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

<p>There are many reasons why you may look to refinance your home. The obvious one is to lower mortgage repayments with a better rate. However, other reasons people refinance later in life include:</p> <ul> <li>unlocking equity to invest</li> <li>paying down other debts</li> <li>buying a holiday home</li> <li>funding extended travel</li> <li>launching a new business</li> <li>supporting children with a property deposit</li> </ul> <p>Regardless of why you want to refinance, the points below will help you navigate your options.</p> <p><strong>Changing lenders</strong></p> <p>It may have been a while since you last revisited your mortgage, meaning you may not be aware of current lending options and traps.</p> <p>A common trick lenders use is the so-called “headline rate” to grab your attention. However, this interest rate is typically not what you end up paying. It may only be an introductory rate for the first few months, or hefty fees attached may wipe out any savings.</p> <p>Banks aren’t the only ones offering loans nowadays. Registered non-bank lenders, fintechs and online lenders can refinance your mortgage and provide other credit services the same as any bank; they just don’t take cash deposits. Alternatively, you could explore credit unions and mutual societies.</p> <p>Also consider any shareholder benefits you may have. Most banks have done away with them now but may still honour pre-existing ones. If you change lenders, you could lose this entitlement – permanently.</p> <p><strong>Reverse mortgages</strong></p> <p>Generally, only available to people aged 60-plus, a reverse mortgage effectively allows you to unlock equity in your home without you needing to make immediate repayments.</p> <p>However, they often have strict conditions including:</p> <ul> <li>minimum borrowing amounts</li> <li>maximum borrowing ratios</li> <li>higher interest rates than standard mortgages</li> </ul> <p>Crucially, the interest accrues over time and is repaid when you sell, move or pass away. As such, your debt liability grows over time – potentially impacting your future living arrangements and how much is left for beneficiaries in your will.  The Govt has the “loan equity scheme” as another option to lenders.  I just want to highlight the need to be careful with reverse mortgages.</p> <p><strong>Changing homes</strong></p> <p>Rather than selling, downsizing could involve making an investment property your primary residence and then renting out your existing home.</p> <p>This approach may require you to refinance both loans simultaneously. There will also be tax considerations to work through – including Capital Gains Tax liabilities when you do sell, negative gearing, depreciation, and changes to your income tax.</p> <p>Then there are the lifestyle factors to weigh up, especially if you are moving to a different area:</p> <ul> <li>living expenses</li> <li>insurance and travel costs</li> <li>access to healthcare</li> <li>rental income</li> <li>property management expenses</li> </ul> <p>Remember that if you have a Self Managed Super Fund (SMSF), it CANNOT own any property that you directly use yourself, including your home.</p> <p><strong>Becoming Bank of Mum and Dad</strong></p> <p>Refinancing can unlock equity to support adult children with their first property deposit. However, it isn’t without its risks.</p> <p>Ask yourself honestly:</p> <ul> <li>Will this be a gift or loan?</li> <li>If a loan, under what terms? Will interest be applied? How and when will repayments be made? What if they default?</li> <li>What happens if their relationship breaks down, will you get your money back?</li> <li>How does going without that money affect your retirement?</li> <li>Do you have alternative assets to support you if your circumstances change?</li> <li>How does this affect inheritances or deposit contributions to your other children?</li> <li>Can you assist them another way without using your home equity?</li> </ul> <p>Draw up a written agreement outlining all conditions and scenarios to avoid disagreements in the future.</p> <p><strong>Pension impacts</strong></p> <p>Don’t overlook how refinancing your home could impact your pension. While your home is exempt from the means test, any income or assets you generate from unlocking equity is not.</p> <p>You could inadvertently see your pension amount reduced or your eligibility voided altogether. This would come as a nasty shock if you haven’t pre-budgeted for such a change!</p> <p><strong>Getting advice</strong></p> <p>To ensure you get the best bang for your buck when refinancing, be sure to enlist the help of a good:</p> <ul> <li>mortgage broker to source the best loans for your circumstances</li> <li>insurance broker to ensure your cover is right sized for your needs, risk and budget</li> <li>accountant to work through any tax implications</li> <li>estate planner to manage any changes</li> <li>financial adviser to keep your investments and financial strategy working for you</li> </ul> <p>Ultimately, decisions – including about refinancing – are only as good the information you have at hand. So, make sure you have all the relevant facts before signing on the dotted line.</p> <p><em><span style="line-height: 18.4px; font-family: Calibri, sans-serif; color: #242424;">Helen Baker is a licensed Australian financial adviser and author of the new book, Money For Life: How to build financial security from firm foundations (Major Street Publishing $32.99). Helen is among the 1% of financial planners who hold a master’s degree in the field. Proceeds from book sales are donated to charities supporting disadvantaged women and children. Find out more at </span><a style="color: #467886;" title="http://www.onyourowntwofeet.com.au/" href="http://www.onyourowntwofeet.com.au/"><span style="line-height: 18.4px; font-family: Calibri, sans-serif;">www.onyourowntwofeet.com.au</span></a></em></p> <p><em><span style="line-height: 18.4px; font-family: Calibri, sans-serif; color: #242424;">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.</span></em></p>

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Protein and healthy ageing: What you need to know if you're over 50

<p>Healthy ageing is the new middle-aged mantra, but where do you start? If you’re over 50, one of the quickest wins in the battle to feeling great and ageing well is to increase your protein intake.</p> <p>Protein is an essential pro-ageing nutrient; it’s not just for gym junkies. It is vital to combat the serious impacts of ageing.</p> <p>Protein helps to stop age-related muscle loss and keep bones strong, when combined with exercise. It supports immune function and plays an essential role in maintaining and repairing body tissues and wound healing.</p> <p>Nutrition scientist Louise Fisher specialises in healthy ageing. She helped <a href="https://www.boldhealth.com.au" target="_blank" rel="noopener">Bold Health</a> develop its +50 pro-ageing protein powder and she has recently reviewed the past five years of published scientific research on protein and ageing to determine how much protein you really need to age well.</p> <p>The science on protein is moving fast. So, we asked Louise Fisher to share the latest insights on the eight most common questions about protein and healthy ageing. Here are her answers:</p> <p><strong>Does protein help with healthy ageing?</strong></p> <p>Protein is essential for healthy ageing. It helps keep your bones healthy and most importantly, it helps preserve muscle mass to stay strong.</p> <p>From as young as 30, you start to lose muscle mass and strength. This decline is barely noticeable at first, but it can accelerate to become a major problem as you get older impacting strength and mobility, increasing the likelihood of falls and even reducing your lifespan.</p> <p>The good news is you can slow down muscle loss, and even build muscle well into your 90s. Many studies have shown that a higher protein diet, combined with resistance training, is the best way to combat age-related muscle loss and preserve mobility.</p> <p>If you think of your muscles as a brick wall, the protein makes up the bricks and the resistance exercise is the work to build the wall. You need both to build that muscle.</p> <p>That’s not the only way protein helps you age well. Every cell in your body contains protein and your body is constantly using protein. Apart from building and maintaining muscles, protein helps repair tissues, forms the antibodies for your immunity system and the blood cells of our circulatory system, makes up many hormones, such as insulin, builds body structures of bones and collagen, and forms the enzymes we need to absorb nutrients from food and use energy.</p> <p><strong>Why do you need more protein once you turn 50?</strong></p> <p>The 50s are a good time to reassess your diet because simple changes now can have a big effect on your quality of life. Generally, as you age, you need fewer carbohydrates, because insulin resistance and higher blood glucose levels can become a common problem, while more protein becomes essential for muscle health, bone health and general wellbeing.Protein is made up of amino acids. As you get older, your body needs more amino acids to maintain, repair and build muscle. It also becomes less effective at using the amino acids. This is called anabolic resistance.</p> <p>As an example, one study revealed men in their 20s could build muscle with 20g of protein, while men in their 70s needed 40g of protein.</p> <p>Women, especially, need to prioritise protein for optimal bone health, because the drop in oestrogen with menopause increases the risk of developing osteoporosis. As you build and move your muscles, muscle contractions stimulate bone rebuilding. This helps maintain your bone density and reduce the risk of fractures. Stronger muscles help build stronger bones. Higher protein intakes are associated with a lower risk of hip fractures in older adults. </p> <p><strong>How much protein do you need for healthy ageing?</strong></p> <p>The latest science, combined with newer methods of assessing protein needs, show most healthy adults over 50 should consume at least 1g-1.2g of protein for each kilo they weigh, to help maintain muscle mass and age well.</p> <p>The formula is the same, whether you’re male or female. So, as an example a 70kg woman should aim for at least 70-84g of protein a day, and at least 90-108g of protein a day for a 90kg man. If you are doing strength training, as recommended, or other strenuous physical activity, you’ll need even more protein. I recommend at least an extra 20-30g of protein to help with muscle recovery on training days. </p> <p>The other group that needs higher protein intakes are people who might have a poor diet or those recovering from surgery or illness.</p> <p><strong>What are the signs that you’re not getting enough protein?</strong></p> <p>The early warning signs that you are not getting enough protein can be hard to spot. It could be that you are picking up more colds and viruses than normal, or that scratches do not heal as quickly.</p> <p>Sometimes that muscle weakness can show up in little things, for example it’s harder to open jars because of a small drop in grip strength. If you’re not getting enough protein, your body prioritises protein use for functions that keep you alive, such as repairing tissues, maintaining immunity, making new blood cells, hormones and enzymes.</p> <p>Building and maintaining muscle becomes a lower priority. On average most Australians do eat enough protein, but for some groups that’s not the case. People over 50 are at real risk of not getting enough protein to thrive.</p> <p><strong>When is the best time to consume protein for healthy ageing?</strong></p> <p>It may be best to spread your protein intake across the day, getting at least 20-30 g at main meals. Some studies indicate you absorb protein better this way, rather than relying on one high protein meal. In practice, it makes reaching your protein targets much more achievable.</p> <p>In my experience, people often miss protein at breakfast, especially if they just have a coffee or tea and toast or a piece of fruit to start the day. For something quick and easy, I’d suggest Greek yoghurt topped with nuts and fruit or high protein cereal with high protein milk.</p> <p>If you find it hard to eat first thing in the morning, or need something on the go, a protein shake is a great option.If you have been exercising, aim to get that extra 20-30g of protein soon afterwards. Again, a protein shake is often the easiest way to do this.</p> <p><strong>What are the best sources of protein for people over 50?</strong></p> <p>To age well, you need to choose the right sources of protein. It’s not just a matter of eating more sausages, bacon or a bigger steak. To help manage risk factors for heart disease such as cholesterol, it is important to have most of your protein from foods that are low in saturated fats.</p> <p>This means focusing on plant protein and lean animal sources, including lean meat, chicken, fish, legumes (dried and tinned beans, lentils), plant protein powders, tofu, nuts and seeds, reduced fat dairy, and eggs.</p> <p><strong>What’s the best protein powder for people over 50?</strong></p> <p>Look for a protein powder that is low in sugar and has added vitamins and minerals, because, as you get older, you need to make every mouthful count. It’s also a better bang for your buck.</p> <p>On my checklist are vitamin B12, vitamin D, calcium, folate and magnesium. These essential nutrients also support healthy ageing by helping to maintain muscle, bone, and heart health, as well as fight fatigue.</p> <p><span style="text-decoration: underline;"><em>Tip:</em></span> To avoid that bloated feeling you can sometimes get after drinking a protein shake, choose a protein powder that is lactose-free. Some people find blends with prebiotic fibres and digestive enzymes also help.</p> <p><strong>Why is eating more protein important if you’re dieting?</strong></p> <p>When you lose weight, you also generally lose some muscle mass as well. And the greater the rate of weight loss, the greater the loss of lean muscle.</p> <p>Maintaining protein intakes and resistance training, while trying to lose weight, is important to keep your strength, but not all weight loss methods make it easy to get enough protein.</p> <p>Intermittent fasting often involves people regularly skipping a meal. If poorly planned, this can lead to a shortfall in protein intake. With the increase in use of GLP-1 agonist drugs, such as Ozempic or Wegovy, for weight loss, we’re also starting to see nutritionists suggest that people prioritise protein intake to reduce the risk of sarcopenia, severe muscle and strength loss.</p> <p>Using a protein shake that is low in sugar and contains additional vitamins and minerals is a convenient way to get the nutrients you need and minimise muscle loss.</p> <p><em><strong>Louise Fisher is a highly qualified nutrition scientist with more than 10 years of experience as a clinical dietitian. Her key areas of expertise are healthy aging, diet, and exercise.</strong></em></p> <p><em><strong>Image credits: Supplied</strong></em></p>

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Vitamin B6 is essential – but too much can be toxic. Here’s what to know to stay safe

<div class="theconversation-article-body"> <p><em><a href="https://theconversation.com/profiles/vasso-apostolopoulos-105605">Vasso Apostolopoulos</a>, <a href="https://theconversation.com/institutions/rmit-university-1063">RMIT University</a> and <a href="https://theconversation.com/profiles/jack-feehan-1239419">Jack Feehan</a>, <a href="https://theconversation.com/institutions/rmit-university-1063">RMIT University</a></em></p> <p>In recent weeks, <a href="https://www.abc.net.au/news/2025-01-08/vitamin-b6-toxicity-peripheral-neuropathy-health-supplements/104793006">reports have been circulating</a> about severe reactions in people who’ve taken over-the-counter vitamin B6 supplements.</p> <p>Vitamin B6 poisoning can injure nerves and lead to symptoms including numbness, tingling and even trouble walking and moving.</p> <p>In some cases, those affected <a href="https://www.abc.net.au/news/2025-01-28/vitamin-b6-toxicity-cases-rise-vitamins-supplements-tga-review/104863232">didn’t know the product contained</a> any vitamin B6.</p> <p>So what is vitamin B6, where is it found and how much is too much? Here’s what you need to know about this essential nutrient.</p> <h2>What is vitamin B6?</h2> <p>Vitamin B6 (also known as pyridoxine) is a group of six compounds that share a similar chemical structure.</p> <p>It is an essential nutrient, meaning we need it for normal body functions, but we can’t produce it ourselves.</p> <p><a href="https://www.eatforhealth.gov.au/nutrient-reference-values/nutrients/vitamin-b6">Adults aged 19–50</a> need 1.3mg of vitamin B6 per day. The recommended dose is lower for teens and children, and higher for those aged 51 and over (1.7mg for men and 1.5mg for women) and people who are breastfeeding or pregnant (1.9mg).</p> <p>Most of us get <a href="https://www.nhs.uk/conditions/vitamins-and-minerals/vitamin-b/">this in our diet</a> – largely from animal products, including meat, dairy and eggs.</p> <p>The vitamin is also available in a range of different plant foods, including spinach, kale, bananas and potatoes, so deficiency is <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC8150266/">rare</a>, even for vegetarians and vegans.</p> <p>The vitamin B6 we consume in the diet is inactive, meaning the body can’t use it. To activate B6, the liver transforms it into a compound called pyridoxal-5’-phosphate (PLP).</p> <p>In this form, vitamin B6 helps the body with more than 140 cellular functions, including building and breaking down proteins, producing red blood cells, regulating blood sugar and supporting brain function.</p> <p>Vitamin B6 is important for <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC6071262/">overall health</a> and has also been associated with reduced <a href="https://pubmed.ncbi.nlm.nih.gov/28376200/">cancer</a> risk and <a href="https://www.sciencedirect.com/science/article/abs/pii/S0098299716300395">inflammation</a>.</p> <p>Despite being readily available in the diet, vitamin B6 is also widely included in various supplements, multivitamins and other products, such as Berocca and energy drinks.</p> <h2>Should we be worried about toxicity?</h2> <p>Vitamin B6 toxicity is extremely rare. It <a href="https://europepmc.org/article/nbk/nbk470579?crsi=6624972170&amp;cicada_org_src=healthwebmagazine.com&amp;cicada_org_mdm=direct&amp;client=bot">almost never occurs from dietary intake alone</a>, unless there is a genetic disorders or disease that stops nutrient absorption (such as coeliac disease).</p> <p>This is because all eight vitamins in the B group are water-soluble. If you consume more of the vitamin than your body needs, it can be excreted readily and harmlessly in your urine.</p> <p>However, in some rare cases, <a href="https://pubmed.ncbi.nlm.nih.gov/37447150/">excessive vitamin B6</a> accumulates in the blood, resulting in a condition called peripheral neuropathy. We’re still not sure why this occurs in some people but not others.</p> <p>Peripheral neuropathy <a href="https://my.clevelandclinic.org/health/diseases/14737-peripheral-neuropathy">occurs when the sensory nerves</a> – those outside our brain and spinal cord that send information to the central nervous system – are damaged and unable to function. This can be caused by a wide range of diseases (and is most well known in type 2 diabetes).</p> <p>The most common symptoms are numbness and tingling, though in some cases patients may experience difficulty with balance or walking.</p> <p>We don’t know exactly how excess vitamin B6 causes peripheral neuropathy, but it is thought to <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC8483950/">interfere with how the neurotransmitter GABA</a> sends signals to the sensory nerves.</p> <p>Vitamin B6 can cause permanent damage to nerves. <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC10343656/">Studies have shown</a> symptoms improved when the person stopped taking the supplement, although they didn’t completely resolve.</p> <h2>What is considered excessive? And has this changed?</h2> <p><a href="https://www.cureus.com/articles/199499-vitamin-b6-toxicity-secondary-to-daily-multivitamin-use-a-case-report#!/">Toxicity usually occurs</a> only when people take supplements with high doses of B6.</p> <p>Until 2022, only products with more than 50mg of vitamin B6 were required to display a warning about peripheral neuropathy. But the <a href="https://www.tga.gov.au/news/safety-updates/peripheral-neuropathy-supplementary-vitamin-b6-pyridoxine">Therapeutic Goods Administration lowered this</a> and now requires any product containing more than 10mg of vitamin B6 to carry a warning.</p> <p>The Therapeutic Goods Administration has also halved the daily upper limit of vitamin B6 a product can provide – from 200mg to 100mg.</p> <p>These changes followed a review by the administration, after receiving 32 reports of peripheral neuropathy in people taking supplements. Two thirds of these people were taking less than 50mg of vitamin B6.</p> <p>The <a href="https://www.tga.gov.au/news/safety-updates/peripheral-neuropathy-supplementary-vitamin-b6-pyridoxine#what-should-health-professionals-do">Therapeutic Goods Administration acknowledges</a> the risk varies between individuals and a lot is unknown. Its review could not identify a minimum dose, duration of use or patient risk factors.</p> <h2>But I thought B vitamins were good for me?</h2> <p>Too much of anything can cause problems.</p> <p>The updated guidelines are likely to significantly lower the risk of toxicity. They also make consumers more aware of which products contain B6, and the risks.</p> <p>The Therapeutic Goods Administration will continue to monitor evidence and revise guidelines if necessary.</p> <p>While vitamin B6 toxicity remains very rare, there are still many questions about why some people get peripheral neuropathy with lower dose supplements.</p> <p>It could be that some specific vitamin B compounds have a stronger effect, or some people may have genetic vulnerabilities or diseases which put them <a href="https://www.sciencedirect.com/science/article/pii/S2161831322004781">at higher risk</a>.</p> <h2>So what should I do?</h2> <p>Most people don’t need to actively seek vitamin B6 in supplements.</p> <p>However, many reports to the Therapeutic Goods Administration were of vitamin B6 being added to supplements labelled as magnesium or zinc – and some weren’t aware they were consuming it.</p> <p>It is important to always check the label if you are taking a new medicine or supplement, especially if it hasn’t been explicitly prescribed by a health-care professional.</p> <p>Be particularly cautious if you are taking multiple supplements. While one multivitamin is unlikely to cause an issue, adding a magnesium supplement for cramping, or a zinc supplement for cold and flu symptoms, may cause an excessive vitamin B6 dose over time, and increase your risk.</p> <p>Importantly, pay attention to symptoms that may indicate peripheral neuropathy, such as pins and needles, numbness, or pain in the feet or hands, if you do change or add a supplement.</p> <p>Most importantly, if you need advice, you should talk to your doctor, dietitian or pharmacist.<!-- 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/248443/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/vasso-apostolopoulos-105605">Vasso Apostolopoulos</a>, Distinguished Professor, Professor of Immunology, <a href="https://theconversation.com/institutions/rmit-university-1063">RMIT University</a> and <a href="https://theconversation.com/profiles/jack-feehan-1239419">Jack Feehan</a>, Vice Chancellors Senior Research Fellow in Immunology, <a href="https://theconversation.com/institutions/rmit-university-1063">RMIT 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/vitamin-b6-is-essential-but-too-much-can-be-toxic-heres-what-to-know-to-stay-safe-248443">original article</a>.</em></p> </div>

