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Australians are reading less than other countries, a new report shows. Why?

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/katya-johanson-425719">Katya Johanson</a>, <a href="https://theconversation.com/institutions/edith-cowan-university-720">Edith Cowan University</a> Recent international research shows Australians are buying and reading fewer books than people in many other countries. But why? A <a href="https://risebookselling.eu/consumer-behaviour">report</a> by the European and International Book Federation found that only 64% of Australians bought a book in the past year, compared to an average 72% of people across 19 countries. Similarly, 80% of Australians read a book in the past year, slightly below the international average of 85%. These differences are slim, but as book buyers and readers, we are among the lowest in the sample, alongside Aotearoa New Zealand, Finland, Latvia and the United States. The number of people who had read a book in the past year in Italy, Spain, the United Kingdom and Ireland all came in at over 90%. Local research also suggests reading rates in Australia are falling. Back in 2017, a Macquarie University study found 92% of us read books at least once in the previous year. By 2021, in the <a href="https://australiareads.org.au/research/the-national-reading-survey/">Australia Reads national survey</a> that figure had dropped to 75%. What’s behind these numbers? Price might be less of a factor than we often assume – and surprisingly, Australia’s dependence on cars could play a role. International examples showing how other countries protect and value their book cultures – from government policies to counter the strength of Amazon to public holidays for poets – suggest measures to actively boost our own could help. <h2>The price myth</h2> There’s a general perception that books cost too much in Australia. But they’re not necessarily more expensive here than elsewhere. Competition from online retailers like Amazon and increases in production costs globally <a href="https://www.ibisworld.com/au/industry/book-publishing/171/">have levelled prices internationally</a>. In fact, Australians often pay similar or less for books than readers in Canada, New Zealand and the US. Tim Winton’s new novel, <a href="https://theconversation.com/tim-winton-goes-cli-fi-his-dystopian-novel-juice-breaks-new-ground-to-face-the-climate-emergency-238769">Juice</a>, for example, has an Australian recommended retail price of A$49.99. It’s almost exactly the same price in Aotearoa New Zealand (A$49.81) and costs more in Canada (A$54.59). In the US, Juice is A$44.02, and in the UK, it’s A$43.07. While UK book prices are lower, this is mainly because books there don’t attract sales tax. The UK <a href="https://www.accountingfirms.co.uk/blog/are-books-vat-exempt/#:%7E:text=In%20the%20UK%2C%20books%20are,to%20most%20goods%20and%20services">made books exempt</a> from its value-added tax (VAT) applied to most goods and services – a deliberate decision to make reading more affordable. Pauline MacLeod, the children’s and young adult literature specialist at Brisbane’s Riverbend Books, told me children’s publishers are “trying hard to keep local books priced between $22.99 and $25.99”. Still, <a href="https://theconversation.com/why-australian-workers-true-cost-of-living-has-climbed-far-faster-than-weve-been-told-221590">in the current cost of living squeeze</a> books are a discretionary spend some cannot afford. <h2>Public transport is good for reading</h2> Interestingly, countries where <a href="https://www.statista.com/topics/8282/rail-passenger-transport-in-europe/#statisticChapter">more people use public transport</a> – like the UK, France, Germany and Spain – tend to have higher reading rates. It’s easier to read a book on a train than in a car, and these countries often have bookshops in train stations, creating a culture of reading while commuting. In contrast, car-dependent countries like Australia, the US and Aotearoa New Zealand show lower reading rates. Our reliance on cars might explain why audiobooks are more popular in Australia than in many other countries. <h2>A holiday for a poet</h2> In Ireland, where 91% of people have read a book in the past 12 months, there is a strong cultural history of storytelling. Reading is <a href="https://www.theguardian.com/books/article/2024/aug/20/we-all-read-like-hell-how-ireland-became-the-worlds-literary-powerhouse">supported by</a> an arts council providing grants and bursaries, and a healthy ecosystem of literary festivals and magazines, public libraries and bookshops. Australia has many of these things, but Ireland also significantly supports writers, with a tax exemption on artists’ income up to €50,000 (approximately A$81,500) and a basic-income pilot scheme granting 2,000 artists €325 (approximately A$530) a week. In France, where the government <a href="https://www.culture.gouv.fr/en/regions/drac-grand-est/services/idc/reading-book/Support-for-the-book-economy">actively protects its reading culture</a>, 88% of people have read a book in the past 12 months. In 2022, <a href="https://www.theguardian.com/world/2022/sep/23/france-minimum-book-delivery-fee-amazon">France introduced a law</a> to make French bookshops more competitive with online retailers like Amazon which often offer free delivery of books. By setting a minimum delivery fee for all online book orders of less than €35 (around A$57), the government aims to level the playing field for local booksellers. Perhaps unsurprisingly, only 5% of French people buy all their books online (as opposed to 12% in Australia). Australia has public holidays dedicated to sports, like the Melbourne Cup and the AFL Grand Final (both in Victoria). In Portugal, a national holiday, Portugal Day, commemorates the death of poet <a href="https://www.britannica.com/biography/Luis-de-Camoes">Luís de Camões</a>, considered Portugal’s greatest. While 85% of Portuguese people have read a book in the past 12 months (exactly the international average), they consider reading as one of their hobbies (37%) and have bought a book in the past year (76%) at rates above the international average. Interestingly, just 32% of Australians said they consider reading a hobby, compared to 44% in Spain and 42% in the UK. Families, the education system and the media are also all key to inculcating this culture of reading, as is a strong local publishing industry. <h2>The way forward</h2> Local booksellers report declining reading rates in Australia, too. Robbie Egan, CEO of Australia’s peak bookselling industry body, BookPeople, told me: “The competition for eyeballs is real and it is fierce, and consumer discretionary dollars are scarce”. Industry leaders like Egan suggest we need a national campaign to promote the benefit of reading. We know from local research that <a href="https://www.bookpeople.org.au/images/BookPeople_Papers_Imagination.pdf">Australians value books and storytelling</a>. With increasing competition from other forms of entertainment and tighter household budgets, encouraging a stronger reading culture may be more important than ever.<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/243272/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/katya-johanson-425719">Katya Johanson</a>, Professor of Publishing and Audience Studies, <a href="https://theconversation.com/institutions/edith-cowan-university-720">Edith Cowan University</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/australians-are-reading-less-than-other-countries-a-new-report-shows-why-243272">original article</a>. </div>

Books

Medicare is covering less of specialist visits. But why are doctors’ fees so high in the first place?

<div class="theconversation-article-body"> <a href="https://theconversation.com/profiles/susan-j-mendez-2219444">Susan J. Méndez</a>, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a> Fees for medical specialists are going up faster than <a href="https://www.abc.net.au/news/2024-09-25/medicare-rebates-only-covering-half-of-specialist-costs/104389360">Medicare rebates</a>, leading to a bigger gap for patients to pay. Recent data from the <a href="https://www.aihw.gov.au/reports/medicare/mbs-funded-services-data/contents/summary">Australian Institute of Health and Welfare</a> shows that in the first quarter of this year, Medicare rebates covered just over half (52%) of the total fees. This is <a href="https://www.abc.net.au/news/2024-09-25/medicare-rebates-only-covering-half-of-specialist-costs/104389360">down from 72%</a> two decades ago, and the lowest proportion on record. Doctors can charge what they like, while the government determines the Medicare rebate. The difference between the two, or the gap, is what impacts patients. For GPs, the government provides an incentive for doctors to <a href="https://www.health.gov.au/our-work/increases-to-bulk-billing-incentive-payments#1-november-2023-changes">bulk bill</a>, but there’s no such incentive for other specialists. Doctors blame large gap payments on rebates being too low, and they’re partly right. After adjusting for inflation and increasing demand, the average dollar amount one person receives in Medicare rebates annually dropped from <a href="https://www.aihw.gov.au/reports/medical-specialists/referred-medical-specialist-attendances">A$349 to $341</a> over the past decade. But this is only a part of the problem. When many people can’t afford hundreds (if not thousands) of dollars for essential specialist care, we need to look at why fees are so high. <h2>How do specialists set their fees?</h2> Although general practice is technically a speciality, when we talk about medical specialists in this article, we’re talking about non-GP specialists. These might include paediatricians, oncologists, psychiatrists and dermatologists, among many others. In determining fees, specialists consider a combination of patient-level, doctor-level and system-level factors. Patient characteristics, such as the complexity of the patient’s medical condition, may increase the price. This is because more complex patients may require more time and resources. Specialists, based on their experience, perceived skill level, or ethical considerations, may charge more or less. For example, <a href="https://www.sciencedirect.com/science/article/pii/S0277953623007104?via%3Dihub">some specialists report</a> they offer discounts to certain groups, such as children or pensioners. System-level factors including the cost of running a practice (such as employing staff) and practice location also play a role. Problems arise when prices vary considerably, as this often signals limited competition or excessive market power. This holds true for medical services, where patients have little control over prices and rely heavily on their doctors’ recommendations. In <a href="https://papers.ssrn.com/sol3/papers.cfm?abstract_id=4909881">recent research</a>, my colleagues and I found fees varied significantly between specialists in the same field. In some cases the most expensive specialist charged more than double what the cheapest one did. <h2>Doctor characteristics influence fee-setting</h2> My colleagues and I <a href="https://doi.org/10.1016/j.healthpol.2024.105119">recently analysed</a> millions of private hospital claims from 2012 to 2019 in Australia. We found the wide variation in fees was largely due to differences between individual doctors, rather than factors such as patient complexity or the differences we’d expect to see between specialties. Up to 65% of the variance in total fees and 72% in out-of-pocket payments could be attributed to differences between doctors in the same field. To understand what doctor-level factors drive high fees, <a href="https://papers.ssrn.com/sol3/papers.cfm?abstract_id=4909881">we looked at</a> data from a representative survey of specialists. We found older specialists have lower fees and higher rates of bulk billing. Practice owners tended to charge higher fees. We also found doctors’ personalities affect how much they charge and how often they bulk bill patients. Doctors who scored more highly on the personality trait of agreeableness were more likely to bulk bill patients, while those who scored more highly on neuroticism tended to charge higher fees. What we couldn’t show is any evidence fees were associated with competition. <h2>Effects on patients</h2> This is not a competitive market. On the contrary, it has high entry restrictions (long training requirements) and a limited supply of specialists, particularly in <a href="https://www.aihw.gov.au/reports/workforce/health-workforce">rural and remote areas</a>. Meanwhile, patients’ access is controlled by the need for referrals which expire, generally after a year. Patients are often unable to shop around or make informed decisions about their care due to a lack of information about the true cost and quality of services. For private hospital services, the fee structure is complicated by the fact that several providers (for example, surgeon, anaesthetist, assistant surgeon) bill separately, making it difficult for patients to know the total cost upfront. Despite efforts to introduce price transparency in recent years, such as through the government’s <a href="https://medicalcostsfinder.health.gov.au/">Medical Costs Finder</a> website, the system remains far from clear. Reporting is voluntary and the <a href="https://doi.org/10.1016/j.healthpol.2020.06.001">evidence is mixed</a> on whether these tools effectively reduce prices or increase competition. All of this contributes to high and unpredictable out-of-pocket costs, which can lead to financial strain for patients. About <a href="https://www.abs.gov.au/statistics/health/health-services/patient-experiences/latest-release#barriers-to-health-service-use">10.5% of Australians</a> reported cost was a reason for delaying or avoiding a specialist visit in 2022–23. This raises important questions about equity and the sustainability of Australia’s universal health-care system, which is built on the principle of equitable access to care for all citizens. <h2>What can be done?</h2> Patients can take steps to minimise their costs by proactively seeking information. This includes asking your GP for a range of options when you’re referred to a specialist. Note the referral from your GP can be used for any other doctor in the same specialty. Similarly, ask the specialist’s receptionist what the fee and rebate will be before making an appointment, or for a <a href="https://www.ama.com.au/articles/informed-financial-consent#Two">detailed quote</a> before going to hospital. Shop around if it’s too high. But responsibility doesn’t only lie with patients. For example, the government could seek to address this issue by increasing investment in public hospital outpatient care, which could boost competition for specialists. It could also publish the range of fees compared to the rebate for all Medicare-billed consultations, rather than relying on voluntary reporting by doctors. Price transparency alone is not enough. Patients also need quality information and better guidance to navigate the health-care system. So continued investment in improving health literacy and care coordination is important. If things don’t change, the financial burden on patients is likely to continue growing, undermining both individual health outcomes and the broader goals of equitable health-care access.<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/239827/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/susan-j-mendez-2219444">Susan J. Méndez</a>, Senior Research Fellow, Melbourne Institute of Applied Economic and Social Research, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/medicare-is-covering-less-of-specialist-visits-but-why-are-doctors-fees-so-high-in-the-first-place-239827">original article</a>. </div>

