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

<p>There are many reasons why you may look to refinance your home. The obvious one is to lower mortgage repayments with a better rate. However, other reasons people refinance later in life include:</p> <ul> <li>unlocking equity to invest</li> <li>paying down other debts</li> <li>buying a holiday home</li> <li>funding extended travel</li> <li>launching a new business</li> <li>supporting children with a property deposit</li> </ul> <p>Regardless of why you want to refinance, the points below will help you navigate your options.</p> <p><strong>Changing lenders</strong></p> <p>It may have been a while since you last revisited your mortgage, meaning you may not be aware of current lending options and traps.</p> <p>A common trick lenders use is the so-called “headline rate” to grab your attention. However, this interest rate is typically not what you end up paying. It may only be an introductory rate for the first few months, or hefty fees attached may wipe out any savings.</p> <p>Banks aren’t the only ones offering loans nowadays. Registered non-bank lenders, fintechs and online lenders can refinance your mortgage and provide other credit services the same as any bank; they just don’t take cash deposits. Alternatively, you could explore credit unions and mutual societies.</p> <p>Also consider any shareholder benefits you may have. Most banks have done away with them now but may still honour pre-existing ones. If you change lenders, you could lose this entitlement – permanently.</p> <p><strong>Reverse mortgages</strong></p> <p>Generally, only available to people aged 60-plus, a reverse mortgage effectively allows you to unlock equity in your home without you needing to make immediate repayments.</p> <p>However, they often have strict conditions including:</p> <ul> <li>minimum borrowing amounts</li> <li>maximum borrowing ratios</li> <li>higher interest rates than standard mortgages</li> </ul> <p>Crucially, the interest accrues over time and is repaid when you sell, move or pass away. As such, your debt liability grows over time – potentially impacting your future living arrangements and how much is left for beneficiaries in your will. The Govt has the “loan equity scheme” as another option to lenders. I just want to highlight the need to be careful with reverse mortgages.</p> <p><strong>Changing homes</strong></p> <p>Rather than selling, downsizing could involve making an investment property your primary residence and then renting out your existing home.</p> <p>This approach may require you to refinance both loans simultaneously. There will also be tax considerations to work through – including Capital Gains Tax liabilities when you do sell, negative gearing, depreciation, and changes to your income tax.</p> <p>Then there are the lifestyle factors to weigh up, especially if you are moving to a different area:</p> <ul> <li>living expenses</li> <li>insurance and travel costs</li> <li>access to healthcare</li> <li>rental income</li> <li>property management expenses</li> </ul> <p>Remember that if you have a Self Managed Super Fund (SMSF), it CANNOT own any property that you directly use yourself, including your home.</p> <p><strong>Becoming Bank of Mum and Dad</strong></p> <p>Refinancing can unlock equity to support adult children with their first property deposit. However, it isn’t without its risks.</p> <p>Ask yourself honestly:</p> <ul> <li>Will this be a gift or loan?</li> <li>If a loan, under what terms? Will interest be applied? How and when will repayments be made? What if they default?</li> <li>What happens if their relationship breaks down, will you get your money back?</li> <li>How does going without that money affect your retirement?</li> <li>Do you have alternative assets to support you if your circumstances change?</li> <li>How does this affect inheritances or deposit contributions to your other children?</li> <li>Can you assist them another way without using your home equity?</li> </ul> <p>Draw up a written agreement outlining all conditions and scenarios to avoid disagreements in the future.</p> <p><strong>Pension impacts</strong></p> <p>Don’t overlook how refinancing your home could impact your pension. While your home is exempt from the means test, any income or assets you generate from unlocking equity is not.</p> <p>You could inadvertently see your pension amount reduced or your eligibility voided altogether. This would come as a nasty shock if you haven’t pre-budgeted for such a change!</p> <p><strong>Getting advice</strong></p> <p>To ensure you get the best bang for your buck when refinancing, be sure to enlist the help of a good:</p> <ul> <li>mortgage broker to source the best loans for your circumstances</li> <li>insurance broker to ensure your cover is right sized for your needs, risk and budget</li> <li>accountant to work through any tax implications</li> <li>estate planner to manage any changes</li> <li>financial adviser to keep your investments and financial strategy working for you</li> </ul> <p>Ultimately, decisions – including about refinancing – are only as good the information you have at hand. So, make sure you have all the relevant facts before signing on the dotted line.</p> <p><em><span style="line-height: 18.4px; font-family: Calibri, sans-serif; color: #242424;">Helen Baker is a licensed Australian financial adviser and author of the new book, Money For Life: How to build financial security from firm foundations (Major Street Publishing $32.99). Helen is among the 1% of financial planners who hold a master’s degree in the field. Proceeds from book sales are donated to charities supporting disadvantaged women and children. Find out more at </span><a style="color: #467886;" title="http://www.onyourowntwofeet.com.au/" href="http://www.onyourowntwofeet.com.au/"><span style="line-height: 18.4px; font-family: Calibri, sans-serif;">www.onyourowntwofeet.com.au</span></a></em></p> <p><em><span style="line-height: 18.4px; font-family: Calibri, sans-serif; color: #242424;">Disclaimer: The information in this article is of a general nature only and does not constitute personal financial or product advice. Any opinions or views expressed are those of the authors and do not represent those of people, institutions or organisations the owner may be associated with in a professional or personal capacity unless explicitly stated. Helen Baker is an authorised representative of BPW Partners Pty Ltd AFSL 548754.</span></em></p>

Money & Banking

Why older couples love short cruises for a quick romantic getaway

<p>Long holidays are great, but they are not always practical, especially when you just want a quick break together. They can be expensive, require a lot of planning and sometimes feel more tiring than relaxing. </p> <p>A <span lang="EN-GB"><a href="https://www.carnival.com.au/short-cruises" target="_blank" rel="noopener"><span lang="EN-GB" style="color: #1155cc;">smooth, short cruise</span></a></span> is the perfect balance for older couples. There’s just enough time to unwind, visit new places and enjoy amazing food and entertainment, all without the stress of organising every detail.</p> <p>With options from Carnival, Australia’s leading cruise line, a quick and relaxing romantic getaway is easier than ever. Everything is taken care of, so you can simply step on board and make the most of your time together.</p> <p>To show you what makes them special, here’s why short cruises have become a favourite getaway for couples looking to relax and reconnect.</p> <p><strong><span style="font-size: 14pt;">Skip the stress and start your holiday sooner</span></strong></p> <p>Planning a holiday can sometimes feel like more trouble than it’s worth. Long flights, busy airports and endless logistics take time and effort, which can make a romantic getaway feel stressful before it even begins. But taking a break doesn’t have to be complicated.</p> <p>A Carnival <span lang="EN-GB"><a href="https://www.carnival.com.au/short-cruises/sydney" target="_blank" rel="noopener"><span lang="EN-GB" style="color: #1155cc;">short cruise from Sydney</span></a></span> or Brisbane is an easy way to escape for a few days without the stress of flights or long drives. Enjoy slow mornings together on a peaceful deck, take in the ocean views or visit a beautiful destination like Tasmania or Moreton Island. </p> <p><strong><span style="font-size: 14pt;">Enjoy time together without going far</span></strong></p> <p>You don’t need to travel far to enjoy a romantic break. A short cruise lets you escape for a few days, soak up the ocean views and spend uninterrupted time together. Set sail from Brisbane or Sydney and choose from a three-day cruise at sea, a four day cruise to Moreton Island or Airlie Beach, or a <span lang="EN-GB"><a href="https://www.carnival.com.au/short-cruises/5-day" target="_blank" rel="noopener"><span lang="EN-GB" style="color: #1155cc;">five-day cruise</span></a></span> to Tasmania.</p> <p><strong><span style="font-size: 14pt;">Spend quality time with onboard activities</span></strong></p> <p><strong><span style="font-size: 14pt;"><img src="https://oversixtydev.blob.core.windows.net/media/2025/02/Carnivalimage-1.jpg" alt="" width="1280" height="720" /></span></strong></p> <p>Finding time to unwind together isn’t always easy, but a Carnival short cruise makes it simple. With plenty of <span lang="EN-GB"><a href="https://www.carnival.com.au/onboard" target="_blank" rel="noopener"><span lang="EN-GB" style="color: #1155cc;">exciting onboard activities</span></a></span>, you can do as much or as little as you like. </p> <p>Lounge by the pool, enjoy some quiet time at <span lang="EN-GB"><a href="https://www.carnival.com.au/onboard/serenity" target="_blank" rel="noopener"><span lang="EN-GB" style="color: #1155cc;"><span lang="EN-GB"> an</span></span><span lang="EN-GB" style="color: #1155cc;"> </span><span lang="EN-GB" style="color: #1155cc;"><span lang="EN-GB">a</span></span><span lang="EN-GB" style="color: #1155cc;"><span lang="EN-GB">dults-</span></span><span lang="EN-GB" style="color: #1155cc;"><span lang="EN-GB">o</span></span><span lang="EN-GB" style="color: #1155cc;"><span lang="EN-GB">nly </span></span><span lang="EN-GB" style="color: #1155cc;"><span lang="EN-GB">r</span></span><span lang="EN-GB" style="color: #1155cc;"><span lang="EN-GB">etreat</span></span></a></span> or watch a live music performance. You can even play video games or visit the fitness centre together. For total relaxation, book a couples’ treatment at Cloud 9 Spa* and let the stress melt away.</p> <p>In the evening, share new experiences together. Watch a Playlist Productions show, enjoy stand-up comedy at The Punchliner Comedy Club or settle in for a movie under the stars. If you prefer a quieter night, find a cosy spot to take in the ocean views or enjoy a drink with live acoustic music.</p> <p><strong><span style="font-size: 14pt;">Share great food at every meal</span></strong></p> <p><strong><span style="font-size: 14pt;"><img src="https://oversixtydev.blob.core.windows.net/media/2025/02/Carnivalimage-3.jpg" alt="" width="1280" height="720" /></span></strong></p> <p>Good food is even better when shared, and a Carnival short cruise gives couples plenty of <span lang="EN-GB"><a href="https://www.carnival.com.au/dining" target="_blank" rel="noopener"><span lang="EN-GB" style="color: #1155cc;">dining </span></a></span>options to enjoy together. Start the day with a relaxed breakfast and freshly brewed coffee, or grab a quick bite from the main dining room. For a special night, Fahrenheit 555* or Luke’s Bar & Grill* serves perfectly cooked steaks and fresh seafood in a cosy setting.</p> <p>If you’re in the mood for something to eat, the pizzeria has fresh-made pizza, and Bonsai Sushi Express* offers quick, fresh sushi. For something classic, Guy’s Burger Joint serves juicy burgers. With so many choices, every meal is a chance to relax and spend time together.</p> <p><strong><span style="font-size: 14pt;">Plan your next romantic getaway</span></strong></p> <p>A few days away is sometimes all you need to recharge and reconnect. On a short cruise, you can enjoy new experiences, soak up the ocean views and make the most of every moment together without worrying about travel logistics.</p> <p>All the details are sorted, so you can focus on choosing the perfect destination and how long you’d like to relax together. Visit the <span lang="EN-GB"><a href="https://www.carnival.com.au/" target="_blank" rel="noopener"><span lang="EN-GB" style="color: #1155cc;">Carnival Cruise website</span></a></span> to find a short cruise that fits your schedule, and start planning your next romantic getaway today.</p> <p><em>Images: Supplied<br /></em></p> <p><em>*Charges apply</em></p> <p><em>This is a sponsored article produced in partnership with Carnival</em></p>

