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The financial reality check after a major diagnosis

<p>Once you have received and processed your doctor’s diagnosis, take stock of the situation, because this will determine how you respond and what resources you have available to support you going forward.</p> <p>Who received the diagnosis – you or your spouse (if you have one)? Is it a terminal illness, chronic condition or treatable setback? </p> <p>If you are not yet retired, will you be able to keep working, need a period off work or will this bring forward your retirement? If leaving work temporarily, what are your prospects for re-entering the workforce? Will your partner need to leave their work to care for you (or vice versa)?</p> <p>Once you have clarified and considered this, spring into action as soon as possible.</p> <p><strong>Revisit your spending</strong></p> <p>Healthcare is expensive by any measure. </p> <p>Pensioners and healthcare card holders may get much or all of your treatment covered, but waiting times in the public system can be lengthy. For self-funded retirees, even with private health insurance, there can be considerable out-of-pocket costs: specialist visits, diagnostics, symptom management, physiotherapy and so on. </p> <p>Depending on the type of diagnosis, you may also need to modify your home (install ramps, railings etc.) and/or obtain specialist furniture and equipment. Then comes care requirements – private nurses, retirement living, hospice or palliative care.</p> <p>Your lifestyle may also change, and quickly. Your clothes and shoes may no longer fit if you lose weight rapidly. You may no longer be able to drive. You may need help with household chores – cleaning, cooking, gardening. Covering these requires money if you don’t have family and friends able to lend a helping hand.</p> <p>Carefully look at what supports your new reality demands and whether they will be one-off or ongoing expenses. Some things will need to be purchased, others could be hired to split the cost over the longer term. </p> <p><strong>Secure your income</strong></p> <p>Once you’ve established the impact on your ability to work and your spending needs, determine how you will pay for everything going forward.</p> <p>Your emergency fund can provide short-term cash if you need to stop working suddenly or fork out for large, unexpected bills. </p> <p>Depending on your age and circumstances, it may be worth bringing forward your retirement – allowing you to draw income from superannuation and focus more on your (or your partner’s) health.</p> <p>Check your insurances to see what claims you could make – having paid the premiums, now is the time make use of them. Relevant insurances include total permanent disability, income protection, trauma or critical illness cover. Meanwhile some life insurance policies may pay out based on a specialist’s diagnosis, unlocking much-needed funds sooner. Depending on your diagnosis, policy and the type of insurance, payouts may be a lump sum or smaller payments spaced out over time.</p> <p><strong>Update your estate plans</strong></p> <p>A major diagnosis typically elicits thoughts about mortality, legacy and how you want your loved ones to be provided for.</p> <p>Crucially, it may also influence factors such as guardianship of minors and pets while you are unwell/in hospital, Power of Attorney to cover important legal and financial decisions if you are incapacitated, and palliative care arrangements if required.</p> <p>Before heavy medications, surgeries or further deterioration of your health cloud your judgement, ensure your will and estate plans are updated to fully reflect your current needs and wishes.</p> <p><strong>Look after yourself</strong></p> <p>Stress, shock, anger and despair are common emotions to feel when faced with a major diagnosis. As such, it’s important you look after your mental and emotional wellbeing too.</p> <p>It needn’t cost a cent – you could look to free counselling services available such as Lifeline and Beyond Blue; a daily walk by the beach or through the local park; catching up with loved ones for support and companionship. </p> <p>Keeping your spirits up, as much as you can under the circumstances, can improve your quality of life while also helping you make clearer decisions about your health, finances and relationships – making it arguably the best investment of all.</p> <p>Back that up with sound legal, tax and financial advice. There is much to consider where insurance, superannuation, inheritances, Centrelink and more are involved, and you can’t know everything – especially when your focus is rightly elsewhere!</p> <p><em><strong>Helen Baker is a licensed Australian financial adviser and author of On Your Own Two Feet: The Essential Guide to Financial Independence for all Women. Helen is among the 1% of financial planners who hold a master’s degree in the field. Proceeds from book sales are donated to charities supporting disadvantaged women and children. Find out more at <a href="http://www.onyourowntwofeet.com.au/">www.onyourowntwofeet.com.au</a></strong></em></p> <p><em><strong>Disclaimer: The information in this article is of a general nature only and does not constitute personal financial or product advice. Any opinions or views expressed are those of the authors and do not represent those of people, institutions or organisations the owner may be associated with in a professional or personal capacity unless explicitly stated. Helen Baker is an authorised representative of BPW Partners Pty Ltd AFSL 548754.</strong></em></p> <p><em><strong>Image credits: Shutterstock </strong></em></p>

Money & Banking

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Julia Morris issues urgent warning after skin cancer scare

<p>Julia Morris has taken to social media with a warning about sun safety after a health scare. </p> <p>The<em> I'm a Celebrity... Get Me Out of Here! </em>host shared a photo of herself lying in a hospital bed with a bandage wrapped around her head to Instagram on Friday. </p> <p>“How is your 50+ working out for you? I wish I had used it more in my life. Another pretty big skin cancer removed this week,” she wrote in the caption. </p> <p>"Going to have to up my eyebrow drawing game," she joked.</p> <p>But jokes aside, she issued an urgent warning about the skin cancer risks associated with sun exposure. </p> <p>"The Aussie sun is no joke and while I lived like a pig on a spit in my 20s, I’m absolutely suffering the consequences now. Please slip slop slap &amp; as always, early detection is the key," she continued.</p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-captioned="" data-instgrm-permalink="https://www.instagram.com/p/DAZe1DlTgMD/?utm_source=ig_embed&amp;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/DAZe1DlTgMD/?utm_source=ig_embed&amp;utm_campaign=loading" target="_blank" rel="noopener">A post shared by Julia Morris (@ladyjuliamorris)</a></p> </div> </blockquote> <p>She then shared her gratitude for the care and support she received from her medical team. </p> <p>"Big love to Dr Sheridan and the glorious team at Phoenix Dermatology &amp; the Avenue Hospital for all the TLC this week.”</p> <p>The TV personality's friends and fans flooded the comments with their well wishes. </p> <p>"Sending a giant hug from all of us," wrote Bindi Irwin.</p> <p>“I hope you’re doing ok. Plus, you rock a headband. I’m sure it’s fashion somewhere…” her former<em> I’m A Celebrity</em> co-host Chris Brown replied. </p> <p>“Good on you for sending out the message! Get better quick love,” Brittany Hockley wrote. </p> <p>Oh you poor thing - at first I thought you had a Santa hat on,” <em>The Block’s</em> Shaynna Blaze added. “You being all Jolly and all that! Get well and glad you are in the early detection stages!”</p> <p><em>Images: Instagram</em></p>

Caring

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Olympian's life "a living nightmare" after simple self-check out mistake

<p>A former Olympian has spoken about how her life was ruined after she accidentally failed to scan to items at a self-checkout machine in Walmart. </p> <p>Canadian athlete Meaggan Pettipiece, 48, was arrested on March 28 in Indiana for theft, possession of marijuana and possession of a controlled substance.</p> <p>The charges have since been dropped, but Pettipiece lost her prestigious job as the head coach of the Valparaiso University softball team as a result and says her career and reputation have been ruined. </p> <p>The ordeal began when the self-checkout machine at Walmart reportedly failed to scan the asparagus and ham that Pettipiece intended to purchase. </p> <p>Walmart security saw that she failed to scan the items  — worth a total of $67 — prompting them to call the police despite her having paid $167 for her other groceries.</p> <p>Pettipiece was arrested and when police searched her they found three disposable vapes in her purse, along with two unopened blister packs containing anti-nausea medication Zofran.</p> <p>The former athlete said the vapes did not contain any nicotine or THC, and the anti-nausea pills belonged to an assistant coach who had asked her to keep them in her purse during a softball game, days before her arrest. </p> <p>“We both forgot about them,” Pettipiece told the<em> National Post.</em></p> <p>The outlet reported that earlier this month, her lawyer submitted an application for dismissal that included her account of the incident, proof of her assistant’s prescription, and character reference letters.</p> <p>After reading the application, her charges were dropped by justice officials on September 19, but the damage caused by the incident "changed everything". </p> <p>“It is bittersweet,” she told <em>National Post</em>.</p> <p>“I’m happy, obviously, the charges were dismissed. The sad part is the damage it did to my career. It has changed everything in my life.”</p> <p>Pettipiece resigned as head coach of the softball team shortly after the Walmart incident. </p> <p>"It's been five months, a living nightmare. I lost my career, I lost my job, the life I was building and it's been really difficult."</p> <p>Along with the damage to her career, Pettipiece said the effect on her reputation has been equally heartbreaking. </p> <p>“The softball community is a tight-knit group and it (the news) went through like wildfire,” she said. </p> <p>“You really do learn who the people are that really believe in you and trust you and are truly a friend for you." </p> <p>The former athlete is now living in Ohio with her family, and though the charges against her have been dismissed she is worried the damage "can't be reversed". </p> <p>“The tough thing is, how do you get out to people that you are innocent? And this damage was done for something so ridiculous,” Pettipiece told the outlet.</p> <p>“I’m not sure of the future. For now, I’m going to stay at home and focus on my kids. I’d like to figure out which direction I’m going to go in.”</p> <p><em>Image: Valparaiso University Athletics/ </em><em>ZikG / Shutterstock.com</em></p> <p> </p>

Legal

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Achieve healthy, glowy skin with this revolutionary new makeup range

<p dir="ltr">Everyday makeup is something that differs wildly for everyone. Some people love to wear full coverage foundation and full glam from day to day, while others prefer an easy no-makeup look.</p> <p dir="ltr">Whether you prefer heavy coverage or a light dusting of colour, Elizabeth Arden’s makeup and skincare has something for everyone. </p> <p dir="ltr">The new <a href="https://www.elizabetharden.com.au/products/ceramide-lift-and-firm-cream-makeup">Elizabeth Arden Ceramide Lift and Firm Makeup</a> has light coverage that can be easily buildable by adding more products. On top of the stunning coverage, the cream makeup is infused with anti-ageing technology that instantly covers imperfections like dark spots and uneven skin tone.</p> <p dir="ltr">This skincaring formula moisturises and helps to support the skin’s barrier, all while helping to even complexion, improve fine lines, wrinkles, skin’s firmness and elasticity with a healthy glow. </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/C64mhHNofVF/?utm_source=ig_embed&amp;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/C64mhHNofVF/?utm_source=ig_embed&amp;utm_campaign=loading" target="_blank" rel="noopener">A post shared by Elizabeth Arden Australia and New Zealand (@elizabethardenanz)</a></p> </div> </blockquote> <p dir="ltr">Pairing the Cream Makeup with the <a href="https://www.elizabetharden.com.au/products/flawless-finish-skincaring-pressed-powder">Flawless Finish Skincaring Pressed Powder</a> and Flawless Finish Skincaring Concealer is all you need for an easy, glowy skin look you can feel good about. </p> <p dir="ltr">Top off your look with the <a href="https://www.elizabetharden.com.au/products/eight-hour-cream-lip-protectant-stick-sheer-tint-sunscreen-spf-15?variant=47725857669411">Elizabeth Arden Eight Hour® Cream Lip Protectant Stick</a> available in a variety of shades to add a touch of colour to your lips and cheeks, giving you a complete look to get you through the day. </p> <p dir="ltr">The Elizabeth Arden makeup range has quickly become a fan favourite, as I put it to the test for several weeks and as a result, the Lift and Firm Makeup Cream, Flawless Finish powder and concealer, and the Lip Protectant Stick have made it into my daily routine. </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/C6M09x7MCvF/?utm_source=ig_embed&amp;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/C6M09x7MCvF/?utm_source=ig_embed&amp;utm_campaign=loading" target="_blank" rel="noopener">A post shared by Elizabeth Arden Australia and New Zealand (@elizabethardenanz)</a></p> </div> </blockquote> <p dir="ltr">The Lift and Firm Makeup Cream is easy to blend and long lasting, and I, as someone with oily skin, can confidently say that this formula does not make your skin feel clogged or heavy. The makeup is light and buildable, and gives you a stunning healthy glow all day. </p> <p dir="ltr">The Lip Protectant Sticks have become a personal favourite, as they are super moisturising and offer a gorgeous hue of colour when you want a little something, but not a full coverage lipstick. (On top of all of this, these Sticks are indestructible. I accidentally put one through the washing machine and still wore it to work the next day!)</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/C-DbgxfIWtk/?utm_source=ig_embed&amp;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/C-DbgxfIWtk/?utm_source=ig_embed&amp;utm_campaign=loading" target="_blank" rel="noopener">A post shared by Elizabeth Arden (@elizabetharden)</a></p> </div> </blockquote> <p dir="ltr">If you’re looking for something to revamp your makeup routine as we head into warmer weather, the <a href="https://www.elizabetharden.com.au/">Elizabeth Arden</a> range has everything you need to keep your skin healthy and glowing all summer long. </p> <p dir="ltr"><em>Image credits: Shutterstock </em></p>