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Voluntary assisted dying is legal in Australia – but many of us don’t know

<div class="theconversation-article-body"> <p><em><a href="https://theconversation.com/profiles/ben-white-15387">Ben White</a>, <a href="https://theconversation.com/institutions/queensland-university-of-technology-847">Queensland University of Technology</a>; <a href="https://theconversation.com/profiles/lindy-willmott-15386">Lindy Willmott</a>, <a href="https://theconversation.com/institutions/queensland-university-of-technology-847">Queensland University of Technology</a>, and <a href="https://theconversation.com/profiles/rachel-feeney-140352">Rachel Feeney</a>, <a href="https://theconversation.com/institutions/queensland-university-of-technology-847">Queensland University of Technology</a></em></p> <p>Voluntary assisted dying is lawful in <a href="https://www.unswlawjournal.unsw.edu.au/wp-content/uploads/2023/12/Issue-464-10-Waller-et-al.pdf">all Australian states</a>. This allows terminally ill adults who are suffering and have decision-making capacity to choose to receive help to die.</p> <p>Victoria’s law was the first, coming into effect <a href="https://theconversation.com/voluntary-assisted-dying-will-soon-be-legal-in-victoria-and-this-is-what-you-need-to-know-111836">in 2019</a>. New South Wales was the last state, with its <a href="https://theconversation.com/voluntary-assisted-dying-is-now-available-in-all-australian-states-how-do-the-nsw-laws-compare-217261">voluntary assisted dying law</a> beginning in late 2023.</p> <p>Voluntary assisted dying will be <a href="https://www.act.gov.au/health/topics/end-of-life-and-palliative-care/voluntary-assisted-dying-in-the-act">allowed in the Australian Capital Territory</a> in November, and a <a href="https://cmc.nt.gov.au/project-management-office/voluntary-assisted-dying">Northern Territory report</a> has recommended it pass a voluntary assisted dying law too.</p> <p>While the vast majority of Australians now live in jurisdictions where voluntary assisted dying is permitted, accessing voluntary assisted dying depends on knowing it’s a legal option. But our <a href="https://www.tandfonline.com/doi/full/10.1080/07481187.2025.2452490">new research</a> suggests many Australians don’t know this.</p> <h2>A study in Queensland</h2> <p>Voluntary assisted dying became legal <a href="https://www.health.qld.gov.au/clinical-practice/guidelines-procedures/voluntary-assisted-dying/explained/overview">in Queensland</a> on January 1, 2023. We conducted <a href="https://eprints.qut.edu.au/255019/">an online survey</a> of 1,000 Queensland adults in mid-2024 to find out if the community knew about this new end-of-life choice.</p> <p>We set quotas for age, gender and geographical location to ensure the people we surveyed represented the overall Queensland population.</p> <p>First, we asked whether people thought voluntary assisted dying was legal in Queensland. Only <a href="https://research.qut.edu.au/voluntary-assisted-dying-regulation/wp-content/uploads/sites/292/2025/01/Do-people-know-VAD-is-legal-Research-briefing.pdf">one-third (33%) correctly identified</a> it was. Of the 67% who didn’t, 41% thought voluntary assisted dying was illegal and 26% said they didn’t know.</p> <p>People who did know voluntary assisted dying was legal had generally found out in one of three ways:</p> <ul> <li> <p>from the media</p> </li> <li> <p>from professional experience (for example, working in health care)</p> </li> <li> <p>from personal experience (for example, knowing someone who had asked about, requested or accessed voluntary assisted dying).</p> </li> </ul> <p>We then told our survey participants voluntary assisted dying was legal in Queensland and asked if they would know how to go about accessing it if they wished to. Only one-quarter (26%) answered yes.</p> <p>The survey also asked people where they might look for information about voluntary assisted dying. Most people said they would seek this information online, but asking health practitioners, especially doctors, was also important.</p> <h2>Legal and cultural barriers</h2> <p>Perhaps it’s not surprising so few members of the surveyed public know voluntary assisted dying is a legal choice. It’s still a relatively new law. But there are <a href="https://onlinelibrary.wiley.com/doi/10.1111/hex.13867">specific barriers</a> in Australia that can prevent people finding out about it.</p> <p>One major barrier is health practitioners are often <a href="https://onlinelibrary.wiley.com/doi/10.5694/mja2.52183">not able to freely discuss</a> voluntary assisted dying with their patients. The laws in all states control how conversations about voluntary assisted dying can occur.</p> <p>For example, in Queensland, only doctors and nurse practitioners <a href="https://classic.austlii.edu.au/au/legis/qld/consol_act/vada2021302/s7.html">can raise voluntary assisted dying</a> and only if they also discuss available treatment and palliative care options and their likely outcomes.</p> <p>But the most problematic are <a href="https://classic.austlii.edu.au/au/legis/vic/consol_act/vada2017302/s8.html">Victorian</a> and <a href="https://www.austlii.edu.au/cgi-bin/viewdoc/au/legis/sa/consol_act/vada2021302/s12.html">South Australian</a> laws which prohibit health practitioners from raising the topic with patients altogether. Many people rely on their doctor to tell them about treatment options, so it’s a problem if the onus is on the patient to bring it up first.</p> <p><a href="https://onlinelibrary.wiley.com/doi/10.5694/mja2.52183">Conscientious objection</a> is another significant barrier. Some doctors are opposed to voluntary assisted dying and even if they practise in a state where they can legally raise it, may choose not to tell their patients about it. This is another reason patients may not know voluntary assisted dying could be a choice for them.</p> <p>It’s important to note our study was only done in Queensland, so we can’t be confident the findings represent the wider Australian population. But given these barriers to knowing about voluntary assisted dying, it’s reasonable to anticipate similar trends in other states.</p> <h2>A national challenge</h2> <p>Raising community awareness of voluntary assisted dying is a challenge around the country. Voluntary assisted dying oversight boards from five states (<a href="https://www.health.qld.gov.au/__data/assets/pdf_file/0019/1362124/vad-annual-report-2023-24.pdf">Queensland</a>, <a href="https://www.health.tas.gov.au/sites/default/files/2024-09/voluntary_assisted_dying_annual_report_2023-24.pdf">Tasmania</a>, <a href="https://www.health.vic.gov.au/sites/default/files/2024-09/voluntary-assisted-dying-review-board_annual-report-2023-24.pdf">Victoria</a>, <a href="https://www.health.wa.gov.au/%7E/media/Corp/Documents/Health-for/Voluntary-assisted-dying/VAD-Board-Annual-Report-2023-24.pdf">Western Australia</a> and <a href="https://www.sahealth.sa.gov.au/wps/wcm/connect/73a3fd16-46c4-4ad4-bd82-7a03a924c1bc/VAD+Review+Board+Annual+Report+2023-2024+-+FINAL.pdf?MOD=AJPERES&amp;CACHEID=ROOTWORKSPACE-73a3fd16-46c4-4ad4-bd82-7a03a924c1bc-pdMyZ1p">South Australia</a>) have all discussed this issue in their most recent annual reports.</p> <p>In addition, Western Australia recently reviewed its voluntary assisted dying laws, identifying lack of community knowledge as a problem. The <a href="https://www.parliament.wa.gov.au/publications/tabledpapers.nsf/displaypaper/4113439a2331593cd11da0ae48258be300355868/%24file/voluntary+assisted+dying+act+2019+final+report.pdf">review called for a strategy</a> to fix this.</p> <p>We see this challenge as one of “voluntary assisted dying literacy”. Greater voluntary assisted dying literacy will enable members of the public to know the options available to them, and how to make the choices they want.</p> <h2>What can we do about this?</h2> <p>We need community awareness initiatives to increase knowledge that voluntary assisted dying is legal and ensure people know where to find information about this option. Information about voluntary assisted dying is already available from all <a href="https://www.health.qld.gov.au/clinical-practice/guidelines-procedures/voluntary-assisted-dying">state government health departments</a>, but more action is needed to ensure it reaches more people.</p> <p>Respondents in our survey suggested using social media campaigns, advertising, and sharing information through Centrelink, health clinics and other trusted community channels.</p> <p>We also propose targeted information for particular patient groups who may be eligible for voluntary assisted dying, such as people with cancer or neurodegenerative diseases. This means they will know voluntary assisted dying may be one of the treatment options available to them, and how to navigate the process should they wish to.</p> <p>These initiatives would need to be designed sensitively with a focus on providing information to avoid any perception that people could feel induced or directed to access voluntary assisted dying.</p> <p>Training for health practitioners is also important. This is particularly needed for GPs and specialists working in end-of-life care. Training will support health practitioners to facilitate informed discussions with patients and families.</p> <p>Strong community support was a <a href="https://www.parliament.vic.gov.au/4af889/contentassets/1fa966ea0b6c4034a82bca04f57a19b9/lsic_58-05_text_web.pdf">key argument</a> in legalising voluntary assisted dying in Australia. The public wanted this as an end-of-life choice. But that choice is only a real one if people know it exists.</p> <p><em>Our online resource <a href="https://end-of-life.qut.edu.au/assisteddying">End of Life Law in Australia</a> has more information about voluntary assisted dying and contact points for accessing it in each state.</em><!-- 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/248114/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/ben-white-15387"><em>Ben White</em></a><em>, Professor of End-of-Life Law and Regulation, Australian Centre for Health Law Research, <a href="https://theconversation.com/institutions/queensland-university-of-technology-847">Queensland University of Technology</a>; <a href="https://theconversation.com/profiles/lindy-willmott-15386">Lindy Willmott</a>, Professor of Law, Australian Centre for Health Law Research, <a href="https://theconversation.com/institutions/queensland-university-of-technology-847">Queensland University of Technology</a>, and <a href="https://theconversation.com/profiles/rachel-feeney-140352">Rachel Feeney</a>, Research Fellow, Australian Centre for Health Law Research, <a href="https://theconversation.com/institutions/queensland-university-of-technology-847">Queensland 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/voluntary-assisted-dying-is-legal-in-australia-but-many-of-us-dont-know-248114">original article</a>.</em></p> </div>

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Few Australians know the second verse of our national anthem – or how out of date it is

<div class="theconversation-article-body"> <p><em><a href="https://theconversation.com/profiles/wendy-hargreaves-1373285">Wendy Hargreaves</a>, <a href="https://theconversation.com/institutions/university-of-southern-queensland-1069">University of Southern Queensland</a></em></p> <p>There are two verses to Advance Australia Fair, but do you know the second? Probably not.</p> <p>It’s in our citizenship booklet, <a href="https://immi.homeaffairs.gov.au/citizenship/test-and-interview/our-common-bond">Our Common Bond</a>, suggesting Aussies know it and new citizens could be questioned on it in their citizenship test.</p> <p>Yet <a href="https://www.pmc.gov.au/honours-and-symbols/australian-national-symbols/australian-national-anthem/australian-national-anthem-use-and-protocol">official protocol</a> makes singing it optional. And who’ll choose to sing both verses when thousands of sporting fans just want the game to start?</p> <p>There are living generations who never properly learnt Advance Australia Fair. Before 1984, <a href="https://theconversation.com/50-years-on-advance-australia-fair-no-longer-reflects-the-values-of-many-what-could-replace-it-226737">most school students</a> sang God Save the Queen. Schools today teach verse one, but whether we learn verse two is haphazard.</p> <p>If school students sing along to a pre-recorded accompaniment with two verses, we’ll learn verse two. If we sing along with a squeaking school beginner band, one verse is probably all we’ll endure.</p> <p>I suspect if we knew the second verse our common bond would be arguing about it. Australians <a href="https://theconversation.com/outrage-over-schoolgirl-refusing-to-stand-for-anthem-shows-rise-of-aggressive-nationalism-103160">acted passionately</a> when debating one word in verse one, yet verse two barely raises an eyebrow. It’s the controversy we need to have (after we’ve googled the lyrics).</p> <h2>The birth of our second verse</h2> <p>The problem with verse two comes from its origins. It wasn’t in Peter Dodds McCormick’s original 1878 composition. His <a href="https://trove.nla.gov.au/newspaper/article/62087415">second verse</a> championed gallant Cook sailing with British courage to raise old England’s flag, proving “Britannia rules the waves”. His third and fourth verses weren’t any more appropriate.</p> <p>So, before Advance Australia Fair became our anthem in 1984, the National Australia Day Council made shrewd edits.</p> <p>Instead of using verse two from McCormick’s original version, they turned to <a href="https://nla.gov.au/nla.obj-165919018/view?partId=nla.obj-165919026">another version of Advance Australia Fair</a> written for federation in 1901.</p> <p>The federation version introduced a new commemorative verse, the only other verse the council kept:</p> <blockquote> <p>Beneath our radiant Southern Cross we’ll toil with hearts and hands </p> <p>To make our youthful Commonwealth renowned of all the lands </p> <p>For loyal sons beyond the seas we’ve boundless plains to share </p> <p>With courage let us all combine to Advance Australia Fair.</p> </blockquote> <p>Next, the council fixed the gendered language in the federation verse. “Loyal sons” became “those who’ve come”. They deleted “youthful” with an uncanny premonition that age would become sensitive.</p> <p>(For verse one, Australians resolved the debate ingeniously in 2021 <a href="https://www.theguardian.com/australia-news/2020/dec/31/we-are-one-and-free-australian-anthem-to-change-in-attempt-to-recognise-indigenous-history">by replacing</a> “young and free” with “one and free”.)</p> <p>But that’s all the council changed in verse two. They endorsed the rest.</p> <h2>What’s wrong with verse two?</h2> <p>The federation verse, understandably, celebrated the politics of 1901.</p> <p>The lyrics begin mildly but repetitively, “Beneath our radiant Southern Cross we’ll toil with hearts and hands”. I’m not sure why we’re toiling in both verses. Perhaps Aussies have an exceptional work ethic.</p> <p>In the next line, the word “commonwealth” was included to mark federation. The forming of the Commonwealth of Australia in 1901 marked a transition from six British colonies (New South Wales, Victoria, Tasmania, South Australia, Western Australia and Queensland) into one nation.</p> <p>On one hand, it celebrates unity and cooperation between colonies. But by singing the intended meaning of the verse, that the nation began when the colonies united, we disrespect the knowledge Australia already was many nations of First Peoples.</p> <figure class="align-right zoomable"><a href="https://images.theconversation.com/files/643701/original/file-20250121-15-cbyhoq.png?ixlib=rb-4.1.0&amp;q=45&amp;auto=format&amp;w=1000&amp;fit=clip"><img src="https://images.theconversation.com/files/643701/original/file-20250121-15-cbyhoq.png?ixlib=rb-4.1.0&amp;q=45&amp;auto=format&amp;w=237&amp;fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/643701/original/file-20250121-15-cbyhoq.png?ixlib=rb-4.1.0&amp;q=45&amp;auto=format&amp;w=600&amp;h=806&amp;fit=crop&amp;dpr=1 600w, https://images.theconversation.com/files/643701/original/file-20250121-15-cbyhoq.png?ixlib=rb-4.1.0&amp;q=30&amp;auto=format&amp;w=600&amp;h=806&amp;fit=crop&amp;dpr=2 1200w, https://images.theconversation.com/files/643701/original/file-20250121-15-cbyhoq.png?ixlib=rb-4.1.0&amp;q=15&amp;auto=format&amp;w=600&amp;h=806&amp;fit=crop&amp;dpr=3 1800w, https://images.theconversation.com/files/643701/original/file-20250121-15-cbyhoq.png?ixlib=rb-4.1.0&amp;q=45&amp;auto=format&amp;w=754&amp;h=1013&amp;fit=crop&amp;dpr=1 754w, https://images.theconversation.com/files/643701/original/file-20250121-15-cbyhoq.png?ixlib=rb-4.1.0&amp;q=30&amp;auto=format&amp;w=754&amp;h=1013&amp;fit=crop&amp;dpr=2 1508w, https://images.theconversation.com/files/643701/original/file-20250121-15-cbyhoq.png?ixlib=rb-4.1.0&amp;q=15&amp;auto=format&amp;w=754&amp;h=1013&amp;fit=crop&amp;dpr=3 2262w" alt="Illustration: White Australia - the great national policy song" /></a><figcaption><span class="caption">The federation verse says Australia has ‘boundless plains to share’ – but many were excluded from this vision of Australia.</span> <span class="attribution"><a class="source" href="https://commons.wikimedia.org/wiki/File:White_Australia_-_the_great_national_policy_song_.webp">Wikimedia Commons</a>, <a class="license" href="http://creativecommons.org/licenses/by-sa/4.0/">CC BY-SA</a></span></figcaption></figure> <p>The second questionable lyric in verse two is “for those who’ve come across the seas, we’ve boundless plains to share”.</p> <p>In 1901, Australia’s idea of sharing land was specific. We recruited enthusiastically for more British immigration, yet rejected migrants who weren’t white.</p> <p><a href="https://www.naa.gov.au/explore-collection/immigration-and-citizenship/immigration-restriction-act-1901">The Immigration Restriction Act 1901</a>, one of our parliament’s first laws, allowed immigration officers to set near impossible dictation tests in any European language. In effect, this meant anyone could be excluded from immigrating by what would be known as the White Australia Policy.</p> <p>Australia’s 21st century approach to sharing with foreigners also draws media attention. The breach of human rights at <a href="https://theconversation.com/the-un-says-australia-violated-human-rights-law-but-its-unlikely-to-change-the-way-we-treat-refugees-247096">detention centres</a> and the limiting of <a href="https://theconversation.com/international-student-numbers-in-australia-will-be-controlled-by-a-new-informal-cap-heres-how-it-will-work-246318">international student visas</a> to stem migration suggest we have “bounds” after all.</p> <h2>The way forward</h2> <p>If the federation verse is theoretically testable for new citizens, then we should check if the values of 1901 and 2025 still match. Without checking, Australia is stagnating, not advancing.</p> <p>The way forward is in the last line of verse two: “With courage let us all combine to Advance Australia Fair”.</p> <p>In 1901, that was a plea for spirit and cooperation between colonies when forming a national parliament.</p> <p>Yet, there’s a timeless truth in those words. By debating our anthem courageously, we can be united by challenge, enriched by diversity and ingenious at rewriting lyrics.<!-- 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/246678/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/wendy-hargreaves-1373285"><em>Wendy Hargreaves</em></a><em>, Senior Learning Advisor, <a href="https://theconversation.com/institutions/university-of-southern-queensland-1069">University of Southern Queensland</a></em></p> <p><em>Image credits: Izhar KHAN/Shutterstock Editorial </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/few-australians-know-the-second-verse-of-our-national-anthem-or-how-out-of-date-it-is-246678">original article</a>.</em></p> </div>

