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Millions of eligible Aussies about to receive financial boost

<p>Starting this Wednesday, millions of Australians relying on Centrelink benefits will see a welcome increase in their payments. With indexation kicking in, fortnightly boosts ranging from $14 to $30 will be allocated to eligible recipients, depending on their specific circumstances and the type of payment they receive.</p> <p>This adjustment will not only benefit current beneficiaries but also extend support to more individuals, with an additional 77,000 parents now qualifying for higher payment rates. The eligibility criteria for certain payments have been expanded, particularly for parents whose youngest child is under 14, a significant extension from the previous threshold of under eight.</p> <p>Income and assets limits tied to these payments will also experience an uptick in line with the indexation process, offering further relief to recipients. But how exactly will these increments manifest across different categories of payments?</p> <p>For single parents, the fortnightly payment will see a boost of $17.50, while partnered parents will witness an increase of $12.30 individually. Moreover, the income free area will rise to $1,345 for each person, an enhancement of $20 per fortnight.</p> <p>Jobseekers with children or those aged over 55 will receive an additional $14.40 fortnightly. Single JobSeeker recipients without children and individuals aged over 22 on ABSTUDY will enjoy a $13.50 increase per fortnight, with couples receiving an extra $12.30 each.</p> <p>Rent assistance, however, will see relatively modest increments, ranging from $2.27 to $3.40, depending on the recipient's family situation.</p> <p>For those on the age pension, disability support pension, and carer payment, the increase is more substantial, with singles receiving an extra $19.60 and couples combined receiving $29.40 each fortnight. This brings the maximum rate of the pension to $1116.30 for singles and $1682.80 for couples, including pension and energy supplements.</p> <p>Amanda Rishworth, the Social Services Minister, explains that indexation plays a crucial role in ensuring that welfare recipients can cope with inflation and the rising cost of living – and that addressing these pressures remains a top priority for the government.</p> <p>This increase in Centrelink payments comes at a critical time when many Australians are grappling with economic uncertainty due to various factors, including the ongoing pandemic. While these adjustments may seem modest to some, they can make a significant difference for those relying on welfare support to make ends meet.</p> <p>It's essential for eligible individuals to stay informed about these changes and ensure they receive the full benefits they're entitled to. For those who may be unsure about their eligibility or how to navigate the system, seeking assistance from Centrelink or relevant support services can provide valuable guidance.</p> <p>As the cost of living continues to evolve, initiatives like indexation serve as vital mechanisms for maintaining the welfare safety net and supporting vulnerable members of society. By keeping pace with economic realities, these adjustments strive to provide meaningful relief to those who need it most, contributing to a more equitable and inclusive society for all Australians.</p> <p><em>Image: Getty </em></p>

Money & Banking

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Millions of Aussies to get cash boost in weeks

<p>Millions of Australians are set to receive more money when payments are indexed. </p> <p>On March 20, those on the age pension, disability support pension and carer payment will be pocketing extra money. </p> <p>Single people on the pension and carer payment can expect an extra $19.60, with maximum amount increasing to $1116.30. For couples, the rate will go up $29.40 per fortnight, with the maximum being $1682.80.</p> <p>People on rent assistance, JobSeeker, single parenting payments and ABSTUDY will also benefit from payment increases, with single parenting payment going up by $17.50 a fortnight.</p> <p>Single JobSeeker recipients with no kids, and people over 22 on ABSTUDY, will get an extra $13.50 per fortnight, while each member of a couple will get an additional $12.30 per fortnight.</p> <p>The government has also changed the eligibility criteria for parents seeking welfare payments, with the last budget revealing that 77,000 parents will receive benefits for the youngest child up to the age of 14 instead of eight. </p> <p>The income and assets limits will also be increased in line with indexation in March.</p> <p>Social Services Minister Amanda Rishworth said that these changes will be implemented to ensure that Centrelink recipients would be able to have more money in their accounts, with the rise in cost-of-living. </p> <p>“Our number one priority is addressing inflation and cost of living pressures,” Rishworth said.</p> <p><em>Image: Getty</em></p> <p> </p>

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Tax boost announced for 1.2 million people

