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Should you use your retirement savings to pay off debt? Three things to keep in mind

<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> and <a href="https://theconversation.com/profiles/jasmine-kinsman-1438670">Jasmine Kinsman</a>, <a href="https://theconversation.com/institutions/nelson-mandela-university-1946">Nelson Mandela University</a></em></p> <p>A host of countries have taken steps to reform the terms under which people can access their retirement benefits. South Africa is the most recent. In 2024 it <a href="https://theconversation.com/south-africa-has-changed-its-retirement-rules-to-help-boost-country-savings-how-it-will-work-233287">introduced changes</a> that allow access to some retirement savings while ensuring that most of the money is still preserved for later.</p> <p>Other countries that have changed the rules to allow members to dip into their savings before retirement include Australia, Chile, India and Portugal. Changes were introduced to ease the financial strain caused by COVID-19 pandemic lockdowns. People across the world are grappling with debt and the cost of living.</p> <p><a href="https://www.treasury.gov.za/comm_media/press/2024/2024%20Two-pot%20System%20Updated%20%20FAQ%20August%202024.pdf">Policymakers</a> have considered this an avenue that offers financially distressed fund members the flexibility to access their retirement funds while still supporting long-term retirement savings. Retirement funds are also often the only sizeable savings that fund members have.</p> <p>A recent report by South Africa’s <a href="https://www.discovery.co.za/portal/business/top-reasons-for-two-pot-withdrawal-requests">Discovery Corporate and Employee Benefits</a>, which represents 3,000 employers that provide pension and provident funds for just over one million employees, found that people aged between 35 and 45 made the most claims to access the savings component of their retirement.</p> <p>When asked what they used the funds for, 24% of members said their withdrawals were for financing home or car expenses. Another 21% of members were using their funds to pay off short-term debt. The majority of members who withdrew their retirement savings were low-income earners (earning up to R125,000 or US$7,000 a year). On the other hand, withdrawals were lowest among high-income earners (earning more than R1 million or US$56,000 a year).</p> <p>This data provides evidence that most low- to middle-income South African consumers are grappling with the trade-off between preserving their capital for retirement and meeting their monthly financial obligations.</p> <p>Given that everyone’s financial situation, goals and needs are different, it’s always best to speak to a financial advisor to assess whether using your retirement savings to pay off debt will be a sound move. But, as academics who have focused on financial planning, we offer three pointers to consider:</p> <ul> <li> <p>understand what you owe, to whom, and what it’s costing you</p> </li> <li> <p>plan beyond paying off debt</p> </li> <li> <p>weigh the pros and cons carefully.</p> </li> </ul> <h2>Know which debt to settle first</h2> <p>Debt with a high interest rate often takes longer to repay, because at the start of the loan repayment period, most of the repayments are going towards interest payments – not reducing the capital amount. If you use your retirement proceeds towards this, it could shorten the period that it would take to settle the loan and reduce the interest repayments, which are compounded according to the outstanding loan balance.</p> <p>Short-term loans, such as those with a repayment term of up to 18 months, tend to have higher interest rates. Unsecured debt, which is debt that is not tied to an asset, also attracts high interest rates because they have little to no collateral requirements. Collateral provides the lender with a guarantee of compensation in the event of default. When there is no collateral, the cost of debt becomes more expensive. Using your retirement proceeds towards settling these short-term loans can free up cash that can be used towards settling other debt and will improve your credit score.</p> <h2>Understanding borrowing behaviour</h2> <p>Using your retirement savings to settle debt should be a priority if you have a plan in place to ensure that your overall financial position will improve. Once the debt is cleared, consider how you can use your free cash in your favour. This could mean boosting your savings or acquiring assets and investments.</p> <p>But if retirement savings are being used to pay off debt while you accumulate more debt, this indicates on ongoing cycle of debt. For example, paying off the minimum amount due on a loan but also consuming the balance that becomes available on the same loan is a sign of poor borrowing behaviour. A more extreme example is taking on more debt to service existing debt.</p> <p>Without a change in borrowing behaviour, using your retirement savings to pay off debt will leave you worse off. You will have missed out on the opportunity to grow your retirement savings and you will have got into more debt.</p> <h2>Debt repayments vs retirement returns</h2> <p>When considering withdrawing from your retirement savings to pay down debt, it’s also important remember this will be at the expense of building your retirement nest egg. For instance, if a 35-year-old were to draw down R30,000 from their retirement fund, that same amount could have grown their retirement capital by over R200,000 by the time they reached 55 years old (assuming an investment return of 10%).</p> <p>Withdrawing your retirement savings on a frequent basis could also mean you may need to work longer and past your intended retirement age to compensate for the withdrawals. Or you may need to find ways to supplement your retirement savings through other investments, or consider reducing your standard of living at retirement.</p> <h2>Is this a sound move?</h2> <p>Remember, withdrawal from retirement savings is subject to tax.</p> <p>While retirement may seem far off when there are more pressing financial needs, using your savings to pay down debt has its advantages and drawbacks. Since withdrawals are being used to pay for expenses and service debt, it’s also important to reflect on borrowing behaviours that may need to be corrected. Otherwise, using retirement savings could become a financial crutch that could make your retirement income less secure.</p> <p>Settling debt using your retirement savings should be done after careful consideration and planning. If in doubt, speak to a financial advisor.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/244837/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><a href="https://theconversation.com/profiles/bomikazi-zeka-680577"><em>Bomikazi Zeka</em></a><em>, Associate Professor in Finance and Financial Planning, <a href="https://theconversation.com/institutions/university-of-canberra-865">University of Canberra</a> and <a href="https://theconversation.com/profiles/jasmine-kinsman-1438670">Jasmine Kinsman</a>, Senior Lecturer in Financial Planning and Certified Financial Planner, <a href="https://theconversation.com/institutions/nelson-mandela-university-1946">Nelson Mandela 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/should-you-use-your-retirement-savings-to-pay-off-debt-three-things-to-keep-in-mind-244837">original article</a>.</em></p> </div>

Money & Banking

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To keep your cool in a heatwave, it may help to water your trees

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/gregory-moore-1779">Gregory Moore</a>, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a></em></p> <p><a href="https://knowledge.aidr.org.au/resources/heatwave/">Heatwaves</a> are among the world’s <a href="https://wmo.int/topics/heatwave#:%7E:text=Impact,died%20from%20heat%2Drelated%20stress.">deadliest</a> weather hazards. Every year, vast numbers of people are <a href="https://www.sciencedirect.com/science/article/pii/S1462901114000999">killed by heat stress</a> and it can worsen health problems such as <a href="https://www.who.int/news-room/fact-sheets/detail/climate-change-heat-and-health">diabetes, asthma and heart disease</a>.</p> <p>Unfortunately, the bitumen roads, brick and concrete structures and roofing tiles in cities can absorb and retain vast amounts of heat, much of which is released after the sun has set. This creates what’s known as the <a href="https://www.climatechange.environment.nsw.gov.au/impacts-climate-change/built-environment/urban-heat">urban heat island effect</a>. In fact, temperatures can be <a href="https://www.climatechange.environment.nsw.gov.au/impacts-climate-change/built-environment/urban-heat#:%7E:text=and%20rural%20environments.-,In%20large%20cities%2C%20average%20temperatures%20can%20be%201%C2%B0C,parts%20experiencing%20even%20higher%20temperatures.">significantly higher in cities</a> than in <a href="https://greenly.earth/en-us/blog/ecology-news/6-key-things-to-know-about-urban-heat-islands">surrounding or rural areas</a>.</p> <p>Trees and greenspace can <a href="https://wwf.org.au/blogs/trees-lower-temperatures-in-a-sydney-street-by-20-degrees/">drive down urban temperatures</a> – but they must be able to draw water from the soil to achieve these massive cooling effects.</p> <p>In other words, it can sometimes be helpful to water your trees during a heatwave.</p> <h2>How trees keep us cool (and no, it’s not just about shade)</h2> <p>Trees reduce urban temperatures in two significant ways. One is by the shade they provides and the other is through their cooling effect – and no, they’re not the same thing.</p> <p>Water is taken up via a plant’s roots, moves through the stems or trunks and is then misted into the air from the leaves through little holes called stomata. This is called transpiration, and it helps cool the air around leaves.</p> <figure class="align-center zoomable"><a href="https://images.theconversation.com/files/640861/original/file-20250107-15-dfepgd.jpg?ixlib=rb-4.1.0&amp;q=45&amp;auto=format&amp;w=1000&amp;fit=clip"><img src="https://images.theconversation.com/files/640861/original/file-20250107-15-dfepgd.jpg?ixlib=rb-4.1.0&amp;q=45&amp;auto=format&amp;w=754&amp;fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/640861/original/file-20250107-15-dfepgd.jpg?ixlib=rb-4.1.0&amp;q=45&amp;auto=format&amp;w=600&amp;h=615&amp;fit=crop&amp;dpr=1 600w, https://images.theconversation.com/files/640861/original/file-20250107-15-dfepgd.jpg?ixlib=rb-4.1.0&amp;q=30&amp;auto=format&amp;w=600&amp;h=615&amp;fit=crop&amp;dpr=2 1200w, https://images.theconversation.com/files/640861/original/file-20250107-15-dfepgd.jpg?ixlib=rb-4.1.0&amp;q=15&amp;auto=format&amp;w=600&amp;h=615&amp;fit=crop&amp;dpr=3 1800w, https://images.theconversation.com/files/640861/original/file-20250107-15-dfepgd.jpg?ixlib=rb-4.1.0&amp;q=45&amp;auto=format&amp;w=754&amp;h=772&amp;fit=crop&amp;dpr=1 754w, https://images.theconversation.com/files/640861/original/file-20250107-15-dfepgd.jpg?ixlib=rb-4.1.0&amp;q=30&amp;auto=format&amp;w=754&amp;h=772&amp;fit=crop&amp;dpr=2 1508w, https://images.theconversation.com/files/640861/original/file-20250107-15-dfepgd.jpg?ixlib=rb-4.1.0&amp;q=15&amp;auto=format&amp;w=754&amp;h=772&amp;fit=crop&amp;dpr=3 2262w" alt="A diagram shows how transpiration happens." /></a><figcaption><span class="caption">Transpiration helps cools the air around a plant’s leaves.</span> <span class="attribution"><a class="source" href="https://www.shutterstock.com/image-vector/transpiration-stages-plants-roots-absorb-water-1856372440">grayjay/Shutterstock</a></span></figcaption></figure> <p>Water can also evaporate from soil and other surfaces. The combined loss of water from plants and soil is called evapotranspiration.</p> <p>The cooling effects of evapotranspiration vary but are up to <a href="https://www.sciencedirect.com/science/article/pii/S2095311913605432#:%7E:text=Our%20literature%20review%20suggests%20that,ways%20of%20reducing%20urban%20temperatures">4°C</a>, depending on other environmental factors.</p> <h2>Watering your trees</h2> <p>If heatwaves occur in generally hot, dry weather, then trees will provide shade – but some may struggle with transpiration if the soil is too dry.</p> <p>This can reduce the cooling effect of trees. Keeping soil moist and plants irrigated, however, can change that.</p> <p>The best time to irrigate is early in the morning, as the water is less likely to evaporate quickly before transpiration can occur.</p> <p>You don’t need to do a deep water; most absorbing roots are close to the <a href="https://theconversation.com/here-are-5-practical-ways-trees-can-help-us-survive-climate-change-129753">surface</a>, so a bit of brief irrigation will often do the trick. You could also recycle water from your shower. Using mulch helps trap the water in the soil, giving the roots time to absorb it before it evaporates.</p> <p>All transpiring plants have a cooling effect on the air surrounding them, so you might wonder if trees have anything special to offer in terms of the urban heat island effect and heatwaves.</p> <p>Their great size means that they provide much larger areas of shade than other plants and if they are transpiring then there are greater cooling effects.</p> <p>The surface area of tree leaves, which is crucial to the evaporative cooling that takes place on their surfaces, is also much greater than many other plants.</p> <p>Another advantage is that trees can be very long lived. They <a href="https://www.epa.gov/heatislands/using-trees-and-vegetation-reduce-heat-islands">provide shade, cooling and other benefits</a> over a very long time and at relatively low cost.</p> <h2>Not all trees</h2> <p>All that said, I don’t want to overstate the role of urban trees in heatwaves when soils are dry.</p> <p>Some trees cease transpiring early as soils dry, but <a href="https://auf.isa-arbor.com/content/39/3/109">others will persist</a> until they wilt.</p> <p>Careful tree selection can help <a href="https://treenet.org/resource/it-isnt-rocket-science-street-trees-can-make-a-difference-in-climate-change/">maximise the cooling effects</a> of the urban forest. Trees that suit the local soil and can cope with some drying while maintaining transpiration can provide greater cooling</p> <p>And, of course, it is important to follow any <a href="https://www.water.vic.gov.au/for-households/water-restrictions-and-rules/permanent-water-saving-rules">water restriction</a> <a href="https://www.nsw.gov.au/environment-land-and-water/drought/water-restrictions">rules</a> or <a href="https://www.sydneywater.com.au/water-the-environment/what-we-are-doing/water-wise-guidelines.html">guidelines</a> that may be operating in your area at the time.</p> <h2>Trees keep us cool</h2> <p>Despite the clear benefits trees can provide in curbing heat, tree numbers and canopy cover are declining annually in many Australian cities and towns.</p> <p>Housing development still occurs without proper consideration of how trees and greenspace improve residents’ quality of life.</p> <p>It is not an either/or argument. With proper planning, <a href="https://theconversation.com/adelaide-is-losing-75-000-trees-a-year-tree-removal-laws-must-be-tightened-if-we-want-our-cities-to-be-liveable-and-green-216990">you can have both</a> new housing and good tree canopy cover.</p> <p>We should also be cautious of <a href="https://au.news.yahoo.com/trees-butchered-by-power-company-highlight-common-problem-its-sad-012952515.html?guccounter=1">over-pruning</a> urban trees.</p> <p>Trees cannot eliminate the effects of a heatwave but can mitigate some of them.</p> <p>Anything that we can do to mitigate the urban heat island effect and keep our cities and towns cooler will reduce heat-related illness and associated medical costs.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/246486/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/gregory-moore-1779">Gregory Moore</a>, Senior Research Associate, School of Agriculture, Food and Ecosystem Sciences, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</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/to-keep-your-cool-in-a-heatwave-it-may-help-to-water-your-trees-246486">original article</a>.</em></p> </div>

