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Hotel booking sites actually make it hard to get cheap deals, but there’s a way around it

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/peter-martin-682709">Peter Martin</a>, <a href="https://theconversation.com/institutions/crawford-school-of-public-policy-australian-national-university-3292">Crawford School of Public Policy, Australian National University</a></em></p> <p>Booking a place to stay on holidays has become a reflex action.</p> <p>The first thing many of us do is open a site such as <a href="https://www.wotif.com/">Wotif</a>, <a href="https://au.hotels.com/?locale=en_AU">Hotels.com</a> or <a href="https://www.trivago.com.au/">trivago</a> (all of which are these days owned by the US firm <a href="https://www.accc.gov.au/media-release/accc-will-not-oppose-expedia%E2%80%99s-proposed-acquisition-of-wotif">Expedia</a>), or their only big competitor, <a href="https://www.booking.com/">Booking.com</a> from the Netherlands.</p> <p>Checking what rooms are available – anywhere – is wonderfully easy, as is booking, at what usually seems to be the lowest available price.</p> <p>But Australia’s Assistant Competition Minister Andrew Leigh is concerned there might be a reason the price seems to be the lowest available. It might be an <a href="https://ministers.treasury.gov.au/ministers/andrew-leigh-2022/media-releases/supporting-tourism-and-accommodation-providers-set-their">agreement not to compete</a>, or the fear of reprisals against hotel owners who offer better prices.</p> <h2>Agreements to not compete</h2> <p>Leigh has asked the treasury to investigate, and if that’s what it finds, it may be the booking sites have the perverse effect of keeping prices high, especially when the substantial fees they charge hotels are taken into account.</p> <p>For now, the treasury is seeking information. It has set a deadline of <a href="https://treasury.gov.au/consultation/c2022-338978">January 6</a> for hotel operators and booking sites to tell it:</p> <ul> <li> <p>the typical fees charged by online booking platforms</p> </li> <li> <p>the details of any agreements not to compete on price</p> </li> <li> <p>whether hotels that try to compete get ranked lower on booking sites.</p> </li> </ul> <p>What’s likely to come out of it is a ban on so-called price-parity clauses that prevent discounting, or a ban on “algorithmic punishment,” whereby hotels that do discount get pushed way down the rankings on the sites.</p> <p>But in the meantime, there are things we can do to get better prices, and they’ll help more broadly, as I’ll explain.</p> <h2>Flight Centre precedent</h2> <figure class="align-right zoomable"></figure> <p>Back in 2018, in a case that went all the way to the High Court, the Australian Competition and Consumer Commission (ACCC) forced <a href="https://www.accc.gov.au/media-release/flight-centre-ordered-to-pay-125-million-in-penalties">Flight Centre</a> to pay a penalty of A$12.5 million for attempting to induce airlines not to undercut it on ticket prices.</p> <p>That the ACCC eventually won the case might be an indication price-parity clauses are already illegal under Australian law. But it’s a difficult law to enforce. This is why the treasury is considering special legislation of the kind in force in France, Austria, Italy and Belgium.</p> <p>The ACCC has known for some time that Expedia and Booking.com have included clauses in their contracts preventing hotels offering the same room for any less than they do, even directly.</p> <p>Rather than take the big two to court, in 2016 the ACCC “reached agreement” with them to delete the clauses that prevented hotels offering better deals <a href="https://www.accc.gov.au/media-release/expedia-and-bookingcom-agree-to-reinvigorate-price-competition-by-amending-contracts-with-australian-hotels">face-to-face</a>.</p> <h2>The concession that conceded little</h2> <p>From then on, hotels were able to offer better deals than the sites over the phone or in person, but not on their own websites. Given we are less and less likely to walk in off the street or even use the phone to book a hotel, it wasn’t much of a concession.</p> <p>Then, in 2019, with the Commission under renewed pressure from hotel owners for another investigation, Expedia (but not Booking.com) reportedly <a href="https://www.smartcompany.com.au/business-advice/competition/expedia-allow-hotels-undercut-prices-online/">waived</a> the rest of the clauses, giving hotel owners the apparent freedom to advertise cheaper prices wherever they liked including on their own sites without fear of retribution.</p> <p>Except several appear to fear retribution, and very few seem to have jumped at the opportunity.</p> <h2>Algorithmic punishment</h2> <p>An Expedia spokesman gave an indication of what might be in store when he was quoted as saying a hotel that undercut Expedia might “find itself ranked <a href="https://www.smartcompany.com.au/business-advice/competition/expedia-allow-hotels-undercut-prices-online/">below its competitors</a>, just as it would if it had worse reviews or fewer high-quality pictures of its property”.</p> <p>Being ranked at the bottom of a site is much the same as not being ranked at all, something Leigh refers to as “algorithmic punishment”.</p> <p>It’s not at all clear the present law prevents it, which is why Leigh is open to the idea of legislating against it.</p> <p>Although you and I may not often think about what hotels are paying to be booked through sites such as Wotif and Booking.com, and although what’s charged to the hotel isn’t publicised, it appeard to be a large chunk of the cost of providing the room.</p> <p>One figure quoted is <a href="https://www.smartcompany.com.au/industries/tourism/online-travel-booking-fed-up-small-businesses-call-accc-action/">20%</a>. Leigh says hotel owners have told him the fees are in the “<a href="https://ministers.treasury.gov.au/ministers/andrew-leigh-2022/transcripts/interview-geraldine-doogue-abc-saturday-extra">double digits</a>”, something he says is quite a lot when you consider the sites don’t need to clean the toilets, change the sheets or help on the front desk.</p> <h2>‘Chokepoint capitalism’</h2> <p>What this seems to mean (the treasury will find out) is almost all bookings are more expensive than they need to be because firms that sit at the “<a href="https://theconversation.com/chokepoint-capitalism-why-well-all-lose-unless-we-stop-amazon-spotify-and-other-platforms-squeezing-cash-from-creators-194069">chokepoint</a>” between buyers and sellers are squeezing sellers.</p> <p>A hotel could always abandon the sites and offer much cheaper prices, but for a while – perhaps forever – it will be much harder to find.</p> <p>In their defence, the operators of the platforms might say they need to get the best offers from hotels in order to make it worthwhile for the operators to invest in their sites, an argument the treasury is inviting them to put.</p> <p>In the meantime, with some hotels reluctant to put their best rates on their websites, but with them perfectly able to offer better rates over the phone, there’s a fairly simple way we can all get a better deal – and help fix the broader problem by weight of numbers.</p> <p>If we look up the best deal wherever we want online, and then phone and ask for a better one (or a better room), we might well find we get it. We might be saving the owner a lot of money.</p> <p>Leigh reckons the more we do ring up, the more the sites might feel pressure to discount their own fees, helping bring prices down even before he starts to think about writing legislation.<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/196460/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><a href="https://theconversation.com/profiles/peter-martin-682709"><em>Peter Martin</em></a><em>, Visiting Fellow, <a href="https://theconversation.com/institutions/crawford-school-of-public-policy-australian-national-university-3292">Crawford School of Public Policy, Australian National University</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/hotel-booking-sites-actually-make-it-hard-to-get-cheap-deals-but-theres-a-way-around-it-196460">original article</a>.</em></p> </div>

Travel Trouble

Grandma shares blunt advice for gift-giving season

<p>A grandmother has shared valuable advice for other grandparents who are prone to going over the top for birthday and Christmas presents. </p> <p>DeeDee Moore, who runs the TikTok account @morethangrand, reignited the debate on finding the line between spoiling your grandkids with an abundance of gifts, and not going over the top. </p> <p>With Christmas right around the corner, DeeDee shared some advice for grandparents before they hit the shops.</p> <p>"Too much stuff from grandparents is at the top of the list of topics that parents struggle with," Moore explained in a viral clip.</p> <p>A recent survey from <a href="https://www.morethangrand.com" target="_blank" rel="noopener">More Than Grand</a> found 75 percent of the parents surveyed, wished grandparents respected their wishes about gifts, for a few reasons, but the most common was the sheer volume of stuff.</p> <p>"Parents often don't have the physical space to accommodate the toys indulgent grandparents buy," she continued.</p> <p>However, the issue is that one grandparent probably isn't the only one going all out on gifts. </p> <p>"Say your grandson has four other grandparents and four aunts and uncles. Each of these people get him one gift for a second birthday. That's already nine gifts plus something for mum and dad. We're up to 10," she explained. </p> <p>"But if all of those grandparents buy him three things, and two of the aunts get him a little extra something, that's 22 presents for a two-year-old who would be just as happy with a box." </p> <p>Moore also pointed out while many kids are fortunate enough to be spoilt at Christmas, there are many children who are living in hardship and don't have the same luxuries. </p> <p>Her advice is to take some of the things you would have given to your grandchildren and donate them to a charity or organisation who works with less fortunate families.</p> <p>Dozens of mothers chimed in the comment section of the video, praising DeeDee's advice and sharing their own stress about presents. </p> <p>"I used to have so much anxiety about Christmas because my in-laws used to buy more than Santa, us and my parents combined. It was stressful," commented one mum. </p> <p><em>Image credits: Shutterstock</em></p>

Family & Pets

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

<div class="theconversation-article-body"> <p><em><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></em></p> <p>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.</p> <p>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).</p> <p>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.</p> <h2>1. Resale value</h2> <p>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.</p> <p>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>.</p> <p>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>.</p> <p>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.</p> <h2>2. Quality and style</h2> <p>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.</p> <p>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.</p> <p>Consideration of fabrics, styling and design aesthetic are all key in ensuring your fashion investment has longevity.</p> <h2>3. Brand authenticity</h2> <p><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.</p> <p>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.</p> <p>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.</p> <h2>4. Product endorsement</h2> <p>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.</p> <p>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.</p> <p>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.</p> <p>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>.</p> <p>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.</p> <p>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.</p> <p><em><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></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/four-ways-to-tell-the-designer-fashion-items-worth-investing-in-from-the-ones-that-arent-215831">original article</a>.</em></p> </div>