Cruising

"Love never dies": Tributes flow for Iconic Hollywood star

<p>Hollywood is mourning the loss of one of its most beloved stars, Richard Chamberlain, who passed away at the age of 90. The acclaimed actor, best known for his roles in <em>The Thorn Birds</em>, <em>Dr Kildare</em> and the stage production of <em>The Sound of Music</em>, died from complications following a stroke, his publicist Harlan Boll confirmed to <em>Variety</em>.</p> <p>Born George Richard Chamberlain, the actor died in Hawaii, leaving behind a legacy that spanned over six decades. His career took off in the early 1960s when he starred as the charming Dr James Kildare in the hit television series <em>Dr Kildare</em> (1961-1966), a role that quickly made him a teen idol.</p> <p>Chamberlain became a household name and was soon dubbed the "king of the mini-series" after starring in a string of highly acclaimed television dramas throughout the 1980s. His extensive stage work further demonstrated his versatility, portraying characters such as Professor Henry Higgins in <em>My Fair Lady</em>, Captain von Trapp in <em>The Sound of Music</em> and Shakespearean roles like Hamlet and Richard II.</p> <p>He also made history as the original Jason Bourne in the 1988 mini-series adaptation of <em>The Bourne Identity</em>, showcasing his ability to captivate audiences across various genres.</p> <p>Following his passing, his longtime partner Martin Rabbett shared a heartfelt tribute: "Our beloved Richard is with the angels now. He is free and soaring to those loved ones before us. How blessed were we to have known such an amazing and loving soul. Love never dies. And our love is under his wings lifting him to his next great adventure."</p> <p>One of Chamberlain’s most memorable roles was in <em>The Thorn Birds</em>, the ABC mini-series based on Colleen McCullough’s novel, in which he portrayed Father Ralph de Bricassart. The series, a sweeping saga set in the Australian outback, remains one of television’s most cherished dramas.</p> <p>In later years, Chamberlain continued to make appearances in popular shows, including <em>Touched by an Angel</em>, <em>Nip/Tuck</em>, and <em>Chuck</em>. His final acting credit came in 2019 with the film <em>Finding Julia</em>.</p> <p>Chamberlain leaves behind a body of work that will be cherished by fans for generations. His charisma, talent and passion for his craft made him a true Hollywood legend.</p> <p><em>Images: Instagram</em></p>

Caring

Why do I grieve my childhood home so much now we’ve sold it?

<div class="theconversation-article-body"> <p>Grief can hit us in powerful and unanticipated ways. You might expect to grieve a person, a pet or even a former version of yourself – but many people are surprised by the depth of sad yearning they can feel after selling the childhood home.</p> <p>In fact, it is <a href="https://link.springer.com/article/10.1007/s10615-018-0682-5">normal to grieve a place</a>. And this grief can be especially profound if it coincides with a parent dying or moving into residential aged care, leading to the sale of their house.</p> <p>Grief is the response to the loss of anything to which we have an emotional connection. A <a href="https://link.springer.com/article/10.1007/s10615-018-0682-5">growing body</a> of <a href="https://www.taylorfrancis.com/books/mono/10.4324/9780203860731/counting-losses-darcy-harris">research</a> is looking at how grief can extend to “non-person” losses such as infertility, loss of religion and, yes, the loss of a former home.</p> <h2>Why would someone grieve a house?</h2> <p>The childhood home can be an important place for many of us. It literally housed our formative development, family bonds, and core memories. Hopefully, the childhood home is where we learned about safety, security and love.</p> <p>It was likely surrounded by our neighbourhood, and close to important places such as school, playgrounds and friends’ houses. It is no wonder we grieve it when it’s gone.</p> <p>It’s normal to <a href="https://www.taylorfrancis.com/chapters/edit/10.4324/9781315126197-20/grieving-lost-home-marc-fried">grieve things we can’t see and touch</a> but are real and valued. Just as a <a href="https://doi.org/10.1002/pon.70031">serious diagnosis might trigger</a> grief for an imagined future for yourself, or an <a href="https://doi.org/10.1177/1049732314538550">identity</a> you once cherished, loss of a childhood home can hit us harder than we think.</p> <p>When you sell a once-beloved home, you don’t just lose the physical space. You also lose all of what that space might represent, such as birthday celebrations, Christmas lunches, sleepovers with friends or many happy hours playing in the garden.</p> <p>The childhood home often is a symbol of family connection and an anchor in the storm of life. Thinking of the home and all it represents can elicit nostalgia. In fact, the word “nostalgia” <a href="https://www.bps.org.uk/psychologist/nostalgia-cowbells-meaning-life">derives from the Greek</a> words <em>nostos</em> (return) and <em>algos</em> (pain). The word is rooted in the pain we often feel being away from home.</p> <p>And just as siblings are unique – each with different memories of and connections to their childhood home – their responses to its sale can differ markedly. It is normal if your sister or brother grieves the home in a different way to you – or maybe doesn’t even seem to grieve its loss at all.</p> <h2>A complicated grief</h2> <p>When a childhood home is sold because of the death of parents, the feelings of loss about the home are closely linked. The home being sold can be a type of secondary loss that sits in the periphery to the primary loss of parents.</p> <p>Grieving the deaths might, at first, take precedence over the loss of the home.</p> <p>It might only be later that the loss of the home and all it represents becomes apparent. Because the home provides a connection to the deceased person, the loss of the home might add another layer of grief about your parents. Perhaps you find that whenever you recall memories of mum or dad, they seem always to be at the house.</p> <p>It’s also normal if you feel immense <a href="https://link.springer.com/article/10.1007/s10615-018-0682-5">guilt</a> about grieving the home. People might chastise themselves for worrying about “silly things” and not grieving “enough” about the person who died. <a href="https://www.agingcare.com/questions/how-do-i-deal-with-the-guilt-of-selling-moms-house-481550.htm">Guilt about selling the home</a> can also be common.</p> <p>Not everyone has positive memories of their childhood home. Difficult family dynamics, maltreatment and abuse can complicate the emotional connection to childhood spaces and the grief response to their loss.</p> <p>In such cases, the loss of the childhood home can elicit grief about the loss of the childhood that could have – and should have – been. The loss of a home that was the site of discord can be even more challenging than for people with more idyllic childhood experiences.</p> <h2>How can I cope with this loss?</h2> <p>Grief from the loss of a childhood home is <a href="https://link.springer.com/article/10.1007/s10615-018-0682-5">real and valid</a>. We should recognise this and be kind to ourselves and others experiencing it. We shouldn’t minimise the loss or make fun of it.</p> <p>Usually, the loss is anticipated, and this allows you to take photos, furniture or mementos from the home or garden before you leave or sell.</p> <p>Grief researchers call these “<a href="https://www.sciencedirect.com/science/article/pii/S0010440X20300031">transitional</a> <a href="https://www.tandfonline.com/doi/abs/10.1080/13576270412331329812">objects</a>”. They may help you maintain a connection to what is lost, while still grieving the place.</p> <p><a href="https://link.springer.com/article/10.1007/s10615-018-0682-5">Social support</a> while grieving is important. Some people share memories and photos of the home with their siblings, or derive comfort from driving by the home.</p> <p>Just be prepared for the possibility it will likely change as the new owners adapt it to their needs. You might feel affronted, but hopefully can eventually accept the property now belongs to someone else.</p> <p>Chat to your doctor if the loss is particularly difficult, and your grief doesn’t change and subside over time. They might be able to recommend a psychologist who specialises in grief.</p> <p><em>If this article has raised issues for you, or if you’re concerned about someone you know, call Lifeline on 13 11 14.</em><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/251058/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em>By <a href="https://theconversation.com/profiles/lauren-breen-1142446">Lauren Breen</a>, Professor of Psychology, <a href="https://theconversation.com/institutions/curtin-university-873">Curtin University</a></em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/why-do-i-grieve-my-childhood-home-so-much-now-weve-sold-it-and-what-can-i-do-about-it-251058">original article</a>.</em></p> <p><em>Image: </em><em>RDNE Stock project/Pexels</em></p> </div>

Home & Garden

More young people are caring for a loved one with dementia. It takes a unique toll