Home & Garden

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How I'm A Celebrity producers keep cast anonymous

<p><em>I'm a Celebrity... Get Me Out Of Here! </em>has been back on Aussie screens for a week, and now an inside source has revealed how everything works. </p> <p>Speaking to <em>Yahoo Lifestyle</em>, the source revealed that the show will be dropping one more celebrity into the jungle, this time "a 'famous' Australian actress that is known internationally," with the code name 'Seal'. </p> <p>The code names are an essential part of ensuring that the celebrities stay anonymous before they go into the jungle, with this year's theme for code names being animals you would find in the ocean. </p> <p>"Network 10 created codenames that allow producers to get the ‘celebrities’ into 'the jungle' without worrying about who hears their name," the insider said.</p> <p>"Producers have been referring to Hughesy as 'the dolphin' for weeks," they said. </p> <p>They cited a few other examples including: Matty J who was given the code name Manta-Ray, Nicky Buckley had the code name Narwhal, Reggie Sorenson was the Red Emperor and Shayna Jack was Starfish. </p> <p>"To get the cast of 'celebrities' into the jungle without revealing the line-up is a covert operation that has been getting more complex every year," the insider said. </p> <p>The source revealed that this is because one of the previous competitors, Sam Dastyari, found  the names of all the celebs before entering the jungle and texted the complete cast list to a journalist in Australia.</p> <p>“We don't even tell Julia Morris and Robert Irwin until we absolutely have to because we literally trust nobody," they continued.</p> <p>“Some people swore black and blue they knew our cast this year but most were way off and that is done on purpose."</p> <p>The insider also revealed the the flights to South Africa were all spread out, with some celebrities flying up to 10 days before they enter the jungle, while others arrived the day before. </p> <p><em>Image: Channel 10</em></p>

TV

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How can I keep my cat happy? 5 tips from a vet to help your feline friend live their best life

<div class="theconversation-article-body"> <p><em><a href="https://theconversation.com/profiles/anne-quain-12802">Anne Quain</a>, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a></em></p> <p>Around <a href="https://animalmedicinesaustralia.org.au/report/pets-in-australia-a-national-survey-of-pets-and-people-2/">one third of Australian households live with at least one cat</a>, yet surveys tell us the cats’ <a href="https://journals.sagepub.com/doi/10.1177/1098612X19890189">needs are not being met</a>.</p> <p>Cats may <a href="https://www.sup.org/books/media-studies/unified-theory-cats-internet">rule the internet</a>, but humans often misconstrue feline behaviour. Earlier this year, the Washington Post boldly declared <a href="https://www.washingtonpost.com/home/2024/03/12/cats-behavior-misunderstood/">cat’s arent jerks – they’re just misunderstood</a>. This was prompted by research showing that, contrary to unhelpful stereotypes, <a href="https://www.sciencedirect.com/science/article/pii/S1090023323000795">cats are not antisocial</a>. They can and do bond closely with humans.</p> <p>The more we learn about cats, the more we realise they are complex individuals with unique <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC8300181/">personalities</a> and preferences, capable of <a href="https://www.nature.com/articles/s41598-024-74006-2">learning</a>.</p> <p>From understanding your cat’s language to keeping them safe and healthy – here are science-backed tips to improve the lives of your feline flatmates.</p> <h2>1. Pay attention to body language</h2> <p>Cats communicate with humans using body language and vocalisation. However, while cats direct meows at humans, and the meows vary depending on the context, humans <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC7765146/">are not great at decoding them</a>. But we can read cat body language.</p> <p>For example, slow blinking is likely to indicate a <a href="https://www.nature.com/articles/s41598-020-73426-0">positive emotional state</a>. Cats who are not happy (for example, don’t want to be touched) will freeze, move away, flatten their ears, hiss, or – if they feel they have no other option – scratch or bite.</p> <p>It is better to allow cats to approach you on their terms, rather than pushing for social interaction. A cat approaching you with their tail up is giving a <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC8469685/">friendly signal</a>, while a tail swishing from side to side signals annoyance.</p> <p>Cats should always have the option to opt out of any interaction, like being touched. If you aren’t sure, just “<a href="https://www.companionanimalpsychology.com/p/purr-science-of-making-your-cat-happy.html">ask</a>”: stop patting them. If they walk away, they’re not keen. If they rub their head against you, they want to continue the interaction.</p> <h2>2. Provide a healthy environment</h2> <p>The American Association of Feline Practitioners and the International Society of Feline Medicine have agreed upon <a href="https://journals.sagepub.com/doi/full/10.1177/1098612X13477537">five pillars of a healthy feline environment</a>:</p> <ol> <li> <p>A safe space so that cats can retreat if frightened.</p> </li> <li> <p>Multiple, separated key resources (food, water, toileting areas, scratching areas, play areas and resting or sleeping areas) so that cats can comfortably conduct their daily activities.</p> </li> <li> <p>Opportunity for play and predatory behaviour, such as games with wand toys that simulate hunting.</p> </li> <li> <p>Positive, consistent and predictable human-cat interactions, respecting a cat’s choice about whether and how they interact.</p> </li> <li> <p>Respecting the importance of a cat’s senses by avoiding undesirable stimuli (strong smells and loud noises), and providing desirable sensory stimulation (for example, use of <a href="https://theconversation.com/are-catnip-and-treats-like-it-safe-for-cats-heres-how-they-affect-their-minds-and-moods-214947">catnip or silver vine</a>).</p> </li> </ol> <p>These pillars provide a useful checklist. If you read this and realise your cat’s food and water are right next to the litter tray, you can improve your cat’s environment (and their experiences of eating and toileting) by separating these resources right now.</p> <h2>3. Clean the litter tray!</h2> <p>A litter tray may represent an unpleasant chore to you, but the importance of a spacious litter tray to your cat cannot be overstated. Cats <a href="https://www.sciencedirect.com/science/article/pii/S0376635716302972">prefer using a clean litter tray</a>, even if they are the only cat in the household.</p> <p>Cats like to <a href="https://www.sciencedirect.com/science/article/pii/S016815911730151X">spend time in the tray</a> before, during and after toileting, and they generally <a href="https://www.sciencedirect.com/science/article/pii/S1558787814000033">prefer a large tray</a>.</p> <p>Poor litter hygiene is associated with a risk of urinary problems, which can be <a href="https://onlinelibrary.wiley.com/doi/10.1111/jvim.16389">life-threatening</a>. A <a href="https://doi.org/10.1177/1098612X19890189">survey of over 12,000 Australian cat owners</a> found that urinary problems were more common in households with a low number of litter trays per cat, less frequent removal of faeces from the trays, and the use of crystal-type cat litter.</p> <p>If you switch the type of litter you provide, a <a href="https://www.mdpi.com/2076-2615/12/8/946">slow transition</a> is recommended to allow cats to get used to the change.</p> <h2>4. Read the room</h2> <p>Do you have more than one cat? Tension between household cats is common but often overlooked, as it’s not always physical fighting. Signs of inter-cat tension can include prolonged staring, or even blocking the use of resources such as the litter tray or cat door, to prevent other cats from using them.</p> <p>In their <a href="https://journals.sagepub.com/doi/10.1177/1098612X241263465">2024 intercat-tension guidelines</a>, the American Association of Feline Practitioners note this can case chronic fear, anxiety and stress-related illnesses in cats.</p> <p>Learning to recognise and manage tension between household cats can improve the welfare of all parties.</p> <p>When you love your cat, it is tempting to seek to amplify the joy by adopting another. But many cats prefer to be the only cat in the household, and don’t cope well with a <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC10083434/">feline flatmate</a>. If they have positive interactions with familiar, trusted humans, they’re unlikely to be lonely.</p> <h2>5. Keep cats and other animals safe</h2> <p>Historically, domesticated cats earned their keep <a href="https://www.sciencedirect.com/science/article/pii/S0169534720300100">protecting grain stores</a> from rodents. But what constitutes responsible cat ownership has changed. Around 65% of Australia’s cat owners <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC10215893/">confine their cats</a> indoors always, while 24% keep their cats confined at night.</p> <p>A major driver for indoor-only housing of cats is their <a href="https://theconversation.com/one-cat-one-year-110-native-animals-lock-up-your-pet-its-a-killing-machine-138412">predation of wildlife</a>. Another is concerns about roaming-associated risks to cats, including cat fights, infectious diseases (such as <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC9546031/">feline immunodeficiency virus or FIV</a>), misadventure and motor vehicle trauma. But owners of cats kept entirely indoors were more likely to report <a href="https://www.sciencedirect.com/science/article/abs/pii/S0168159119301054?via%3Dihub">“problem” behaviours</a>.</p> <p>Ideally, cats shouldn’t be allowed to free-roam unsupervised where they can harm wildlife, even within the bounds of the property where you live. More than a third of local councils in Australia <a href="https://www.abc.net.au/news/2024-05-19/banning-pet-cats-roaming-native-animals-billions-dollars-council/103856000">now require</a> cats to be contained overnight or 24 hours a day.</p> <p>Outdoor access provides sensory stimulation, with different sights, sounds and smells. Alternatives to free roaming include providing access to a well-designed cat run, harness-training your cat, or supervising your cat.</p> <p>Cats who don’t leave home unless they’re moving house or being taken to the vet, quickly learn to associate the cat carrier with a trip to an unfamiliar environment. It doesn’t take a genius to work out that a vet visit is imminent when the carrier comes out.</p> <p>But that negative association can be changed. <a href="https://www.sciencedirect.com/science/article/pii/S0168159118302703">Cats who were rewarded with treats</a> when they approached, stepped inside or rested in the carrier for six weeks were much less stressed during veterinary visits.</p> <p>Cats are intelligent, and contrary to popular opinion, can be trained. The process can be enriching for cats and humans alike. With patience and commitment, <a href="http://www.smallanimaltalk.com/2017/04/book-review-trainable-cat-plus-that.html">you can train your cat</a> – from a simple “sit” to voluntarily stepping into the cat carrier.</p> <p>In short, give cats choice, respect their “cat-ness”, pay attention to their needs and try to see our world from their point of view. Your cat will be happier for it.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/242774/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em><a href="https://theconversation.com/profiles/anne-quain-12802">Anne Quain</a>, Senior Lecturer, Sydney School of Veterinary Science, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a></em></p> <p><em>Image credits: Shutterstock</em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/how-can-i-keep-my-cat-happy-5-tips-from-a-vet-to-help-your-feline-friend-live-their-best-life-242774">original article</a>.</em></p> </div>

Family & Pets

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Do natural fabrics really keep us cooler in summer? Here’s the science

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/nisa-salim-1442233">Nisa Salim</a>, <a href="https://theconversation.com/institutions/swinburne-university-of-technology-767">Swinburne University of Technology</a></em></p> <p>The Bureau of Meteorology has warned Australia is facing one of the <a href="https://www.abc.net.au/news/2024-10-12/australia-facing-one-of-hottest-summers-on-record-bom/104464014">hottest summers on record</a>. As the weather warms, many of us reach for light-coloured clothes in natural fabrics, such as cotton and linen.</p> <p>But why are natural fabrics like these so much better at keeping us cool when the weather is hot?</p> <p>Here’s what the science says.</p> <h2>Natural fabrics and sweat: a match made in heaven</h2> <p>In hot weather, we sweat. As sweat evaporates, it carries heat away, which helps cool the body down.</p> <p>In hot weather, then, we want clothes that help take moisture away from the body as efficiently as possible.</p> <p>Natural fabrics are made using fibres extracted from plant- or animal-based sources such as cotton, linen, hemp, wool and silk.</p> <p>The primary component of all plant-based fibres is cellulose. Animal-based fibres are made up of proteins such as keratin and silk fibroin.</p> <p>Cellulose molecules are rich in compounds called hydroxyl groups that attract water and moisture. In scientific terms, they are hydrophilic – they love water.</p> <p>So, clothing made of cotton and linen is highly hydrophilic. It tends to absorb moisture and disperse it across the fabric, allowing it to evaporate more easily.</p> <p>This takes the sweat away quickly, making it more comfortable and breathable and allowing us to stay cool in sweltering temperatures.</p> <p>One downside of the natural fabrics is they wrinkle quickly (some people, of course, like that look).</p> <p>And on a really hot, sweaty day, natural fabrics can get heavy and wet.</p> <p>Animal fibres are basically proteins, and their properties vary depending on the source.</p> <p>Wool has been bio-engineered over millions of years to be comfortable to wear. Wool fibres are hydrophilic on the inside and hydrophobic on the outside, meaning they’re both water resistant and good at wicking moisture away.</p> <p>On the other hand, silk fabrics are very good at helping regulate temperature; they keep us cool in hot weather and warm in cold weather.</p> <h2>Synthetic fabrics: less wrinkly, more sweaty</h2> <p>Synthetic fabrics, on the other hand, are lighter and tend to wrinkle less.</p> <p>Common synthetic fabrics (such as polyester, nylon and acrylic) are all made from petroleum-based chemicals.</p> <p>Most synthetic fibres are made of long chains of hydrogen and carbon atoms and do not contain the hydroxyl groups we discussed earlier.</p> <p>Such fibres are therefore hydrophobic – they hate water. This means the water can’t spread evenly across the fabric and evaporate easily.</p> <p>They trap sweat against the skin, making the clothes less breathable and comfortable when the weather is warm and humid.</p> <p>However, some synthetic fabrics used in certain types of active wear can wick sweat away from body.</p> <p>And some semi-synthetic fabrics such as rayon or tencel (which are made from wood pulp or cotton with synthetic fibres) are more breathable than other synthetic fabrics such as polyester or nylon.</p> <h2>Fabric weave makes a difference, too</h2> <p>The colour of the clothing is also a contributing factor to keep you cool during summer. Light colours reflect sunlight away from you and help to keep the body cooler.</p> <p>There is some evidence dark colours absorb the <a href="https://www.sciencedirect.com/science/article/pii/S2214157X23012054">sunlight and associated heat</a>, making the surface of the skin warmer than normal.</p> <p>Another factor affecting breathability and comfort of clothing is the way the fabrics are woven.</p> <p>Fabrics that are loosely woven (sometimes known as “open weave”) with thinner materials naturally have more airflow, which helps you keep cool.</p> <p>For a quick, non-scientific test, hold a fabric up and see how much light passes through it. The more light you can see, the more breathable it likely is.</p> <p>The way the fabric is treated can play a role, too; such as for softening and wrinkle resistance.</p> <p>Using a fabric softener when you do a load of laundry usually doesn’t affect fabric breathability; softeners modify the surface of the fabric but don’t change the internal structure or porous nature of the fabrics.</p> <p>Wrinkle resistance is the ability of the fabric to stay smooth and polished even after washing. Synthetic fabrics are inherently wrinkle resistant. Natural fibres are more prone to wrinkles but can be chemically treated on the fabric surface during manufacturing to make them wrinkle resistant.</p> <p>Such treatments, however, may form layers on top of the fabric blocking the airflow, leading them to be less breathable.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/240909/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/nisa-salim-1442233">Nisa Salim</a>, Senior Lecturer at the School of Engineering, <a href="https://theconversation.com/institutions/swinburne-university-of-technology-767">Swinburne University of Technology</a></em></p> <p><em>Image credits: Shutterstock</em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/do-natural-fabrics-really-keep-us-cooler-in-summer-heres-the-science-240909">original article</a>.</em></p> </div>