Beauty & Style

"We're giving them weapons": Charlotte O'Brien's parents call for social media ban

<p>The parents of a young girl who took her own life after being bullied have joined a campaign to raise the age limit for social media.</p> <p>Charlotte O'Brien was a student at Santa Sabina College in Sydney’s inner west, where she dealt with relentless bullying which led to the 12-year-old's tragic death. </p> <p>Now, her parents Mat Howard and Kelly O’Brien appeared on <em>60 Minutes </em>to ask “how many more Charlottes do we need to lose” before action was taken to protect kids from harm online. </p> <p>When asked if she believed Charlotte would still be alive if social media was off limits to young children, Ms O’Brien replied: “Absolutely”.</p> <p>“My personal opinion. Giving our kids these phones, we’re giving them weapons, we’re giving them the world at their fingertips,” the grieving mother said.</p> <p>In the days after the young girl's death, it was revealed her parents had pleaded with her school to address “friendship issues” Charlotte was facing.</p> <p>Mr Howard told <em>60 Minutes</em> that despite her “ongoing struggles” the last two weeks of Charlotte’s life were “the best two weeks that I can remember with her”, adding, "We thought we were really turning the corner.”</p> <p>“You know she’d come home from school that day and she’d had a great day. Kelly had made her favourite dinner that night. And that night she skipped off to bed, literally skipped. And we never saw her again.”</p> <p>Her family revealed a “completely distressed” Charlotte spoke to a friend on her phone the night she died, and shared messages she had been sent online.</p> <p>“So we can’t say exactly what we’ve been told, but what I will tell you is what we’ve been told is some of the worst words that anybody should have to read, let alone a 12-year-old girl,” Mr Howard said.</p> <p>Recalling the heart-wrenching moment they found their daughter's body, Ms O'Brien said she pleaded for answers from police on how she would've taken her own life. </p> <p>“I just kept saying to the police that morning, ‘Where did she get the knowledge and the means? Where did she get the knowledge and the means?’,” she said. </p> <p>“I couldn’t wrap my head around it, and he (the police officer) just said to me, ‘This is the age of information. She just needed to Google it’. And for me, I’m so devastated by that because I gave her that phone.”</p> <p>Charlotte’s parents have travelled to Canberra to meet with Prime Minister Anthony Albanese, ahead of legislation to raise the age of using social media from 13 to 16.</p> <p>“I intend to say, ‘Please, Mr. Albanese, raise the age of social media to 16, because 36</p> <p>months could change a lifetime’. That’s what I’m going to say,” Ms O’Brien said.</p> <p>Mr Howard said, “Charlotte was not the first and she’s already not the last. And this will continue to happen unless we make the right decisions.”</p> <p>The controversial bill to raise the age on social media platforms is set to go before Australia’s federal parliament this week, with support from both major parties.</p> <p><em><strong>Need to talk to someone? Don't go it alone. </strong></em></p> <p><em><strong>Call Lifeline on 13 11 14 or visit lifeline.org.au</strong></em></p> <p><em><strong>Beyond Blue: 1300 224 636</strong></em></p> <p><em><strong>SANE: 1800 187 263; saneforums.org</strong></em></p> <p><em>Image credits: 2GB / Kids Helpline</em></p>

Caring

Readers response: What advice would you give someone visiting Australia?

<p>We asked our readers what advice they would give to someone travelling to Australia, including where tourists need to see and what hidden gems cannot be missed. Here's what they said. </p> <p><strong>Peggy Rice</strong> - Respect our rules, the outback needs to be researched, swim between flags, don't swim with crocodiles. It's the best country in the world, let's keep it that way. Also do yourself a favour and put Tasmania on your list of beauty.</p> <p><strong>Kay L Bayly</strong> - Number 1 advice! Check distances between desired destinations. It is a much bigger country than most people understand.</p> <p><strong>Michael Pender</strong> - Bring a sense of humour.</p> <p><strong>Toni Stewart</strong> - You will need a year at least to see all the different areas from desert, scrub, rainforest, cities, beaches, country side fabulous little towns and lots of festivals.</p> <p><strong>Maureen Prince</strong> - We don’t have Kangaroos running the streets. Koalas are not in everybody's back yard trees. Whilst we do have snakes you’d be very unfortunate if you were to come across a venomous one. We don’t all go around saying “Good day mate”. Our scenery is incredible. Our food is superb and, best of all, we have good friends who do say “Good day mate”.</p> <p><strong>Tina Shaw</strong> - Leave preconceptions at customs. See who we are and you'll have a fantastic time.</p> <p><strong>Dianne Savage</strong> - Put Tasmania on your must do list.</p> <p><strong>Margaret Higgs</strong> - Use sunscreen, wear a hat, drink lots of fluids.</p> <p><strong>Cheryl Anne</strong> - Don't assume you can cover the whole country in 6 weeks.</p> <p><strong>Sarah Hayse-Gregson</strong> - Obey the beach culture. The flags, lifesavers are there for a reason. If a sign says, “beach closed” there’s no one to assist you if you get into difficulty. Our lifesavers are volunteers, don’t forget that. They give up their free time to monitor the beaches and are highly trained. Never turn your back to the sea.</p> <p><strong>Ann Lusby</strong> - Watch out for drop bears.</p> <p><em>Image credits: Shutterstock </em></p>

Domestic Travel

Give the gift of festive KINDness this Christmas

<p dir="ltr">A little kindness goes a long way, and with the festive season right around the corner, you can share the love, kindness and beauty to treat the makeup-obsessed people in your life. </p> <p dir="ltr">The KIND Collective’s Christmas collection has something for everyone, with gifts to accommodate every budget, so you don’t need to break the bank to share small indulgences with your loved ones.</p> <p dir="ltr">Lynda Chapman, The KIND Collective founder, said of the festive launch, “The holiday season can be a stressful time regardless of economic health. We have been listening to the concerns of our community and focusing on how we can offer a beautiful gifting collection that is of high quality, cruelty free and vegan at an accessible price point.”</p> <p dir="ltr">“In 2024, we have doubled the range while maintaining the budget friendly prices. Choosing gifts for our loved ones should be about kindness, finding something they’ll love and cherish, while also being kind to ourselves by relieving the pressure to find items that are both high quality and affordable.”</p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-permalink="https://www.instagram.com/reel/DB2obVqRBm7/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/reel/DB2obVqRBm7/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by The KIND Collective (@thekindcollectiveaustralia)</a></p> </div> </blockquote> <p dir="ltr">The range features stocking stuffers for under just $10, with lip gloss trios for $9 and What a Cracker trios available for $10, making the perfect addition to any gift. </p> <p dir="ltr">Other gift sets feature mascaras, blushes, lip glosses and nail polishes for under $20 each, and palettes and brush sets available for under $30. </p> <p dir="ltr">For those looking to really splash out on their loved ones, the One of a KIND Beauty Bag features a bit of everything to complete an entire makeup look, and a selection of accessories, for just $39. </p> <p dir="ltr">So when you’re doing your Christmas shopping, make sure to pick up some of the gorgeous gifts from KIND to share love, beauty and kindness with the special people in your life this festive season.</p> <p dir="ltr">The KIND Collective Christmas gifting range is available at <a href="https://www.bigw.com.au/brands/kind-collective?srsltid=AfmBOoqKPWXD5U_UluIDPOJCclKIDIB2TNhw70GUo86ksiAMXxm__uMo">Big W</a>, <a href="https://www.priceline.com.au/brand/kind-collective?srsltid=AfmBOooEDo0ZjQ_c8GWSTyltAsil8WjocCew2h9uafSdBPlriVDp57vP">Priceline</a> and KIND’s official <a href="https://www.thekindcollectiveaustralia.com/">website</a>.</p> <p dir="ltr"><em>Image credits: Instagram / Shutterstock </em></p>

Beauty & Style

Michael Schumacher’s son gives rare interview about his father

<p>Michael Schumacher's son has shared a rare insight into his life after his dad's devastating skiing accident. </p> <p>Mick Schumacher, who was only 14 at the time of his dad’s accident, pursued his dream of reaching F1 without his father's guidance, and has spoken about how much his dad father continued to inspire him. </p> <p>In the new book <em>Inside Mercedes F1</em> written by Matt Whyman, the author had unrestricted access to the team, with the book including a conversation with Mick about his father’s influence.</p> <p>The 25-year-old, who became a reserve driver for Mercedes in 2023, told Whyman, “I was a crazy kid — everything my dad did, I did."</p> <p>“He was really supportive and a lot of fun, but could also be challenging. One time in a karting race I braked very late going into a corner and gained a lot of time."</p> <p>“When I told him about it, he said, ‘Yes, but you should have braked like that in every corner!’."</p> <p>“Whenever he felt like I was not taking it seriously, he would say, ‘Mick, would you rather go and play football with your friends? If so, we do not need to do all of this’."</p> <p>“I insisted that I wanted to race and he said, ‘Okay, then let’s do it properly’. So we started doing more European karting and I was getting better.”</p> <p>Mick later explained that he learned “a lot of technical points” from his dad that he “still uses today”, adding, “I started racing in the Formula classes the year after the accident and from that point onwards, I had to find my own feet."</p> <p>“I started karting aged three. I was six when I first went scuba diving. Aged 10 I was skydiving."</p> <p>“My dad was always very open to me trying out whatever I wanted to do and racing is all I wanted to do, because I enjoyed it the most.”</p> <p><em>Image credits: Eric Alonso/DPPI/Shutterstock Editorial </em></p>

Family & Pets

Borrowing money isn’t always a bad thing – debt can be a sensible way to build wealth