Money & Banking

What’s the difference between a psychopath and a sociopath? Less than you might think

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/bruce-watt-1486350">Bruce Watt</a>, <a href="https://theconversation.com/institutions/bond-university-863">Bond University</a> and <a href="https://theconversation.com/profiles/katarina-fritzon-402205">Katarina Fritzon</a>, <a href="https://theconversation.com/institutions/bond-university-863">Bond University</a> Articles about badly behaved people and how to spot them are common. You don’t have to Google or scroll too much to find headlines such as <a href="https://psychologyeverywhere.com/articles/7-signs-your-boss-is-a-psychopath/">7 signs your boss is a psychopath</a> or <a href="https://www.elephantjournal.com/2022/08/how-to-avoid-the-sociopath-next-door-erica-leibrandt/">How to avoid the sociopath next door</a>. You’ll often see the terms psychopath and sociopath used somewhat interchangeably. That applies to perhaps the most famous badly behaved fictional character of all – Hannibal Lecter, the cannibal serial killer from <a href="https://www.imdb.com/title/tt0102926/">The Silence of the Lambs</a>. In the book on which the movie is based, Lecter is described as a “pure sociopath”. But in the movie, he’s described as a “pure psychopath”. Psychiatrists have diagnosed him with <a href="https://psychiatryonline.org/doi/pdf/10.1176/appi.psychotherapy.2002.56.1.100">something else</a> entirely. So what’s the difference between a psychopath and a sociopath? As we’ll see, these terms have been used at different times in history, and relate to some overlapping concepts. <h2>What’s a psychopath?</h2> Psychopathy has been mentioned in the psychiatric literature <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC4059069/#:%7E:text=The%20term%20psychopathy%20comes%20from,which%20literally%20means%20suffering%20soul.">since the 1800s</a>. But the latest edition of the Diagnostic Statistical Manual of Mental Disorders (known colloquially as the DSM) <a href="https://www.psychiatry.org/psychiatrists/practice/dsm">doesn’t list</a> it as a recognised clinical disorder. <a href="https://www.psychiatry.org/psychiatrists/practice/dsm/about-dsm/history-of-the-dsm#section_5">Since the 1950s</a>, labels have changed and terms such as “sociopathic personality disturbance” have been replaced with <a href="https://www.ncbi.nlm.nih.gov/books/NBK546673/">antisocial personality disorder</a>, which is what we have today. Someone with antisocial personality disorder has a persistent disregard for the rights of others. This includes breaking the law, repeated lying, impulsive behaviour, getting into fights, disregarding safety, irresponsible behaviours, and indifference to the consequences of their actions. To add to the confusion, the section in the DSM on antisocial personality disorder mentions psychopathy (and sociopathy) traits. In other words, according to the DSM the traits are part of antisocial personality disorder but are not mental disorders themselves. US psychiatrist <a href="https://psycnet.apa.org/record/2018-37736-001">Hervey Cleckley</a> provided the first formal description of psychopathy traits in his 1941 book <a href="https://gwern.net/doc/psychology/personality/psychopathy/1941-cleckley-maskofsanity.pdf">The Mask of Sanity</a>. He based his description on his clinical observations of nine male patients in a psychiatric hospital. He identified several key characteristics, including superficial charm, unreliability and a lack of remorse or shame. <a href="https://psych.ubc.ca/profile/robert-hare/">Canadian psychologist</a> Professor <a href="http://www.hare.org/">Robert Hare</a> refined these characteristics by emphasising interpersonal, emotional and lifestyle characteristics, in addition to the antisocial behaviours listed in the DSM. When we draw together all these strands of evidence, we can say a psychopath manipulates others, shows superficial charm, is grandiose and is persistently deceptive. Emotional traits include a lack of emotion and empathy, indifference to the suffering of others, and not accepting responsibility for how their behaviour impacts others. Finally, a psychopath is easily bored, sponges off others, lacks goals, and is persistently irresponsible in their actions. <h2>So how about a sociopath?</h2> The term sociopath first appeared <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC4059069/#:%7E:text=The%20term%20psychopathy%20comes%20from,which%20literally%20means%20suffering%20soul.">in the 1930s</a>, and was attributed to US psychologist George Partridge. He <a href="https://psychiatryonline.org/doi/abs/10.1176/ajp.85.6.1053?journalCode=ajp">emphasised</a> the societal consequences of behaviour that habitually violates the rights of others. Academics and clinicians often used the terms sociopath and psychopath interchangeably. But some <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC4059069/#:%7E:text=The%20term%20psychopathy%20comes%20from,which%20literally%20means%20suffering%20soul.">preferred the term sociopath</a> because they said the public sometimes confused the word psychopath with psychosis. “Sociopathic personality disturbance” <a href="https://www.turkpsikiyatri.org/arsiv/dsm-1952.pdf">was the term</a> used in the first edition of the DSM in 1952. This aligned with the <a href="https://journals.sagepub.com/doi/epdf/10.1177/0306624X01453005">prevailing views</a> at the time that antisocial behaviours were largely the product of the social environment, and that behaviours were only judged as deviant if they broke social, legal, and/or cultural rules. Some of these early descriptions of sociopathy are more aligned with what we now call antisocial personality disorder. Others relate to emotional characteristics similar to Cleckley’s 1941 <a href="https://pubmed.ncbi.nlm.nih.gov/26618655/">definition</a> of a psychopath. In short, different people had different ideas about sociopathy and, even today, sociopathy is less-well defined than psychopathy. So there is no single definition of sociopathy we can give you, even today. But in general, its antisocial behaviours can be similar to ones we see with psychopathy. Over the decades, the term sociopathy fell out of favour. From the late 60s, psychiatrists used the term antisocial personality disorder instead. <h2>Born or made?</h2> Both “sociopathy” (what we now call antisocial personality disorder) and psychopathy have been associated with a wide range of developmental, biological and psychological causes. For example, people with psychopathic traits have <a href="https://www.theguardian.com/science/2013/may/12/how-to-spot-a-murderers-brain">certain brain differences</a> especially <a href="https://psycnet.apa.org/record/2006-01001-014">in regions</a> associated with emotions, inhibition of behaviour and problem solving. They also appear to have differences associated with their <a href="https://www.psypost.org/psychopathic-women-exhibit-low-cardiac-defense-responses-study-finds/">nervous system</a>, including a <a href="https://www.sciencedirect.com/science/article/pii/S0301051123001345?via%3Dihub">reduced heart rate</a>. However, sociopathy and its antisocial behaviours are a product of someone’s social environment, and tends to <a href="https://www.aic.gov.au/sites/default/files/2020-05/19-1415-FinalReport.pdf">run in families</a>. These behaviours has been <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC4801766/#:%7E:text=Childhood%20abuse%20is%20a%20risk,and%20psychopathic%20traits%20remain%20unclear">associated with</a> physical abuse and parental conflict. <h2>What are the consequences?</h2> Despite their fictional portrayals – such as Hannibal Lecter in Silence of the Lambs or Villanelle in the TV series <a href="https://www.imdb.com/title/tt7016936/">Killing Eve</a> – <a href="https://www.psychologytoday.com/au/blog/making-evil/201902/what-we-get-wrong-about-psychopaths#:%7E:text=Most%20psychopaths%20are%20not%20offenders,extreme%20violence%20or%20serial%20killing.">not all people</a> with psychopathy or sociopathy traits are serial killers or are physically violent. But psychopathy <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC4059069/">predicts</a> a wide range of harmful behaviours. In the criminal justice system, psychopathy is strongly linked with re-offending, particularly of a violent nature. In the general population, psychopathy is <a href="https://www.sciencedirect.com/science/article/abs/pii/S0160252709000028?casa_token=5lSd35qRO7oAAAAA:CTu-KkDXxsoYEPvpceItex9go1Fn_YlfBQSW9O9_MwNEX6NxlZ23GRcWnS5YYV_kAig24E4Ahdj7">associated with</a> drug dependence, homelessness, and other personality disorders. Some research even showed psychopathy predicted <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC8250605/">failure to follow</a> COVID restrictions. But sociopathy is less established as a key risk factor in identifying people at heightened risk of harm to others. And sociopathy is not a reliable indicator of future antisocial behaviour. <h2>In a nutshell</h2> Neither psychopathy nor sociopathy are classed as mental disorders in formal psychiatric diagnostic manuals. They are both personality traits that relate to antisocial behaviours and are associated with certain interpersonal, emotional and lifestyle characteristics. Psychopathy is thought to have genetic, biological and psychological bases that places someone at greater risk of violating other people’s rights. But sociopathy is less clearly defined and its antisocial behaviours are the product of someone’s social environment. Of the two, psychopathy has the greatest use in identifying someone who is most likely to cause damage to others.<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/226714/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/bruce-watt-1486350">Bruce Watt</a>, Associate Professor in Psychology, <a href="https://theconversation.com/institutions/bond-university-863">Bond University</a> and <a href="https://theconversation.com/profiles/katarina-fritzon-402205">Katarina Fritzon</a>, Associate Professor of Psychology, <a href="https://theconversation.com/institutions/bond-university-863">Bond University</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/whats-the-difference-between-a-psychopath-and-a-sociopath-less-than-you-might-think-226714">original article</a>. </div>

Mind

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

<div class="theconversation-article-body"> <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> Love is in the air, and wedding season is upon us. 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.” 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. 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. 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>. 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>. <h2>The newlywed game</h2> 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. 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. 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.” 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. 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.” 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. 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. <h2>Tit-for-tat</h2> 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.” 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. 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>. <h2>Too much of a good thing?</h2> 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. 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. 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.” 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. Still, there are reasons to believe that <a href="https://doi.org/10.1177/0265407500172005">complete transparency can be harmful for couples</a>. 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>. 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>. <h2>'Translucent,’ not transparent</h2> I propose that many couples may benefit from a combination of joint and separate accounts. 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>. 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. 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. 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.<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" /> <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> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/how-much-do-you-need-to-know-about-how-your-spouse-spends-money-maybe-less-than-you-think-230070">original article</a>. </div>

Money & Banking

How much weight do you actually need to lose? It might be a lot less than you think