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A man scouring Google Earth found a mysterious scar in the Australian outback – and now scientists know what caused it

<div class="theconversation-article-body"> <p>By <a href="https://theconversation.com/profiles/matej-lipar-1372667">Matej Lipar</a>, <em><a href="https://theconversation.com/institutions/curtin-university-873">Curtin University</a></em></p> <p>Earlier this year, a caver was poring over satellite images of the Nullarbor Plain when he came across something unexpected: an enormous, mysterious scar etched into the barren landscape.</p> <p>The find intrigued scientists, including my colleagues and I. Upon closer investigation, we realised the scar was created by a ferocious tornado that no-one knew had occurred. We outline the findings in <a href="https://doi.org/10.1071/ES24023">new research</a> published today.</p> <p>Tornadoes are a known threat in the United States and elsewhere. But they also <a href="https://doi.org/10.1016/j.atmosres.2016.03.011">happen in Australia</a>.</p> <p>Without the power of technology, this remarkable example of nature’s ferocity would have gone unnoticed. It’s important to study the tornado’s aftermath to help us predict and prepare for the next big twister.</p> <h2>Australia’s tornado history</h2> <p><a href="https://doi.org/10.1007/978-3-642-05381-8">Tornadoes</a> are violent, spinning columns of air that drop from thunderstorms to the ground, bringing wind speeds often exceeding 200 kilometres an hour. They can cause massive destruction – uprooting trees, tearing apart buildings and throwing debris over large distances.</p> <p>Tornadoes have been reported on every continent except Antarctica. They most commonly occur in the Great Plains region of the United States, and in the north-east region of India–Bangladesh.</p> <p>The earliest tornado observed by settlers in Australia occurred in 1795 in the suburbs of Sydney. But a tornado was not confirmed here by Western scientists until the late 1800s.</p> <p>In recent decades, documented instances in Australia include a <a href="https://knowledge.aidr.org.au/resources/tornado-murray-river-townships-victoria-2013/#:%7E:text=Tornado%20%2D%20Murray%20River%20townships%2C%202013&text=At%20approximately%208.00pm%20on,border%20of%20New%20South%20Wales.">2013 tornado</a> that crossed north-east Victoria and travelled up to the New South Wales border. It brought winds between 250–300 kilometres an hour and damaged Murray River townships.</p> <p>And in 2016, a severe storm produced <a href="https://theconversation.com/severe-thunderstorms-are-sweeping-through-southern-australia-but-what-makes-a-thunderstorm-severe-241555#:%7E:text=In%202016%2C%20huge%20rotating%20supercell,after%20taking%20down%20six%20towers.">at least seven tornadoes</a> in central and eastern parts of South Australia.</p> <p>It’s important for scientists to accurately predict tornadoes, so we can issue warnings to communities. That’s why the Nullarbor tornado scar was useful to study.</p> <h2>A whirlwind mystery</h2> <p>The Nullarbor Plain is a remote, dry, treeless stretch of land in southern Australia. The man who discovered the scar had been using Google Earth satellite imagery to search the Nullabor for <a href="https://doi.org/10.1007/978-3-031-24267-0_11">caves</a> or other karst features.</p> <p>Karst is a landscape underlain by limestone featuring distinctive landforms. The discovery of the scar came to the attention of my colleagues and I through the collaborative network of researchers and explorers who study the Nullarbor karst.</p> <p>The scar stretches from Western Australia over the border to South Australia. It lies 20 kilometres north of the <a href="https://www.nma.gov.au/defining-moments/resources/trans-australian-railway">Trans-Australian Railway</a> and 90 kilometres east-north-east of Forrest, a former railway settlement.</p> <p>We compared satellite imagery of the site over several years to determine that the tornado occurred between November 16 and 18, 2022. Blue circular patterns appeared alongside the scar, indicating pools of water associated with heavy rain.</p> <p>My colleagues and I then travelled to the site in May this year to examine and photograph the scar and the neighbouring landscape.</p> <p>Our results have been <a href="https://doi.org/10.1071/ES24023">published today</a> in the Journal of Southern Hemisphere Earth Systems Science.</p> <figure class="align-center "><img src="https://images.theconversation.com/files/633465/original/file-20241121-17-bx4uhg.png?ixlib=rb-4.1.0&q=45&auto=format&w=754&fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/633465/original/file-20241121-17-bx4uhg.png?ixlib=rb-4.1.0&q=45&auto=format&w=600&h=315&fit=crop&dpr=1 600w, https://images.theconversation.com/files/633465/original/file-20241121-17-bx4uhg.png?ixlib=rb-4.1.0&q=30&auto=format&w=600&h=315&fit=crop&dpr=2 1200w, https://images.theconversation.com/files/633465/original/file-20241121-17-bx4uhg.png?ixlib=rb-4.1.0&q=15&auto=format&w=600&h=315&fit=crop&dpr=3 1800w, https://images.theconversation.com/files/633465/original/file-20241121-17-bx4uhg.png?ixlib=rb-4.1.0&q=45&auto=format&w=754&h=395&fit=crop&dpr=1 754w, https://images.theconversation.com/files/633465/original/file-20241121-17-bx4uhg.png?ixlib=rb-4.1.0&q=30&auto=format&w=754&h=395&fit=crop&dpr=2 1508w, https://images.theconversation.com/files/633465/original/file-20241121-17-bx4uhg.png?ixlib=rb-4.1.0&q=15&auto=format&w=754&h=395&fit=crop&dpr=3 2262w" alt="map of Australia's southwest coast with dots showing recorded tornadoes" /><figcaption><span class="caption">Map showing tornado events in Western Australia and South Australia between 1795 and 2014. The location of the tornado scar in the study is shown with a red dot.</span> <span class="attribution"><span class="source">Source: Severe Thunderstorm Archive/Australian Bureau of Meteorology</span></span></figcaption></figure> <h2>What we found</h2> <p>The scar is 11 kilometres long and between 160 and 250 metres wide. It bears striking patterns called “cycloidal marks”, formed by tornado suction vortexes. This suggests the tornado was no ordinary storm but in the strong <a href="https://ntrs.nasa.gov/citations/19720008829">F2 or F3</a> category, spinning with destructive winds of more than 200 kilometres an hour.</p> <p>The tornado probably lasted between seven and 13 minutes. Features of the scar suggest the whirling wind within the tornado was moving in a clockwise direction. We also think the tornado moved from west to east – which is consistent with the direction of a strong cold front in the region at the time.</p> <figure class="align-center "><img src="https://images.theconversation.com/files/622894/original/file-20241002-20-xzi4qn.jpg?ixlib=rb-4.1.0&q=45&auto=format&w=754&fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/622894/original/file-20241002-20-xzi4qn.jpg?ixlib=rb-4.1.0&q=45&auto=format&w=600&h=340&fit=crop&dpr=1 600w, https://images.theconversation.com/files/622894/original/file-20241002-20-xzi4qn.jpg?ixlib=rb-4.1.0&q=30&auto=format&w=600&h=340&fit=crop&dpr=2 1200w, https://images.theconversation.com/files/622894/original/file-20241002-20-xzi4qn.jpg?ixlib=rb-4.1.0&q=15&auto=format&w=600&h=340&fit=crop&dpr=3 1800w, https://images.theconversation.com/files/622894/original/file-20241002-20-xzi4qn.jpg?ixlib=rb-4.1.0&q=45&auto=format&w=754&h=428&fit=crop&dpr=1 754w, https://images.theconversation.com/files/622894/original/file-20241002-20-xzi4qn.jpg?ixlib=rb-4.1.0&q=30&auto=format&w=754&h=428&fit=crop&dpr=2 1508w, https://images.theconversation.com/files/622894/original/file-20241002-20-xzi4qn.jpg?ixlib=rb-4.1.0&q=15&auto=format&w=754&h=428&fit=crop&dpr=3 2262w" alt="spiralling masks in dry earth" /><figcaption><span class="caption">‘Cycloidal marks’ in the tornado scar, caused by multiple vortexes.</span> <span class="attribution"><span class="source">Google Earth satellite imagery</span></span></figcaption></figure> <p>Local weather observations also recorded intensive cloud cover and rainfall during that period in November 2022.</p> <p>Unlike tornadoes that hit populated areas, this one did not damage homes or towns. But it left its mark nonetheless, eroding soil and vegetation and reshaping the Earth’s surface.</p> <p>Remarkably, the scar was still clearly visible 18 months after the event, both in satellite images and on the ground. This is probably because vegetation grows slowly in this dry landscape, so hadn’t yet covered the erosion.</p> <h2>Predict and prepare</h2> <p>This fascinating discovery on the Nullarbor Plain shows how powerful and unpredictable nature can be – sometimes without us knowing.</p> <p>Only three tornadoes have previously been documented on the Nullarbor Plain. This is likely because the area is remote with few eye-witnesses, and because the events do not damage properties and infrastructure. Interestingly, those three tornadoes occurred in November, just like this one.</p> <p>Our research provides valuable insights into the tornadoes in this remote and little-studied region. It helps us understand when, and in what conditions, these types of tornadoes occur.</p> <p>It also emphasises the importance of satellite imagery in identifying and analysing weather phenomena in remote locations, and in helping us predict and prepare for the next big event.</p> <p>And finally, the results are a stark reminder that extreme weather can strike anywhere, anytime.</p> <hr /> <p><em>Hero Image: Author supplied/Google Earth</em></p> <p><em>This article has been amended to clarify that a reference to early tornado observations relates only to the period after British colonisation.</em><!-- 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/239867/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/matej-lipar-1372667">Matej Lipar</a>, Adjunct Research Fellow, School of Earth and Planetary Sciences, <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/a-man-scouring-google-earth-found-a-mysterious-scar-in-the-australian-outback-and-now-scientists-know-what-caused-it-239867">original article</a>.</em></p> </div>

Domestic Travel

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Sir Bob Geldof reveals new version of iconic Christmas song

<p>Sir Bob Geldof has shared the details of the 2024 reprise of the iconic song <em>Do They Know It's Christmas?</em>, revealing why the new version of the song will be the last. </p> <p><em>Do They Know It's Christmas?</em> was first released in 1984, and was sparked by Bob Geldof being disturbed by a news report on the famine in Ethiopia. </p> <p>He enlisted big names such as Bono, Boy George, Sting and George Michael to join in on the song to raise awareness and money for the famine.</p> <p>"I was sickened by it. I mean, that is really it," Geldof told <em>A Current Affair</em>.</p> <p>"I sat down and turned on the TV, and here was this devastating thing that put, you know, my pathetic, puny personal problems in a horrifying perspective."</p> <p>Since then, three more versions of the charity song have been made, in 2004, 2014 and now, in 2024 to mark the 40th anniversary of the original track. </p> <p><iframe title="YouTube video player" src="https://www.youtube.com/embed/CDiYk07FG1Y?si=TwdiduKB5vPX56V7" width="560" height="315" frameborder="0" allowfullscreen="allowfullscreen"></iframe></p> <p>Instead of recruiting new artists, this time Bob Geldof has remixed famous renditions from previous versions to combine the greatest voices of our time.</p> <p>Despite each iteration of the song having its own unique charm and voice, Geldof says it will be the last hurrah for the iconic Christmas tune.</p> <p>"I personally think, it's the definitive one and there will be no more," Geldof said.</p> <p>"The world has never been more fragile in my life, and I'm old, and I don't think people can take on board any more horror. They cannot absorb any more, but it's happening."</p> <p><em>Image credits: A Current Affair </em></p>

Music

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These 12 things can reduce your dementia risk – but many Australians don’t know them all

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/joyce-siette-1377445">Joyce Siette</a>, <a href="https://theconversation.com/institutions/western-sydney-university-1092">Western Sydney University</a> and <a href="https://theconversation.com/profiles/laura-dodds-1378067">Laura Dodds</a>, <a href="https://theconversation.com/institutions/western-sydney-university-1092">Western Sydney University</a></em></p> <p>Dementia is a <a href="https://www.abs.gov.au/statistics/health/causes-death/provisional-mortality-statistics/jan-may-2022">leading</a> cause of death in Australia.</p> <p>Although dementia mainly affects older people, it is an avoidable part of ageing. In fact, we all have the power to reduce our risk of developing dementia, no matter your age.</p> <p>Research shows your risk of developing dementia could be <a href="https://www.thelancet.com/article/S0140-6736(20)30367-6/fulltext">reduced by up to 40%</a> (and even higher if you live in a <a href="https://www.thelancet.com/journals/langlo/article/PIIS2214-109X(19)30074-9/fulltext">low or middle-income country</a>) by addressing lifestyle factors such as healthy diet, exercise and alcohol consumption.</p> <p>But the first step to reducing population-wide dementia risk is to understand how well people understand the risk factors and the barriers they may face to making lifestyle changes.</p> <p>Our new <a href="https://www.mdpi.com/2673-9259/2/4/21/htm">paper</a>, published this week in the <a href="https://www.mdpi.com/2673-9259/2/4/21/htm">Journal of Ageing and Longevity</a>, found most older people are aware that dementia is a modifiable condition and that they have the power to change their dementia risk.</p> <p>We also found the key barrier to making brain healthy lifestyle choices was a lack of knowledge, which suggests a public awareness campaign is urgently needed.</p> <h2>What we did</h2> <p>We began by <a href="https://www.mdpi.com/2673-9259/2/4/21/htm">reviewing</a> the published research to identify 12 factors shown to reduce dementia risk. We surveyed 834 older Australians about their awareness of the 12 factors, which were:</p> <ol> <li>having a mentally active lifestyle</li> <li>doing physical activity</li> <li>having a healthy diet</li> <li>having strong mental health</li> <li>not smoking</li> <li>not consuming alcohol</li> <li>controlling high blood pressure</li> <li>maintaining a healthy weight</li> <li>managing high cholesterol</li> <li>preventing heart disease</li> <li>not having kidney disease</li> <li>not having diabetes</li> </ol> <p><a href="https://www.thelancet.com/article/S0140-6736(20)30367-6/fulltext">The Lancet</a> subsequently published its own list of factors that help reduce dementia risk, which covered much the same territory (but included a few others, such as reducing air pollution, treating hearing impairment and being socially engaged).</p> <p>Of course, there is no way to cut your dementia risk to zero. Some people do all the “right” things and still get dementia. But there is <a href="https://www.thelancet.com/article/S0140-6736(20)30367-6/fulltext">good evidence</a> managing lifestyle factors help make it <em>less likely</em> you will get dementia over your lifetime.</p> <p>Our study shows many older Australians are quite aware, with over 75% able to correctly identify more than four of the factors in our list of 12.</p> <p>However, few were able to name the less well-known risk factors, such as preventing heart disease and health conditions like kidney disease.</p> <p>The good news is that close to half of the sample correctly identified more than six of the 12 protective factors, with mentally active lifestyle, physical activity and healthy diet in the top three spots.</p> <h2>Two key issues</h2> <p>Two things stood out as strongly linked with the ability to identify factors influencing dementia risk.</p> <p>Education was key. People who received more than 12 years of formal schooling were more likely to agree that dementia was a modifiable condition. We are first exposed to health management in our school years and thus more likely to form healthier habits.</p> <p>Age was the other key factor. Younger respondents (less than 75 years old) were able to accurately identify more protective factors compared to older respondents. This is why health promotion initiatives and public education efforts about dementia are vital (such as Dementia Awareness Month and <a href="https://www.memorywalk.com.au/">Memory, Walk and Jog initiatives</a>).</p> <h2>How can these findings be used in practice?</h2> <p>Our findings suggest we need to target education across the different age groups, from children to older Australians.</p> <p>This could involve a <a href="https://onlinelibrary.wiley.com/doi/full/10.1111/ajag.13049">whole system approach</a>, from programs targeted at <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC5858574/#:%7E:text=Family%20Coaching%20has%20specific%20goals,to%20problem%20solve%20challenging%20situations.">families</a>, to educational sessions for school-aged children, to involving GPs in awareness promotion.</p> <p>We also need to tackle barriers that hinder dementia risk reduction. This means doing activities that motivate you, finding programs that suit your needs and schedule, and are accessible.</p> <h2>What does this mean for you?</h2> <p>Reducing your dementia risk means recognising change starts with you.</p> <p>We are all familiar with the everyday challenges that stop us from starting an exercise program or sticking to a meal plan.</p> <p>There are simple and easy changes we can begin with. Our team has developed a program that can help. We are offering limited <a href="https://www.brainbootcamp.com.au/">free brain health boxes</a>, which include information resources and physical items such as a pedometer. These boxes aim to help rural Australians aged 55 years and over to adopt lifestyle changes that support healthy brain ageing. If you’re interested in signing up, visit our <a href="https://www.brainbootcamp.com.au">website</a>.</p> <p>Now is the time to think about your brain health. Let’s start 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/191504/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/joyce-siette-1377445">Joyce Siette</a>, Research Theme Fellow, <a href="https://theconversation.com/institutions/western-sydney-university-1092">Western Sydney University</a> and <a href="https://theconversation.com/profiles/laura-dodds-1378067">Laura Dodds</a>, PhD Candidate, <a href="https://theconversation.com/institutions/western-sydney-university-1092">Western Sydney 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/these-12-things-can-reduce-your-dementia-risk-but-many-australians-dont-know-them-all-191504">original article</a>.</em></p> </div>