<div class="theconversation-article-body"> <p>Dementia is a growing health problem, affecting more than <a href="https://www.who.int/news-room/fact-sheets/detail/dementia">55 million people</a> around the world.</p> <p>In Australia, an estimated <a href="https://www.dementia.org.au/about-dementia/dementia-facts-and-figures">433,300 people</a> are living with dementia. This figure is projected to rise to 812,500 by 2054.</p> <p>Dementia <a href="https://www.dementia.org.au/about-dementia">refers to brain disorders</a> that are not a normal part of ageing. These disorders, including Alzheimer’s disease, cause a decline in cognitive function and changes in mood, memory, thinking and behaviour. Ultimately they affect a person’s ability to carry out everyday tasks.</p> <p>In Australia, around <a href="https://www.sydney.edu.au/news-opinion/news/2020/10/06/research-backs-home-based-program-for-people-living-with-dementi.html">75% of people with dementia</a> live at home.</p> <p>While dementia care at home has traditionally been associated with older spouses or middle-aged children, it seems an increasing number of young adults in their 20s and 30s, and <a href="https://www.ncb.org.uk/sites/default/files/uploads/files/young_people_caring_for_adults_with_dementia.pdf">even teenagers</a>, are stepping into this role to care for grandparents, parents or other loved ones.</p> <p>In Australia, 3 million people (11.9% of the population) are carers. This includes <a href="https://www.abs.gov.au/statistics/health/disability/disability-ageing-and-carers-australia-summary-findings/latest-release">391,300 under 25</a> – a sharp rise from 235,300 in 2018.</p> <p>How many young carers are specifically caring for a loved one with dementia is unclear, and something we need more data on. Young dementia carers remain largely invisible, with minimal recognition or support.</p> <h2>Unique challenges and the burden of responsibility</h2> <p>Unlike older carers, who may have more financial stability and free time, young carers often must balance caregiving with university, early-career pressures, and personal development, including maintaining social relationships, pursuing hobbies, and prioritising mental welling.</p> <p>In Australia, where <a href="https://aifs.gov.au/media/more-young-adults-living-parents">51% of men and 43% of women</a> aged 20–24 still live with their parents, many young carers will have limited experience in managing a household independently.</p> <p>They’re often thrust into <a href="https://www.ncb.org.uk/sites/default/files/uploads/files/young_people_caring_for_adults_with_dementia.pdf">complex responsibilities</a> such as cooking, housework, managing the family budget, coordinating medical appointments and administering medications.</p> <p>Beyond that, they may need to provide physical care such as lifting or helping their loved one move around, and personal care such as dressing, washing, and helping with toileting.</p> <p>All this can leave young carers <a href="https://www.tandfonline.com/doi/full/10.2147/PROM.S499063">feeling unprepared</a>, overwhelmed and isolated.</p> <p>While general support groups exist for dementia carers and young carers more broadly, few cater specifically to <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC9819145/">young adults caring for someone with dementia</a>.</p> <p>This lack of targeted support is likely to heighten <a href="https://www.tandfonline.com/doi/pdf/10.1080/13676261.2024.2390899?casa_token=6Q73sIFsfssAAAAA:1rQ7NyiiHkwTwIk4mkk6d2r5tiUxeXJDCKTfIohKmHzCue9xvuj5r4e8-fowJGQeIYKe6afuO9FT">feelings of isolation</a>, as the young person’s friends struggle to relate to the emotional and practical burdens <a href="https://link.springer.com/content/pdf/10.1186/s12877-020-01976-z.pdf">young carers face</a>.</p> <p>The demanding nature of caregiving, combined with the difficulty of sharing these experiences with peers, means young dementia carers can become <a href="https://journals.sagepub.com/doi/epub/10.1177/14713012211023653?src=getftr&utm_source=tfo&getft_integrator=tfo">disconnected socially</a>.</p> <h2>The psychological toll</h2> <p>These challenges take a profound <a href="https://www.mentalhealth.org.uk/explore-mental-health/statistics/carers-statistics">psychological toll</a> on young carers.</p> <p>Research shows young carers are <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC9263065/">35% more likely</a> to report mental health issues than their non-caregiving peers. These can include <a href="https://journals.sagepub.com/doi/pdf/10.1177/1471301220980243">depression</a>, anxiety and burnout.</p> <p>Again, we don’t have data on mental health outcomes among young dementia carers specifically. But <a href="https://www.aihw.gov.au/reports/dementia/dementia-in-aus/contents/carers-and-care-needs-of-people-with-dementia/impact-of-the-caring-role-on-carers">in Australia</a>, 75% of dementia carers reported being affected physically or emotionally by their caring role. Some 41% felt weary or lacked energy, and 31% felt worried or depressed.</p> <p>Also, there are negative stereotypes about ageing – that people turn forgetful, frail, and need constant care. For young carers whose loved ones have dementia, these stereotypes <a href="https://journals.sagepub.com/doi/pdf/10.1111/j.1467-8721.2009.01662.x?casa_token=w0MW7GGY80gAAAAA:szB0XyXKPG_XMqAVyAHLm0Tye8yH3TYXK9X5cFCSIRkorhsNHx4Wgurmy_oAuZKsTsskS6kBw9Vr">can be reinforced</a> by their experience. This could shape young carers’ perceptions of <a href="https://www.tandfonline.com/doi/full/10.1080/13607863.2025.2464705?utm">their own future health</a> and wellbeing and increase anxiety about ageing.</p> <p>Caregiving may also affect <a href="https://www.apa.org/pi/about/publications/caregivers/faq/health-effects">physical health</a>. Research suggests carers often sacrifice <a href="https://onlinelibrary.wiley.com/doi/pdf/10.1111/psyg.12354">healthy habits</a> such as exercise and a balanced diet. What’s more, <a href="https://onlinelibrary.wiley.com/doi/pdf/10.1111/psyg.12354">carers report symptoms</a> including poor sleep, fatigue, headaches and back pain due to the physical demands of caregiving.</p> <h2>Caring for a parent – a role reversal</h2> <p>This emotional burden is particularly acute for those caring for a parent. These young carers are likely to experience the progressive loss of parental support, while simultaneously assuming the <a href="https://journals.sagepub.com/doi/pdf/10.1177/1471301220988231">demanding role of caregiver</a>.</p> <p>A significant portion of young dementia carers support parents with <a href="https://www.aihw.gov.au/reports/dementia/dementia-in-aus/contents/dementia-in-priority-groups/population-health-impacts-of-younger-onset-dementi">young-onset dementia</a>, a form of dementia diagnosed before age 65. These <a href="https://journals.sagepub.com/doi/pdf/10.1177/1471301220988231">young carers</a> face the shock of a diagnosis that defies typical expectations of ageing.</p> <p>The burden may be compounded by fears of <a href="https://journals.sagepub.com/doi/10.1177/0038026119874280?icid=int.sj-abstract.citing-articles.9">genetic inheritance</a>. Young onset dementia often has a <a href="https://www.nia.nih.gov/health/alzheimers-causes-and-risk-factors/alzheimers-disease-genetics-fact-sheet">hereditary component</a>.</p> <p>This means young carers may have a higher risk of developing the condition themselves – a concern spousal carers don’t have. This fear can fuel health anxiety, alter life planning, and create a pervasive <a href="https://pubmed.ncbi.nlm.nih.gov/26560507/">sense of vulnerability</a>.</p> <h2>How we can better support young dementia carers</h2> <p>Despite their growing numbers, young dementia carers <a href="https://www.tandfonline.com/doi/full/10.2147/JMDH.S464195">remain largely overlooked</a> in research, policy and support services. This is partly due to the challenges in engaging this demographic in research, as these young people juggle busy lives <a href="https://onlinelibrary.wiley.com/doi/pdf/10.1002/gps.4502?casa_token=5-Ih4KcUejwAAAAA%3AOvuh8ghI_ednIzRZmHdUl-_C7EQ8IUw2Qp7E0-0Z9abjV0xT6I4WK17V2U8JMCcxMl9yvpawBeT-l7c">balancing caregiving</a> with education and work.</p> <p>Many young carers also <a href="https://pubmed.ncbi.nlm.nih.gov/36353077/">don’t self-identify as carers</a>, hindering their access to support and resources. This could be because of the stigmatising label, or a feeling they’re <a href="https://www.ncb.org.uk/sites/default/files/uploads/files/young_people_caring_for_adults_with_dementia.pdf">not doing enough</a> to qualify as a carer. It could even be because of cultural norms which can frame caregiving as a family obligation, rather than a distinct role.</p> <p>Nonetheless, young dementia carers require <a href="https://www.mdpi.com/1660-4601/20/1/127">targeted support</a> beyond generic caregiving resources.</p> <p>This support might include specialised <a href="https://www.tandfonline.com/doi/full/10.2147/JMDH.S464195">peer networks</a>, educational programs, and practical skills training. Tailored programs and resources should ideally be <a href="https://www.mdpi.com/1660-4601/20/1/127">co-designed with young dementia carers</a> to ensure they meet their unique needs and preferences.</p> <p>With dementia cases in Australia and elsewhere <a href="https://www.dementia.org.au/about-dementia/dementia-facts-and-figures">projected to increase</a>, the demand for informal carers – including young adults – will continue to grow.</p> <p>Without intervention, these young carers risk burnout, social isolation, and long-term health consequences. We must ensure flexible, age-appropriate support for this often invisible group. Investing in young dementia carers is not just a moral imperative – it’s a crucial step toward a sustainable, compassionate care system for the future.</p> <p><em><a href="https://www.dementia.org.au/living-dementia/family-friends-and-carers">Dementia Australia</a> offers a national helpline, information sessions, and a peer-to-peer connection platform for carers.</em></p> <p><em><a href="https://youngcarersnetwork.com.au/">The Young Carers Network</a>, run by <a href="https://www.carersaustralia.com.au/">Carers Australia</a>, offers mental health resources, financial guidance, and respite care information, plus bursaries young carers can apply for to reduce financial pressure.</em><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/249361/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em>By <a href="https://theconversation.com/profiles/katya-numbers-784650">Katya Numbers</a>, Postdoctoral Research Fellow & Lecturer, Centre for Healthy Brain Ageing, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a> and <a href="https://theconversation.com/profiles/serena-sabatini-2320527">Serena Sabatini</a>, Lecturer in Psychology, <a href="https://theconversation.com/institutions/university-of-surrey-1201">University of Surrey</a></em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/more-young-people-are-caring-for-a-loved-one-with-dementia-it-takes-a-unique-toll-249361">original article</a>.</em></p> <p><em>Image: Shutterstock</em></p> </div>

Caring

"Love you": John Farnham spotted in rare public appearance for milestone occasion

<p>Music legend John Farnham has marked a joyful occasion as he joined family and friends to celebrate his wife Jillian’s 70th birthday in Melbourne. The intimate gathering took place on Tuesday evening at the renowned Italian restaurant, Florentino, where love, laughter and music filled the air.</p> <p>Seated beside his beloved wife of 51 years, Farnham radiated happiness, enjoying the company of his closest loved ones. The evening was made even more special with heartfelt live performances and a touching photo montage that honoured Jillian’s life and the couple’s enduring love story.</p> <p>Adding a moment of lighthearted humour, accordion maestro Hans managed to elicit a grin from Farnham when he jokingly offered to play one of the singer’s iconic hits. Their son, Robert, captured the essence of the night with a heartfelt social media post, sharing a picture from the evening and the simple yet touching words: “Happy birthday 70th to mum, Love you.”</p> <p>This joyous occasion comes as Farnham, 75, continues to embrace life after receiving the “all clear” in his well-publicised battle with cancer. Having undergone a major surgery in August 2022 to remove a tumour from his mouth and reconstruct his jaw, the legendary performer has shown incredible resilience. His son James shared an update earlier this year, reassuring fans that his father was “doing really well, walking around, kicking goals... and, of course, annoying mum.”</p> <p>Jillian, whose unwavering support played a crucial role in Farnham’s health journey, previously recounted in her memoir, <em>The Voice Inside</em>, how she urged him to seek medical advice before his diagnosis. “He had a big white mass on the inside of his cheek, and you could physically see it,” she wrote. “For several months I was saying to him, ‘Let’s go see about that thing in your mouth,’ and he’d say, ‘No, it’s alright, it’s alright, it’s alright.’” Eventually, her persistence led him to seek medical attention, ultimately saving his life.</p> <p>Adding to the excitement in the Farnham household, the family is eagerly anticipating a new arrival. James and his partner, Tessa, are expecting a baby boy, a new chapter that fills them all with joy. James, thrilled at the prospect of fatherhood, said: “We’re all really excited, another little Farnham on the way. I can’t wait to take him up to the farm and get Dad to teach him everything he taught me.”</p> <p>For Farnham, whose music has been the soundtrack of Australian life for decades, family remains his greatest treasure. </p> <p><em>Image: Instagram</em></p>

Family & Pets

Man whose partner lost $1.6 BILLION at a rubbish tip now wants to buy the entire dump