Beauty & Style

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How to keep your physical and mental health on track during the holidays

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/scott-lear-423698">Scott Lear</a>, <a href="https://theconversation.com/institutions/simon-fraser-university-1282">Simon Fraser University</a> </em></div> <div class="theconversation-article-body">With the festive season upon us, many people will be gathering with family and friends, whether it’s a workplace party, a friend’s get-together or a quiet night at home watching Christmas movies. While enjoyable, these events can disrupt your healthy lifestyle habits.</p> <p>A <a href="https://www.sciencedaily.com/releases/2023/12/231204135305.htm">recent survey</a> reported nearly 45 per cent of people take a break from exercise during the holidays, more than half say they feel more tired and have less time for themselves, and about one-third report drinking more.</p> <p>My research looks at the benefits of a <a href="https://drscottlear.com/">healthy lifestyle</a> on <a href="https://open.spotify.com/show/1xsvY0F6qbBKDG8INVvy5T">physical and mental health</a>. And many of these same healthy behaviours can help you navigate the holidays.</p> <h2>Eating right</h2> <p>Cakes, chocolates, spiced ham, turkey stuffing, mulled wine and other delights abound during this time of year. Most of these foods are high in fat, sugar and calories. So it’s no surprise the holidays are associated with a greater consumption of food. And one survey even pegged people <a href="https://www.huffingtonpost.co.uk/entry/calories-consumed-on-christmas-day_uk_584abfb4e4b0fccb67997275">eating close to 6,000 calories on Christmas Day</a>. That’s two to three times the daily caloric recommendation for most people.</p> <p>With this amount of eating, there are many claims the holidays result in weight gain. While there is an enduring rumour that <a href="https://www.nytimes.com/2006/10/31/health/nutrition/31real.html">average holiday weight gain is five to 10 pounds</a> (2.25 to 4.5 kilograms), in reality it may be much less. A study published in 2000 reported it to be only <a href="https://doi.org/10.1056/NEJM200003233421206">around one pound</a>, or about half a kilogram. However, as this was an average amount, there were still some people in the study who gained five or more pounds.</p> <p>While indulging on one or two occasions isn’t going to derail your diet, if you have a holiday circuit of events you do, you may want to develop a strategy on how to manage your diet. First ask yourself if you need (or want) to go to all of them.</p> <p>For the events you do go to, pick one or two occasions at which you’ll indulge. These might have the best food, or your closest family and friends are present. For the others, try staying on the healthier side of things.</p> <p>Before you go, make sure you eat well during the day leading up to your event so you’re not going to the event hungry. Also, make sure you get plenty of sleep. A lack of sleep can make you more likely to reach for <a href="https://doi.org/10.1016/j.foodqual.2020.104074">high-energy foods and eat more</a>.</p> <p>Try to enlist a health buddy, whether a friend or even the host, to keep you on track. And be mindful of alcohol intake, which can impair your self-discipline.</p> <h2>Staying active</h2> <p>When it comes to exercise, most of us are creatures of habit. This is a good thing, because having <a href="https://journals.sagepub.com/doi/10.1177/1559827618818044">a routine is the best way to maintain regular exercise</a>. But the holidays are anything but routine. Gyms, pools and community centres may have shortened hours or be closed. Your trainer or aerobics instructor may have taken time off.</p> <p>Now, missing a few exercise sessions isn’t going to affect your fitness and long-term health, but it can affect your mood. Exercise is known to <a href="https://doi.org/10.1016/j.physbeh.2017.03.013">increase energy levels</a>, <a href="https://doi.org/10.1007/s10902-018-9976-0">improve mood</a> and <a href="https://doi.org/10.1016/j.psyneuen.2014.10.019">reduce stress</a>. All of which can be helpful during the frenetic holidays. And missing an exercise session can be like not having your morning coffee.</p> <p>But the holidays also present numerous opportunities to get in a lot of activity — from shopping to Christmas markets to walking around your neighbourhood looking at the decorations.</p> <p>You can also get into the holiday spirit by singing Christmas carols (or any other song). Singing can <a href="https://doi.org/10.1136/bmjopen-2018-026995">reduce anxiety</a>, potentially <a href="https://doi.org/10.1136/bmjresp-2021-000959">increase your lung capacity</a> and <a href="https://doi.org/10.1007/s10865-004-0006-9">increase the number of infection-fighting molecules</a> in your blood. And singing with others is known to build social bonds and <a href="https://doi.org/10.1177/03057356211042668">release oxytocin</a>, which can improve one’s mood.</p> <p>While the quality of your singing doesn’t matter for most of these benefits, the more you do sing, <a href="https://doi.org/10.1002/hbm.21173">the more you’ll likely benefit</a>.</p> <h2>Managing stress</h2> <p>Nearly <a href="https://www.apa.org/news/press/releases/2023/11/holiday-season-stress">90 per cent of adults in the United States associate the holiday season with some form of stress</a>. While the holidays are meant to be a period of joy, it’s not uncommon to feel overwhelmed by the shopping, hosting events, expectations of others and the added financial costs.</p> <p>This may be one of the reasons why the number of <a href="https://doi.org/10.1161/01.CIR.100.15.1630">heart attacks and cardiac-related deaths</a> increase during the holiday period. In addition, it’s believed people delay seeking treatment during the holidays, given that <a href="https://doi.org/10.1161/01.CIR.0000151424.02045.F7">emergency department visits spike after they’re over</a>.</p> <p>Stress occurs when people feel they don’t have control over what’s going on. Setting up a holiday plan can help. Your plan could include a spending budget, which events you’ll attend and which you’ll say no to. If you’re hosting a dinner, plan the menu ahead of time, enlist help from others or even get take-out.</p> <p>Other strategies for managing, and preventing, stress include getting regular exercise, ensuring you get enough sleep, avoiding unrealistic expectations and setting aside some quiet time to do something just for yourself.</p> <p>While we all want things to be perfect, even the best plans may go astray. If that does happen, that’s okay and go easy on yourself. If you do find the holidays challenging, make sure you speak up to the people around you for their support.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/219946/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><a href="https://theconversation.com/profiles/scott-lear-423698"><em>Scott Lear</em></a><em>, Professor of Health Sciences, <a href="https://theconversation.com/institutions/simon-fraser-university-1282">Simon Fraser 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/how-to-keep-your-physical-and-mental-health-on-track-during-the-holidays-219946">original article</a>.</em></p> </div>

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Australia Post wants to charge more for stamps next year. Here’s why it has to keep letters alive

<div class="theconversation-article-body">By <a href="https://theconversation.com/profiles/paul-alexander-1126222">Paul Alexander</a>, <em><a href="https://theconversation.com/institutions/curtin-university-873">Curtin University</a></em></p> <p>Remember back at the turn of the millennium, when sending a small letter only cost 45 cents? If you haven’t used the postal service recently, you might be in for a rude shock.</p> <p>Late last week, it was announced Australia Post had notified the Australian Competition and Consumer Commission (ACCC) of a proposal to increase the price of stamps.</p> <p>If ultimately approved by Communications Minister Michelle Rowland, the current basic postage rate for a small letter, $1.50, would <a href="https://auspost.com.au/disruptions-and-updates/pricing-updates/bpr-letter-pricing-update">rise</a> to $1.70 by mid-2025. Stamps for regular large and priority small letters would go from $2.20 up to $2.70.</p> <p>There would still be a discounted option for seasonal greetings cards, which would remain at 65 cents.</p> <p>If you’re feeling a sense of déjà vu, that’s because the last basic postage rate <a href="https://minister.infrastructure.gov.au/rowland/media-release/decision-basic-postage-rate">increase</a> to $1.50 only just came into effect earlier this year.</p> <p>Like physical cash, letters have arguably been in terminal decline. According to Australia Post, <a href="https://newsroom.auspost.com.au/proposed-stamp-price-increase-as-letters-losses-mount">fewer than 3%</a> of letters are now sent by individuals. The rest are overwhelmingly business and government communications.</p> <p>But for some key groups, the “snail mail” remains a vital service. So why do we need to keep letters alive, and will increasing the price of stamps be enough to do so?</p> <h2>A duty to serve all Australians</h2> <p>As a publicly owned organisation, Australia Post has a range of formal community service obligations (CSOs). These are <a href="https://www.transparency.gov.au/publications/communications-and-the-arts/australian-postal-corporation/australia-post-annual-report-2022-23/other-important-information/community-service-obligations">enshrined in legislation</a> – the Australian Postal Corporation Act 1989.</p> <p>These CSOs were set up to ensure essential postal services are accessible and affordable to all Australians, including those in regional, rural and remote areas.</p> <p>They include providing a universal access to a standard letter service at a uniform price across the country, as well as specific obligations on the frequency, range and speed of mail delivery.</p> <p>Since 2015, Australia Post has been lobbying to reform its community service obligations to <a href="https://www.afr.com/markets/equity-markets/australia-post-posts-222m-loss-letter-posting-in-terminal-decline-20150925-gjup78">better align</a> with changed consumer behaviour and needs.</p> <p>That has led to some changes in what’s expected, including a range of <a href="https://www.infrastructure.gov.au/sites/default/files/documents/postal-services-modernisation-discussion-paper.pdf">reforms</a> implemented by the Australian government over the past year.</p> <p>These have included <a href="https://www.abc.net.au/news/2024-04-12/auspost-to-halve-letter-delivery-frequency-from-monday/103699458">reducing delivery frequency</a> for letters and reallocating resources to parcel delivery, while still maintaining essential services in regional and remote areas and for special interest groups.</p> <p>We are clearly in a broader transition to new CSOs – and a new role for Australia Post. Much of that comes down to the difficulty of delivering letters.</p> <h2>The long decline of letters</h2> <p>In the last financial year, Australia Post’s letter volumes <a href="https://newsroom.auspost.com.au/proposed-stamp-price-increase-as-letters-losses-mount">fell</a> by almost 13%, which the company said led to a loss of $361.8 million.</p> <p>But this is nothing new. From a peak in 2008, letter delivery volumes have been <a href="https://minister.infrastructure.gov.au/rowland/media-release/ensuring-australia-post-can-deliver-more-australians">plummeting</a> for more than a decade.</p> <figure class="align-right "><figcaption></figcaption></figure> <p>Australia Post <a href="https://newsroom.auspost.com.au/proposed-stamp-price-increase-as-letters-losses-mount">says</a> they’re now at levels not seen since the 1950s. Remember, in 1955, the Australian population was only 9.2 million people.</p> <p>Parallels with declining cash usage highlight our aversion to doing things with paper.</p> <p>Cash use in Australia has also fallen to historic lows, forcing the government to step in with a plan to <a href="https://theconversation.com/businesses-will-have-to-accept-cash-for-essentials-under-government-plan-243899">keep it alive for essentials</a>.</p> <h2>All or nothing</h2> <p>A key conundrum is that we can’t keep letters half-alive. For all Australians to be able post letters on a scheduled basis with fast delivery requires Australia Post to maintain a complete letter network across the entire nation.</p> <p>The overall costs of operating this – while not specifically itemised publicly – include maintaining delivery routes and retail outlets, paying employee wages and investing in infrastructure.</p> <p>Naturally, increasing the cost of sending letters will discourage businesses from doing so, shrinking the market ever more.</p> <p>But because the size of the mail delivery network does not shrink proportionately, this can cause outsize problems for Australia Post.</p> <p>Australia is not unique. Postal services around the world have felt <a href="https://www.upu.int/en/publications/physical-postal-services/strategies-and-ways-for-developing-the-traditional-letterpost-documents-market">similar pressures</a>, many of which have diversified into parcel logistics and offering other digital services.</p> <h2>Could we just lose letters?</h2> <p>There are three core demographics in Australian society that still need to send and receive physical mail. These are:</p> <ul> <li> <p>older Australians, particularly those who are less familiar with or have limited access to digital platforms</p> </li> <li> <p>residents of regional and remote areas with limited internet connectivity</p> </li> <li> <p>concessional users for whom discounted mail is the most affordable form of important communications.</p> </li> </ul> <p>At the very least, these groups all need to have a guaranteed ability to send and receive official information. That includes bank statements, legal notices, utility bills and government correspondence, such as electoral information.</p> <p>Less critical, but still socially important and likely not to be terminated, is delivery of cards and letters for personal milestones, holidays or other events.</p> <p>That puts Australia Post in a tricky position. It likely cannot maintain such large mail delivery infrastructure unless it does so at increasing losses.</p> <p>That also reduces its ability to provide other, more relevant services and can blunt its competitiveness in the parcel delivery market.</p> <h2>Letters as small parcels</h2> <p>For Australia Post, one solution may lie in leveraging its <a href="https://auspost.com.au/content/dam/auspost_corp/media/documents/2024-australia-post-annual-report.pdf">thriving</a> parcels delivery network.</p> <p>Given the essential user base for mail delivery is now so small, it makes sense for letters to be “special” delivery services, much as courier document services are now. Parcel home delivery resources could take this mail the last mile.</p> <p>This would be much more expensive per item for Australia Post. But if the market continued to decrease in volume, it would minimise total costs.</p> <p>It would also allow the government to provide a targeted subsidy if required.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/244503/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/paul-alexander-1126222">Paul Alexander</a>, Adjunct Associate Professor of Supply Chain Management, <a href="https://theconversation.com/institutions/curtin-university-873">Curtin University</a></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/australia-post-wants-to-charge-more-for-stamps-next-year-heres-why-it-has-to-keep-letters-alive-244503">original article</a>.</em></p> </div>

