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Five common habits that might be harming your liver

<div class="theconversation-article-body"> The liver is one of the hardest working organs in the human body. It detoxifies harmful substances, helps with digestion, stores nutrients, and regulates metabolism. Despite its remarkable resilience – and even its ability to regenerate – the liver is not indestructible. In fact, many everyday habits, often overlooked, can slowly cause damage that may eventually lead to serious conditions <a href="https://www.nhs.uk/conditions/cirrhosis/">such as cirrhosis</a> (permanent scarring of the liver) or liver failure. One of the challenges with liver disease is that it can be a silent threat. In its early stages, it may cause only vague symptoms like constant fatigue or nausea. As damage progresses, more obvious signs may emerge. <a href="https://britishlivertrust.org.uk/information-and-support/liver-health-2/symptoms-of-liver-disease/">One of the most recognisable</a> is jaundice, where the skin and the whites of the eyes turn yellow. While most people associate liver disease with heavy drinking, alcohol isn’t the only culprit. Here are five common habits that could be quietly harming your liver. <h2>1. Drinking too much alcohol</h2> Alcohol is perhaps the most well-known cause of liver damage. When you drink, your liver works to break down the alcohol and clear it from your system. But too much alcohol overwhelms this process, causing toxic by products to build up and damage liver cells. Alcohol-related liver disease <a href="https://britishlivertrust.org.uk/lyl-alcohol-and-the-liver/">progresses in stages</a>. At first, fat begins to accumulate in the liver (fatty liver), often without any noticeable symptoms and reversible if drinking stops. Continued drinking can lead to <a href="https://www.nhs.uk/conditions/alcohol-related-liver-disease-arld/">alcoholic hepatitis</a>, where inflammation and scar tissue begin to form as the liver attempts to heal itself. Over time, this scarring can develop into cirrhosis, where extensive hardening of the liver seriously affects its ability to function. While cirrhosis is difficult to reverse, stopping drinking can help prevent further damage. Even moderate drinking, if sustained over many years, can take its toll, particularly when combined with other risk factors like obesity or medication use. Experts recommend sticking to <a href="https://www.nhs.uk/live-well/alcohol-advice/calculating-alcohol-units/">no more than 14 units of alcohol</a> per week, and including alcohol-free days to give your liver time to recover. <h2>2. Poor diet and unhealthy eating habits</h2> You don’t need to drink alcohol to develop liver problems. Fat can build up in the liver due to an unhealthy diet, leading to a condition now called <a href="https://www.hopkinsmedicine.org/health/conditions-and-diseases/nonalcoholic-fatty-liver-disease">metabolic dysfunction-associated steatotic liver disease</a> (MASLD), formerly known as non-alcoholic fatty liver disease (NAFLD). Excess fat in the liver can impair its function and, over time, cause inflammation, scarring, and eventually cirrhosis. People who are overweight – particularly those who carry excess weight around their abdomen – are more likely to develop MASLD. <a href="https://www.hopkinsmedicine.org/health/conditions-and-diseases/nonalcoholic-fatty-liver-disease">Other risk factors include</a> high blood pressure, diabetes and high cholesterol. <figure><iframe src="https://www.youtube.com/embed/gZQ3VFHq17E?wmode=transparent&start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe></figure> Diet plays a huge role. Foods high in saturated fat, such as red meat, fried foods and processed snacks, can raise cholesterol levels and contribute to liver fat accumulation. Sugary foods and drinks are also a major risk factor. In 2018, <a href="https://link.springer.com/article/10.1007/s00394-018-1711-4">a review found</a> that people who consumed more sugar sweetened drinks had a 40% higher risk of developing fatty liver disease. Ultra-processed foods such as fast food, ready meals and snacks packed with added sugar and unhealthy fats also contribute to liver strain. <a href="https://www.sciencedirect.com/science/article/pii/S000291652366188X#sec6">A large study found</a> that people who ate more processed foods were significantly more likely to develop liver problems. On the flip side, eating a balanced, wholefood diet can help prevent – and even reverse – fatty liver disease. <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC9370227/">Research suggests</a> that diets rich in vegetables, fruit, whole grains, legumes, and fish may reduce liver fat and improve related risk factors such as high blood sugar and cholesterol. Staying hydrated is also important. Aim for around eight glasses of water a day to support your liver’s natural detoxification processes. <h2>3. Overusing painkillers</h2> <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC10645398/">Many people turn to</a> over-the-counter painkillers such as paracetamol for headaches, muscle pain, or fever. While generally safe when used as directed, taking too much – even slightly exceeding the recommended dose – can be <a href="https://bpspubs.onlinelibrary.wiley.com/doi/10.1111/bcp.13656#:%7E:text=As%20the%20toxic%20metabolite%20of,predispose%20patients%20to%20liver%20injury.">extremely dangerous</a> for your liver. The liver breaks down paracetamol, but in the process, produces a toxic by-product called NAPQI. Normally, the body neutralises NAPQI using a <a href="https://pubchem.ncbi.nlm.nih.gov/compound/Glutathione">protective substance called glutathione</a>. However, in an overdose, glutathione stores become depleted, allowing NAPQI to accumulate and attack liver cells. This can <a href="https://britishlivertrust.org.uk/researchers-shed-new-light-paracetamol-causes-liver-damage/#:%7E:text=Paracetamol%20is%20an%20effective%20treatment,came%20out%20worse%20than%20Britain.">result in acute liver failure</a>, which can be fatal. Even small overdoses, or <a href="https://cks.nice.org.uk/topics/analgesia-mild-to-moderate-pain/management/paracetamol/">combining paracetamol with alcohol</a>, can increase the risk of serious harm. Always stick to the recommended dose and speak to a doctor if you find yourself needing pain relief regularly. <h2>4. Lack of exercise</h2> A sedentary lifestyle is another major risk factor for liver disease. Physical inactivity contributes to weight gain, insulin resistance, and metabolic dysfunction – all of which can promote fat accumulation in the liver. The good news is that exercise can benefit your liver even if you don’t lose much weight. <a href="https://gut.bmj.com/content/gutjnl/60/9/1278.full.pdf">One study found</a> that just eight weeks of resistance training reduced liver fat by 13% and improved blood sugar control. Aerobic exercise is <a href="https://liver.org.au/news/exercise-for-fatty-liver-disease-has-benefits-beyond-weight-loss/#:%7E:text=%E2%80%9CExercise%20can%20benefit%20liver%20health%20by%20reducing,physical%20strength%20and%20body%20composition%2C%E2%80%9D%20she%20says.&text=To%20reduce%20liver%20fat%2C%20it's%20recommended%20that,of%20at%20least%20moderate%20intensity%20aerobic%20exercise.">also highly effective</a>: regular brisk walking for 30 minutes, five times a week, has been shown to reduce liver fat and improve insulin sensitivity. <h2>5. Smoking</h2> Most people associate smoking with lung cancer or heart disease, but many don’t realise the <a href="https://www.journal-of-hepatology.eu/article/S0168-8278(22)00029-0/fulltext">serious damage</a> it can do to the liver. Cigarette smoke contains thousands of toxic chemicals that <a href="https://britishlivertrust.org.uk/information-and-support/living-with-a-liver-condition/stopping-smoking/">increase the liver’s workload</a> as it tries to filter and break them down. Over time, this can lead to <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC4088100/">oxidative stress</a>, where unstable molecules (free radicals) damage liver cells, restrict blood flow, and contribute to scarring (cirrhosis). Smoking also significantly raises the risk of liver cancer. <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC8683172/">Harmful chemicals</a> in tobacco smoke, including nitrosamines, vinyl chloride, tar, and 4-aminobiphenyl, are <a href="https://www.healthline.com/health/cancer/what-is-a-carcinogen#bottom-line">all known carcinogens</a>. <a href="https://www.cancerresearchuk.org/about-cancer/liver-cancer/risks-causes">According to Cancer Research UK</a>, smoking accounts for around 20% of liver cancer cases in the UK. <h2>Love your liver</h2> The liver is a remarkably robust organ – but it isn’t invincible. You can protect it by drinking alcohol in moderation, quitting smoking, taking medications responsibly, eating a balanced diet, staying active and keeping hydrated. If you notice any symptoms that may suggest liver trouble, such as ongoing fatigue, nausea, or jaundice, don’t delay speaking to your doctor. The earlier liver problems are detected, the <a href="https://britishlivertrust.org.uk/information-and-support/love-your-liver/free-liver-scan/#:%7E:text=Finding%20liver%20disease%20early%20means,t%20give%20anyone%20a%20diagnosis.&text=Liver%20scans%20are%20also%20available,to%20check%20your%20liver%20health.">better the chance of successful treatment</a>.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/256921/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> By <a href="https://theconversation.com/profiles/dipa-kamdar-1485027">Dipa Kamdar</a>, Senior Lecturer in Pharmacy Practice, <a href="https://theconversation.com/institutions/kingston-university-949">Kingston University</a> This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/five-common-habits-that-might-be-harming-your-liver-256921">original article</a>. Pexels / Andrea Piacquadio </div>

Body

Forming new habits can take longer than you think. Here are 8 tips to help you stick with them

<div class="theconversation-article-body"> If you’ve ever tried to build a new habit – whether that’s exercising more, eating healthier, or going to bed earlier – you may have heard the popular claim that it only takes 21 days to form a habit. It’s a neat idea. Short, encouraging and full of promise. But there’s just one problem: it’s not true. The 21-day myth can be traced back to <a href="https://www.amazon.com/gp/product/0671700758/ref=as_li_qf_sp_asin_il_tl?ie=UTF8&camp=1789&creative=9325&creativeASIN=0671700758&linkCode=as2&tag=jamesclear-20&linkId=6DQ32IRAG3LU4PKA">Maxwell Maltz</a>, a plastic surgeon in the 1960s, who observed it took about three weeks for his patients to adjust to physical changes. This idea was later picked up and repeated in self-help books, eventually becoming accepted wisdom. But as psychologists and behavioural scientists have since discovered, habit formation is <a href="https://www.scientificamerican.com/article/how-long-does-it-really-take-to-form-a-habit/">much more complex</a>. <h2>How long does it really take?</h2> A <a href="https://onlinelibrary.wiley.com/doi/10.1002/ejsp.674">2010 study</a> followed volunteers trying to build simple routines – such as drinking water after breakfast or eating a daily piece of fruit – and found it took a median of 66 days for the behaviour to become automatic. We recently <a href="https://www.mdpi.com/2227-9032/12/23/2488">reviewed several studies</a> looking at how long it took people to form health-related habits. We found, on average, it took around two to five months. Specifically, the studies that measured time to reach automaticity (when a behaviour becomes second nature) found that habit formation took between 59 and 154 days. Some people developed a habit in as few as four days. Others took nearly a year. This wide range highlights that habit formation isn’t one-size-fits-all. It depends on what the behaviour is, how often it’s repeated, how complex it is, and who’s doing it. <h2>What determines whether a habit will stick?</h2> Habit strength plays a key role in consistency. A <a href="https://www.frontiersin.org/journals/psychology/articles/10.3389/fpsyg.2021.626750/full">2021 systematic review</a> focused on physical activity and found the stronger the habit (meaning the more automatic and less effortful the behaviour felt) the more likely people were to exercise regularly. It’s not entirely surprising that easy, <a href="https://bjgp.org/content/62/605/664">low-effort behaviours</a> such as drinking water or taking a daily vitamin tend to form faster than complex ones like training for a marathon. But whatever the habit, <a href="https://www.nature.com/articles/s44159-024-00305-0">research shows</a> sticking to it is not just about boosting motivation or willpower. Interventions that actively support habit formation – through repetition, cues and structure – are much more effective for creating lasting change. For example, programs that encourage people to schedule regular exercise at the same time each day, or apps that send reminders to drink water after every meal, help build habits by making the behaviour easier to repeat and harder to forget. Our <a href="https://www.mdpi.com/2227-9032/12/23/2488">research</a>, which drew on data from more than 2,600 people, showed habit-building interventions can make a real difference across a range of behaviours – from flossing and healthy eating to regular exercise. But what stood out most was that even small, everyday actions can grow into powerful routines, when repeated consistently. It’s not about overhauling your life overnight, but about steadily reinforcing behaviours until they become second nature. <h2>8 tips for building lasting habits</h2> If you’re looking to build a new habit, here are some science-backed tips to help them stick: <ol> <li> Give it time. Aim for consistency over <a href="https://www.mdpi.com/2227-9032/12/23/2488">60 days</a>. It’s not about perfection – missing a day won’t reset the clock. </li> <li> <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC3505409/">Make it easy</a>. Start small. Choose a behaviour you can realistically repeat daily. </li> <li> Attach your new habit <a href="https://www.mdpi.com/2227-9032/12/23/2488">to an existing routine</a>. That is, make the new habit easier to remember by linking it to something you already do – such as flossing right before you brush your teeth. </li> <li> <a href="https://www.tandfonline.com/doi/full/10.1080/0144929X.2020.1801840">Track your progress</a>. Use a calendar or app to tick off each successful day. </li> <li> Build in <a href="https://www.sciencedirect.com/science/article/pii/S2212267215011181?casa_token=-VKsr03fXOUAAAAA:pKV0oAB5VVuj8RcPAW5T7prjo3efSVpi6P6TXFoeTLHBX_vFK0ttF6tFM9-8Fp6o45XPu_lcij5d">rewards</a>, for example making a special coffee after a morning walk or watching an episode of your favourite show after a week of consistent workouts. Positive emotions help habits stick, so celebrate small wins. </li> <li> Morning is best. Habits practised <a href="https://psycnet.apa.org/doiLanding?doi=10.1037%2Fhea0000510">in the morning</a> tend to form more reliably than those attempted at night. This may be because people typically have more motivation and fewer distractions earlier in the day, making it easier to stick to new routines before daily demands build up. </li> <li> Personal choice boosts success. People are more likely to stick with habits <a href="https://www.frontiersin.org/journals/psychology/articles/10.3389/fpsyg.2020.00560/full">they choose themselves</a>. </li> <li> <a href="https://onlinelibrary.wiley.com/doi/abs/10.1002/ejsp.674">Repetition</a> in a stable context is key. Performing the same behaviour in the same situation (such as walking right after lunch each day) increases the chances it will become automatic. </li> </ol> <h2>Why the 21-day myth matters</h2> Believing habits form in 21 days sets many people up to fail. When change doesn’t “click” within three weeks, it’s easy to feel like you’re doing something wrong. This can lead to frustration, guilt and giving up entirely. By contrast, understanding the real timeline can help you stay motivated when things feel slow. Evidence shows habit formation usually takes at least two months, and sometimes longer. But it also shows change is possible. Our <a href="https://www.mdpi.com/2227-9032/12/23/2488">research</a> and <a href="https://bjgp.org/content/62/605/664">other evidence</a> confirm that repeated, intentional actions in stable contexts really do become automatic. Over time, new behaviours can feel effortless and deeply ingrained. So whether you’re trying to move more, eat better, or improve your sleep, the key isn’t speed – it’s consistency. Stick with it. With time, the habit will stick with you.<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/255118/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> By <a href="https://theconversation.com/profiles/ben-singh-1297213">Ben Singh</a>, Research Fellow, Allied Health & Human Performance, <a href="https://theconversation.com/institutions/university-of-south-australia-1180">University of South Australia</a> and <a href="https://theconversation.com/profiles/ashleigh-e-smith-201327">Ashleigh E. Smith</a>, Associate Professor, Healthy Ageing, <a href="https://theconversation.com/institutions/university-of-south-australia-1180">University of South Australia</a> This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/forming-new-habits-can-take-longer-than-you-think-here-are-8-tips-to-help-you-stick-with-them-255118">original article</a>. Image: Shuttertock </div>