<p>In what can only be described as the most expensive game of "Where’s Wally?" ever attempted, James Howells, 39, is continuing his decade-long battle to recover a hard drive that contains 8,000 bitcoins – now worth a staggering $1.6 billion AUD – from a landfill site in Newport on the southwest coast of Wales.</p> <p>The saga began in 2013 when Howells’ partner, in a move that will forever be known as the most expensive spring cleaning mishap of all time, accidentally tossed out the hard drive. Since then, Howells has been on a mission to reclaim his digital treasure from what is now essentially a very smelly version of Fort Knox.</p> <p>However, Newport City Council has repeatedly refused his requests to excavate the site, citing environmental concerns and, possibly, an extreme reluctance to deal with a man on a personal mission to unearth a high-tech pirate's chest. A recent legal bid to force the council’s hand was swiftly dismissed by the UK High Court, with the judge describing Howells’ plight as "akin to looking for a needle in a haystack" – though in this case, the haystack is 1.4 million tonnes of garbage, and the needle is worth more than most small countries’ GDP.</p> <p>But Howells refuses to be deterred. His latest plan? If he can’t dig through the dump, he’ll just buy it.</p> <p>Yes, the father-of-three is now looking to purchase the landfill site outright, a bold strategy that has left both financial analysts and waste management professionals scratching their heads. “I have discussed this option recently with investment partners, and it is very much on the table,” he told the BBC.</p> <p>This development adds a fascinating twist to the drama, as parts of the landfill are slated to be turned into a solar farm in the coming years. In what might be the most ironic plot twist in financial history, the very place where Howells’ fortune lies buried could soon be used to power the homes of Newport – while he continues to live in metaphorical darkness.</p> <p>“If they had just worked with me, Newport could have looked like Las Vegas or Dubai,” Howells lamented, apparently envisioning a city built on the back of Bitcoin-funded extravagance rather than well-placed street lamps and reliable waste collection.</p> <p>Despite his enthusiasm, Newport City Council remains unswayed. “Excavation is not possible under our environmental permit,” a council spokesman reiterated, likely while rolling his eyes for the hundredth time. “Mr Howells’s claim has no merit, and the council is vigorously resisting it.”</p> <p>Undeterred, Howells insists he has a team of AI experts ready to streamline the search, making the job “as easy as possible”. </p> <p>As things stand, it appears that for now, Newport’s garbage will remain just that – garbage. But if one thing is certain, it’s that Howells is not giving up anytime soon.</p> <p>Whether his future includes billions in Bitcoin riches or simply a very expensive pile of rubbish remains to be seen.</p> <p><em>Image: Supplied</em></p>

Money & Banking

Readers response: Are there any celebrity biographies or memoirs you’ve read and loved?

<p>We asked our reader if there are there any celebrity biographies or memoirs they have read and loved, and the response was overwhelming. Here's what they said. </p> <p><strong>Sarah Hayse-Gregson</strong> - I have read so many, I just loved them all. The one that gave me a fit of the giggles was David Niven’s Bring on the Empty Horses.</p> <p><strong>Marie Jones</strong> - Jimmy Barnes, what a life.</p> <p><strong>Lorraine Henshaw</strong> - Sidney Poitier. I loved him!</p> <p><strong>Michelle Carr </strong>- John Farnham, Jelena Dokic, Tina Turner.</p> <p><strong>Margaret Hosking</strong> - Poirot and Me by David Suchet, and Margot Fonteyn: A Life by Meredith Daneman. Both excellent!!</p> <p><strong>Janet Courtney</strong> - Sister Vivian Bullwinkle who survived being shot by the Japanese on Banka Island during WWII and being taken as a POW.</p> <p><strong>Lindy Joso Kolega</strong> - Ahn Do, The Happiest Refugee.</p> <p><strong>Val Goodwin</strong> - David Niven, The Moon's A Balloon.</p> <p><strong>Lorraine Masters</strong> - Clark Gable, Kamahl, JOK, Sarah Henderson, Debbie Reynolds.....just name a few. I love biographies.</p> <p><strong>Christine Conforth</strong> - Keith Richard’s was interesting.</p> <p><em>Image credits: Shutterstock </em></p>

Books

Readers response: What does ‘self-care’ look like for you now compared to earlier years?

<p>We asked our readers what self-care looks like for them during their retirement years. Here's what you said. </p> <p><strong>Anne Henderson</strong> - More time and focus on my strength and fitness, and all of those things that will help with independence in old age. More saying no to society’s expectations … (including whether my 70 year old face and my clothing are acceptable to others)…. my routine has become simpler for this reason, not more complicated. Self care in older age to me is liberation from the shackles of all of the above.</p> <p><strong>Marie Jones</strong> - Definitely focusing on strength and balance hence exercise class and walking. Happy with my grey hair but always moisturising and have toned down make-up. I wear what's comfortable for me.</p> <p><strong>Dawn Dominick</strong> - Endless moisturising of my entire body not just my face any more.</p> <p><strong>Margie Buckingham</strong> - Love having long baths to relax in. Going to the podiatrist every month. Moisturising twice daily. Not wearing makeup unless it’s a special occasion. Wearing comfortable clothes. Considering stopping the every 5 week hair colouring. </p> <div dir="auto" style="font-family: system-ui, -apple-system, BlinkMacSystemFont, '.SFNSText-Regular', sans-serif; caret-color: #080809; color: #080809; font-size: 15px;"><em>Image credits: Shutterstock </em></div>

Beauty & Style

Tourists explain why they love “overrated” capital cities

<p dir="ltr">A group of travellers have explained why they love some capital cities that are often dubbed as “overrated”. </p> <p dir="ltr">On a dedicated travel thread on Reddit, one person asked the question, “Which capital city gets a lot of hate that you loved visiting?” which welcomed an influx of responses. </p> <p dir="ltr">A few capital cities were mentioned several times, one of which being the Greece capital of Athens. </p> <p dir="ltr">One Reddit user said they “avoided” Athens for a long time “because all I heard was negativity about it”.</p> <p dir="ltr">However, when they “finally went”, they say they “loved it” and “can't wait to go back”. </p> <p dir="ltr">Another person said they actually “loved” the city's “gritty feel” adding, “Incredible history at every turn, delicious affordable food, fun bars, cool music venues, neighbourhoods full of character and beautiful viewpoints.”</p> <p dir="ltr">Another capital that was mentioned was the Norwegian capital of Oslo, with one person saying the Scandinavian city was perfect for a short getaway. </p> <p dir="ltr">They wrote, “I’m not advising anyone to go for a long time but for a weekend trip, it’s lovely. The seaside is great with lots of beautiful modern architecture, the old town is picturesque, lots of trendy new places to eat and drink, some old castles to walk to and in general a really nice vibe and very walkable.”</p> <p dir="ltr">Washington D.C. was also mentioned with many people defending the city, with one person claiming “it’s generally other Americans who hate it.”</p> <p dir="ltr">One person wrote of the city, “We have great museums, food, way more nature than you’d expect for a city, and incredible music and dance scenes. It’s not just insufferable bureaucracy and politics.”</p> <p dir="ltr">The Belgian capital of Brussels was also mentioned, with the city often copping a lot of flack amongst travellers. </p> <p dir="ltr">However, many were quick to defend the city, as one person wrote,”I loved Brussels, it’s beautiful in places, has amazing museums, great beer, the EU Parliament is really interesting and the Atomium is awesome.”</p> <p dir="ltr"><em>Image credits: Shutterstock </em></p> <p> </p>

International Travel

Want your loved ones to inherit your super? Here’s why you can’t afford to skip this one step

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/tobias-barkley-1271340">Tobias Barkley</a>, <a href="https://theconversation.com/institutions/la-trobe-university-842">La Trobe University</a></em></p> <p>What happens to our super when we die? Most Australians have superannuation accounts but about <a href="https://www.austlii.edu.au/cgi-bin/viewdoc/au/journals/SydLawRw/2024/10.html#Heading24">one in five</a> of us die before we can retire and actually enjoy that money.</p> <p>If we do die early our money is paid out as super “death benefits”. They can be substantial. Even people who die young can have $200,000–$300,000 of death benefits through <a href="https://moneysmart.gov.au/how-life-insurance-works/insurance-through-super">super life insurance</a>.</p> <p>Death benefits have recently been in the news for all the wrong reasons. Last week <a href="https://ministers.treasury.gov.au/ministers/jim-chalmers-2022/media-releases/mandatory-service-standards-superannuation-industry">the Treasurer Jim Chalmers</a> expressed concern about delays paying out death benefits.</p> <p><a href="https://lawcouncil.au/resources/submissions/proposed-reform-to-superannuation-death-benefits">The Law Council</a> is concerned people do not have enough control over how death benefits are distributed. <a href="https://www.watoday.com.au/national/western-australia/championing-for-molly-perth-mum-s-milestone-in-her-quest-for-justice-20241206-p5kwiu.html">Others are devastated</a> about death benefits being paid to alleged violent partners.</p> <h2>How can you decide who gets your unspent super?</h2> <p>Our first thought might be writing it in our will. However, super is not covered by our will as it does not become part of our <a href="https://www.austlii.edu.au/cgi-bin/viewdoc/au/cases/cth/FCA/2001/1535.html">deceased estate</a>.</p> <p>Instead, death benefits are distributed by the trustee of your superannuation fund. Under the law, there are two main mechanisms controlling distribution: <a href="https://www.australiansuper.com/superannuation/access-your-super-early/nominate-a-beneficiary#:%7E:text=A%20binding%20nomination%20instructs%20AustralianSuper,the%20date%20we%20accept%20it.&text=Lapsing%20binding%20nomination%20%E2%80%93%20This%20nomination,date%20you%20sign%20the%20form.">binding nominations</a> and the trustee’s discretion.</p> <p>Every super member has the option to create a binding nomination. It’s like a will for your super that the super trustee is obliged to follow. It also needs two witnesses to execute it. However, there are actually more ways for a binding nomination to fail than for a will to fail.</p> <p>The law only allows you to nominate certain people: your “<a href="https://www.lawsociety.com.au/resources/resources/my-practice-area/elder-law/superannuation-FAQs#collapse_165">dependants</a>” or your estate. If you nominate anyone else your entire nomination stops being binding. Plus, unlike wills, there is no way to fix execution errors. Also, many binding nominations expire after three years.</p> <p>If you don’t have a binding nomination, then the trustee can choose who your death benefit goes to. There are two main mechanisms controlling how the trustee chooses who gets your death benefit.</p> <p>First, <a href="https://treasury.gov.au/sites/default/files/2019-03/c2019-t371937-discussion-paper.pdf">legislation</a> requires the trustee to give the death benefit to your dependants or deceased estate before anyone else. This means that your parents, for example, will only receive something if you have no children, partner or other dependants.</p> <p>Second, decisions made by trustees can be disputed by complaining to the <a href="https://www.afca.org.au/">Australian Financial Complaints Authority (AFCA)</a>. The authority has a rigid approach to who should get death benefits and trustees usually follow this course of action.</p> <p><a href="https://openjournals.library.sydney.edu.au/SLR/article/view/20199">Research I’ve done with Xia Li</a> of La Trobe University reveals what AFCA does in practice.</p> <p>Most crucially, people’s wishes expressed in non-binding nominations were essentially ignored. Our research found there was no statistically significant association between being nominated in a non-binding nomination and receiving any of the death benefit. This was true even for recent nominations.</p> <p>Other factors the complaints authority ignores are family violence and financial need. In one case, five daughters provided evidence, including a police report, that their deceased mother was a victim of violence perpetrated by her new partner. <a href="https://service02.afca.org.au/CaseFiles/FOSSIC/701195.pdf">In keeping with the Federal Court, AFCA gave the alleged perpetrator</a> everything because he alone would have benefited from the deceased’s finances if she had lived.</p> <p>In another case, <a href="https://service02.afca.org.au/CaseFiles/FOSSIC/874050.pdf">the deceased’s adult son received nothing</a> despite living with disability and “doing it tough”. He had refused financial help so was not financially dependent. AFCA gave everything to the partner.</p> <p>AFCA ignores these factors because of one key issue. It places “<a href="https://service02.afca.org.au/CaseFiles/FOSSIC/832049.pdf">great weight</a>” on whether beneficiaries are financially dependent on the deceased.</p> <p>This means when choosing between a financial dependent – such as a new partner who shares home expenses with the deceased, and non-financial dependants, such as most adult children – AFCA will almost always give everything to the spouse.</p> <p>Relying on financial dependence can be arbitrary. Unlike in family law, a de facto partner <a href="http://www.austlii.edu.au/cgi-bin/viewdoc/au/legis/cth/consol_act/sia1993473/s10.html#spouse">does not need to be living with you for two years</a> before becoming entitled. For example, <a href="https://service02.afca.org.au/CaseFiles/FOSSIC/753556.pdf">in one case AFCA gave a partner of possibly only seven months</a> (and 41 years younger than the deceased) everything and the deceased’s three children aged 27–33 nothing.</p> <p>Also, AFCA treats any regular payment that supports daily living as financial dependence. For example, <a href="https://service02.afca.org.au/CaseFiles/FOSSIC/714258.pdf">a son paying A$100 a week board to parents means both parents are financially dependent on the son</a>. In another case, payments from the deceased to his brother of $5,000, $7,000 and $5,000 made over a year <a href="https://service02.afca.org.au/CaseFiles/FOSSIC/842323.pdf">was not financial dependence because they were irregular</a>.</p> <p>The whole process is slow. The average time it takes to resolve a death benefit case that goes to AFCA is nearly <a href="https://www.austlii.edu.au/cgi-bin/viewdoc/au/journals/SydLawRw/2024/10.html#Heading248">three years and the longest case I’ve seen took over six</a>.</p> <p>The only thing that you can do that will make a difference is execute a binding nomination; non-binding nominations are worthless.</p> <p>But take care to execute your binding nomination correctly (get legal advice) and leave reminders for yourself to review it every three years.<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/248019/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><a href="https://theconversation.com/profiles/tobias-barkley-1271340"><em>Tobias Barkley</em></a><em>, Lecturer, <a href="https://theconversation.com/institutions/la-trobe-university-842">La Trobe University</a></em></p> <p><em>Image credits: Shutterstock</em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/want-your-loved-ones-to-inherit-your-super-heres-why-you-cant-afford-to-skip-this-one-step-248019">original article</a>.</em></p> </div>