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/bomikazi-zeka-680577">Bomikazi Zeka</a>, <a href="https://theconversation.com/institutions/university-of-canberra-865">University of Canberra</a></em></p> <p>Debt, in some form or another, is part of our financial profiles whether we like it or not. And it can be a useful way to build wealth if it is managed carefully and wisely.</p> <p>For example, you may borrow money from the bank to buy an asset – a resource of economic value that generates income from its productive use. Investment property is an example.</p> <p>So investing in an income-producing property can be a good idea.</p> <p>If you are already in the property market, the home equity you’ve accumulated – the share of the property value that’s yours – can help you buy a second property. This time, you may not need a deposit as big as the initial investment.</p> <p>In the event that the rental market is booming and your tenants pay you more than what you repay on the loan, municipal rates and property manager fees, then the wealth-building machine will start to run itself.</p> <p>But debt makes many people uncomfortable.</p> <p>In South Africa, a person earning R20,000 a month commits on average <a href="https://businesstech.co.za/news/finance/585372/south-africas-middle-class-is-in-serious-trouble-right-now/">63% of their salary to repaying unsecured debt</a> – such as credit cards, personal loans, overdrafts or “buy now, pay later” facilities. As a general guideline, it’s suggested that <a href="https://www.investopedia.com/terms/d/dti.asp">no more than 40%</a> of your income should be used to service debt.</p> <p>Financial anxiety has its roots in some misconceptions. The main one is that all debt is bad. This isn’t true. Prudent borrowing to buy an asset can help build wealth in the medium to long term. So fears about debt need to be weighed against a broader understanding of wealth accumulation. Well-managed debt can play a role in that process.</p> <p>Here are the four biggest misconceptions about debt. Recognising them will help you develop a more nuanced approach to debt.</p> <h2>The misconceptions</h2> <p><strong>All debt is bad debt.</strong></p> <p>Indeed, debt is a problem when you can no longer manage it and it starts to manage you. One of the simplest ways to tell whether debt is working for you or against you is through “leveraging”. This refers to the use of debt to acquire an asset that is worth more than the value of the debt. It’s also known as positive or favourable leveraging.</p> <p>People who take out unsecured loans are leveraging unfavourably when the debt is driven by consumption. Often there’s nothing to show for what you’ve spent. Unsecured loans also tend to charge higher interest rates to compensate for the lack of collateral.</p> <p><strong>Only financially reckless people are in debt.</strong></p> <p>This is the next misconception. Second to unsecured loans, most South African consumer debt portfolios are taken up by <a href="https://businesstech.co.za/news/wealth/617685/these-income-levels-in-south-africa-owe-the-most-debt/">home loans</a>. The most realistic way to gain entry into the housing market is through a mortgage. You’re doing the right thing if your mortgage is paid off within a reasonable time. This will mean that, in the long term, the value of the property will surpass the home loan amount that was taken out to buy the property in the first place.</p> <p>But there are two misconceptions related specifically to mortgages.</p> <p><strong>After you’ve paid the mortgage deposit, you won’t have other fees to pay.</strong></p> <p>This isn’t correct. Banks charge a fee to open and close a home loan account. There can also be a penalty when a home loan is repaid prematurely. So be sure to read the fine print about discharge fees or closing costs.</p> <p><strong>If you stick to the repayment amount for your mortgage, you’ll be able to repay the loan quickly.</strong></p> <p>This isn’t true – even if interest rates fall and your mortgage repayments decline, your home loan is most likely tied to a loan term of 20 to 30 years. Many banks will quote a monthly mortgage repayment amount that seems affordable at face value but is in fact based on a 20-year term period.</p> <p>Banks are businesses and it works in their favour if you take longer to repay your mortgage because that translates into more interest repayments. The longer the duration of the home loan, the more interest you pay, the more profit they make.</p> <p>If it takes over 20 years to repay a bond, it’s often the case that the value of the interest repayments exceeds the initial loan amount.</p> <p>Home loan calculators are a useful tool that can help you assess how much you could afford to repay on a home loan depending on the deposit saved, if interest rates change and how long it will take you to repay the mortgage with topped-up contributions.</p> <p>It is essential to have a goal for when you’d like to finish paying off your mortgage and a plan in place to achieve this goal. If you don’t do this you could become a mortgage prisoner.</p> <h2>Keeping your eye on the prize</h2> <p>As we’re about to conclude the year and enter the festive season, it’s a good time to remember your financial goals and not let your guard down by unconsciously swiping or tapping that credit card.</p> <p>“Janu-worry” is around the corner, and so is the financial anxiety that comes with it. But it need not be the case. Debt can either be the cure or the cause of your financial position. Reconsider spending patterns that prompt you to use your credit card. Too much debt over short periods is an irregular spending pattern that is a warning sign.</p> <p>There’s no harm in buying what you can afford or staying in your financial lane if the alternative forces you to sacrifice your hard-earned income on servicing consumption-driven debt.</p> <p>For better or worse, debt is a part of our financial portfolios. But the road to financial empowerment is not always easy – financial planning can help you keep your eye on the prize.<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/192630/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><a href="https://theconversation.com/profiles/bomikazi-zeka-680577"><em>Bomikazi Zeka</em></a><em>, Assistant Professor in Finance and Financial Planning, <a href="https://theconversation.com/institutions/university-of-canberra-865">University of Canberra</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/borrowing-money-isnt-always-a-bad-thing-debt-can-be-a-sensible-way-to-build-wealth-192630">original article</a>.</em></p> </div>

Money & Banking

Give the gift of festive nails any manicure lover will adore

<p dir="ltr">With Christmas right around the corner, many are thinking about the perfect present to give their loved ones. </p> <p dir="ltr">Luckily, for the manicure obsessed friends and family in your life, OPI have released a star-studded range of Christmas gifts for every budget.</p> <p dir="ltr">For those who are extra excited about the countdown to December 25th, and those looking forward to the highly-anticipated film Wicked, you can now get the best of both worlds with the OPI x Wicked advent calendar. </p> <p dir="ltr">Filled with 12 mini nail polishes, countdown this holiday season with a selection of iconic colours at just $74.95, available at <a href="https://www.myer.com.au/b/OPI">Myer</a>, <a href="https://www.davidjones.com/brand/opi">David Jones</a>, <a href="https://www.adorebeauty.com.au/p/opi/opi-x-wicked-nail-lacquer-12pc-mini-advent-calendar-12x375ml.html?istCompanyId=6e5a22db-9648-4be9-b321-72cfbea93443&istFeedId=686e45b5-4634-450f-baaf-c93acecca972&istItemId=qtpatixtt&istBid=t&gad_source=1&gclid=EAIaIQobChMIjJ2-td2eiQMVSA57Bx3FQwV9EAQYASABEgK3mvD_BwE">Adore Beauty</a>, <a href="https://www.lookfantastic.com.au/">Look Fantastic</a>, Amazon, and <a href="https://www.theiconic.com.au/opi/">The Iconic</a>.</p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-permalink="https://www.instagram.com/p/DAZCiuFSNd7/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/p/DAZCiuFSNd7/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by OPI (@opi)</a></p> </div> </blockquote> <p dir="ltr">Nine limited-edition shades in single bottles will also be available at retailers for just $24.95, with something available to suit everyone’s colour needs. </p> <p dir="ltr">For those who aren’t colour inclined, the OPI <a href="https://www.lookfantastic.com.au/opi-treatment-dream-rou-team-gift-set-nail-envy-nail-strengthener-repair-mode-and-nail-and-cuticle-oil-to-go/15608278.html?srsltid=AfmBOoqKhJWip-U5lLYbk2yl1wRIPqQ5PawmJVzo2LX-j4-YPrf0DqD-">Treatment Dream Gift Set</a> will help strengthen and moisturise your mani with the brand’s best-selling treatments at just $74.95.</p> <p dir="ltr">Other OPI gift sets include the <a href="https://www.adorebeauty.com.au/p/opi/opi-infinite-shine-quad-gift-set-4x15ml.html?istCompanyId=6e5a22db-9648-4be9-b321-72cfbea93443&istFeedId=686e45b5-4634-450f-baaf-c93acecca972&istItemId=qtwrppxqp&istBid=t&gad_source=1&gclid=EAIaIQobChMI-4H0xNueiQMVlzd7Bx2A4jW3EAQYASABEgK5BfD_BwE">OPI Infinite Shine Quad Gift S</a>et to discover the new Infinite Shine that locks on for up to 11 days of glossy long-wear, the <a href="https://www.adorebeauty.com.au/p/opi/opi-nature-strong-bon-bon-15ml.html?istCompanyId=6e5a22db-9648-4be9-b321-72cfbea93443&istFeedId=686e45b5-4634-450f-baaf-c93acecca972&istItemId=qtwrppxqm&istBid=t&gad_source=1&gclid=EAIaIQobChMIqqWi2dueiQMVt1oPAh07rxd6EAQYASABEgKJlfD_BwE">OPI Nature Strong Bon Bon</a>, and the OPI x Wicked Infinite Shine <a href="https://www.adorebeauty.com.au/p/opi/opi-x-wicked-infinite-shine-duo-gift-set-2x15ml.html">Duo</a> and <a href="https://www.adorebeauty.com.au/p/opi/opi-x-wicked-infinite-shine-trio-gift-set-3x15ml.html">Trio</a> Gift Sets to give a collection of colours at an affordable price. </p> <p dir="ltr">With a range of colours and nail care treatments available, the OPI Christmas collection has something for everyone to keep your nails sparkling all festive season long.</p> <p dir="ltr"><em>Image credits: Shutterstock </em></p></p>