Mind

AFL star's wife spends wedding anniversary in hospital amid cancer battle

AFL star Jeremy Finlayson's wife Kellie Finlayson has revealed she's had a bit of a setback with her health and is spending her second wedding anniversary in hospital. The 29-year-old is battling terminal stage four bowel cancer that metastasised in her lungs. She took to Instagram to share the update from her hospital bed, with a picture of the happy couple showing off their rings on their wedding day, and an updated photo of herself in the ward, with the caption: "Happy anniversary darl. Two years ago V. Today!" "Happy anniversary to me," she added, using a crying with laughter emoji and a bandaged love heart emoji. The AFL star shared his own anniversary message with an Instagram story, writing: "Happy anniversary <3" Kellie did not explain why she was hospitalised. The couple tied the knot back in March 2023 in South Australia. Kellie, who is a mother-of-one, was diagnosed with bowel cancer at the age of 25. She previously opened up about her diagnosis on the Nova podcast Head Game, and shared just how hard her chemotherapy treatment was. "I lost a s--t ton of weight. I mean, I had a stoma, so I had a foreign object on my stomach. I wasn't the normal mum that she should have had, but I was as good as I possibly could be. It was hard," she said at the time. "I was allergic to one of the strands of that chemotherapy, which is why, when I did relapse, I had to change chemotherapy, which meant I lost my hair. "I was on my deathbed. I was getting anaphylactic reactions every three weeks to this chemotherapy. So I was essentially dying every three weeks, just to get better." Image: Instagram

Caring

"Un-Australian": Aussies called out over "selfish" summer habit

Australians have been called out for taking part in a "selfish" summer trend that has left many people fuming. The trend began as many erupted over the increase use of beach cabanas and "reserving" spaces on the sand, which then led to similar behaviour at campsites and carparks. Eager Aussies would set up a cabana or rope off a campsite and leave their belongings behind, only to return a matter of hours later and still have their spot reserved. One of Australia's leading etiquette experts, Jo Hayes, spoke to <a href="https://au.news.yahoo.com/aussies-called-out-over-selfish-summer-trend-taking-over-car-parks-and-campsites-un-australian-055035070.html" target="_blank" rel="noopener">Yahoo News</a> on the matter, and said the "poor" trend is "reflective of a general societal decline". She argued such acts are "bad form" and even branded them "un-Australian". It turns out the "reservations" aren't exclusive to beaches or campsites, as one woman was recently photographed standing in the middle of a car park at Balmoral Beach in Sydney, in a bid to deter others from seizing the spot, arguing her "husband was coming soon". Hayes said the "only people who have the right to do such reserving" are the local council/regulators in charge of that area, adding, "It's not fair." "There are ways that one can reserve the best, desired spots, that align with common decency and proper etiquette," Hayes said. "This is the way things were done in previous generations. Get to the venue early, claim your spot and set up your gear, then stay there — you must have at least one person staying with the claimed spot." "If you've taken the time to get there ahead of others — all power to you. Well done. But you don't have the right to lay down a blanket, or cordon off an area with your own self-made sign, and then choof off." Hayes said that when in doubt, apply the golden rule of thumb: Do unto others as you would have them do unto you. "The average Joe doesn't have the right to 'reserve' a spot and leave," she reiterated. "If a group wants to have an event at a council park, they can contact local council to officially reserve the spot. Council puts up a sign stating that the area is reserved for an event. One can't just put up their own sign." Image credits: Facebook

Travel Trouble

Man reveals what it's like to spend 25 years at sea

Mario Salcedo has mastered life at sea, living on cruise ships for 25 years and completing his 1,000th voyage with Royal Caribbean. Salcedo, also known as "Super Mario" in cruise circles revealed that he spends around $101,000 on on cruises per year for a cabin with a balcony. The senior funds his ocean-bound lifestyle through investment management work. His loyalty to Royal Caribbean has earned him some recognition among the crew, with some ships creating makeshift offices for him on deck, complete with cordoned-off tables, chairs and signs reading "Super Mario's Office". Salcedo spoke about his love for cruising in an interview with allthingscruise.com. "Cruising never gets old," he began. "I'm so used to being on ships that it feels more comfortable to me than being on land." The full-time cruiser began his life at sea after "tiring of the suit-and-tie business world and the long flights to international clients." The Cuban-born businessman went on his first cruise in 1997 and became hooked since then. In 2000 he began living on Royal Caribbean ships, spending only a few days per year on land, and taking a short 15 month break during the Covid pandemic. Salcedo said he spends about five hours a day working and "has fun" for the rest of it. "It's zero stress," he said. "The best lifestyle I can find." Image: Wayleebird / Shutterstock.com

International Travel

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

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/ashish-kumar-1056067">Ashish Kumar</a>, <a href="https://theconversation.com/institutions/rmit-university-1063">RMIT University</a> Once, borrowing money to make a purchase was a relatively tedious process, not a spur-of-the-moment thing. True, some stores offered lay-by plans that would let you pay for goods in instalments. But if they didn’t, and you didn’t already have a credit card, you’d have to go to a bank and apply for one. That would mean providing a range of supporting documents, negotiating an appropriate credit limit, and waiting for approval. It’s unlikely you’d apply for credit just for a single, small purchase. In recent years, though, the financial technology or “fintech” revolution in the customer credit market has changed all that, with the meteoric rise of buy-now-pay-later (BNPL) services. BNPL credit allows consumers to split their purchases into smaller, interest-free instalments. It is often directly integrated into online checkouts with fast approval, making it easy to purchase something instantly and spread the cost over coming months. There are some obvious risks. Many BNPL providers charge less visible fees, such as late payment fees and account maintenance fees. In many countries, the BNPL sector is also less regulated than traditional credit. But does it also change our spending habits? Our recent <a href="https://doi.org/10.1016/j.jretai.2024.09.004">research</a> uncovered a concerning insight: consumers who use BNPL services end up spending more money online than those who don’t. This effect is particularly strong among younger shoppers and those with lower incomes. <h2>Our research</h2> We <a href="https://doi.org/10.1016/j.jretai.2024.09.004">analysed</a> data from an online retailer in the Nordic region that offered customers three payment options for online purchases: card, pay on delivery and BNPL. We found that consumers who used BNPL spent an average of 6.42% more than those who didn’t. This increase was particularly noticeable for low-ticket items, suggesting that BNPL may encourage customers to buy more when shopping for smaller, everyday things. Why might this be the case? For one, BPNL spending is constrained by the size of the loans on offer. In the US, the average BNPL loan amount is <a href="https://files.consumerfinance.gov/f/documents/cfpb_consumer-use-of-buy-now-pay-later_2023-03.pdf">US$135</a> (A$217). It may also be related to what’s known in economics as the “<a href="https://www.theguardian.com/business/2008/dec/22/recession-cosmetics-lipstick">lipstick effect</a>”, where customers under financial strain tend to reduce spending on big-ticket items in favour of lower-priced luxuries. Selling such low-ticket items doesn’t always give online retailers the biggest profit margins. But it can play a crucial role in acquiring and retaining customers, and creating opportunities to upsell. Our research also showed that younger, lower-income customers were more likely to spend more when using BNPL services, likely because it provides them with additional “liquidity” – access to cash. <h2>Why might they be spending more?</h2> It’s easy to see why so many consumers like BNPL. Some even think of it as more of a way of payment than a form of credit. The core feature of such services - offering interest-free instalment payments for online purchases - has a significant psychological impact on customers. It leverages the principle that the perceived benefit of spending in the present outweighs the displeasure associated with future payments. This behaviour aligns with theories of “hyperbolic discounting” – our preference for smaller immediate rewards over larger later ones – and the related “<a href="https://www.behavioraleconomics.com/resources/mini-encyclopedia-of-be/present-bias/">present bias</a>” phenomenon. Our results also suggest customers with high category experience – that is, more familiar with the larger product categories carried by a retailer – and those more sensitive to deals and promotions are likely to spend more when online retailers provide BNPL as a payment option. <h2>A growing influence on spending</h2> The economic impact of BNPL is substantial in the countries that have pioneered its adoption. In Australia, birthplace of Afterpay, Zip, Openpay, and Latitude, it’s <a href="https://www.oxfordeconomics.com/wp-content/uploads/2022/10/AFIA_BNPL_Research_Report-1.pdf">estimated</a> that (allowing for flow-on effects) BNPL services contributed A$14.3 billion to gross domestic product (GDP) in the 2021 financial year. Industry research firm Juniper Research <a href="https://www.juniperresearch.com/press/pressreleasesbuy-now-pay-later-users-to-exceed-670-million-globally/">projects</a> the number of BNPL users will exceed 670 million globally by 2028, an increase of more than 100% on current levels. Substantial projected growth in the sector is attributed to multiple factors. These include increasing e-commerce usage, economic pressures, the flexibility of payment options and widespread adoption by merchants. <h2>Buyer, beware</h2> BNPL services can be a convenient way to pay for online purchases. But it’s important to use them responsibly. That means understanding the potential risks and benefits to make your own informed decisions. Be mindful of your spending. Don’t let the allure of easy payments let you get carried away. Customers should explore beyond the marketing tactics of interest-free split payments and pay close attention to terms and conditions, including any fees and penalties. They should treat BNPL like any other form of credit. Whether you’re a shopper considering using BNPL or a business thinking about offering it, our research highlights that it may have the power to significantly influence spending patterns – for better or worse.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/246686/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/ashish-kumar-1056067">Ashish Kumar</a>, Senior Lecturer, <a href="https://theconversation.com/institutions/rmit-university-1063">RMIT University</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/research-suggests-those-who-use-buy-now-pay-later-services-end-up-spending-more-246686">original article</a>. </div>

Money & Banking

Women spend more of their money on health care than men. And no, it’s not just about 'women’s issues'