Money & Banking

Share the love this Valentine’s Day with L’Occitane

<p dir="ltr">With Valentine’s Day just around the corner, it's time to think about treating the one you love most to something special. </p> <p dir="ltr">Luckily, <a href="https://au.loccitane.com/FleursdeCerisier.html">L’Occitane’s</a> new limited edition range has something for everyone. </p> <p dir="ltr">Featuring a limited edition fragrance inspired by the blooming Cherry Blossoms and Vineflowers of Provence, the feminine, floral, and fruity scent transports you to a springtime stroll.</p> <p dir="ltr">With six new products in the new Fleurs De Cerisier range, the fragrance combines fresh top notes of mandarin and white muscat, with a heart of cherry blossom and green grapevine flowers, leaving a soft, sensual dry-down of rosewood and white musks.</p> <p dir="ltr">The range features an Eau de Toilette perfume, a hair and body Mist, a body lotion, a hand cream, and of course, L’Occitane’s iconic shower oil. </p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-permalink="https://www.instagram.com/reel/DFKkRlZyYY5/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/reel/DFKkRlZyYY5/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by L’Occitane en Provence | ANZ (@loccitaneanz)</a></p> </div> </blockquote> <p dir="ltr">For those who can’t decide, the Visite En Provence Fragrance Collection comes with a fresh mist, a fragrance and a hand cream to keep you covered. </p> <p dir="ltr">The stunning collection ranges from $29 to $125, boasting something for shoppers on every budget. </p> <p dir="ltr">With its delicate yet captivating scent, this collection will make any Valentine’s Day moment smell and feel extra special.</p> <p dir="ltr"><em>Image credits: Shutterstock / Instagram </em></p> <p> </p>

Beauty & Style

"Overflowing with love": Fergie celebrates newest grandchild

<p>Sarah Ferguson has welcomed her fourth grandchild with the arrival of Princess Beatrice's second daughter. </p> <p>The Duchess of York shared a sweet photo of the new baby to Instagram, introducing the tiny tot and sharing her name. </p> <p>"Overflowing with love and joy to be able to welcome Athena Elizabeth Rose into the world," Fergie wrote. </p> <p>"She is already so adored and I'm incredibly blessed to be a Granny once again. So proud of Edo, Beatrice and the rest of my little 5-a-side team!"</p> <p>Proud new dad Edoardo Mapelli Mozzi, who took to the sweet snap of the camera-shy bub covering her face in her oversized onesie, commented on the post.</p> <p>"The best Gigi," he wrote, referring to what Fergie's grandkids call her.</p> <p>Edoardo also shared a post of the new baby, saying their family is "already completely besotted with her."</p> <p>He added, "A massive thank you from my wife and I goes out to all the wonderful staff at the Chelsea and Westminster Hospital for their exceptional care and support during this incredibly special time."</p> <p>Beatrice and Edoardo welcomed their first child, Sienna Elizabeth Mapelli Mozzi, on September 18th 2021, who is now three. Beatrice is also a loving stepmother to Mapelli Mozzi’s son, Christopher Wolf, affectionately known as Wolfie, from a previous relationship.</p> <p>Fergie is also a proud parent to her daughter Princess Eugenie's two children, August, three, and Ernest, one.</p> <p><em>Image credits: Instagram</em></p>

Family & Pets

Does ‘made with love’ sell? Research reveals who values handmade products the most

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/tuba-degirmenci-2291455">Tuba Degirmenci</a>, <a href="https://theconversation.com/institutions/queensland-university-of-technology-847">Queensland University of Technology</a>; <a href="https://theconversation.com/profiles/frank-mathmann-703900">Frank Mathmann</a>, <a href="https://theconversation.com/institutions/queensland-university-of-technology-847">Queensland University of Technology</a>, and <a href="https://theconversation.com/profiles/gary-mortimer-1322">Gary Mortimer</a>, <a href="https://theconversation.com/institutions/queensland-university-of-technology-847">Queensland University of Technology</a></em></p> <p>We’ve all seen the marketing message “handmade with love”. It’s designed to tug at our heartstrings, suggesting extra care and affection went into crafting a product.</p> <p>As Valentine’s Day approaches, many businesses will ramp up such messaging in their advertising.</p> <p>Handmade gifts are often cast as more thoughtful, special options than their mass-produced, machine-made alternatives.</p> <p>But does “love” actually sell? Our new <a href="https://onlinelibrary.wiley.com/doi/10.1002/cb.2455">research</a>, published in the Journal of Consumer Behaviour, reveals not everyone feels the same way about these labels.</p> <p>Why do some people feel handmade products are made with love, while others don’t really care? We found it’s all about how they approach purchase decisions.</p> <h2>A deeper, human connection</h2> <p>Why do businesses market products as handmade? Previous research has shown handmade labels can lead to higher positive emotions. This tendency is known as the “<a href="https://journals.sagepub.com/doi/abs/10.1509/jm.14.0018">handmade effect</a>”.</p> <p>In a world of seemingly perfect and polished products, <a href="https://www.emerald.com/insight/content/doi/10.1108/09590551211267593/full/html">research</a> shows consumers increasingly prefer human (as opposed to machine) interactions, including in their shopping experiences.</p> <p>It’s also been shown that giving handmade gifts can <a href="https://link.springer.com/article/10.1007/s11002-024-09722-w">promote social relationships</a>.</p> <p>We often associated handmade products with smaller “cottage” retailers. But many major global retailers – including <a href="https://www.amazon.com/b?ie=UTF8&node=120955898011">Amazon</a> and <a href="https://www.ikea.com/au/en/new/handcrafted-textiles-for-a-better-future-pub6fc26570/">IKEA</a> – have strategically introduced handmade products, aiming to connect on a deeper emotional level with their consumers.</p> <p>Our research found not all consumers respond in the same way to these marketing messages.</p> <figure><iframe src="https://www.youtube.com/embed/kYn-xUjv_qs?wmode=transparent&start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe><figcaption><span class="caption">IKEA has previously run a dedicated handmade marketing campaign.</span></figcaption></figure> <h2>Who cares about love?</h2> <p>Across two studies, we found that the response to marketing products as “handmade” depends on a consumer’s locomotion orientation – put simply, how they approach decisions and other actions.</p> <p><a href="https://www.sciencedirect.com/science/article/abs/pii/S0022435917300155">Low-locomotion individuals</a> take things more slowly. They take their time and can thoroughly consider their purchase decisions. Think of them as the “mindful”.</p> <p>In contrast, high-locomotion individuals are “doers”. They like to get things done quickly without getting stuck in the details. They are the “grab-and-go” shopper.</p> <p>When the way they perform an action – such as making a purchase – matches their fast-paced mindset, something remarkable happens: they experience what’s called “<a href="https://myscp.onlinelibrary.wiley.com/doi/full/10.1002/jcpy.1317">regulatory fit</a>”.</p> <p>This fit boosts their emotions and engagement.</p> <h2>Our first study</h2> <p>In our first study, participants imagined buying a gift for a loved one. They were split into three groups and presented with a photo of the same mug.</p> <p>One group was informed that the mug was “handmade”, one group informed it was “machine-made”, and the last group was not offered any “production cue”.</p> <p>We also asked and measured how much “love” they felt the mug contained – and how much they would pay for it.</p> <p>The handmade mug evoked more love and led to a higher willingness to pay – but only for those with a “low-locomotion” orientation.</p> <p>High-locomotion individuals didn’t react in the same way. For these “doers”, the backstory of how the mug had been made wasn’t as important as just getting a product they needed.</p> <p>For the “doers”, the benefits of marketing the mug as handmade actually backfired.</p> <p>They felt more love for the mug if it had no label at all.</p> <h2>Our second study</h2> <p>By communicating with consumers on social media, marketers can trigger a mindset called “regulatory locomotion mode”. Put simply, this is the mode where we take action and make progress toward goals.</p> <p>Marketers can do this by using <a href="https://psycnet.apa.org/doiLanding?doi=10.1037%2F0022-3514.79.5.793">locomotion-activating</a> words such as “move” and “go” to encourage active decision-making.</p> <p>To borrow one famous example from Nike: “<a href="https://psycnet.apa.org/doiLanding?doi=10.1037%2F0022-3514.79.5.793">Just Do It</a>”.</p> <p>Our second study examined the marketer-generated content of over 9,000 Facebook posts from the verified <a href="https://www.facebook.com/Etsy">Etsy</a> Facebook page.</p> <p>We analysed how locomotion-activating words in social media posts for handmade products influence consumer engagement.</p> <p>In other words, we wanted to understand how these words affected social media engagement with the potential consumers reading them, particularly in terms of social media shares.</p> <p>We found the higher an individual’s locomotion orientation was, the fewer social media “shares” for handmade products occurred.</p> <h2>So, does handmade really matter?</h2> <p>As we get closer to Valentine’s Day, understanding these differences can help retailers tailor their marketing strategies.</p> <p>For “mindful” customers, retailers should highlight the story of the craftsmanship, care, and love behind a handmade product for Valentine’s Day. Use emotional language such as “made with love”.</p> <p>But be aware this mightn’t work on everyone. For a customer base of “doers”, keep it simple, leaving out unnecessary details about production methods.</p> <p>There are a range of <a href="https://marketingplatform.google.com/about/">website analytical tools</a> that can help retailers identify how their customers approach their purchase decision-making.</p> <p>Do they browse quickly, hopping from one product to the next, opting for “<a href="https://www.business.com/articles/one-click-purchasing-how-click-to-buy-is-revolutionizing-ecommerce/">one-click</a>” purchasing? Or do they take their time, browsing slowly and considering their product selection?</p> <p>Personalised marketing messages can then be crafted to emphasise the aspects – love or efficiency – that matter most to each group. The key lies in knowing who you’re speaking to.<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/247351/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><a href="https://theconversation.com/profiles/tuba-degirmenci-2291455">T<em>uba Degirmenci</em></a><em>, PhD Candidate School of Advertising, Marketing and Public Relations, <a href="https://theconversation.com/institutions/queensland-university-of-technology-847">Queensland University of Technology</a>; <a href="https://theconversation.com/profiles/frank-mathmann-703900">Frank Mathmann</a>, Lecturer (Assistant Professor), <a href="https://theconversation.com/institutions/queensland-university-of-technology-847">Queensland University of Technology</a>, and <a href="https://theconversation.com/profiles/gary-mortimer-1322">Gary Mortimer</a>, Professor of Marketing and Consumer Behaviour, <a href="https://theconversation.com/institutions/queensland-university-of-technology-847">Queensland University of Technology</a></em></p> <p><em>Image credits: Shutterstock</em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/does-made-with-love-sell-research-reveals-who-values-handmade-products-the-most-247351">original article</a>.</em></p> </div>