Mind

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What are house dust mites and how do I know if I’m allergic to them?

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/deryn-lee-thompson-1449312">Deryn Lee Thompson</a>, <a href="https://theconversation.com/institutions/university-of-south-australia-1180">University of South Australia</a></em></p> <p>People often believe they are allergic to <a href="https://ahd.csiro.au/everything-in-our-homes-gathers-dust-but-what-exactly-is-it-where-does-it-come-from-and-why-does-it-keep-coming-back-is-it-from-outside-is-it-fibres-from-our-clothes-and-cells-from-our-skin/">house dust</a>. But of the <a href="https://www.allergy.org.au/patients/allergy-treatments/allergen-minimisation">20% of Australians</a> suffereing with allergies, a number are are actually allergic to microscopic <a href="https://www.healthdirect.gov.au/dust-mites">house dust mites</a>.</p> <p>House dust mites belong to the same family as spiders and ticks. They measure just 0.2-0.3 mm, with 50 fitting on a single pinhead. They <a href="https://www.intechopen.com/chapters/71977">live</a> for 65–100 days, and females lay 60–100 eggs in their life.</p> <p>House dust mites love temperate climates and humidity. They feed off the skin cells we and animals shed, as well as mould, which they digest using special enzymes. These enzymes are excreted in their poo about <a href="https://www.intechopen.com/chapters/71977">20 times a day</a>. They also shed fragments of their exoskeletons.</p> <p>All these fragments trigger allergies in people with this type of allergic rhinitis (which is also known as hay fever)</p> <h2>What are the symptoms?</h2> <p>When people with house dust mite allergy inhale the allergens, they penetrate the mucous membranes of the airways and eyes. Their body recognises the allergens as a threat, releasing chemicals including one called histamine.</p> <p>This causes symptoms including a runny nose, an itchy nose, eyes and throat, sneezing, coughing and a feeling of mucus at the back of your throat (known as a post-nasal drip).</p> <p>People with this type of allergy usually mouth breath, snore, rub their nose constantly (creating a nasal crease called the “dust mite salute”) and have dark shadows under their eyes.</p> <p>House dust mite allergy <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC7328274/">can also cause</a> poor sleep, constant tiredness, reduced concentration at work or school and lower quality of life.</p> <p>For people with eczema, their damaged skin barrier can allow house dust mite proteins in. This prompts immune cells in the skin to <a href="https://academic.oup.com/bjd/article/190/1/e5/7485663">release chemicals</a> which make already flared skin become redder, sorer and itchier, especially in children.</p> <p>Symptoms of house dust mite allergy occur year round, and are often worse after going to bed and when waking in the morning. But people with house dust mite allergy <em>and</em> pollen allergies find their year-round symptoms worsen in spring.</p> <h2>How is it diagnosed?</h2> <p>House dust mite allergy symptoms often build up over months, or even years before people seek help. But an accurate diagnosis means you can not only access the right treatment – it’s also vital for minimising exposure.</p> <p>Doctor and nurse practitioners can order a <a href="https://www.allergy.org.au/patients/allergy-treatments/allergen-minimisation">blood test</a> to check for house dust mite allergy.</p> <p>Alternatively, health care providers with <a href="https://www.allergy.org.au/hp/a-career-in-clinical-immunology-and-allergy">specialised allergy training</a> can perform skin prick tests. This involves placing drops of the allergens on the arm, along with a positive and negative “control”. After 15 minutes, those who test positive will have developed a mosquito bite-like mark.</p> <h2>How is it treated?</h2> <p>Medication options include one or a combination of:</p> <ul> <li>daily non-sedating antihistamines</li> <li>a steroid nasal spray</li> <li>allergy eye drops.</li> </ul> <p>Your health care professional will work with you to develop a <a href="https://www.allergy.org.au/images/stories/pospapers/ar/ASCIA_HP_Allergic_Rhinitis_2022.pdf">rhinitis (hay fever) medical management plan</a> to reduce your symptoms. If you’re using a nasal spray, your health provider will <a href="https://www.youtube.com/watch?v=_ytYj1TLojM">show you how to use it</a>, as people often use it incorrectly.</p> <p>If you also have <a href="https://www.nationalasthma.org.au/understanding-asthma/how-is-asthma-managed">asthma</a> or eczema which is worsened by dust mites, your health provider will adapt your <a href="https://www.nationalasthma.org.au/health-professionals/asthma-action-plans">asthma action plan</a> or <a href="https://medcast.com.au/qhub/eczema/resources">eczema care plan</a> accordingly.</p> <p>If you experience severe symptoms, a longer-term option is <a href="https://www.allergy.org.au/images/pc/ASCIA_PC_Allergen_Immunotherapy_FAQ_2024.pdf">immunotherapy</a>. This aims to gradually turn off your immune system’s ability to recognise house dust mites as a harmful allergen.</p> <p>Immunotherapy involves taking either a daily sublingual tablet, under the tongue, or a series of injections. Injections require monthly attendances over three years, after the initial weekly build-up phase.</p> <p>These are <a href="https://theconversation.com/im-considering-allergen-immunotherapy-for-my-hay-fever-what-do-i-need-to-know-190408">effective</a>, but are costly (as well as time-consuming). So it’s important to weigh up the potential benefits and downsides with your health-care provider.</p> <h2>How can you minimise house dust mites?</h2> <p>There are also important allergy minimisation measures you can take to reduce allergens in your home.</p> <p>Each week, <a href="https://www.allergy.org.au/component/finder/search?q=minimisation&amp;Itemid=100001">wash</a> your bedding and pyjamas in hot water (over 60°C). This <a href="https://www.nationalasthma.org.au/living-with-asthma/resources/patients-carers/factsheets/dust-mites-trigger-my-asthma">removes</a> house dust mite eggs and debris.</p> <p>Opt for doonas, covers or quilts that can be washed in hot water above 60°C. Alternatively, low-cost waterproof or leak proof covers can keep house dust mites out.</p> <p>If you can, favour blinds and wood floors over curtains and carpet. Dust blinds and surfaces with a damp cloth each week and vacuum while wearing a mask, or have someone else do it, as house dust mites can become airborne during cleaning.</p> <p>But beware of costly products with big marketing budgets and little evidence to support their use. A new mattress, for example, will always be house dust mite-free. But once slept on, the house dust mite life cycle can start.</p> <p>Mattress protectors and toppers commonly claim to be “hypoallergenic”, “anti-allergy” or “allergy free”. But their pore sizes are not small enough to keep house dust mites and their poo out, or shed skin going through.</p> <p>Sprays claiming to kill mites require so much spray to penetrate the product that it’s likely to become wet, may smell like the spray and, unless dried properly, may grow mould.</p> <p>Finally, claims that expensive vacuum cleaners can extract all the house dust mites are unsubstantiated.</p> <p><em>For more information, visit <a href="https://www.healthdirect.gov.au/dust-mites">healthdirect.gov.au</a> or the <a href="https://www.allergy.org.au/patients/allergy-treatments/allergen-minimisation">Australian Society of Clinical Immunology and Allergy</a>.</em><!-- 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/240918/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/deryn-lee-thompson-1449312">Deryn Lee Thompson</a>, Eczema and Allergy Nurse; Lecturer, <a href="https://theconversation.com/institutions/university-of-south-australia-1180">University of South 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/what-are-house-dust-mites-and-how-do-i-know-if-im-allergic-to-them-240918">original article</a>.</em></p> </div>

Body

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We know parents shape their children’s reading – but so can aunts, uncles and grandparents, by sharing beloved books

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/emily-grace-baulch-1399683">Emily Grace Baulch</a>, <a href="https://theconversation.com/institutions/the-university-of-queensland-805">The University of Queensland</a></em></p> <p><a href="https://creative.gov.au/news/media-releases/revealing-reading-a-survey-of-australian-reading-habits/">Over 80%</a> of Australians with children encourage them to read. Children whose parents enjoy reading are <a href="https://www.booktrust.org.uk/news-and-features/news/news-2023/new-research-from-booktrust-reveals-the-impact-of-parental-reading-enjoyment-on-childrens-reading-habits/">20% more likely</a> to enjoy it too.</p> <p>My research has found parents aren’t the only family members who play an important role in developing a passion for reading – extended family, from grandparents to siblings, uncles and great-aunts, also influence readers’ connections to books.</p> <p>I surveyed 160 Australian readers about their home bookshelves and reading habits. More than 80% of them acknowledged the significant influence of family in what and how they read. Reading to children is often <a href="https://www.booktrust.org.uk/globalassets/resources/research/booktrust-family-survey-research-briefing-2-reading-influencers.pdf">the invisible workload of mothers</a>: 95% of mothers read to children, compared to 67% of fathers.</p> <p>Yet intriguingly, those I surveyed – whose ages ranged from their early 20s to their 70s – collectively talked about books being passed down across eight generations.</p> <p>Family members were associated with their most valued books – and their identities as readers.</p> <h2>Treasured possessions</h2> <p>Books passed down through generations often become treasured possessions, embodying a shared family history. One person discussed an old hardcover copy of <a href="https://www.harpercollins.com.au/9780732284350/blinky-bill/">Blinky Bill</a> by Dorothy Wall. Originally given to her father and his siblings by their great-aunt in 1961, the book’s pages are now discoloured and falling out.</p> <p>“Although I always think of my mother as having been my reading role model,” she wrote, “actually my father had an equally big impact, just in another way.” Her father is a central organising figure on her home bookshelf: she has dedicated a whole shelf to the books he liked.</p> <p>The story she tells about his old copy of Blinky Bill, however, crosses generations. The book’s battered state is a testament to its longevity and well-loved status. Its inscription to her family members makes the copy unique and irreplaceable.</p> <p>Another person remembered a set of Dickens’ novels, complete with margin notes and century-old newspaper clippings, carefully stored with her most special books. These volumes, initially owned by her great-great-grandmother and later gifted by her great-aunt, represent a reading bond passed down through generations.</p> <p>Such books can never be replaced, no matter how many copies might be in circulation. These books are closely associated with memories and experiences – they are invaluable for who they represent.</p> <p>A third person has her father’s “old” Anne McCaffrey’s <a href="https://www.goodreads.com/series/40323-dragonriders-of-pern">Dragonriders of Pern</a> series: he read it to her as a teenager, then passed it down. The book “sparked” her interest in science-fiction, and she now intends to pass it on to her own teenager. Her book, too, is “battered”, with “chunks falling out when you read it”. The cover is falling off.</p> <p>The deteriorating state of a book is part of the book’s legacy. It shows how loved it has been. Reading passions can be deliberately cultivated through family, but their value is less connected to reading comprehension or literacy than a sense of connection through sharing.</p> <p>Inherited, much-loved books bind families together. They can anchor absent family members to the present. These books can come to symbolise love, connection and loss.</p> <p>The family members who’ve passed down their books might not be physically present in children’s lives – they may not be reading aloud to them at bedtime – but through their books, they can have a strong presence in their loved ones’ memories. That indelible trace can be sustained into adulthood.</p> <h2>Buying books for the next generation</h2> <p>Another way relatives contribute to a family reading legacy is by buying new copies of much-loved books for the next generation. Theresa Sheen, from The Quick Brown Fox, a specialist children’s bookstore in Brisbane, notes that customers often ask for copies of books they had when they were younger.</p> <p>They may have read them to their children and now want them for their grandchildren. For example, <a href="https://www.goodreads.com/series/40767-the-baby-sitters-club">The Babysitters Club series</a> by Ann M. Martin was mentioned multiple times as a nostalgic favourite, now being sought after by grandparents.</p> <p>Readers’ habits of re-buying favourite books can affect the publishing industry. With older children’s classics still selling, publishers seek to update the text to reflect contemporary cultural mores. Enid Blyton is one author who endures through intergenerational love and nostalgia. However, her work is regularly <a href="https://www.news.com.au/entertainment/books-magazines/books/enid-blytons-famous-five-books-edited-to-remove-offensive-words/news-story/47a63bb79a5d870f19aed58b19469bb5">edited and bowdlerised</a> to update it.</p> <p>Books can be imbued with the voices and emotions of others. They are more than just physical objects – they are vessels of shared experiences that can be passed down, up and across generations. This enduring bond between family members does more than preserve individual stories. It actively shapes and sustains a vibrant reading culture.<!-- 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/232372/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/emily-grace-baulch-1399683"><em>Emily Grace Baulch</em></a><em>, Producer at Ludo Studio &amp; Freelance Editor, <a href="https://theconversation.com/institutions/the-university-of-queensland-805">The University of Queensland</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/we-know-parents-shape-their-childrens-reading-but-so-can-aunts-uncles-and-grandparents-by-sharing-beloved-books-232372">original article</a>.</em></p> </div>

Family & Pets

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Are you over 75? Here’s what you need to know about vitamin D