Beauty & Style

"Give him a break": Karl Stefanovic weighs in on Lidia Thorpe outburst

<p>Karl Stefanovic has jumped to King Charles' defence after Lidia Thorpe's outburst Parliament House. </p> <p>The Today Host was joined by two political commentators to share their thoughts on the situation, reflecting on Thorpe's <a href="https://oversixty.com.au/finance/legal/you-are-not-my-king-lidia-thorpe-interrupts-charles-parliament-house-visit" target="_blank" rel="noopener">tirade</a> during a welcome ceremony for King Charles. </p> <p>The monarch had just finished his speech and was returning to his seat after shaking hands with Prime Minister Anthony Albanese when Thorpe started yelling from the back of the room. </p> <p>“You committed genocide against our people. Give us our land back. Give us what you stole from us, our bones, our skulls, our babies, our people, you destroyed our land,” Thorpe said during her outburst on Monday.</p> <p>“We want a treaty in this country. This is not your land. You are not my King, you are not our King. F*** the colony.”</p> <p>On Tuesday morning, Stefanovic jumped to the King's defence, saying "you don't have to like the King, but give him a break" after what he's been through the past few years.</p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-permalink="https://www.instagram.com/reel/DBaFUelBdwU/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/reel/DBaFUelBdwU/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by thetodayshow (@thetodayshow)</a></p> </div> </blockquote> <p>"I just wanted to give my take on what happened yesterday and the whole thing," the Today host began.</p> <p>"The dude has been going through a lot, for obvious reasons his youngest son's cheese has slightly fallen off its cracker, that son is feuding with the good son and as a parent that must ache his soul."</p> <p>"The good son's beautiful wife got diagnosed with cancer at the same time as pops, so imagine the psychology and physicality of that joint battle, he hasn't finished treatment yet, but he flies all the way to Australia and starts pressing the flesh straight away because for some bizarre reason, he genuinely loves this country and us and in comes Lidia giving a welcome to country 'Thorpe style' in sacred possum gear, shouting obscenities at him."</p> <p>"And all the while, the King and Queen just keep smiling - you don't have to like the Royal family and what it stands for, but by goodness, this King is a dude."</p> <p><em>Image credits: Today/LUKAS COCH/EPA-EFE/Shutterstock Editorial </em></p>

5 ways to reduce everyday bills

<p>It’s not uncommon to get to the end of the month and be surprised by a figure in your bills. But this surprise needn’t be unpleasant. There is wide a range of simple measures you can employ to reduce your monthly bills without too much effort. Follow these five simple tips and save money.</p> <p><strong>1. Food and groceries</strong></p> <p>Food can be a problem area in the average Australian’s budget, either because we’re physically eating too much, eating out too much or spending too much money on groceries. But that doesn’t mean you have to transition to a Spartan diet. Here’s how you can save on your grocery bill:</p> <ul> <li>Reduce the amount of times you’re eating out or getting takeout a week</li> <li>Use a shopping list and coupons, pay for groceries (this means you’re less likely to splurge on items that you don’t need) and buy more non-perishable foods to store and save</li> <li>Consider starting a garden and grow your own fruit and veggies</li> </ul> <p><strong>2. Energy</strong></p> <p>Many people have found their energy bills have been increasingly steady over the past through years, but this doesn’t mean you have to be part of that trend. With a little bit of ingenuity and not a lot of fuss you can make your house energy efficient and enjoy huge power bill savings:</p> <ul> <li>Switch to energy-efficient light bulbs. In many cases these bulbs do cost more than traditional bulbs, but they use much less energy and can last up to 10 times longer</li> <li>Unplug unused electrical devices that are draining electricity</li> <li>Make sure you home is airtight to prevent cold drafts in winter and the loss of cool air in summer. This will also reduce your heating/cooling bills accordingly</li> </ul> <p><strong>3. Cars</strong></p> <p>As fuel, registration and maintenance costs start to pile up, a car can seem less like a convenience and more like a money pit rolling around on four wheels. That being said, there is a range of ways you can enjoy the access vehicle ownerships provides, without having to pay through your nose:</p> <ul> <li>Underinflated tyres reduces the value of your cars fuel economy significantly, so make sure you take a couple of minutes to check the air pressure and reinflate once a month</li> <li>Consider selling a vehicle if you’re not using it often. Without taking the cost of parking and toll roads into account driving vehicles costs thousands of dollars a year</li> <li>Use more public transport and consider setting up car pools with friends/colleagues</li> </ul> <p><strong>4. Grooming and beauty </strong></p> <p>Looking and feeling great is important, but it doesn’t necessarily have to be a hugely expensive ordeal. With a little bit of ingenuity, creativity and willingness to not spend $10,000 on that jewel encrusted headdress you can still be the belle/male-belle of the ball without breaking the bank:</p> <ul> <li>Reduce the amount of money you spend on clothing by keeping your eye on sales</li> <li>Consider lower cost alternatives to your favourite beauty products</li> <li>Cut back on the amount of times you have your hair cut and styled</li> </ul> <p><strong>5. Additional entertainment expenses</strong></p> <p>Your deluxe gym membership might give you access to the power lifting body attack class, but are you really getting the full value for it and the other regular entertainment expenses you’ve signed up for? There are still ways to stay entertained without having to break the bank every week.</p> <ul> <li>Consider cancelling club memberships for places you don’t visit often</li> <li>Investigate free events and inexpensive entertainment ideas like cheap movies Tuesdays</li> <li>Magazine and newspaper subscriptions can also become expensive if you’re not actually reading the papers, as well as pay television services that can be easily eliminated</li> </ul> <p><em>Image credits: Shutterstock</em></p>

Money & Banking

Snakes are waking up. What should you do if you’re bitten? And what if you’re a long way from help?

<div class="theconversation-article-body"> <p><em><a href="https://theconversation.com/profiles/hamish-bradley-2217649">Hamish Bradley</a>, <a href="https://theconversation.com/institutions/the-university-of-western-australia-1067">The University of Western Australia</a>; <a href="https://theconversation.com/profiles/alice-richardson-252002">Alice Richardson</a>, <a href="https://theconversation.com/institutions/australian-national-university-877">Australian National University</a>, and <a href="https://theconversation.com/profiles/breeanna-spring-1545193">Breeanna Spring</a>, <a href="https://theconversation.com/institutions/charles-darwin-university-1066">Charles Darwin University</a></em></p> <p>From the creeks that wind through inner city Melbourne to the far outback in Western Australia, snake season is beginning.</p> <p>Over the cooler months snakes have been in state of <a href="https://youtu.be/FjXOzNjZjoU?si=Mc0eeayVk4VU9906">brumation</a>. This is very similar to hibernation and characterised by sluggishness and inactivity. As warmer conditions return both snakes and humans become more active in the outdoors, leading to an increased likelihood of interaction. This may happen when people are hiking, dog-walking or gardening.</p> <p>The risk of being bitten by a snake is exceptionally small, but knowing basic first aid could potentially save your, or another person’s, life.</p> <h2>When a snake bites</h2> <p>Snake bite envenomation (when venom enters the blood stream) is a significant issue in Australia, with <a href="https://onlinelibrary.wiley.com/doi/full/10.5694/mja17.00094">3,000 cases annually and an average of two deaths</a>.</p> <p>Snake bite should always be <a href="https://stjohnwa.com.au/online-resources/first-aid-information-and-resources/snake-bite">treated</a> as a life-threatening emergency, and if you are bitten in rural or remote Australia, you will often receive an air medical emergency pick up to a regional or metropolitan hospital for advanced care.</p> <p>The effects of snake bites vary, depending on the species of snake and first aid measures undertaken.</p> <p>Australian <a href="https://www.healthdirect.gov.au/snake-bites">standard first aid guidelines</a> include:</p> <ul> <li>calling for help (dialing 000 or activating an emergency beacon)</li> <li>applying a pressure immobilisation bandage</li> <li>resting.</li> </ul> <h2>Why pressure is important</h2> <p>Snake venom is carried within the <a href="https://theconversation.com/what-are-lymph-nodes-and-can-a-massage-really-improve-lymphatic-drainage-209334">lymphatic system</a>. This is a collection of tiny tubes throughout the body that return fluid outside of blood vessels back to the blood stream.</p> <p>Muscles act as a “<a href="https://theconversation.com/pneumatic-compression-therapy-can-it-really-help-olympians-or-you-recover-after-exercise-236228">pump</a>” to help the fluid move through this system. That’s why being still, or immobilisation, is vital to slow the spread of venom.</p> <p>A firm pressure immobilisation bandage, applied as tight as you would for a sprained ankle, will compress these tubes and help limit the venom’s spread.</p> <p>Ideally bandage the entire limb on which the bite occurred and apply a splint to help further with immobilisation. It is very important that the blood supply to the limb is not limited by this bandage.</p> <p>Never attempt to capture or kill the snake for identification. This risks further bites and is not required for specialist care. The decision about when to give antivenom (if any) is based on the geographical location, symptoms, the results of blood tests and discussion with a toxicologist.</p> <h2>The tyranny of distance</h2> <p>People living in rural and remote locations may also have limited access to health care, including access to ambulance services, <a href="https://www.tandfonline.com/doi/full/10.1080/10871209.2020.1769778">snake bite first aid</a> such as bandages and splints, and to antivenom.</p> <p>Availability and the prompt use of antivenom have been identified as <a href="https://www.sciencedirect.com/science/article/pii/S2590171022000558">crucial factors in the effective treatment</a> of snake envenomation – but not studied in detail.</p> <p>Over one year (as a component of a larger three-year study) we collected information on the pre-hospital care and in-flight care with the Royal Flying Doctors Service Western Operations.</p> <p>During this time, 85 people from regional, rural, remote and very remote Western Australia were flown by Royal Flying Doctor Service to hospital for suspected or confirmed snake bites. Reassuringly, only five of these patients (6%) ultimately received a toxicologist’s diagnosis of envenomation.</p> <h2>To move or not to move?</h2> <p>Troublingly, 38 (45%) of the 85 snake bite victims continued to move around and be active following their suspected snake bite. This raises questions about whether people lack knowledge of first-aid guidelines, or whether this is a consequence of being isolated, with limited access to health care.</p> <p>Either way, our as-yet-unpublished research highlights the vulnerability of Australia’s rural and remote people. All patients eventually received a pressure immobilisation bandage, with an average time from bite to application of 38 minutes. Three quarters of the patients made their way to health-care site by foot, or private car, arriving on average 65 minutes after the bite.</p> <h2>What needs to change?</h2> <p>Our results indicate rural and remote Australians need innovative health-care solutions beyond the metropolitan guidelines, particularly when outside ambulance service areas.</p> <p>Basic snake bite first aid education needs to be not only reiterated but also a pragmatic approach is required in these geographically isolated locations. This would involve being vigilant, staying safe and, when isolated, always carrying emergency technology to call for help.</p> <hr /> <p><em>The authors wish to acknowledge the efforts required through this research project as it continues, including by Fergus Gardiner, Kieran Hennelly, Rochelle Menzies, James Anderson, Alex McMillan and John Fisher. Hamish Bradley is an Aeromedical Retrieval Specialist and Principal Investigator in this project.</em><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/234365/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em><a href="https://theconversation.com/profiles/hamish-bradley-2217649">Hamish Bradley</a>, Adjunct Lecturer, Anaesthetist and Aeromedical Retrieval Specialist, <a href="https://theconversation.com/institutions/the-university-of-western-australia-1067">The University of Western Australia</a>; <a href="https://theconversation.com/profiles/alice-richardson-252002">Alice Richardson</a>, Associate professor and lead of Statistical Support Network, <a href="https://theconversation.com/institutions/australian-national-university-877">Australian National University</a>, and <a href="https://theconversation.com/profiles/breeanna-spring-1545193">Breeanna Spring</a>, PhD student, Molly Wardaguga Institute for First Nations Birth Rights, Faculty of Health, <a href="https://theconversation.com/institutions/charles-darwin-university-1066">Charles Darwin University</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/snakes-are-waking-up-what-should-you-do-if-youre-bitten-and-what-if-youre-a-long-way-from-help-234365">original article</a>.</em></p> </div>