Beauty & Style

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How old’s too old to be a doctor? Why GPs and surgeons over 70 may need a health check to practise

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/christopher-rudge-108366">Christopher Rudge</a>, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a></em></p> <p>A growing number of complaints against older doctors has prompted the Medical Board of Australia to <a href="https://www.medicalboard.gov.au/News/2024-08-07-Medical-Board-consults-on-new-approach-to-keep-late-career-doctors-in-safe-practice.aspx">announce</a> today that it’s reviewing how doctors aged 70 or older are regulated. Two new options are on the table.</p> <p>The first would require doctors over 70 to undergo a detailed health assessment to determine their current and future “fitness to practise” in their particular area of medicine.</p> <p>The second would require only general health checks for doctors over 70.</p> <p>A third option acknowledges existing rules requiring doctors to maintain their health and competence. As part of their <a href="https://www.medicalboard.gov.au/Codes-Guidelines-Policies/Code-of-conduct.aspx">professional code of conduct</a>, doctors must seek independent medical and psychological care to prevent harming themselves and their patients. So, this third option would maintain the status quo.</p> <h2>Haven’t we moved on from set retirement ages?</h2> <p>It might be surprising that stricter oversight of older doctors’ performance is proposed now. Critics of mandatory retirement ages in other fields – for judges, for instance – have long questioned whether these rules are “<a href="https://law.unimelb.edu.au/__data/assets/pdf_file/0019/2061019/02-Blackham.pdf">still valid in a modern society</a>”.</p> <p>However, unlike judges, doctors are already <a href="https://www.medicalboard.gov.au/Registration/Registration-Renewal.aspx">required to renew their registration</a> annually to practise. This allows the Medical Board of Australia not only to access sound data about the prevalence and activity of older practitioners, but to assess their eligibility regularly and to conduct <a href="https://www.ahpra.gov.au/Notifications/Further-information/Guides-and-fact-sheets/Performance-assessments.aspx">performance assessments</a> if and when they are needed.</p> <h2>What has prompted these proposals?</h2> <p>This latest <a href="https://www.ahpra.gov.au/documents/default.aspx?record=WD24%2f33840&amp;dbid=AP&amp;chksum=vCEdxXaBs0%2bMeMZFxSb7SQ%3d%3d&amp;_gl=1*3ol06k*_ga*MzU1NjAzMTc1LjE3MjMwMDA1Nzc.*_ga_F1G6LRCHZB*MTcyMzAwMDU3Ny4xLjEuMTcyMzAwMDU4My4wLjAuMA..">proposal</a> identifies several emerging concerns about older doctors. These are grounded in external research about the effect of age on doctors’ competence as well as the regulator’s internal data showing surges of complaints about older doctors in recent years.</p> <p>Studies of medical competence in ageing doctors show <a href="https://qualitysafety.bmj.com/content/29/2/113">variable results</a>. However, the Medical Board of Australia’s consultation document emphasises studies of neurocognitive loss. It explains how physical and cognitive impairment can lead to poor record-keeping, improper prescribing, as well as disruptive behaviour.</p> <p>The other issue is the number of patient complaints against older doctors. These “notifications” have surged in recent years, as have the number of disciplinary actions against older doctors.</p> <p>In 2022–2023, the Medical Board of Australia took disciplinary action against older doctors about 1.7 times more often than for doctors under 70.</p> <p>In 2023, notifications against doctors over 70 were 81% higher than for the under 70s. In that year, patients sent 485 notifications to the Medical Board of Australia about older doctors – up from 189 in 2015.</p> <p>While older doctors make up only about 5.3% of the doctor workforce in Australia (less than 1% over 80), this only makes the high numbers of complaints more starkly disproportionate.</p> <p>It’s for these reasons that the Medical Board of Australia has determined it should take further regulatory action to safeguard the health of patients.</p> <h2>So what distinguishes the two new proposed options?</h2> <p>The “fitness to practise” assessment option would entail a rigorous assessment of doctors over 70 based on their specialisation. It would be required every three years after the age of 70 and every year after 80.</p> <p>Surgeons, for example, would be assessed by an independent occupational physician for dexterity, sight and the ability to give clinical instructions.</p> <p>Importantly, the results of these assessments would usually be confidential between the assessor and the doctor. Only doctors who were found to pose a substantial risk to the public, which was not being managed, would be obliged to report their health condition to the Medical Board of Australia.</p> <p>The second option would be a more general health check not linked to the doctor’s specific role. It would occur at the same intervals as the “fitness to practise” assessment. However, its purpose would be merely to promote good health-care decision-making among health practitioners. There would be no general obligation on a doctor to report the results to the Medical Board of Australia.</p> <p>In practice, both of these proposals appear to allow doctors to manage their own general health confidentially.</p> <h2>The law tends to prioritise patient safety</h2> <p>All state versions of the legal regime regulating doctors, known as the National Accreditation and Registration Scheme, include a “paramountcy” provision. <a href="https://www8.austlii.edu.au/cgi-bin/viewdoc/au/legis/act/consol_act/hprnl428/s3a.html">That provision</a> basically says patient safety is paramount and trumps all other considerations.</p> <figure class="align-center zoomable"><figcaption></figcaption></figure> <p>As with legal <a href="https://legislation.nsw.gov.au/view/html/inforce/current/act-2010-104a#sec.3">regimes regulating childcare</a>, health practitioner regulation prioritises the health and safety of the person receiving the care over the rights of the licensed professional.</p> <p>Complicating this further, is the fact that a longstanding principle of health practitioner regulation has been that doctors should not be “<a href="https://papers.ssrn.com/sol3/papers.cfm?abstract_id=3383892">punished</a>” for errors in practice.</p> <p>All of this means that reforms of this nature can be difficult to introduce and that the balance between patient safety and professional entitlements must be handled with care.</p> <h2>Could these proposals amount to age discrimination?</h2> <p>It is premature to analyse the legal implications of these proposals. So it’s difficult to say how these proposals interact with Commonwealth age- and other anti-discrimination laws.</p> <p>For instance, one complication is that the federal age discrimination statute includes an exemption to allow “qualifying bodies” such as the Medical Board of Australia to discriminate against older professionals <a href="https://www8.austlii.edu.au/cgi-bin/viewdoc/au/legis/cth/consol_act/ada2004174/s22.html?context=1;query=inherent;mask_path=au/legis/cth/consol_act/ada2004174">who are</a> “unable to carry out the inherent requirements of the profession, trade or occupation because of his or her age”.</p> <p>In broader terms, a licence to practise medicine is often compared to a <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC6797044/">licence to drive</a> or <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC10236877/">pilot an aircraft</a>. Despite <a href="https://www.smh.com.au/national/nsw/mandatory-test-older-drivers-facing-discrimination-says-pensioner-group-20170607-gwm45u.html">claims of discrimination</a>, New South Wales law requires older drivers to undergo a medical assessment <a href="https://www.nsw.gov.au/driving-boating-and-transport/driver-and-rider-licences/older-drivers-and-riders/assessments">every year</a>; and similar requirements affect older <a href="https://www.google.com/url?sa=t&amp;source=web&amp;rct=j&amp;opi=89978449&amp;url=https://www.casa.gov.au/guidelines-medical-assessment-aviation&amp;ved=2ahUKEwil-9GXlOKHAxUdslYBHdN_EboQFnoECBkQAQ&amp;usg=AOvVaw0SgpoCCKjNriMN20fs16rq">pilots and air traffic controllers</a>.</p> <h2>Where to from here?</h2> <p>When changes are proposed to health practitioner regulation, there is typically much media attention followed by a consultation and behind-the-scenes negotiation process. This issue is no different.</p> <p>How will doctors respond to the proposed changes? It’s too soon to say. If the proposals are implemented, it’s possible some older doctors might retire rather than undergo these mandatory health assessments. Some may argue that encouraging more older doctors to retire is precisely the point of these proposals. However, <a href="https://www1.racgp.org.au/newsgp/professional/ahpra-eyes-mandatory-health-checks-for-older-gps">others have suggested</a> this would only exacerbate shortages in the health-care workforce.</p> <p>The proposals are open for <a href="https://www.medicalboard.gov.au/News/Current-Consultations.aspx">public comment</a> until October 4.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/236305/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/christopher-rudge-108366">Christopher Rudge</a>, Law lecturer, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a></em></p> <p><em>Image credits: Shutterstock</em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/how-olds-too-old-to-be-a-doctor-why-gps-and-surgeons-over-70-may-need-a-health-check-to-practise-236305">original article</a>.</em></p> </div>

Body

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Yes, blue light from your phone can harm your skin. A dermatologist explains