<div class="theconversation-article-body"> <p><em><a href="https://theconversation.com/profiles/elina-hypponen-108811">Elina Hypponen</a>, <a href="https://theconversation.com/institutions/university-of-south-australia-1180">University of South Australia</a> and <a href="https://theconversation.com/profiles/joshua-sutherland-1646406">Joshua Sutherland</a>, <a href="https://theconversation.com/institutions/university-of-south-australia-1180">University of South Australia</a></em></p> <p>Vitamin D is essential for bone health, immune function and overall wellbeing. And it becomes even <a href="https://pubmed.ncbi.nlm.nih.gov/38337682/">more crucial</a> as we age.</p> <p>New guidelines from the international Endocrine Society <a href="https://pubmed.ncbi.nlm.nih.gov/38828931/">recommend</a> people aged 75 and over should consider taking vitamin D supplements.</p> <p>But why is vitamin D so important for older adults? And how much should they take?</p> <h2>Young people get most vitamin D from the sun</h2> <p>In Australia, it is possible for most people under 75 to get enough vitamin D from the sun <a href="https://healthybonesaustralia.org.au/your-bone-health/vitamin-d-bone-health">throughout the year</a>. For those who live in the top half of Australia – and for all of us during summer – we <a href="https://healthybonesaustralia.org.au/your-bone-health/vitamin-d-bone-health">only need</a> to have skin exposed to the sun for a few minutes on most days.</p> <p>The body can only produce a certain amount of vitamin D at a time. So staying in the sun any longer than needed is not going to help increase your vitamin D levels, while it will increase your risk of skin cancer.</p> <p>But it’s difficult for people aged over 75 to get enough vitamin D from a few minutes of sunshine, so the Endocrine Society <a href="https://pubmed.ncbi.nlm.nih.gov/38828931/">recommends</a> people get 800 IU (international units) of vitamin D a day from food or supplements.</p> <h2>Why you need more as you age</h2> <p>This is higher than the recommendation for younger adults, reflecting the increased needs and reduced ability of older bodies to produce and absorb vitamin D.</p> <p>Overall, older adults also tend to have <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC3356951/">less exposure</a> to sunlight, which is the primary source of natural vitamin D production. Older adults may spend more time indoors and wear more clothing when outdoors.</p> <p>As we age, our skin also becomes <a href="https://pubmed.ncbi.nlm.nih.gov/18290718/">less efficient</a> at synthesising vitamin D from sunlight.</p> <p>The kidneys and the liver, which help convert vitamin D into its active form, also lose some of their efficiency with age. This makes it <a href="https://www.sciencedirect.com/science/article/abs/pii/S0889852913000145">harder for the body to maintain</a> adequate levels of the vitamin.</p> <p>All of this combined means older adults need more vitamin D.</p> <h2>Deficiency is common in older adults</h2> <p>Despite their higher needs for vitamin D, people over 75 may not get enough of it.</p> <p>Studies <a href="https://www.abs.gov.au/articles/vitamin-d">have shown</a> one in five older adults in Australia have vitamin D deficiency.</p> <p>In higher-latitude parts of the world, such as the United Kingdom, <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC6627050/">almost half</a> don’t reach sufficient levels.</p> <p>This increased risk of deficiency is partly due to <a href="https://pubmed.ncbi.nlm.nih.gov/33309415/">lifestyle factors</a>, such as spending less time outdoors and insufficient dietary intakes of vitamin D.</p> <p>It’s difficult to get enough vitamin D from food alone. <a href="https://dietitiansaustralia.org.au/health-advice/vitamin-d">Oily fish, eggs and some mushrooms</a> are good sources of vitamin D, but few other foods contain much of the vitamin. While foods can be fortified with the vitamin D (margarine, some milk and cereals), these may not be readily available or be consumed in sufficient amounts to make a difference.</p> <p>In some countries such as the <a href="https://ods.od.nih.gov/factsheets/VitaminD-HealthProfessional/">United States</a>, most of the dietary vitamin D comes from fortified products. However, in <a href="https://pubmed.ncbi.nlm.nih.gov/35253289">Australia</a>, dietary intakes of vitamin D are typically very low because only a few foods are fortified with it.</p> <h2>Why vitamin D is so important as we age</h2> <p>Vitamin D <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC5367643/">helps the body absorb calcium</a>, which is essential for maintaining bone density and strength. As we age, our bones become more fragile, increasing the risk of fractures and conditions like osteoporosis.</p> <p>Keeping bones healthy is crucial. Studies <a href="https://pubmed.ncbi.nlm.nih.gov/28726112/">have shown</a> older people hospitalised with hip fractures are 3.5 times more likely to die in the next 12 months compared to people who aren’t injured.</p> <p>Vitamin D may also help <a href="https://pubmed.ncbi.nlm.nih.gov/28202713/">lower the risk</a> of respiratory infections, which can be more serious in this age group.</p> <p>There is also emerging evidence for other potential benefits, including <a href="https://pubmed.ncbi.nlm.nih.gov/29233204/">better brain health</a>. However, this requires more research.</p> <p>According to the society’s systematic review, which summarises evidence from randomised controlled trials of vitamin D supplementation in humans, there is <a href="https://pubmed.ncbi.nlm.nih.gov/38828931/">moderate evidence</a> to suggest vitamin D supplementation can lower the risk of premature death.</p> <p>The society estimates supplements can prevent six deaths per 1,000 people. When considering the uncertainty in the available evidence, the actual number could range from as many as 11 fewer deaths to no benefit at all.</p> <h2>Should we get our vitamin D levels tested?</h2> <p>The Endocrine Society’s guidelines <a href="https://pubmed.ncbi.nlm.nih.gov/38828931/">suggest</a> routine blood tests to measure vitamin D levels are not necessary for most healthy people over 75.</p> <p>There is no clear evidence that regular testing provides significant benefits, unless the person has a specific medical condition that affects vitamin D metabolism, such as kidney disease or certain bone disorders.</p> <p>Routine <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC10498906">testing</a> can also be expensive and inconvenient.</p> <p>In most cases, the <a href="https://pubmed.ncbi.nlm.nih.gov/38828931/">recommended approach</a> to over-75s is to consider a daily supplement, without the need for testing.</p> <p>You can also try to boost your vitamin D by adding fortified foods to your diet, which might lower the dose you need from supplementation.</p> <p>Even if you’re getting a few minutes of sunlight a day, a daily vitamin D is still recommended.<!-- 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/231820/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/elina-hypponen-108811">Elina Hypponen</a>, Professor of Nutritional and Genetic Epidemiology, <a href="https://theconversation.com/institutions/university-of-south-australia-1180">University of South Australia</a> and <a href="https://theconversation.com/profiles/joshua-sutherland-1646406">Joshua Sutherland</a>, PhD Candidate - Nutrition and Genetic Epidemiology, <a href="https://theconversation.com/institutions/university-of-south-australia-1180">University of South 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/are-you-over-75-heres-what-you-need-to-know-about-vitamin-d-231820">original article</a>.</em></p> </div>

Body

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How do I know when it’s time to replace my running shoes?

<div class="theconversation-article-body"> <p><em><a href="https://theconversation.com/profiles/john-arnold-178470">John Arnold</a>, <a href="https://theconversation.com/institutions/university-of-south-australia-1180">University of South Australia</a> and <a href="https://theconversation.com/profiles/joel-fuller-2210202">Joel Fuller</a>, <a href="https://theconversation.com/institutions/macquarie-university-1174">Macquarie University</a></em></p> <p>Any runner will tell you there’s nothing better than slipping on a brand new pair of shoes. But how regularly should runners fork out hundreds of dollars on their next pair?</p> <p>Conventional wisdom tells us the average lifespan of a running shoe is around 500 to 800 kilometres. But where did this advice come from, and is it based on science?</p> <p>Some evidence comes from <a href="https://doi.org/10.1177/0363546585013004">impact testing</a> with machines designed to simulate the shoe repeatedly contacting the ground during running. Other evidence comes from <a href="https://doi.org/10.1080/19424280.2010.519348">monitoring runners who have used shoes in the real world</a> for long periods.</p> <p>This research is often focused on shoe materials and structure. But we think more compelling markers for the runner are shoe comfort, performance benefit and injury risk.</p> <p>Rather than seeking a “one-size-fits-all” answer to how many kilometres your shoes should be limited to, it’s also better to consider individual signs based on your shoe type and its purpose.</p> <h2>The three signs to watch for</h2> <p>Runners tend to replace their shoes for three main reasons:</p> <ol> <li>they believe their performance is being negatively impacted</li> <li>their shoes are leading to some bodily discomfort which may cause (or has already caused) an injury</li> <li>the shoes are no longer comfortable or “feel” as good as they used to.</li> </ol> <p>So what does the evidence say about these factors?</p> <h2>Performance</h2> <p>Some shoe material properties do contribute to enhanced running efficiency. Degrading these materials by racking up the kilometres may hinder peak performance on race day.</p> <p>This is most clearly seen in carbon fibre plate shoes used by modern elite runners to achieve <a href="https://doi.org/10.1007/s40279-020-01420-7">rapid road race times</a>. The design features <a href="https://doi.org/10.1007/s40279-018-1024-z">thought to drive this</a> are the combination of highly compliant and resilient midsole foam and a stiff embedded carbon fibre plate, which support energy storage and return.</p> <p>Runners will typically “save” these shoes for race day and replace them after fewer kilometres, compared to conventional running shoes.</p> <p>The available research does support the <a href="https://doi.org/10.1007/s40279-017-0811-2">performance benefits of these shoes</a>. However, it’s not known how long the benefits last relative to kilometres of wear.</p> <p>To our best knowledge, there’s only one study on running performance and shoe wear, but unfortunately it did not involve carbon fibre plate shoes. A University of Connecticut 2020 <a href="http://hdl.handle.net/11134/20002:860659513">master’s thesis</a> investigated eight college-level runners over 400 miles (643km) of Nike Pegasus shoe use.</p> <p>Large reductions in running economy were reported at 240km, and this was statistically significant at 320km. No reduction was observed at 160km.</p> <p>So, if you’re chasing personal best times, the evidence above suggests that for peak performance, shoes should be replaced somewhere between 160 and 240km (although this is not directly based on carbon fibre plate shoe research).</p> <p>It appears that minimising training kilometres for your favourite racing shoes – keeping them “fresh” – could contribute to peak performance on race day, compared to racing in a pair of old shoes.</p> <h2>Injury or discomfort</h2> <p>The link between shoe wear and injury is unclear, and based on <a href="https://bjsm.bmj.com/content/37/3/239">minimal and often conflicting evidence</a>.</p> <p>One study did find that <a href="https://doi.org/10.1111/sms.12154">runners who alternate their running shoes</a> have a lower risk of injury than runners who run only in the same pair of shoes over a 22-week period. Runners who alternated shoes throughout the study period would have accumulated less wear in each shoe.</p> <p>This provides some support for the notion that accumulating too many kilometres in your shoes may increase risk of injury. Unfortunately, the exact age of running shoes was not reported in this study.</p> <p>However, based on the running characteristics reported, the single-shoe pair users completed an average of 320km in their shoes (after adjusting for a small fraction who had to replace shoes during the study).</p> <p>This was compared to the multi-shoe pair users who used an average of 3.6 pairs of shoes, ran more total kilometres, but accumulated an average of only 200km per shoe pair.</p> <h2>Comfort</h2> <p>Comfort and fit are the <a href="https://www.tandfonline.com/doi/full/10.1080/19424280.2024.2353597#abstract">two most important factors</a> to runners when selecting running shoes. Evidence linking improved shoe comfort to <a href="https://journals.lww.com/acsm-msse/fulltext/2001/11000/relationship_between_footwear_comfort_of_shoe.21.aspx">reduced injury rates</a> or <a href="https://www.tandfonline.com/doi/full/10.1080/17461391.2019.1640288">improved running economy</a> is mixed, but reducing harms from poorly fitting and uncomfortable shoes is clearly a priority for runners.</p> <p>Most <a href="https://commons.nmu.edu/isbs/vol35/iss1/293/">runners land on their heel</a>. The repeated compression of the midsole causes the material to harden, possibly after as <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC5534152/pdf/ijspt-12-616.pdf">little as 160km</a>, according to one study from 2017. However, there was virtually no change in the amount of cushioning runners perceived under their heel after 160km. Even after using the shoes for 640km, they felt little difference – about 3%.</p> <p>While at first this might seem like runners are not very good at judging when shoes lose their cushioning, it also tells us changes in perceived shoe cushioning are very gradual and may not be important for runners until they reach a certain threshold.</p> <p>This amount will differ from person to person, and from shoe to shoe, but research suggests it’s not until perceived cushioning reaches about a <a href="https://www.tandfonline.com/doi/full/10.1080/02640414.2020.1773613?casa_token=P87vatZhOlgAAAAA%3ACu11TZmGjKc1xYsaUlEVfWvZDvcSnx3qgKL1E2DsRYwf6hMvBiyVAm-M_-4Iauq4lwHna0QMu1IRmw">10% change</a> that runners consider it meaningful.</p> <p>We must be careful when applying these findings to the latest running shoes which use newer materials.</p> <p>But you can use it as a rule of thumb – once you notice a drop in comfort, it’s time to get a new pair.</p> <h2>When to choose new shoes</h2> <p>Ultimately, there’s no one simple answer for when you should get new running shoes. You may also not keep close track of how many kilometres your favourite pair has racked up.</p> <p>Overall, we believe the most practical advice is to keep your racing shoes “fresh” (under 240km), alternate a couple of other pairs during regular training, and replace them when you detect a notable drop in comfort.<!-- 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/238997/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/john-arnold-178470">John Arnold</a>, Senior lecturer, Sport &amp; Exercise Biomechanics, <a href="https://theconversation.com/institutions/university-of-south-australia-1180">University of South Australia</a> and <a href="https://theconversation.com/profiles/joel-fuller-2210202">Joel Fuller</a>, Senior Lecturer, Department of Health Sciences, <a href="https://theconversation.com/institutions/macquarie-university-1174">Macquarie 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-do-i-know-when-its-time-to-replace-my-running-shoes-238997">original article</a>.</em></p> </div>

Beauty & Style

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How to know when it’s time to start therapy

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/simon-sherry-557487">Simon Sherry</a>, <a href="https://theconversation.com/institutions/dalhousie-university-1329">Dalhousie University</a></em></p> <p>People go to therapy for many reasons. A challenging life event, trauma, volatile emotions, relationship problems, poor mental health: all can prompt someone to seek it out.</p> <p>Whatever the reason, it can be difficult to decide when and if therapy is right for you.</p> <p>If you’re reading this, now’s probably the right time. If you’re considering therapy, something is likely bothering you and you want help. Consider this your sign to reach out.</p> <p>If you’re still unsure, keep reading.</p> <h2>Why therapy?</h2> <p>Sometimes, our minds work against us. Therapy can help you understand why you think, feel, or act how you do <em>and</em> give you the skills you need to think, feel, or act in healthier ways.</p> <p>This includes helping you:</p> <ul> <li> <p>identify, understand, and overcome internal obstacles</p> </li> <li> <p>identify and challenge thought patterns and beliefs that are holding you back</p> </li> <li> <p>improve your mental health</p> </li> <li> <p>cope with mental illness</p> </li> <li> <p>and create lasting changes to your thoughts and behaviour that can improve all areas of your life.</p> </li> </ul> <p> </p> <h2>When your mental health is suffering</h2> <p>Everyone experiences negative emotions in difficult situations — like sadness after a breakup or anxiety before a big life event. But when do these feelings become problematic? When you have <a href="https://www.canada.ca/en/public-health/services/about-mental-health.html">poor mental health</a>.</p> <p>Mental health and mental illness <a href="https://cmha.ca/news/mental-health-what-is-it-really/">are distinct</a>, but related, concepts. <a href="https://dictionary.apa.org/mental-health">Mental health</a> refers to the inner resources you have to handle life’s ups and downs. You have good mental health if you enjoy life; feel connected to others; cope well with stress; and have a sense of purpose, a sense of self and strong relationships.</p> <p>If you have poor mental health, it can be hard to adapt to changes like a breakup, move, loss or parenthood. Therapy can help you improve your mental health, develop resilience and maintain a state of well-being.</p> <p><a href="https://www.canada.ca/en/public-health/services/about-mental-illness.html">Mental illness</a> refers to distressing disturbances in thoughts, feelings and perceptions that interfere with daily life. There are <a href="https://cmha.ca/brochure/mental-illnesses/">different kinds</a> of mental illness, each characterized by different thoughts, feelings and behaviours.</p> <p>Mental illness may feel like:</p> <ul> <li> <p><strong>Hopelessness</strong> — feeling stuck, unmotivated or helpless.</p> </li> <li> <p><strong>Apathy</strong> — feeling uninterested in things that used to give you satisfaction or pleasure.</p> </li> <li> <p><strong>Anger</strong> — feeling rage or resentment, especially frequently or disproportionately.</p> </li> <li> <p><strong>Stress</strong> — feeling overwhelmed, unable to cope, unwilling to rest or like everything is hard (even if you know it shouldn’t be).</p> </li> <li> <p><strong>Guilt</strong> — feeling ashamed, undeserving of good things or deserving of bad things.</p> </li> <li> <p><strong>Anxiety</strong> — worrying about what has or might happen or having disturbing intrusive thoughts.</p> </li> <li> <p><strong>Exhaustion</strong> — sleeping more than usual, having difficulty getting out of bed or lacking energy during the day.</p> </li> <li> <p><a href="https://doi.org/10.1016/S2215-0366(20)30136-X"><strong>Insomnia</strong></a> — having difficulty falling or staying asleep.</p> </li> </ul> <p>Both poor mental health and mental illness are equally good reasons to seek therapy.</p> <p>Ask yourself: Am I having trouble dealing with life challenges?</p> <p>If the answer is yes, therapy might be for you.</p> <p>People often cope with the feelings listed above in different ways. <a href="https://www.nami.org/wp-content/uploads/2023/11/NAMI-Warning-Signs-FINAL.pdf">Some gain or lose a lot of weight</a>. Others might seek out or do things that are unhealthy for them, like entering a toxic relationship, engaging in dangerous activities, developing an unhealthy habit or procrastinating. Others might isolate themselves from friends and family, or catastrophize and <a href="https://pubmed.ncbi.nlm.nih.gov/22468242">ruminate on negative experiences</a>.</p> <p>However it manifests, <a href="https://namica.org/what-is-mental-illness/">mental illness often gets worse if left untreated</a>. It can have very real impacts on your life, potentially leading to unemployment, broken relationships, poor physical health, substance abuse, homelessness, incarceration or even suicide.</p> <p>Ask yourself: Is mental illness negatively affecting my functioning or well-being?</p> <p>If the answer is yes, therapy might be for you.</p> <h2>What if therapy didn’t work before?</h2> <p>Many people put off going to therapy because they don’t think their problems are serious enough, but you don’t need a big, deep reason to start therapy.</p> <p>Some people go to therapy to learn more about themselves. Some, to improve their skills, relationships or productivity. Others go for help reaching their goals or because they aren’t happy and don’t know why. Any of these are good reasons to start therapy, even if they don’t seem like “problems” in a traditional sense. You can go to therapy just because there’s something about yourself or your life you’d like to explore.</p> <p>Therapy is a process. Whether psychotherapy works for you depends on many factors, such as time, effort and your psychologist.</p> <p>There’s no quick fix for mental health. Symptoms can take weeks, months or even years to improve. Although this can be frustrating or disheartening, for therapy to work, you have to give it time.</p> <p>Sometimes people go to therapy, but are skeptical or resistant. Therapy won’t work if you aren’t invested in it. For therapy to work, you have to put in the work.</p> <p>Therapy is a vulnerable process, so finding a psychologist you trust and relate well with is crucial. Psychologists also have different specialities and approaches. For therapy to work, you have to find the right therapist for you.</p> <h2>What if I’m not ready?</h2> <p>There are several reasons why now might not be the right time for you to start therapy. Maybe therapy isn’t in the budget. Maybe you have other priorities. Maybe you’re scared to relive trauma. That’s okay. Therapy can be expensive and difficult, but also rewarding. Just because now isn’t a good time, doesn’t mean there will never be a good time.</p> <p>If you don’t want to start therapy, don’t. However, it can be helpful to determine why you don’t want to.</p> <p>Maybe you don’t want to go to therapy because you’re worried what others might think. If so, remember that people are often <a href="https://www.camh.ca/en/driving-change/the-crisis-is-real/mental-health-statistics">more understanding</a> than we anticipate, and there is nothing wrong with investing in your health or happiness.</p> <p>If you’re struggling with your mental health, know that you’re not alone. Mental health issues are common. Having them or attending therapy does not mean there is something “wrong” with you.</p> <p>Mental illness affects <a href="https://www.who.int/news-room/fact-sheets/detail/mental-disorders">970 million people</a> and is the leading cause of disability worldwide. <a href="https://www.camh.ca/en/driving-change/the-crisis-is-real/mental-health-statistics">One in five</a> <a href="https://www.nami.org/about-mental-illness/mental-health-by-the-numbers/">adults</a> and more than <a href="https://doi.org/10.1001/jamapsychiatry.2023.5051">one in 10 children and youths</a> have mental illness. About <a href="https://health-infobase.canada.ca/datalab/mental-illness-blog.html">15 per cent of Canadians</a> use mental health services each year.</p> <p>Don’t let stigma keep you from bettering your life and well-being. Everyone deserves to live a healthy, fulfilling life. Therapy can help you get there.<!-- 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/234078/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/simon-sherry-557487"><em>Simon Sherry</em></a><em>, Clinical Psychologist and Professor in the Department of Psychology and Neuroscience, <a href="https://theconversation.com/institutions/dalhousie-university-1329">Dalhousie 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-know-when-its-time-to-start-therapy-234078">original article</a>.</em></p> </div>