Money & Banking

Research suggests those who use buy-now-pay-later services end up spending more

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/ashish-kumar-1056067">Ashish Kumar</a>, <a href="https://theconversation.com/institutions/rmit-university-1063">RMIT University</a></em></p> <p>Once, borrowing money to make a purchase was a relatively tedious process, not a spur-of-the-moment thing.</p> <p>True, some stores offered lay-by plans that would let you pay for goods in instalments. But if they didn’t, and you didn’t already have a credit card, you’d have to go to a bank and apply for one.</p> <p>That would mean providing a range of supporting documents, negotiating an appropriate credit limit, and waiting for approval. It’s unlikely you’d apply for credit just for a single, small purchase.</p> <p>In recent years, though, the financial technology or “fintech” revolution in the customer credit market has changed all that, with the meteoric rise of buy-now-pay-later (BNPL) services.</p> <p>BNPL credit allows consumers to split their purchases into smaller, interest-free instalments. It is often directly integrated into online checkouts with fast approval, making it easy to purchase something instantly and spread the cost over coming months.</p> <p>There are some obvious risks. Many BNPL providers charge less visible fees, such as late payment fees and account maintenance fees. In many countries, the BNPL sector is also less regulated than traditional credit.</p> <p>But does it also change our spending habits? Our recent <a href="https://doi.org/10.1016/j.jretai.2024.09.004">research</a> uncovered a concerning insight: consumers who use BNPL services end up spending more money online than those who don’t. This effect is particularly strong among younger shoppers and those with lower incomes.</p> <h2>Our research</h2> <p>We <a href="https://doi.org/10.1016/j.jretai.2024.09.004">analysed</a> data from an online retailer in the Nordic region that offered customers three payment options for online purchases: card, pay on delivery and BNPL.</p> <p>We found that consumers who used BNPL spent an average of 6.42% more than those who didn’t.</p> <p>This increase was particularly noticeable for low-ticket items, suggesting that BNPL may encourage customers to buy more when shopping for smaller, everyday things.</p> <p>Why might this be the case? For one, BPNL spending is constrained by the size of the loans on offer. In the US, the average BNPL loan amount is <a href="https://files.consumerfinance.gov/f/documents/cfpb_consumer-use-of-buy-now-pay-later_2023-03.pdf">US$135</a> (A$217).</p> <p>It may also be related to what’s known in economics as the “<a href="https://www.theguardian.com/business/2008/dec/22/recession-cosmetics-lipstick">lipstick effect</a>”, where customers under financial strain tend to reduce spending on big-ticket items in favour of lower-priced luxuries.</p> <p>Selling such low-ticket items doesn’t always give online retailers the biggest profit margins. But it can play a crucial role in acquiring and retaining customers, and creating opportunities to upsell.</p> <p>Our research also showed that younger, lower-income customers were more likely to spend more when using BNPL services, likely because it provides them with additional “liquidity” – access to cash.</p> <h2>Why might they be spending more?</h2> <p>It’s easy to see why so many consumers like BNPL. Some even think of it as more of a way of payment than a form of credit.</p> <p>The core feature of such services - offering interest-free instalment payments for online purchases - has a significant psychological impact on customers.</p> <p>It leverages the principle that the perceived benefit of spending in the present outweighs the displeasure associated with future payments.</p> <p>This behaviour aligns with theories of “hyperbolic discounting” – our preference for smaller immediate rewards over larger later ones – and the related “<a href="https://www.behavioraleconomics.com/resources/mini-encyclopedia-of-be/present-bias/">present bias</a>” phenomenon.</p> <p>Our results also suggest customers with high category experience – that is, more familiar with the larger product categories carried by a retailer – and those more sensitive to deals and promotions are likely to spend more when online retailers provide BNPL as a payment option.</p> <h2>A growing influence on spending</h2> <p>The economic impact of BNPL is substantial in the countries that have pioneered its adoption.</p> <p>In Australia, birthplace of Afterpay, Zip, Openpay, and Latitude, it’s <a href="https://www.oxfordeconomics.com/wp-content/uploads/2022/10/AFIA_BNPL_Research_Report-1.pdf">estimated</a> that (allowing for flow-on effects) BNPL services contributed A$14.3 billion to gross domestic product (GDP) in the 2021 financial year.</p> <p>Industry research firm Juniper Research <a href="https://www.juniperresearch.com/press/pressreleasesbuy-now-pay-later-users-to-exceed-670-million-globally/">projects</a> the number of BNPL users will exceed 670 million globally by 2028, an increase of more than 100% on current levels.</p> <p>Substantial projected growth in the sector is attributed to multiple factors. These include increasing e-commerce usage, economic pressures, the flexibility of payment options and widespread adoption by merchants.</p> <h2>Buyer, beware</h2> <p>BNPL services can be a convenient way to pay for online purchases. But it’s important to use them responsibly.</p> <p>That means understanding the potential risks and benefits to make your own informed decisions. Be mindful of your spending. Don’t let the allure of easy payments let you get carried away.</p> <p>Customers should explore beyond the marketing tactics of interest-free split payments and pay close attention to terms and conditions, including any fees and penalties. They should treat BNPL like any other form of credit.</p> <p>Whether you’re a shopper considering using BNPL or a business thinking about offering it, our research highlights that it may have the power to significantly influence spending patterns – for better or worse.<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/246686/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><a href="https://theconversation.com/profiles/ashish-kumar-1056067"><em>Ashish Kumar</em></a><em>, Senior Lecturer, <a href="https://theconversation.com/institutions/rmit-university-1063">RMIT University</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/research-suggests-those-who-use-buy-now-pay-later-services-end-up-spending-more-246686">original article</a>.</em></p> </div>

Money & Banking

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

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

Domestic Travel

Readers response: What’s the best book you’ve read recently, and what did you love about it?

<p>With hundreds of new books on the market, it's hard to know what are the best to recommend.</p> <p>We asked our readers what the best book they've read recently is and what did they love about it, and the response was overwhelming. Here's what they said. </p> <p><strong>Helen Ulgekutt</strong> - The Venice Hotel by Tess Woods, loved it start to finish.</p> <p><strong>Zoy Crizzle</strong> - The Little Paris Bookshop by Nina George. Great book, so easy to read and an interesting story line. I loved it.</p> <p><strong>Keralie Stack</strong> - I have just finished Fallen Woman by Fiona McIntosh. A good read.</p> <p><strong>Karen Peardon</strong> - The Borrowed Life of Frederick Fife by Anna Johnston. A great story.</p> <p><strong>Nola Schmidt</strong> - The Perfect Passion Company by Alexander McCall Smith. It was clever, witty, and gentle. </p> <p><strong>June Lennie</strong> - People of the Book by Geraldine Brooks. Interesting story set in different historical periods. Brilliantly written and researched.</p> <p><strong>Christine Hayes</strong> - Where the Crawdads Sing, just beautiful.</p> <p><strong>Sandra Moores</strong> - All That's Left Unsaid by Tracey Lien. A great debut based in Cabramatta, very compelling read.</p> <p><strong>Greg Cudmore </strong>- 'To Alpha From Omega'. Although very much Australian, its themes are universal.</p> <p><strong>Denise Zephyr</strong> - The Days I Loved You Most. Such a beautiful story and a beautiful ending.</p> <p><strong>Marie Chong</strong> - Minding Frankie by Maeve Binchy. I love all her books, she tells a good story.</p> <p><strong>Yvonne Bercov</strong> - The Nightingale by Kristin Hannah, couldn’t put it down.</p> <p><em>Image credits: Shutterstock </em></p> <p> </p>