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/michael-freeman-223922">Michael Freeman</a>, <a href="https://theconversation.com/institutions/bond-university-863">Bond University</a></em></p> <p>Social media is full of claims that everyday habits can harm your skin. It’s also full of recommendations or advertisements for products that can protect you.</p> <p>Now social media has blue light from our devices in its sights.</p> <p>So can scrolling on our phones really damage your skin? And will applying creams or lotions help?</p> <p>Here’s what the evidence says and what we should really be focusing on.</p> <h2>Remind me, what actually is blue light?</h2> <p>Blue light is part of the visible light spectrum. Sunlight is the strongest source. But our electronic devices – such as our phones, laptops and TVs – also emit it, albeit at levels <a href="https://melasmaclinic.com.au/wp-content/uploads/2024/01/Melasma-LEDS.pdf">100-1,000 times</a> lower.</p> <p>Seeing as we spend so much time using these devices, there has been some concern about the impact of blue light on our health, including <a href="https://theconversation.com/do-blue-light-glasses-really-work-can-they-reduce-eye-strain-or-help-me-sleep-213145">on our eyes and sleep</a>.</p> <p>Now, we’re learning more about the impact of blue light on our skin.</p> <h2>How does blue light affect the skin?</h2> <p>The evidence for blue light’s impact on skin is still emerging. But there are some interesting findings.</p> <p><strong>1. Blue light can increase pigmentation</strong></p> <p><a href="https://academic.oup.com/ced/article-abstract/46/5/934/6598472?redirectedFrom=fulltext&amp;login=false">Studies</a> <a href="https://onlinelibrary.wiley.com/doi/full/10.1111/srt.13401">suggest</a> exposure to blue light can stimulate production of melanin, the natural skin pigment that gives skin its colour.</p> <p>So too much blue light can potentially worsen hyperpigmentation – overproduction of melanin leading to dark spots on the skin – especially in people with darker skin.</p> <p><strong>2. Blue light can give you wrinkles</strong></p> <p>Some research <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC6280109/">suggests</a> blue light might damage collagen, a protein essential for skin structure, potentially accelerating the formation of wrinkles.</p> <p>A laboratory <a href="https://pubmed.ncbi.nlm.nih.gov/29399830/">study suggests</a> this can happen if you hold your device one centimetre from your skin for as little as an hour.</p> <p>However, for most people, if you hold your device more than 10cm away from your skin, that would reduce your exposure <a href="https://en.wikipedia.org/wiki/Inverse-square_law">100-fold</a>. So this is much less likely to be significant.</p> <p><strong>3. Blue light can disrupt your sleep, affecting your skin</strong></p> <p>If the skin around your eyes looks dull or puffy, it’s easy to blame this directly on blue light. But as we know blue light affects sleep, what you’re probably seeing are some of the visible signs of sleep deprivation.</p> <p>We know blue light is particularly good at <a href="https://journals.physiology.org/doi/full/10.1152/japplphysiol.01413.2009?rss=1">suppressing</a> production of melatonin. This natural hormone normally signals to our bodies when it’s time for sleep and helps regulate our sleep-wake cycle.</p> <p>By suppressing melatonin, blue light exposure before bed disrupts this natural process, making it harder to fall asleep and potentially reducing the <a href="https://www.tandfonline.com/doi/abs/10.1080/07420528.2023.2173606">quality of your sleep</a>.</p> <p>The stimulating nature of screen content further disrupts sleep. Social media feeds, news articles, video games, or even work emails can keep our brains active and alert, hindering the transition into a sleep state.</p> <p>Long-term sleep problems can also <a href="https://academic.oup.com/ced/article-abstract/40/1/17/6621145?login=false">worsen</a> existing skin conditions, such as acne, eczema and rosacea.</p> <p>Sleep deprivation can elevate cortisol levels, a stress hormone that breaks down collagen, the protein responsible for skin’s firmness. Lack of sleep can also weaken the skin’s natural barrier, making it more susceptible to environmental damage and dryness.</p> <h2>Can skincare protect me?</h2> <p>The beauty industry has capitalised on concerns about blue light and offers a range of protective products such as mists, serums and lip glosses.</p> <p>From a practical perspective, probably only those with the more troublesome hyperpigmentation known as <a href="https://dermnetnz.org/topics/melasma">melasma</a> need to be concerned about blue light from devices.</p> <p>This condition requires the skin to be well protected from all visible light at all times. The only products that are totally effective are those that block all light, namely mineral-based suncreens or some cosmetics. If you can’t see the skin through them they are going to be effective.</p> <p>But there is a lack of rigorous testing for non-opaque products outside laboratories. This makes it difficult to assess if they work and if it’s worth adding them to your skincare routine.</p> <h2>What can I do to minimise blue light then?</h2> <p>Here are some simple steps you can take to minimise your exposure to blue light, especially at night when it can disrupt your sleep:</p> <ul> <li> <p>use the “night mode” setting on your device or use a blue-light filter app to reduce your exposure to blue light in the evening</p> </li> <li> <p>minimise screen time before bed and create a relaxing bedtime routine to avoid the types of sleep disturbances that can affect the health of your skin</p> </li> <li> <p>hold your phone or device away from your skin to minimise exposure to blue light</p> </li> <li> <p>use sunscreen. Mineral and physical sunscreens containing titanium dioxide and iron oxides offer broad protection, including from blue light.</p> </li> </ul> <h2>In a nutshell</h2> <p>Blue light exposure has been linked with some skin concerns, particularly pigmentation for people with darker skin. However, research is ongoing.</p> <p>While skincare to protect against blue light shows promise, more testing is needed to determine if it works.</p> <p>For now, prioritise good sun protection with a broad-spectrum sunscreen, which not only protects against UV, but also light.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/233335/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/michael-freeman-223922">Michael Freeman</a>, Associate Professor of Dermatology, <a href="https://theconversation.com/institutions/bond-university-863">Bond University</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/yes-blue-light-from-your-phone-can-harm-your-skin-a-dermatologist-explains-233335">original article</a>.</em></p> </div>

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Woman cops hefty fine after "checking out surf"

<p>A woman has lashed out at her local council after she copped a fine for $136 for a five-minute stop at a popular beach to assess the surf conditions. </p> <p>Amy Sloane stopped her car at The Esplanade at NSW's Caves Beach to get a sense of the surf conditions on July 6th, and was unknowingly being watched by a parking inspector. </p> <p>Ms Sloane was shocked to receive the fine in the post a few weeks later, arguing that her actions didn't justify the fine.</p> <p>"How do I feel? P***ed off," she told <em>Yahoo News</em>. "Rangers can't fine people who don't pick up after their dogs on our beaches, but can secretly fine you without you knowing for just checking out the surf for five minutes."</p> <p>She also called the council workers "cowards", saying the area she stopped in is often used by locals and tourists to get a look at the surf, and even whale watch occasionally during migration season.</p> <p>As she continued to defend her actions, Lake Macquarie City Council clarified that the infringement stated the driver parallel parked in the opposite direction of travel, which is a  known "safety offence under Australia Road Rules".</p> <p>It is illegal in all Australian states and territories to park your car in the opposite direction of traffic on any road.</p> <p>"The fine at hand was issued for not parallel parking in the direction of travel, which is a safety offence under Australian Road Rules. The driver's vehicle crossed double white lines and was parked near a bend, facing oncoming traffic, which further heightened safety concerns," a council spokesperson said.</p> <p>After expressing her annoyance on social media, many agreed the fine was warranted, saying she had done the wrong thing, regardless of how long she was there for.</p> <p>Other locals chimed in and said "it happens all the time" despite it being a fineable offence.</p> <p>"If you think the fine is wrong, fight it. If you were parked incorrectly, wear the fine," another said.</p> <p>Sloane confirmed to <em><a href="https://au.news.yahoo.com/woman-fined-136-after-checking-out-surf-at-popular-beach-084002221.html?guccounter=1" target="_blank" rel="noopener">Yahoo News</a> </em>she will begrudgingly pay the fine.</p> <p><em>Image credits: Facebook / Shutterstock </em></p>

Money & Banking

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Take my (bad) breath away – causes of halitosis and how to check whether you have it

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/dan-baumgardt-1451396">Dan Baumgardt</a>, <a href="https://theconversation.com/institutions/university-of-bristol-1211">University of Bristol</a></em></p> <p>In Greek mythology, the many-headed beast <a href="https://mythopedia.com/topics/hydra">Hydra</a> had such severe <a href="https://patient.info/oral-dental-care/bad-breath-halitosis">halitosis</a> that the stench of its breath was deadly to anyone who smelled it. Thankfully, our morning breath might not be that pungent – although eating <a href="https://www.healthline.com/health/get-rid-of-garlic-onion-breath">onions or garlic</a> can put some people in competition with the Hydra.</p> <p>Halitosis has many causes (aside from poor oral hygiene) and can indicate problems with the gut, the sinuses and even the bloodstream. In fact, breath samples can even be tested to make formal diagnoses of health conditions.</p> <p>One condition that can affect the smell of breath is <a href="https://www.diabetes.org.uk/">diabetes mellitus</a>. This is a metabolic disorder where sugar (glucose) is unable to access the body’s cells where it is needed to provide energy, and so rises in the bloodstream.</p> <p>In some instances, such as insufficient insulin dosing, or infection, the body’s response is to break down fats into compounds called ketones to act as a rapid form of fuel. This serious condition is called <a href="https://www.nhs.uk/conditions/diabetic-ketoacidosis/">diabetic ketoacidosis</a>.</p> <p>Ketones have a distinctive scent. <a href="https://www.gov.uk/government/publications/acetone-properties-and-incident-management/acetone-general-information">Acetone</a>, which is also an ingredient in some nail varnish removers, is one of these ketones and has the smell of pear drops. When ketones build up in the bloodstream they easily <a href="https://iopscience.iop.org/article/10.1088/0967-3334/32/8/N01/pdf">diffuse into the breath</a>, giving it a <a href="https://www.medicalnewstoday.com/articles/319683">fruity odour</a>.</p> <p>It’s not just diabetes that can trigger ketone production. <a href="https://pubmed.ncbi.nlm.nih.gov/36033148/">Some diets</a> are based on generating ketones from the breakdown of fats to promote weight loss. These methods, such as the <a href="https://www.healthline.com/nutrition/atkins-diet-101">Atkins diet</a>, force the body to convert fat into energy by restricting carbohydrates.</p> <figure><iframe src="https://www.youtube.com/embed/5U8IDO1fHlU?wmode=transparent&amp;start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe></figure> <p>Other diets based on the same principles include the <a href="https://patient.info/healthy-living/weight-loss-weight-reduction/52-diet">5:2</a> intermittent fasting diet. On this diet, followers restrict food intake on two days of the week to significantly reduce calorie consumption – and make the body produce ketones.</p> <p>These diets may help weight loss, but the side-effects can be grim. One of the most notorious side-effects is foul breath, although there are also anecdotal reports of <a href="https://www.forbes.com/sites/brucelee/2019/03/03/is-keto-crotch-really-a-side-effect-of-the-keto-diet/">“keto crotch”</a> where some followers of keto diets complain of strong genital odour.</p> <h2>Bacteria and breath</h2> <p>Another cause of bad breath is an <a href="https://iopscience.iop.org/article/10.1088/1752-7155/4/1/017003/pdf">overgrowth of bacteria</a> that produce foul smells. There are plenty of nooks and crannies in the mouth for bacteria to hide, grow and fester, especially the hard-to-clean areas – in between the teeth, and in and around the gums and tongue – or out-of-reach places, such as right at the back of the mouth and the throat.</p> <p>The throat acts as a passage for food, fluids and air. Some patients can develop a condition called <a href="https://www.entuk.org/patients/conditions/49/pharyngeal_pouch_surgery_new">pharyngeal pouch</a>. This is where a pocket forms at the back of the pharynx (the medical name for the throat) in which food and fluids can accumulate, ferment and give breath a pungent odour.</p> <p>Bacteria can also trigger infections in the mouth, like tonsillitis and tooth abscesses where tissues become inflamed, or develop purulence (production of pus). Pus is a collection of different dead cells, including bacteria, and it too can give off a putrid smell.</p> <p>Also, <a href="https://pubmed.ncbi.nlm.nih.gov/25234037/">sinusitis</a> – which is an infection of the air-filled cavities in the skull – can drip foul-smelling infected secretions into the throat, causing bad breath.</p> <h2>Breath tests</h2> <p>Doctors can test breath for bacteria to diagnose some health conditions. For example, <em><a href="https://pubmed.ncbi.nlm.nih.gov/28891138/">Helicobacter pylori</a></em>, bacteria that can irritate the gut and lead to the development of potentially dangerous ulcers, turns the compound urea into carbon dioxide. To test for <em>H pylori</em>, a <a href="https://www.nhs.uk/conditions/stomach-ulcer/diagnosis/">diagnostic breath test</a> is performed before and after dosing a patient with urea. If the patient exhales increased levels of carbon dioxide after being dosed with urea, then the test is positive.</p> <p>Breath can also be tested for an overgrowth of bacteria in the <a href="https://www.healthline.com/health/sibo">small intestine</a> (Sibo), which can lead to symptoms like abdominal pain and bloating. Sibo produces gases like hydrogen and methane that can also be detected with a breath test.</p> <p>If you’re worried about pongy breath and don’t have any medical issues, then you can <a href="https://www.healthline.com/health/dental-and-oral-health/how-to-smell-your-own-breath">test your own breath</a>. The age-old method is to lick the back of your wrist, let it dry and then have a sniff. You can also do the same with a tongue scraper, dental floss or a sample of breath exhaled into a cupped hand.</p> <figure><iframe src="https://www.youtube.com/embed/ak5UEM8FK2s?wmode=transparent&amp;start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe></figure> <p>Often, we can become used to the smell of our own breath. We might only notice when it becomes really bad, or when there are other symptoms, like a foul taste in the mouth. Or when someone plucks up the courage to finally tell you that you have a case of the breath pongs.</p> <p>Suppose someone has broken the news – what do you do now? <a href="https://www.nhs.uk/conditions/bad-breath/">Simple measures can work well</a>, including regular fluid intake – <a href="https://www.dentalhealth.org/bad-breath">dry mouth</a> can lead to bad breath so make sure you’re drinking enough water – and good oral hygiene. This involves brushing the teeth, tongue and flossing between your teeth to eliminate any bacterial hot spots, as well as regular checkups at the dentist.</p> <p>Mouthwash can be an effective temporary solution but there’s evidence that a <a href="https://theconversation.com/eating-leafy-greens-could-be-better-for-oral-health-than-using-mouthwash-221181#:%7E:text=But%20research%20has%20indicated%20that,alternative%20for%20treating%20oral%20disease.">diet rich in leafy greens</a> might be even better at countering bad breath.</p> <p>Smoking is another potential underlying <a href="https://www.healthline.com/health/how-to-get-rid-of-cigarette-breath#1-brush-teeth">cause of halitosis</a>. So if you want sweeter breath, pack in the cigarettes – yet another good reason to give up.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/231858/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/dan-baumgardt-1451396">Dan Baumgardt</a>, Senior Lecturer, School of Physiology, Pharmacology and Neuroscience, <a href="https://theconversation.com/institutions/university-of-bristol-1211">University of Bristol</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/take-my-bad-breath-away-causes-of-halitosis-and-how-to-check-whether-you-have-it-231858">original article</a>.</em></p> </div>