<a href="https://theconversation.com/profiles/nick-fuller-219993">Nick Fuller</a>, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a> If you’re one of the <a href="https://www.finder.com.au/new-years-resolutions-statistics">one in three</a> Australians whose New Year’s resolution involved losing weight, it’s likely you’re now contemplating what weight-loss goal you should actually be working towards. But type “setting a weight loss goal” into any online search engine and you’ll likely be left with more questions than answers. Sure, the many weight-loss apps and calculators available will make setting this goal seem easy. They’ll typically use a body mass index (BMI) calculator to confirm a “healthy” weight and provide a goal weight based on this range. Your screen will fill with trim-looking influencers touting diets that will help you drop ten kilos in a month, or ads for diets, pills and exercise regimens promising to help you effortlessly and rapidly lose weight. Most sales pitches will suggest you need to lose substantial amounts of weight to be healthy – making weight loss seem an impossible task. But the research shows you don’t need to lose a lot of weight to achieve health benefits. <h2>Using BMI to define our target weight is flawed</h2> We’re a society fixated on numbers. So it’s no surprise we use measurements and equations to score our weight. The most popular is BMI, a measure of our body weight-to-height ratio. BMI classifies bodies as underweight, normal (healthy) weight, overweight or obese and can be a useful tool for weight and health screening. But it shouldn’t be used as the single measure of what it means to be a healthy weight when we set our weight-loss goals. This is <a href="https://theconversation.com/using-bmi-to-measure-your-health-is-nonsense-heres-why-180412">because</a> it: <ul> <li> fails to consider two critical factors related to body weight and health – body fat percentage and distribution </li> <li> does not account for significant differences in body composition based on gender, ethnicity and age. </li> </ul> <h2>How does losing weight benefit our health?</h2> Losing just 5–10% of our body weight – between 6 and 12kg for someone weighing 120kg – can significantly improve our health in four key ways. 1. Reducing cholesterol Obesity increases the chances of having too much low-density lipoprotein (LDL) cholesterol – also known as bad cholesterol – because carrying excess weight changes how our bodies produce and manage lipoproteins and triglycerides, another fat molecule we use for energy. Having too much bad cholesterol and high triglyceride levels is not good, narrowing our arteries and limiting blood flow, which increases the risk of heart disease, heart attack and stroke. But <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC4987606/">research</a> shows improvements in total cholesterol, LDL cholesterol and triglyceride levels are evident with just 5% weight loss. 2. Lowering blood pressure Our blood pressure is considered high if it reads more than 140/90 on at least two occasions. Excess weight is <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC7082272/">linked to</a> high blood pressure in <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC7082272/">several ways</a>, including changing how our sympathetic nervous system, blood vessels and hormones regulate our blood pressure. Essentially, high blood pressure makes our heart and blood vessels work harder and less efficiently, damaging our arteries over time and increasing our risk of heart disease, heart attack and stroke. Like the improvements in cholesterol, a 5% weight loss <a href="https://onlinelibrary.wiley.com/doi/10.1002/oby.21358">improves</a> both systolic blood pressure (the first number in the reading) and diastolic blood pressure (the second number). A <a href="https://www.ahajournals.org/doi/10.1161/01.hyp.0000094221.86888.ae">meta-analysis of 25 trials</a> on the influence of weight reduction on blood pressure also found every kilo of weight loss improved blood pressure by one point. 3. Reducing risk for type 2 diabetes Excess body weight is the primary manageable risk factor for type 2 diabetes, particularly for people carrying a lot of visceral fat around the abdomen (belly fat). Carrying this excess weight can cause fat cells to release pro-inflammatory chemicals that disrupt how our bodies regulate and use the insulin produced by our pancreas, leading to high blood sugar levels. Type 2 diabetes can lead to serious medical conditions if it’s not carefully managed, including damaging our heart, blood vessels, major organs, eyes and nervous system. <a href="https://www.nejm.org/doi/full/10.1056/nejmoa012512">Research</a> shows just 7% weight loss reduces risk of developing type 2 diabetes by 58%. 4. Reducing joint pain and the risk of osteoarthritis Carrying excess weight can cause our joints to become inflamed and damaged, making us more prone to osteoarthritis. <a href="https://pubmed.ncbi.nlm.nih.gov/21425246/">Observational studies</a> show being overweight doubles a person’s risk of developing osteoarthritis, while obesity increases the risk fourfold. Small amounts of weight loss alleviate this stress on our joints. <a href="https://pubmed.ncbi.nlm.nih.gov/15986358/">In one study</a> each kilogram of weight loss resulted in a fourfold decrease in the load exerted on the knee in each step taken during daily activities. <h2>Focus on long-term habits</h2> If you’ve ever tried to lose weight but found the kilos return almost as quickly as they left, you’re not alone. An <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC5764193/">analysis</a> of 29 long-term weight-loss studies found participants regained more than half of the weight lost within two years. Within five years, they regained more than 80%. When we lose weight, we take our body out of its comfort zone and trigger its survival response. It then counteracts weight loss, triggering several <a href="https://pubmed.ncbi.nlm.nih.gov/25896063/">physiological responses</a> to defend our body weight and “survive” starvation. Just as the problem is evolutionary, the solution is evolutionary too. Successfully losing weight long-term comes down to: <ul> <li> losing weight in small manageable chunks you can sustain, specifically periods of weight loss, followed by periods of weight maintenance, and so on, until you achieve your goal weight </li> <li> making gradual changes to your lifestyle to ensure you form habits that last a lifetime. </li> </ul> Setting a goal to reach a healthy weight can feel daunting. But it doesn’t have to be a pre-defined weight according to a “healthy” BMI range. Losing 5–10% of our body weight will result in immediate health benefits. At the Boden Group, Charles Perkins Centre, we are studying the science of obesity and running clinical trials for weight loss. You can <a href="https://redcap.sydney.edu.au/surveys/?s=RKTXPPPHKY">register here</a> to express your interest.<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/217287/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/nick-fuller-219993">Nick Fuller</a>, Charles Perkins Centre Research Program Leader, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a> Image credits: Getty Images 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-weight-do-you-actually-need-to-lose-it-might-be-a-lot-less-than-you-think-217287">original article</a>.

Body

Trying to spend less on food? Following the dietary guidelines might save you $160 a fortnight

<a href="https://theconversation.com/profiles/emily-burch-438717">Emily Burch</a>, <a href="https://theconversation.com/institutions/southern-cross-university-1160">Southern Cross University</a> and <a href="https://theconversation.com/profiles/lauren-ball-14718">Lauren Ball</a>, <a href="https://theconversation.com/institutions/the-university-of-queensland-805">The University of Queensland</a> A rise in the <a href="https://www.aph.gov.au/About_Parliament/Parliamentary_departments/Parliamentary_Library/pubs/BriefingBook47p/CostOfLiving#:%7E:text=Consumer%20Price%20Index%20over%20time,but%205.1%25%20in%20the%20second">cost of living</a> has led many households to look for ways to save money. New research suggests maintaining a healthy diet, in line with the <a href="https://www.eatforhealth.gov.au/guidelines/guidelines">Australian Dietary Guidelines</a>, is cheaper than an unhealthy diet and <a href="https://southwesthealthcare.com.au/wp-content/uploads/SWH-HP-Healthy-Diets-ASAP-Protocol-Warrnambool-Report-2023.pdf">could save A$160</a> off a family of four’s fortnightly shopping bill. Poor diet is the most common preventable risk factor contributing to chronic disease in <a href="https://www.thelancet.com/journals/lancet/article/PIIS0140-6736(20)30752-2/fulltext">Australia</a>. So improving your diet can also be an important way to reduce the chance of developing chronic disease. <h2>First, what are the dietary guidelines?</h2> The guidelines provide information on the quantity and types of foods most Australians should consume to promote overall health and wellbeing. Recommendations include eating a wide variety of nutritious foods from the main five food groups: <ul> <li>vegetables and legumes</li> <li>fruit</li> <li>grains</li> <li>lean meats and meat alternatives such as tofu, nuts and legumes</li> <li>dairy products.</li> </ul> The guidelines recommend limiting our intake of foods high in saturated fat, added salt, added sugars and alcohol. <h2>What are Australians eating?</h2> Fewer than <a href="https://www.abs.gov.au/statistics/health/health-conditions-and-risks/dietary-behaviour/latest-release">7%</a> of Australians eat sufficient vegetables, in line with the Australian Dietary Guidelines. In fact, Australians have an average healthy diet score of <a href="https://www.csiro.au/-/media/News-releases/2023/Total-Wellbeing-Diet-Health-Score/Diet-score-2023-Report_September.pdf">55 out of 100</a> – barely passing. Foods that aren’t part of a food group are known as “discretionary” items, which includes alcohol, cakes, biscuits, chocolate and confectionery and most takeaway foods. Because they’re typically high in kilojoules, saturated fat, sodium and added sugars, the Australian Dietary Guidelines recommend they only be eaten occasionally and in small amounts (ideally zero serves). For many households, discretionary items make up a big portion of their grocery shop. Australians consume an average of <a href="https://www.csiro.au/-/media/News-releases/2023/Total-Wellbeing-Diet-Health-Score/Diet-score-2023-Report_September.pdf">28 serves</a> of discretionary choices per week (equal to 28 doughnuts, 28 slices of cake, or 28 cans of soft drink or beer). This is an increase of ten serves since 2015. One recent <a href="https://link.springer.com/article/10.1186/s12966-022-01389-8">study</a> estimated 55% of Australians’ total energy intake was from discretionary items. <h2>What did the researchers find?</h2> Researchers from the Health Promotion Team at South West Healthcare <a href="https://southwesthealthcare.com.au/wp-content/uploads/SWH-HP-Healthy-Diets-ASAP-Protocol-Warrnambool-Report-2023.pdf">recently</a> visited four local supermarkets and takeaway stores in Warrnambool, Victoria, and purchased two baskets of groceries. One basket met the Australian Dietary Guidelines (basket one), the other aligned with the typical dietary intake of Australians (basket two). They compared prices between the two and found basket one would cost approximately $167 less per fortnight for a family of four at the most affordable supermarket. That’s equal to $4,342 a year. Basket one was sufficient to supply a family of four for a fortnight, and aligned with the Australian Dietary Guidelines. It cost $724 and included: <ol> <li>fruit and vegetables (made up 31% of the fortnightly shop)</li> <li>grains and cereals (oats, cornflakes, bread, rice, pasta, Weet-bix)</li> <li>lean meats and alternatives (mince, steak, chicken, tuna, eggs, nuts)</li> <li>milk, yoghurt and cheese</li> <li>oils and spreads (olive oil).</li> </ol> Basket two reflected the current average Australian fortnightly shop for a family of four. In the project, the team spent over half of the fortnightly shop on processed and packaged foods, of which 21% was spent on take-away. This is based on actual dietary intake of the general population reported in the 2011-2012 <a href="https://www.abs.gov.au/statistics/health/health-conditions-and-risks/australian-health-survey-nutrition-first-results-foods-and-nutrients/latest-release#:%7E:text=Food%20consumption,across%20the%20major%20food%20groups.">Australian Health Survey</a>. Basket two cost $891 and included: <ol> <li>fruit and vegetables (made up 13% of the fortnightly shop)</li> <li>grains and cereals (oats, cornflakes, bread, rice, pasta, Weet-bix)</li> <li>lean meats and alternatives (mince, steak, chicken, tuna, eggs, nuts)</li> <li>milk, yogurt and cheese</li> <li>oils and spreads (olive oil, butter)</li> <li>drinks (soft drink, fruit juice)</li> <li>desserts and snacks (muffins, sweet biscuits, chocolate, ice cream, potato chips, muesli bars)</li> <li>processed meats (sausages, ham)</li> <li>convenience meals</li> <li>fast food (pizza, meat pie, hamburger, fish and chips)</li> <li>alcohol (beer, wine).</li> </ol> <h2>But a healthy basket is still unaffordable for many</h2> While this piece of work, and other <a href="https://www.mdpi.com/1660-4601/15/11/2469">research</a>, suggests a healthy diet is less expensive than an unhealthy diet, affordability is still a challenge for many families. The Warrnambool research found basket one (which aligned with guidelines) was still costly, requiring approximately 25% of a median household income. This is unaffordable for many. For a household reliant on welfare, basket one would require allocating 26%-38% of their income. This highlights how the rising cost of living crisis is affecting those already facing financial difficulties. Around 3.7 <a href="https://reports.foodbank.org.au/foodbank-hunger-report-2023/">million</a> Australian households did not have access to enough food to meet their basic needs at some point in the last 12 months. Policy action is needed from the Australian government to make recommended diets more affordable for low socioeconomic groups. This means lowering the costs of healthy foods and ensuring household incomes are sufficient. <h2>What else can you do to cut your spending?</h2> To help reduce food costs and support your health, reducing discretionary foods could be a good idea. Other ways to reduce your grocery bill and keep your food healthy and fresh include: <ul> <li> planning for some meatless meals each week. Pulses (beans, lentils and legumes) are nutritious and cheap (a can is <a href="https://coles.com.au/product/coles-chick-peas-420g-8075852?uztq=46abcbb7e16253b0cdc3e6c5bbe6a3f0&cid=col_cpc_Generic%7cColesSupermarkets%7cPLA%7cCatchAll%7cAustralia%7cBroad&s_kwcid=AL!12693!3!675842378376!!!g!326304616489!&gad_source=1&gclid=CjwKCAjwkY2qBhBDEiwAoQXK5SceYhU2VtKepNLXWN218GH8Cp8Vs9cnYynCBwRqQPaW3UYNX2SVIBoC_6EQAvD_BwE&gclsrc=aw.ds">less than $1.50</a>. Here are some great pulse recipes to <a href="https://nomoneynotime.com.au/healthy-easy-recipes/filter/keywords--vegetarian/p2">try</a> </li> <li> checking the specials and buy in bulk (to store or freeze) when items are cheaper </li> <li> making big batches of meals and freezing them. Single-serve portions can help save time for lunches at work, saving on takeaway </li> <li> Australian supermarkets are <a href="https://www.theguardian.com/australia-news/datablog/2023/jul/27/cost-of-living-grocery-store-price-rises-cheapest-fresh-produce-australia-woolworths-coles#:%7E:text=The%20results%20showed%20independent%20and,best%20place%20for%20affordable%20groceries">almost never</a> the cheapest place for fresh produce, so shop around for farmers markets or smaller local grocery shops </li> <li> buying generic brands when possible, as they are <a href="https://www.cambridge.org/core/journals/public-health-nutrition/article/streamlined-datagathering-techniques-to-estimate-the-price-and-affordability-of-healthy-and-unhealthy-diets-under-different-pricing-scenarios/872EA6396533166E0C6FA94C809D9CAC#r">notably cheaper</a>. Supermarkets usually <a href="https://theconversation.com/the-science-that-makes-us-spend-more-in-supermarkets-and-feel-good-while-we-do-it-23857">promote</a> the items they want you to buy at eye-level, so check the shelves above and below for cheaper alternatives.<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/216749/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> </li> </ul> <a href="https://theconversation.com/profiles/emily-burch-438717">Emily Burch</a>, Dietitian & Academic, <a href="https://theconversation.com/institutions/southern-cross-university-1160">Southern Cross University</a> and <a href="https://theconversation.com/profiles/lauren-ball-14718">Lauren Ball</a>, Professor of Community Health and Wellbeing, <a href="https://theconversation.com/institutions/the-university-of-queensland-805">The University of Queensland</a> Image credits: Getty Images 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/trying-to-spend-less-on-food-following-the-dietary-guidelines-might-save-you-160-a-fortnight-216749">original article</a>.