Body

We tend to underestimate our future expenses – here’s one way to prevent that

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/ray-charles-chuck-howard-1361224">Ray Charles "Chuck" Howard</a>, <a href="https://theconversation.com/institutions/texas-aandm-university-1672">Texas A&M University</a>; <a href="https://theconversation.com/profiles/abigail-sussman-227057">Abigail Sussman</a>, <a href="https://theconversation.com/institutions/university-of-chicago-952">University of Chicago</a>; <a href="https://theconversation.com/profiles/david-j-hardisty-753777">David J. Hardisty</a>, <a href="https://theconversation.com/institutions/university-of-british-columbia-946">University of British Columbia</a>, and <a href="https://theconversation.com/profiles/marcel-lukas-1236384">Marcel Lukas</a>, <a href="https://theconversation.com/institutions/university-of-st-andrews-1280">University of St Andrews</a></em></p> <h2>The big idea</h2> <p>When asked to estimate how much money they would spend in the future, people underpredicted the total amount by more than C$400 per month. However, when prompted to think about unexpected spending in addition to typical expenses, people made much more accurate predictions.</p> <p>These are the main findings of a series of <a href="https://doi.org/10.1177%2F00222437211068025">studies and experiments that we conducted</a> and which have just been published in the <a href="https://journals.sagepub.com/home/mrj">Journal of Marketing Research</a>.</p> <p>In our first study, we began by asking 187 members of a Canadian credit union to predict their weekly spending for the next five weeks. Then, at the end of each week, we asked them how much they actually spent.</p> <p>For the first four weeks, people underpredicted their weekly spending by about $100 per week or $400 for the month.</p> <p>In the study’s fifth and final week, we ran an experiment to see if we could improve people’s prediction accuracy.</p> <p>Specifically, we randomly assigned participants to one of two groups. In group one, participants estimated their spending for the next week just as they had done in previous weeks. These folks once again significantly underpredicted their spending.</p> <p>In group two, participants were asked to think of three reasons why their spending for the next week might be different than usual before making their estimate. This led them to make higher and much more accurate predictions – coming within just $7 of what they actually spent.</p> <p>Importantly, participants in each group spent roughly the same amount of money that week, on average. The only difference between the two groups was whether they accurately predicted that amount.</p> <p><iframe id="WlDv3" class="tc-infographic-datawrapper" style="border: 0;" src="https://datawrapper.dwcdn.net/WlDv3/3/" width="100%" height="400px" frameborder="0" scrolling="no"></iframe></p> <p>Next, we conducted nine experiments to better understand why people underpredict their spending and whether being prompted to think of unusual expenses helps improve accuracy. In all, over 5,800 people participated in these experiments, including a representative sample of U.S. residents.</p> <p>These experiments revealed two important insights.</p> <p>First, people primarily base their spending predictions on typical expenses like groceries, gasoline and rent. They usually fail to account for irregular – though still common – expenses like car repairs, last-minute concert tickets or one-off health care bills. This is what leads to underprediction.</p> <p>Second, prompting people to think of irregular expenses in addition to typical expenses helps them to make more accurate spending predictions. In our studies, people did not factor in atypical expenses unless we asked them to do so.</p> <h2>Why it matters</h2> <p>Helping people improve the accuracy of their spending predictions could help them improve their financial well-being.</p> <p>Underpredicting expenses can be costly. For example, 12 million Americans <a href="https://www.pewtrusts.org/en/research-and-analysis/reports/2012/07/19/who-borrows-where-they-borrow-and-why">borrow a total of more than $7 billion</a> in payday loans each year because they can’t meet their monthly expenses. These loans typically have extremely high interest rates – <a href="https://www.pewtrusts.org/en/research-and-analysis/data-visualizations/2022/how-well-does-your-state-protect-payday-loan-borrowers">more than 250% in some states</a>.</p> <p>Payday loans also come due in full so quickly that around three in four borrowers <a href="https://www.pewtrusts.org/en/research-and-analysis/reports/2012/07/19/who-borrows-where-they-borrow-and-why">end up borrowing again</a> to pay off the original loan.</p> <p>If consumers could better anticipate how much money they will spend in the future, it might help motivate them to spend less and save more in the present.</p> <p>In fact, one of our studies shows that our suggested prediction strategy <a href="https://doi.org/10.1177/0022243721106802">not only boosted spending estimates</a>, it also increased intentions to save.</p> <h2>What’s next</h2> <p>Members of our research team are currently investigating if, when and why underpredicting one’s expenses may be beneficial. For example, if a person sets an optimistically low budget and actively tracks their spending against it, does that help them reduce their spending?</p> <p>We are also investigating whether people who work in the gig economy show a corresponding tendency to mispredict their future income.<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/189100/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em><a href="https://theconversation.com/profiles/ray-charles-chuck-howard-1361224">Ray Charles "Chuck" Howard</a>, Assistant Professor of Marketing, <a href="https://theconversation.com/institutions/texas-aandm-university-1672">Texas A&M University</a>; <a href="https://theconversation.com/profiles/abigail-sussman-227057">Abigail Sussman</a>, Professor of Marketing, <a href="https://theconversation.com/institutions/university-of-chicago-952">University of Chicago</a>; <a href="https://theconversation.com/profiles/david-j-hardisty-753777">David J. Hardisty</a>, Assistant Professor of Marketing & Behavioral Science, <a href="https://theconversation.com/institutions/university-of-british-columbia-946">University of British Columbia</a>, and <a href="https://theconversation.com/profiles/marcel-lukas-1236384">Marcel Lukas</a>, Lecturer in Banking and Finance, <a href="https://theconversation.com/institutions/university-of-st-andrews-1280">University of St Andrews</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/we-tend-to-underestimate-our-future-expenses-heres-one-way-to-prevent-that-189100">original article</a>.</em></p> </div>

Money & Banking

King Charles gives woman "the surprise of her life" on 87th birthday

<p>King Charles has given a woman "the surprise of her life" for her 87th birthday. </p> <p>Alice Ryce was visiting Dumfries House for her special day, when she bumped into the monarch who was walking around the grounds. </p> <p>The sweet interaction happened last week, but was only just shared to social media on Tuesday, and showed the birthday girl chatting with His Majesty. </p> <p>"Whilst enjoying a visit to the estate, which is open to the public, Alice unexpectedly met His Majesty, who was delighted to share in her special day," the caption in the video read. </p> <p>"The King was in Ayrshire to support the work of The King's Foundation, headquartered at Dumfries House. Happy birthday, Alice!"</p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-captioned="" data-instgrm-permalink="https://www.instagram.com/reel/DAQ8jRSIPFi/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/reel/DAQ8jRSIPFi/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by Dumfries House (@dumfrieshouse)</a></p> </div> </blockquote> <p>King Charles was wearing a light coloured suit and surrounded by minimal staff and security. He also wore a pair of sunglasses and carried an outdoor walking stick. </p> <p>While it's not uncommon for those celebrating their 100th birthday to get a birthday message from the King, it's very rare for anyone else to receive a birthday message from the monarch, let alone chat with him. </p> <p>Just hours after the clip was posted it gained over 30,000 likes with hundreds of comments, many of them sending their birthday wishes to Alice.</p> <p>"How wonderful!! The King always seems so approachable and such a generous person, so glad to see him looking fit and healthy. And what a wonderful surprise for Alice on her birthday, one she’ll never forget! Happy Birthday Alice and God Save The King!!" one wrote. </p> <p>"Awe she must have been so happy to see you King Charles. What a lucky day for both of you," another added. </p> <p>"What a lovely surprise for Alice," a third wrote. </p> <p><em>Images: Instagram</em></p> <p> </p>