<div class="theconversation-article-body"> <a href="https://theconversation.com/profiles/mike-armour-391382">Mike Armour</a>, <a href="https://theconversation.com/institutions/western-sydney-university-1092">Western Sydney University</a>; <a href="https://theconversation.com/profiles/amelia-mardon-1505419">Amelia Mardon</a>, <a href="https://theconversation.com/institutions/western-sydney-university-1092">Western Sydney University</a>; <a href="https://theconversation.com/profiles/danielle-howe-1492317">Danielle Howe</a>, <a href="https://theconversation.com/institutions/western-sydney-university-1092">Western Sydney University</a>; <a href="https://theconversation.com/profiles/hannah-adler-1533549">Hannah Adler</a>, <a href="https://theconversation.com/institutions/griffith-university-828">Griffith University</a>, and <a href="https://theconversation.com/profiles/michelle-oshea-457947">Michelle O'Shea</a>, <a href="https://theconversation.com/institutions/western-sydney-university-1092">Western Sydney University</a> Medicare, Australia’s <a href="https://www.health.gov.au/topics/medicare?language=und">universal health insurance scheme</a>, guarantees all Australians access to a wide range of health and hospital services at low or no cost. Although access to the scheme is universal across Australia (regardless of geographic location or socioeconomic status), one analysis suggests <a href="https://grattan.edu.au/news/healthcare-out-of-pocket-costs-an-agenda-for-international-womens-day/">women often spend more</a> out-of-pocket on health services than men. Other research has found men and women spend similar amounts on health care overall, or even that men spend <a href="https://www.publish.csiro.au/ah/pdf/AH18191">a little more</a>. However, it’s clear women spend a <a href="https://www.publish.csiro.au/ah/pdf/AH18191">greater proportion of their overall expenditure</a> on health care than men. They’re also more likely to <a href="https://grattan.edu.au/news/healthcare-out-of-pocket-costs-an-agenda-for-international-womens-day/">skip or delay medical care</a> due to the cost. So why do women often spend more of their money on health care, and how can we address this gap? <h2>Women have more chronic diseases, and access more services</h2> Women are <a href="https://www.abs.gov.au/statistics/health/health-conditions-and-risks/health-conditions-prevalence/latest-release">more likely</a> to have a chronic health condition compared to men. They’re also more likely to report having multiple chronic conditions. While men generally die earlier, women are more likely to spend more of their life <a href="https://www.thelancet.com/journals/lanpub/article/PIIS2468-2667(24)00053-7/fulltext">living with disease</a>. There are also some conditions which affect women more than men, such as <a href="https://theconversation.com/how-biological-differences-between-men-and-women-alter-immune-responses-and-affect-womens-health-208802">autoimmune conditions</a> (for example, multiple sclerosis and rheumatoid arthritis). Further, medical treatments can sometimes be <a href="https://aci.health.nsw.gov.au/__data/assets/pdf_file/0007/967984/CIU-Evidence-Brief-Gender-disparity-and-gender-equality-measures-in-health.pdf">less effective for women</a> due to a focus on men in medical research. These disparities are likely significant in understanding why women <a href="https://grattan.edu.au/news/healthcare-out-of-pocket-costs-an-agenda-for-international-womens-day/">access health services</a> more than men. For example, <a href="https://www.aihw.gov.au/reports/men-women/female-health/contents/access-health-care">88% of women</a> saw a GP in 2021–22 compared to <a href="https://www.aihw.gov.au/reports/men-women/male-health/contents/access-health-care">79% of men</a>. As the number of GPs <a href="https://practices.hotdoc.com.au/blog/the-decline-of-bulk-billing-and-its-impact-on-general-practice-in-australia/#:%7E:text=The%20Medicare%20rebate%20for%20patients,to%20ensure%20their%20financial%20sustainability.">offering bulk billing</a> continues to decline, women are likely to need to pay more out-of-pocket, because they <a href="https://www.aihw.gov.au/getmedia/32ea8a7f-50d5-4047-b70b-92dd63d387b8/aihw-phe239-240-factsheet.pdf.aspx">see a GP more often</a>. In 2020–21, <a href="https://www.aihw.gov.au/reports/men-women/female-health/contents/access-health-care">4.3% of women</a> said they had delayed seeing a GP due to cost at least once in the previous 12 months, compared to <a href="https://www.aihw.gov.au/reports/men-women/male-health/contents/access-health-care">2.7% of men</a>. Data from the <a href="https://www.abs.gov.au/statistics/health/health-services/patient-experiences/2020-21">Australian Bureau of Statistics</a> has also shown women are more likely to delay or avoid seeing a mental health professional due to cost. Women are also more likely to need prescription medications, owing at least partly to their increased rates of chronic conditions. This adds further out-of-pocket costs. In 2020–21, <a href="https://grattan.edu.au/news/healthcare-out-of-pocket-costs-an-agenda-for-international-womens-day/">62% of women</a> received a prescription, compared to 37% of men. In the same period, <a href="https://www.aihw.gov.au/reports/men-women/female-health/contents/access-health-care">6.1% of women</a> delayed getting, or did not get prescribed medication because of the cost, compared to <a href="https://www.aihw.gov.au/reports/men-women/male-health/contents/access-health-care">4.9% of men</a>. <h2>Reproductive health conditions</h2> While women are disproportionately affected by chronic health conditions throughout their lifespan, much of the disparity in health-care needs is concentrated between the first period and menopause. Almost <a href="https://www.jeanhailes.org.au/news/impact-of-pelvic-pain-vastly-underestimated">half of women</a> aged over 18 report having experienced chronic pelvic pain in the previous five years. This can be caused by conditions such as endometriosis, dysmenorrhoea (period pain), vulvodynia (vulva pain), and bladder pain. <a href="https://www.aihw.gov.au/news-media/media-releases/2023/2023-september/1-in-7-australian-women-aged-44-49-have-endometriosis">One in seven women</a> will have a diagnosis of endometriosis by age 49. Meanwhile, a quarter of all women aged 45–64 <a href="https://www.jeanhailes.org.au/research/womens-health-survey/menopause-in-australian-women">report symptoms</a> related to menopause that are significant enough to disrupt their daily life. All of these conditions can significantly reduce quality of life and increase the need to seek health care, sometimes including surgical treatment. Of course, conditions like endometriosis don’t just affect women. They also impact <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC10501128/">trans men</a>, intersex people, and those who are gender diverse. <h2>Diagnosis can be costly</h2> Women often have to wait <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC9518795/">longer to get a diagnosis</a> for chronic conditions. One <a href="https://www.medrxiv.org/content/10.1101/2023.10.12.23296976v2.full-text">preprint study</a> found women wait an average of 134 days (around 4.5 months) longer than men for a diagnosis of a long-term chronic disease. Delays in diagnosis often result in <a href="https://pubmed.ncbi.nlm.nih.gov/33004965/">needing to see more doctors</a>, again increasing the costs. Despite affecting about as many people as diabetes, it takes an average of between <a href="https://pubmed.ncbi.nlm.nih.gov/33050751/">six-and-a-half</a> to <a href="https://pubmed.ncbi.nlm.nih.gov/33004965/">eight years</a> to diagnose endometriosis in Australia. This can be attributed to a <a href="https://pubmed.ncbi.nlm.nih.gov/35928674/">number of factors</a> including society’s normalisation of women’s pain, poor knowledge about endometriosis among some health professionals, and the lack of affordable, non-invasive methods to accurately diagnose the condition. There have been recent improvements, with the introduction of <a href="https://www.health.gov.au/ministers/the-hon-mark-butler-mp/media/historic-medicare-changes-for-women-battling-endometriosis#:%7E:text=In%20addition%20to%20the%20specialised,with%20complex%20histories%20and%20symptoms.">Medicare rebates for longer GP consultations</a> of up to 60 minutes. While this is not only for women, this extra time will be valuable in diagnosing and managing complex conditions. But gender inequality issues still exist in the Medicare Benefits Schedule. For example, both pelvic and breast ultrasound rebates are <a href="https://womensagenda.com.au/latest/the-gender-medicare-gap-is-seeing-women-pay-more-for-ultrasounds-and-other-health-services/">less than a scan for the scrotum</a>, and <a href="https://www.endozone.com.au/treatment/MRI">no rebate</a> exists for the MRI investigation of a woman’s pelvic pain. <h2>Management can be expensive too</h2> Many chronic conditions, <a href="https://www.tandfonline.com/doi/full/10.1080/0167482X.2020.1825374?casa_token=yIlFZg_vJxsAAAAA%3ALwSa5DBMoDDWTiZsU1FC0MLLXkDd_eWBrGa2gr8b6NeRevp4ynlsTD_IMMYV_ek766j2P5C-B4Qy#d1e167">such as endometriosis</a>, which has a wide range of symptoms but no cure, can be very hard to manage. People with endometriosis often use allied health and <a href="https://onlinelibrary.wiley.com/doi/abs/10.1111/imj.15494?casa_token=1sc4ZMGvDjIAAAAA%3AIrIY2B-RNVDDnUPMSsHI4axnBiTv-omNDHGlNSpsrm_qbMGY9iQ4htIyco5mj-Qhd7krsp7rfHtcbQ">complementary medicine</a> to help with symptoms. On average, women are more likely than men to use both <a href="https://www.racgp.org.au/afp/2017/may/patterns-of-complementary-and-alternative-medi-2">complementary therapies</a> and <a href="https://www.aihw.gov.au/reports/primary-health-care/general-practice-allied-health-primary-care">allied health</a>. While women with chronic conditions can access a <a href="https://www.servicesaustralia.gov.au/chronic-disease-management-plan?context=20">chronic disease management plan</a>, which provides Medicare-subsidised visits to a range of allied health services (for example, physiotherapist, psychologist, dietitian), this plan only subsidises five sessions per calendar year. And the reimbursement is <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC9346321/">usually around 50% or less</a>, so there are still significant out-of-pocket costs. In the case of chronic pelvic pain, the cost of accessing allied or complementary health services has been found to average <a href="https://link.springer.com/article/10.1186/s12905-022-01618-z">A$480.32 across a two-month period</a> (across both those who have a chronic disease management plan and those who don’t). <h2>More spending, less saving</h2> Womens’ health-care needs can also perpetuate financial strain beyond direct health-care costs. For example, <a href="https://www.ncbi.nlm.nih.gov/pubmed/31600241">women with endometriosis</a> and chronic pelvic pain are often caught in a cycle of needing time off from work to attend medical appointments. Our <a href="https://www.researchsquare.com/article/rs-5480104/v1">preliminary research</a> has shown these repeated requests, combined with the common dismissal of symptoms associated with pelvic pain, means women sometimes face discrimination at work. This can lead to lack of career progression, underemployment, and premature retirement. Similarly, with <a href="https://www.superannuation.asn.au/wp-content/uploads/2024/03/ASFAResearch_ImpactofMenopauseOnRetirement_080324.pdf">160,000 women</a> entering menopause each year in Australia (and this number expected to increase with population growth), the <a href="https://www.aph.gov.au/Parliamentary_Business/Committees/Senate/Community_Affairs/Menopause/Report/Chapter_3_-_Impact_on_work_and_the_economic_consequences_of_menopause#:%7E:text=3.1This%20chapter%20explores%20the,on%20partners%20or%20family%20members.">financial impacts</a> are substantial. As many as <a href="https://www.superannuation.asn.au/wp-content/uploads/2024/03/ASFAResearch_ImpactofMenopauseOnRetirement_080324.pdf">one in four women</a> may either shift to part-time work, take time out of the workforce, or retire early due to menopause, therefore earning less and paying less into their super. <h2>How can we close this gap?</h2> Even though women are more prone to chronic conditions, until relatively recently, much of medical research has been <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC8812498/">done on men</a>. We’re only now beginning to realise important differences in how men and women experience certain conditions (such as <a href="https://www.annualreviews.org/content/journals/10.1146/annurev-neuro-092820-105941">chronic pain</a>). Investing in women’s health research will be important to improve treatments so women are less burdened by chronic conditions. In the 2024–25 federal budget, the government committed $160 million towards <a href="https://www.health.gov.au/ministers/the-hon-ged-kearney-mp/media/reforming-the-health-system-to-improve-sexual-and-reproductive-care">a women’s health package</a> to tackle gender bias in the health system (including cost disparities), upskill medical professionals, and improve sexual and reproductive care. While this reform is welcome, continued, long-term investment into women’s health is crucial.<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/243797/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/mike-armour-391382">Mike Armour</a>, Associate Professor at NICM Health Research Institute, <a href="https://theconversation.com/institutions/western-sydney-university-1092">Western Sydney University</a>; <a href="https://theconversation.com/profiles/amelia-mardon-1505419">Amelia Mardon</a>, Postdoctoral Research Fellow in Reproductive Health, <a href="https://theconversation.com/institutions/western-sydney-university-1092">Western Sydney University</a>; <a href="https://theconversation.com/profiles/danielle-howe-1492317">Danielle Howe</a>, PhD Candidate, NICM Health Research Institute, <a href="https://theconversation.com/institutions/western-sydney-university-1092">Western Sydney University</a>; <a href="https://theconversation.com/profiles/hannah-adler-1533549">Hannah Adler</a>, PhD Candidate, Health Communication and Health Sociology, <a href="https://theconversation.com/institutions/griffith-university-828">Griffith University</a>, and <a href="https://theconversation.com/profiles/michelle-oshea-457947">Michelle O'Shea</a>, Senior Lecturer, School of Business, <a href="https://theconversation.com/institutions/western-sydney-university-1092">Western Sydney University</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/women-spend-more-of-their-money-on-health-care-than-men-and-no-its-not-just-about-womens-issues-243797">original article</a>. </div>