Food & Wine

Julia Morris promises "a little less shameless flirting" with new co-host

In a surprising yet thrilling development, the popular reality show I'm A Celebrity … Get Me Out of Here! has finally confirmed its new co-host for the upcoming 2024 season. Joining the charismatic Julia Morris is none other than young wildlife expert and television personality Robert Irwin. This "unlikely pairing", as they humorously describe it, has generated a buzz of excitement among fans of the show. The announcement of Irwin as the new co-host has come after months of speculation – and while some may find it an unexpected choice, given the 35-year age gap between the two hosts, it's evident that this decision was carefully considered. Morris playfully quipped about the transition, "I've become so powerful at the network I am now allowed to trade in for a younger model, and of course when you trade in, you always upgrade." Her humour and enthusiasm highlight the anticipation for this fresh partnership. Irwin's ascent to co-host might be surprising to some, but for those familiar with his impressive TV career, it makes perfect sense. Irwin has been a TV veteran since he was just nine years old, earning a Best Newcomer Logie nomination at the tender age of nine. As an animal expert, he continues the legacy of former co-host <a href="https://www.oversixty.com.au/entertainment/tv/darryl-somers-jumps-the-gun-with-major-dr-chris-brown-announcement" target="_blank" rel="noopener">Dr Chris Brown</a>. The decision to bring Robert on board became clear during their initial screen test as a duo. Julia fondly recalls, "I thought it'd be a very tricky race [to find a new co-host], but the second Robert walked through the door, there was no contest. Everybody in the room was spellbound." Irwin's undeniable charisma and competence won over everyone present. The dynamic between Morris and Irwin promises to be a refreshing change for fans who have followed the show for nine seasons. Julia herself hinted at a "different energy", while also cheekily mentioning there might be "a little less shameless flirting" than viewers were accustomed to with Dr Chris Brown. Despite the age gap, both hosts are excited about this unique collaboration. Julia humorously acknowledges, "Robert is only just a whisper older than my eldest child, so I've really got my mummy protection pants on." She also jokes about needing Robert's assistance with a zimmer frame in the distant future. Irwin is embracing this new role, acknowledging that it's a significant step in his career, considering he is just 19 years old. "I'm the first to say, this is something new for me, but that's what makes it so exciting," Irwin commented. His deep passion for wildlife and conservation, coupled with his love for Africa, promises to bring a fresh perspective to the show. The official announcement of Robert Irwin's inclusion in I'm A Celebrity … Get Me Out of Here! was made at the Channel 10 Upfronts, alongside a host of other exciting revelations for the network. Some of the highlights include the reboot of Gladiators in early 2024, a new season of Australian Survivor with a Titans vs. Rebels theme, and the return of popular shows like MasterChef, Hunted, and Amazing Race: Celebrity Edition. Additionally, Grant Denyer is set to embark on a new adventure as the host of Deal or No Deal. Images: Network Ten

The cost of living is biting. Here’s how to spend less on meat and dairy

<a href="https://theconversation.com/profiles/clare-collins-7316">Clare Collins</a>, <a href="https://theconversation.com/institutions/university-of-newcastle-1060">University of Newcastle</a> The cost of groceries has risen substantially <a href="https://www.abs.gov.au/statistics/economy/price-indexes-and-inflation/monthly-consumer-price-index-indicator/may-2023">over the last year</a>. Food and non-alcoholic drinks rose by 7.9% in the year to May, with biggest increases in dairy products (15.1%), breads and cereals (12.8%) and processed foods (11.5%). Meat costs rose by 3.8%, but the absolute increase was high, with a kilo of fillet steak costing up to A$60 for a kilogram. Australians spend around <a href="https://www.abs.gov.au/AUSSTATS/abs@.nsf/Lookup/6530.0Main+Features12009-10?OpenDocument">15% of their weekly food budget</a> on meat and half that (7.4%) on dairy products. About <a href="https://www.finder.com.au/cost-of-living-report">43% of householders</a> say grocery prices are a cause of financial stress, with half trying to reduce spending. So how can you save money on meat and dairy products without skimping on nutrients? <h2>Meat</h2> <a href="https://www.eatforhealth.gov.au/food-essentials/five-food-groups/lean-meat-and-poultry-fish-eggs-tofu-nuts-and-seeds-and">Meat</a> is a good source of protein, iron, zinc and vitamin B12. Recommendations are for a maximum of three serves of cooked lean red meat a week. This includes beef, lamb, veal, pork, or kangaroo, with a serve being 65g cooked, which equates to 90–100g raw. This means purchasing 270–300g per person per week. Check prices online and weekly specials. Less expensive cuts include oyster blade, chuck or rump steak ($22–$25 per kilogram). They can be tougher, making them better for casseroles or slow cook recipes, like this <a href="https://nomoneynotime.com.au/healthy-easy-recipes/clares-slow-cooked-beef-stroganoff">beef stroganoff</a>. One exception is mince because higher star, lower fat, more expensive products shrink less during cooking compared to regular mince, which shrinks by 25–30%. Extend casserole and mince dishes by adding vegetarian protein sources, such as dried or canned beans and legumes. A 400g can of red kidney beans costs about $1.50 and contains 240g of cooked beans, equivalent to 1.6 standard serves. Add a can of any type of legume (black, adzuki, cannelloni, butter, chickpeas, four-bean mix, brown lentils) or use dried versions that don’t need pre-soaking like dried red lentils at about $5 per kilogram. This <a href="https://www.glnc.org.au/resource/legumes-nutrition/">adds nutrients</a> including protein, B vitamins, iron, zinc, calcium, magnesium and dietary fibre. <h2>Dairy</h2> Dairy products are important sources of protein, calcium, magnesium, zinc, potassium and vitamins A, B2 and B12. <a href="https://www.eatforhealth.gov.au/food-essentials/how-much-do-we-need-each-day/recommended-number-serves-adults">Australian recommendations</a> are for two to three serves a day for adults and four serves for women over 50. One serve is <a href="https://www.eatforhealth.gov.au/food-essentials/how-much-do-we-need-each-day/serve-sizes">equivalent to</a> a cup of milk or 40g cheese. Fresh milk costs between $1.50 and $3.00 per litre depending on type and brand, while UHT milk is cheaper, about $1.60 per litre. It’s even cheaper to buy powdered milk ($10 per kilogram pack, which makes ten litres), equating to $1 per litre. Making yoghurt at home costs about $5–6 per kilogram using a powder mix and yoghurt maker ($25). Once set, divide into smaller tubs yourself. Use as a substitute for cream or sour cream. Fresh yoghurt varies from $11–$18 per kilogram, with individual serves and flavoured varieties more expensive (but not always). Compare per kilogram or per 100g prices and check for specials. Cheese prices vary a lot so compare prices per kilogram. As a guide, block cheese is cheaper than pre-sliced or grated cheese. Home brand products are cheaper than branded ones. Mature cheeses are more expensive and processed cheese least expensive. But, if you cut block cheese really thick you end up using more. Block cheese ranges from $15 to $30 a kilogram, while packets of pre-sliced cheese vary from $18 to over $30. Pre-grated cheeses range from $14 to $30 per kilo, with most around $20, and processed cheese varies from $10 to $15. Extend grated cheese by mixing with grated carrot (about $2 a kilogram) and use as a topper for tacos, wraps, pasta and pizza. Use processed cheese slices for toasted sandwiches. Most recipes work adding less cheese than specified. A high-calcium alternative to cheese in sandwiches is canned salmon, but at $15–$30 per kilogram ($6–$7 per 210g can) you add variety but may not save money. <h2>3 tips to save on your food bills</h2> 1. Have a household food budget Ensure everyone is on the same page about <a href="https://nomoneynotime.com.au/hacks-myths-faqs/how-to-save-money-at-the-supermarket">saving money on food and drinks</a>. <a href="https://www.suncorpgroup.com.au/news/features/food-for-thought-australians-spend-272-billion-on-food-annually">About 50% of household food dollars</a> are spent on takeaway, eating out, coffee, alcohol, food-delivery services and extras, so have a budget for <a href="https://www.eatforhealth.gov.au/food-essentials/discretionary-food-and-drink-choices">discretionary</a> food items. This is where you can make big savings. Your household might need an incentive to stick to the budget, like voting on which “discretionary” items food dollars get spent on. 2. Have a rough weekly meal plan Use your meal plan to write a grocery list. Check <a href="https://nomoneynotime.com.au/hacks-myths-faqs/ingredient-swaps-to-limit-supermarket-trips-during-lockdown">what you already have</a> in the pantry, fridge and freezer. If you’re not sure where to start, look at ours at <a href="https://nomoneynotime.com.au">No Money No Time</a>, <a href="https://nomoneynotime.com.au/hacks-myths-faqs/take-our-nmnt-2-week-food-budget-challenge-and-eat-for-55-a-week">either for one person</a> or a <a href="https://nomoneynotime.com.au/ebooks-meal-plans-more/feeding-a-growing-family-on-a-budget-meal-plan-1">family with young children</a>. 3. Avoid food waste Australians <a href="https://www.ozharvest.org/food-waste-facts/">waste 7.6 million tonnes of food</a> each year yet 70% is edible. Before heading to the shops, check your <a href="https://nomoneynotime.com.au/hacks-myths-faqs/creating-kitchen-space-for-christmas-and-preventing-food-waste-too">fridge</a>. Turn <a href="https://nomoneynotime.com.au/hacks-myths-faqs/managing-kitchen-stock-and-using-leftovers-to-minimise-food-waste">leftovers</a> into tomorrow’s lunch or dinner. When clearing the dinner table, pack leftovers straight into lunch containers so it’s grab and go in the morning (or freeze for days you’re too busy to cook). Use our resources at <a href="https://nomoneynotime.com.au/hacks-myths-faqs?search=budget">No Money No Time</a> for ideas on how to help your food dollars go further. If you need food help right now, the <a href="https://askizzy.org.au/">Ask Izzy</a> website can locate services in your area.<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/206703/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/clare-collins-7316">Clare Collins</a>, Laureate Professor in Nutrition and Dietetics, <a href="https://theconversation.com/institutions/university-of-newcastle-1060">University of Newcastle</a> Image credits: Getty Images This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/the-cost-of-living-is-biting-heres-how-to-spend-less-on-meat-and-dairy-206703">original article</a>.