International Travel

The travel hack giving travellers two holidays in one

<p dir="ltr">When it comes to a long-haul flight, a stopover can be exactly what you need to stretch your legs and recharge before the next leg of your journey. </p> <p dir="ltr">But some eager travellers are getting even more out of their stopovers, by booking a few nights in their stopover destination and effectively getting two holidays in one. </p> <p dir="ltr">The “two-for-one holiday” trend is especially popular for those travelling from Australia and New Zealand, as it takes many, many hours to travel from Oceania to Europe, the US, or basically anywhere else in the world. </p> <p dir="ltr">Rather than looking at layovers as a hassle that just prolongs your journey, data shows that travellers are opting to use them as a way to explore new destinations and extend their holidays.</p> <p dir="ltr">According to data from travel search engine <a href="https://www.skyscanner.com.au/">Skyscanner</a>, there has been a notable uptick in bookings for long-haul flights to destinations such as Istanbul, London, Shanghai, and India.</p> <p dir="ltr">When travelling to Europe or the US, many travellers stopover in Asian cities such as Hong Kong, Bangkok in Thailand, Ho Chi Minh City in Vietnam, or Singapore. </p> <p dir="ltr">Alternatively, many stopovers occur in the UAE and Middle East area, with some flights stopping in Abu Dhabi, Dubai, or even Qatar. </p> <p dir="ltr">It’s easy to book your stopover holiday when booking your flights. Just select your original flight to your final destination, but change your second flight to leave the stopover destination a few days later.</p> <p dir="ltr">Skyscanner's travel expert Cyndi Hui told <em><a href="https://travel.nine.com.au/latest/holiday-hacks-two-in-one-stopover-destination/9e77c117-3a14-49a0-903f-b9847bc92fe0">9Travel</a></em> of the travel hack: "With Australia being so far from many global hubs, taking the time to enjoy a stopover instead of rushing through airports allows Australians to truly make the most of their travel experiences".</p> <p dir="ltr">"It's a savvy way to make the most of their travel time, turning what used to be just a stopover into a memorable part of the adventure."</p> <p dir="ltr"><em>Image credits: Shutterstock </em></p>

Travel Tips

Simon Dorante-Day calls for "four-way paternity test" to prove royal lineage

<p>Simon Dorante-Day has called for a "four-way paternity test" to prove his royal lineage, while also casting doubt on if Prince William and Prince Harry are actually sons of the monarch. </p> <p>The Queensland man, who has been claiming to be the secret son of King Charles and Queen Camilla since 2005, has called for an official DNA test to prove his claims in a lengthy Facebook post. </p> <p>Dorante-Day's post highlights a photo comparison of himself, King Charles and William and Harry as evidence supporting his demand for answers from the royal family. </p> <p>“This comparison of William, Myself, Charles, and Harry demonstrates something very clearly, there is no consistency. The fact that the left side of my face identically matches Charles whilst neither William nor Harry’s does, raises the obvious question, just who are Charles’s real sons?”</p> <p>"This is why my wife, Dr. Elvianna, and I believe a 4-way Paternity test is the only way to resolve this issue once and for all. The truth of the game that has been played by the Monarchy, the Government, and the Establishment for 58 years needs to be exposed."</p> <p>"It's not just what happened to me as a child, and what I remember from growing up in England, but it’s also what’s happened since to myself, my wife, and my children in Australia that supports our argument. These covert and illegitimate activities that are targeted towards us constantly are an attempt to stop us on this journey, nothing more. They will not succeed. They will only strengthen our argument and provides us with evidence to demonstrate what has occurred, in a court room, to judges."</p> <p>"My question to all of you is how will you truly react when you hear the truth of what has occurred? Would you still want them on the throne?"</p> <p>Dorante-Day was born in Portsmouth in the UK in 1966, and was adopted at just eight months old. According to his claims, his adoptive mother, who worked for Queen Elizabeth II confessed on her death bed that he was the son of Charles and Camilla.</p> <p><em>Image credits: Facebook</em></p>

Family & Pets

Readers response: What advice would you give to seniors looking to start a new relationship?

<p>When entering the dating world, there are always nerves, expectations and excitement at any age.</p> <p>But when it comes to dating and starting new relationships in your senior years, priorities can be skewed, and meeting someone can be nerve-wracking. </p> <p>We asked our readers what advice they would you give to seniors looking to start a new relationship, and the response was overwhelming. Here's what they said. </p> <p><strong>Judy Chappell</strong> - Don’t! Nothing better than independence & freedom late in life after 63 years married. I have my kids, grandkids, great grandies & great friends that’s enough for me. Don’t need another male around.</p> <p><strong>Jan Heggie</strong> - If it feels right, do it. If it doesn’t feel right after a while, leave. Life is too short to not enjoy it.</p> <p><strong>Karen Simpson Nikakis</strong> - Put legals in place to protect your assets, do not cohabit or marry, and split all bills. </p> <p><strong>Lois Hone </strong>- Be true to yourself. Choose someone who completes you, the one person you feel you can’t live without. The one person, who makes you smile, laugh and is still there when you are sad and hurt and wants to support you. Oh and if they like to cook and clean as well, go for it!</p> <p><strong>Julie Fause</strong>r - Live each in your own home.</p> <p><strong>Marilyn Langelaar </strong>- Do not compare to previous partner.</p> <p><strong>Janet Olsson</strong> - Be careful. Don't rush into anything.</p> <p><strong>Lynn Dilley</strong> - Just go for it if you are happy and feel safe, but keep your money and documents to yourself.</p> <p><strong>Merle Finlayson</strong> - Go for it! It’s never too late.</p> <p><strong>Margot R McCamley </strong>- Enjoy the relationship, but there are always buts so tread carefully. Think it through thoroughly, but don't dismiss it as folly.</p> <p><em>Image credits: Shutterstock</em></p>

Relationships

‘It’s time to give up on normal’: what winter’s weird weather means for the warm months ahead