Caring

The 15 best destinations to spend Christmas

While many people love to stay home and celebrate Christmas with family, there are always people who decide to spend their December travelling to experience the festive season around the globe. Especially for those in Australia and New Zealand who are accustomed to scorching temperatures over Christmas, many like to jet set and see what the festive season is like in colder climates. While every country gets into the festive spirit in different ways, there are specific locations that offer a tremendous holiday atmosphere to ensure you’re in the Christmassy mood, no matter where in the world you are. From England to the Philippines, there are 15 destinations that traditionally offer up some of the best holiday experiences for a Christmas-drenched vacation. Unsurprisingly, Santa’s unofficial home of Lapland in Finland is always a hotspot for Christmas travels. Finland takes festive celebrations to the next level, as children here make gingerbread cookies with Mrs. Claus, enroll in Elf School or take a calligraphy class, and compose their Christmas wish lists with a traditional quill. Visitors can also take photos with Santa, go on sled rides with reindeer, and meet baby polar bears in the Ranua Wildlife Park. Check out the entire top 15 list of best Christmas destinations below. 15. New York City, USA 14. Queenstown, New Zealand 13. Strasbourg, France 12. Salzburg and Oberndorf, Austria 11. San Miguel de Allende, Mexico 10. Quebec City, Canada 9. Malta 8. Nuremberg, Germany 7. Nairobi, Kenya 6. Barcelona, Spain 5. San Fernando, Philippines 4. Bath, England 3. Bethlehem, Pennsylvania, USA 2. Bogotá, Colombia 1. Rovaniemi, Lapland, Finland Image credits: Shutterstock

International Travel

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

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

Money & Banking

Readers response: If you could spend your retirement anywhere in the world, where would you go?

When it comes to retirement, many people decide to spend their golden years travelling the globe. Alternatively, others prefer to stay closer to come to spend valuable quality time with their closest friends and family. We asked our readers where they would spend their retirement if they could choose anywhere in the world, and the response was overwhelming. Here's what they said. Tracee Williams Mason - A cruise ship. Kay Little-Ohmsen - Right where I am. Sunshine Coast and have been for 48 years. Cheryl Barrett - On the Greek island of Naxos. Bruce Hopkins - Travelling around the world. Bob Holl - Cruising the Whitsunday Islands. Steve Tracy - Back to Japan where I spent the 25 happiest years of my life. Terry Dolman - Where I live in South Australia for half the year, Vietnam for the other half. Bev Martin - Florida. Sandra Tiplady Schellings - At the beach! Sonia Davis - Darwin. Sally O'Neill - European cruise and cruising around the Greek Isles. Image credits: Shutterstock

International Travel

We reviewed the health habits of centenarians. These 4 things could lead to a longer life

<div class="theconversation-article-body"> <a href="https://theconversation.com/profiles/zhaoli-dai-keller-1547476">Zhaoli Dai-Keller</a>, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a> and <a href="https://theconversation.com/profiles/perminder-sachdev-46869">Perminder Sachdev</a>, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a> The number of centenarians around the world rose from <a href="https://population.un.org/wpp/Download/Standard/Population/">151,000 in 2000</a> to 573,000 in 2021. People are living longer, and we can expect to see more people reach 100 in the years to come. Centenarians <a href="https://academic.oup.com/biomedgerontology/article/67A/4/395/623695">exemplify successful ageing</a>, often experiencing <a href="https://agmr.hapres.com/htmls/AGMR_1264_Detail.html">fewer chronic diseases</a> and maintaining independence in daily life well into their 90s. While <a href="https://link.springer.com/article/10.1186/s12979-016-0066-z">genetics contribute</a> to longevity, modifiable factors account for more than 60% <a href="https://pubmed.ncbi.nlm.nih.gov/14624729/">of successful aging</a>. But what sort of factors specifically contribute to living to 100? To find out, we reviewed lifestyle and health habits of centenarians and near-centenarians (those aged 95–99) worldwide. Our <a href="https://link.springer.com/article/10.1007/s11357-024-01247-4">recent review</a> included 34 observational studies published since 2000. Here are four key factors we found contribute to extreme longevity. <h2>1. A diverse diet with controlled salt intake</h2> Centenarians and near-centenarians typically had a balanced and diverse diet. We found, on average, they consumed between 57% and 65% of their energy intake from carbohydrates, 12% to 32% from protein, and 27% to 31% from fat. Their diets included staple foods (such as rice and wheat), fruits, vegetables, and protein-rich foods like poultry, fish and legumes, with moderate red meat consumption. This dietary pattern, similar to the <a href="https://pubmed.ncbi.nlm.nih.gov/29852087/">Mediterranean diet</a>, is linked to lower risks of <a href="https://doi.org/10.3390/ijerph14111364">physical function impairment</a> and <a href="https://pubmed.ncbi.nlm.nih.gov/31685303/">death</a>. Most centenarians also preferred a low-salt diet. While only one study in our review measured the mean daily sodium intake, finding 1.6 grams, this was within the <a href="https://www.who.int/data/gho/indicator-metadata-registry/imr-details/3082#:%7E:text=A%20salt%20intake%20of%20less,much%20more%20salt%20than%20recommended">World Health Organization’s</a> recommendation of less than 2g of sodium per day (equivalent to about 5g of salt). The <a href="https://pubmed.ncbi.nlm.nih.gov/20234038/">traditional Okinawan diet</a>, known for its consumption by Japanese centenarians on Okinawa Island, contains an estimated 1.1g of sodium. We found higher salt intake (those who preferred salty food or added extra salt to meals) had a 3.6-fold increased risk of physical function impairment compared to those without a preference for salt. Practically, these findings suggest we should include plenty of wholegrains, root vegetables, beans, legumes, fruits and vegetables in our diet, minimise red meat consumption and opt for lean poultry, fish, and plant-based protein, and monitor salt in our food. <h2>2. Lower medication use</h2> Centenarians are not free from chronic conditions but typically develop them much later than average adults. More than half of the people in our review experienced common issues such as hypertension (high blood pressure), dementia, or cognitive impairment. We found people in our review took an average of 4.6 medications. The most frequently used medications included blood pressure medications and drugs for heart disease. This is similar to the results of <a href="https://doi.org/10.3390/jcm9051563">a large health register-based study</a> in Spain, which found centenarians took an average of 4.9 medications. Non-centenarians in this study took 6.7 medications on average. The fact centenarians appear to take fewer medications may indicate better health with fewer medical conditions. However, data on medication use is often self-reported and so may not be entirely accurate, especially among those with cognitive impairment. <a href="https://www.thelancet.com/journals/lanhl/article/PIIS2666-7568(24)00007-2/fulltext">Polypharmacy</a> is often defined as taking five or more medications simultaneously, and is common in older adults. Inappropriate polypharmacy is associated with <a href="https://www.nia.nih.gov/news/dangers-polypharmacy-and-case-deprescribing-older-adults">increased risks</a> of adverse events such as falls, cognitive impairment and hospitalisation, due to harmful drug interactions. While the type or number of prescribed medications may not be within a patient’s control, it’s important for doctors to <a href="https://link.springer.com/article/10.1186/s12875-017-0642-0">prescribe medications</a> only when necessary, fully inform patients about benefits and risks, and regularly review treatment plans. <h2>3. Getting good sleep</h2> Sleep quality and quantity <a href="https://newsinhealth.nih.gov/2013/04/benefits-slumber">affect</a> the immune system, stress hormones, and cardiometabolic functions such as obesity, high blood pressure, and diabetes. Good <a href="https://academic.oup.com/biomedgerontology/article/74/2/204/4837199">sleep</a> is associated with extended years of good health and reduced risks of chronic diseases. In our review, 68% of the centenarians were satisfied with their sleep quality. In a survey of adults’ sleep satisfaction in 13 countries in 2020, sleep satisfaction ranged from <a href="https://www.statista.com/statistics/1233775/adults-worldwide-satisfied-sleep-country/">29% to 67%</a>. The <a href="https://academic.oup.com/biomedgerontology/article/74/2/204/4837199">optimal sleep duration</a> is between seven and eight hours per night. Tips to <a href="https://www.mayoclinic.org/healthy-lifestyle/adult-health/in-depth/sleep/art-20048379">achieving better sleep</a> include keeping a regular sleep routine, creating a restful environment, exercising regularly and managing stress. <h2>4. Living environment</h2> More than 75% of the centenarians and near-centenarians in our review lived in rural areas. This is a pattern reflected in “<a href="https://www.bluezones.com/">blue zones</a>”, areas known for high concentrations of centenarians, such as Okinawa in Japan, Sardinia in Italy, the Nicoya Peninsula in Costa Rica, and Ikaria in Greece. This may be partly related to the connection between nature and health and wellbeing. For example, <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC6562165/">exposure to green space</a> has been associated with lower stress, depression, blood pressure, type 2 diabetes and heart disease, potentially increasing <a href="https://doi.org/10.1016/j.envint.2023.107785">life expectancy</a>. <h2>Other important factors</h2> We didn’t look at all lifestyle factors associated with longevity in our review. Research also shows <a href="https://www.sciencedirect.com/science/article/abs/pii/S053155650700143X">not smoking</a>, <a href="https://jamanetwork.com/journals/jamanetworkopen/fullarticle/2802963">avoiding alcohol</a> or drinking moderately, staying <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC3618983/">physically active</a> and maintaining <a href="https://doi.org/10.1098/rspb.2019.1991">social connections</a> are important for boosting a person’s chances of living to 100. Of course, adopting the lifestyle changes discussed in this article won’t guarantee you’ll reach the ripe old age of 100. And on the flip side, some centenarians have shared <a href="https://theconversation.com/why-you-should-never-take-nutrition-advice-from-a-centenarian-229159">questionable</a> health habits. But many older adults are seeking to adopt <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC9092121/">healthier lifestyles</a> to prevent and manage chronic conditions, while health-care professionals are similarly recognising the value of <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC5638636/">lifestyle medicine</a>. The earlier you can adopt positive lifestyle changes and healthier habits, the better placed you’ll be to achieve a long and healthy life. Becoming a centenarian is a lifelong endeavour.<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/235100/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/zhaoli-dai-keller-1547476">Zhaoli Dai-Keller</a>, Honorary Senior Lecturer, School of Pharmacy, University of Sydney; Nutritional epidemiologist and Lecturer, School of Population Health, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a> and <a href="https://theconversation.com/profiles/perminder-sachdev-46869">Perminder Sachdev</a>, Scientia Professor of Neuropsychiatry, Centre for Healthy Brain Ageing (CHeBA), School of Psychiatry, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/we-reviewed-the-health-habits-of-centenarians-these-4-things-could-lead-to-a-longer-life-235100">original article</a>. </div>