<p>Low-income earners will receive a tax boost with the Medicare levy threshold set to rise. </p> <p>The income threshold at which taxpayers will have to pay a two per cent Medicare levy will increase by 7.1 per cent, in line with inflation. </p> <p>Currently single people who earn below $24,276 do not have to pay the levy. Under the changes, the two per cent levy only has to be paid by anyone earning over <span style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;">$26,000</span></p> <p>The <span style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;">Medicare levy </span><span style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;">threshold for seniors and pensioners will increase to $41,089, up from the initial benchmark of $38,365. </span></p> <p>For families, this threshold has increased to $43,486 up from the previous $40,939. </p> <p>Treasurer Jim Chalmers said that the increase was part of the broader measures taken to relieve the increase in cost-of-living. </p> <p>“This will ensure people on lower incomes continue to pay less or are exempt from the Medicare levy,”  he said on Tuesday. </p> <p>“It means 1.2 million Australians get to keep a bit more of what they earn.”</p> <p>The boost in the Medicare levy threshold was announced alongside changes to income tax cuts, with those earning under $150,000 set to receive greater benefits. </p> <p>“This is about doing what we responsibly can to ease some of the pressure being felt by Australians right around the country, but especially for people on lower incomes, young people, seniors and women,” Chalmers said.</p> <p>This comes just days after Medicare celebrated it's 40th anniversary, with an exhibition launched at Parliament House.</p> <p><em>Image: Getty</em></p>

Money & Banking

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Stage 3 stacks up: the rejigged tax cuts help fight bracket creep and boost middle and upper-middle households

<p><em><a href="https://theconversation.com/profiles/ben-phillips-98866">Ben Phillips</a>, <a href="https://theconversation.com/institutions/australian-national-university-877">Australian National University</a></em></p> <p>The winners and losers from the Albanese government’s <a href="https://treasury.gov.au/sites/default/files/2024-01/tax-cuts-government-fact-sheet.pdf">rejig</a> of this year’s Stage 3 tax cuts have already been well documented.</p> <p>From July 1 every taxpayer will get a tax cut. Most, the 11 million taxpayers earning up to A$146,486, will also pay less tax than they would have under the earlier version of Stage 3, some getting a tax cut <a href="https://theconversation.com/albanese-tax-plan-will-give-average-earner-1500-tax-cut-more-than-double-morrisons-stage-3-221875">twice as big</a>.</p> <p>A much smaller number, 1.8 million, will get a smaller tax cut than they would have under the original scheme, although their cuts will still be big. The highest earners will get cuts of $4,529 instead of $9,075.</p> <p>But many of us live in households where income is shared and many households don’t pay tax because the people in them don’t earn enough or are on benefits.</p> <p>The Australian National University’s <a href="https://csrm.cass.anu.edu.au/research/policymod">PolicyMod</a> model is able to work out the impacts at the household level, including the impact on households in which members are on benefits or don’t earn enough to pay tax.</p> <h2>More winners than losers in every broad income group</h2> <p>We’ve divided Australian households into five equal-size groups ranked by income, from lowest to lower-middle to middle to upper-middle to high.</p> <p>Our modelling finds that, just as is the case for individuals, many more households will be better off with the changes to Stage 3 than would have been better off with Stage 3 as it was, although the difference isn’t as extreme.</p> <p>Overall, 58% of households will be better off with the reworked Stage 3 than they would have under the original and 11% will be worse off.</p> <p>Importantly, there remain 31% who will be neither better off nor worse off, because they don’t pay personal income tax.</p> <hr /> <p><iframe id="0CWXE" class="tc-infographic-datawrapper" style="border: none;" src="https://datawrapper.dwcdn.net/0CWXE/4/" width="100%" height="400px" frameborder="0"></iframe></p> <hr /> <p>But it is different for different types of households.</p> <p>In the lowest-earning fifth of households, far more are better off (13.5%) than worse off (0.2%) with the overwhelming bulk neither better nor worse off (86.3%).</p> <hr /> <p><iframe id="KC5zy" class="tc-infographic-datawrapper" style="border: none;" src="https://datawrapper.dwcdn.net/KC5zy/3/" width="100%" height="400px" frameborder="0"></iframe></p> <hr /> <p>In the highest-earning fifth of households, while more than half are better off (54.4%), a very substantial proportion are worse off (42.3%).</p> <p>Very few (only 3.1%) are neither better nor worse off.</p> <hr /> <p><iframe id="WSkSL" class="tc-infographic-datawrapper" style="border: none;" src="https://datawrapper.dwcdn.net/WSkSL/3/" width="100%" height="400px" frameborder="0"></iframe></p> <hr /> <h2>But high-earning households go backwards on average</h2> <p>In dollar terms, the top-earning fifth of households loses money while every group gains. That’s because although there are more winners than losers among the highest-earning fifth of households, the losers lose more money.</p> <p>The biggest dollar gains go to middle and upper-middle income households with middle-income households ahead, on average, by $988 per year and upper-middle income households by $1,102. The highest-income households are worse off by an average of $837 per year.</p> <p>As a percentage of income, middle-income households gain the most with a 1% increase in disposable income. Lowest income households gain very little, while the highest-income households go backwards by 0.3%.</p> <hr /> <p><iframe id="kAPmC" class="tc-infographic-datawrapper" style="border: none;" src="https://datawrapper.dwcdn.net/kAPmC/3/" width="100%" height="400px" frameborder="0"></iframe></p> <hr /> <h2>The rejig does a better job of fighting bracket creep</h2> <p>And we’ve found something else.</p> <p>The original version of the Stage 3 tax cuts was advertised as a measure to overcome <a href="https://theconversation.com/the-2-main-arguments-against-redesigning-the-stage-3-tax-cuts-are-wrong-heres-why-221975">bracket creep</a>, which is what happens when a greater proportion of taxpayers’ income gets pushed into higher tax brackets as incomes climb.</p> <p>We have found it wouldn’t have done it for most of the income groups, leaving all but the highest-earning group paying more tax after the change in mid-2024 than it used to in 2018.</p> <p>The rejigged version of Stage 3 should compensate for bracket creep better, leaving the top two groups paying less than they did in 2018 and compensating the bottom three better than the original Stage 3.</p> <hr /> <p><iframe id="YG0cT" class="tc-infographic-datawrapper" style="border: none;" src="https://datawrapper.dwcdn.net/YG0cT/1/" width="100%" height="400px" frameborder="0"></iframe></p> <hr /> <p>Not too much should be made of the increase in tax rates in the lowest income group between 2018 ad 2024 because some of it reflects stronger income growth.</p> <p>We find that overall, the redesigned Stage 3 does a better job of offsetting bracket creep than the original. It is also better targeted to middle and upper-middle income households.</p> <p>Having said that, the average benefit in dollar terms isn’t big. At about $1,000 per year for middle and upper-middle income households and costing the budget about what the original Stage 3 tax cuts would have cost, its inflationary impact compared to the original looks modest.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/221851/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><a href="https://theconversation.com/profiles/ben-phillips-98866"><em>Ben Phillips</em></a><em>, Associate Professor, Centre for Social Research and Methods, Director, Centre for Economic Policy Research (CEPR), <a href="https://theconversation.com/institutions/australian-national-university-877">Australian National University</a></em></p> <p><em>Image credits: Shutterstock</em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/stage-3-stacks-up-the-rejigged-tax-cuts-help-fight-bracket-creep-and-boost-middle-and-upper-middle-households-221851">original article</a>.</em></p>