Mind

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Sorting a loved one’s finances after their death – what you need to know

<div class="theconversation-article-body"> <p><em><a href="https://theconversation.com/profiles/kate-reed-1548385">Kate Reed</a>, <a href="https://theconversation.com/institutions/university-of-sheffield-1147">University of Sheffield</a></em></p> <p>Financial anxiety is often talked about, but rarely in the context of bereavement. Following the death of a loved one, relatives usually have to complete a range of financial “death administration” tasks.</p> <p>These can be anything from closing bank accounts and settling utility bills to managing probate (things like property sales, asset management and inheritance distribution). The <a href="https://bereavementcommission.org.uk/media/xube5elb/ukbc_summary_report_low-res.pdf">UK Commission on Bereavement</a> has estimated that 61% of adults struggle to deal with such time consuming and time sensitive administrative responsibilities.</p> <p>While research has begun to shed light on some of the financial difficulties bereaved people can face after the death of a <a href="https://bmcwomenshealth.biomedcentral.com/articles/10.1186/s12905-015-0194-1">spouse</a> or a <a href="https://onlinelibrary.wiley.com/doi/abs/10.1111/1468-4446.12190">family member</a>, the emotional toll of navigating financial admin after bereavement remains <a href="https://www.bereavementjournal.org/index.php/bcj/article/view/1114">largely invisible</a>.</p> <p>But the good news is there are several resources that can help bereaved people to navigate these processes, including the UK government’s own <a href="https://www.gov.uk/when-someone-dies">step-by-step guide</a>. We conducted <a href="https://thenbs.org/partnerships/death-admin-research-report">research</a> on death admin in collaboration with the <a href="https://thenbs.org/">National Bereavement Service</a>, an organisation that provides free practical and emotional support for anyone who has lost a loved-one. The study showed how government services provide a gateway to sorting out a range of financial issues.</p> <p>Financial organisations require proof of the death through a death certificate. This is provided when you <a href="https://www.gov.uk/when-someone-dies">register</a> a death with the local registrar of births, marriages and deaths. Where there is an inquest, an interim death certificate will be issued.</p> <p>Often, multiple copies of the death certificate are needed. And, at £12.50 for <a href="https://www.gov.uk/order-copy-birth-death-marriage-certificate">each copy</a> (£12 in <a href="https://www.mygov.scot/birth-death-marriage-certificate#:%7E:text=You%20can%20order%20a%20certificate,orders%20made%20in%20another%20way.">Scotland</a>), the financial burden falling on bereaved people can quickly grow.</p> <p>In terms of tax, pensions and benefits, the registrar provides a unique reference number that bereaved people can use to inform the government through a service called <a href="https://www.gov.uk/after-a-death/organisations-you-need-to-contact-and-tell-us-once">Tell Us Once</a>.</p> <p>This is an initiative that notifies national and local government bodies including HM Revenue and Customs (to deal with personal tax and to cancel certain benefits and tax credits) and the Department for Work and Pensions (to cancel benefits and entitlements like universal credit or the state pension). The <a href="https://www.gov.uk/valuing-estate-of-someone-who-died?step-by-step-nav=4f1fe77d-f43b-4581-baf9-e2600e2a2b7a">government website</a> also provides help on how to value the person’s estate and work out inheritance tax.</p> <h2>Avoiding family fall-outs</h2> <p>But other financial aspects of death administration can be more challenging to navigate.</p> <p>Probate, for example, is the legal right to deal with someone’s property, money and possessions (their “estate”) when they die. You can <a href="https://www.gov.uk/applying-for-probate?step-by-step-nav=4f1fe77d-f43b-4581-baf9-e2600e2a2b7a">check</a> on the UK government website whether you require probate.</p> <p>It remains one of the most challenging aspects of death administration. Our <a href="https://thenbs.org/partnerships/death-admin-research-report">research</a> shows that people often seek legal advice to manage probate because they are scared to get things wrong, or because they want to avoid future disputes with family members.</p> <p>The process of closing bank accounts and managing assets can be straightforward when the deceased person had made clear arrangements and had few bank accounts. But financial concerns often arise in situations where there are multiple or complicated banking systems. As one of the participants in our research stated: “It’s been a real mess … my dad had quite a few properties, and it’s been quite difficult winding those down.”</p> <p>Worse still, bereaved people can face threatening letters from companies like utilities providers in relation to bills and closing accounts. We found organisations often lack compassion in this context.</p> <p>We encountered cases of companies continuing to write directly to the deceased person, causing further distress to their loved-ones. One of our participants told us that their stepmother was “still getting the bill with my father’s name on, which distresses her”.</p> <p>It is also worth noting that certain types of death present particular administrative and financial challenges. For example, in 2022 17% of deaths in England and Wales were subject to a <a href="https://www.gov.uk/government/statistics/coroners-statistics-2022/coroners-statistics-2022-england-and-wales#inquests-opened">coroner’s inquest</a>.</p> <p>These deaths can be more difficult to administer on the Tell Us Once initiative due to the time-lag and extra bureaucracy involved. In addition, many people die without a will, which usually makes navigating financial issues much harder.</p> <p>The location of the death can also have financial implications. For example, our <a href="https://www.bereavementjournal.org/index.php/bcj/article/view/1114">research</a> shows how financing a care home stay is usually interconnected with inheritance or selling the person’s house, which places extra pressure on those trying to release the funds.</p> <p>Many organisations could make their administrative processes clearer and train their staff to be more compassionate towards people who have recently been bereaved.</p> <p>There are, however, glimmers of hope that things are improving. My own father died last year and while my experiences of helping my mum deal with the financial aspects of death administration have been mixed, we did experience many acts of kindness and compassion along the way.</p> <p>There is also excellent practical guidance out there from organisations like the <a href="https://thenbs.org/">National Bereavement Service</a>, which along with emotional support from charities like <a href="https://www.cruse.org.uk/">Cruse Bereavement Support</a> are vital to helping people navigate complex administrative systems.</p> <p>The COVID pandemic and death of the queen in 2022 have likely meant that, as a society, we are talking more about death and grief both publicly and privately. Death and bereavement happen to us all, and it is crucial that we talk more openly, not just about our emotional concerns, but about the practical and financial implications 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/231967/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/kate-reed-1548385">Kate Reed</a>, Professor of Sociology and Director of the Sheffield Methods Institute, <a href="https://theconversation.com/institutions/university-of-sheffield-1147">University of Sheffield</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/sorting-a-loved-ones-finances-after-their-death-what-you-need-to-know-231967">original article</a>.</em></p> </div>

Money & Banking

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Castor oil is all the rage among health influencers – what you need to know about this alternative remedy

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/veronique-seidel-1542416">Veronique Seidel</a>, <a href="https://theconversation.com/institutions/university-of-strathclyde-1287"><em>University of Strathclyde</em> </a></em></p> <p>Castor oil, which was once used by fascists in Italy as <a href="https://www.rcpe.ac.uk/remoteandruralremedies/activities/exhibitions/medicines.html#:%7E:text=Due%20to%20its%20use%20as,the%20bludgeon%20and%20castor%20oil'.">punishment</a> because of its quick-acting laxative effect, is now a weight-loss trend on TikTok. Not drinking it, but rubbing it on your belly.</p> <p>Influencers are also pouring it in their belly buttons and wrapping towels soaked in it around their midriff. They claim it can <a href="https://www.tiktok.com/@karinawaldron/video/7333667470756072709?lang=en">melt belly fat</a> and <a href="https://www.tiktok.com/@sarahjmce/video/7322670147473362207?lang=en&amp;q=castor%20oil&amp;t=1716463274921">help with bloating</a>.</p> <p>Castor oil – made from the beans of the castor plant – is an ancient medicine. References to it appear in an ancient Egyptian medical text called the <a href="https://www.nationalgeographic.com/premium/article/castor-oil-real-health-benefits">Ebers Papyrus</a> (1550BC). It was used as a laxative and to treat various skin conditions. Cleopatra is said to have <a href="https://www.washingtonpost.com/lifestyle/wellness/cleopatra-used-it-as-a-beauty-aid-now-castor-oil-is-staging-a-cosmetics-comeback/2019/07/05/2d457584-92c5-11e9-aadb-74e6b2b46f6a_story.html?itid=sr_1_4c3daa8b-2b15-41d9-9b45-f1b2af1d7cf7">used it</a> in her hair and to brighten the whites of her eyes.</p> <p>The odourless oil is rich in a fatty substance called ricinoleic acid that strongly stimulates bowel movements. Today, it is an approved <a href="https://dps.fda.gov/omuf/monographsearch/monograph_m007">over-the-counter remedy</a> in some countries for short-term constipation and is used for cleansing the bowel before medical examinations. However, there’s not much scientific evidence to indicate that this laxative effect is better than other commonly used laxatives, such as <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC3862068/">senna</a> – which has also been used for centuries.</p> <p>Other reported traditional uses for the oil include as a cure for sore and itchy eyes, to relieve joint and period pain, and as a means to induce labour. But, again, the evidence for these things is scant.</p> <p>Castor oil isn’t just imbibed, it is also widely used in skin creams, hair conditioners and other cosmetic products, such as lipsticks. It is used to moisturise, soothe irritated skin and reduce the appearance of wrinkles. Its moisturising properties have been attributed to ricinoleic acid.</p> <p>As part of haircare products, it is said to help with hair loss and dandruff.</p> <p>But taking castor oil as a standalone product is not risk free. The main side-effects of imbibing the oil are abdominal cramps, vomiting, bloating and dizziness.</p> <p>Vulnerable people, such as the elderly, babies, pregnant or breastfeeding women, and those with liver or kidney failure should avoid taking castor oil. As should anyone with inflammatory bowel disease, appendicitis or gastrointestinal obstruction or perforation.</p> <p>The side-effects of castor oil can also be exacerbated in people with <a href="https://www.degruyter.com/document/doi/10.1515/jom-1988-880520/html">eating disorders</a> who may choose to use the oil to lose weight by speeding up the passage of food through the gut.</p> <p>However, if you want to apply the oil to your skin or scalp, proceed with caution. In some people, it can trigger an allergic reaction.</p> <p>It is always advised to apply a small amount of pure castor oil or a castor oil-containing cosmetic product onto a small patch of skin. If there is no allergic reaction after 24 hours, then it can be assumed that the product can be applied safely to a larger area of the body.</p> <p>Ultimately, though, there are generally safer and better remedies out there. And rubbing it on your belly – sadly – won’t melt the fat.<!-- 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/232782/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/veronique-seidel-1542416">Veronique Seidel</a>, Senior Lecturer, Pharmacy and Biomedical Sciences, <a href="https://theconversation.com/institutions/university-of-strathclyde-1287">University of Strathclyde</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/castor-oil-is-all-the-rage-among-health-influencers-what-you-need-to-know-about-this-alternative-remedy-232782">original article</a>.</em></p> </div>

Body

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I feel sick. How do I know if I have the flu, COVID, RSV or something else?

<div class="theconversation-article-body"> <p><em><a href="https://theconversation.com/profiles/natasha-yates-1213624">Natasha Yates</a>, <a href="https://theconversation.com/institutions/bond-university-863">Bond University</a></em></p> <p>You wake with a sore throat and realise you are sick. Is this going to be a two-day or a two-week illness? Should you go to a doctor or just go to bed?</p> <p>Most respiratory illnesses have very similar symptoms at the start: sore throat, congested or runny nose, headache, fatigue and fever. This may progress to a dry cough.</p> <p>Best case scenario is that you have “<a href="https://lungfoundation.com.au/wp-content/uploads/2018/09/Factsheet-Common-Cold-Mar2016.pdf">a cold</a>” (which can be any one of hundreds of viruses, most commonly rhinovirus), which is short-lived and self-limiting.</p> <p>But some respiratory illnesses can be much more serious. Here is a brief guide to some important bugs to know about that are circulating this winter, and how to work out which one you have.</p> <h2>Respiratory syncytial virus (RSV)</h2> <p>For most people an RSV infection will feel like “a cold” – annoying, but only lasting a few days.</p> <p>However, for babies, older adults and people with immune issues, it can lead to <a href="https://www.rch.org.au/kidsinfo/fact_sheets/bronchiolitis/">bronchiolitis</a> or pneumonia, and even become life-threatening.</p> <p>RSV isn’t seasonal, which means you are just as likely to get it in summer as in winter. However, it is highly contagious so we noticed it <a href="https://pubmed.ncbi.nlm.nih.gov/32986804">disappearing almost completely</a> during COVID lockdowns.</p> <p>There is now a <a href="https://www.tga.gov.au/sites/default/files/2024-02/covid-19-rapid-antigen-self-tests-are-approved-australia-ifu-406813.PDF">rapid-antigen test (RAT) for RSV</a> which also checks for influenza and COVID, and is the best way of finding out if RSV is what is causing symptoms.</p> <p>Recently, a preventative immune therapy has become available for high risk babies (<a href="https://www.schn.health.nsw.gov.au/respiratory-syncytial-virus-rsv-monoclonal-antibody-factsheet">nirsevimab</a>) and there are also <a href="https://ncirs.org.au/ncirs-fact-sheets-faqs-and-other-resources/respiratory-syncytial-virus-rsv-frequently-asked">vaccines for higher risk adults</a>. Nirsevimab is also available to all babies for free in <a href="https://www.health.wa.gov.au/Articles/N_R/Respiratory-syncytial-virus-RSV-immunisation">Western Australia</a> and <a href="https://www.health.qld.gov.au/clinical-practice/guidelines-procedures/diseases-infection/immunisation/paediatric-rsv-prevention-program">Queensland</a>.</p> <p>But there are no specific treatments. Adults who get it simply have to ride it out (using whatever you need to <a href="https://www.mayoclinic.org/diseases-conditions/common-cold/diagnosis-treatment/drc-20351611">manage symptoms</a>).</p> <p>Babies and higher risk patients need to present to an emergency department if they test positive for RSV and are also looking or feeling very unwell (this might mean rapid shallow breathing, fevers not coming down with paracetamol or ibuprofen, a baby not feeding, mottled-looking skin, or going blue around the mouth).</p> <p>If a patient has developed a bronchiolitis or pneumonia, they may need to be hospitalised.</p> <h2>Influenza</h2> <p>Once you have had the “true flu” (influenza), you will find it frustrating when people call their sniffly cold-like symptoms a “flu”.</p> <p>Influenza infections generally start with a sore throat and headache which quickly turns into high fevers, generalised aches and excessive fatigue. You feel like you have been hit by a truck and may struggle to get out of bed. This can last a week or more, even in people who are generally fit and healthy.</p> <p>Influenza is a major public health issue internationally, with 3–5 million cases of severe illness and <a href="https://www.who.int/news-room/fact-sheets/detail/influenza-(seasonal)">290,000 to 650,000 respiratory deaths annually</a>.</p> <p>People who are at <a href="https://immunisationhandbook.health.gov.au/contents/vaccine-preventable-diseases/influenza-flu">greater risk of complications</a> from influenza include pregnant women, children under five, adults aged 65 and over, First Nations peoples, and people with chronic or immunosuppressive medical conditions. For this reason, annual vaccination is <a href="https://www.health.gov.au/topics/immunisation/vaccines/influenza-flu-vaccine">recommended and funded</a> for vulnerable people.</p> <p>Vaccination is also readily available for <a href="https://www.health.gov.au/topics/immunisation/immunisation-contacts">all Australians who want it</a>, through pharmacies as well as medical clinics, usually at a cost of less than A$30. In <a href="https://www.vaccinate.initiatives.qld.gov.au/what-to-vaccinate-against/influenza#:%7E:text=The%20flu%20vaccine%20is%20free,.qld.gov.au">some states</a>, it’s free for all residents.</p> <p>Influenza is seasonal, with definite peaks in the winter months. This is why vaccines are offered from early autumn.</p> <p>If you think you may have influenza, there are now home-testing RATs: all current influenza RATs are in combination with COVID RATs, as the symptoms overlap.</p> <p>Treatment for most people is to manage symptoms and try to avoid spreading it around. Doctors can also <a href="https://theconversation.com/i-think-i-have-the-flu-should-i-ask-my-gp-for-antivirals-210457">prescribe antivirals</a> to vulnerable patients; these work best if started within 48 hours of symptoms.</p> <h2>COVID</h2> <p>It has been less than five years since COVID-19, caused by SARS-CoV-2, started to spread around the world in pandemic proportions. Although COVID is no longer a <a href="https://www.health.gov.au/news/ahppc-statement-end-of-covid-19-emergency-response">public health emergency</a>, it still causes <a href="https://www.abs.gov.au/articles/deaths-due-covid-19-influenza-and-rsv-australia-2022-may-2024">more deaths than influenza and RSV combined</a>.</p> <p>Unlike RSV and influenza, only those <a href="https://www.health.gov.au/topics/covid-19/protect-yourself-and-others/high-risk-groups">aged over 70</a> are in a high-risk age group for COVID. Other <a href="https://www.cdc.gov/covid/risk-factors/?CDC_AAref_Val=https://www.cdc.gov/coronavirus/2019-ncov/need-extra-precautions/people-with-medical-conditions.html">factors besides age</a> may put you at higher risk of becoming very unwell when infected by this virus. This includes having other respiratory diseases (such as asthma or chronic obstructive pulmonary disease, also known as COPD), diabetes, cancer, kidney disease, obesity or heart disease.</p> <p>Unlike most respiratory viruses, SARS-CoV-2 tends to set off inflammation beyond the respiratory system. This can involve a range of other organs including the heart, kidneys and blood vessels.</p> <p>Although most people are back to their usual work or study after a week or two, a significant proportion go on to experience extended symptoms such as fatigue, breathlessness, brain fog and mood changes. When these last <a href="https://aci.health.nsw.gov.au/statewide-programs/critical-intelligence-unit/post-acute-sequelae">more than 12 weeks</a>, without any other explanation for symptoms, it’s called <a href="https://www.healthdirect.gov.au/covid-19/post-covid-symptoms-long-covid">long COVID</a>.</p> <p>COVID vaccines can prevent serious illness and have been <a href="https://pubmed.ncbi.nlm.nih.gov/38282394/">monitored</a> for several years now for their safety and effectiveness. Current vaccination recommendations are <a href="https://www.health.gov.au/resources/publications/atagi-statement-on-the-administration-of-covid-19-vaccines-in-2024?language=en">based on age and immune status</a>. It’s worth discussing them with your doctor if you are unsure whether you would benefit or not.</p> <p><a href="https://www.health.gov.au/topics/covid-19/oral-treatments">Antivirals</a> can treat COVID in higher-risk people who contract it, whether vaccinated or not.</p> <p>Specific advice about what to do if you test positive on a RAT will vary according to your current state guidelines and workplace, however the <a href="https://www.health.gov.au/topics/covid-19/testing-positive">general principles</a> are always: avoid spreading the virus to others, and give yourself time to rest and recover.</p> <hr /> <p><iframe id="ConNR" class="tc-infographic-datawrapper" style="border: 0;" src="https://datawrapper.dwcdn.net/ConNR/" width="100%" height="400px" frameborder="0" scrolling="no"></iframe></p> <hr /> <h2>What if it’s not one of those?</h2> <p>So you’ve done your combined RSV/flu/COVID RAT and the result is negative. But you still have symptoms. What else could it be?</p> <p>More than 200 different viruses can cause cold and flu symptoms, including rhinovirus (mentioned above), adenovirus and sometimes even <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC2130424/">undefined pathogens</a>.</p> <p>If an illness progresses to a cough which will not go away, and/or you start coughing up sputum, this could be a bacterial infection, such as pertussis (whooping cough), <em>streptococcus pneumoniae</em>, <em>haemophilus influenzae</em> or <em>moraxella catarrhalis</em>. So it’s worth <a href="https://www.racgp.org.au/getattachment/0a637812-c8f0-45a2-af9c-fa215b64f8e4/attachment.aspx">getting assessed by a GP</a> who may do a chest Xray and/or <a href="https://www.rcpa.edu.au/Manuals/RCPA-Manual/Pathology-Tests/M/MCS-sputum">test your sputum</a>, particularly if they suspect pneumonia.</p> <p>You also may also start out with what is clearly a viral infection but then get a secondary bacterial infection later. So if you are getting more unwell over time, it’s worth getting tested, in case antibiotics will help.</p> <p>However, taking antibiotics for a purely viral illness will not only be useless, it can contribute to harmful <a href="https://www.nps.org.au/consumers/antibiotic-resistance-the-facts">antibiotic resistance</a> and give you unwanted side effects.<!-- 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/234266/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/natasha-yates-1213624">Natasha Yates</a>, General Practitioner, PhD Candidate, <a href="https://theconversation.com/institutions/bond-university-863">Bond 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/i-feel-sick-how-do-i-know-if-i-have-the-flu-covid-rsv-or-something-else-234266">original article</a>.</em></p> </div>