Money & Banking

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Track your spending, use cash and DIY gifts: how to keep your costs down this Christmas

<div class="theconversation-article-body"> <p><em><a href="https://theconversation.com/profiles/angelique-nadia-sweetman-mcinnes-1361909">Angelique Nadia Sweetman McInnes</a>, <a href="https://theconversation.com/institutions/cquniversity-australia-2140">CQUniversity Australia</a></em></p> <p>Australians are expected to spend more this Christmas than last, with spending projected to rise to <a href="https://www.shopassociation.org.au/sites/default/files/uploaded-content/field_f_content_file/2024-australian-christmas-shopping-intentions-research-report-cpmaustralia-retailsafari-1.pdf">A$69.7 billion</a>. This is a 2.7% increase on what we spent last year on gifts, food and other treats for ourselves and others.</p> <p>This is a lot at a time when many people are experiencing mortgage stress and high inflation. But by employing smart budgeting and spending strategies we can enjoy a festive Christmas season without huge financial stress.</p> <h2>Know how much you are spending</h2> <p>Being aware of what you are spending is important. So you don’t spend beyond your means, you need to decide what you are going to buy and track what you spend.</p> <p>Using budgeting tools in your banking app will help you monitor your spending. Your bank’s app or a <a href="https://www.savings.com.au/savings-accounts/budgeting-and-saving-apps">variety of budgeting apps</a>, can also help you find deals and stick to your financial goals.</p> <p><a href="https://doi.org/10.1093/jcr/ucac024">Research</a> shows spending decreases when you use an online budgeting app by 15%.</p> <p>Christmas budgeting means setting clear limits, like a gift allowance for each person of, for example, under $10, $25, $50 or $100. This helps us stay on track. Before shopping, we should also ask ourselves: “Is this worth buying?” or “Do I really need this?”.</p> <h2>How to bag a bargain</h2> <p>About <a href="https://www.shopassociation.org.au/sites/default/files/uploaded-content/field_f_content_file/2024-australian-christmas-shopping-intentions-research-report-cpmaustralia-retailsafari-1.pdf">63% of Australian consumers</a> say they start their shopping in November, before the last-minute push to fill the Christmas stockings. This enables them to take advantage of the Black Friday sales on now and Cyber Monday, next Monday.</p> <p>Online research can uncover decent bargains to lower Christmas spending. Or you could wait until the Boxing Day sales to buy discounted gifts for people you don’t see until after December 25.</p> <p>The post-Christmas sales are also good for stocking up on heavily discounted crackers and decorations for next year.</p> <p><a href="https://www.shopassociation.org.au/sites/default/files/uploaded-content/field_f_content_file/2024-australian-christmas-shopping-intentions-research-report-cpmaustralia-retailsafari-1.pdf">Most Australian shoppers</a> (89%) are combining online (websites, mobile apps, social media) with physical in-store shopping. <a href="https://www.shopassociation.org.au/sites/default/files/uploaded-content/field_f_content_file/2024-australian-christmas-shopping-intentions-research-report-cpmaustralia-retailsafari-1.pdf">Major online retailers</a> such as Amazon, eBay, and The Iconic (69%) are now more popular than department stores (59%).</p> <p>There are also thrift and discount stores which offer affordable gifts while using their income to help those in need.</p> <p>By using the internet to compare prices and set price alerts for goods you want to buy, you are more likely to get the best deals. Take time to search for store discounts. Using loyalty programs, coupons, promo codes, and free shipping also helps keep money in your pocket.</p> <h2>Why cash at Christmas is better</h2> <p>The <a href="https://ministers.treasury.gov.au/ministers/jim-chalmers-2022/media-releases/ensuring-future-cash-and-next-steps-phasing-out-cheques#:%7E:text=The%20Government%20will%20mandate%20that,will%20not%20be%20left%20behind.">federal government’s decision</a> last week to require businesses to accept cash, not just credit or debit cards, also has benefits for saving. Cash purchases encourage you to spend wisely, set your <a href="https://resources.depaul.edu/financial-fitness/tackle-overspending/Pages/solutions-for-overspending.aspx">spending limit, and prevent you from overspending, or paying interest and fees on cards</a>.</p> <p>There is also the old “<a href="https://www.ramseysolutions.com/budgeting/envelope-system-explained">cash envelope system</a>” used for centuries and popularised in the 1990s to help curb spending. This sees cash divided into envelopes, each labelled for a specific expense (for example, gifts for A, B, C). Once the money in the envelope is gone, nothing more can be spent.</p> <p>One way to help boost your Christmas budget; while simultaneously decluttering, your home is to sell items you no longer use. There are numerous online sites and bricks and mortar stores where this can be done.</p> <h2>Saving money with DIY</h2> <p>In 2024, Australians will spend an average of <a href="https://www.shopassociation.org.au/sites/default/files/uploaded-content/field_f_content_file/2024-australian-christmas-shopping-intentions-research-report-cpmaustralia-retailsafari-1.pdf">$660 per shopper on gifts</a>, with popular choices including clothing and shoes, books, and gift cards.</p> <p>However, it’s not necessary to buy all your gifts or Christmas decorations. Consider making affordable handmade gifts to add a personal touch. There are demonstration videos online showing you how to re-purpose old items, bake homemade festive treats, create a special moments photo album or scrapbook.</p> <p>Mix Epsom salts, essential oils and dried flowers to create relaxing bath salts or scrubs. Use natural pine cones or salt dough to make ornaments. Make wreaths using pine branches, holly or dried oranges. Sew fabric garlands to place on the tree, fireplace or mantle.</p> <p>Instead of buying multiple extravagant presents for each person, try doing a Secret Santa. This is the low-cost tradition where everyone buys only one gift for one recipient who is chosen using an online tool. Gifts are then given anonymously.</p> <h2>Festive food</h2> <p>Festive food spending is projected to be <a href="https://www.roymorgan.com/findings/9736-ara-roy-morgan-media-release-christmas-spending-2024">$28 billion, up 4.2%</a>, this year, contributing to the overall increase in expected total Christmas spending.</p> <p>To save on food expenses, asks guests to bring a dish to share. Or celebrate Christmas with an economical picnic or BBQ, weather permitting.</p> <p>Get creative with food leftovers to make meals and reduce the amount of food waste, while stretching your wallet further once Christmas has come and gone.</p> <h2>Managing costs, avoiding debt</h2> <p>Sticking to your Christmas budget can feel rewarding. If you do overspend, reflect on why, and adjust your plan. If needed, explore debt options, like credit cards or personal loans, but only as a last resort.</p> <p>Thoughtful planning will help you manage your costs, while enjoying the festive season. After all, the true spirit of Christmas is about creating memories and enjoying time with loved ones, not about overspending.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/244300/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/angelique-nadia-sweetman-mcinnes-1361909">Angelique Nadia Sweetman McInnes</a>, Academic in Financial Planning, <a href="https://theconversation.com/institutions/cquniversity-australia-2140">CQUniversity Australia</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/track-your-spending-use-cash-and-diy-gifts-how-to-keep-your-costs-down-this-christmas-244300">original article</a>.</em></p> </div>

Money & Banking

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

<div class="theconversation-article-body"> <p><em><a href="https://theconversation.com/profiles/steve-worthington-138">Steve Worthington</a>, <a href="https://theconversation.com/institutions/swinburne-university-of-technology-767">Swinburne University of Technology</a></em></p> <p>Cash usage has <a href="https://www.rba.gov.au/publications/bulletin/2023/jun/cash-use-and-attitudes-in-australia.html">fallen off a cliff</a> in Australia, but the federal government says it must have a future. So, it’s going to mandate one.</p> <p>The Australian government will require businesses to accept cash for essentials such as groceries and fuel. Some (yet to be determined) small businesses will be exempt.</p> <p>According to <a href="https://ministers.treasury.gov.au/ministers/stephen-jones-2022/media-releases/ensuring-future-cash-and-next-steps-phasing-out-cheques">Treasury</a>, losing cash as a means of payment would leave too many people behind:</p> <blockquote> <p>Around 1.5 million Australians use cash to make more than 80% of their in‑person payments. Cash also provides an easily accessible back‑up to digital payments in times of natural disaster or digital outage.</p> </blockquote> <p>In its announcement on Monday, Treasury pointed to what had already been achieved with similar schemes in other countries such as Spain and Norway, and a range of US states.</p> <p>It’s an honourable cause. There are, however, some aspects of life in Australia that will present unique challenges for achieving it.</p> <h2>Why does using cash cost so much?</h2> <p>Some merchants in Australia already refuse to accept cash as a means of payment. That means relying entirely on digital payment methods such as bank cards and mobile wallets.</p> <p>It mightn’t be immediately obvious why some businesses don’t like cash. But for many, it’s the most costly payment method to accept. While cash transactions don’t come with a surcharge fee like bank cards, they do carry a wide range of other hidden costs.</p> <p>Businesses typically need to keep a “float” of cash in their tills overnight, so that next day’s early customers can be given change if needed. This float needs to be regularly updated and rebalanced with appropriate currency so the correct change can always be given.</p> <p>Businesses also have to make sure no cash goes missing during their opening hours, count their cash take at the end of each day, make sure it is secure on their premises, and make periodic physical deposits into their bank account.</p> <p>Both maintaining a float and making deposits can involve unpredictable trips to a bank branch or post office throughout the week.</p> <h2>Things are getting harder</h2> <p>For individuals and businesses, getting cash into and out of a bank account is becoming more of a challenge. And if you’re in regional or remote Australia, the nearest location where you can do so may be an hours-long drive away.</p> <p>The most recent <a href="https://www.apra.gov.au/authorised-deposit-taking-institutions-points-of-presence-statistics">figures</a> from the Australian Prudential Regulation Authority (APRA) show that across Australia since 2017, the number of ATMs has fallen by about 60% and the number of bank branches by 41%.</p> <p>Many remaining bank branches have reduced their hours, and some have even stopped dealing in cash entirely, especially in rural and regional areas.</p> <p>Moving cash around the country isn’t getting any easier or cheaper.</p> <p>The dominant provider of cash-in-transit services, Armaguard, has been under <a href="https://theconversation.com/future-of-cash-secured-for-now-as-banks-and-retailers-bail-out-armaguard-233087">sustained financial pressure</a> in recent years.</p> <p>Earlier this year, it secured a deal with Australia’s big four banks and some of its other major customers to receive a $50 million bailout.</p> <p>Some countries facing similar situations – <a href="https://www.link.co.uk/helping-you-access-cash/banking-hubs">including the UK</a> – have persuaded their banks to fund the idea of “banking hubs”.</p> <p>Typically under this model, a location is identified in a regional community and banks collectively share the space, with each bank having one day a week in residence so that nobody is excluded from these services.</p> <h2>Could a regional branch levy help?</h2> <p>Also this month, Treasury proposed a <a href="https://www.afr.com/politics/federal/banks-face-new-levy-to-keep-rural-branches-open-20241115-p5kqwu">new regional services levy</a>, to support what should be the minimum level of banking services in regional areas.</p> <p>Banks with a relatively large regional presence would be cross subsidised by a proportional levy on banks with relatively fewer services in these areas or none at all.</p> <p>This funding would help banks sustain the number of branches, their opening hours and their ATMs. Under the proposal, banks that fell short of baseline requirements could purchase credits from others that did.</p> <p>The reasoning behind these measures is that like <a href="https://www.transparency.gov.au/publications/communications-and-the-arts/australian-postal-corporation/australia-post-annual-report-2022-23/other-important-information/community-service-obligations">Australia Post</a>, banks should have a formal community service obligation. That is, a baseline of minimum services that must be provided.</p> <h2>Questions still to answer</h2> <p>In its <a href="https://ministers.treasury.gov.au/ministers/jim-chalmers-2022/media-releases/ensuring-future-cash-and-next-steps-phasing-out-cheques">media release</a>, Treasury only gave a big picture view of what they wanted to achieve. There are still many questions that need to be resolved before any of its plans can become legislation.</p> <p>Some concern where and how to target support. If regionally focused, how should regional be defined? Which areas and towns prioritised?</p> <p>How should the banks and other financial services providers be required to help support cash use?</p> <p>Exactly which businesses will be affected – and which exempt – must also be clearly defined, along with any enforcement measures.</p> <p>And there is likely to be robust debate over what exactly constitutes the “essentials” for which merchants will be mandated to accept cash payment.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/243919/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><a href="https://theconversation.com/profiles/steve-worthington-138"><em>Steve Worthington</em></a><em>, Adjunct Professor, <a href="https://theconversation.com/institutions/swinburne-university-of-technology-767">Swinburne University of Technology</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/the-government-wants-to-keep-cash-alive-for-buying-essentials-heres-why-its-such-a-challenge-for-businesses-243919">original article</a>.</em></p> </div>