Food & Wine

Sore joints now it’s getting cold? It’s tempting to be less active – but doing more could help you feel better

<a href="https://theconversation.com/profiles/charlotte-ganderton-1170940">Charlotte Ganderton</a>, <a href="https://theconversation.com/institutions/rmit-university-1063">RMIT University</a>; <a href="https://theconversation.com/profiles/inge-gnatt-1425767">Inge Gnatt</a>, <a href="https://theconversation.com/institutions/swinburne-university-of-technology-767">Swinburne University of Technology</a>, and <a href="https://theconversation.com/profiles/matthew-king-1177304">Matthew King</a>, <a href="https://theconversation.com/institutions/la-trobe-university-842">La Trobe University</a> <a href="https://www.health.gov.au/topics/chronic-conditions/what-were-doing-about-chronic-conditions/what-were-doing-about-musculoskeletal-conditions#:%7E:text=In%20Australia%3A,stiff%2C%20painful%2C%20swollen%20or%20deformed">One in three</a> Australians has a musculoskeletal condition involving joint pain, and the most common cause is arthritis. Around <a href="https://arthritisaustralia.com.au/1in7witharthritis/">3.6 million</a> Australians have arthritis and this is projected to rise to <a href="https://www.arthritiswa.org.au/arthritis/australians-in-the-dark-with-arthritis-one-of-our-most-prevalent-and-costly-diseases/#:%7E:text=Arthritis%20is%20a%20leading%20cause,to%205.4%20million%20by%202030">5.4 million by 2030</a>. For some people with joint pain, cold weather <a href="https://doi.org/10.1186/1471-2474-15-66">seems to make it worse</a>. But temperature <a href="https://doi.org/10.1016/S0304-3959(99)00010-X">is just one factor</a> impacting perceptions of <a href="https://doi.org/10.1097/j.pain.0000000000001776">greater pain</a> during winter. Other factors include those we have some level of influence over, including <a href="https://link.springer.com/article/10.1007/s00702-019-02067-z">sleep</a>, <a href="https://link.springer.com/article/10.1007/s00702-019-02067-z">behavioural patterns, mood</a> and <a href="https://link.springer.com/content/pdf/10.1038/s41598-019-44664-8.pdf">physical activity</a>. Emerging research suggests greater pain levels in winter may also be related to a person’s <a href="https://doi.org/10.1371/journal.pone.0216902">perception of the weather</a>, lack of <a href="https://doi.org/10.1016/j.sjpain.2010.05.030">vitamin D</a> and <a href="https://doi.org/10.1093/rheumatology/kel414">fluctuations in their disease</a>. <a href="https://doi.org/10.1002/msc.1191">Physical activity</a> is one of the best treatments to increase function, strength and mobility – and improve quality of life. It also <a href="https://doi.org/10.1002/msc.1191">promotes</a> mental and physical health and <a href="https://www.sciencedirect.com/science/article/pii/S1466853X21000304?via%3Dihub">reduces the risk</a> of other chronic diseases. But pain can be a barrier to exercise and activities you’d usually do. So what can you do about it? <h2>Our brain tries to protect us</h2> When it comes to pain, our brain is very protective: it’s like an inbuilt alarm system and can warn us about impending danger or harm that has occurred so we can respond. But it’s not always a reliable indicator of actual damage or trauma to the skin, muscle or bone, even when it feels like it is. In some instances, this warning system can become unhelpful by setting off “false alarms”. Joint pain and stiffness can also appear to worsen during colder weather, prompting <a href="https://doi.org/10.1177/26335565221100172">fears</a> we could <a href="https://doi.org/10.1002/jor.25151">make it worse</a> if we undertake or overdo movement. This <a href="https://doi.org/10.1016/j.jbspin.2017.07.007">can result in</a> people avoiding physical activity – even when it would be beneficial – which can worsen the pain. <h2>We tend to exercise less when it’s cold</h2> Seasons <a href="https://doi.org/10.1016/j.jshs.2016.07.007">affect</a> how much physical activity we get. Summer months bring warmer weather, longer daylight hours and people get outdoors more. Warmer weather also tends to elicit a positive outlook, a lift in mood and burst of physical activity to fulfil New Year’s resolutions. Cooler months can mean a decline in physical activity and more time being cosy indoors. A reduction in movement and less exposure to light may evoke higher levels of joint pain and can be associated with a reduction in our overall sense of well-being and mood. This can create a cycle where symptoms worsen over time. <figure class="align-center "><img src="https://images.theconversation.com/files/526947/original/file-20230518-19-gzmuv8.jpg?ixlib=rb-1.1.0&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/526947/original/file-20230518-19-gzmuv8.jpg?ixlib=rb-1.1.0&q=45&auto=format&w=600&h=400&fit=crop&dpr=1 600w, https://images.theconversation.com/files/526947/original/file-20230518-19-gzmuv8.jpg?ixlib=rb-1.1.0&q=30&auto=format&w=600&h=400&fit=crop&dpr=2 1200w, https://images.theconversation.com/files/526947/original/file-20230518-19-gzmuv8.jpg?ixlib=rb-1.1.0&q=15&auto=format&w=600&h=400&fit=crop&dpr=3 1800w, https://images.theconversation.com/files/526947/original/file-20230518-19-gzmuv8.jpg?ixlib=rb-1.1.0&q=45&auto=format&w=754&h=503&fit=crop&dpr=1 754w, https://images.theconversation.com/files/526947/original/file-20230518-19-gzmuv8.jpg?ixlib=rb-1.1.0&q=30&auto=format&w=754&h=503&fit=crop&dpr=2 1508w, https://images.theconversation.com/files/526947/original/file-20230518-19-gzmuv8.jpg?ixlib=rb-1.1.0&q=15&auto=format&w=754&h=503&fit=crop&dpr=3 2262w" alt="Older woman exercises with weights" /><figcaption></figcaption>But with the right knowledge and support, people <a href="https://doi.org/10.1080/08870446.2022.2126473">can remain engaged in an active lifestyle</a> especially when it’s aligned to personal values and goals. Health professionals such as physiotherapists and GPs can assess any concerns and provide strategies that are right for you.</figure> <h2>How to motivate yourself to stay active in winter</h2> When looking for an approach to help you stay active during the cooler months and beyond, it can be helpful to become aware of the many <a href="https://doi.org/10.1002/msc.1191">interconnected factors</a> that impact you. They include: <ul> <li>biological (your genes, other illnesses you have)</li> <li>psychological (how you think, feel and behave)</li> <li>social (your relationships and social support).</li> </ul> Starting with the end goal in mind can be beneficial, but this can feel overwhelming. Try creating smaller, achievable steps to help get you there, like climbing a ladder. For example, park a short distance from the shops and increase this incrementally to increase your exercise tolerance. A little bit each day can often be less tolling on your body than a big effort once a week. Create goals that are personally meaningful and encourage you to celebrate success along the way (for example, catching up with friends or a healthy snack). Then, as you climb your “ladder”, one rung at a time, you will likely feel more motivated to continue. If you’re not sure where to start, talk to a friend or health provider to help you determine what is realistic and right for your situation. That way you can <a href="https://doi.org/10.1002/msc.1191">work towards your goals in a safe, non-threatening environment</a> and avoid developing fear and avoidance. They can also help you establish goals that align with your aspirations and pain experience.<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/200911/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> Image credit: Shutterstock <a href="https://theconversation.com/profiles/charlotte-ganderton-1170940">Charlotte Ganderton</a>, Senior Lecturer (Physiotherapy), <a href="https://theconversation.com/institutions/rmit-university-1063">RMIT University</a>; <a href="https://theconversation.com/profiles/inge-gnatt-1425767">Inge Gnatt</a>, Lecturer (Psychology), Provisional Psychologist, <a href="https://theconversation.com/institutions/swinburne-university-of-technology-767">Swinburne University of Technology</a>, and <a href="https://theconversation.com/profiles/matthew-king-1177304">Matthew King</a>, Lecturer, Research Fellow, and Physiotherapist, <a href="https://theconversation.com/institutions/la-trobe-university-842">La Trobe University</a> 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/sore-joints-now-its-getting-cold-its-tempting-to-be-less-active-but-doing-more-could-help-you-feel-better-200911">original article</a>.

Body

Five easy ways to use less water at home – and not just in a drought

<a href="https://theconversation.com/profiles/niko-wanders-1234321">Niko Wanders</a>, <a href="https://theconversation.com/institutions/utrecht-university-1354">Utrecht University</a> With so much of the world suffering from drought, you might think your ability to help is minimal. But when you consider the average person in the UK uses around <a href="https://www.water.org.uk/news-item/vast-majority-of-brits-have-no-idea-how-much-water-they-use-each-day/">142 litres of water a day</a>, it’s easy to see how small changes to your routine can add up. More than half of the water that is extracted from rivers, streams and aquifers in the UK feeds the <a href="https://www.gov.uk/government/statistical-data-sets/env15-water-abstraction-tables">public water supply</a>. These abstractions, as they’re called, worsen drought conditions by draining local waterways, depriving vegetation, fish and other aquatic life of the water they need to survive droughts. Filling paddling pools to cool off, taking multiple showers each day to stay clean, watering the garden to revive wilting plants – all these extra activities contribute to a sharp increase in public water use on hot and dry days. And these impacts can endure for months, as freshwater systems need a lot of additional rainfall to recover from droughts. If each person can reduce their water use during a drought, it would significantly benefit the natural world in its recovery. Here are five things you can do, starting today. <h2>1. Shower less</h2> Most of the water you use is <a href="https://www.water.org.uk/news-item/vast-majority-of-brits-have-no-idea-how-much-water-they-use-each-day/">in the shower</a>. For every minute you’re under the shower head (depending on how powerful it is), around 10 litres of water drains away. Since most people shower for <a href="https://www.mirashowers.co.uk/blog/trends/revealed-what-brits-are-really-getting-up-to-in-the-bathroom-1/#:%7E:text=Most%20Brits%20(62%25)%20bathe,latest%20UK%20shower%20habits%20survey.">an average of seven minutes</a>, half of your daily water use takes place first thing in the morning. Turning off the shower while shampooing your hair or applying shower gel can help conserve water, as can shortening the length of your shower overall. Be sure not to switch to a bath though – the average soak in the tub uses <a href="https://www.water.org.uk/news-item/vast-majority-of-brits-have-no-idea-how-much-water-they-use-each-day/">around 80 litres of water</a>. <h2>2. Use rainwater in the garden</h2> <figure class="align-right zoomable"><figcaption></figcaption></figure> During a dry spell, the average gardener can use <a href="https://www.southwestwater.co.uk/siteassets/documents/uwu-0618-web-version.pdf">hundreds of litres</a> of water to keep their plants hydrated. Some people will use a watering can (good), others might leave a sprinkler on all day (bad). Most use drinking water, which is a waste – plants are happy with rain water. Add a water butt that collects the rain which falls on your roof and use it for the garden. To find out how to install one, <a href="https://www.youtube.com/watch?v=2jk0lstsu5o">watch this</a>. <h2>3. Use the short flush</h2> Per flush, your toilet uses about <a href="https://www.water.org.uk/news-item/vast-majority-of-brits-have-no-idea-how-much-water-they-use-each-day/">5 litres of water</a>, and up to 10 litres in older models. If available, use the short flush to significantly reduce how much water is wasted. <h2>4. Cut back on car washing</h2> If you need to wash your car, do it the old-fashioned way with a bucket and soap rather than hosing it down. The water contained in a bucket (<a href="https://www.water.org.uk/news-item/vast-majority-of-brits-have-no-idea-how-much-water-they-use-each-day/">roughly 30 litres</a>) is significantly less than the average that flows through a hose (around <a href="https://www.southwestwater.co.uk/siteassets/documents/uwu-0618-web-version.pdf">15 litres per minute</a>). Better yet, avoid washing your car entirely during a drought. <h2>5. Reuse water</h2> If you’re washing vegetables, you could collect the water in a bowl in the sink and later give it to the plants in your house or outside. While you’re waiting for warm water to come out of a tap, use the cold to fill the kettle. Close the tap while you’re lathering your hands with soap or brushing your teeth. Though these are only small savings, they do make a difference over time. Inflatable pools are lovely for cooling down on the hottest days. A cleaning pump can filter the water and recycle it without you needing to use more water to keep the pool clean. <h2>Save water, save money</h2> All these tips can significantly reduce your water use and combat the effects of drought on the environment. They can also save you money. If you’re able to renovate your home, it’s worth installing a system for collecting rain water which, combined with a pump, can flush toilets. In Belgium, for example, it is common practice to have such a system installed (effectively, a large underground water butt) in newly built houses. Most people would struggle to afford these kinds of measures, and so drought-proofing homes and communities should be part of the effort to adapt countries to the extreme weather expected in a rapidly warming world. Image credit: Shutterstock <hr /> <figure class="align-right "><figcaption></figcaption></figure> Don’t have time to read about climate change as much as you’d like? <a href="https://theconversation.com/uk/newsletters/imagine-57?utm_source=TCUK&utm_medium=linkback&utm_campaign=Imagine&utm_content=DontHaveTimeTop">Get a weekly roundup in your inbox instead.</a> Every Wednesday, The Conversation’s environment editor writes Imagine, a short email that goes a little deeper into just one climate issue. <a href="https://theconversation.com/uk/newsletters/imagine-57?utm_source=TCUK&utm_medium=linkback&utm_campaign=Imagine&utm_content=DontHaveTimeBottom">Join the 10,000+ readers who’ve subscribed so far.</a><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/187885/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <hr /> <a href="https://theconversation.com/profiles/niko-wanders-1234321">Niko Wanders</a>, Assistant Professor in Hydrological Extremes, <a href="https://theconversation.com/institutions/utrecht-university-1354">Utrecht University</a> 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/five-easy-ways-to-use-less-water-at-home-and-not-just-in-a-drought-187885">original article</a>.