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/david-bowman-4397">David Bowman</a>, <a href="https://theconversation.com/institutions/university-of-tasmania-888">University of Tasmania</a></em></p> <p>Heavy winds struck south-east Australia over the weekend as a series of cold fronts moved across the continent. It followed a <a href="https://www.9news.com.au/national/australia-weather-update-nsw-and-victoria-damaging-winds-high-fire-danger-warnings/0f9b19d8-dc81-44c9-8df4-679cbb67c055">high fire danger</a> in Sydney and other parts of New South Wales last week, and <a href="https://www.abc.net.au/news/2024-08-28/fire-grass-emergency-warning-firefighter-horningsea-park/104281180">a fire in south-west Sydney</a> that threatened homes.</p> <p>The severe weather rounds out a weird winter across Australia. The nation’s <a href="https://www.theguardian.com/australia-news/article/2024/aug/26/winter-heat-records-broken-as-australia-set-for-more-temperatures-over-10c-above-average">hottest ever winter temperature was recorded</a> when Yampi Sound in Western Australia reached 41.6C on Tuesday. Elsewhere across Australia, winter temperatures have been <a href="https://www.theguardian.com/australia-news/article/2024/aug/28/nsw-weather-forecast-fire-danger-warnings-sydney-bom">way above average</a>.</p> <p>We can look to the positives: spring <a href="https://www.theguardian.com/australia-news/article/2024/aug/26/australias-early-spring-brings-budding-flowers-chirping-birds-and-climate-alarm">flowers are blooming early</a>, and people have donned t-shirts and <a href="https://www.smh.com.au/environment/climate-change/spring-comes-early-after-warm-winter-with-more-heat-on-the-way-20240828-p5k63i.html">hit the beach</a>. But there’s a frightening undercurrent to this weather.</p> <p>Earth’s climate has become dangerously <a href="https://science.nasa.gov/climate-change/extreme-weather/">unstable</a>, and it’s only a matter of time before we get the bad combination of hot and dry weather, strong winds and a spark. None of this should come as a surprise. The sooner we stop expecting Australia’s weather to be “normal”, the sooner we can prepare for life in a wild climate.</p> <figure><iframe src="https://www.youtube.com/embed/003XSg5AZBk?wmode=transparent&start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe></figure> <h2>The green is deceiving</h2> <p>The landscape around Sydney – and in fact, across much of south-east Australia – is very green at the moment. That’s because we’ve had a couple of years of good rains which triggered an explosion of vegetation growth.</p> <p>The below NASA satellite image reveals the picture in stark detail. It’s certainly lush out there at the moment.</p> <p>But the problem with climate change is that weather conditions can turn on a dime. This August was a case in point. At month’s end, much of Australia was hit by a record-breaking heatwave and <a href="http://www.bom.gov.au/australia/charts/synoptic_col.shtml">damaging winds</a> – conditions that can dry out a green landscape with devastating efficiency, turning it into fuel for a bushfire.</p> <p>The dangerous fire weather that struck Sydney this week came as a surprise to many. But in reality, these abnormal conditions are the new normal.</p> <p>We must open our minds to this, if we want to be prepared.</p> <h2>A climate off the rails</h2> <p>The year 2023 was Earth’s <a href="https://www.climate.gov/news-features/featured-images/2023-was-warmest-year-modern-temperature-record#:%7E:text=The%20year%202023%20was%20the,decade%20(2014%E2%80%932023).">hottest on record</a>. And <a href="https://www.carbonbrief.org/state-of-the-climate-2024-now-very-likely-to-be-warmest-year-on-record/">2024 looks likely</a> to be hotter still.</p> <p>In Australia, the last 12 months have provided all the evidence we need that our climate is wobbling on its rails.</p> <p>In October 2023, Victoria’s Gippsland region suffered unseasonably early bushfires, then soon after battled <a href="https://www.abc.net.au/news/2023-12-05/gippsland-fires-and-multiple-floods-breeding-resilience/103179368">heavy rain and flooding</a>.</p> <p>And Tasmania, where I live, <a href="https://www.abc.net.au/news/2024-03-07/tas-drought-conditions-as-dry-tasmania-looking-very-brown/103546058">has been gripped by drought</a>. This February was Hobart’s third driest in 143 years. But over the weekend we were hammered by a <a href="https://www.abc.net.au/news/2024-09-01/tas-flood-warnings-severe-weather-sunday/104296092">deluge of rain and wind</a>.</p> <p>This climate instability is setting up bad fire conditions. Not everywhere in south-east Australia will be hit by fire, but it will happen somewhere. It could be the hinterlands or the coast. It will depend on how our erratic climate behaves in the coming months.</p> <p>Let’s stick with the Tasmania example. Sure, the surface soils are now nicely saturated. But that will lead to a burst of grass and other vegetation in spring. If the dry weather returns and the temperatures heat up in summer, the fine fuels will dry out and become dangerously combustible.</p> <p>All we need then is a windy day and a spark, and a nightmare fire will soon be racing across the landscape.</p> <h2>Canada on fire</h2> <p>Of course, Australia is not the only country facing climate instability and a worsening fire risk.</p> <p>Canada suffered a catastrophic wildfire season in 2023 – one of the most severe on record. It burnt almost 15 million hectares and forced the evacuation of 232,000 people.</p> <p>Smoke produced by the fires affected communities up to 1,000 km away, such as in southern Canada and on the east coast of the United States.</p> <p>A <a href="https://www.nature.com/articles/d41586-024-02653-6">recent paper</a> in the journal Nature Communications outlined why. It pinpointed early snowmelt, early-season drought conditions and intense heat. In fact, the average temperature in Canada from May to October last year was 2.2°C higher than the 30-year average.</p> <p>The researchers said human-caused climate change exacerbated the fire’s effects. It went on:</p> <blockquote> <p>The disproportionate effect a few days of extreme weather can have on the total area burned is also evident in this fire season, leading to worrisome prospects given projected future conditions.</p> </blockquote> <h2>Normal no longer exists</h2> <p>It’s always been difficult to forecast fire seasons in Australia, due to our natural climate variability.</p> <p>But now we are seeing climate instability <a href="https://www.csiro.au/en/research/environmental-impacts/climate-change/state-of-the-climate/previous/state-of-the-climate-2018/australias-changing-climate">layering over itself</a>: background dryness, wet seasons bringing a proliferation of fuels, and above-average temperatures.</p> <p>Eventually we’ll get unlucky and experience extremely strong winds thrown into the mix. That’s when catastrophic fires are most likely to occur.</p> <p>As we saw in the <a href="https://theconversation.com/australias-black-summer-of-fire-was-not-normal-and-we-can-prove-it-172506">Black Summer of 2019–20</a>, and again in Canada last year, some fires are so intense they completely overwhelm fire suppression strategies.</p> <p>Under climate change, the likelihood of getting a bad combination of weather conditions is increasing. So what’s the remedy?</p> <p>Australia really must start making our communities more resilient. Serious and sustained adaptation is needed. As my <a href="https://www.science.org/doi/full/10.1126/science.adi8066">research has outlined</a>, this requires the careful integration of:</p> <ul> <li>community education programs</li> <li>research and development to design fire-safe homes, gardens, communities and bushland</li> <li>incentives and penalties to ensure adaptation measures are implemented.</li> </ul> <p>As this winter has shown, Australia’s climate is entering a different phase. It’s time to give up on “normal” weather. The game is changing and we have to adapt.<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/237857/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em><a href="https://theconversation.com/profiles/david-bowman-4397">David Bowman</a>, Professor of Pyrogeography and Fire Science, <a href="https://theconversation.com/institutions/university-of-tasmania-888">University of Tasmania</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/its-time-to-give-up-on-normal-what-winters-weird-weather-means-for-the-warm-months-ahead-237857">original article</a>.</em></p> </div>

Travel Trouble

Strength training has a range of benefits for women. Here are 4 ways to get into weights

<div class="theconversation-article-body"> <p><em><a href="https://theconversation.com/profiles/erin-kelly-1497598">Erin Kelly</a>, <a href="https://theconversation.com/institutions/university-of-canberra-865">University of Canberra</a></em></p> <p>Picture a gym ten years ago: the weights room was largely a male-dominated space, with women mostly doing cardio exercise. Fast-forward to today and you’re likely to see women of all ages and backgrounds confidently navigating weights equipment.</p> <p>This is more than just anecdotal. According to data from the <a href="https://app.powerbi.com/view?r=eyJrIjoiZGU1YWFhZDgtMmRhZi00YTgyLThhMzItYjc2ODk5NTg0MTg1IiwidCI6IjhkMmUwZjRjLTU1ZjItNGNiMS04ZWU3LWRhNWRkM2ZmMzYwMCJ9">Australian Sports Commission</a>, the number of women <a href="https://www.clearinghouseforsport.gov.au/research/ausplay/results#portal">participating in weightlifting</a> (either competitively or not) grew nearly five-fold between 2016 and 2022.</p> <p>Women are discovering what research has long shown: strength training offers benefits beyond sculpted muscles.</p> <h2>Health benefits</h2> <p><a href="https://www.womenshealth.gov/a-z-topics/osteoporosis">Osteoporosis</a>, a disease in which the bones become weak and brittle, affects more women than men. Strength training increases <a href="https://www.mayoclinic.org/healthy-lifestyle/fitness/in-depth/strength-training/art-20046670">bone density</a>, a crucial factor for <a href="https://bmcmedicine.biomedcentral.com/articles/10.1186/1741-7015-8-47">preventing osteoporosis</a>, especially for women negotiating menopause.</p> <p>Strength training also improves <a href="http://link.springer.com/10.1007/s40279-015-0379-7">insulin sensitivity</a>, which means your body gets better at using insulin to manage blood sugar levels, reducing the risk of type 2 diabetes. Regular strength training contributes to better <a href="https://doi.org/10.1139/apnm-2020-0245">heart health</a> too.</p> <p>There’s a mental health boost as well. Strength training has been linked to reduced symptoms of <a href="https://doi.org/10.1001/jamapsychiatry.2018.0572">depression</a> and <a href="http://link.springer.com/10.1007/s40279-017-0769-0">anxiety</a>.</p> <h2>Improved confidence and body image</h2> <p>Unlike some forms of exercise where progress can feel elusive, strength training offers clear and tangible measures of success. Each time you add more weight to a bar, you are reminded of your ability to meet your goals and <a href="https://www.tandfonline.com/doi/full/10.1080/2159676X.2019.1634127">conquer challenges</a>.</p> <p>This sense of achievement doesn’t just stay in the gym – it can change how women see themselves. A <a href="https://linkinghub.elsevier.com/retrieve/pii/S1755296623000194">recent study</a> found women who regularly lift weights often feel more empowered to make positive changes in their lives and feel ready to face life’s challenges outside the gym.</p> <p>Strength training also has the potential to positively impact <a href="https://journals.lww.com/nsca-jscr/abstract/2002/11000/Relations_of_Strength_Training_to_Body_Image_Among.25.aspx">body image</a>. In a world where women are often judged on appearance, lifting weights can shift the focus <a href="http://journals.sagepub.com/doi/10.1177/0193732502238256">to function</a>.</p> <p>Instead of worrying about the number on the scale or fitting into a certain dress size, women often come to appreciate their bodies for what they can do. “Am I lifting more than I could last month?” and “can I carry all my groceries in a single trip?” may become new measures of physical success.</p> <p>Lifting weights can also be about challenging outdated ideas of how women “should” be. Qualitative <a href="https://journals.humankinetics.com/view/journals/wspaj/aop/article-10.1123-wspaj.2022-0088/article-10.1123-wspaj.2022-0088.xml">research</a> I conducted with colleagues found that, for many women, strength training becomes a powerful form of rebellion against unrealistic beauty standards. As one participant told us:</p> <blockquote> <p>I wanted something that would allow me to train that just didn’t have anything to do with how I looked.</p> </blockquote> <p>Society has long told women to be small, quiet and not take up space. But when a woman steps up to a barbell, she’s pushing back against these outdated rules. One woman in our study said:</p> <blockquote> <p>We don’t have to […] look a certain way, or […] be scared that we can lift heavier weights than some men. Why should we?</p> </blockquote> <p>This shift in mindset helps women see themselves differently. Instead of worrying about being objects for others to look at, they begin to see their bodies as capable and strong. Another participant explained:</p> <blockquote> <p>Powerlifting changed my life. It made me see myself, or my body. My body wasn’t my value, it was the vehicle that I was in to execute whatever it was that I was executing in life.</p> </blockquote> <p>This newfound confidence often spills over into other areas of life. As one woman said:</p> <blockquote> <p>I love being a strong woman. It’s like going against the grain, and it empowers me. When I’m physically strong, everything in the world seems lighter.</p> </blockquote> <h2>Feeling inspired? Here’s how to get started</h2> <p><strong>1. Take things slow</strong></p> <p>Begin with bodyweight exercises like squats, lunges and push-ups to build a foundation of strength. Once you’re comfortable, add external weights, but keep them light at first. Focus on mastering <a href="https://theconversation.com/what-are-compound-exercises-and-why-are-they-good-for-you-228385">compound movements</a>, such as deadlifts, squats and overhead presses. These exercises engage multiple joints and muscle groups simultaneously, making your workouts more efficient.</p> <p><strong>2. Prioritise proper form</strong></p> <p>Always prioritise proper form over lifting heavier weights. Poor technique can lead to injuries, so learning the correct way to perform each exercise is crucial. To help with this, consider working with an exercise professional who can provide personalised guidance and ensure you’re performing exercises correctly, at least initially.</p> <p><strong>3. Consistency is key</strong></p> <p>Like any fitness regimen, consistency is key. Two to three sessions a week are plenty for most women to see benefits. And don’t be afraid to occupy space in the weights room – remember you belong there just as much as anyone else.</p> <p><strong>4. Find a community</strong></p> <p>Finally, join a community. There’s nothing like being surrounded by a group of strong women to inspire and motivate you. Engaging with a supportive community can make your strength-training journey more enjoyable and rewarding, whether it’s an in-person class or an online forum.</p> <h2>Are there any downsides?</h2> <p>Gym memberships can be expensive, especially for specialist weightlifting gyms. Home equipment is an option, but quality barbells and weightlifting equipment can come with a hefty price tag.</p> <p>Also, for women juggling work and family responsibilities, finding time to get to the gym two to three times per week can be challenging.</p> <p>If you’re concerned about getting too “bulky”, it’s very difficult for <a href="https://journals.sagepub.com/doi/epub/10.1177/0031512520967610">women</a> to bulk up like male bodybuilders without pharmaceutical assistance.</p> <p>The main risks come from poor technique or trying to lift too much too soon – issues that can be easily avoided with some guidance.<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/221307/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><a href="https://theconversation.com/profiles/erin-kelly-1497598"><em>Erin Kelly</em></a><em>, Lecturer and PhD Candidate, Discipline of Sport and Exercise Science, <a href="https://theconversation.com/institutions/university-of-canberra-865">University of Canberra</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/strength-training-has-a-range-of-benefits-for-women-here-are-4-ways-to-get-into-weights-221307">original article</a>.</em></p> </div>