Money & Banking

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How to keep doing good once you’re gone

<p>Most of us like to think that once we are no longer walking the Earth, we can still leave a legacy to mark our time here and contribute positively to those left behind.</p> <p>Doing so is not only possible but, as you’ll see below, fairly straightforward – providing you do some basic preparation beforehand.</p> <p>Seek the help of professional advice to ensure your plans can be enacted in full and deliver the best possible outcomes for everyone involved.</p> <p><strong>Have your affairs in order</strong></p> <p>Make things simpler for your grieving loved ones by having your wishes clearly outlined in writing, with specific instructions that leave no room for misinterpretation. Doing so makes your wishes easier to implement, faster to enact and reduces fights among your beneficiaries.</p> <p>Keep your will and other affairs updated as circumstances change too, so that everyone you want is included (such as kids and grandkids) and those you don’t, aren’t given an unexpected windfall (such as your ex or an adult child’s ex).</p> <p><strong>Provide for everyone</strong></p> <p>Providing for everyone is not necessarily straight forward, especially if you have a blended family. </p> <p>For instance, leaving your share of your home to your children from a previous relationship could lead to disagreements if your partner doesn’t want to leave.</p> <p>Instead, think about how your assets can be divided fairly without disadvantaging anyone. Children could be nominated beneficiaries of your superannuation and/or life insurance, leaving your home for your partner. </p> <p><strong>Keep wealth flowing</strong></p> <p>Certain structures can allow you to keep giving to your descendants long after you’re gone – offsetting their income and providing far greater wealth over time than any lump sum could achieve.</p> <p>A family or testamentary trust allows ongoing wealth creation through shared assets, with regular dividends paid out, creating a family legacy that can last for generations. Or a family company can allow a commercial entity to continue trading and growing as an asset.</p> <p><strong>Manage tax impacts</strong></p> <p>Implement tax-effective strategies that maximise how much your beneficiaries actually receive and minimise what the tax man pockets. </p> <p>While there isn’t an inheritance tax per se, beneficiaries can be hit with Capital Gains Tax (CGT) on asset sales plus transfer costs to put an asset into their own name – not to mention the ongoing maintenance and compliance costs of asset ownership.</p> <p>In some instances, your loved ones may benefit more if you sell assets now and leave them the proceeds, rather than leave them the asset – and its associated tax bill – once you’re gone.</p> <p><strong>Ensure loved ones are home and housed</strong></p> <p>Property is perhaps the biggest of all sources of wealth, yet it is increasingly difficult for younger people and singles to get (and stay) on the property ladder.</p> <p>Ensure everyone can reap the benefits of property ownership over their own lifetime, either by transferring ownership of properties in your name or contributing chunks of cash towards a deposit. </p> <p>However, it’s important to do so sustainably – gifting grandkids a large property they can’t afford to maintain isn’t going to work.</p> <p><strong>Charitable donations</strong></p> <p>Many people like to support charities and social causes once they are gone. Consider the end user here and what they stand to benefit from your donation – whether it be people, planet or both.</p> <p>It could be leaving a lump sum on your death, or regular ongoing donations from your estate. You may wish to do so anonymously, or include a message with your donation outlining your reasons why that particular charity/cause is important to you and what you hope the money will go towards.</p> <p>Donations may not necessarily be financial either – perhaps you have a valuable historic artefact that others could enjoy if donated to a museum? </p> <p><strong>Organ donation</strong></p> <p>The greatest gift of all is not money but life itself. So, consider whether organ donation is something you wish to do.</p> <p>While not suitable for everyone, and dependent on a range of factors including your age, health and religious beliefs, a single organ donor can save up to seven lives, as well as improve the quality of life of numerous others through eye and tissue donation.</p> <p>That is a lot of life you can give to others – and all without costing your own loved ones a cent!</p> <p><em><strong>Helen Baker is a licensed Australian financial adviser and author of On Your Own Two Feet: The Essential Guide to Financial Independence for all Women. Helen is among the 1% of financial planners who hold a master’s degree in the field. Proceeds from book sales are donated to charities supporting disadvantaged women and children. Find out more at <a href="http://www.onyourowntwofeet.com.au/">www.onyourowntwofeet.com.au</a></strong></em></p> <p><em><strong>Disclaimer: The information in this article is of a general nature only and does not constitute personal financial or product advice. Any opinions or views expressed are those of the authors and do not represent those of people, institutions or organisations the owner may be associated with in a professional or personal capacity unless explicitly stated. Helen Baker is an authorised representative of BPW Partners Pty Ltd AFSL 548754.</strong></em></p> <p><em><strong>Image credits: Shutterstock </strong></em></p> <p><strong><em> </em></strong></p>

Retirement Income

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The power of nostalgia: why it’s healthy for you to keep returning to your favourite TV series

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/anjum-naweed-1644852">Anjum Naweed</a>, <a href="https://theconversation.com/institutions/cquniversity-australia-2140">CQUniversity Australia</a></em></p> <p>How often do you find yourself hitting “play” on an old favourite, reliving the same TV episodes you’ve seen before – or even know by heart?</p> <p>I’m a chronic re-watcher. Episodes of sitcoms like Blackadder (1983–89), Brooklyn Nine-Nine (2013–21), Doc Martin (2004–22) and The Office US (2005–13) – a literal lifetime of TV favourites – are usually dependable in times of stress.</p> <p>But recently, ahead of an exceptionally challenging deadline, I found myself switching up my viewing. Instead of the escapist comedy I normally return to, I switched to Breaking Bad (2008–13), a nail-biting thriller with a complex reverse hero narrative – and immediately felt at ease.</p> <p>What do our re-viewing choices tell us about ourselves? And is it OK that we keep returning to old favourites?</p> <h2>Fictional stories, real relationships</h2> <p>Although one-sided, the <a href="https://theconversation.com/neighbours-vs-friends-we-found-out-which-beloved-show-fans-mourned-more-when-it-ended-212843">relationships</a> we form with characters in our favourite TV shows can feel very real. They can increase a sense of belonging, reduce loneliness – and keep pulling us back in.</p> <p>When we rewatch, we feel sadness, wistful joy and longing, all at the same time. We call the sum of these contradictions <a href="https://www.researchgate.net/profile/Ekaterina-Kalinina-2/publication/313531584_What_Do_We_Talk_About_When_We_Talk_About_Media_and_Nostalgia/links/589d9aa592851c599c9bb12c/What-Do-We-Talk-About-When-We-Talk-About-Media-and-Nostalgia.pdf">nostalgia</a>.</p> <p>Originally coined in the 17th century to describe Swiss soldiers impaired by homesickness, psychologists now understand nostalgic reflection as a <a href="https://journals.sagepub.com/doi/abs/10.1037/gpr0000109">shield</a> against anxiety and threat, <a href="https://www.sciencedirect.com/science/article/pii/S2352250X2200269X">promoting</a> a sense of wellbeing.</p> <p>We all rely on fiction to transport us from our own lives and realities. Nostalgia viewing extends the experience, taking us somewhere we already know and love.</p> <h2>Bingeing nostalgia</h2> <p>The COVID-19 pandemic triggered a wave of nostalgia viewing.</p> <p>In the United States, audience analyst <a href="https://variety.com/2024/tv/news/nielsen-2023-streaming-report-suits-the-office-record-1235890306/">Nielsen</a> found the most streamed show of 2020 was the American version of The Office, seven years after it ended its television run. A <a href="https://www.radiotimes.com/tv/drama/watching-tv-and-movies-favourite-lockdown-exclusive/">Radio Times survey</a> found 64% of respondents said they had rewatched a TV series during lockdown, with 43% watching nostalgic shows.</p> <p>We were suddenly thrown into an unfamiliar situation and in a perpetual state of unease. We had more time on our hands, but also wanted to <a href="https://www.tandfonline.com/doi/abs/10.1080/00221309.2020.1867494">feel safe</a>. Tuning into familiar content on television offered an <a href="https://theconversation.com/how-coronavirus-might-have-changed-tv-viewing-habits-for-good-new-research-146040">escape</a> – a sanctuary from the realities of futures unknown.</p> <figure><iframe src="https://www.youtube.com/embed/g4IQjUpTNVU?wmode=transparent&amp;start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe></figure> <p>Revisiting connections with TV characters gave us a sense of control. We knew what lay in their futures, and the calm and <a href="https://www.news24.com/life/wellness/body/condition-centres/depression/anxiety-disorders/the-psychology-behind-why-you-like-to-rewatch-your-favourite-movie-or-series-during-the-pandemic-20200814-2">predictability</a> of their arcs balanced the uncertainty in ours.</p> <h2>Nostalgia as a plot point</h2> <p>Nostalgia has been in the DNA of television since some of the earliest programming decisions.</p> <p>Every December, broadcasters scramble to screen one of the many versions of A Christmas Carol, Charles Dickens’ much-retold and family-friendly ghost story, which also features nostalgia as a plot device.</p> <p>First screened on live TV in New York City <a href="https://en.wikipedia.org/wiki/Adaptations_of_A_Christmas_Carol">in 1944</a>, on the still-new technology, the broadcast continued a 100-year-old tradition of the classic appearing on stage and cinema screens.</p> <figure><iframe src="https://www.youtube.com/embed/pNo-Q0IDJi0?wmode=transparent&amp;start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe></figure> <p>Settling in around the telly for A Christmas Carol connects us to the holiday period and a heartwarming metamorphosis. Ebeneezer Scrooge revisits long-lost versions of himself and turns from villain to hero and our old friend in a single night.</p> <p>For viewers, revisiting this character at the same time every year can also reconnect us with our past selves and create a predictable pattern, even in the frenzy of the silly season.</p> <h2>Real-world (re)connection</h2> <p>The neuroscience of nostalgic experiences is clear. Nostalgia arises when current sensory data – like what you watch on TV – matches past emotions and experiences.</p> <p>It triggers a release of dopamine, a <a href="https://academic.oup.com/scan/article/17/12/1131/6585517">reward-system</a> neurotransmitter involved in emotion and motivation. Encountering nostalgia is like autoloading and hitting play on <a href="https://nwnoggin.org/2023/03/30/the-neuroscience-of-nostalgia/">past positive experiences</a>, elevating desire and regulating mood.</p> <p>So, nostalgia draws on experiences encoded in memory. The TV shows we choose to rewatch reflect our values, our tastes, and the phases of life we have gone through.</p> <p>Perhaps this is a reason why reboots of our favourite shows sometimes fall flat, and ultimately set fans up for disappointment.</p> <p>I still remember the crushing disillusion I felt while watching the reboot of Knight Rider (2008–09). I immediately turned to social media to find a community around my nostalgic setback</p> <h2>Stronger through stress</h2> <p>Going back to my challenging deadline, what was it about the nostalgic experience of watching Breaking Bad that made it different?</p> <p>Breaking Bad evokes a particular phase in my life. I binged the first three seasons when writing up my PhD thesis. Walter White’s rise and fall journey towards redemption is enmeshed in the nostalgia of a difficult time I made it through.</p> <figure><iframe src="https://www.youtube.com/embed/HhesaQXLuRY?wmode=transparent&amp;start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe></figure> <p>The predictability of Walter White’s arc on second viewing was an unlikely haven. It’s escalating high-stakes drama mirrored my rising stress, while connecting me to who I was when I first enjoyed the show.</p> <p>The result? “Dread mode” switched off – even as my anti-heroes marched again to their dire cinematic comeuppance. Reality, past and present, could be worse.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/237753/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/anjum-naweed-1644852">Anjum Naweed</a>, Professor of Human Factors, <a href="https://theconversation.com/institutions/cquniversity-australia-2140">CQUniversity Australia</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/the-power-of-nostalgia-why-its-healthy-for-you-to-keep-returning-to-your-favourite-tv-series-237753">original article</a>.</em></p> </div>

TV

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‘I keep away from people’ – combined vision and hearing loss is isolating more and more older Australians