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Why do airlines charge so much for checked bags? This obscure rule helps explain why

<p><em><a href="https://theconversation.com/profiles/jay-l-zagorsky-152952">Jay L. Zagorsky</a>, <a href="https://theconversation.com/institutions/boston-university-898">Boston University</a></em></p> <p>Five out of the six <a href="https://www.oag.com/blog/biggest-airlines-in-the-us">biggest U.S. airlines</a> have <a href="https://www.cnbc.com/2024/03/05/delta-is-the-latest-airline-to-raise-its-checked-bag-fee.html">raised their checked bag fees</a> since January 2024.</p> <p>Take American Airlines. In 2023, it cost US$30 to check a standard bag in with the airline; <a href="https://www.usatoday.com/story/travel/airline-news/2024/02/20/american-airlines-bag-fees-mileage-earning/72669245007/">today, as of March 2024, it costs $40</a> at a U.S. airport – a whopping 33% increase.</p> <p>As a <a href="https://www.bu.edu/questrom/">business school</a> <a href="https://www.bu.edu/questrom/profile/jay-zagorsky/">professor who studies travel</a>, I’m often asked why airlines alienate their customers with baggage fees instead of bundling all charges together. <a href="https://www.vox.com/2015/4/16/8431465/airlines-carry-on-bags">There are</a> <a href="https://www.usatoday.com/story/travel/columnist/2023/06/21/bag-fees-will-stay-a-while-cruising-altitude/70338849007/">many reasons</a>, but an important, often overlooked cause is buried in the U.S. tax code.</p> <h2>A tax-law loophole</h2> <p>Airlines pay the federal government <a href="https://www.ecfr.gov/current/title-26/chapter-I/subchapter-D/part-49/subpart-D">7.5% of the ticket price</a> when <a href="https://www.pwc.com/us/en/services/tax/library/aircraft-club-nov-2023-air-transport-excise-tax-rates-for-2024.html">flying people domestically, alongside other fees</a>. The airlines dislike these charges, with their <a href="https://www.airlines.org/dataset/government-imposed-taxes-on-air-transportation/">trade association arguing</a> that they boost the cost to the consumer of a typical air ticket by around one-fifth.</p> <p>However, the U.S. Code of Federal Regulations <a href="https://www.ecfr.gov/current/title-26/chapter-I/subchapter-D/part-49/subpart-D/section-49.4261-8">specifically excludes baggage</a> from the 7.5% transportation tax as long as “the charge is separable from the payment for the transportation of a person and is shown in the exact amount.”</p> <p>This means if an airline charges a combined $300 to fly you and a bag round-trip within the U.S., it owes $22.50 in tax. If the airline charges $220 to fly you plus separately charges $40 each way for the bag, then your total cost is the same — but the airline only owes the government $16.50 in taxes. Splitting out baggage charges saves the airline $6.</p> <p>Now $6 might not seem like much, but it can add up. Last year, passengers took <a href="https://www.transtats.bts.gov/Data_Elements.aspx?Data=1">more than 800 million trips on major airlines</a>. Even if only a fraction of them check their bags, that means large savings for the industry.</p> <p>How large? The government has <a href="https://www.bts.dot.gov/topics/airlines-and-airports/baggage-fees-airline-2023">tracked revenue from bag fees</a> for decades. In 2002, airlines charged passengers a total of $180 million to check bags, which worked out to around 33 cents per passenger.</p> <p>Today, as any flyer can attest, bag fees are a lot higher. Airlines collected over 40 times more money in bag fees last year than they did in 2002.</p> <p>When the full data is in for 2023, <a href="https://www.bts.dot.gov/baggage-fees">total bag fees</a> will likely top $7 billion, which is about $9 for the average domestic passenger. <a href="https://viewfromthewing.com/the-real-reason-airlines-charge-checked-bag-fees-and-its-not-what-you-think">By splitting out the cost of bags</a>, airlines avoided paying about half a billion dollars in taxes just last year.</p> <p>In the two decades since 2002, flyers paid a total of about $70 billion in bag fees. This means separately charging for bags saved airlines about $5 billion in taxes.</p> <p><iframe id="88MYD" class="tc-infographic-datawrapper" style="border: none;" src="https://datawrapper.dwcdn.net/88MYD/2/" width="100%" height="400px" frameborder="0"></iframe></p> <p>It seems clear to me that tax savings are one driver of the unbundling of baggage fees because of a quirk in the law.</p> <p>The U.S. government doesn’t apply the 7.5% tax to <a href="https://www.ecfr.gov/current/title-26/chapter-I/subchapter-D/part-49/subpart-D/section-49.4261-3">international flights that go more than 225 miles</a> beyond the nation’s borders. Instead, there are fixed <a href="https://www.airlines.org/dataset/government-imposed-taxes-on-air-transportation">international departure and arrival taxes</a>. This is why major airlines charge $35 to $40 <a href="https://www.aa.com/i18n/travel-info/baggage/checked-baggage-policy.jsp">for bags if you’re flying domestically</a>, but don’t charge a bag fee when you’re flying to Europe or Asia.</p> <h2>Do travelers get anything for that money?</h2> <p>This system raises an interesting question: Do baggage fees force airlines to be more careful with bags, since customers who pay more expect better service? To find out, I checked with the Bureau of Transportation Statistics, which has been <a href="https://www.bts.gov/content/mishandled-baggage-reports-filed-passengers-largest-us-air-carriersa">tracking lost luggage for decades</a>.</p> <p>For many years, it calculated the number of mishandled-baggage reports per thousand airline passengers. The government’s data showed mishandled bags peaked in 2007 with about seven reports of lost or damaged luggage for every thousand passengers. That means you could expect your luggage to go on a different trip than the one you are taking about once every 140 or so flights. By 2018, that estimate had fallen to once every 350 flights.</p> <p>In 2019, the government <a href="https://www.bts.gov/topics/airlines-and-airports/number-30a-technical-directive-mishandled-baggage-amended-effective-jan">changed how it tracks</a> mishandled bags, calculating figures based on the total number of bags checked, rather than the total number of passengers. The new data show about six bags per thousand checked get lost or damaged, which is less than 1% of checked bags. Unfortunately, the data doesn’t show improvement since 2019.</p> <p>Is there anything that you can do about higher bag fees? Complaining to politicians probably won’t help. In 2010, two senators <a href="https://www.nj.com/business/2010/04/us_senators_present_bill_to_ba.html">tried to ban bag fees</a>, and their bill went nowhere.</p> <p>Given that congressional action failed, there’s a simple way to avoid higher bag fees: <a href="https://www.cnn.com/travel/article/packing-expert-travel-world-handbag/index.html">travel light</a> and <a href="https://www.nytimes.com/2023/07/08/opinion/carry-on-packing-airlines-lost-luggage.html">don’t check any luggage</a>. It may sound tough not to have all your belongings when traveling, but it might be the best option as bag fees take off.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/225857/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/jay-l-zagorsky-152952">Jay L. Zagorsky</a>, Associate Professor of Markets, Public Policy and Law, <a href="https://theconversation.com/institutions/boston-university-898">Boston 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-airlines-charge-so-much-for-checked-bags-this-obscure-rule-helps-explain-why-225857">original article</a>.</em></p>

Travel Trouble

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Is hyaluronic acid as effective as skincare brands claim?