Body

4 ways to cut down on meat when dining out – and still make healthy choices

<div class="theconversation-article-body"> <p>.<em><a href="https://theconversation.com/profiles/laura-marchese-1271636">Laura Marchese</a>, <a href="https://theconversation.com/institutions/deakin-university-757">Deakin University</a> and <a href="https://theconversation.com/profiles/katherine-livingstone-324808">Katherine Livingstone</a>, <a href="https://theconversation.com/institutions/deakin-university-757">Deakin University</a></em></p> <p>Many of us are looking for ways to eat a healthier and more <a href="https://theconversation.com/how-sustainable-is-your-weekly-grocery-shop-these-small-changes-can-have-big-benefits-234367">sustainable diet</a>. And one way to do this is by reducing the amount of meat we eat.</p> <p>That doesn’t mean you need to become a <a href="https://theconversation.com/why-you-should-eat-a-plant-based-diet-but-that-doesnt-mean-being-a-vegetarian-78470">vegan or vegetarian</a>. Our <a href="https://jn.nutrition.org/article/S0022-3166(24)00333-X/fulltext">recent research</a> shows even small changes to cut down on meat consumption could help improve health and wellbeing.</p> <p>But not all plant-based options are created equal and some are <a href="https://pubmed.ncbi.nlm.nih.gov/30744710/">ultra-processed</a>. Navigating what’s available when eating out – including options like tofu and fake meats – can be a challenge.</p> <p>So what are your best options at a cafe or restaurant? Here are some guiding principles to keep in mind when cutting down on meat.</p> <h2>Health benefits to cutting down</h2> <p>Small amounts of lean meat can be part of a healthy, balanced diet. But the majority of Australians <a href="https://cancer.org.au/about-us/policy-and-advocacy/prevention/obesity/related-resources/meat-and-cancer#consumption">still eat more meat</a> than recommended.</p> <p>Only a small percentage of Australians (10%) are vegetarian or vegan. But an <a href="https://www.foodfrontier.org/wp-content/uploads/2019/10/Food-Frontier-Hungry-For-Plant-Based-Australian-Consumer-Insights.pdf">increasing</a> number opt for a <a href="https://theconversation.com/love-meat-too-much-to-be-vegetarian-go-flexitarian-73741">flexitarian</a> diet. <a href="https://theconversation.com/whats-the-difference-between-vegan-and-vegetarian-225275">Flexitarians</a> eat a diet rich in fruits and vegetables, while still enjoying small amounts of meat, dairy, eggs and fish.</p> <p>Our <a href="https://jn.nutrition.org/article/S0022-3166(24)00333-X/fulltext">recent research</a> looked at whether the average Australian diet would improve if we swapped meat and dairy for plant-based alternatives, and the results were promising.</p> <p>The study found health benefits when people halved the amount of meat and dairy they ate and replaced them with healthy plant-based foods, like tofu or <a href="https://www.heartfoundation.org.au/blog/why-you-need-legumes-in-your-life">legumes</a>. On average, their dietary fibre intake – which helps with feeling fuller for longer and digestive health – went up. Saturated fats – which increase our blood cholesterol levels, a risk factor for heart disease – went down.</p> <p>Including more fibre and less saturated fat helps reduce the risk of <a href="https://www.heartfoundation.org.au/healthy-living/healthy-eating/healthy-eating-to-protect-your-heart">heart disease</a>.</p> <p>Achieving these health benefits may be as simple as swapping ham for baked beans in a toastie for lunch, or substituting half of the mince in your bolognese for lentils at dinner.</p> <h2>How it’s made matters</h2> <p>For a long time we’ve known processed meats – such as ham, bacon and sausages – are bad for your health. Eating high amounts of these foods is associated with poor <a href="https://www.heartfoundation.org.au/healthy-living/healthy-eating/protein-and-heart-health">heart health</a> and some forms of <a href="https://cancer.org.au/cancer-information/causes-and-prevention/diet-and-exercise/meat-and-cancer-risk">cancer</a>.</p> <p>But the same can be true of many processed meat alternatives.</p> <p>Plant-based alternatives designed to mimic meat, such as sausages and burgers, have become readily available in supermarkets, cafes and restaurants. These products are ultra-processed and can be <a href="https://theconversation.com/we-looked-at-700-plant-based-foods-to-see-how-healthy-they-really-are-heres-what-we-found-222991">high in salt and saturated fat</a>.</p> <p>Our study found when people replaced meat and dairy with ultra-processed meat alternatives – such as plant-based burgers or sausages – they ate more salt and less calcium, compared to eating meat or healthy plant-based options.</p> <p>So if you’re cutting down on meat for health reasons, it’s important to think about what you’re replacing it with. The <a href="https://www.eatforhealth.gov.au/sites/default/files/2022-09/n55g_adult_brochure.pdf">Australian Dietary Guidelines</a> recommend eggs, legumes/beans, tofu, nuts and seeds.</p> <p>Tofu can be a great option. But we recommend flavouring plain tofu with herbs and spices yourself, as pre-marinated products are often ultra-processed and can be high in salt.</p> <h2>What about when dining out?</h2> <p>When you’re making your own food, it’s easier to adapt recipes or reduce the amount of meat. But when faced with a menu, it can be difficult to work out what is the best option.</p> <p>Here are our four ways to make healthy choices when you eat out:</p> <p><strong>1. Fill half your plate with vegetables</strong></p> <p>When cutting down on meat, aim for half your plate to be vegetables. Try to also eat <a href="https://theconversation.com/were-told-to-eat-a-rainbow-of-fruit-and-vegetables-heres-what-each-colour-does-in-our-body-191337">a variety of colours</a>, such as leafy green spinach, red capsicum and pumpkin.</p> <p>When you’re out, this might look like choosing a vegetable-based entree, a stir-fry or ordering a side salad to have with your meal.</p> <p><strong>2. Avoid the deep fryer</strong></p> <p>The Australian Dietary Guidelines <a href="https://www.eatforhealth.gov.au/sites/default/files/files/the_guidelines/n55a_australian_dietary_guidelines_summary_130530.pdf">recommend limiting</a> deep fried foods to once a week or less. When dining out, choose plant-based options that are sautéed, grilled, baked, steamed, boiled or poached – instead of those that are crumbed or battered before deep frying.</p> <p>This could mean choosing vegetarian dumplings that are steamed not fried, or poached eggs at brunch instead of fried. Ordering a side of roast vegetables instead of hot chips is also a great option.</p> <p><strong>3. Pick wholegrains</strong></p> <p>Scan the menu for wholegrain options such as brown rice, wholemeal pizza or pasta, barley, quinoa or wholemeal burger buns. Not only are they good sources of protein, but they also provide more <a href="https://www.eatforhealth.gov.au/food-essentials/five-food-groups/grain-cereal-foods-mostly-wholegrain-and-or-high-cereal-fibre">dietary fibre</a> than refined grains, which help keep you fuller for longer.</p> <p><strong>4. If you do pick meat – choose less processed kinds</strong></p> <p>You may not always want, or be able, to make a vegetarian choice when eating out and with other people. If you do opt for meat, it’s better to steer clear of processed options like bacon or sausages.</p> <p>If sharing dishes with other people, you could try adding unprocessed plant-based options into the mix. For example, a curry with lentils or chickpeas, or a vegetable-based pizza instead of one with ham or salami. If that’s not an option, try choose meat that’s a lean cut, such as chicken breast, or options which are grilled rather than fried.<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/236505/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em><a href="https://theconversation.com/profiles/laura-marchese-1271636">Laura Marchese</a>, PhD candidate at the Institute for Physical Activity and Nutrition, <a href="https://theconversation.com/institutions/deakin-university-757">Deakin University</a> and <a href="https://theconversation.com/profiles/katherine-livingstone-324808">Katherine Livingstone</a>, NHMRC Emerging Leadership Fellow and Senior Research Fellow at the Institute for Physical Activity and Nutrition, <a href="https://theconversation.com/institutions/deakin-university-757">Deakin University</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/4-ways-to-cut-down-on-meat-when-dining-out-and-still-make-healthy-choices-236505">original article</a>.</em></p> </div>

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4 ways to cut down on meat when dining out – and still make healthy choices

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