<p><em><a href="https://theconversation.com/profiles/moira-dunsmore-295190">Moira Dunsmore</a>, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a>; <a href="https://theconversation.com/profiles/annmaree-watharow-1540942">Annmaree Watharow</a>, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a>, and <a href="https://theconversation.com/profiles/emily-kecman-429210">Emily Kecman</a>, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a></em></p> <p>Our <a href="https://www.who.int/news-room/fact-sheets/detail/ageing-and-health">ageing population</a> brings a growing crisis: people over 65 are at greater risk of dual sensory impairment (also known as “deafblindness” or combined vision and hearing loss).</p> <p>Some 66% of people over 60 have hearing loss and 33% of older Australians have low vision. Estimates suggest more than a quarter of Australians over 80 are <a href="https://www.senseswa.com.au/wp-content/uploads/2016/01/a-clear-view---senses-australia.pdf">living with dual sensory impairment</a>.</p> <p>Combined vision and hearing loss <a href="https://doi.org/10.1177/0264619613490519">describes</a> any degree of sight and hearing loss, so neither sense can compensate for the other. Dual sensory impairment can occur at any point in life but is <a href="https://doi.org/10.1016/j.annepidem.2012.02.004">increasingly common</a> as people get older.</p> <p>The experience can make older people feel isolated and unable to participate in important conversations, including about their health.</p> <h2>Causes and conditions</h2> <p>Conditions related to hearing and vision impairment often <a href="https://theconversation.com/why-we-lose-our-hearing-and-vision-as-we-age-67930">increase as we age</a> – but many of these changes are subtle.</p> <p>Hearing loss can start <a href="https://www.who.int/teams/noncommunicable-diseases/sensory-functions-disability-and-rehabilitation/highlighting-priorities-for-ear-and-hearing-care">as early as our 50s</a> and often accompany other age-related visual changes, such as <a href="https://www.mdfoundation.com.au/">age-related macular degeneration</a>.</p> <p>Other age-related conditions are frequently prioritised by patients, doctors or carers, such as <a href="https://www.aihw.gov.au/reports-data/health-conditions-disability-deaths/chronic-disease/overview">diabetes or heart disease</a>. Vision and hearing changes can be easy to overlook or accept as a normal aspect of ageing. As an older person we interviewed for our <a href="https://hdl.handle.net/2123/29262">research</a> told us</p> <blockquote> <p>I don’t see too good or hear too well. It’s just part of old age.</p> </blockquote> <h2>An invisible disability</h2> <p>Dual sensory impairment has a significant and negative impact in all aspects of a person’s life. It reduces access to information, mobility and orientation, impacts <a href="https://doi.org/10.1080/09638280210129162">social activities and communication</a>, making it difficult for older adults to manage.</p> <p>It is underdiagnosed, underrecognised and sometimes misattributed (for example, to <a href="https://doi.org/10.1093/geronb/gbz043">cognitive impairment or decline</a>). However, there is also growing evidence of links between <a href="https://doi.org/10.1002/dad2.12054">dementia and dual sensory loss</a>. If left untreated or without appropriate support, dual sensory impairment diminishes the capacity of older people to live independently, <a href="https://doi.org/10.1002/dad2.12054">feel happy and be safe</a>.</p> <p>A dearth of specific resources to educate and support older Australians with their dual sensory impairment means when older people do raise the issue, their GP or health professional may not understand its significance or where to refer them. One older person told us:</p> <blockquote> <p>There’s another thing too about the GP, the sort of mentality ‘well what do you expect? You’re 95.’ Hearing and vision loss in old age is not seen as a disability, it’s seen as something else.</p> </blockquote> <h2>Isolated yet more dependent on others</h2> <p>Global trends show a worrying conundrum. Older people with dual sensory impairment become <a href="https://doi.org/10.1002/dad2.12054">more socially isolated</a>, which impacts their mental health and wellbeing. At the same time they can become increasingly dependent on other people to help them navigate and manage day-to-day activities with limited sight and hearing.</p> <p>One aspect of this is how effectively they can <a href="https://doi.org/10.1001/jamanetworkopen.2020.25522">comprehend and communicate in a health-care setting</a>. Recent research shows <a href="http://dx.doi.org/10.3390/healthcare12080852">doctors and nurses in hospitals</a> aren’t making themselves understood to most of their patients with dual sensory impairment. Good communication in the health context is about more than just “knowing what is going on”, <a href="https://www.mdpi.com/2227-9032/12/8/852">researchers note</a>. It facilitates:</p> <ul> <li>shorter hospital stays</li> <li>fewer re-admissions</li> <li>reduced emergency room visits</li> <li>better treatment adherence and medical follow up</li> <li>less unnecessary diagnostic testing</li> <li>improved health-care outcomes.</li> </ul> <h2>‘Too hard’</h2> <p>Globally, there is a better understanding of how important it is to <a href="https://www.who.int/publications/i/item/9789240030749">maintain active social lives</a> as people age. But this is difficult for older adults with dual sensory loss. One person told us</p> <blockquote> <p>I don’t particularly want to mix with people. Too hard, because they can’t understand. I can no longer now walk into that room, see nothing, find my seat and not recognise [or hear] people.</p> </blockquote> <p>Again, these experiences increase reliance on family. But caring in this context is tough and largely <a href="https://doi.org/10.3389/feduc.2020.572201">hidden</a>. Family members describe being the “eyes and ears” for their loved one. It’s a 24/7 role which can bring <a href="https://doi.org/10.1159/000507856">frustration, social isolation and depression</a> for carers too. One spouse told us:</p> <blockquote> <p>He doesn’t talk anymore much, because he doesn’t know whether [people are] talking to him, unless they use his name, he’s unaware they’re speaking to him, so he might ignore people and so on. And in the end, I noticed people weren’t even bothering him to talk, so now I refuse to go. Because I don’t think it’s fair.</p> </blockquote> <p>So, what can we do?</p> <p>Dual sensory impairment is a growing problem with potentially devastating impacts.</p> <p>It should be considered a unique and distinct disability in all relevant protections and policies. This includes the right to dedicated diagnosis and support, accessibility provisions and specialised skill development for health and social professionals and carers.</p> <p>We need to develop resources to help people with dual sensory impairment and their families and carers understand the condition, what it means and how everyone can be supported. This could include communication adaptation, such as social haptics (communicating using touch) and specialised support for older adults to <a href="https://www.tandfonline.com/doi/full/10.1080/09649069.2019.1627088">navigate health care</a>.</p> <p>Increasing awareness and understanding of dual sensory impairment will also help those impacted with everyday engagement with the world around them – rather than the isolation many feel now.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/232142/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/moira-dunsmore-295190">Moira Dunsmore</a>, Senior Lecturer, Sydney Nursing School, Faculty of Medicine and Health, University of Sydney, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a>; <a href="https://theconversation.com/profiles/annmaree-watharow-1540942">Annmaree Watharow</a>, Lived Experience Research Fellow, Centre for Disability Research and Policy, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a>, and <a href="https://theconversation.com/profiles/emily-kecman-429210">Emily Kecman</a>, Postdoctoral research fellow, Department of Linguistics, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/i-keep-away-from-people-combined-vision-and-hearing-loss-is-isolating-more-and-more-older-australians-232142">original article</a>.</em></p>

Body

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To-do list got you down? Understanding the psychology of goals can help tick things off – and keep you on track

<div class="theconversation-article-body"> <p><em><a href="https://theconversation.com/profiles/kim-m-caudwell-1258935">Kim M Caudwell</a>, <a href="https://theconversation.com/institutions/charles-darwin-university-1066">Charles Darwin University</a></em></p> <p>It feels like we are living in busy times.</p> <p>According to the <a href="https://www.oecdbetterlifeindex.org/topics/work-life-balance/">OECD Better Life Index</a>, 12.5% of Australians report working at least 50 hours a week, higher than the OECD average. Many Australians are also <a href="https://www.abc.net.au/news/2023-08-03/multiple-job-holders-hit-record-high-abs/102679190">working more than one job to buffer against cost-of-living pressures</a>.</p> <p>Psychology has long been interested in our goals – our mental representations of desirable outcomes. Much of this research is on how we form, pursue and attain goals, plus how goals make us feel. Across studies, we see a consistent pattern of <a href="https://link.springer.com/article/10.1007/s10902-013-9493-0#Sec34">successful goal pursuit and wellbeing</a>. So, having time to work toward our goals is important.</p> <p>With this in mind, what is the best way to get things done – and how can we get better at achieving our goals, especially when we feel time poor?</p> <h2>Make a list</h2> <p>Most of us approach multiple goals with the age-old “to-do” list. First, you write down everything you need to do. Then you “check” or tick things off as you do them.</p> <p>One reason to-do lists are useful is because we are more likely to remember things we haven’t completed, rather than things we have. This is known as the <a href="https://www.youtube.com/watch?v=E-F1U4bV2m8">Zeigarnik effect</a>.</p> <p>While to-do lists are easy to write, they don’t always work. There are however <a href="https://hbr.org/2021/01/i-tried-4-to-do-list-methods-heres-what-worked">various approaches for to-do lists</a> that may improve their effectiveness.</p> <p>Another thing to consider is the wide range of apps, tools and platforms that can make tasks more fun and outsource mental load. Adding elements of game play like point scoring or competition – called “<a href="https://theconversation.com/how-gamification-could-revolutionise-creative-thinking-in-the-workplace-122852">gamification</a>” – can <a href="https://www.sciencedirect.com/science/article/pii/S0747563221002867">help people work toward goals in educational and work settings</a>. Similarly, app-based reminders can help people reach <a href="https://doi.org/10.1177/2047487320905717">physical rehabilitation goals and form good exercise habits</a>.</p> <h2>Finding your why</h2> <p>Researchers have focused a lot on the psychology of <em>why</em> people pursue goals – and how this affects their approach to tasks.</p> <p>For example, some people want to complete a university degree because they want to get a job. Others may be more interested in developing skills or knowledge. In both cases, there is a desired outcome – albeit with differing reasons.</p> <p>Our goals can be differentiated by who or what is driving them. Goals that feel like our own, and for which we experience a sense of intrinsic motivation, are known as “self-concordant”. These goals represent enduring personal interests, are aligned with values and are positively <a href="https://link.springer.com/article/10.1007/s12144-020-01156-7">linked to wellbeing</a>.</p> <p><a href="https://link.springer.com/article/10.1007/s10648-006-9012-5">Goal orientation theory</a> offers a similar perspective. Using the same example, you may study so you score well on a test (a performance goal) or because you want to be sure you develop your knowledge (a mastery goal). Mastery goals tend to lead to <a href="https://link.springer.com/article/10.1007/s10869-010-9201-6">better results and self-regulation</a>.</p> <h2>Juggling goals – 4 to-do tips</h2> <p>So, what happens when we have multiple – perhaps even competing – goals, or goals that aren’t so enjoyable? We might want to finish writing a report or assignment, then read a few chapters of a textbook – but also go to the gym and binge a few episodes of our favourite TV show.</p> <p>In such scenarios, psychological science offers some insights into how we might stay task-focused, and on track to tick more items off our to-do list.</p> <p><strong>1. Beware the <a href="https://www.pwc.pl/en/articles/planning-fallacy-part-I-cognitive-traps.html">planning fallacy</a>.</strong> This happens when we underestimate the amount of resources (such as time) it will take to reach a goal. As writer and religious thinker William Penn put it: “Time is what we want most, but what we use worst”. Think through the all the steps and time required to complete your goal.</p> <p><strong>2. Monitor your progress.</strong> <a href="https://eprints.whiterose.ac.uk/91437/8/3_PDFsam_Does%20monitoring%20goal.pdf">Incorporating goal monitoring</a> into an activity can boost progress. And reviewing your estimations and expectations against your actual times and achievements can be used to calculate a “<a href="https://www.indeed.com/career-advice/career-development/estimating-time-for-tasks">fudge ratio</a>” to aid future planning. For instance, you could multiply your expected time on tasks by 1.5 to help buffer against the planning fallacy.</p> <p><strong>3. Focus on mastery.</strong> Self-concordant goals and tasks feel easier, and their underlying tasks may be <a href="https://journals.sagepub.com/doi/full/10.1177/0146167215575730">less subject to forgetting</a>. Tedious but necessary goals (such as doing the dishes or filling out forms) are less intrinsically motivating. This means <a href="https://www.emerald.com/insight/content/doi/10.1108/EBHRM-04-2014-0013/full/html#idm45933122746592">planning, reminders and support become more important to goal progress</a>.</p> <p><strong>4. Plan for derailments.</strong> People vary in their ability to plan and might forget to take a goal-directed action at an appropriate time (this could be one reason the <a href="https://www.sbs.com.au/news/article/the-streaming-services-winning-the-battle-for-attention-and-the-feature-australians-want/9crrpafgd">average Australian streams 27 hours of video each week</a>). <a href="https://www.tandfonline.com/doi/full/10.1080/10463283.2024.2334563">Implementation intentions</a> bring our attention back toward our goals by linking them to an environmental marker. These simple “if-then” plans are shown to <a href="https://cancercontrol.cancer.gov/brp/research/constructs/implementation-intentions#:%7E:text=Implementation%20intentions%20are%20formed%20for,might%20otherwise%20undermine%20goal%20striving.">help overcome issues with self-regulation</a>. Such a statement might be “if I see the ‘next episode’ icon appear, I will get up and turn off the TV so I can read a chapter of my textbook”.</p> <p>With time being frustratingly finite, it is inevitable we will run out of time to do all of the things on our to-do list. Finding an approach that works for us will take time and effort. But it’s probably a worthy goal in itself.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/230399/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/kim-m-caudwell-1258935">Kim M Caudwell</a>, Senior Lecturer - Psychology | Chair, Researchers in Behavioural Addictions, Alcohol and Drugs (BAAD), <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/to-do-list-got-you-down-understanding-the-psychology-of-goals-can-help-tick-things-off-and-keep-you-on-track-230399">original article</a>.</em></p> </div>

Mind

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Why your health issues keep flaring up – and how to switch them off