Books

Humans evolved to share beds – how your sleeping companions may affect you now

<div class="theconversation-article-body"> <p><em><a href="https://theconversation.com/profiles/goffredina-spano-2240566">Goffredina Spanò</a>, <a href="https://theconversation.com/institutions/kingston-university-949">Kingston University</a> and <a href="https://theconversation.com/profiles/gina-mason-2240569">Gina Mason</a>, <a href="https://theconversation.com/institutions/brown-university-1276">Brown University</a></em></p> <p><a href="https://www.cell.com/trends/ecology-evolution/fulltext/S0169-5347(24)00176-9">Recent research</a> on animal sleep behaviour has revealed that sleep is influenced by the animals around them. Olive baboons, for instance, sleep less as group sizes increase, while mice can synchronise their rapid eye movement (REM) cycles.</p> <p>In western society, many people expect to sleep alone, if not with a romantic partner. But as with other group-living animals, human co-sleeping is common, despite some <a href="https://www.sciencedirect.com/science/article/abs/pii/S1389945710000377">cultural</a> and <a href="https://www.sciencedirect.com/science/article/abs/pii/S2352721820303053?via%3Dihub">age-related variation</a>. And in many cultures, bedsharing with a relative is considered typical.</p> <p>Apart from <a href="https://www.sciencedirect.com/science/article/abs/pii/S1389945710000377">western countries</a>, caregiver-infant co-sleeping is common, with rates as high as <a href="https://www.sciencedirect.com/science/article/abs/pii/S1087079216000265">60-100%</a> in parts of South America, Asia and Africa.</p> <p>Despite its prevalence, infant co-sleeping is controversial. Some western perspectives, that value self-reliance, argue that sleeping alone promotes self-soothing when the baby wakes in the night. But <a href="https://www.tandfonline.com/doi/abs/10.1080/00221325.2021.1905599">evolutionary scientists argue</a> that co-sleeping has been important to help keep infants warm and safe throughout human existence.</p> <p><a href="https://www.sleephealthjournal.org/article/S2352-7218(22)00077-8/abstract">Many cultures</a> do not expect babies to self-soothe when they wake in the night and see night wakings as a normal part of breastfeeding <a href="https://www.sciencedirect.com/science/article/pii/S1389945713002220?via%3Dihub">and development</a>.</p> <p>Concerns about Sudden Infant Death Syndrome (Sids) have often led paediatricians to discourage bed-sharing. However, when studies control for <a href="https://journals.plos.org/plosone/article?id=10.1371/journal.pone.0107799">other Sids risk factors</a> including unsafe sleeping surfaces, Sids risk does not seem to differ statistically between co-sleeping and solitary sleeping infants.</p> <p>This may be one reason why agencies such as the <a href="https://publications.aap.org/pediatrics/article/150/1/e2022057990/188304/Sleep-Related-Infant-Deaths-Updated-2022?autologincheck=redirected">American Academy of Pediatrics</a>, the <a href="https://www.nice.org.uk/guidance/qs37/chapter/Quality-statement-5-Safer-practices-for-bed-sharing">National Institute for Health and Care Excellence</a> and the <a href="https://www.nhs.uk/conditions/baby/caring-for-a-newborn/reduce-the-risk-of-sudden-infant-death-syndrome/">NHS</a> either <a href="https://publications.aap.org/pediatrics/article/150/1/e2022057990/188304/Sleep-Related-Infant-Deaths-Updated-2022">recommend that</a> infants “sleep in the parents’ room, close to the parents’ bed, but on a separate surface,” or, if bedsharing, to make sure that the infant <a href="https://www.nice.org.uk/guidance/qs37/chapter/Quality-statement-5-Safer-practices-for-bed-sharing">“sleeps on a firm, flat mattress”</a> without pillows and duvets, rather than discouraging co-sleeping altogether.</p> <p>Researchers don’t yet know whether co-sleeping causes differences in sleep or, whether co-sleeping happens because of these differences. However, experiments in the 1990s suggested that co-sleeping can <a href="https://onlinelibrary.wiley.com/doi/10.1002/ajpa.20736">encourage more sustained and frequent bouts of breastfeeding</a>. Using sensors to measure brain activity, this research also suggested that infants’ and caregivers’ sleep may be lighter during co-sleeping. But researchers speculated that this lighter sleep may actually <a href="https://www.tandfonline.com/doi/full/10.1080/00221325.2021.1905599">help protect against Sids</a> by providing infants more opportunities to rouse from sleep and develop better control over their respiratory system.</p> <p>Other advocates believe that co-sleeping <a href="https://www.sciencedirect.com/science/article/abs/pii/S0163638319301237">benefits infants’ emotional and mental health</a> by promoting parent-child bonding and aiding infants’ <a href="https://www.tandfonline.com/doi/full/10.3109/10253890.2012.742057">stress hormone regulation</a>. However, current data is inconclusive, with most studies showing <a href="https://www.sciencedirect.com/science/article/abs/pii/S0163638319301249?via%3Dihub">mixed findings</a> or <a href="https://www.tandfonline.com/doi/full/10.1080/14616734.2024.2380427">no differences</a> between co-sleepers and solitary sleepers with respect to short and long-term mental health.</p> <h2>Co-sleeping in childhood</h2> <p>Childhood co-sleeping past infancy is also fairly common according to <a href="https://www.sciencedirect.com/science/article/abs/pii/S1389945713011076?via%3Dihub">worldwide surveys</a>. A <a href="https://publications.aap.org/pediatrics/article-abstract/126/5/e1119/65347/Relationship-Between-Bed-Sharing-and-Breastfeeding">2010 survey</a> of over 7,000 UK families found 6% of children were constant bedsharers up to at least four years old.</p> <p>Some families adopt co-sleeping <a href="https://capmh.biomedcentral.com/articles/10.1186/s13034-023-00607-w">in response to</a> their child having trouble sleeping. But child-parent bedsharing in many countries, including some western countries <a href="https://onlinelibrary.wiley.com/doi/10.1111/j.1471-6712.2005.00358.x">like Sweden</a> where children often co-sleep with parents until school age, is viewed culturally as part of a nurturing environment.</p> <p>It is also common for siblings to share a room or even a bed. A <a href="https://www.tandfonline.com/doi/full/10.1080/00221325.2021.1916732">2021 US study</a> found that over 36% of young children aged three to five years bedshared in some form overnight, whether with caregivers, siblings, pets or some combination. Co-sleeping decreases but is still present among older children, with up to <a href="https://onlinelibrary.wiley.com/doi/10.1111/fare.12955">13.8% of co-sleeping parents</a> in Australia, the UK and other countries reporting that their child was between five and 12 years old when they engaged in co-sleeping.</p> <p>Two recent US studies using wrist-worn actigraphs (motion sensors) to track sleep indicated that kids who bedshare may have <a href="https://jcsm.aasm.org/doi/10.5664/jcsm.11352">shorter sleep durations</a> than children who sleep alone. But this shorter sleep duration <a href="https://www.tandfonline.com/doi/full/10.1080/00221325.2021.1916732">is not explained by</a> greater disruption during sleep. Instead, bedsharing children may lose sleep by <a href="https://www.tandfonline.com/doi/full/10.1080/00221325.2021.1916732">going to bed later than</a> solitary sleepers.</p> <p>The benefits and downsides of co-sleeping may also differ in children with conditions such as <a href="https://www.sciencedirect.com/science/article/abs/pii/S1389945717303842">autism spectrum disorder</a>, <a href="https://link.springer.com/article/10.1007/s10802-017-0387-1">mental health disorders</a> and <a href="https://onlinelibrary.wiley.com/doi/10.1111/dmcn.13300">chronic illnesses</a>. These children may experience heightened anxiety, sensory sensitivities and physical discomfort that make falling and staying asleep difficult. For them, co-sleeping can provide <a href="https://link.springer.com/article/10.1007/s11325-018-1710-y">reassurance</a>.</p> <h2>Adults sharing beds</h2> <p>According to <a href="https://www.sleepfoundation.org/wp-content/uploads/2018/10/NSF_Bedroom_Poll_Report_1.pdf">a 2018 survey</a> from the US National Sleep Foundation, 80-89% of adults who live with their significant other share a bed with them. Adult bedsharing has shifted over time from pre-industrial <a href="https://academic.oup.com/ahr/article-abstract/106/2/343/64370?redirectedFrom=fulltext">communal arrangements</a>, including whole families and other household guests, to <a href="https://academic.oup.com/jdh/article-abstract/23/3/275/359439?redirectedFrom=fulltext">solo sleeping</a> in response to hygiene concerns as germ theory became accepted.</p> <p>Many couples find that bedsharing boosts their <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC1978364/">sense of closeness</a>. Research shows that bedsharing with your partner can lead to <a href="https://onlinelibrary.wiley.com/doi/10.1155/2017/8140672">longer sleep times</a> and a <a href="https://academic.oup.com/sleep/article-abstract/17/4/308/2753131">feeling of better sleep</a> overall.</p> <p>Bedsharing couples also often <a href="https://www.frontiersin.org/journals/psychiatry/articles/10.3389/fpsyt.2020.00583/full">get into sync</a> with each other’s sleep stages, which can enhance that feeling of intimacy. However, it’s not all rosy. Some studies indicate that females in heterosexual relationships may struggle more with sleep quality when bedsharing, as they can be <a href="https://link.springer.com/article/10.1111/j.1479-8425.2007.00320.x">more easily disturbed</a> by their male partner’s movements. Also, bedsharers can have less <a href="https://pubmed.ncbi.nlm.nih.gov/27624285/">deep sleep</a> than when sleeping alone, even though they feel like their sleep is better together.</p> <p>Many questions about co-sleeping remain unanswered. For instance, we don’t fully understand the developmental effects of co-sleeping on children, or the benefits of co-sleeping for adults beyond female-male romantic partners. But, some work suggests that co-sleeping can <a href="https://link.springer.com/article/10.1007/s11325-018-1710-y">comfort us</a>, similar to other <a href="https://onlinelibrary.wiley.com/doi/full/10.1111/jsr.14174">forms of social contact</a>, and help to enhance <a href="https://onlinelibrary.wiley.com/doi/10.1002/ajpa.20736">physical synchrony</a> between parents and children.</p> <p>Co-sleeping doesn’t have a one-size-fits-all answer. But remember that western norms aren’t necessarily the ones we have evolved with. So consider factors such as <a href="https://www.sciencedirect.com/science/article/abs/pii/S1389945716301265">sleep disorders</a>, health and age in your decision to co-sleep, rather than what everyone else is doing.<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/241803/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em><a href="https://theconversation.com/profiles/goffredina-spano-2240566">Goffredina Spanò</a>, Lecturer in Developmental Cognitive Neuroscience, <a href="https://theconversation.com/institutions/kingston-university-949">Kingston University</a> and <a href="https://theconversation.com/profiles/gina-mason-2240569">Gina Mason</a>, Postdoctoral Research Fellow in Psychiatry and Human Behaviour, <a href="https://theconversation.com/institutions/brown-university-1276">Brown University</a></em></p> <p><em>Image </em><em>credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/humans-evolved-to-share-beds-how-your-sleeping-companions-may-affect-you-now-241803">original article</a>.</em></p> </div>