Home & Garden

Why smart people prefer fewer friends

While we know that loneliness can be bad for our health, it seems that not everyone wants to be surrounded by a big group of friends. For those with a higher IQ, in fact, a smaller circle of friends is preferred. <a href="http://www.ncbi.nlm.nih.gov/pubmed/26847844">In their study of wellbeing</a> published in the British Journal of Psychology, researchers looked at what it is that makes people happy. Using a group of 15,000 people aged 18 to 28, they found that those living in more densely populated areas deemed themselves a being less satisfied with their quality of life. They then looked at the number of interactions the people had with their inner circle of friends, and it appeared that the more connections they made, the happier they reported being. However there was a significant exception to this ‘more is better’ approach to friendship. For those with the highest IQs, the correlation went the other way – they were less likely to claim to be satisfied with their quality of life if they were interacting with their friendship group more often. Does this sound familiar? Do you know some very smart people (or you may even be the smart one) who prefer to spend time on their own rather than being out and about with friends? It seems that for the super intelligent, spending time socialising can be seen as a missed opportunity to better oneself. Meaning that instead of going to a party or a film, they would prefer to spend time studying, reading, or partaking in activities that will help them achieve their own personal goals. These are the people who would stay home to study when everyone else was going on a road trip for the weekend. The person who started their own business and spent every spare minute they had on it. They would even miss special occasions as they were so caught up in what they were doing that they didn’t notice the time. So if you are on the receiving end of a ‘no thank you’ to your invitation to socialise from your high IQ pal, now you know not to take it personally. It’s not that they don’t see friendship as valuable and important, they just really value their own time and space to try and reach their goals. Have you noticed that your highly intelligent friends tend to socialise less? Or are you the smart one that tends to pull away in order to focus on your own pursuits? Image credits: Getty Images

Mind

Female artists earn less than men. Coming from a diverse cultural background incurs even more of a penalty – but there is good news, too

Artists all over the world, regardless of their gender, earn <a href="https://www.sciencedirect.com/handbook/handbook-of-the-economics-of-art-and-culture">considerably less</a> than professionals in occupations requiring similar levels of education and qualifications. But there’s an additional income penalty for artists who are female. In an analysis of gender differences in the incomes of professional artists in Australia that <a href="https://australiacouncil.gov.au/advocacy-and-research/the-gender-pay-gap-among-australian-artists/">we undertook in 2020</a>, we found the creative incomes of women were 30% less than those of men. This is true even after allowing for differences in such things as hours worked, education and training, time spent in childcare and so on. This income penalty on women artists was greater than the gender pay gap of 16% experienced in the overall Australian workforce at the time. <a href="https://theconversation.com/screen-australia-celebrates-its-work-in-gender-equality-but-things-are-far-from-equal-122266">Some sectors</a> of the arts have tried to redress this problem. However, women continue to suffer serious and unexplained gender-based discrimination in the artistic workplace. Cultural differences are <a href="https://www.nber.org/papers/w27725">also known</a> to influence pay gaps in many countries. In new research <a href="https://australiacouncil.gov.au/advocacy-and-research/culture-and-the-gender-pay-gap-for-australian-artists">out today</a>, we considered whether cultural factors might also affect the gender pay gap of artists in Australia. In addition, we analysed the gender pay gap for remote Indigenous artists for the first time. <h2>A larger gap for women from a non-English speaking background</h2> In our <a href="https://australiacouncil.gov.au/advocacy-and-research/making-art-work/">2016 survey of 826 professional artists</a> working in metropolitan, regional and rural Australia, we asked participants if they came from a non-English speaking background. Only a relatively small proportion of artists – 10% – came from a non-English-speaking background, compared to 18% for the Australian labour force as a whole. A non-English-speaking background appears to carry an income penalty only for women artists, not for men. We found the annual creative earnings of female artists from a non-English-speaking background are about 71% of the creative incomes of female artists whose first language is English. But there is little difference between the corresponding incomes of male artists. Within the group of artists from language backgrounds other than English, the annual creative earnings of female artists are about half (53%) those of their male counterparts. By contrast, the ratio of female to male creative earnings among English-speaking background artists is 73%. These results suggest that women artists from a non-English-speaking background suffer a triple earnings penalty – from being an artist (and hence as a group earning less than comparable professionals), from their gender, and from their cultural background. Despite this earnings disadvantage, 63% of artists who identified as having a first language other than English thought their background had a positive impact on their artistic practice. Only 16% thought it had a negative impact. When artists were asked whether being from a non-English speaking background was a restricting factor in their professional artistic development, 17% of women answered “yes”, compared to only 5% of men from a similar background. Nevertheless, like their male colleagues, these women artists continue to celebrate their cultural background in their art. They contribute to the increasingly multicultural content of the arts in Australia, holding up a mirror to trends in Australian society at large. <h2>No gender gap in remote Indigenous communities</h2> For First Nations artists working in remote communities, a different picture emerges. For this research, we used results for remote communities in three regions of northern Australia drawn from our <a href="https://apo.org.au/node/257301">National Survey of Remote Aboriginal and Torres Strait Islander Artists</a>. The gender gap is not replicated among remotely practising First Nations artists. There are some minor variations in this finding for subgroups in different regions, depending in part on differences in the mix of visual and performing artists in the population. But whatever other differentials may exist between female and male earnings, they do not appear to be attributable to the sorts of systemic gender-based discrimination that affects the residual gender gap for other Australian artists. A possible reason relates to fundamental differences between the cultural norms, values and inherited traditions that apply in remote and very remote First Nations communities. Gender roles in Aboriginal and Torres Strait Islander communities have been <a href="https://anthrosource.onlinelibrary.wiley.com/doi/10.1525/can.1992.7.2.02a00020">described</a> by researchers as distinctively different, rather than superior or inferior. The importance of both women and men as bearers of culture has been clearly articulated. The unique cultural content of Aboriginal and Torres Strait Islander music, dance, visual art and literature is an essential feature of the work of these artists. These characteristics pass through to the marketplace, and there does not appear to be any obvious gender gap in the way the art from these remote communities is received. There is always differentiation between the art produced in different remote regions of Australia which varies depending on the complexities of different inherited cultural traditions. But there is no indication of any gender-based discrimination associated with these regional differences. Image credits: Getty Images This article originally appeared on <a href="https://theconversation.com/female-artists-earn-less-than-men-coming-from-a-diverse-cultural-background-incurs-even-more-of-a-penalty-but-there-is-good-news-too-195646" target="_blank" rel="noopener">The Conversation</a>.

Art

Idyllic island hideaway sells for less than you might think

A syndicate of four investors have bought picturesque Victor Island, sitting just 3km off the Queensland coast near Mackay. Amazingly, the consortium parted with just $3,655,500 through Queensland Sotheby’s International agents Lynn Malone and Barbara Wolveridge for the entire island. The island is Queensland's first 100% off-grid island, meaning it is completely self-sufficient. Fringed by coral reef, this little slice of paradise comes with a residence plus a caretaker’s cottage, rainwater storage tanks and a desalination plant. There are two beaches on the Island and it is only accessible via boat or helicopter. The Sydney syndicate members who purchased the island – Dan Ode, Sam Hamrosi and Konrad Konczak-Islam – plus Fiona Seitz from Victoria, will now try to secure more than its current bed and breakfast licence. So the question remains: just what is this island paradise set to become? Watch this space. Images: realcommerical.com.au

Real Estate

Alan Jones offloads farm home for less than expected

After a seven-month campaign, Alan Jones’ farm in the NSW Southern Highlands has finally sold, and is believed to have resulted in a smaller profit than initial hopes. The home was sold for an undisclosed price by Liam Griffiths of Inglis Rural Property to a buyer on a walk-in, walk-out basis, meaning that extras such as furniture are included in the sale. However, it is understood that the property sold for less than the initial desired price of $16-$17.5 million, per <a href="https://www.domain.com.au/news/alan-jones-sells-southern-highlands-farm-discounted-from-17-5m-high-hopes-2-1186063/" target="_blank" rel="noopener">Domain</a>. First listed in April this year, Griffiths took over the listing in October with a price range of $15 to $16 million. Jones has owned the property, known as Elizabeth Farm and Charleville in honour of his parents, since 2003 and has commissioned a major redesign that saw the two main residences link up with a mutual courtyard, creating a ten-bedroom home. Out of a total of 25 bedrooms, Jones has resided in a two-bedroom wing with a formal and informal living and dining room, a central living room and a home office, while his niece Tonia Taylor and her family have lived in a wing with eight bedrooms, a rumpus room, and central living and dining room. While the home was recently marketed based on its equestrian facilities, it also boasts a tennis court and pavilion built for Taylor and her tennis coach husband, as well as a separate two-bedroom caretaker’s cottage, and a “hootenanny” shed. The property also features landscaped gardens, a private natural forest called Wombat Woods, life-sized elephant and giraffe sculptures, and an ornamental lake and island with dyed water. With the sale of the Fitzroy Falls farm, Jones’ portfolio consists of his Circular Quay apartment purchased for $10.5 million in 2017, as well as his riverfront home in Southport, which he paid $12.25 million for in 2021. Images: Getty Images, Inglis Rural Property

Real Estate

One of Australia’s smallest homes sells for less than $100K

One of Australia’s most unusual homes, a tiny cottage that sits on stilts, seems to have found a new owner. A blue, one-bedroom house in Innisfail, Queensland, is currently under offer at $95,000, as reported by <a href="https://www.nine.com.au/property/homes/australias-tiny-blue-home-on-stilts-sells-for-95-thousand/c117bc64-2ea0-45e1-b145-98c47faaa7d3" target="_blank" rel="noopener">Nine</a>, after it was listed for $99,000 by Raine & Horne. With just 110 square metres of internal space, the property could be one of Australia’s smallest permanent homes. While <a href="https://www.raineandhorne.com.au/innisfail/properties/8-pelican-street-innisfail-4860-queensland" target="_blank" rel="noopener">the listing</a> describes it as having “plenty of life left in it” and “ready for a quick restoration”, the current state of the home’s interiors makes it uninhabitable, including holes in the walls with exposed wires, a shell of a kitchen, and loose wooden pailings on one side. The agent told the outlet that the house is on “stilts” after being moved from another local block and described it as a “potential gold mine”. The current owner reportedly had plans to build on the 1067-square-metre block, but these have since fallen through. An oven, bed, and a fridge with writing on it remain in the house, along with a single basin on the floor in one room. The space underneath the home is also partially enclosed, with an existing shower and the potential to be turned into a studio. Images: Raine & Horne Innisfail