<p><em>Author, </em><em>accredited Clinical Nutritionist, Functional Medicine Practitioner, Coach, Trauma Therapist &amp; PhD Scholar </em><em style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;">Filipa Bellette shows us how you can tap into your body's ancient wisdom and finally find relief from chronic health issues by learning to deeply listen, connect, and trust yourself.</em></p> <p>Have you been struggling with chronic health issues for years, maybe even decades? Things like fatigue, anxiety, gut issues, food sensitivities, body pain, headaches, menopausal symptoms (if you’re a woman)? You’ve probably tried everything under the sun - GP visits, lab tests, naturopaths, supplements, diets, even yoga and breath-work - but still those annoying symptoms keep coming back. Sound familiar?</p> <p><strong>My Chronic Health Story</strong></p> <p>I was there once too. I have experienced chronic “weird” health issues three times. I struggled with a mix of anxiety, insomnia, gut issues, low immunity, body pain, female hormone issues, low energy, chemical sensitivity and histamine intolerance.</p> <p>The first time was after my first baby and I resolved some of the issues with lifestyle changes - sleep, movement, wholefoods and low-tox living. It was GREAT, until baby number two came along, and all my symptoms flared back up, even though my lifestyle was dialled in. This is when I came across functional medicine, and I <a href="https://www.chrisandfilly.fm/" target="_blank" rel="noopener">became a practitioner</a> and started lab testing my own body systems and therapeutically supporting imbalances in my body with natural medicine supplements.</p> <p>This worked amazing, and I got on top of my symptoms. Until … COVID came along, and I was under a lot of stress, and all the same issues flared up again! I realised I still hadn’t addressed the deepest root-cause of my health issues, and that was the “baggage” stuck in my unconscious mind (dysfunctional unconscious core beliefs, deep-seated perfectionism, people pleasing and addictive-doing patterns, and unprocessed past distressing events), that were dysregulating my nervous system.</p> <p><strong>The Missing Piece In Healthcare</strong></p> <p>What I’ve found in the health industry as a whole, is that we have lost the ability to communicate with our bodies. You go to a GP or medical specialist and they are the expert dictating what tests to do, and what medications you need to be on. I even see this in natural medicine modalities, like <a href="https://www.chrisandfilly.fm/" target="_blank" rel="noopener">functional medicine (which I practice)</a>, where the practitioner runs some labs and creates a protocol for the patient. This is great for therapeutic support, and something I do with clients, however, it is still promoting the message that “others know best.”</p> <p>This is simply not true.</p> <p><strong>You Are The Expert of Your Body</strong></p> <p>I wholeheartedly believe that 95% of what you need to heal is already inside of you. Our bodies hold ancient wisdom, and you know inherently what is good for you, and what isn’t. The thing is, society as a whole has lost the ability to listen to and communicate with our bodies.</p> <p>I’m here to change that! In our practice we work with clients to rebuild trust with self, to learn how THEIR body communicates to THEM, and to act on the messages.</p> <p>When you act, magic happens! I have literally seen symptoms “switch off” in the moment when clients listen to their bodies and act accordingly. For example, I spoke at a business women’s conference on the Gold Coast on the weekend, and took attendees through a process to communicate with their unconscious mind through the symptoms in their bodies. One lady stood up at the end and said her chronic headache that had been hanging around for days completely disappeared (she’d even taken 4 pain-killers that morning, which didn’t budge the headache!).</p> <p>Oh my gosh, how cool! I see this again and again for myself and with our clients, how quickly chronic health issues can be resolved when you deeply listen, connect, trust and love yourself.</p> <p>I’ve seen:</p> <ul> <li>Chronic fatigue disappear over months</li> <li>Heartburn clear up in a moment</li> <li>Anxiety ease</li> <li>Chronic pain in the body switch off within days</li> <li>Brain fog lift</li> <li>Food sensitivities dissolve</li> <li>Plus so much more!</li> </ul> <p><strong>It’s Not Woo-Woo – It’s Science</strong></p> <p>If you’re someone who needs the facts, let me tell you this way of holistic healing isn’t just “woo woo” or “magic”. It’s how we’re wired as human beings.</p> <p>For example, let’s look at pain. Pain is not your enemy. As humans we have evolved for safety and survival. Pain is a primitive way our bodies have warned us of danger. You touch fire, you get burned, your brain creates a neural pathway to never touch the fire again because it hurts!</p> <p>The nervous system, too, is so important at sending you messages of safety or danger. It’s always trying to keep us safe and alive. So if it deems something unsafe - this could be your own beliefs about yourself, self-doubt, uncertainty, shame, guilt, frustration, or fears about eating certain foods, smelling perfumes, being around mould, etc – your system gets very good at creating symptoms to alert you of danger, which then leads to chronic health issues.</p> <p>When you can create the space to ask: what is unsafe? What’s the story behind the symptom? And what do you need from me, body, to feel safe and loved and to heal? Then you can finally end your state of dysregulation and body burnout.</p> <p><em>Filipa Bellette, author of Ending Body Burnout ($29.95), is an accredited Clinical Nutritionist, Functional Medicine Practitioner, Coach, Trauma Therapist &amp; PhD Scholar. She is co-founder of multi award-winning health practice Chris &amp; Filly Functional Medicine, best known for ending body burnout (for good!) in “busy” people with energy, mood &amp; gut issues. Find out more at <a href="http://www.chrisandfilly.fm/" target="_blank" rel="noopener">www.chrisandfilly.fm</a>  </em></p> <p><em>Image: Courtesy of </em><em style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;">Filipa Bellette</em></p>

Caring

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How do I keep my fruit, veggies and herbs fresh longer? Are there any ‘hacks’?

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/senaka-ranadheera-199225">Senaka Ranadheera</a>, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a></em></p> <p>We all know <a href="https://theconversation.com/frozen-canned-or-fermented-when-you-cant-shop-often-for-fresh-vegetables-what-are-the-best-alternatives-131678">fresh produce is good for us</a>, but fruit, vegetables and herbs have a tendency to perish quickly if left uneaten.</p> <p>This is because <a href="https://www.sciencedirect.com/science/article/abs/pii/S2212429219305188">even after harvesting</a>, produce from living plants tends to continue its biological processes. This includes respiration: producing energy from stored carbohydrates, proteins and fats while releasing carbon dioxide and water vapour. (Ever found a sprouting potato in your pantry?)</p> <p>On top of that, fresh produce also <a href="https://www.mdpi.com/journal/agriculture/special_issues/quality_safety_fresh_produce">spoils easily thanks to various microbes</a> – both harmless and ones that can cause disease, called pathogens.</p> <p>Simply chucking things in the fridge won’t solve the problem, as different types of plants will react differently to how they’re stored. So, how can you combat food waste and keep produce fresh for longer? Fortunately, there are some helpful tips.</p> <h2>Freshness and quality begin at the farm</h2> <p>Farmers always aim to harvest produce when it’s at an optimal condition, but both pre-harvest and post-harvest factors will affect freshness and quality even before you buy it.</p> <p>Pre-harvest factors are agricultural, such as climatic conditions, soil type and water availability. <a href="https://www.sciencedirect.com/science/article/abs/pii/S2212429219305188">Post-harvest factors</a> include washing and cleaning after harvesting, transportation and distribution, processing and packaging, and storage.</p> <p>As consumers we can’t directly control these factors – sometimes the veggies we buy just won’t be as good. But we can look out for things that will affect the produce once we bring it home.</p> <p>One major thing to look out for is bruised, wounded or damaged produce. This can happen at any stage of post-harvest handling, and can really speed up the <a href="https://www.sciencedirect.com/science/article/abs/pii/S0308814609001411">decay of your veggies and fruit</a>.</p> <p>Moisture loss through damaged skin speeds up deterioration and nutrient loss. The damage also makes it easier for <a href="https://www.sciencedirect.com/science/article/pii/S2468014119301943">spoilage microbes</a> to get in.</p> <h2>To wash or not to wash?</h2> <p>You don’t need to wash your produce before storing it. A lot of what we buy has already been washed commercially. In fact, if you wash your produce and can’t get it completely dry, the added moisture could speed up decay in the fridge.</p> <p>But washing produce <a href="https://theconversation.com/do-we-really-have-to-wash-fruit-and-vegetables-53039">just before you use it</a> is important to remove dirt and pathogenic bugs.</p> <p>Don’t use vinegar in your washing water despite what you see on social media. Studies indicate <a href="https://pubmed.ncbi.nlm.nih.gov/16496573/">vinegar has no effect</a> on lowering microbial loads on fresh produce.</p> <p>Similarly, don’t use baking soda. Even though there’s some evidence baking soda <a href="https://pubs.acs.org/doi/10.1021/acs.jafc.7b03118">can remove pesticide residues</a> from the surface of some produce, it’s not advisable at home. Just use plain tap water.</p> <h2>Location, location, location</h2> <p>The main thing you need is the correct type of packaging and the correct location – you want to manage moisture loss, decay and ripening.</p> <p>The three main storage options are on the counter, in the fridge, or in a “cool, dry and dark place”, such as the pantry. Here are some common examples of produce and where best to put them.</p> <p>Bananas, onion, garlic, potatoes, sweet potato and whole pumpkin will do better in a dark pantry or cupboard. Don’t store potatoes and onions together: onions produce a gas called ethylene that makes potatoes spoil quicker, while the high moisture in potatoes spoils onions.</p> <p>In fact, don’t store fruits such as apples, pears, avocado and bananas together, because these fruits <a href="https://www.tandfonline.com/doi/full/10.1080/15538362.2013.748378#:%7E:text=%27Malindi%27%20had%20higher%20respiration%20rates,retention%20in%20fruit%20during%20ripening">release ethylene gas</a> as they ripen, making nearby fruits ripen (and potentially spoil) much faster. That is, unless you <em>do</em> want to ripen your fruits fast.</p> <p>All leafy greens, carrots, cucumbers, cauliflower and broccoli will do best in the low-humidity drawer (crisper) in the fridge. You can put them in perforated plastic bags to retain moisture but maintain air flow. But don’t put them in completely sealed bags because this can slow down ripening while <a href="https://ucanr.edu/sites/hdnmastergardeners/files/338860.pdf">trapping carbon dioxide</a>, leading to decay and bad smells.</p> <p>Some fruits will also do best in the fridge. For example, apples and citrus fruits such as oranges can keep fresh longer in the fridge (crisper drawer), although they can stay at room temperature for short periods. However, don’t store watermelon in the fridge for too long, as it will lose its flavour and deep red colour if kept refrigerated <a href="https://ucanr.edu/sites/hdnmastergardeners/files/338860.pdf">for longer than three days</a>.</p> <p>Most herbs and some leafy vegetables – like celery, spring onions and asparagus – can be kept with stems in water to keep them crisp. Keep them in a well-ventilated area and away from direct sunlight, so they don’t get too warm and wilt.</p> <figure><iframe src="https://www.youtube.com/embed/cHu10C1DAds?wmode=transparent&amp;start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe><figcaption><span class="caption">Experimenting at home is a good way to find the best ways to store your produce.</span></figcaption></figure> <h2>Fight food waste and experiment</h2> <p><strong>Don’t buy too much.</strong> Whenever possible, buy only small amounts so that you don’t need to worry about keeping them fresh. Never buy bruised, wounded or damaged produce if you plan to keep it around for more than a day.</p> <p><strong>“Process” your veggies for storage.</strong> If you do buy a large quantity – maybe a bulk option was on sale – consider turning the produce into something you can keep for longer. For example, banana puree made from really ripe bananas can be <a href="https://www.sciencedirect.com/science/article/abs/pii/S0023643817300853">stored for up to 14 days at 4°C</a>. You can use <a href="https://theconversation.com/frozen-canned-or-fermented-when-you-cant-shop-often-for-fresh-vegetables-what-are-the-best-alternatives-131678">freezing, blanching, fermentation and canning</a> for most vegetables.</p> <p><strong>Consider vacuum sealing.</strong> Vacuum packaging of vegetables and berries can keep them fresh longer, as well. For example, vacuum-sealed beans can keep up to 16 months in the fridge, but will last only about <a href="https://www.vacpac.com.au/vacuum-sealed-life-expectancy-how-long-will-my-vacuum-sealed-products-last">four weeks in the fridge unsealed</a>.</p> <p><strong>Keep track.</strong> Arrange your fridge so you can see the produce easily and use it all before it loses freshness.</p> <p><strong>Experiment with storage hacks.</strong> Social media is full of tips and hacks on how best to store produce. Turn your kitchen into a lab and try out any tips you’re curious about – they might just work. You can even use these experiments as a way to teach your kids about the importance of reducing food waste.</p> <p><strong>Grow some of your own.</strong> This isn’t <a href="https://theconversation.com/growing-your-own-food-and-foraging-can-help-tackle-your-ballooning-grocery-bill-heres-how-216264">feasible for all of us</a>, but you can always try having some herbs in pots so you don’t need to worry about keeping them fresh or using up a giant bunch of mint all at once. <a href="https://theconversation.com/health-check-are-microgreens-better-for-you-than-regular-greens-73950">Growing your own microgreens</a> could be handy, too.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/226763/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/senaka-ranadheera-199225">Senaka Ranadheera</a>, Associate Professor, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/how-do-i-keep-my-fruit-veggies-and-herbs-fresh-longer-are-there-any-hacks-226763">original article</a>.</em></p> </div>

Food & Wine

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Dodgy tactic to keep driver's licence growing "out of control"

<p>A criminal lawyer has exposed an alarming trend, which has caused more and more people to seek legal advice. </p> <p>Over the past year, there has been an increase in the number of drivers off-loading their demerit points to strangers in exchange for cash, as Aussies desperately try to keep their licences. </p> <p>The illegal tactic is often advertised on social media, where users attract those looking for someone to falsely nominate and palm off their demerit points to. </p> <p>The price of one demerit point can go for $30-$150, and criminal lawyer Jahan Kalantar revealed that more people are seeking legal advice after getting involved in the trend. </p> <p>"This used to be a very tiny part of my practice, I do about eight to nine consultations a week on this," he told <em>7News Sunrise</em>. </p> <p>"This is becoming really out of control."</p> <p><a href="https://au.news.yahoo.com/dodgy-drivers-licence-tactic-used-by-millions-growing-out-of-control-044254123.html" target="_blank" rel="noopener"><em>Yahoo Australia</em> </a>shared a screenshot of a chat obtained from Facebook, which showed a person responding to an ad someone put up about selling their demerit points. </p> <p>"What fine is it?" the person advertising asked. </p> <p>"Speeding," the person replied. </p> <p>"Yeah I can sort it out for you," they said. </p> <p>When asked how it would work the advertiser replied: "If it's under 5 points it's $80 a point". </p> <p>There are tough penalties for those who choose to falsely nominate another driver, and for those who trade their demerit points for cash. </p> <p>In Victoria, offenders face fines of $9,000, while those in NSW and Queensland cop a maximum penalty of $11,000. </p> <p>In addition to hefty fines, imprisonment is also a risk, with one high-profile incident in 2006 landing former federal court judge Marcus Einfeld in prison after he was caught falsely declaring another driver for his speeding fine. </p> <p><em>Images: 7NEWS/ Facebook</em></p>

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Dog care below freezing − how to keep your pet warm and safe from cold weather, road salt and more this winter