Body

Can money buy you happiness? It’s complicated

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/cathrine-jansson-boyd-237916">Cathrine Jansson-Boyd</a>, <a href="https://theconversation.com/institutions/anglia-ruskin-university-1887">Anglia Ruskin University</a> Consumer society is growing fast around the globe. In 2011 it was estimated that 1.7 billion people were living in what is considered to be the <a href="http://www.worldwatch.org/node/810">“consumer class”</a> – and nearly half of them are in the developing world. Consumption of goods and services has <a href="http://data.worldbank.org/indicator/NE.CON.PRVT.CD">grown at a staggering rate over the past few decades</a> and prompts us to ask: does it makes us happy? The answer’s not as simple as you might think. As a starting point, it is useful to look at <a href="https://books.google.co.uk/books?id=1A2siA19hKYC&printsec=frontcover&source=gbs_ge_summary_r&cad=0#v=onepage&q&f=false">reported life satisfaction</a> across the globe. In richer nations, people usually buy more products and services. Hence if consumption genuinely made people happier, one would expect people to be happier in wealthy countries. It is true that people in rich nations report greater levels of life satisfaction (one measure of determining <a href="http://worldhappiness.report/">happiness</a>) than those in poor ones. However, the picture looks a little different when comparing moderately and very wealthy countries as there is no difference between the two. This indicates that money and increased material wealth does not necessarily equal higher levels of happiness. <h2>Being materialistic</h2> In the past few decades, people in richer industrialised societies have become increasingly materialistic. There are two key reasons for this – first, because we learn by observing others, it has become acceptable. And second, because people use products as a means to <a href="http://www.businessinsider.com/the-psychology-behind-retail-therapy-2012-11?IR=T">fill a psychological void</a> in their life. The latter is, at least partially, affected by marketing messages consistently telling us that consumption is the path to happiness. So when people feel they are lacking something in their lives they try to replace it with material possessions. But this often fails, as people usually misjudge what will make them happy. So what often happens is that people get a temporary boost from a particular purchase, but the pleasure tends to fade with time as they adapt to having it, leaving them unsatisfied. They then search for another product that can provide an even stronger pleasurable feeling – but, as before, it will again fade away. This continues as if we are on a forever spinning wheel of consumption. With <a href="http://link.springer.com/article/10.1023/B:JOHS.0000005719.56211.fd">every search for a new pleasing purchase</a>, expectations subconsciously rise – and the result is that we often feel a need to increase the number of purchases made or to spend more money. <h2>Feelings of insecurity</h2> How consumers feel about themselves also dictate consumption patterns. Highly materialistic individuals tend to value possessions that are expensive, seen as high status and are easily spotted and recognised by other people. This is because materialism is related to <a href="http://ase.tufts.edu/gdae/cs/personal%20well-being.pdf">a lack of self-esteem</a>. Hence, feelings of insecurity lead to a concern about what others think about them – which in turn leads to attempts to gain approval from others by owning desirable products. This lack of confidence often originates from what kind of toys we played with in childhood. Many girls, for example, are exposed to unrealistic views of what women should look like when they are given toys like <a href="http://www.bbc.co.uk/news/magazine-35670446">Barbie dolls</a>. This unrealistic view is then internalised and can be carried over into adulthood. A <a href="http://www.bbc.co.uk/news/education-37543769">recent report</a> suggests that approximately 40% of girls and young women lack confidence in how they look. To alleviate the disappointment with their appearance, they are likely to embark on a quest to purchase products they believe will make them more attractive. The media also plays a big role in stripping people of self-esteem. Women’s magazines are designed to encourage them to consume expensive clothes, make-up and lifestyle objects to mitigate the insecurities they feel by comparing themselves and their lives to the models and celebrities inside. Men can be affected by the media in similar ways – an increasing number of <a href="http://www.independent.co.uk/life-style/fashion/features/mens-grooming-is-now-a-multi-billion-pound-worldwide-industry-a6813196.html">men are influenced by magazines to consume clothes and beauty items</a>. When such insecurities are established, the appeal of consumption tends to increase – people are sold the message that they can buy “the very thing” that will help alleviate their insecure feelings. <h2>Not all doom and gloom</h2> Even though it seems that consumption is not synonymous with happiness it is not quite as straightforward as that. One key component for good mental health is to have a solid social support network. A constant pursuit of material possessions makes people disregard aspects of life that can contribute to general well-being, such as a healthy friendship network. It may therefore seem like a paradox that purchasing experiences can be the way to generate better social connections. Purchases made with the intention of <a href="http://psycnet.apa.org/journals/gpr/9/2/132/">having an experience</a>, such as a ski holiday or possibly <a href="http://www.bbc.co.uk/news/business-37550679">something more unusual</a> – such as “being” a celebrity for the day – can boost a person’s sense of happiness. This is often not because of the gratification caused by the thing itself but because it provides people with an opportunity to discuss their experiences with others. The joy of such an experience is that its benefits are subjective and thus not easy to compare – unlike a new mobile phone – which may not be as fancy as someone else’s. Consequently, you are not as likely to feel negative by having a “worse” experience than someone else. Perhaps the question that needs asking is not if consumption leads to happiness, but whether what we consume leads to happiness. As we are approaching the time of year when consuming often reaches an all-time high (<a href="http://www.mirror.co.uk/money/shopping-deals/black-friday-best-deals-2016-6630912">Black Friday</a>, <a href="http://www.mirror.co.uk/money/cyber-monday-2016-big-deals-6825898">Cyber Monday</a> and Christmas), it is worth reflecting on whether the purchases you make are going to genuinely fulfil your desires. Ask yourself if you should be buying more products, or whether it may be the time to buy theatre tickets for your friends to foster stronger social relationships. <a href="https://theconversation.com/profiles/cathrine-jansson-boyd-237916">Cathrine Jansson-Boyd</a>, Reader in Consumer Psychology, <a href="https://theconversation.com/institutions/anglia-ruskin-university-1887">Anglia Ruskin University</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/can-money-buy-you-happiness-its-complicated-66307">original article</a>. </div>

Money & Banking

Boomer couple divide audiences after revealing they're spending their children's inheritance

A couple from Victoria have ignited a fierce debate over spending their children's inheritance, after they revealed they are happy to spend the money on holidays during their retirement years. Leanne and Leon Ryland appeared on the SBS show Insight, along with their son Alex, to discuss how they are spending their retirement fund without considering leaving their cash flow to their two grown up kids. The couple have spent $170,000 on travelling so far, with their goal to visit the wonders of the world taking them to Machu Picchu in Peru, India, Sri Lanka and the Maldives, with the US being next on their agenda. The couple joked the only thing their two sons would inherit would be their “shelf of s***”, a pile of cheap trinkets from their travels. However, the couple also own a home, and have been using their superannuation, pension and savings to fund their travels. Their jet setting comes after they saw a financial planner before they retired about four years ago after saving their whole lives. “We’ve done all the right things by investing in property, boosting up our super, making sure that was healthy, going without a lot of things,” Ms Ryland said. <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-permalink="https://www.instagram.com/reel/C9JyzoDvYkM/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/reel/C9JyzoDvYkM/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by Insight at SBS (@insightsbs)</a> </div> </blockquote> “And he said, ‘You’re crazy if you don’t retire when you can, because you’ll spend most of your wealth on travel or whatever in the first 10 years and then after that it slows down’." “It’s changing your mindset. You get into a phase now where you actually spend instead of save.” The cashed-up boomers run a Facebook group called “SKIclub”, which stands for “spending kids inheritance”, where retirees can share travel tips. Ms Ryland said she’s trying to convince her husband they have to “spend now, because if we don’t spend it, you know he gets it”, pointing to her son. “We’re not going be able to spend all this money so let’s do it because in another 10 years we won’t be climbing the Great Wall of China. We won’t be going up Machu Picchu,” she said. “We won’t be doing those things. So we’ve gotta do it now because what else is there?” The attitude of the couple quickly welcomed a wave of criticism online, who were quick to brand the pair as “entitled”. “SBS Insight tonight is hilarious — boomer privilege at its best & still not conscious of it. So entitled,” one person wrote on X. “Boomers are evil … bragging about overseas holidays with no regard for the environment, spending all their money so their kids have no inheritance,” another wrote. “Clogging healthcare due to their perceived entitlement for health and refusal to die. Selfish and privileged.” However, despite the views of many on social media, the couple’s son Alex appeared to support his parents' decision. “It’s their money,” he told the program. “They’ve worked hard their entire life and invested well in order to get that money so I think they should be able to do whatever they’d like with it.” Alex's sentiment was echoed by others online, with one person saying, "They have a right to do what they want, after the years of being so amazing and responsible for raising a kids, their turn is now." Another simply stated, "It's their money, they can do what they want." Insight’s ‘The Boomer Economy’ is available to stream on <a title="https://www.sbs.com.au/ondemand/news-series/insight" href="https://www.sbs.com.au/ondemand/news-series/insight" data-outlook-id="534ae148-66c7-42db-b3ee-8f15bf016de4">SBS On Demand</a> now. Image credits: SBS

Retirement Life

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

<div class="theconversation-article-body"> <a href="https://theconversation.com/profiles/scott-rick-1534612">Scott Rick</a>, <a href="https://theconversation.com/institutions/university-of-michigan-1290">University of Michigan</a> Love is in the air, and wedding season is upon us. Like many elder millennials, I grew up watching sitcoms in the 1980s and ‘90s. Whenever those series needed a ratings boost, they would feature a wedding. Those special episodes taught me that weddings usually involve young lovebirds: think Elvin and Sondra from “The Cosby Show,” Cory and Topanga from “Boy Meets World,” or David and Darlene from “Roseanne.” But those were different times. People are getting married later in life than they used to: In the United States, <a href="https://www.census.gov/content/dam/Census/library/visualizations/time-series/demo/families-and-households/ms-2.pdf">the median age of newlyweds</a> has grown to 28 for women and 30 for men. This trend means that many Americans now enter marriage after being self-reliant for several years, including managing their own money. Will they be eager to change that once they get married? Don’t count on it. A 2017 <a href="https://bettermoneyhabits.bankofamerica.com/content/dam/bmh/pdf/ar6vnln9-boa-bmh-millennial-report-winter-2018-final2.pdf">Bank of America survey</a> suggests that millennial married couples are around 15 percentage points more likely than their predecessors to keep their finances separate. This is not necessarily a good development. As a behavioral scientist <a href="https://michiganross.umich.edu/faculty-research/faculty/scott-rick">who studies money and relationships</a>, I find that joint accounts <a href="https://doi.org/10.1093/jcr/ucad020">can bring partners closer</a>. There are some risks, however. Joint accounts create transparency, and intuitively, transparency feels like a good thing in relationships. But I argue that some privacy is important even for highly committed couples – <a href="https://us.macmillan.com/books/9781250280077/tightwadsandspendthrifts">and money is no exception</a>. <h2>The newlywed game</h2> Behavioral scientists <a href="https://kelley.iu.edu/faculty-research/faculty-directory/profile.html?id=jgolson">Jenny Olson</a>, <a href="https://som.yale.edu/faculty-research/faculty-directory/deborah-small">Deb Small</a>, <a href="https://www.kellogg.northwestern.edu/faculty/directory/finkel_eli.aspx">Eli Finkel</a> and I recently conducted <a href="https://academic.oup.com/jcr/article-abstract/50/4/704/7077142">an experiment with engaged and newlywed couples</a>. Each of the pairs had entirely separate accounts, but they were undecided about how they wanted to manage their money moving forward. We randomly assigned each of the 230 couples to one of three groups. One group kept their money in separate accounts; one merged their cash into a joint account and stopped using separate accounts; and one managed their money however they liked. We followed couples for two years, periodically asking them to complete surveys assessing their relationship dynamics and satisfaction. Our relationship quality measure included items such as “I cannot imagine another person making me as happy as my partner does” and “Within the last three months, I shouted or yelled at my partner.” Among the couples who could do whatever they wanted, most kept things separate. They and the couples assigned to keep separate accounts experienced a steady decline in relationship quality over time. This is a fairly typical pattern. For instance, in <a href="https://academic.oup.com/sf/article-abstract/79/4/1313/2234046">a large study that tracked U.S. couples’ marital happiness for 17 years</a>, <a href="https://www.unk.edu/academics/social-work/faculty_staff/van_laningham.php">sociologist Jody Van Laningham</a> and colleagues found that “marital happiness either declines continuously or flattens after a long period of decline.” Declines during the first two years of marriage are particularly important. Social scientist <a href="https://liberalarts.utexas.edu/prc/faculty/hustontl">Ted Huston</a> and colleagues call those first two years <a href="https://doi.org/10.1037/0022-3514.80.2.237">the “connubial crucible</a>.” They find that relationship dynamics that develop during that crucial period can foreshadow relationship quality for many years to come. Couples in our study who were prompted to take the plunge into a joint account, however, maintained their initial level of relationship satisfaction over the course of the two-year experiment. <h2>Tit-for-tat</h2> Our survey results suggest that, by turning “my money” and “your money” into “our money,” a joint account can help to reduce scorekeeping within a relationship. For example, we found that couples with joint accounts were more likely to agree with statements such as “When one person does something for the other, the other should not owe the giver anything.” Relationships usually don’t start with a scorekeeping orientation. In the 1980s and ‘90s, psychologist <a href="https://psychology.yale.edu/people/margaret-clark">Margaret Clark</a> and colleagues conducted experiments where partners had the option of keeping track of each other’s contributions to a shared task. <a href="https://clarkrelationshiplab.yale.edu/sites/default/files/files/Resource%20allocation%20in%20intimate%20relationships.pdf">They observed</a> that intimate relationships often begin with a “communal” orientation, where partners help one another without keeping careful track of who’s doing what. Eventually, however, they take on more of an “exchange” orientation – where inputs are tracked and timely reciprocity is expected. Couples that manage to stave off a tit-for-tat mindset <a href="https://doi.org/10.1177/0956797610373882">tend to be happier</a>. <h2>Too much of a good thing?</h2> The data from our experiment with young couples clearly suggests that using only a joint account is better than using only separate accounts. However, I argue in my new book, “<a href="https://us.macmillan.com/books/9781250280077/">Tightwads and Spendthrifts</a>,” that just a joint account is probably not optimal. When partners use only a joint account, they get an up-close-and-personal view of how the other person is spending money. This kind of transparency is <a href="https://www.businessinsider.com/money-habits-successful-married-couples-avoid-2016-11">normally viewed</a> as a good thing. Some commentators argue that a healthy marriage should have no secrets whatsoever. For example, Willard Harley, Jr., a clinical psychologist who primarily writes for Christian audiences, argues that you should “reveal to your spouse <a href="https://www.marriagebuilders.com/the-policy-of-radical-honesty.htm">as much information about yourself as you know</a>: your thoughts, feelings, habits, likes, dislikes, personal history, daily activities, and plans for the future.” In addition, if your goal is to minimize optional spending, <a href="https://doi.org/10.1002/jcpy.1083">research suggests</a> that the transparency that comes with a joint account can be helpful. We spend less when someone is looking over our shoulder. Still, there are reasons to believe that <a href="https://doi.org/10.1177/0265407500172005">complete transparency can be harmful for couples</a>. Many people have become convinced that if they could just stop buying lattes and avocado toast, they could invest that money and become rich. Unfortunately, the underlying math is highly dubious, as journalist Helaine Olen points out in <a href="https://www.penguinrandomhouse.com/books/308568/pound-foolish-by-helaine-olen/">her book “Pound Foolish</a>.” Still, many people view small indulgences as their primary obstacle to wealth. Complete transparency around these financially inconsequential “treats” <a href="https://slate.com/business/2021/09/partner-hates-retail-therapy-money-advice.html">can lead to unnecessary arguments</a>. Also, spouses may have different passions that their partner does not fully understand. Expenses that seem perfectly reasonable to another hobbyist may seem outrageous <a href="https://academic.oup.com/jcr/article-abstract/19/2/256/1929895">to someone without the proper context</a> – another source of <a href="https://www.sciencedirect.com/science/article/abs/pii/S2352250X21000750">avoidable disagreements</a>. <h2>'Translucent,’ not transparent</h2> I propose that many couples may benefit from a combination of joint and separate accounts. A joint account is essential for ensuring that both partners have immediate and equal access to “our money.” Ideally, all income would be direct-deposited into the joint account, which would help to blur the gap between partners’ earnings. Conspicuous income differences <a href="https://doi.org/10.1086/432228">can jeopardize relationship quality</a>. Separate accounts attached to the joint account can allow some privacy for individual purchases and help partners maintain a sense of autonomy and individuality. Each person gets to spend some of “our money” without their partner looking over their shoulder. Spouses would have a high-level understanding of how much their partner is spending per week or per month, but avoid the occasionally irritating details. This kind of partial financial transparency – <a href="https://us.macmillan.com/books/9781250280077/tightwadsandspendthrifts">what I call “financial translucency</a>” – could help couples strike the right balance between financial and psychological well-being. Of course, this approach requires a lot of trust. If the relationship is already on thin ice, complete financial transparency may be necessary. However, if the relationship is generally in the “good, but could be even better” category, I would argue that financial translucency is worth considering.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/230070/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/scott-rick-1534612">Scott Rick</a>, Associate Professor of Marketing, <a href="https://theconversation.com/institutions/university-of-michigan-1290">University of Michigan</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/how-much-do-you-need-to-know-about-how-your-spouse-spends-money-maybe-less-than-you-think-230070">original article</a>. </div>