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Second marriage asset protection: What you need to know

<p>Of paramount importance for many people in a second marriage is how to protect their assets if their relationship breaks down, or in the event of their death. Although second marriages bring a level of complexity, there are a number of strategies that you can implement to ensure that your assets are protected.</p> <p>Let’s explore some of the options available to you and what you need to know to protect your assets.</p> <p><strong>Binding Financial Agreement</strong></p> <p>A Binding Financial Agreement, often referred to as a pre-nup, allows you and your spouse to put in place a legal agreement which outlines how your assets will be dealt with in the event that your relationship breaks down. Should you wish, it can also extend to the provision of financial support for either party. The intention is for each party to protect their own assets, and such agreements can be put in place prior to a marriage or during a marriage if both parties consent.</p> <p>Like any legal document, a Binding Financial Agreement needs to be well drafted to ensure that it encompasses all relevant information, and it is important that you seek the advice of a family lawyer to assist you with putting this important document in place.</p> <p><strong>Joint Assets v Individual Assets</strong></p> <p>The manner in which you hold your assets is of paramount importance. All joint assets pass to the surviving party. If you and your spouse own a property as joint proprietors upon your death this property will automatically pass to your spouse. By changing the manner in which you hold the property from joint proprietors to tenants in common allows you and your spouse to deal with your individual interest in the property in your respective Wills.</p> <p>Additionally, you need to be mindful of any bank accounts or other investments that you hold jointly with your spouse as these are not individual assets that you can make provision for and will pass to your spouse upon your death.</p> <p><strong>Your Will</strong></p> <p>It is imperative that you put a Will in place that is reflective of your current circumstances and adequately provides for both your spouse and your children from a previous relationship in the manner that you desire. For many parents in second marriages with children from a previous relationship, protecting their children’s inheritance is of paramount importance.</p> <p>Discretionary Testamentary Trusts which are created in accordance with the provisions of your Will, can make provision for your spouse during their lifetime, whilst also ensuring that most of your assets go to your children. </p> <p>If you are the sole registered proprietor of your residence in which you and your spouse reside you may make provision in your Will providing a life interest in your residence to your spouse subject to some conditions being adhered to. This will allow your spouse to reside in your residence for the duration of their life then subsequent to their death the property may then pass to your children.</p> <p>Dying without a valid Will in place deems that you died intestate, and your assets will be distributed in accordance with a government formula and may not end up with the people who you would like to receive them. Your spouse would be entitled to a share of your assets, however this may not have been your intention, or the share that they would receive may be significantly more than you would like them to receive.</p> <p>It is therefore crucial that you take the time to put a well drafted Will in place so that your assets pass to those who you would like to receive them upon your death.</p> <p><strong>Mutual Wills Agreement</strong></p> <p>A Mutual Wills Agreement is a separate document to your Will and essentially is an agreement between you and your spouse that both of you will not change your Will without the consent of the your spouse or their legal personal representative upon their death. </p> <p>This document is intended to prevent the remaining spouse from altering their Will and disinheriting step-children or making other adverse changes to their Will.</p> <p><strong>The Right People in Key Roles</strong></p> <p>The roles of executor of your Will and your attorney in respect to your Power of Attorney documents are important roles and it is paramount that you appoint trusted people to undertake these roles as essentially you are handing control of your assets to those who assume these roles.</p> <p>Your attorney is entrusted to look after your finances and provide the best care for you in the event that you become incapacitated so you need to choose wisely.</p> <p><strong>Communication is Crucial</strong></p> <p>It is important that there is transparency for you and your family. By having important conversations with your spouse and children you can openly discuss your intentions and expectations so that all parties are relevantly informed and fully understand what your wishes are and what you have put in place. </p> <p>In order to evaluate the best options for you it is important that you obtain the appropriate professional advice to determine which is the best strategy for your own individual circumstances so that the relevant documents are put in place which offer you the best asset protection possible.</p> <p><em><strong>Melisa Sloan is principal of Madison Sloan Lawyers and author of Big Moments: Expert Advice for Conquering those moments that define us. www.melisasloan.com.au</strong></em></p> <p><em>Image credits: Shutterstock </em></p>

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Heading to Bali or somewhere tropical these holidays? Here’s what you need to know about dengue fever

<div class="theconversation-article-body"> <p><em><a href="https://theconversation.com/profiles/cameron-webb-6736">Cameron Webb</a>, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a></em></p> <p>If you’re looking to escape the Australian winter for your next holiday, don’t forget where there’s warmth, there will also be mosquitoes.</p> <p>In turn, tropical destinations can be hot spots of mosquito-borne diseases such as dengue. In fact, Australian health authorities have warned travellers to Bali <a href="https://www.health.wa.gov.au/Media-releases/2024/May/Dengue-fever-warning-for-Western-Australian-travellers">to be aware</a> of the risk of dengue, with cases surging in the region.</p> <p>So here’s how to protect yourself and your family on holidays.</p> <h2>What is dengue?</h2> <p><a href="https://www.who.int/news-room/fact-sheets/detail/dengue-and-severe-dengue">Dengue virus infection</a> (commonly known as dengue fever, or just dengue) is caused by viruses spread by the bite of a mosquito. The mosquito species that typically transmit dengue are <em>Aedes aegypti</em> and <em>Aedes albopictus</em>.</p> <p>There are four strains of dengue virus. Each has the potential to cause illness that can range from <a href="https://www.cdc.gov/dengue/signs-symptoms/index.html">mild to severe and potentially life threatening</a>.</p> <p>Symptoms <a href="https://www.health.nsw.gov.au/Infectious/factsheets/Pages/dengue.aspx">typically include</a> rash, fever, chills, headache, muscle and joint pain, and fatigue. People also often report abdominal pain, nausea and vomiting.</p> <p>While infection with just one of these viruses can make you sick, subsequent exposure to other strains can have more <a href="https://theconversation.com/explainer-what-are-antibodies-and-why-are-viruses-like-dengue-worse-the-second-time-68227">serious health implications</a>. In these cases, symptoms can also include the presence of blood in vomit, bleeding gums and breathing difficulties.</p> <p>Dengue infection must be confirmed via a blood test, but there are <a href="https://www.healthdirect.gov.au/dengue-fever">no specific treatments</a>. Most people will recover on their own however <a href="https://www.cdc.gov/dengue/treatment/index.html">staying hydrated is crucial</a> and pain relief can help with symptoms. If more severe illness occurs, seek urgent medical care.</p> <h2>Are travellers at risk?</h2> <p>The disease is now endemic in around 100 countries and <a href="https://www.cdc.gov/dengue/areas-with-risk/index.html">an estimated 4 billion people</a> are considered at risk. Asian countries represent <a href="https://www.who.int/news-room/fact-sheets/detail/dengue-and-severe-dengue">around 70%</a> of the global disease burden. Even <a href="https://theconversation.com/how-the-paris-olympics-could-become-a-super-spreader-event-for-dengue-231853">Europe is at risk</a>.</p> <p><a href="https://www.who.int/emergencies/disease-outbreak-news/item/2023-DON498">One of the worst years</a> on record was 2023, but the burden of dengue continues to grow. In the first four months of 2024, Indonesia reported <a href="https://www.who.int/emergencies/disease-outbreak-news/item/2024-DON518">three times as many cases</a> of dengue compared to the same period in 2023.</p> <p>Dengue is not a new risk to Australian travellers. Before COVID disrupted international travel, the number of Australians returning from tropical destinations with dengue <a href="https://europepmc.org/article/med/23692160">was steadily increasing</a>.</p> <p>For example, between 2010 and 2016, there was an average <a href="https://www.mdpi.com/2414-6366/3/1/9">annual increase of 22%</a> of travellers returning to Victoria with dengue. Almost half of these people contracted the illness in Indonesia. Bali is well documented as posing <a href="https://academic.oup.com/jtm/article/25/1/tay061/5065180?login=false">a risk of dengue</a> to travellers.</p> <p>International travel restrictions due to COVID <a href="https://academic.oup.com/jtm/article/31/2/taae014/7577676">abruptly stopped this trend</a>. But now Australians are again embracing international travel, <a href="https://www.dailymail.co.uk/news/article-13303747/Worrying-reason-Aussie-travellers-Bali-coming-sick.html">cases are rising once more</a>.</p> <p>Bali isn’t the only destination with <a href="https://www.washingtonpost.com/health/2024/06/30/dengue-puerto-rico-mosquito-climate-change/">a surge in dengue</a>, but we know it’s a popular holiday destination for Australian travellers. There’s little doubt plenty of families will be heading to Bali these school holidays.</p> <h2>How about the risk in Australia?</h2> <p>Not all mosquitoes can spread dengue viruses. This is why the risk is different in Bali and other tropical regions compared to Australia.</p> <p>Although there are more than 40 Australian mosquito species known or suspected to be transmitting local pathogens, such as <a href="https://journals.plos.org/plospathogens/article?id=10.1371/journal.ppat.1005070">Ross River virus</a>, Australia is generally free of local dengue risk due to the limited spread of <em>Aedes aegypti</em> and <em>Aedes albopictus</em>.</p> <p>While <em>Aedes aegypti</em> is found in <a href="https://www.health.qld.gov.au/clinical-practice/guidelines-procedures/diseases-infection/diseases/mosquito-borne/dengue/virus-fever">parts of Queensland</a>, thanks to interventions by the <a href="https://www.worldmosquitoprogram.org/en/global-progress/australia/cairns-and-surrounds">World Mosquito Program</a> and local authorities dengue risk is low. These interventions include the release of laboratory-bred mosquitoes that prevent mosquitoes in the environment <a href="https://www.worldmosquitoprogram.org/en/work/wolbachia-method">spreading viruses</a>, as well as <a href="https://www.sciencedirect.com/science/article/pii/S2221169115309096">community education</a>. But <a href="https://theconversation.com/after-decades-away-dengue-returns-to-central-queensland-117821">local cases</a> occasionally occur.</p> <p><em>Aedes albopictus</em> is not currently found <a href="https://theconversation.com/how-we-kept-disease-spreading-asian-tiger-mozzies-away-from-the-australian-mainland-72873">on the Australian mainland</a> but is present in the islands of the Torres Strait. A dengue outbreak <a href="https://www.torres-cape.health.qld.gov.au/about-us/news/further-cases-of-dengue-fever-on-mer">has occurred</a> there this year.</p> <h2>Keep mozzies away during the day, not just at night</h2> <p>While there is a vaccine available, it’s not recommended for <a href="https://onlinelibrary.wiley.com/doi/full/10.5694/mja2.50471">short-term travellers</a>. There are <a href="https://www.health.gov.au/resources/publications/atagi-advice-on-the-use-of-dengvaxiar-for-australians">strict eligibility criteria</a> for its use, so speak to a health professional for advice.</p> <p>For the majority of travellers, preventing mosquito bites is the only way to prevent disease.</p> <p>But there are differences in the behaviour of dengue mosquitoes that mean the normal measures to avoid mosquito bites may not be as effective.</p> <p>During the Australian summer, mosquitoes found in local wetlands can be <a href="https://theconversation.com/the-worst-year-for-mosquitoes-ever-heres-how-we-find-out-68433">incredibly abundant</a>. We tend to need to reach for the repellent and cover up to stop bites as soon as the sun starts going down.</p> <p><em>Aedes aegypti</em> and <em>Aedes albopictus</em> <a href="https://journals.plos.org/plosntds/article?id=10.1371/journal.pntd.0010818">can aggressively bite people</a> but they’re not as abundant as the swarms of summer mosquitoes back home.</p> <p>They also bite during the day, not just at night. So for those travelling to Bali or other areas at risk of dengue, putting insect repellent on <a href="https://www.smartraveller.gov.au/news-and-updates/global-dengue-fever-outbreaks">throughout the day</a> is recommended.</p> <h2>What to pack for protection</h2> <p>If you’re staying in a major resort, there’s likely to be a mosquito control program in place. This may include minimising available water for mosquito breeding in combination with insecticide use. Mosquitoes are also less likely to be an issue in air-conditioned accommodation.</p> <p>But if you’re planning to spend time out and about visiting local villages, markets, or in nature, it’s best to protect against bites.</p> <p>Light coloured and <a href="https://www.health.wa.gov.au/Media-releases/2024/May/Dengue-fever-warning-for-Western-Australian-travellers">loose fitting clothing</a> will help stop mosquito bites (and help keep you cool). Covered shoes can help too – dengue mosquitoes <a href="https://www.npr.org/sections/goatsandsoda/2016/02/22/465594861/why-zika-spreading-mosquitoes-love-ankles">love smelly feet</a>.</p> <p>Finally, it’s best to take some insect repellent with you. There may not be any available at your destination, and formulations on sale might not have been through the same thorough testing as products <a href="https://www.apvma.gov.au/">approved in Australia</a>.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/233670/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/cameron-webb-6736"><em>Cameron Webb</em></a><em>, Clinical Associate Professor and Principal Hospital Scientist, <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/heading-to-bali-or-somewhere-tropical-these-holidays-heres-what-you-need-to-know-about-dengue-fever-233670">original article</a>.</em></p> </div>

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We know what to eat to stay healthy. So why is it so hard to make the right choices?