Body

Your Go-To guide to game-changing Christmas skincare

<p dir="ltr">When it comes to Christmas presents, it’s hard to go wrong with skincare, makeup or anything in the general “self-care” space. </p> <p dir="ltr">This Christmas, <a href="https://gotoskincare.com/collections/holiday-2024">Go-To</a> (the revolutionary skincare brand founded by Zoe Foster-Blake) have released their most beautiful collection yet in collaboration with Alémais to deliver the very best in feeling good, for any budget. </p> <p dir="ltr">With 11 extremely limited gifts and sets to help you spread some serious cheer this season, you’ll find something for everyone, whether it’s for your daughter, granddaughter, neighbour, or that one friend that is always looking to level up their skincare routine. </p> <p dir="ltr">For the second year running, Go-To’s undeniably unique print and packaging is thanks to a local collaboration with Alémais, celebrating the very vibrant and zesty DNA of both brands.</p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-permalink="https://www.instagram.com/p/DBsyJSnxTMY/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/p/DBsyJSnxTMY/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by Go-To (@gotoskincare)</a></p> </div> </blockquote> <p dir="ltr">The gorgeous gift sets start at just $26 with Perfect Present, or for those looking more on the luxury side, the $300 must-have Facial In A Box has everything you need.</p> <p dir="ltr">You’ll also spot several never-before-seen items from Go-To, like, Bon Bons, a trio of tinted lip balms, and custom tarot cards.</p> <p dir="ltr">In addition to all the stunning skincare, Go-To have created gifts that live on as keepsakes, such as the signature silk pillowcase and matching silk eye mask.</p> <p dir="ltr">Or, if you can’t pick just one gift for that special someone, or you want to treat yourself and just can’t wait until December 25th, the 12 Days Of Go-To advent calendar is filled with so many merry items of merch paired with the effective, quality, clinically-proven skincare you know, love and need.</p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-permalink="https://www.instagram.com/reel/DBrsRwlJRsG/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/reel/DBrsRwlJRsG/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by Go-To (@gotoskincare)</a></p> </div> </blockquote> <p dir="ltr">The Go-To treats are ones you can feel good about in more ways than one, as Go-To is donating $1 from all marked gifts and sets, to their 2024 charity partner, Orange Sky: a not-for-profit that provides complimentary laundry services and warm showers to people in the community who are experiencing homelessness and hardship.</p> <p dir="ltr">With this glorious fusion of colour, wonderfully wacky motifs, and giving to those in need in the spirit of Christmas, Go-To has a gift for everyone in their most coveted holiday collection to date.</p> <p dir="ltr">The Go-To Christmas range is available at <a href="https://www.mecca.com/en-au/go-to/">Mecca</a>, both in-store and online, and on the official <a href="https://gotoskincare.com/collections/holiday-2024">Go-To</a> website.</p> <p dir="ltr"><em>Image credits: Shutterstock / Instagram </em></p> <p><span id="docs-internal-guid-bb2c25c8-7fff-6953-de80-1b3c24792a23"></span></p>

Beauty & Style

Arguing with the people you love? How to have a healthy family dispute

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/jessica-robles-617248">Jessica Robles</a>, <a href="https://theconversation.com/institutions/loughborough-university-1336">Loughborough University</a></em></p> <p>Unlike Britain’s royal family, most of us don’t have the option to move to another country when we don’t see eye to eye. But most of us have likely experienced disagreements with loved ones.</p> <p><a href="https://www.sscnet.ucla.edu/soc/faculty/heritage/Site/Publications_files/CA_as_SOCIAL_THEORY.pdf">Conversations are designed to</a> do things – to start some action, and complete it – whether it’s a service transaction, an invitation to coffee or reassurance on a bad day. Our <a href="https://books.google.co.uk/books?id=ZnhyDwAAQBAJ&printsec=frontcover&source=gbs_ge_summary_r&cad=0#v=onepage&q&f=false">uniquely complex communicative system</a> has evolved to help us get things done in the social world.</p> <p>Arguments are part of this complex system. They can be unavoidable, necessary or even productive. But they can also be difficult.</p> <p>It can be hard to know what to do when tensions are high and harsh words are flying, particularly when it involves someone you’re close to. But research on how disputes unfold – and conversation more generally – offers some ideas about the best way to handle one.</p> <h2>What is a dispute?</h2> <p>There are many words for disagreeing, and there are plenty of academic theories describing what disputes are and why they happen. But arguments are not abstract models. They’re lived in, breathed in, sweated in and talked (or sometimes shouted) into being.</p> <p>Research focusing on <a href="https://core.ac.uk/download/pdf/288351315.pdf">how disputes actually happen</a> shows they’re characterised by three types of features. First are the <a href="https://www.sciencedirect.com/science/article/abs/pii/S0378216606000488">vocal features</a>, which include talking in a higher pitch, louder and faster. Then, there are <a href="https://journals.sagepub.com/doi/pdf/10.1177/1750481310395452?casa_token=MCNQWEQD6HwAAAAA:8nbyXh-cgjWzfL3syRrwybRFQl_ddHIMy9tRIAwPRAFADrgHtR2LSl9ZoUFsVlnzWPjWaKQZZ9XEVA">embodied features</a> such as aggressive gestures and avoidant stances, such as turning away from someone. Finally, there are <a href="https://www.tandfonline.com/doi/pdf/10.1080/01638539009544746?casa_token=BB9edpIE1oUAAAAA:FTK-JRJ2oCmG7BufkUAQX1k1_9C1Cvc12r5ynYPM6duFB-HDWhgef8Va-Rh5Z2XksR64oTcPmi4FAQ">interactional features</a> such as talking over each other, not listening or metatalk – <a href="https://www.tandfonline.com/doi/pdf/10.1080/08351813.2020.1826765?casa_token=isJl2NJbSIkAAAAA:Mh-dXMfkBSGvEeoOWAoxLDjzbZ_eF-zbND-D8q4RAP5WHadqg1KUZDF_UnySFAcyb3LD-DF3BbGq1A">comments about the conversation</a> as it’s happening.</p> <p><a href="https://journals.sagepub.com/doi/pdf/10.1177/1354067X9953001?casa_token=Gje17vkyg_AAAAAA:ik_4Ze-4PIFLa6yjthOpztvJrtdVOokhRT73M8jDN4t1w0Bl7WzW2--d1vjZwanphorOH_r6jaVZdA">Displays of emotion</a> such as displeasure or anger, are also common. Participants might accuse each other of emotions or label their own emotions.</p> <p>Disputes happen for several reasons. What each person is doing can vary, from <a href="https://citeseerx.ist.psu.edu/viewdoc/download?doi=10.1.1.530.8869&rep=rep1&type=pdf">complaints and accusations</a> to <a href="https://bpspsychub.onlinelibrary.wiley.com/doi/pdf/10.1348/014466610X500791?casa_token=r58ikQ5XFxEAAAAA:QR9wr0Fcz7q5BeSvL8soAIhKMNA1O9TcpcBaLleBKDvZ8Q5sPyX1OSg0OzSL5-xb8By5QbgNm9kHNhg">demands, threats or resistance</a>.</p> <p>They can be about many things – familial obligations, what to have for dinner, politics or how to plan a holiday. Luckily, disputes share elements <a href="https://books.google.co.uk/books?id=2NxaC7nSetAC&printsec=frontcover&source=gbs_atb#v=onepage&q&f=false">with each other</a> and with conversation generally – so you don’t have to invent new strategies every time you’re caught in one.</p> <h2>Affiliation and alignment</h2> <p>When bickering with a friend or family member, there are ways to make them feel like you’re still on their side even if you disagree. If you can keep these in mind, and use them at the right time, you might stop your dispute from escalating into something harder to mend.</p> <p>The first thing is <a href="https://onlinelibrary.wiley.com/doi/abs/10.1002/9781405198431.wbeal0196.pub2">affiliation</a>, which means support for the other person or their view of things.</p> <p>Affiliation involves phrasing what you say so it’s best <a href="https://www.tandfonline.com/doi/pdf/10.1080/08351810903471258?casa_token=yxnWxfDAEB8AAAAA:uoHEX2dlOS06wxwlHH7TOWmmfB51qMMbzg5tadx5SeRcf_5-vABUKQZtIt0Hchu4vUlFNfCX4qRi5A">understood and easier to respond to</a>. For example, saying “you’ve been to France before, right?” invites someone to share their experience – partly by including the tag “right” at the end, which at least requires a confirmation.</p> <p>It can also involve categorisation, the way we talk about or treat others as <a href="https://link.springer.com/content/pdf/10.1007/BF00142771.pdf">certain types or group members</a>. For example, if you reduce the other person to a stereotype through labelling – by saying something like “girls always say stuff like that” or “OK, boomer” – you risk provoking a response to the insult, not to the action in which that insult was embedded.</p> <p>The second thing we expect from any conversation is alignment – cooperating with the direction of the conversation, such as accepting or denying a request. The opposite, disalignment, might occur when a request is ignored.</p> <p>Alignment has more to do with the sequence of the conversation, how the dispute unfolds over time. Asking for clarification – a practice known as <a href="https://journals.plos.org/plosone/article?id=10.1371/journal.pone.0136100">repair</a> – or <a href="https://www.jbe-platform.com/content/journals/10.1075/prag.27.1.03rob?crawler=true">claiming a misunderstanding</a> can treat problems as fixable errors rather than moral failings or attacks. <a href="https://journals.sagepub.com/doi/pdf/10.1177/0261927X17744244">Humour can diffuse</a> conflict escalation.</p> <h2>How to have a healthy dispute</h2> <p>In the course of a dispute, you need to think about when to bring these tactics out. They’re more likely to yield better outcomes earlier in the dispute. By the time it’s escalated, your responses may be viewed through the prism of the dispute and <a href="https://books.google.co.uk/books?hl=en&lr=&id=eFSXDwAAQBAJ&oi=fnd&pg=PT200&ots=6tM3fJnXr1&sig=Zchtur1abh25W7ERN5Q49ASRaJc#v=onepage&q&f=false">any offensiveness</a> you’ve already displayed toward each other. In cases like this, teasing can come across as contempt, for example, and claims to misunderstand as bad-faith mockery.</p> <p>It can feel like disputes take on a life of their own – as if the conversation uses us rather than we use it – and this is partly because conversation can seemingly take us along for the ride (consider the difficulty of turning down invitations). We invest our identities into conversations so disputes can seem to threaten us and <a href="https://www.sciencedirect.com/science/article/pii/S0378216618304302?casa_token=1SbOpn_2k8MAAAAA:YQ2Yb9nt-ONsmBKmVzTCx8cfl76bS5nK6_Yd8zONBVJFdJ57vwgdBDJxsXfk0aUOhilRQAF-ABA">what we stand for</a> morally.</p> <p>This may be starker with family, whose opinions of us often matter more than friends or colleagues, for example. It’s always worth stopping to reflect on what a dispute is really for, whether what you’re saying lines up with your goals and whether taking a stand is worth it.<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/159565/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em><a href="https://theconversation.com/profiles/jessica-robles-617248">Jessica Robles</a>, Lecturer in Social Psychology, <a href="https://theconversation.com/institutions/loughborough-university-1336">Loughborough University</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/arguing-with-the-people-you-love-how-to-have-a-healthy-family-dispute-159565">original article</a>.</em></p> </div>

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