Real Estate

Gender pension gap: why women save less - and why that’s changing dramatically

One issue <a href="https://www.scottishwidows.co.uk/knowledge-centre/gender-pension-gap/">that has</a> attracted <a href="https://prospect.org.uk/article/what-is-the-gender-pension-gap/#:%7E:text=The%20gender%20pension%20gap%20is,gap%20that%20year%20(17.3%25).">growing attention</a> in <a href="https://www.aviva.co.uk/aviva-edit/your-money-articles/women-know-gender-pension-gap/">recent years</a> is the “gender pension gap” – the fact that on average, women have lower private pension wealth and lower income in retirement than men. But before rushing to conclusions about how to “fix” this, it is crucial to understand what lies behind any pension differences between men and women. There are three main potential drivers behind this phenomenon: <ol> <li> Different labour market experiences: the “<a href="https://www.ifs.org.uk/publications/10358">gender pay gap</a>”, and the fact that <a href="https://ec.europa.eu/eurostat/statistics-explained/index.php?title=Duration_of_working_life_-_statistics#:%7E:text=In%202019%2C%20the%20estimated%20expected,aged%2015%20years%20and%20more">men have</a> longer paid working lives than women; </li> <li> Different investment strategies: when it comes to <a href="https://www.gov.uk/pension-types">defined contribution pensions</a>, <a href="https://s-h-w.com/news-articles">men choose</a> to invest in portfolios with a higher expected rate of return. </li> <li> Different saving rates: as <a href="https://www.ifs.org.uk/publications/15425">we investigate</a> below, men and women may also differ in how likely they are to be offered a pension in their job, or tend to work for employers that contribute more or less to a pension, or tend to make different contributions themselves. </li> </ol> Importantly, the role of these potential drivers will have changed over time for various reasons. Mothers <a href="https://www.ons.gov.uk/employmentandlabourmarket/peopleinwork/employmentandemployeetypes/articles/familiesandthelabourmarketengland/2019#:%7E:text=In%20April%20to%20June%202019%2C%20three%20in%20four%20mothers%20with,mothers%20in%20employment%20in%202000.">have increasingly participated</a> in the labour market over the years, for example. Final salary pensions have been reformed to career average schemes, which in particular reduced the generosity for long stayers and those with stronger pay growth, <a href="https://www.pensionspolicyinstitute.org.uk/sponsor-research/research-reports/2013/17-05-2013-the-implications-of-the-coalition-governments-public-service-pension-reforms/">affecting men</a> more than women. Also, <a href="https://www.pensionsadvisoryservice.org.uk/about-pensions/pensions-basics/automatic-enrolment">automatic enrolment</a> has been introduced for workplace pensions, which affected everyone’s participation in them. Gaps in pension income today may therefore reflect labour markets and pension arrangements from many years ago, and the gap in pension income for current working-age individuals may be quite different when they reach retirement. In an ongoing programme of work at the Institute for Fiscal Studies, funded by the <a href="https://www.nuffieldfoundation.org/">Nuffield Foundation</a>, we are examining in detail differences in pension saving rates between men and women that will contribute to a future “gender pension gap” for today’s working age individuals. <h2>Making sense of the gap</h2> In a <a href="https://www.ifs.org.uk/publications/15421">first publication</a>, we have documented differences in average pension saving between male and female employees before the introduction of <a href="https://www.pensionsadvisoryservice.org.uk/about-pensions/pensions-basics/automatic-enrolment">automatic enrolment</a> in 2012. We found that on average across all employees (whether saving in a pension or not), women of all ages actually contributed more as a proportion of their earnings each year than men. However, this was driven by the fact that women were more likely to work in the public sector, where contribution rates are typically higher. Examining average pension saving among men and women within each sector reveals a different pattern. The average saving rates of male and female employees were similar until around age 35 but then diverged, with average contributions continuing to increase with age for men but not changing for women. The graphs below unpick what was driving this pattern among private-sector employees in Great Britain (though the pattern was broadly similar for public-sector employees). It was caused by the extent to which men and women participated in a pension. The proportion of men and women saving anything in a private pension was similar until around age 30 but then diverged, with men increasingly likely to be saving in a pension as they get older, while women’s pension participation plateaued. On the other hand, average contribution rates for those saving in a pension were actually slightly higher as a share of earnings among women than men. Pension participation in overall savings <img src="https://oversixtydev.blob.core.windows.net/media/2022/10/graph-1.jpg" alt="" width="1280" height="720" /> Average contribution rates in pension savings <img src="https://oversixtydev.blob.core.windows.net/media/2022/10/graph-2.jpg" alt="" width="1280" height="720" /> What might have been driving differences in pension participation? The timing of the divergence in people’s lives mirrored the evolution of the gender gaps <a href="https://www.ons.gov.uk/employmentandlabourmarket/peopleinwork/earningsandworkinghours/bulletins/genderpaygapintheuk/2020">in pay</a>, <a href="https://www.ifs.org.uk/publications/13673">commuting</a> and <a href="https://www.ifs.org.uk/publications/14032">firm productivity</a>, and suggested that the arrival of children and related employment decisions was an important factor. So in our ongoing programme of research we are examining whether the gap in pension participation is associated with the arrival of children, and the extent to which female employees received a different pension offer from their employer, or made different saving decisions when presented with the same offer as male employees. <h2>Effect of automatic enrolment</h2> The introduction of automatic enrolment into workplace pensions has substantially changed pension-saving behaviour – in particular, substantially increasing pension participation among employees targeted by the policy. The graph below shows the proportion of male and female employees of different ages who were saving in a private workplace pension in 2012 and 2019 in Great Britain. The pattern in 2012 is represented by the two sets of dashed lines, with men again in blue and women in purple. It is similar to that estimated in the first graph in this article. But the pattern in 2019 is totally different. Rather than participation diverging at a particular age, women are now slightly less likely to be in a pension at all ages than men (but the level of participation among both is considerably higher). Automatic enrolment will therefore have fundamentally changed the nature of the gender gap in pension-saving rates going forwards. Pension participation 2019 vs 2012 <img src="https://oversixtydev.blob.core.windows.net/media/2022/10/graph-3.jpg" alt="" width="1280" height="720" /> This highlights the importance of examining gender differences in saving rates, rather than just accrued pension wealth or pension income. Focusing on the latter risks developing policies to fix a perceived problem that has already changed. Image credits: Getty Images This article originally appeared on <a href="https://theconversation.com/gender-pension-gap-why-women-save-less-and-why-thats-changing-dramatically-160648" target="_blank" rel="noopener">The Conversation</a>.

Retirement Income

Covid antiviral found to be “less effective” than placebo

Australia’s most widely-prescribed antiviral treatment for COVID-19 has been called into question seven months after it became available, after the results of a study into antiviral treatments found it was less effective than we initially thought. Molnupiravir, sold as Lageviro in Australia, has been prescribed to Aussies at a higher risk of severe illness from COVID-19 around 237,440 times since it was included in the Pharmaceutical Benefits Scheme (PBS) in March, according to the <a href="https://www1.racgp.org.au/newsgp/clinical/doubts-over-impact-of-key-antiviral-treatment" target="_blank" rel="noopener">RACGP</a>. But, preliminary data from <a href="https://papers.ssrn.com/sol3/papers.cfm?abstract_id=4237902" target="_blank" rel="noopener">a study called PANORAMIC</a>, conducted by the University of Oxford, suggests that molnupiravir is not much better at reducing hospitalisation or deaths than those receiving standard care. Out of 25,000 adults included in the PANORAMIC trial, 103 of the 12,516 people taking molnupiravir were hospitalised or died in comparison to 96 of the 12,484 people not taking the drug. However, the study did find that those taking molnupiravir recovered more quickly. While the people participating in this trial were mostly vaccinated and healthy, <a href="https://www.researchsquare.com/article/rs-2115769/v1" target="_blank" rel="noopener">another study</a> involving nearly 20,000 adults over 40 - including 1000 being treated with molnupiravir and most having immunity from vaccinations of prior Covid infections - found that the rate of hospitalisation dropped by nearly half and deaths were reduced by nearly 75 percent among those aged over 65. The trial has confirmed long-held suspicions While the results of the PANORAMIC trial have caused a stir, with Australia’s National COVID-19 Clinical Evidence Taskforce saying it would review the study and probably update its recommendations, scientists have been sceptical of the effectiveness of molnupiravir for a while. Professor Peter White, who researches viruses, including their evolution and treatment with antivirals at the UNSW, Sydney, is one such sceptic. He tells OverSixty that we can expect to see similar results until a fundamental change is made to how we produce COVID-19 treatments. “The drugs that we’re using on coronavirus, like molnupiravir and paxlovid, both of those are actually designed for influenza, not for coronavirus. They were repurposed,” he explains. “And to me, that has never really worked well, like the drugs for HIV and HCV.” Professor White says this is because molnupiravir belongs to a particular class of drug called nucleotide analogues, which he says are the most common type of antiviral we use. “It’s a mimic of a natural RNA, what we call a nucleotide analogue, or a mimic of one of the four building blocks of life. In this case it’s an RNA molecule rather than DNA,” he explains. These drugs, which are used to treat hepatitis B and C, HIV, and herpes viruses among others, work by mimicking RNA and DNA molecules viruses use to replicate. “They tend to work by chain termination. The polymerase isn’t sophisticated enough to see that it’s not a true building block so they get incorporated into the new viral genomes,” Professor White explains. “So it incorporates into the growing RNA strand, but then nothing else can get incorporated and replication of the virus is stopped and you won’t get any replication from that strand.” But, a small percentage of nucleoside analogues don’t work like this, and molnupiravir is one of them. Instead, they introduce more mutations to the RNA than normal, which drives the virus into ‘error catastrophe’, otherwise known as lethal mutagenesis. “The virus ends up over-mutating and killing itself,” Professor White says. A comedy of errors isn’t that effective for viruses Antivirals that introduce mutations, such as molnupiravir, aren’t as effective as the chain terminating antivirals, according to Professor White, The only effective example, a drug developed to treat hepatitis C called ribavirin, came with severe side effects, including flu-like symptoms. But, it turns out that nucleoside analogues are quite specific too, primarily working on the virus they were designed for. “The antivirals that work really well have been designed against the virus that they were aimed to target,” Professor White explains. “And we haven’t had enough time to design really good coronavirus-specific antivirals. We’ve had enough time to repurpose Ebola and influenza drugs for coronaviruses, but most of the time it doesn’t work well. “And [molnupiravir] is another example of it not working.” History repeats itself Australia was one of the more aggressive purchasers of molnupiravir, with the <a href="https://www.smh.com.au/national/not-having-a-big-impact-covid-drug-fails-to-beat-placebo-in-major-trial-20221010-p5bohc.html" target="_blank" rel="noopener">Sydney Morning Herald</a> reporting that 301,000 courses of the antiviral were purchased in late 2021, before it was approved by the Therapeutic Goods Administration (TGA). But, this isn’t the first time we’ve secured large amounts of a drug that later proved less effective than we expected. “This is exactly what happened with Tamiflu (the antiviral used to treat influenza),” Professor White says. “Australia and many other countries bought millions of dollars worth of Tamiflu, which never got used. And then five years later, some clinical trials that weren’t published got released … and it was shown that they released the good (results) in the earlier trials and this drug isn’t as effective as we first thought.” While we might be scrambling to find the next best treatment as soon as we can, Professor White says that developing effective drugs takes time - and that drugs specifically targeting Covid’s polymerase and protease enzymes will be the most effective. “That’s the problem we’ve got at the moment. We’ve got repurposed drugs for other viruses, and maybe they work a little bit and they’ve been approved because we’ve got nothing else as yet,” he says. “But this is not the end of the story. This is not the true, good drug that we could actually find. “We could do a lot better, but we’re going to have to wait a couple of years.” Image: Getty Images