<p><em><a href="https://theconversation.com/profiles/lian-liu-1459225">Lian Liu</a>, <a href="https://theconversation.com/institutions/university-of-surrey-1201">University of Surrey</a></em></p> <p>Hyaluronic acid has become a huge buzzword in the beauty industry, with everything from creams and cleansers to shampoos containing it. Often, these products are marketed to consumers with the promise that hyaluronic acid will boost hydration – important for keeping the skin looking its best.</p> <p><a href="https://www.frontiersin.org/articles/10.3389/fvets.2019.00192/full">Hyaluronic acid</a> is ubiquitous in our organs and tissues, playing a crucial role in the function of our cells and tissues.</p> <p>Hyaluronic acid has been in clinical use for decades, for example, as an injectable between joints to help <a href="https://pubmed.ncbi.nlm.nih.gov/31294035/">lubricate cartilage</a>. But at the turn of the century, cosmetic companies began using it as a moisturising ingredient in cosmetic products.</p> <p>Topically, it’s thought that hyaluronic acid works by holding and retaining water molecules in order to <a href="https://www.sciencedirect.com/science/article/abs/pii/S014181301833770X">hydrate the skin</a> and restore elasticity, preventing wrinkles. When combined with sunscreen, hyaluronic acid may be capable of protecting the skin against ultraviolet radiation as it has <a href="https://doi.org/10.1016/j.ijbiomac.2018.09.188">antioxidant properties</a> (meaning it prevents damage caused by oxidising agents, such as ultraviolet radiation).</p> <p>One of the most frequent marketing claims used to sell hyaluronic acid is the long-held belief that hyaluronic acid holds 1,000 times its weight in water. This means it can maintain moisture and reduce moisture loss.</p> <p>But this claim has been called into question recently, with <a href="https://www.newscientist.com/article/2418345-benefits-of-hyaluronic-acid-in-skincare-products-have-been-oversold/">numerous publications</a> recently discussing <a href="https://www.dailymail.co.uk/health/article-13140853/Benefits-hyaluronic-acid-skincare-oversold.html">the findings</a> of a <a href="https://chemrxiv.org/engage/chemrxiv/article-details/64b5b086b053dad33a6cdcaf">pre-print paper</a> which suggests this claim is not true.</p> <p>The authors of the pre-print, researchers from the University of California, looked into the molecule-binding properties of hyaluronic acid and water to test the claim that it can hold 1,000 times its weight in water.</p> <p>To do this, the researchers created a solution containing 1g of hyaluronic acid and 1,000g of water (0.1% of hyaluronic acid), which was compared with just water. They then applied heat to both solutions, measuring the thermal changes that occurred. They found that there was not much difference in the changes that occurred in the 0.1% hyaluronic acid solution compared with the pure water. They therefore concluded that the long-held claim is not true.</p> <p>These findings may have consumers wondering how well their hyaluronic acid products actually work if it doesn’t hydrate the skin as much as previously claimed.</p> <h2>How hyaluronic acid works</h2> <p>While there’s no disputing the experimental results obtained, the conclusion on hyaluronic acid’s water-holding capacity is not applicable to all forms of hyaluronic acids.</p> <p>Hyaluronic acid comes in different molecular sizes. This pre-print only looked at one medium-sized hyaluronic acid molecule in their experiments. This means the results may only be true for products containing medium and smaller sized hyaluronic acid molecules.</p> <p>When hylauronic acid interacts with water, its water-loving and water-hating parts lead to electrostatic repulsion. This enables large numbers of hyaluronic acid molecules to <a href="https://onlinelibrary.wiley.com/doi/abs/10.1111/j.1468-3083.2004.01180.x">form networks</a>, which look a bit like honeycombs, and expand.</p> <p>The larger the hyaluronic acid’s molecule size, the more capable it is of forming these honeycomb structures – and also the more able it is to retain water relative to its own weight.</p> <p>Hyaluronic acid with larger molecular sizes will form these networks at a concentration of 0.1%, meaning it can hold 1,000 times its own weight in water. Some very large molecules will even form these networks at a <a href="https://pubmed.ncbi.nlm.nih.gov/2012600/">concentration as low as 0.05%</a>. This means it can hold 2,000 times its weight in water.</p> <p>It’s also worth noting that hyaluronic acid doesn’t just hold moisture and hydrate the skin. Because of its <a href="https://onlinelibrary.wiley.com/doi/abs/10.1111/j.1468-3083.2004.01180.x">hydrating and antioxidant effects</a>, it also promotes cell regeneration and stimulates collagen production. So hyaluronic acid’s benefits go beyond its ability to retain water.</p> <p>Although this paper may have partially debunked one popular claim about hyaluronic acid’s moisturising abilities, that doesn’t mean you should stop using it. The research still shows there’s no doubt about hyaluronic acid’s moisturising abilities, which can leave skin softer, smoother and with fewer wrinkles. Plus, hyaluronic acid’s antioxidant effects promote the growth of new skin cells and collagen.</p> <p>But if you want to make sure you’re getting the most effective product possible, look for one containing multiple weights of hyaluronic acid molecules (sometimes labelled as “triple weight”, “multiweight” or “multi-molecular weight”). Also look for a product containing a minimum hyaluronic acid concentration of 0.1%.</p> <p>This is because research suggests products containing a <a href="https://onlinelibrary.wiley.com/doi/full/10.1111/jocd.14981">formulation of multiple sizes</a> of hyaluronic acid molecules could be more beneficial for skin than formulations containing only one molecule size. This is partly due to smaller molecules permeating skin better, while the larger ones hold more water.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/224906/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><a href="https://theconversation.com/profiles/lian-liu-1459225"><em>Lian Liu</em></a><em>, Reader, School of Chemistry and Chemical Engineering, <a href="https://theconversation.com/institutions/university-of-surrey-1201">University of Surrey</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/is-hyaluronic-acid-as-effective-as-skincare-brands-claim-224906">original article</a>.</em></p>

Beauty & Style

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Hamish Blake shares major health scare

<p dir="ltr">Hamish Blake has shared the details of a drastic health that resulted in surgery and a series of stitches on his face. </p> <p dir="ltr">The TV presenter took to Instagram to share the news with his followers, revealing that he had to have a skin cancer cut from his forehead. </p> <p dir="ltr">While he was quick to make a joke about the procedure, calling it a “mini-facelift”, he followed up with a serious message for his followers.</p> <p dir="ltr">Sharing a close-up photo of the stitches in his forehead, he wrote: “Got a mini facelift! I love it!”</p> <p dir="ltr">“I’m doing the other side in a few weeks. #love #tinylift #bitbybit.”</p> <p dir="ltr">But in the second photo, he wrote, “OK not really ... This is my reminder to anyone who needs it (ie: everyone) to get your skin checked every six months.”</p> <p dir="ltr">He added, “By the way, everything is totally fine, but glad she got caught very early).”</p> <p dir="ltr">After a particularly harsh summer, Hamish Blake joins a long line of celebs who have battled skin cancers, while reminding Aussies to keep on top of their routine skin checks. </p> <p dir="ltr"><a href="https://oversixty.com.au/health/caring/hugh-jackman-s-health-scare" target="_blank" rel="noopener">Hugh Jackman</a> had two biopsies after doctors became concerned that he may have skin cancers on his nose.</p> <p dir="ltr">While the tests came back clear, the Hollywood legend issued a warning to his followers, saying if his scare “reminds even one person to put on sunscreen with a high SPF, then I’m happy.”</p> <p dir="ltr">Journalist and news presenter <a href="https://oversixty.com.au/health/caring/deb-knight-urges-influencers-to-stop-glorifying-tanning" target="_blank" rel="noopener">Deb Knight</a> also issued a recent warning about “glorifying tanning” after sharing the results of her annual skin check up. </p> <p dir="ltr">Knight shared a series of photos showing the sun damage on her skin, writing, "Got off pretty lightly from my annual skin check. Just a few barnacles zapped but nothing serious this time round.” </p> <p dir="ltr">"Timely reminder to get your skin checked and protect it from the sun in the first place," she added, before tagging two melanoma treatment specialists and the Melanoma Institute Australia. </p> <p dir="ltr"><em>Image credits: Getty Images / Instagram</em></p>

Caring

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Sarah Ferguson makes first public appearance since skin cancer diagnosis

<p>Sarah Ferguson has made her first public appearance since her <a href="https://www.oversixty.com.au/health/caring/fergie-reveals-second-cancer-diagnosis" target="_blank" rel="noopener">skin cancer diagnosis</a> was announced almost two weeks ago. </p> <p>The Duchess of York made an unexpected appearance at the <em>Haute Living Celebrates The Haute 100</em> event in Miami, Florida on Monday. </p> <p>Fergie rocked a military-style black and white blazer over a black dress for the cocktail event, and appeared happier than ever as she posed for the cameras. </p> <p>The 64-year-old was pictured cuddling up to and interacting with fellow guests at the event. </p> <p>This comes just two weeks after the Duchess <a href="https://www.oversixty.com.au/health/caring/fergie-breaks-silence-amid-second-cancer-battle" target="_blank" rel="noopener">opened up</a> on her second cancer diagnosis in a year. </p> <p>"I have been taking some time to myself as I have been diagnosed with malignant melanoma, a form of skin cancer, my second cancer diagnosis within a year," she said in the Instagram post at the time.</p> <p>She also recently opened up on her recovery from breast cancer, following her mastectomy and reconstructive surgery.</p> <p>The Duchess expressed her gratitude to her two daughters Princess Beatrice and Princess Eugenie, for their constant support. </p> <p>"My two wonderful daughters are my wholehearted cheerleaders, my devoted champions and my soulmates, and they have been as supportive as can be, as they always are," she told <em>People magazine </em>at the time.</p> <p><em>Images: Getty </em></p> <p> </p>

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Your skin is a mirror of your health – here’s what yours might be saying