<div class="theconversation-article-body"> <p><em><a href="https://theconversation.com/profiles/nina-van-dyke-822557">Nina Van Dyke</a>, <a href="https://theconversation.com/institutions/victoria-university-1175">Victoria University</a></em></p> <p>A healthy diet <a href="https://www.who.int/initiatives/behealthy/healthy-diet">protects us</a> against a number of chronic diseases, including heart disease, diabetes and cancer.</p> <p>From early childhood, we receive an abundance of <a href="https://cdn.who.int/media/docs/default-source/healthy-diet/healthy-diet-fact-sheet-394.pdf?sfvrsn=69f1f9a1_2&download=true">information</a> about how we <a href="https://www.eatforhealth.gov.au/guidelines/australian-guide-healthy-eating">should eat</a> to be healthy and reduce our risk of disease. And most people have a <a href="https://link.springer.com/content/pdf/10.1186/1479-5868-11-63.pdf">broad understanding</a> of what healthy eating looks like.</p> <p>But this knowledge <a href="https://www.sciencedirect.com/science/article/pii/S0001209216310584?casa_token=6CZgCmT1RMgAAAAA:sSRsj2o6swVfvoBxMIVrMTxqdczSAiFwfTCYzYQ8U3z4ey_WLQ6knpmk8WRH77zugAS3wEAQrA">doesn’t always result</a> in healthier eating.</p> <p>In our new research, we set out to <a href="https://link.springer.com/content/pdf/10.1186/s12889-024-18432-x.pdf">learn more</a> about why people eat the way they do – and what prevents them from eating better. Lack of time was a major <a href="https://onlinelibrary.wiley.com/doi/pdf/10.1111/obr.12472?casa_token=1D1mi-l0TR0AAAAA:dgebTQx-wgw7jbREfdawxZ5AZSDRztvrt8t1tuKyDy1x2mmXlyLDY8z9NbUf0v4hnh80HY_RbAk08Q">barrier</a> to cooking and eating healthier foods.</p> <h2>How do you decide what to eat?</h2> <p>We spoke with <a href="https://link.springer.com/content/pdf/10.1186/s12889-024-18432-x.pdf">17 adults</a> in a regional centre of Victoria. We chose a regional location because less research <a href="https://link.springer.com/content/pdf/10.1186/s40900-020-0179-6.pdf">has been done</a> with people living outside of metropolitan areas and because rates of obesity and other diet-related health issues are <a href="https://www.aihw.gov.au/reports/rural-remote-australians/rural-and-remote-health">higher</a> in such areas in Australia.</p> <p>Participants included a mix of people, including some who said they were over their “most healthy weight” and some who had previously dieted to lose weight. But all participants were either:</p> <ul> <li>young women aged 18–24 with no children</li> <li>women aged 35–45 with primary school aged children</li> <li>men aged 35–50 living with a partner and with pre- or primary-school aged children.</li> </ul> <p>We selected these groups to target <a href="https://www.sciencedirect.com/science/article/pii/S0022318212803669">ages and life-stages</a> in which shifts in eating behaviours may occur. Previous research has found younger women <a href="https://onlinelibrary.wiley.com/doi/pdf/10.1111/j.1470-6431.2007.00642.x?casa_token=33QKWwhc2ogAAAAA:ZvJ6wfXiRC_6eoqvoxD121JOSKSPmIRHcrdiGl2uHzkq5pY6VVPL6WI2DhmxQ2q9i6bBGvLiFl8afQ">tend to</a> be particularly concerned about appearance rather than healthy eating, while women with children often shift their focus to providing for their family. Men <a href="https://onlinelibrary.wiley.com/doi/pdf/10.1111/obr.12472?casa_token=KakMB6hAOQ0AAAAA:fLnpoxZQiiJIdEkg_TOcCq8hBwZef1iZETZKTiG5W6zW2x_PYzK0oLeOg5F9arKThq9RzMWEi4x4Xw">tend to be less interested</a> in what they eat.</p> <p>We asked participants about how they decided what food to eat, when, and how much, and what prevented them from making healthier choices.</p> <h2>It’s not just about taste and healthiness</h2> <p>We found that, although such decisions were determined in part by taste preferences and health considerations, they were heavily influenced by a host of other factors, many of which are outside the person’s control. These included other household members’ food preferences, family activities, workplace and time constraints, convenience and price.</p> <p><a href="https://jamanetwork.com/journals/jamainternalmedicine/article-abstract/2767106">Healthy eating</a> means consuming a balanced diet rich in nutrients, including a variety of fruits, vegetables, whole grains, lean proteins and healthy fats, while limiting processed foods, added sugars and excessive salt. Healthy eating also includes how we eat and <a href="https://journals.plos.org/plosone/article?id=10.1371/journal.pone.0244292">how we think about</a> food and eating, such as having a positive relationship with food.</p> <p>One 35- to 45-year-old woman, for example, said that time constraints and family preferences made it difficult to prepare healthier food:</p> <blockquote> <p>I love the chance when I can actually get a recipe and get all of the ingredients and make it properly, but that doesn’t happen very often. It’s usually what’s there and what’s quick. And what everyone will eat.</p> </blockquote> <p>One of the 35- to 50-year-old men also noted the extent to which family activities and children’s food preferences dictated meal choices:</p> <blockquote> <p>Well, we have our set days where, like Wednesday nights, we have to have mackie cheese and nuggets, because that’s what the boys want after their swimming lesson.</p> </blockquote> <p><a href="https://onlinelibrary.wiley.com/doi/pdf/10.1111/joss.12649?casa_token=gsnU9O_G2GQAAAAA:mV2vtHlnEd0jqBGJPFkfml_ecLIDqwSlH5xksSwt4eQb_FP_UShyAKm9sLNnKy6Mkf2q9aKAlDEixA">Research shows</a> that children are often more receptive to new foods than their parents think. However, introducing new dishes takes additional time and planning.</p> <p>An 18- to 24-year-old woman discussed the role of time constraints, her partner’s activities, and price in influencing what and when she eats:</p> <blockquote> <p>My partner plays pool on a Monday and Wednesday night, so we always have tea a lot earlier then and cook the simple things that don’t take as long, so he can have dinner before he goes rather than buying pub meals which cost more money.</p> </blockquote> <p>Despite popular perceptions, healthy diets are not more expensive than unhealthy diets. A <a href="https://preventioncentre.org.au/wp-content/uploads/2017/03/1702_FB_LEE_4p_final_lr.pdf">study</a> comparing current (unhealthy) diets with what the <a href="https://www.health.gov.au/resources/publications/the-australian-dietary-guidelines">Australian Dietary Guidelines</a> recommend people should eat found that the healthy diet was 12–15% cheaper than unhealthy diets for a family of two adults and two children.</p> <p>However, learning and planning to prepare new types of meals <a href="https://www.mdpi.com/2072-6643/12/3/877">takes effort and time</a>.</p> <p>Simply educating people about what they should eat won’t necessarily result in healthier eating. People want to eat healthier, or at least know they should eat healthier, but other things <a href="https://link.springer.com/content/pdf/10.1007/s00394-017-1458-3.pdf">get in the way</a>.</p> <p>A key to improving people’s eating behaviours is to make it easy to eat more healthily.</p> <p>Policy changes to make healthy eating easier could include subsidising healthier foods such as fresh produce, providing incentives for retailers to offer healthy options, and ensuring access to nutritious meals in schools and workplaces.</p> <h2>So how can you make healthier food choices easier?</h2> <p>Here are five tips for making healthy choices easier in your household:</p> <ol> <li> <p>If certain days of the week are particularly busy, with little time to prepare fresh food, plan to cook in bulk on days when you have more time. Store the extra food in the fridge or freezer for quick preparation.</p> </li> <li> <p>If you’re often pressed for time during the day and just grab whatever food is handy, have healthy snacks readily available and accessible. This could mean a fruit bowl in the middle of the kitchen counter, or wholegrain crackers and unsalted nuts within easy reach.</p> </li> <li> <p>Discuss food preferences with your family and come up with some healthy meals everyone likes. For younger children, <a href="https://healthykids.nsw.gov.au/downloads/file/campaignsprograms/NewFoodsFussyEaters.pdf">try serving</a> only a small amount of the new food, and serve new foods alongside foods they already like eating and are familiar with.</p> </li> <li> <p>If you rely a lot on take-away meals or meal delivery services, try making a list ahead of time of restaurants and meals you like that are also healthier. You might consider choosing lean meat, chicken, or fish that has been grilled, baked or poached (rather than fried), and looking for meals with plenty of vegetables or salad.</p> </li> <li> <p>Remember, fruit and vegetables taste better and are often cheaper when they are in season. Frozen or canned vegetables are a <a href="https://www.sbs.com.au/news/article/the-cost-of-fresh-fruit-and-veggies-is-rising-is-canned-or-frozen-produce-just-as-healthy/tzuhnfrnr">healthy and quick alternative</a>.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/231489/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> </li> </ol> <p><em><a href="https://theconversation.com/profiles/nina-van-dyke-822557">Nina Van Dyke</a>, Associate Professor and Associate Director, Mitchell Institute, <a href="https://theconversation.com/institutions/victoria-university-1175">Victoria 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/we-know-what-to-eat-to-stay-healthy-so-why-is-it-so-hard-to-make-the-right-choices-231489">original article</a>.</em></p> </div>

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How much do you need to know about how your spouse spends money? Maybe less than you think

<div class="theconversation-article-body"> <p><em><a href="https://theconversation.com/profiles/scott-rick-1534612">Scott Rick</a>, <a href="https://theconversation.com/institutions/university-of-michigan-1290">University of Michigan</a></em></p> <p>Love is in the air, and wedding season is upon us.</p> <p>Like many elder millennials, I grew up watching sitcoms in the 1980s and ‘90s. Whenever those series needed a ratings boost, they would feature a wedding. Those special episodes taught me that weddings usually involve young lovebirds: think Elvin and Sondra from “The Cosby Show,” Cory and Topanga from “Boy Meets World,” or David and Darlene from “Roseanne.”</p> <p>But those were different times. People are getting married later in life than they used to: In the United States, <a href="https://www.census.gov/content/dam/Census/library/visualizations/time-series/demo/families-and-households/ms-2.pdf">the median age of newlyweds</a> has grown to 28 for women and 30 for men.</p> <p>This trend means that many Americans now enter marriage after being self-reliant for several years, including managing their own money. Will they be eager to change that once they get married? Don’t count on it. A 2017 <a href="https://bettermoneyhabits.bankofamerica.com/content/dam/bmh/pdf/ar6vnln9-boa-bmh-millennial-report-winter-2018-final2.pdf">Bank of America survey</a> suggests that millennial married couples are around 15 percentage points more likely than their predecessors to keep their finances separate.</p> <p>This is not necessarily a good development. As a behavioral scientist <a href="https://michiganross.umich.edu/faculty-research/faculty/scott-rick">who studies money and relationships</a>, I find that joint accounts <a href="https://doi.org/10.1093/jcr/ucad020">can bring partners closer</a>.</p> <p>There are some risks, however. Joint accounts create transparency, and intuitively, transparency feels like a good thing in relationships. But I argue that some privacy is important even for highly committed couples – <a href="https://us.macmillan.com/books/9781250280077/tightwadsandspendthrifts">and money is no exception</a>.</p> <h2>The newlywed game</h2> <p>Behavioral scientists <a href="https://kelley.iu.edu/faculty-research/faculty-directory/profile.html?id=jgolson">Jenny Olson</a>, <a href="https://som.yale.edu/faculty-research/faculty-directory/deborah-small">Deb Small</a>, <a href="https://www.kellogg.northwestern.edu/faculty/directory/finkel_eli.aspx">Eli Finkel</a> and I recently conducted <a href="https://academic.oup.com/jcr/article-abstract/50/4/704/7077142">an experiment with engaged and newlywed couples</a>. Each of the pairs had entirely separate accounts, but they were undecided about how they wanted to manage their money moving forward.</p> <p>We randomly assigned each of the 230 couples to one of three groups. One group kept their money in separate accounts; one merged their cash into a joint account and stopped using separate accounts; and one managed their money however they liked.</p> <p>We followed couples for two years, periodically asking them to complete surveys assessing their relationship dynamics and satisfaction. Our relationship quality measure included items such as “I cannot imagine another person making me as happy as my partner does” and “Within the last three months, I shouted or yelled at my partner.”</p> <p>Among the couples who could do whatever they wanted, most kept things separate. They and the couples assigned to keep separate accounts experienced a steady decline in relationship quality over time.</p> <p>This is a fairly typical pattern. For instance, in <a href="https://academic.oup.com/sf/article-abstract/79/4/1313/2234046">a large study that tracked U.S. couples’ marital happiness for 17 years</a>, <a href="https://www.unk.edu/academics/social-work/faculty_staff/van_laningham.php">sociologist Jody Van Laningham</a> and colleagues found that “marital happiness either declines continuously or flattens after a long period of decline.”</p> <p>Declines during the first two years of marriage are particularly important. Social scientist <a href="https://liberalarts.utexas.edu/prc/faculty/hustontl">Ted Huston</a> and colleagues call those first two years <a href="https://doi.org/10.1037/0022-3514.80.2.237">the “connubial crucible</a>.” They find that relationship dynamics that develop during that crucial period can foreshadow relationship quality for many years to come.</p> <p>Couples in our study who were prompted to take the plunge into a joint account, however, maintained their initial level of relationship satisfaction over the course of the two-year experiment.</p> <h2>Tit-for-tat</h2> <p>Our survey results suggest that, by turning “my money” and “your money” into “our money,” a joint account can help to reduce scorekeeping within a relationship. For example, we found that couples with joint accounts were more likely to agree with statements such as “When one person does something for the other, the other should not owe the giver anything.”</p> <p>Relationships usually don’t start with a scorekeeping orientation. In the 1980s and ‘90s, psychologist <a href="https://psychology.yale.edu/people/margaret-clark">Margaret Clark</a> and colleagues conducted experiments where partners had the option of keeping track of each other’s contributions to a shared task. <a href="https://clarkrelationshiplab.yale.edu/sites/default/files/files/Resource%20allocation%20in%20intimate%20relationships.pdf">They observed</a> that intimate relationships often begin with a “communal” orientation, where partners help one another without keeping careful track of who’s doing what.</p> <p>Eventually, however, they take on more of an “exchange” orientation – where inputs are tracked and timely reciprocity is expected. Couples that manage to stave off a tit-for-tat mindset <a href="https://doi.org/10.1177/0956797610373882">tend to be happier</a>.</p> <h2>Too much of a good thing?</h2> <p>The data from our experiment with young couples clearly suggests that using only a joint account is better than using only separate accounts. However, I argue in my new book, “<a href="https://us.macmillan.com/books/9781250280077/">Tightwads and Spendthrifts</a>,” that just a joint account is probably not optimal.</p> <p>When partners use only a joint account, they get an up-close-and-personal view of how the other person is spending money. This kind of transparency is <a href="https://www.businessinsider.com/money-habits-successful-married-couples-avoid-2016-11">normally viewed</a> as a good thing.</p> <p>Some commentators argue that a healthy marriage should have no secrets whatsoever. For example, Willard Harley, Jr., a clinical psychologist who primarily writes for Christian audiences, argues that you should “reveal to your spouse <a href="https://www.marriagebuilders.com/the-policy-of-radical-honesty.htm">as much information about yourself as you know</a>: your thoughts, feelings, habits, likes, dislikes, personal history, daily activities, and plans for the future.”</p> <p>In addition, if your goal is to minimize optional spending, <a href="https://doi.org/10.1002/jcpy.1083">research suggests</a> that the transparency that comes with a joint account can be helpful. We spend less when someone is looking over our shoulder.</p> <p>Still, there are reasons to believe that <a href="https://doi.org/10.1177/0265407500172005">complete transparency can be harmful for couples</a>.</p> <p>Many people have become convinced that if they could just stop buying lattes and avocado toast, they could invest that money and become rich. Unfortunately, the underlying math is highly dubious, as journalist Helaine Olen points out in <a href="https://www.penguinrandomhouse.com/books/308568/pound-foolish-by-helaine-olen/">her book “Pound Foolish</a>.” Still, many people view small indulgences as their primary obstacle to wealth. Complete transparency around these financially inconsequential “treats” <a href="https://slate.com/business/2021/09/partner-hates-retail-therapy-money-advice.html">can lead to unnecessary arguments</a>.</p> <p>Also, spouses may have different passions that their partner does not fully understand. Expenses that seem perfectly reasonable to another hobbyist may seem outrageous <a href="https://academic.oup.com/jcr/article-abstract/19/2/256/1929895">to someone without the proper context</a> – another source of <a href="https://www.sciencedirect.com/science/article/abs/pii/S2352250X21000750">avoidable disagreements</a>.</p> <h2>'Translucent,’ not transparent</h2> <p>I propose that many couples may benefit from a combination of joint and separate accounts.</p> <p>A joint account is essential for ensuring that both partners have immediate and equal access to “our money.” Ideally, all income would be direct-deposited into the joint account, which would help to blur the gap between partners’ earnings. Conspicuous income differences <a href="https://doi.org/10.1086/432228">can jeopardize relationship quality</a>.</p> <p>Separate accounts attached to the joint account can allow some privacy for individual purchases and help partners maintain a sense of autonomy and individuality. Each person gets to spend some of “our money” without their partner looking over their shoulder. Spouses would have a high-level understanding of how much their partner is spending per week or per month, but avoid the occasionally irritating details.</p> <p>This kind of partial financial transparency – <a href="https://us.macmillan.com/books/9781250280077/tightwadsandspendthrifts">what I call “financial translucency</a>” – could help couples strike the right balance between financial and psychological well-being.</p> <p>Of course, this approach requires a lot of trust. If the relationship is already on thin ice, complete financial transparency may be necessary. However, if the relationship is generally in the “good, but could be even better” category, I would argue that financial translucency is worth considering.<!-- 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/230070/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/scott-rick-1534612">Scott Rick</a>, Associate Professor of Marketing, <a href="https://theconversation.com/institutions/university-of-michigan-1290">University of Michigan</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-much-do-you-need-to-know-about-how-your-spouse-spends-money-maybe-less-than-you-think-230070">original article</a>.</em></p> </div>

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