Money & Banking

Tourism Australia staff caught spending $140k of taxpayers' money on personal travel

Three Tourism Australia employees have been fired after spending $137,441 of taxpayers' money for personal travel expenses, with the National Anti-Corruption Commission (NACC) called in to investigate. Tourism Australia is the government agency in charge of promoting Australia's tourism industry abroad. Tourism Australia chief executive Phillipa Harrison appeared before a Senate committee in Canberra on Tuesday and confirmed the breach of the agency’s travel policy. The spending had been uncovered in October 2023 when the agency's own staff detected the misuse of funds and “immediately reported and escalated” it. “The three employees undertook personal travel that was booked through Tourism Australia’s corporate travel agent and was invoiced to Tourism Australia,” she told the committee. “Tourism Australia demanded that the three individuals repay the full amount of this travel.” She added that the full amount was repaid to Tourism Australia last December, and the three employees have since been sacked. Harrison also said that Deloitte was hired to do an extensive audit dating back to 2021 “to ensure that we understood the full extent of the issue” but “no further instances of wrongdoing were identified”. “Off the back of the audit I have overseen a strengthening of our travel policy processes to ensure the conduct cannot be repeated,” she said. Tourism Australia have referred the matter to the NACC and are awaiting a response. When asked by New South Wales Nationals senator Ross Cadell about the identities of the staff and whether the agency's chief financial officer was among those involved, she replied: "The NACC has advised me that I'm unable to provide the further details on the roles and the people involved until they have finished their investigations." "To do so may compromise current or potential investigations, and prematurely impact the reputations of individuals in circumstances where the legislation enacted by parliament intends to avoid that by requiring that investigations, generally, be conducted in private and that information concerning them is not to be disclosed." She took a question on notice about how many trips were booked by the staff and the destinations for the travel. Her refusal to answer the questions caught the senator off-guard and he said: “I am shooketh, shaken, by not being able to ask these questions,” before calling a short suspension to discuss the concerns. On return, she officially claimed “public interest immunity” and was told she had to outline the situation in writing. "I have to say, this is the first time in my experience where a direction from the NACC has directed an official not to make a public statement," Tourism and Trade Minister Don Farrell said. "This does present some significant issues which I myself would like to get clarified. "You and I both voted for this legislation and obviously this is how it's being applied. The witness, obviously, has to comply with the direction of the NACC, she has no choice." The matter has not been referred to authorities. Image: Tourism Australia/ news.com.au

Travel Trouble

Spending too much time on social media and doomscrolling? The problem might be FOMO

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/kim-m-caudwell-1258935">Kim M Caudwell</a>, <a href="https://theconversation.com/institutions/charles-darwin-university-1066">Charles Darwin University</a> For as long as we have used the internet to <a href="https://www.theguardian.com/technology/2016/mar/07/email-ray-tomlinson-history">communicate and connect with each other</a>, it has influenced how we think, feel and behave. During the COVID pandemic, many of us were <a href="https://www.sciencedirect.com/science/article/pii/S0277953622007985">“cut off” from our social worlds</a> through restrictions, lockdowns and mandates. Understandably, many of us tried to <a href="https://journals.plos.org/plosone/article?id=10.1371/journal.pone.0258344">find ways to connect online</a>. Now, as pandemic restrictions have lifted, some of the ways we use the internet have become concerning. Part of what drives problematic internet use may be something most of us are familiar with – the fear of missing out, or FOMO. In <a href="https://link.springer.com/article/10.1186/s12888-024-05834-9">our latest research</a>, my colleagues and I investigated the role FOMO plays in two kinds of internet use: problematic social media use and “doomscrolling”. <h2>What are FOMO, problematic social media use and doomscrolling?</h2> FOMO is the fear some of us experience when we get a sense of “missing out” on things happening in our social scene. Psychology researchers have been studying FOMO for <a href="https://doi.org/10.1016/j.chb.2013.02.014">more than a decade</a>, and it has consistently been linked to <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC8283615/">mental health and wellbeing</a>, <a href="https://www.sciencedirect.com/science/article/pii/S0376871624001947">alcohol use</a> and <a href="https://doi.org/10.1016/j.chb.2021.106839">problematic social media use</a>. Social media use becomes a problem for people when they have difficulty controlling urges to use social media, have difficulty cutting back on use, and where the use has a negative impact on their everyday life. Doomscrolling is characterised by a need to constantly look at and <a href="https://www.bbc.com/worklife/article/20210226-the-darkly-soothing-compulsion-of-doomscrolling">seek out “bad” news</a>. Doomscrollers may constantly refresh their news feeds or stay up late to read bad news. While problematic social media use has been around for a while, doomscrolling seems to be a more recent phenomenon – <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC7735659/">attracting research attention</a> during and following the pandemic. <h2>What we tried to find out</h2> In our study, we wanted to test the idea that FOMO leads individuals to engage in problematic use behaviours due to their difficulty in managing the “fear” in FOMO. The key factor, we thought, was <a href="https://link.springer.com/article/10.1023/b:joba.0000007455.08539.94">emotion regulation</a> – our ability to deal with our emotions. We know some people tend to be good at this, while others find it difficult. In fact, greater difficulties with emotion regulation was linked to experiencing <a href="https://www.sciencedirect.com/science/article/pii/S088761852100058X">greater acute stress related to COVID</a>. However, an idea that has been gaining attention recently is <a href="https://www.frontiersin.org/journals/psychology/articles/10.3389/fpsyg.2021.636919/full">interpersonal emotion regulation</a>. This means looking to others to help us regulate our emotions. Interpersonal emotion regulation can be helpful (such as “<a href="https://link.springer.com/article/10.1007/s11031-016-9569-3">affective engagement</a>”, where someone might listen and talk about your feelings) or unhelpful (such as “<a href="https://psycnet.apa.org/doiLanding?doi=10.1037%2F0012-1649.43.4.1019">co-rumination</a>” or rehashing problems together), depending on the context. In our analyses, we sought to uncover how both intrapersonal emotion regulation (ability to self-manage our own emotional states) and interpersonal emotion regulation (relying on others to help manage our emotions) accounted for the link between FOMO and problematic social media use, and FOMO and doomscrolling, respectively. <h2>What we found – and what it might mean for the future of internet use</h2> Our findings indicated that people who report stronger FOMO engage in problematic social media use because of difficulty regulating their emotions (intrapersonally), and they look to others for help (interpersonally). Similarly, people who report stronger FOMO are drawn to doomscrolling because of difficulty regulating their emotions intrapersonally (within themselves). However, we found no link between FOMO and doomscrolling through interpersonal emotion regulation. We suspect this difference may be due to doomscrolling being more of a solitary activity, occurring outside more social contexts that facilitate interpersonal regulation. For instance, there are probably fewer people with whom to share your emotions while staying up trawling through bad news. While links between FOMO and doomscrolling have been observed before, our study is among the first to try and account for this theoretically. We suspect the link between FOMO and doomscrolling may be more about having more of an online presence while things are happening. This would account for intrapersonal emotion regulation failing to help manage our reactions to “bad news” stories as they unfold, leading to doomscrolling. Problematic social media use, on the other hand, involves a more complex interpersonal context. If someone is feeling the fear of being “left out” and has difficulty managing that feeling, they may be drawn to social media platforms in part to try and elicit help from others in their network. <h2>Getting the balance right</h2> Our findings suggest the current discussions around <a href="https://www.nbcnews.com/news/us-news/psychology-group-says-infinite-scrolling-social-media-features-are-par-rcna147876">restricting social media use for young people</a>, while controversial, are important. We need to balance our need for social connection – which is happening increasingly online – with the <a href="https://www.biomedcentral.com/collections/spia#tab-3">detrimental consequences </a> associated with problematic internet use behaviours. It is important to also consider the nature of social media platforms and how they have changed over time. For example, adolescent social media use patterns across various platforms are <a href="https://link.springer.com/article/10.1007/s10964-019-01060-9">associated with</a> different mental health and socialisation outcomes. Public health policy experts and legislators have quite the challenge ahead of them here. Recent work has shown how loneliness is <a href="https://doi.org/10.1371/journal.pone.0190033">a contributing factor</a> to all-cause mortality (death from any cause). We have long known, too, that social connectedness is <a href="https://doi.org/10.1371/journal.pone.0190033">good for our mental health</a>. In fact, last year, the World Health Organization established a <a href="https://www.who.int/news/item/15-11-2023-who-launches-commission-to-foster-social-connection">Commission on Social Connection</a> to help promote the importance of socialisation to our lives. The recent controversy in the United States around the ownership of TikTok illustrates how central social media platforms are to our lives and ways of interacting with one another. We need to <a href="https://www.theguardian.com/commentisfree/article/2024/may/27/dominic-andre-tiktok-ban">consider the rights of individuals</a> to use them as they please, but understand that governments carry the responsibility of <a href="https://www.theguardian.com/technology/2023/apr/04/what-does-tiktoks-ban-on-australian-government-devices-mean-for-its-future">protecting users from harm</a> and safeguarding their privacy. <hr /> If you feel concerned about problematic social media use or doomscrolling, you can speak to a healthcare or mental health professional. You can also call <a href="https://www.lifeline.org.au/">Lifeline</a> on 13 11 14, or <a href="https://www.13yarn.org.au/">13 YARN</a> (13 92 76) to yarn with Aboriginal or Torres Strait Islander crisis supporters.<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/230980/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/kim-m-caudwell-1258935">Kim M Caudwell</a>, Senior Lecturer - Psychology | Chair, Researchers in Behavioural Addictions, Alcohol and Drugs (BAAD), <a href="https://theconversation.com/institutions/charles-darwin-university-1066">Charles Darwin University</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/spending-too-much-time-on-social-media-and-doomscrolling-the-problem-might-be-fomo-230980">original article</a>. </div>