<p><em><a href="https://theconversation.com/profiles/dan-baumgardt-1451396">Dan Baumgardt</a>, <a href="https://theconversation.com/institutions/university-of-bristol-1211">University of Bristol</a></em></p> <p><a href="https://pubmed.ncbi.nlm.nih.gov/12095893/">Skin accounts for around 15% of our body mass</a>. It is the largest and most visible organ in the human body.</p> <p>Yet many of the skin’s functions are often overlooked. It’s a sunscreen, a shield from germs, a reservoir of <a href="https://pubmed.ncbi.nlm.nih.gov/28994020/">vitamin D</a> and a means of tightly regulating our body temperature.</p> <p>Being the most visible of our organs, the skin also offers us a view into the body tissues that it protects. So don’t think of your skin merely aesthetically – think of it as a reflection of your health. Disorders of the gut, blood, hormones and even the heart might first be seen on the skin in the form of a rash.</p> <p>Here are a few to look out for.</p> <h2>Bullseye</h2> <p>Ticks are pesky creatures that no one will want to return home from a country walk with.</p> <p>But while the vast majority of tick bites <a href="https://pubmed.ncbi.nlm.nih.gov/36116831/">won’t make you ill</a>, there is one rash that should prompt a visit to your doctor if you spot it.</p> <p>Erythema migrans, a rash named for its ability to rapidly expand across the skin, is a hallmark of <a href="https://www.bmj.com/content/369/bmj.m1041.long">Lyme disease</a>, a potentially severe bacterial illness. This rash forms a classic target pattern, like a bullseye on a dartboard.</p> <p>Be vigilant for a few weeks after being bitten to check this rash doesn’t make an appearance – especially if you noticed a red lump that wasn’t there before or if you had to remove a tick from your skin. You should also keep an eye out for other associated symptoms of Lyme disease – such as swinging temperatures, muscle and joint pains and headache.</p> <p>The condition is treated with antibiotics, which can prevent long-term complications, including chronic fatigue symptoms.</p> <h2>Purpura</h2> <p>Some rashes are given a <a href="https://linkinghub.elsevier.com/retrieve/pii/S1538-7836(22)01880-3">colourful namesake</a> – purpura is one such example. This rash’s name is derived from a mollusc which was used to make purple dye.</p> <p>Purpura refers to a rash of small purple or red dots. The cause is pooling of blood into a deeper layer of the skin (dermis). When pressed with a finger – or even better, the side of a glass – it refuses to blanch away.</p> <p>Purpura signals an issue with either the walls of the tiny blood vessels that feed the skin or the blood within them. This might be from a deficiency in platelets, the tiny cell fragments that allow blood to clot – perhaps from bone marrow failure, or an autoimmune condition where the body turns on itself and attacks its own cells.</p> <p>At worst, purpura may signal the life-threatening condition <a href="https://www.magonlinelibrary.com/doi/full/10.12968/hmed.2017.78.8.468">septicaemia</a>, where an infection has spread into the bloodstream – perhaps from the lungs, kidneys or even from the skin itself.</p> <h2>Skin spiders</h2> <p>Skin rashes can also take on <a href="https://pubmed.ncbi.nlm.nih.gov/32513406/">recognisable shapes</a>.</p> <p>Spider naevi represent an issue within skin arterioles (small arteries which supply the skin with blood). Arterioles open and close to control the loss of heat from the body’s surface. But sometimes they can get stuck open – and a spider-like pattern will appear.</p> <p>The open arteriole is the spider’s body, and the even tinier capillaries fanning out in all directions are the thready legs. Crush the body under a fingertip and the whole thing disappears, as your touch temporarily stops the blood flow.</p> <p>Often, these are benign and not associated with any specific condition – especially if you only have one or two. However, more than three suggest higher circulating levels of the <a href="https://dermnetnz.org/topics/spider-telangiectasis">hormone oestrogen</a>, often due to liver disease or from the hormonal changes seen in pregnancy. Treat the underlying cause, and the spiders often vanish with time – though they may persist or reappear later.</p> <h2>Black velvet</h2> <p>Changes to the folds of your skin (usually around the armpits or neck) – especially if it becomes thickened and velveteen to the touch – may suggest a condition known as <a href="https://onlinelibrary.wiley.com/doi/10.1111/jocd.13544">acanthosis nigricans</a>. This “black velvet” skin appearance is more commonly seen in darker skins.</p> <p>Usually, the condition is associated with <a href="https://pubmed.ncbi.nlm.nih.gov/29241752/">disorders of the metabolism</a> – namely type 2 diabetes and polycystic ovary syndrome. If either of these conditions are successfully treated, the rash may fade. In rare cases, it can also be a sign of <a href="https://www.hkmj.org/abstracts/v29n4/355.htm">stomach cancer</a>, which should be considered in patients with few or none of the key signs of metabolic disease (obesity and high blood pressure).</p> <h2>Butterfly rashes</h2> <p>Even disorders of the heart can be visible on the skin.</p> <p>Cardiac valves have the important role of correctly directing the journey of blood through the heart and preventing backflow. The valve between the chambers on the left side of the heart (the mitral valve – so called because of its resemblance to a bishop’s hat, or mitre) can sometimes become narrowed, causing the heart’s function to deteriorate. The body’s natural response is to preserve core blood volume, shutting off flow towards the skin.</p> <p>The net effect can produce a purple-red rash, high across the cheeks and the bridge of the nose, like the outstretched wings of a butterfly. We call this <a href="https://journals.sagepub.com/doi/10.1177/2050313X231200965?url_ver=Z39.88-2003&amp;rfr_id=ori:rid:crossref.org&amp;rfr_dat=cr_pub%20%200pubmed">mitral facies</a> which, depending on the extent of damage to the heart and great vessels, may persist despite treatment.</p> <p>It’s important to pay heed to your skin. It’s constantly talking to you, and any changes in its texture, colour or if new marks or patterns appear, may indicate something is going on beneath the surface.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/221937/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/dan-baumgardt-1451396">Dan Baumgardt</a>, Senior Lecturer, School of Physiology, Pharmacology and Neuroscience, <a href="https://theconversation.com/institutions/university-of-bristol-1211">University of Bristol</a></em></p> <p><em>Image credits: Getty Images</em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/your-skin-is-a-mirror-of-your-health-heres-what-yours-might-be-saying-221937">original article</a>.</em></p>

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Deb Knight urges Influencers to stop "glorifying tanning"

<p>Deborah Knight, 51, has spoken out against influencers who glorify tanning as she shared the results from her annual skin check. </p> <p>The TV and radio presenter, shared a series of photos showing the sun damage on her skin, as she reminded her followers to stay sun safe and get their skin checked. </p> <p>"Got off pretty lightly from my annual skin check. Just a few barnacles zapped but nothing serious this time round," she began in the caption. </p> <p>"Timely reminder to get your skin checked and protect it from the sun in the first place," she added, before tagging two melanoma treatment specialists and the Melanoma Institute Australia. </p> <p>She signed off the post with the hashtag #stopglorifyingtanning. </p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-captioned="" data-instgrm-permalink="https://www.instagram.com/p/C2n1Rtth20D/?utm_source=ig_embed&amp;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/C2n1Rtth20D/?utm_source=ig_embed&amp;utm_campaign=loading" target="_blank" rel="noopener">A post shared by Deborah Knight (@deborah_knight)</a></p> </div> </blockquote> <p>The <em>Money News </em>2GB<em> </em>host has regularly shared her skin journey and has previously opened up about the "true extent" of the "damaging effects of the sun" on <em>9Honey</em>.</p> <p>"As a blonde, fair-skinned child growing up by the beach, I resisted putting on zinc and sunscreen as much as my own children do now," she said in the interview in 2023. </p> <p>She added that she now has to pay the price and has to get her age spots frozen off every year. </p> <p>"I've had a Basal Cell Carcinoma surgically removed from the bridge of my nose, leaving a scar far worse than the damage it could have done if left untreated, possibly spreading and destroying skin, tissue, even bone," she said. </p> <p>She also spoke out about the influencers who glorify tanning. </p> <p>"These are often the same influencers who recommend spending a fortune on anti-ageing treatments and creams and serums, despite willingly exposing their skin to the most damaging ageing element there is – the harsh Aussie sun," she added. </p> <p>According to the <a href="https://melanomaresearch.com.au/about-melanoma/what-is-melanoma/" target="_blank" rel="noopener">Australian Melanoma Research Foundation</a>, one in 17 Australians will be diagnosed with skin cancer in their lifetimes, with melanoma reportedly the third most common cancer in the country, following prostate cancer in men and breast cancer in women.</p> <p><em>Images: Instagram</em></p>

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Sarah Ferguson diagnosed with malignant melanoma – here are the latest treatments for this increasingly common skin cancer

<p><em><a href="https://theconversation.com/profiles/sarah-allinson-137762">Sarah Allinson</a>, <a href="https://theconversation.com/institutions/lancaster-university-1176">Lancaster University</a></em></p> <p>News that Sarah Ferguson, the Duchess of York, has recently been diagnosed with malignant melanoma highlights the dangers of this increasingly common skin cancer.</p> <p>Malignant melanoma affects <a href="https://www.iarc.who.int/cancer-type/skin-cancer/">325,000 people worldwide</a> every year. While it’s not the most common form of skin cancer – typically, for every one diagnosed case of melanoma, up to ten non-melanoma skin cancers are diagnosed – it causes <a href="https://theconversation.com/skin-cancer-more-people-die-from-types-that-arent-melanoma-surprise-new-finding-215378">almost as many deaths</a>. The reason for this is because it’s far more likely to spread, or metastasise, to other sites in the body compared to non-melanoma skin cancers.</p> <p>Melanoma arises in a type of pigment-producing skin cell called a <a href="https://www.cancer.org/cancer/types/melanoma-skin-cancer/about/what-is-melanoma.html#:%7E:text=Melanoma%20is%20a%20type%20of,to%20grow%20out%20of%20control.">melanocyte</a>. These cells produce and export melanin in order to provide a protective layer in the skin which helps to screen out ultraviolet (UV) radiation.</p> <p>Mutations in genes that normally carefully regulate cell growth and survival override the controls that ensure the body only produces the cells it needs. The result is uncontrolled cellular growth, or a tumour, that normally appears as an unusual-looking mole.</p> <p>The mutations that drive the growth of a melanoma usually happen as a result of exposure to UV from the sun or from an artificial source, such as a tanning bed. We know this because when a melanoma’s genome is compared to that of a normal cell we can see a high number of mutations that have a <a href="https://www.nature.com/articles/s41586-020-1943-3">characteristic “UV signature”</a>. For this reason, melanoma skin cancers occur most frequently in people who have light-coloured skin and who are exposed to high amounts of UV.</p> <p>Non-melanoma skin cancers are also mainly caused by exposure to UV but arise from a different kind of skin cell called a keratinocyte. These are the cells that normally make up the majority of the outer part of our skin, called the epidermis. Cancers that arise from keratinocytes are less likely to spread than those that come from melanocytes – although <a href="https://www.cancerresearchuk.org/health-professional/cancer-statistics/statistics-by-cancer-type/non-melanoma-skin-cancer#heading-One">they can still be fatal</a>.</p> <p>In the duchess’s case, the melanoma was discovered during treatment for breast cancer. Her dermatologist recommended that some moles be removed for biopsy during breast reconstruction surgery. After testing, one was identified as malignant melanoma.</p> <p>If the results of the biopsy show that the cancer hasn’t spread, then like the majority of patients with melanoma, the duchess will be treated with surgery. In this case the tumour will be removed along with some of the surrounding normal skin.</p> <p>The amount of normal skin removed depends on the results of the biopsy – in particular, how deep into the skin the tumour has penetrated (called the <a href="https://www.macmillan.org.uk/cancer-information-and-support/melanoma/staging-of-melanoma">Breslow thickness</a>). The normal skin will be checked for any signs that cancerous cells might have spread out of the tumour.</p> <p>For most people diagnosed with melanoma, particularly if it’s at an early stage, <a href="https://www.ncbi.nlm.nih.gov/books/NBK481850/">surgery will cure the cancer</a> and they will be able to go on with their lives. But for around <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC8544364/">20% of patients</a>, additional treatment will be needed. This happens if their cancer has spread further into the body or if their cancer can’t be treated surgically. The <a href="https://ascopubs.org/doi/10.1200/OP.21.00686">good news</a> for these patients is that the past decade has seen huge improvements in treatment.</p> <p>Previously the only options other than surgery were radiotherapy or non-specific chemotherapy treatments. These treatments work by affecting the ability of cells to copy their DNA, which prevents them from duplicating and causes fast-growing cancer cells to die. But because these also affect the patient’s normal cells, they were accompanied by severe side effects – and were often ineffective.</p> <p>But we now have a better understanding of the specific changes melanoma makes to cell growth pathways. This has led to the development of drugs, such as <a href="https://www.cancer.gov/news-events/cancer-currents-blog/2022/fda-dabrafenib-trametinib-braf-solid-tumors">dabrafenib</a> and <a href="https://pubchem.ncbi.nlm.nih.gov/compound/Trametinib">trametinib</a>, that specifically target cells with these altered pathways. In other words, they only target the cancerous cells.</p> <p>These drugs are much more effective and have fewer side effects than traditional chemotherapies – although about half of patients who initially respond to them relapse within a year. In these patients a few of the tumour cells survive by activating other pathways for growth and use these to <a href="https://acsjournals.onlinelibrary.wiley.com/doi/full/10.1002/cncr.30435">regrow the tumour</a>. Promisingly, <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC10417341/">a recent study</a> suggests that re-using these drugs after a period off them can have good results in relapsed patients.</p> <p>Another exciting development in the treatment of malignant melanoma has been the use of immunotherapies. These involve harnessing the patient’s own immune system to fight the tumour.</p> <p>One particularly successful immunotherapy approach for melanoma involves the use of drugs called checkpoint inhibitors. These prevent cancer cells from being able to hide from the body’s immune system. A <a href="https://www.ejcancer.com/article/S0959-8049(23)00694-9/fulltext">recent report</a> has highlighted how the introduction of these treatments has led to improved survival for melanoma patients.</p> <p>Although the duchess’s skin cancer was discovered while she was being treated for breast cancer, it’s unlikely that the two are related. A more likely risk factor is the duchess’s famous red hair. People with red hair and pale skin that tends to freckle and burn in the sun are at a greater risk of developing skin cancer because their skin produces <a href="https://medlineplus.gov/genetics/gene/mc1r/#conditions">less melanin</a>. This means that their melanocytes are exposed to higher levels of UV and are more likely to undergo cancer-causing mutations.</p> <p>While melanoma is much more common in people with the duchess’s skin type, it’s important to be aware that anyone can get it. It’s a good idea to regularly check your skin for unusual looking moles and to contact a doctor for advice if you have a mole with any of the so-called <a href="https://www.cancerresearchuk.org/about-cancer/melanoma/symptoms">ABCDE characteristics</a>: such as an asymmetrical shape, irregular, blurred or jagged border, uneven colour, is more than 6mm wide and is evolving (either in size, texture or even bleeding).<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/221647/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/sarah-allinson-137762">Sarah Allinson</a>, Professor, Department of Biomedical and Life Sciences, <a href="https://theconversation.com/institutions/lancaster-university-1176">Lancaster University</a></em></p> <p><em>Image credits: Getty </em><em>Images </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/sarah-ferguson-diagnosed-with-malignant-melanoma-here-are-the-latest-treatments-for-this-increasingly-common-skin-cancer-221647">original article</a>.</em></p>