<div class="theconversation-article-body"> <p><em><a href="https://theconversation.com/profiles/erik-christian-olstad-1505284">Erik Christian Olstad</a>, <a href="https://theconversation.com/institutions/university-of-california-davis-1312">University of California, Davis</a></em></p> <p>Time outside with your dog in the spring, summer and fall can be lovely. Visiting your favorite downtown café on a cool spring morning, going to a favorite dog park on a clear summer evening or going on walks along a river when the leaves are changing color are all wonderful when the weather is favorable. But in much of the country, when winter rolls around, previously hospitable conditions can <a href="https://theconversation.com/is-winter-miserable-for-wildlife-108734">quickly turn chilly and dangerous</a> for people and pups alike.</p> <p>Winter brings some unique challenges for dog owners, since dogs still need activity and socialization during colder seasons. Studies have shown that dog owners are almost 50% less likely to walk their dogs <a href="https://doi.org/10.3390/ani11113302">when the weather gets cold</a>. Knowing the basics of winter safety is critical to maintaining a healthy lifestyle for your dog.</p> <p>I am an <a href="https://www.vetmed.ucdavis.edu/faculty/erik-olstad">assistant professor</a> at the University of California Davis School of Veterinary Medicine who weathered polar vortexes with my dog while living in Michigan early in my career. While I’ve since moved to sunny California, I’ve seen how quickly frigid temperatures can turn dangerous for pets.</p> <h2>Breed and age differences</h2> <p>Not all dogs have the same abilities to deal with cold weather. A short-coated dog like a Chihuahua is much more susceptible to the dangers of cold weather than a thick-coated husky. When the weather dips below 40 degrees Fahrenheit (4 degrees Celsius), the well-acclimated husky may be comfortable, whereas the Chihuahua would shiver and be at risk of hypothermia.</p> <p>Additionally, if your dog is used to warm weather, but you decide to move to a colder region, the dog will need time to acclimate to that colder weather, even if they have a thick coat.</p> <p>Age also affects cold-weather resilience. Puppies and elderly dogs can’t withstand the chill as well as other dogs, but every dog is unique – each may have individual health conditions or physical attributes that make them more or less resilient to cold weather.</p> <h2>When is my dog too cold?</h2> <p>Pet owners should be able to recognize the symptoms of a dog that is getting too cold. Dogs will shiver, and some may vocalize or whine. Dogs may resist putting their feet down on the cold ground, or burrow, or try to find warmth in their environment when they are uncomfortable.</p> <p>Just like people, <a href="https://vcahospitals.com/know-your-pet/frostbite-in-dogs">dogs can get frostbite</a>. And just like people, the signs can take days to appear, making it hard to assess them in the moment. The most common sites for frostbite in dogs are their ears and the tips of their tails. Some of the initial signs of frostbite are skin discoloring, turning paler than normal, or purple, gray or even black; red, blistered skin; swelling; pain at the site; <a href="https://www.britannica.com/science/ulcer">or ulceration</a>.</p> <p>Other <a href="https://vcahospitals.com/know-your-pet/frostbite-in-dogs">serious signs of hypothermia</a> include sluggishness or lethargy, and if you observe them, please visit your veterinarian immediately. A good rule to live by is if it is too cold for you, it is too cold for your dog.</p> <p>Getting your dog a <a href="https://www.cnn.com/cnn-underscored/pets/best-winter-dog-coats-jackets">sweater or jacket</a> and <a href="https://www.akc.org/expert-advice/vets-corner/protect-dogs-paws-snow-ice-salt/">paw covers</a> can provide them with protection from the elements and keep them comfortable. Veterinarians also recommend closely monitoring your dog and limiting their time outside when the temperature nears the freezing point or drops below it.</p> <h2>Road salt dangers</h2> <p>Road salt that treats ice on streets and sidewalks <a href="https://www.cbc.ca/news/canada/kitchener-waterloo/ice-salt-toxic-for-pets-1.5020088">can also harm dogs</a>. When dogs walk on the salt, the sharp, rough edges of the salt crystals can irritate the sensitive skin on their paws.</p> <p>Dogs will often lick their feet when they’re dirty, wet or irritated, and if they ingest any salt doing that, they may face GI upset, dehydration, kidney failure, seizures or even death. Even small amounts of pure salt can <a href="https://www.petpoisonhelpline.com/pet-tips/my-dog-ate-road-salt-will-they-be-okay/">disrupt critical body functions</a> in dogs.</p> <p>Some companies make pet-safe salt, but in public it can be hard to tell what type of salt is on the ground. After walking your dog, wash off their feet or boots. You can also keep their paw fur trimmed to prevent snow from balling up or salt collecting in the fur. Applying a thin layer of petroleum jelly or <a href="https://www.akc.org/expert-advice/lifestyle/how-to-make-your-own-paw-balm-for-winter/">paw pad balm</a> to the skin of the paw pads can also help protect your pet’s paws from irritation.</p> <h2>Antifreeze risks</h2> <p><a href="https://www.britannica.com/science/antifreeze-chemical-substance">Antifreeze, or ethylene glycol</a>, is in most vehicles to prevent the fluids from freezing when it gets cold out. Some people pour antifreeze into their toilets when away from their home to prevent the water in the toilet from freezing.</p> <p>Antifreeze is an exceptionally dangerous chemical to dogs and cats, as it tastes sweet but can be deadly when ingested. If a pet ingests even a small amount of antifreeze, the substance causes a chemical cascade in their body that results in severe kidney damage. If left untreated, the pet may have <a href="https://www.petpoisonhelpline.com/pet-owner-blog/antifreeze-poisoning/">permanent kidney damage or die</a>.</p> <p>There are safer antifreeze options on the market that use ingredients other than ethylene glycol. If your dog ingests antifreeze, please see your veterinarian immediately for treatment.</p> <p>When temperatures dip below freezing, the best thing pet owners can do is keep the time spent outside as minimal as possible. Try some <a href="https://www.akc.org/expert-advice/lifestyle/great-indoor-games-to-play-with-your-dog/">indoor activities</a>, like hide-and-seek with low-calorie treats, fetch or even an interactive obstacle course. Food puzzles can also keep your dog mentally engaged during indoor time.</p> <p>Although winter presents some unique challenges, it can still be an enjoyable and healthy time for you and your canine companion.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/221709/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/erik-christian-olstad-1505284">Erik Christian Olstad</a>, Health Sciences Assistant Professor of Clinical Veterinary Medicine, <a href="https://theconversation.com/institutions/university-of-california-davis-1312">University of California, Davis</a></em></p> <p><em>Image credits: Getty Images </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/dog-care-below-freezing-how-to-keep-your-pet-warm-and-safe-from-cold-weather-road-salt-and-more-this-winter-221709">original article</a>.</em></p> </div>

Family & Pets

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Keeping intimacy alive after menopause

<p>When sex is no longer enjoyable due to the changes brought on by menopause, many women sadly give up, wrongly believing there is no solution. This can result in loneliness within a relationship even leading to separation or divorce.</p> <p>But there is help available and it comes down to addressing genitourinary syndrome of menopause (GSM), a syndrome no one talks about despite the fact it affects all post-menopausal women and unlike hot flushes, doesn’t go away.</p> <p>GSM covers a range of menopausal symptoms including incontinence, burning, stinging or itching of the vagina, delayed or impaired orgasm and reduced libido. The good news is, there is help available, even for women who are unable to use hormone therapy and it’s never too late to seek help and take action.</p> <p><strong>Treat the pain</strong></p> <p>Pain and discomfort during intimacy is often the result of vaginal dryness. This can be addressed in many ways including the use of lubricants or vaginal moisturisers but it’s worth talking to your GP about a longer term solution. For many women, menopause hormone therapy (MHT) will help.</p> <p>An alternative to MHT is radiofrequency treatment with <a title="https://www.inmode.com.au/pages/empower-rf" href="https://www.inmode.com.au/pages/empower-rf" data-outlook-id="5a8b7279-e5dc-4ab9-9f3d-b788bb0310ee">EmpowerRF</a> to rejuvenate the tissue and increase collagen and elastin.</p> <p><strong>Take it slowly</strong></p> <p>Often women want to rekindle intimacy with their partner but are not sure how to go about it and fear often inhibits them initiating any intimacy at all.</p> <p>A staged return to intimacy can help.</p> <p>This is achieved by an agreement to limit the intimacy to non-sexual cuddles, no matter the level of desire, for an agreed period of time such as two weeks.</p> <p>It’s a great way to reignite that spark in a comfortable way, before taking things to the next level when both partners are ready.</p> <p><strong>Try new positions</strong></p> <p>Laying side by side can give the woman greater control over the rate of entry and the depth of penetration. </p> <p>If there is pain, stop at that point and breath and only increase penetration once the tissues have relaxed.</p> <p>If pain is still preventing penetration, it is important to seek professional help to find a solution. </p> <p>An examination will determine whether there is any other reason for the pain. A doctor can discuss options including estrogen cream, radiofrequency treatment and even Botox to help relax the muscles.</p> <p><strong> Address incontinence </strong></p> <p>One in two post-menopausal women experience incontinence, which can be a large barrier to sexual intimacy. </p> <p>I have helped many women overcome their struggles with incontinence, using electrical muscle stimulation treatment (V Tone) and radiofrequency technology (Forma V and Morpheus8V) to rejuvenate the tissues and strengthen the pelvic floor muscles. It can be life changing.</p> <p><strong><em>Dr Judy Craig is a Perth-based GP and cosmetic physician. She has practiced medicine for over 40 years.</em></strong></p> <p><em>Image credits: Getty Images </em></p>

Relationships

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5 tips to keep your dog happy when indoors

<p>The cooler months are well and truly here and the dreary weather is enough to make anyone a little sad, including our furry friends. According to a study by veterinary charity People’s Dispensary for Sick Animals, one in three dogs experience a downturn in mood during winter months. If the rain is preventing you getting out and about, here are five tips to keep your pooch happy and healthy when indoors.</p> <p><strong>1. Stair work/treadmill/indoor pool</strong></p> <p>Use what you have in your home. If you live in a multi-storey place, playing fetch up or down the stairs is a fun way for your pooch to get a workout. Alternatively, if you have a treadmill at home, use it to walk your dog on a rainy day. Swimming is also a great physical activity, particularly if dogs have joint problems.</p> <p><strong>2. Obedience training</strong></p> <p>Dust off the training books and work with your pooch to improve their obedience skills. It will keep your furry friend mentally active and dispel any boredom.</p> <p><strong>3. Hide and seek</strong></p> <p>Dogs need their senses stimulated – it’s why when they’re outside they will listen, sniff and dig out anything that’s out of the ordinary. Keep your furry friend entertained with a game of hide and seek. Place healthy treats around the house to get your pooch curious and exploring old surrounds.</p> <p><strong>4. Rotation diet</strong></p> <p>Rotating proteins (meats, fish, and poultry) and mixing in different forms of food (wet, dry and raw) will keep your dog interested in food and eating. Consult your vet about the type of diet your dog should be on for optimal health.</p> <p><strong>5. Play time</strong></p> <p>Interactive toys are a great way to pass time, stimulate and entertain your pooch inside. Puzzle toys, Kong balls with treats stuffed inside or just some one-on-one indoor play time will keep your four-legged friend happy.</p> <p><em>Image credits: Getty Images</em></p>

Family & Pets

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Keep warm this winter without breaking the bank

<p dir="ltr">With winter right around the corner, many of us (me included) are dreading the frost-bitten mornings, increased heating bills, and feeling too frozen to enjoy our days. </p> <p dir="ltr">However, with winter comes a long list of simple things to appreciate, such as layering up with your favourite scarf before heading out, curling up under a blanket with a good book, endless cups of tea, and of course, the ultimate season for soup.</p> <p dir="ltr">Another thing to add to this unspoken list of winter essentials is the very thing that keeps us warm all day everyday: our most trusted pair of ugg boot slippers. </p> <p dir="ltr">This winter, it’s never been more important to make sure your uggs are in tip top shape, as there’s nothing more miserable than having cold toes in the middle of June. </p> <p dir="ltr">Luckily, Ugg Express is here to help. </p> <p dir="ltr">This Australian owned and based footwear brand has been crafting a wide range of high-quality ugg boots, street wear shoes and accessories for the Australian community for over 30 years.</p> <p dir="ltr">From <a href="https://uggexpress.com.au/collections/ugg-boots-for-women">women’s</a> and <a href="https://uggexpress.com.au/collections/mens-ugg-boots">men’s</a> collections to styles made for little feet, every pair of UGGs is meticulously constructed using a combination of robust soles, reinforced stitching and high-quality suede or leather exteriors to deliver long-lasting wear and endless warmth. </p> <p dir="ltr">If it's boots you’re looking for, or if slip-on slippers are more your speed, Ugg Express have what you’re after, with their entire range coming in at very affordable prices. </p> <p dir="ltr">I was lucky enough to be sent a pair of <a href="https://uggexpress.com.au/products/as-ugg-slippers-homey-unisex-sheepskin-slippers?variant=19690173005882">sheepskin Ugg slippers</a>, and can confidently say I have found my go-to Uggs for winter. </p> <p dir="ltr">These slippers are not a full boot, making them easy to slip on and off if you struggle with mobility issues, while still keeping your heels and ankles snug. </p> <p dir="ltr">As someone who has long suffered with circulation problems (even in the depths of summer will be fingers and toes be entirely too cold) these sheepskin slippers have answered my winter prayers. </p> <p dir="ltr">The ultra-soft sheepskin lining gently moulds to the contours of your feet, providing a cushioned and cloud-like sensation with every step, without leaving your feet feeling overheated or sweaty.</p> <p dir="ltr">Sheepskin also contains natural antimicrobial properties that wick away moisture and help keep nasty odours at bay, so your pair of Uggs smell fresh and new, even with extended wear.</p> <p dir="ltr">The warmth and comfort of these Uggs are unmatched, with a comfy sole adding much needed support, so you can wear them all day long. </p> <p dir="ltr">You can shop the entire range of Uggs, slippers, boots and much more <a href="https://uggexpress.com.au/">online</a>, with the Ugg Express website offering free shipping on orders over $100, and a no risk 30-day returns policy to ensure every customer is happy with their purchase. </p> <p dir="ltr">If you prefer to try before you buy, Ugg Express have stores located all across Australia. </p> <p dir="ltr">Don’t wait before you’re frozen solid to make your ultimate winter purchase! Explore the range today to discover a pair of stylish UGG boots you’ll be reaching for whenever the temperature dips.</p> <p dir="ltr"><em>Image credits: Shutterstock </em></p>

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