Technology

Drinking lots of water may seem like a healthy habit – here’s when and why it can prove toxic

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/adam-taylor-283950">Adam Taylor</a>, <a href="https://theconversation.com/institutions/lancaster-university-1176">Lancaster University</a> In late 2023, actor <a href="https://www.glamour.com/story/brooke-shields-recently-experienced-a-full-blown-seizure-and-bradley-cooper-came-running?utm_source=instagram&utm_medium=social&utm_content=instagram-bio-link&client_service_id=31196&client_service_name=glamour&service_user_id=1.78e+16&supported_service_name=instagram_publishing&utm_brand=glm&utm_social_type=owned">Brooke Shields</a> suffered a seizure after “flooding” her body with water. Shields became dangerously low on sodium while preparing for her show by drinking loads of water. “I flooded my system and I drowned myself,” she would later explain. “And if you don’t have enough sodium in your blood or urine or your body, you can have a seizure.” Shields said she found herself walking around outside for “no reason at all”, wondering: “Why am I out here?” <blockquote> Then I walk into the restaurant and go to the sommelier who had just taken an hour to watch my run through. That’s when everything went black. Then my hands drop to my side and I go headfirst into the wall. </blockquote> Shields added that she was “frothing at the mouth, totally blue, trying to swallow my tongue”. Like Shields, many people may be unaware of the dangers of drinking excessive amounts of water – especially because hydration is so often associated with health benefits. Models and celebrities <a href="https://www.teenvogue.com/story/drinking-water-flawless-skin#:%7E:text=If%20you're%20reading%20a,long%20hours%20at%20a%20time.">often advocate</a> drinking lots of water to help maintain clear, smooth skin. Some <a href="https://www.independent.co.uk/life-style/75-hard-challenge-before-and-after-tiktok-b2382706.html">social media influencers</a> have promoted drinking a gallon of water daily for weight loss. But excessive water consumption can cause <a href="https://patient.info/treatment-medication/hyponatraemia-leaflet">hyponatraemia</a> – a potentially fatal condition of low sodium in the blood. <h2>Worried about hydration levels? Check your urine</h2> The body strictly regulates its water content to maintain the optimum level of <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC2323003/">total body water</a> and “osmolality” – the concentration of dissolved particles in your blood. Osmolality increases when you are dehydrated and decreases when you have too much fluid in your blood. Osmolality is monitored by <a href="https://pubmed.ncbi.nlm.nih.gov/9074779/">osmoreceptors</a> that regulate sodium and water balance in the hypothalamus – the part of the brain that controls numerous hormones. These osmoreceptors signal the release of antidiuretic hormone (ADH), which acts on blood vessels and the kidneys to control the amount of water and salt in the body. <figure><iframe src="https://www.youtube.com/embed/Qghf7Y9ILAs?wmode=transparent&start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe></figure> In healthy people, the body releases ADH when osmolality becomes high. ADH tells the kidneys to reabsorb water, which makes urine more concentrated. The reabsorbed water dilutes the blood, bringing osmolality back to normal levels. Low blood osmolality suppresses the release of ADH, reducing how much water the kidneys reabsorb. This dilutes your urine, which the body then passes to rid itself of the excess water. Healthy urine should be clear and odourless. Darker, yellower urine with a noticeable odour can indicate dehydration – although medications and certain foods, including <a href="https://pubmed.ncbi.nlm.nih.gov/3433805/">asparagus</a>, can affect urine colour and odour, too. <h2>How much is too much?</h2> Adults should consume <a href="https://www.nhs.uk/live-well/eat-well/food-guidelines-and-food-labels/water-drinks-nutrition/">two-to-three litres per day</a>, of which around 20% comes from food. However, we can lose <a href="https://www.ncbi.nlm.nih.gov/books/NBK236237/">up to ten litres</a> of water through perspiration – so sweating during exercise or in hot weather increases the amount of water we need to replace through drinking. Some medical conditions can cause overhydration. Approximately <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC3616165/">one in five</a> schizophrenia patients drink water compulsively, a dangerous condition known as <a href="https://www.theguardian.com/uk-news/2024/apr/15/woman-died-mental-hospital-excessive-water-drinking-inquest#:%7E:text=Woman%20died%20at%20mental%20hospital%20after%20excessive%20water%20drinking%2C%20inquest%20told,-Parents%20of%20Lillian&text=A%20woman%20collapsed%20and%20died,water%2C%20an%20inquest%20has%20heard.">psychogenic polydipsia</a>. One long-term study found that patients with psychogenic polydipsia have a <a href="https://pubmed.ncbi.nlm.nih.gov/18984069/">“74% greater chance</a> of dying before a non-polydipsic patient”. In <a href="https://pubmed.ncbi.nlm.nih.gov/22306188/">some cases</a>, people with <a href="https://psychiatry-psychopharmacology.com/en/childhood-and-adolescence-disorders-psychogenic-polydipsia-in-an-adolescent-with-eating-disorder-a-case-report-132438">anorexia nervosa</a> can also suffer from compulsive water drinking. <figure><iframe src="https://www.youtube.com/embed/ReQew2zcN7c?wmode=transparent&start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe></figure> For those suffering from polydipsia, treatment is focused on medication to reduce the <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC10675986/">urge to drink</a>, as well as <a href="https://www.uptodate.com/contents/overview-of-the-treatment-of-hyponatremia-in-adults/print">increasing sodium levels</a>. This should be done gradually to avoid causing <a href="https://www.ncbi.nlm.nih.gov/books/NBK562251/">myelinolysis</a> – <a href="https://www.ncbi.nlm.nih.gov/books/NBK551697/">neurological damage</a> caused by rapid changes in sodium levels in nerve cells. In rare but often highly publicised cases such as that of <a href="http://news.bbc.co.uk/onthisday/hi/dates/stories/november/13/newsid_2516000/2516593.stm">Leah Betts</a> in 1995, some users of the illegal drug MDMA (also known as <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC6119400/">ecstasy)</a> have <a href="https://pubmed.ncbi.nlm.nih.gov/11265566/">died</a> after drinking copious amounts of water to rehydrate after dancing and sweating. The drug <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC5008716/">increases body temperature</a>, so users drink water to avoid overheating. Unfortunately, MDMA also triggers the <a href="https://pubmed.ncbi.nlm.nih.gov/12105115/">unnecessary release of ADH</a>, causing water retention. The body becomes unable to rid itself of excess water, which affects its electrolyte levels – causing cells to swell with water. Symptoms of water intoxication start with nausea, vomiting, blurred vision and dizziness. As the condition progresses, sufferers can often display symptoms of <a href="https://www.nhs.uk/mental-health/conditions/psychosis/symptoms/">psychosis</a>, such as inappropriate behaviour, confusion, delusions, disorientation and hallucinations. These symptoms are caused by <a href="https://www.ncbi.nlm.nih.gov/books/NBK470386/">hyponatraemia</a>, where sodium levels are diluted or depleted in blood and the subsequent imbalance of electrolytes affects the nervous system. Water begins to move into the brain causing <a href="https://www.sciencedirect.com/science/article/pii/S1572349604000149">a cerebral oedema</a> – brain swelling because of excessive fluid buildup, which is usually fatal if not treated. A healthy body will tell you when it needs water. If you’re thirsty and your urine is dark with a noticeable odour, then you need to drink more. If you aren’t thirsty and your urine is clear or the colour of light straw, then you’re already doing a good job of hydrating yourself.<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/228715/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/adam-taylor-283950">Adam Taylor</a>, Professor and Director of the Clinical Anatomy Learning Centre, <a href="https://theconversation.com/institutions/lancaster-university-1176">Lancaster University</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/drinking-lots-of-water-may-seem-like-a-healthy-habit-heres-when-and-why-it-can-prove-toxic-228715">original article</a>. </div>

Body

How much time should you spend sitting versus standing? New research reveals the perfect mix for optimal health

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/christian-brakenridge-1295221">Christian Brakenridge</a>, <a href="https://theconversation.com/institutions/baker-heart-and-diabetes-institute-974">Baker Heart and Diabetes Institute</a> People have a pretty intuitive sense of what is healthy – standing is better than sitting, exercise is great for overall health and getting <a href="https://theconversation.com/could-not-getting-enough-sleep-increase-your-risk-of-type-2-diabetes-225179">good sleep is imperative</a>. However, if exercise in the evening may disrupt our sleep, or make us feel the need to be more sedentary to recover, a key question emerges – what is the best way to balance our 24 hours to optimise our health? <a href="https://link.springer.com/article/10.1007/s00125-024-06145-0">Our research</a> attempted to answer this for risk factors for heart disease, stroke and diabetes. We found the optimal amount of sleep was 8.3 hours, while for light activity and moderate to vigorous activity, it was best to get 2.2 hours each. <iframe id="dw4bx" class="tc-infographic-datawrapper" style="border: none;" src="https://datawrapper.dwcdn.net/dw4bx/" width="100%" height="400px" frameborder="0"></iframe> <h2>Finding the right balance</h2> Current health guidelines recommend you stick to a <a href="https://www.health.gov.au/topics/physical-activity-and-exercise/physical-activity-and-exercise-guidelines-for-all-australians/for-adults-18-to-64-years">sensible regime</a> of moderate-to vigorous-intensity physical activity 2.5–5 hours per week. However <a href="https://doi.org/10.1016/j.jacc.2019.02.031">mounting evidence</a> now <a href="https://doi.org/10.2337/dc14-2073">suggests</a> how you spend your day can have meaningful ramifications for your health. In addition to moderate-to vigorous-intensity physical activity, this means the time you spend sitting, standing, doing light physical activity (such as walking around your house or office) and sleeping. Our research looked at more than 2,000 adults who wore body sensors that could interpret their physical behaviours, for seven days. This gave us a sense of how they spent their average 24 hours. At the start of the study participants had their waist circumference, blood sugar and insulin sensitivity measured. The body sensor and assessment data was matched and analysed then tested against health risk markers — such as a heart disease and stroke risk score — to create a model. Using this model, we fed through thousands of permutations of 24 hours and found the ones with the estimated lowest associations with heart disease risk and blood-glucose levels. This created many optimal mixes of sitting, standing, light and moderate intensity activity. When we looked at waist circumference, blood sugar, insulin sensitivity and a heart disease and stroke risk score, we noted differing optimal time zones. Where those zones mutually overlapped was ascribed the optimal zone for heart disease and diabetes risk. <h2>You’re doing more physical activity than you think</h2> We found light-intensity physical activity (defined as walking less than 100 steps per minute) – such as walking to the water cooler, the bathroom, or strolling casually with friends – had strong associations with glucose control, and especially in people with type 2 diabetes. This light-intensity physical activity is likely accumulated intermittently throughout the day rather than being a purposeful bout of light exercise. Our experimental evidence shows that <a href="https://diabetesjournals.org/care/article/39/6/964/29532/Benefits-for-Type-2-Diabetes-of-Interrupting">interrupting our sitting</a> regularly with light-physical activity (such as taking a 3–5 minute walk every hour) can improve our metabolism, especially so after lunch. While the moderate-to-vigorous physical activity time might seem a quite high, at more than 2 hours a day, we defined it as more than 100 steps per minute. This equates to a brisk walk. It should be noted that these findings are preliminary. This is the first study of heart disease and diabetes risk and the “optimal” 24 hours, and the results will need further confirmation with longer prospective studies. The data is also cross-sectional. This means that the estimates of time use are correlated with the disease risk factors, meaning it’s unclear whether how participants spent their time influences their risk factors or whether those risk factors influence how someone spends their time. <h2>Australia’s adult physical activity guidelines need updating</h2> Australia’s <a href="https://www.health.gov.au/topics/physical-activity-and-exercise/physical-activity-and-exercise-guidelines-for-all-australians/for-adults-18-to-64-years">physical activity guidelines</a> currently only recommend exercise intensity and time. A <a href="https://www.uow.edu.au/media/2023/why-adults-need-to-move-more-stop-sitting-and-sleep-better-.php">new set of guidelines</a> are being developed to incorporate 24-hour movement. Soon Australians will be able to use these guidelines to examine their 24 hours and understand where they can make improvements. While our new research can inform the upcoming guidelines, we should keep in mind that the recommendations are like a north star: something to head towards to improve your health. In principle this means reducing sitting time where possible, increasing standing and light-intensity physical activity, increasing more vigorous intensity physical activity, and aiming for a healthy sleep of 7.5–9 hours per night. Beneficial changes could come in the form of reducing screen time in the evening or opting for an active commute over driving commute, or prioritising an earlier bed time over watching television in the evening. It’s also important to acknowledge these are recommendations for an able adult. We all have different considerations, and above all, movement should be fun.<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/228894/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/christian-brakenridge-1295221">Christian Brakenridge</a>, Postdoctoral research fellow at Swinburne University, Centre for Urban Transitions, <a href="https://theconversation.com/institutions/baker-heart-and-diabetes-institute-974">Baker Heart and Diabetes Institute</a> Image credits: Getty Images This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/how-much-time-should-you-spend-sitting-versus-standing-new-research-reveals-the-perfect-mix-for-optimal-health-228894">original article</a>. </div>