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Could you cope with a shock to your bank balance? 5 ways to check you are financially resilient

<p><em><a href="https://theconversation.com/profiles/bomikazi-zeka-680577">Bomikazi Zeka</a>, <a href="https://theconversation.com/institutions/university-of-canberra-865"><em>University of Canberra</em></a></em></p> <p>Imagine the dentist has just said you urgently need a A$2,000 dental crown. A week later, a pipe in your bathroom bursts, causing $8,000 worth of damage. Suddenly, you’ve been hit with a $10,000 financial shock.</p> <p>As the cost-of-living crisis plunges more households into financial uncertainty and at least <a href="https://melbourneinstitute.unimelb.edu.au/data/taking-the-pulse-of-the-nation-2022/2023/australians-face-challenging-budgetary-constraints#:%7E:text=Over%20the%20past%20six%20months,has%20increased%20to%2060%20percent.">one-third</a> of Australians struggle to make ends meet, it’s more important than ever to ask yourself: how financially resilient am I?</p> <p>Being financially resilient means you aren’t left financially devastated when an expensive emergency creeps up on you. Here are five key signs of financial resilience.</p> <h2>1. You have a plan for what you’d do if you suddenly lost your salary</h2> <p>Financial resilience means having a plan to fall back on during tough times. This extends to how you’d make money if you lost your job.</p> <p>In practice, that means things like making sure your skills and contacts are kept up to date so you can more easily find a new job. You might also consider whether a “side hustle” job such as tutoring could work for you in the short term, and how you’d put that plan into practice if needed. Perhaps you have a spare room in your home you could rent out for a period of time if you lost your salary.</p> <p>Those examples won’t work for everyone, of course, but it’s still worth asking yourself the question: what would I do if I lost my salary tomorrow?</p> <h2>2. You have enough liquid assets to meet an unexpected financial expense</h2> <p>Liquid assets means money that can be accessed quickly and easily to overcome an unplanned financial expense. Savings are a good example. They provide a buffer so you can cope in the short term if a financial shock strikes. The federal government’s Moneysmart website suggests you aim to have enough in your emergency savings fund to cover <a href="https://moneysmart.gov.au/saving/save-for-an-emergency-fund">three months of expenses</a>.</p> <p>Having an <a href="https://moneysmart.gov.au/glossary/offset-account">offset account</a> as part of a mortgage is another option that provides a buffer. Putting money in an offset account helps you save while reducing the amount of interest on a home loan. You can still access the money in an offset account at any time.</p> <h2>3. You have bought the right financial products, such as insurance</h2> <p>Financial products, such as insurance, hedge against potential losses.</p> <p>Personal insurance is important because it provides income in the event of death, illness or injury. Examples include:</p> <ul> <li> <p>life insurance (which pays out to your beneficiaries, such as your partner or children, when you die)</p> </li> <li> <p>total and permanent disability insurance (which means you may get some money if you acquire a disability that prevents you from working)</p> </li> <li> <p>income protection (which provides you with an income if you can no longer work)</p> </li> <li> <p>trauma cover (which covers a life-changing illness or injury, such as cancer or a stroke).</p> </li> </ul> <p>Check if your superannuation has any of these insurances included in it. <a href="https://www.griffith.edu.au/__data/assets/pdf_file/0030/295770/FPRJ-V4-ISS1-pp-53-75-insurance-literacy-in-australia.pdf">Research</a> has found that many Australians are underinsured.</p> <h2>4. You can still pay your debts when times are tough</h2> <p>Being able to borrow money can help when you’re in a tight spot. But knowing where to borrow from, how much to borrow and how to manage debt repayments is crucial.</p> <p>Financially resilient people use debt responsibly. That means:</p> <ul> <li> <p>not using debt for frivolous expenses like after-work drinks</p> </li> <li> <p>staying away from private money lenders</p> </li> <li> <p>being cautious about buy-now-pay-later services</p> </li> <li> <p>watching out for debts with high interest rates, such as payday loans and credit card debt</p> </li> <li> <p>maintaining debt repayments consistently.</p> </li> </ul> <p>If you’re having debt problems, talk to your lender about renegotiating your repayment arrangements, or contact the <a href="https://ndh.org.au/">National Debt Helpline</a> on 1800 007 007.</p> <h2>5. You are financially literate</h2> <p>Being financially literate means you can assess the benefits and risks of using savings or taking out debt to meet an unplanned financial need.</p> <p>As I have <a href="https://theconversation.com/are-you-financially-literate-here-are-7-signs-youre-on-the-right-track-202331">written</a> before on The Conversation, key signs of financial literacy include tracking your cashflow, building a budget, as well as understanding what debts you have and which to pay first.</p> <p>It also means storing your money across different places (such as superannuation, savings accounts, property and the share market) and understanding how financial assets like cash, shares and bonds work.</p> <p>Being aware of your financial strengths and weaknesses, and having financial goals is also important.</p> <p>Nobody is born knowing how to make sound financial decisions; it’s a skill that must be learned.</p> <p>It’s good to think about the resources you would draw upon to help get yourself out of a difficult financial situation – well before disaster strikes.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/218126/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><a href="https://theconversation.com/profiles/bomikazi-zeka-680577"><em>Bomikazi Zeka</em></a><em>, Assistant Professor in Finance and Financial Planning, <a href="https://theconversation.com/institutions/university-of-canberra-865">University of Canberra</a></em></p> <p><em>Image credits: Getty Images</em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/could-you-cope-with-a-shock-to-your-bank-balance-5-ways-to-check-you-are-financially-resilient-218126">original article</a>.</em></p>

Money & Banking

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"I just don't like old skin": Jane Fonda's bizarre confession

<p>Jane Fonda has made an unusual confession about her dating life, explaining why she would only date people of a certain age. </p> <p>The Hollywood legend, 85, has been married three times throughout her life: first to director Roger Vadim from 1965 to 1973, then to activist Tom Hayden from 1973 to 1990, and finally to CNN founder Ted Turner from 1991 to 2001.</p> <p>Fonda is currently single, but doesn't plan on staying that way. </p> <p>Despite being open to finding love, the actress has a very specific criteria for potential suitors to meet before agreeing to a date. </p> <p>On the <em>Absolutely Not</em> podcast, the Oscar winner initially suggested she was done with men for good, saying, “I’m done, I’m over, I’m [almost] 86 years old, even in the dark I wouldn’t want to be naked in front of anybody.” </p> <p>But she then went on to confess that there’s still a chance she could fall for a man, but they would just have to be substantially younger. </p> <p>“And here’s another thing, I’m ashamed to say this, if I were to take a lover, he’d have to be 20. Because I don’t like old skin,” said Fonda.</p> <p>She continued, “And consequently, I don’t want to foist that on anybody else. I assume other people are like me, I just don’t like old skin.”</p> <p>“I disapprove of 86-year-old men with 20-year-old women, so I’m not going to repeat it. I can ogle them, and I can’t pretend that I don’t get turned on if I see a certain kind of a person, but no, no, no, I don’t want to force that on anybody.”</p> <p>Her confession has been criticised on social media, with some suggesting the star would be “cancelled” if it was a man that had said the same about young women. </p> <p>“This is seriously weird,” tweeted one fan, while another said: “But an 85 year old man wanting to date a 20 year old woman is disgusting? Am I right?”</p> <p><em>Image credits: Getty Images </em></p>

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"They checked the lungs": Jackie O rushed to hospital mid-show

<p>Radio star Jackie O Henderson, known for her vibrant presence on the airwaves, has faced a serious health scare that led to her being rushed to Sydney’s Royal North Shore Hospital in the middle of the Kyle and Jackie O show. The 48-year-old opened up about the incident, revealing details of the tests and emotions she experienced during this unexpected hospital visit.</p> <p>Jackie O's health ordeal unfolded during a live segment on her KIIS FM radio show,  where she left the show abruptly, citing symptoms akin to a heart attack, including tingling down her arm – a classic indicator of cardiac distress.</p> <p>Upon arriving at the hospital, Jackie O underwent a battery of urgent tests, ranging from an ECG to a CAT scan. Speaking to her concerned listeners the next morning, she highlighted the professionalism and dedication of the hospital staff, emphasising the seriousness with which they approached her situation.</p> <p>“I just got a bunch of tests done all day and they have to go all out on everything so I had to get an ECG done," she explained. “Then they checked the lungs because those are the two things that cause chest pains. They take it super seriously, and they were incredible at the hospital.”</p> <p>Despite the initial concerns, Jackie O shared the relief of being given the all-clear by the hospital. Surprisingly, her symptoms were attributed to an infection rather than cardiac issues.</p> <p>Even in the midst of health concerns, Jackie O found moments of levity during her hospital stay. She humorously recounted an encounter with a man who, even in a post-anaesthesia haze, was able to recognise her.</p> <p>“He looks at me and he locks eyes with me and gives me this puzzled look of recognition," she recounted. "I’m laughing so much because I’ve never seen someone bewildered so much in my life.” </p> <p>Henderson said the man then looked at another man resting on the other side of her before he “turned to me and said, ‘Is that Kyle?’”</p> <p>Jackie O had recently undergone surgery to remove a uterine polyp, a procedure she <a href="https://www.oversixty.com.au/health/body/john-laws-hangs-up-in-disgust-on-kyle-and-jackie-o" target="_blank" rel="noopener">infamously shared with her audience</a>. The lack of sleep post-surgery, combined with the impact of melatonin tablets and energy drinks, likely contributed to her overall fatigue and health episode.</p> <p> </p>