Body

“Less is more”: Skin doctor shares her holy grail skincare routine

A skin and cosmetic doctor has shared her holy grail skincare routine that focuses on a “less is more” approach for more mature skin. Dr Imaan Joshi, 49, only began her foray into the complicated world of skincare when she was 42, and now had refined her routine to work in her favour. Dr Joshi only cleanses once each day, uses a handful of serums in the morning and puts on hyaluronic acid and retinol before bed. Chatting with <a href="https://www.dailymail.co.uk/femail/beauty/article-11300931/Skin-doctor-shares-products-uses-face-everyday.html">Femail</a>, she admitted she prefers the “wash and wear” approach to achieving healthy skin. “You don’t need 10 steps or whatever to get the job done if you use targeted personalised stuff for you and stop following fads and trends,” she said. “Most of my patients are busy with hectic lifestyles. Keeping it simple means they’re more likely to stick to their routines rather than skip it completely because it’s too hard.” She also says looking after your skin isn't about “looking younger”, but rather about looking healthier. “I think my skin looks better but the goal is never to look younger. I’m not trying to pass as younger, that’s an unintended consequence if it happens, not the goal,” she said. As well as her five minute a day routine in the mornings and evenings, Dr Joshi also likes to do monthly laser and chemical peels, and an 'anti-wrinkle' treatment every three or four months. She also likes to do micro needling or have a deep hydration done twice each year. While she admits these treatments, creams and clinic visits can “all add up”, she says it's important to invest in your skincare the same way you would your physical health. Image credits: Instagram

Beauty & Style

7 tricks to use less phone data – and lower your phone bill

Turn off background app refresh <img src="https://oversixtydev.blob.core.windows.net/media/2022/10/01-background-simple-ways-use-less-data-770.jpg" alt="" width="770" height="514" /> When this feature is enabled, your apps are constantly refreshing so that they can show you the most recent content when opened. This includes email synching, weather widgets updating, and feeds refreshing. For the iPhone: Turn off the background app refresh by going to Settings > General > Background App Refresh. For Android: Go to Settings > Data Usage > Restrict app background data. This will allow you to turn the feature off for all apps or you can pick and choose which ones you want to turn off. Disable apps that use a lot of data <img src="https://oversixtydev.blob.core.windows.net/media/2022/10/02-disable-simple-ways-use-less-data-770.jpg" alt="" width="770" height="514" /> There are certain apps that use more data than others, whether you use them frequently or not. For ones that you don’t use often, turn off cellular data. For the iPhone: Go to Settings > Cellular > then under “Use Cellular Data For” switch certain apps to off. Turn off app updates <img src="https://oversixtydev.blob.core.windows.net/media/2022/10/03-updates-simple-ways-use-less-data-770.jpg" alt="" width="770" height="514" /> If your apps update automatically your phone will start the download whether you are connected to Wi-Fi or not. To turn this off on an iPhone, go to Settings > iTunes & App Stores > turn off Use Cellular Data. For an Android, go to Settings > under General click Auto-update apps > Auto-update apps over Wi-Fi only. Then, your apps will only update when you are connected to Wi-Fi. Turn off Wi-Fi assist <img src="https://oversixtydev.blob.core.windows.net/media/2022/10/04-wifi-simple-ways-use-less-data-770.jpg" alt="" width="770" height="514" /> Wi-Fi assist automatically uses your cellular data when the Wi-Fi signal is poor. To disable Wi-Fi assist for an iPhone go to Settings > Cellular > turn off Wi-Fi Assist. Turn off iCloud drive <img src="https://oversixtydev.blob.core.windows.net/media/2022/10/05-icloud-simple-ways-use-less-data-770.jpg" alt="" width="770" height="514" /> When iCloud is enabled it is constantly moving documents in and out of the cloud. Use less cell phone data by turning iCloud off. To do this on the iPhone got to Settings > iCloud > turn off iCloud Drive. Download music <img src="https://oversixtydev.blob.core.windows.net/media/2022/10/06-download-simple-ways-use-less-data-770.jpg" alt="" width="770" height="514" /> When you are on the go, streaming music, podcasts, or videos can really eat away at your data. Both the iPhone and Android phones let you restrict these apps to Wi-Fi only. Turning this setting on will force you to download them when connected to a Wi-Fi network and then allow for data free listening on the move. Turn off cellular data completely <img src="https://oversixtydev.blob.core.windows.net/media/2022/10/07-turn-simple-ways-use-less-data-770.jpg" alt="" width="770" height="514" /> If you know that you are about to reach you data limit or are saving it for the road trip you have coming up, you can simply turn off cellular data. This way, no data will be used, and certain apps will only work if you are connected to a Wi-Fi network. Written by Morgan Cutolo. This article first appeared in <a href="https://www.readersdigest.com.au/culture/7-tricks-to-use-less-phone-data-and-lower-your-phone-bill" target="_blank" rel="noopener">Reader’s Digest</a>. For more of what you love from the world’s best-loved magazine, <a href="http://readersdigest.innovations.com.au/c/readersdigestemailsubscribe?utm_source=over60&utm_medium=articles&utm_campaign=RDSUB&keycode=WRA87V" target="_blank" rel="noopener">here’s our best subscription offer.</a> Images: NICOLE FORNABAIO/RD.COM

Technology

Being in a couple can leave women with less savings – here’s how to make nest eggs more equal

Growing <a href="https://www.oecd-ilibrary.org/employment/oecd-employment-outlook-2015_empl_outlook-2015-en">job insecurity</a>, <a href="https://news.sky.com/story/signs-of-worst-year-for-stock-market-investors-in-a-decade-after-wall-street-slips-into-bear-market-and-bitcoin-crashes-12633745">financial market volatility</a> and <a href="https://www.theguardian.com/business/2022/may/18/uk-pensioners-cost-of-living-crisis">rising prices</a> have created an extremely uncertain environment for UK savers. The country’s welfare provisions are <a href="https://www.oecd.org/unitedkingdom/PAG2017-GBR.pdf">among the lowest</a> of all OECD countries and a growing number of pensioners are finding it difficult to gain <a href="https://www.theguardian.com/society/2022/mar/17/number-of-pensioners-in-relative-poverty-in-uk-up-200000-in-a-year">financial security</a> in later life. Even well-known <a href="https://metro.co.uk/2022/03/20/money-saving-expert-martin-lewis-runs-out-of-advice-on-cost-of-living-crisis-16309470/">money-saving experts</a> have run out of ideas to help those struggling with their finances. In such tough times, people planning for old age must be even more canny about their money to ensure there is enough for a comfortable retirement. Pension planning typically starts with a long-term savings goal to ensure an adequate income during retirement. Then savers usually make regular contributions to suitable investment products in line with this goal over the course of their working lives. Our recent research shows, however, that there are differences in the way people decide on and work towards those goals. We believe these differences may contribute to a wealth gap between men and women in the UK, with more women in danger of being left financially vulnerable than men. The commitment you make when you set a goal essentially motivates you to achieve that goal, according to certain <a href="https://www.sciencedirect.com/science/article/pii/S0022053113000033?casa_token=0_ot9tQqosQAAAAA:Br_9n9OaTKs25D1plcAHmBefoy5suGqafNYG3Ab0FZXhlLd4sLnumW6JHa80ArKHx5zfDGNT">behavioural science</a> theories. In other words, people with ambitious savings goals can be expected to end up with more money in their retirement accounts, compared with those with modest savings goals. Less ambitious savers may not strive to put away more than planned because they believe they will fail. Based on our <a href="https://onlinelibrary.wiley.com/doi/abs/10.1111/kykl.12294">recent research</a> into long-term savings goals, we believe such differences in attitudes may contribute to the <a href="https://www.prospectmagazine.co.uk/other/gender-wealth-gap-women-investing">£15 billion wealth gap</a> between men and women. <h2>Growing gender wealth gap</h2> Our study <a href="https://onlinelibrary.wiley.com/doi/abs/10.1111/kykl.12294">explores long-term savings goals</a> among 1,760 clients at a well-established UK investment firm, combined with insights from 56 interviews with another group of UK-based men and women savers. It uncovers a third possible explanation for a rising gender wealth gap in the UK, besides income differentials (based on the <a href="https://www.aeaweb.org/articles?id=10.1257%2Fjel.20160995&source=post_page---------------------------">gender pay gap</a>, the <a href="https://www.aeaweb.org/articles?id=10.1257/app.20180010">child penalty</a>, <a href="https://www.journals.uchicago.edu/doi/full/10.1086/511799?casa_token=icrT0aW2dYUAAAAA%3A7k6cPuNg15qaB6ICZbBe7OO8tffw6404qf-kN-1e5lIVWjNyTlC2MOUD7We4CMNUOVWz8krjIQ">the motherhood penalty</a>) and investment differentials that generally show men earning higher financial returns because they tend to <a href="https://onlinelibrary.wiley.com/doi/full/10.1111/j.1465-7295.2008.00201.x?casa_token=Bf3MjE7ar9UAAAAA%3A3lEvIUQjvDM4OaPUTW5tnUkbMAnn8-EZtknAR9Mx98_BNwNttlxF6i7jEYYCGHxr_3b9BLM_UxCr">take more risk</a>. This third reason, our analysis suggests, is that gender norms influence attitudes towards saving. This tends to negatively affect women in couples most of all. We found that men and women who are married or cohabiting tend to strongly diverge when it comes to their chosen savings goals, compared with those who live on their own. More specifically, married or co-habiting men are more likely to be in charge of long-term saving for the household and they typically choose more ambitious personal savings goals. Those higher savings goals were not affected by expected levels of income and so could not be attributed to a gender pay gap. Similarly, we also controlled for varying attitudes toward risk-taking in investment portfolios. <h2>The role of gender norms</h2> So why do men and women in couples save so differently? Our research shows that these differences are linked to the traditional gender roles often assigned to particular members of households. When women are in charge of caring and domestic work such as childcare, grocery shopping and short-term budgeting, there is a tendency to focus on short-term financial security. Perhaps in anticipation of adverse events affecting their daily budget management, these women tend to choose modest savings goals and accessible financial products such as <a href="https://www.gov.uk/individual-savings-accounts">individual savings accounts</a> (ISAs). On the other hand, we found that men in couples tend to choose more ambitious goals and use investment products that are designed for longer-term savings habits and have the potential for <a href="https://www.vanguardinvestor.co.uk/articles/latest-thoughts/retirement/sipp-or-isa-how-do-you-decide#:%7E:text=SIPP%20or%20ISA%3A%20how%20your%20hypothetical%20savings%20might%20grow">better returns</a>. For example, <a href="https://www.moneyhelper.org.uk/en/pensions-and-retirement/pensions-basics/self-invested-personal-pensions?source=mas">self-invested personal pensions</a> provide more options and control over what you can invest in and when, compared with a standard personal pension or an ISA. Men are also more often assigned to the role of managing long-term investing tasks, according to our research. This encourages a focus on long-term wealth growth and reinforces their willingness to set challenging goals. These findings are intensified within couples with a more “traditional” division of roles - that is, when the man is the breadwinner. For single people, however, men and women perform both the short- and long-term financial tasks and we found no gender differences in savings goals among this type of study participant. This absence of any gender-based effect among the people in our study who are not part of a couple shows a clear need to move beyond simply accepting that all men and women <a href="https://onlinelibrary.wiley.com/doi/full/10.1111/j.1465-7295.2009.00251.x?casa_token=DjyY7QO3AbYAAAAA%3Alqjh1kacbeO6WWPm8a778_QyzCAEYEQ4L5DISL4yRPjIMBh_Vne1e1UkFSyXeIlWpKbDBS9wMJ_V">think differently</a> about saving and investing when discussing retirement planning and financial risk-taking. Exploring the context in which people make financial decisions is much more important. Highlighting when goals are unambitious compared to people with similar wealth and incomes, for example, could reduce the effect of gender norms on financial decisions. In particular, it should be emphasised that, by leaving their male partner to accumulate money for the household, women may increase their financial dependency. In that context, late divorce or separation could have a dramatic effect on financial security for those <a href="https://www.theguardian.com/lifeandstyle/2017/mar/19/divorce-women-risk-poverty-children-relationship">without legal protection</a>. Given the continued uncertainty around the economic outlook, addressing the gender wealth gap in this way will help to create a more secure future for all UK savers. Image credits: Getty Images This article originally appeared on <a href="https://theconversation.com/being-in-a-couple-can-leave-women-with-less-savings-heres-how-to-make-nest-eggs-more-equal-186269" target="_blank" rel="noopener">The Conversation</a>.

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Being in a couple can leave women with less savings – here’s how to make nest eggs more equal

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