Body

Mothers’ dieting habits and self-talk have profound impact on daughters − 2 psychologists explain how to cultivate healthy behaviors and body image

<a href="https://theconversation.com/profiles/janet-j-boseovski-451496">Janet J. Boseovski</a>, <a href="https://theconversation.com/institutions/university-of-north-carolina-greensboro-2069">University of North Carolina – Greensboro</a> and <a href="https://theconversation.com/profiles/ashleigh-gallagher-1505989">Ashleigh Gallagher</a>, <a href="https://theconversation.com/institutions/university-of-north-carolina-greensboro-2069">University of North Carolina – Greensboro</a> Weight loss is one of the most common health and appearance-related goals. Women and <a href="https://www.cdc.gov/nchs/products/databriefs/db340.htm">teen girls</a> are <a href="https://www.cdc.gov/nchs/products/databriefs/db313.htm">especially likely to pursue dieting</a> to achieve weight loss goals even though a great deal of research shows that <a href="https://theconversation.com/what-thin-people-dont-understand-about-dieting-86604">dieting doesn’t work over the long term</a>. We are a <a href="https://www.duck-lab.com/people">developmental psychologist</a> and a <a href="https://psy.uncg.edu/directory/ashleigh-gallagher/">social psychologist</a> who together wrote a forthcoming book, “Beyond Body Positive: A Mother’s Evidence-Based Guide for Helping Girls Build a Healthy Body Image.” In the book, we address topics such as the effects of maternal dieting behaviors on daughters’ health and well-being. We provide information on how to build a foundation for healthy body image beginning in girlhood. <h2>Culturally defined body ideals</h2> Given the strong influence of social media and other cultural influences on body ideals, it’s understandable that so many people pursue diets aimed at weight loss. <a href="https://communityhealth.mayoclinic.org/featured-stories/tiktok-diets">TikTok</a>, YouTube, Instagram and celebrity websites feature slim influencers and “how-tos” for achieving those same results in no time. For example, women and teens are engaging in rigid and extreme forms of exercise such as 54D, a program to <a href="https://54d.com/">achieve body transformation in 54 days</a>, or the <a href="https://health.clevelandclinic.org/75-hard-challenge-and-rules">75 Hard Challenge</a>, which is to follow five strict rules for 75 days. For teens, these pursuits are likely fueled by trendy body preoccupations such as the desire for “<a href="https://www.nytimes.com/2024/02/06/well/move/tiktok-legging-legs-eating-disorders.html">legging legs</a>.” Women and teens have also been been inundated with recent messaging around <a href="https://theconversation.com/drugs-that-melt-away-pounds-still-present-more-questions-than-answers-but-ozempic-wegovy-and-mounjaro-could-be-key-tools-in-reducing-the-obesity-epidemic-205549">quick-fix weight loss drugs</a>, which come with a lot of caveats. Dieting and weight loss goals are highly individual, and when people are intensely self-focused, it is <a href="https://doi.org/10.1521/jscp.2000.19.1.70">possible to lose sight of the bigger picture</a>. Although women might wonder what the harm is in trying the latest diet, science shows that dieting behavior doesn’t just affect the dieter. In particular, for women who are mothers or who have other girls in their lives, these behaviors affect girls’ emerging body image and their health and well-being. <h2>The profound effect of maternal role models</h2> Research shows that mothers and maternal figures <a href="https://doi.org/10.1016/j.brat.2017.11.001">have a profound influence on their daughters’ body image</a>. The opportunity to influence girls’ body image comes far earlier than adolescence. In fact, research shows that these influences on body image <a href="https://www.teenvogue.com/story/how-toxic-diet-culture-is-passed-from-moms-to-daughters">begin very early in life</a> – <a href="https://doi.org/10.1016/bs.acdb.2016.10.006">during the preschool years</a>. Mothers may feel that they are being discreet about their dieting behavior, but little girls are watching and listening, and they are far more observant of us than many might think. For example, one study revealed that compared with daughters of nondieting women, 5-year-old girls whose mothers dieted <a href="https://doi.org/10.1016/S0002-8223(00)00339-4">were aware of the connection between dieting and thinness</a>. Mothers’ eating behavior does not just affect girls’ ideas about dieting, but also their daughters’ eating behavior. The amount of food that mothers eat <a href="https://doi.org/10.1016/j.appet.2018.04.018">predicts how much their daughters will eat</a>. In addition, daughters whose mothers are dieters are <a href="https://doi.org/10.1016/j.appet.2018.04.018">more likely to become dieters themselves</a> and are also <a href="https://doi.org/10.1016/j.eatbeh.2007.03.001">more likely to have a negative body image</a>. Negative body image is <a href="https://theconversation.com/mounting-research-documents-the-harmful-effects-of-social-media-use-on-mental-health-including-body-image-and-development-of-eating-disorders-206170">not a trivial matter</a>. It affects girls’ and women’s mental and physical well-being in a <a href="https://doi.org/10.1177/1359105317710815">host of ways</a> and <a href="https://doi.org/10.1016/j.brat.2011.06.009">can predict the emergence of eating disorders</a>. <h2>Avoiding ‘fat talk’</h2> What can moms do, then, to serve their daughters’ and their own health? They can focus on small steps. And although it is best to begin these efforts early in life – in girlhood – it is never too late to do so. For example, mothers can consider how they think about and talk about themselves around their daughters. Engaging in “fat talk” may inadvertently send their daughters the message that larger bodies are bad, <a href="https://doi.org/10.1016/j.bodyim.2020.07.004">contributing to weight bias</a> and negative self-image. Mothers’ fat talk also <a href="https://doi.org/10.1080/15267431.2021.1908294">predicts later body dissatisfaction in daughters</a>. And negative self-talk isn’t good for mothers, either; it is associated with <a href="https://doi.org/10.1177/1359105318781943">lower motivation and unhealthful eating</a>. Mothers can instead practice and model self-compassion, which involves treating oneself the way <a href="https://doi.org/10.1016/j.bodyim.2016.03.003">a loving friend might treat you</a>. In discussions about food and eating behavior, it is important to avoid moralizing certain kinds of food by labeling them as “good” or “bad,” as girls may extend these labels to their personal worth. For example, a young girl may feel that she is being “bad” if she eats dessert, if that is what she has learned from observing the women around her. In contrast, she may feel that she has to eat a salad to be “good.” Moms and other female role models can make sure that the dinner plate sends a healthy message to their daughters by showing instead that all foods can fit into a balanced diet when the time is right. Intuitive eating, which emphasizes paying attention to hunger and satiety and allows flexibility in eating behavior, is associated with <a href="https://doi.org/10.1007/s40519-020-00852-4">better physical and mental health in adolescence</a>. Another way that women and especially moms can buffer girls’ body image is by helping their daughters <a href="https://doi.org/10.1016/j.bodyim.2021.12.009">to develop media literacy</a> and to think critically about the nature and purpose of media. For example, moms can discuss the misrepresentation and distortion of bodies, such as the use of filters to enhance physical appearance, on social media. <h2>Focusing on healthful behaviors</h2> One way to begin to focus on health behaviors rather than dieting behaviors is to develop respect for the body and to <a href="https://theconversation.com/body-neutrality-what-it-is-and-how-it-can-help-lead-to-more-positive-body-image-191799">consider body neutrality</a>. In other words, prize body function rather than appearance and spend less time thinking about your body’s appearance. Accept that there are times when you may not feel great about your body, and that this is OK. To feel and look their best, mothers can aim to stick to a <a href="https://theconversation.com/whats-the-best-diet-for-healthy-sleep-a-nutritional-epidemiologist-explains-what-food-choices-will-help-you-get-more-restful-zs-219955">healthy sleep schedule</a>, manage their stress levels, <a href="https://theconversation.com/fiber-is-your-bodys-natural-guide-to-weight-management-rather-than-cutting-carbs-out-of-your-diet-eat-them-in-their-original-fiber-packaging-instead-205159">eat a varied diet</a> that includes all of the foods that they enjoy, and <a href="https://theconversation.com/the-runners-high-may-result-from-molecules-called-cannabinoids-the-bodys-own-version-of-thc-and-cbd-170796">move and exercise their bodies regularly</a> as lifelong practices, rather than engaging in quick-fix trends. Although many of these tips sound familiar, and perhaps even simple, they become effective when we recognize their importance and begin acting on them. Mothers can work toward modeling these behaviors and tailor each of them to their daughter’s developmental level. It’s never too early to start. <h2>Promoting healthy body image</h2> Science shows that several personal characteristics are associated with body image concerns among women. For example, research shows that women who are <a href="https://doi.org/10.1016/j.bodyim.2020.02.001">higher in neuroticism</a> <a href="https://doi.org/10.1186/2050-2974-1-2">and perfectionism</a>, <a href="https://doi.org/10.3389/fpsyg.2022.983534">lower in self-compassion</a> or <a href="https://doi.org/10.1016/j.bodyim.2013.08.001">lower in self-efficacy</a> are all more likely to struggle with negative body image. Personality is frequently defined as a person’s characteristic pattern of thoughts, feelings and behaviors. But if they wish, <a href="https://doi.org/10.1002/per.1945">mothers can change personality characteristics</a> that they feel aren’t serving them well. For example, perfectionist tendencies – such as setting unrealistic, inflexible goals – can be examined, challenged and replaced with more rational thoughts and behaviors. A woman who believes she must work out every day can practice being more flexible in her thinking. One who thinks of dessert as “cheating” can practice resisting moral judgments about food. Changing habitual ways of thinking, feeling and behaving certainly takes effort and time, but it is far more likely than diet trends to bring about sustainable, long-term change. And taking the first steps to modify even a few of these habits can positively affect daughters. In spite of all the noise from media and other cultural influences, mothers can feel empowered knowing that they have a significant influence on their daughters’ feelings about, and treatment of, their bodies. In this way, mothers’ modeling of healthier attitudes and behaviors is a sound investment – for both their own body image and that of the girls they love.<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/221968/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/janet-j-boseovski-451496">Janet J. Boseovski</a>, Professor of Psychology, <a href="https://theconversation.com/institutions/university-of-north-carolina-greensboro-2069">University of North Carolina – Greensboro</a> and <a href="https://theconversation.com/profiles/ashleigh-gallagher-1505989">Ashleigh Gallagher</a>, Senior Lecturer, <a href="https://theconversation.com/institutions/university-of-north-carolina-greensboro-2069">University of North Carolina – Greensboro</a> Image credits: Getty Images This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/mothers-dieting-habits-and-self-talk-have-profound-impact-on-daughters-2-psychologists-explain-how-to-cultivate-healthy-behaviors-and-body-image-221968">original article</a>.

Mind

"Worth it": Insane amount woman spends to clone dead cat

Kelly Anderson from Texas, US was devastated when she lost her "soulmate" cat Chai more than four years ago. Not long after, in what she calls "fate", Anderson decided to clone her beloved pet, a process which cost her a whopping $USD25,000 ($AUD38,000). "It was just one of those moments where I had been talking about cloning a few weeks before and fate kicked in," she told Weekend Today. "I remembered the conversation and decided to clone." The process took about four years, which is roughly twice the average time it takes to clone a pet. "It was not money that I had come easily to me but it was a very important process for me to do," she said. "It was 100 per cent worth it. The process saved my life." Anderson added that Belle, the successfully cloned cat, has grown to be as "bold, bossy, sassy" as Chai, and their personalities have become more alike. Despite the similarities, Anderson said that she doesn't set any expectations on Belle to be Chai's replacement. "I would still say she's very much her own cat and I treat her that way. I always try to treat them as individuals. "I never wanted to put expectations on Belle to be Chai. But I would say that they're very similar in a lot of ways." According to <a href="https://www.bbc.com/news/business-60924936" target="_blank" rel="noopener">BBC</a>, the process itself involves extracting DNA from the pet to be cloned, then injecting that into a donor egg that has had its genetic material removed. The egg then grows into an embryo before being implanted into a surrogate mother, who then gives birth to the kitten. Pet cloning has become an increasingly popular practice, , despite how controversial and expensive it is, with celebrities like Barbra Streisand and Simon Cowell using the process to clone their own beloved pets. Anderson, who decided to document her story on social media added that people have mixed reactions to the process. "I think there's people who are fascinated and don't even realise that we're cloning animals ... so a lot of people are learning about cloning," she said. "But a lot of people also have opinions. So it's a mixed bag." Images: Weekend Today

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How much time should you spend sitting versus standing? New research reveals the perfect mix for optimal health

Mothers’ dieting habits and self-talk have profound impact on daughters − 2 psychologists explain how to cultivate healthy behaviors and body image

"Worth it": Insane amount woman spends to clone dead cat

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