Caring

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Michael Clarke reveals serious health scare

<p>Michael Clarke has opened up about a terrifying health scare, which left him needing surgery. </p> <p>The former Australian cricket captain has spoken candidly about discovering a dangerous basal cell carcinoma in his chest, which left him 27 stitches after surgery to remove it. </p> <p>The 42-year-old said being diagnosed with cancer was a major wake up call. </p> <p>“It does scare me,” Clarke told <a href="https://www.dailytelegraph.com.au/entertainment/sydney-confidential/michael-clarke-reveals-skin-cancer-battle-after-spending-years-playing-cricket/news-story/5fd388960c6113c7461479522bd18c9d?amp&nk=5bc945873ffec79da7263488711d2aab-1699400816" target="_blank" rel="noopener"><em>The Daily Telegraph</em></a>.</p> <p>“I am a dad ... I don’t want to go anywhere. The most important thing in the world is making sure I help my seven-year-old daughter (Kelsey Lee) and I guess set a good example for her."</p> <p>“To me, making sure I am putting sunscreen on so she can see it is not just me getting her to do it, it is dad doing it as well.”</p> <p>Clarke has had a number of cancers removed since his first diagnosis in 2006, and just last year had a skin cancer removed from his forehead. </p> <p>His extensive history of skin cancer could be a result of spending a lot of time in the sun over his 115 Tests and 245 one-day internationals for Australia, as Clarke pointed out. </p> <p>For that reason, he has recently joined the Australian Skin Cancer Foundation as a national ambassador.</p> <p>“I am excited to partner with the Australian Skin Cancer Foundation to not only spread the word on skin safety, but to help share the importance of sun protection, getting checked and remembering prevention is better than cure,” Clarke said in a statement.</p> <p>“I know first-hand how important these factors are and I am passionate about raising awareness on this vital subject."</p> <p>“Everyone needs to be aware of the danger of the sun all around the world, but particularly in this country. This is not just about being safe, this is about saving lives.”</p> <p><em>Image credits: Getty Images</em></p>

Caring

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Name that rash: 6 common skin conditions (and how to treat them)

<p><strong>Psoriasis</strong></p> <p><span style="text-decoration: underline;"><em>What psoriasis is like:</em></span> Psoriasis is made of red, scaly plaques that can be itchy and painful. It can show up anywhere but is most commonly found on the scalp, as well as the outside of the elbows and knees. It usually starts between age 10 and 30 and tends to be a chronic condition. “It’s a stubborn disease that waxes and wanes, so people have it for their whole lives,” says dermatologist Paul Cohen.</p> <p><span style="text-decoration: underline;"><em>What causes psoriasis:</em></span> This skin rash is the result of your immune system attacking the skin’s cells, and creating new ones too quickly, which then build up into the plaques. There’s no one single cause, but the condition runs in families. Stress, obesity, smoking and having many infections (particularly strep throat) increase your risk.</p> <p><span style="text-decoration: underline;"><em>How to treat psoriasis:</em></span> The first step is generally topical steroids, which can be used for a week or two at a time to clear up the plaques. For ongoing treatment, people use a synthetic form of vitamin D (which slows skin growth), medicated shampoos and retinoids (a topical version of vitamin A). Daily exposure to sunlight also seems to help, as does moisturising well. For more serious cases, options include oral medications that suppress the immune system and phototherapy done in a doctor’s office with a special light. (Discover more applications of light therapy.)</p> <p><span style="text-decoration: underline;"><em>Possible red flag:</em></span> Serious cases can involve the joints, a condition called psoriatic arthritis. Also, psoriasis increases your chances of having some other diseases, including type 2 diabetes, cardiovascular disease and autoimmune conditions such as Crohn’s – all of which are, like psoriasis, linked to inflammation.</p> <p><strong>Hives</strong></p> <p><span style="text-decoration: underline;"><em>What hives are like:</em></span> Hives are itchy, raised welts that often have a red ring around them. Their most salient characteristic is that they disappear after about a day, only to show up later in a different location. They come in two forms: acute, which lasts six weeks or less, and chronic.</p> <p><span style="text-decoration: underline;"><em>What causes hives:</em></span> Hives are often the result of the body releasing histamine as part of an allergic reaction to drugs, food or some other irritant. They also commonly appear after a viral illness, as a side effect of your immune system revving up to battle the disease. “There are a number of potential triggers,” says dermatologist Katie Beleznay. In most cases, she adds, the specific origin is never determined.</p> <p><span style="text-decoration: underline;"><em>How to treat hives:</em></span> Since hives are a histamine reaction, over-the-counter antihistamines are the first line of defence. If that doesn’t clear them up, ask a doctor if you should use a stronger antihistamine or oral prednisone, an anti-inflammatory medication.</p> <p><span style="text-decoration: underline;"><em>Possible red flag:</em></span> Rarely, people suffer from ongoing outbreaks of hives almost daily for six weeks or more, a condition called chronic idiopathic urticaria (CIU). The treatment for CIU is the same as for regular hives, but in some cases, it can also be a sign of an underlying thyroid disease or cancer.</p> <p><strong>Eczema</strong></p> <p><span style="text-decoration: underline;"><em>What eczema is like:</em></span> Eczema presents as patches of red, scaly skin that are extremely itchy, especially at night. These rashes often appear on the inside of your elbows and knees. If it’s more serious, the skin might blister or look thickened and white in those areas.</p> <p><span style="text-decoration: underline;"><em>What causes eczema:</em></span> Eczema is the result of having a weakened skin barrier, which can lead to inflammation and an overreaction from your immune system. Most people are born with it, and your genes are partly to blame. “You’re more predisposed to eczema if you have a family history of asthma, hay fever or the condition itself,” says Lisa Kellett, a dermatologist in Toronto. Some research also suggests that it might be a reaction to pollution, or to not being exposed to enough germs in childhood. (Kids who have dogs, for example, are less likely to have eczema.)</p> <p><span style="text-decoration: underline;"><em>How to treat eczema:</em></span> For general maintenance, apply a thick, hypoallergenic moisturizer to affected areas immediately after a bath or shower and at night. More serious flares will need topical prescription steroid creams or non-steroid immunosuppressant creams. People with stubborn eczema might also try phototherapy, which uses UVB light to help calm your immune system and reduce itchiness.</p> <p><span style="text-decoration: underline;"><em>Possible red flag:</em></span> Rarely, what looks like eczema is actually skin cancer, as both can appear red and scaly. “The difference with skin cancer is that it doesn’t go away if you use a steroid,” says Kellett.</p> <p><strong>Contact Dermatitis</strong></p> <p><span style="text-decoration: underline;"><em>What contact dermatitis is like:</em></span> Contact dermatitis is a variation of eczema, and it looks similar – red, itchy patches on your skin. But unlike that chronic condition, this skin rash is a reaction to something specific and appears only where the offending object has made contact. “Poison ivy, for instance, will show up as a streak where the branch touched the skin,” says Beleznay.</p> <p><span style="text-decoration: underline;"><em>What causes contact dermatitis:</em></span> Besides poison ivy, other common culprits that can cause the immune system to go into overdrive are face cream, jewellery or fragrances. You can also develop a new intolerance to something you’ve used for a long time, such as Polysporin. If it’s not clear what caused it, your dermatologist can do a patch test, putting small amounts of suspected substances on your skin to see if you react.</p> <p><span style="text-decoration: underline;"><em>How to treat contact dermatitis:</em></span> Contact dermatitis is treated with topical steroids, or a stronger oral one, to calm down your immune system and stop the reaction.</p> <p><span style="text-decoration: underline;"><em>Possible red flag:</em></span> Like eczema, the red and scaly presentation of contact dermatitis could be confused for skin cancer, which is another reason to visit your doctor if you’re not sure what caused it.</p> <p><strong>Rosacea</strong></p> <p><span style="text-decoration: underline;"><em>What rosacea is like:</em></span> As rosacea is a dilation of the blood vessels in your cheeks and nose, it often presents as red, sensitive skin in those places. Another form of the condition also includes bumps that resemble acne. For some people, the skin on their nose thickens, making it appear larger.</p> <p><span style="text-decoration: underline;"><em>What causes rosacea:</em></span> We don’t know what brings rosacea on, but, as with eczema, you’re more likely to have it if others in your family do, too. You’re also prone to acquire the condition if you have sun-damaged skin. “Rosacea usually begins around the age of 35 and gets worse with time,” says Kellett. People often find their flare-ups come after eating or drinking specific things.</p> <p><span style="text-decoration: underline;"><em>How to treat rosacea:</em></span> For many, preventing activation of their rosacea is as simple as avoiding triggers – but that’s easier than it sounds and can be a serious test of a sufferer’s willpower. “Those are often the good things in life,” says Beleznay, citing coffee, spicy foods and alcohol as common aggravators. Some women find that everyday makeup is enough to cover up the cosmetic impact of the condition, while others use prescription creams or laser or light therapy to constrict the blood vessels in the cheeks and reduce redness. For those whose rosacea includes bumps, topical creams or oral antibiotics often get rid of them.</p> <p><span style="text-decoration: underline;"><em>Possible red flag:</em></span> Rarely, what looks like rosacea can be confused for the butterfly rash that’s a symptom of lupus, a serious autoimmune disease. The butterfly rash is named as such because of the shape it makes on the nose and both cheeks.</p> <p><strong>Shingles</strong></p> <p><span style="text-decoration: underline;"><em>What shingles is like:</em></span> Shingles normally starts out as a tingly, numb or bruised feeling in a small area, most commonly a patch on the abdomen. A few days later, a painful skin rash with blisters appears over those places. As the condition follows the path of a nerve, the rash eventually presents as a stripe that lasts from two to six weeks.</p> <p><span style="text-decoration: underline;"><em>What causes shingles:</em></span> This one’s easy: chicken pox. Even once you have fully recovered from that virus, your body never totally beats it; it simply retreats and lies dormant in your nerve cells, where, decades later, it can re-erupt as shingles. You’re more likely to get them if you’re immunocompromised or over 50, the age at which most public health agencies recommend you get the vaccine.</p> <p><span style="text-decoration: underline;"><em>How to treat shingles:</em></span> If you suspect you have shingles, see your doctor immediately. “You have to go right away because studies show that people do much better if the antiviral pills are started within 72 hours of the rash onset,” says Cohen. Additionally, sufferers are often given medication, like a local anaesthetic or codeine, to help control the pain.</p> <p><span style="text-decoration: underline;"><em>Possible red flag:</em></span> The real worry with shingles is that for some people, if it is not contained quickly, the virus can lead to longer-term pain lasting over three months and in some cases over a year. If the skin rash appears on the face, it can even cause blindness.</p> <p><em>Image credits: Getty Images</em></p> <p><em>This article originally appeared on <a href="https://www.readersdigest.com.au/healthsmart/name-that-rash-6-common-skin-conditions-and-how-to-treat-them" target="_blank" rel="noopener">Reader's Digest</a>. </em></p>

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