Money & Banking

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“This is their money”: Aussies to receive cash boost in days

<p>The Australian government appears to be on a mission to play Santa, as it attempts to return a whopping $234 million in unclaimed Medicare benefits to one million of its hard-working citizens. Move over, jolly old Saint Nick; it's time for Bill "Santa" Shorten to shine.</p> <p>It turns out that Australians have been missing out on an average of $240 each in Medicare rebates, akin to losing a crisp, green note between the couch cushions – but on a national scale.</p> <p>Apparently, the government has been holding onto this financial treasure trove because some Aussies forgot to update their bank details with Medicare. Who knew that keeping your bank info up-to-date could be more rewarding than finding a forgotten $20 in last winter's coat?</p> <p>Government Services Minister Bill Shorten is riding the sleigh of generosity, announcing that, "We know Australians are doing it tough, and I want to reunite people with millions in unpaid Medicare benefits before the holidays." </p> <p>In the grand spirit of giving, Shorten has a plan. Australians can reclaim their lost loot within three days by undertaking the Herculean task of updating their bank account details on the myGov website. It's like a high-stakes version of changing your password but with a much more tangible reward – immediate funds in time for holiday shopping sprees.</p> <p>According to Shorten, the age group with the most to gain from this unexpected Christmas bonus is 18 to 24-year-olds, collectively owed a jaw-dropping $49 million. It seems like Santa Shorten is making a list and checking it twice, ensuring even the Millennials and Gen Zs get their fair share of financial cheer.</p> <p>While nearly 700,000 lucky Aussies are set to receive a notification about their long-lost financial windfall, there's a Grinchy catch: 300,000 individuals without a myGov account may remain out of reach. It's a modern-day Christmas tragedy – the equivalent of getting coal in your stocking because you forgot to sign up for the "nice" list.</p> <p>Opposition spokesman Paul Fletcher is urging Australians to create a myGov account, stating, "Two minutes on the app, three days later money in your account, good news for Christmas." It's like a financial magic trick - poof, and the money appears!</p> <p>In the midst of this Yuletide monetary magic, opposition spokesman Paul Fletcher throws some shade, claiming the coalition exposed these unclaimed benefits figures in October. "Families are struggling with cost-of-living pressures, and this is their money, not the government's," he declared, sounding like a fiscal superhero fighting for the rights of the underpaid and overtaxed.</p> <p>So, as Aussies rush to create myGov accounts and update their banking details, it's beginning to feel a lot like Christmas. Santa Shorten and his merry band of government officials are on a mission to spread holiday cheer, one direct deposit at a time.</p> <p>Who needs mistletoe when you can kiss your financial worries goodbye, thanks to the jingling sound of unclaimed Medicare benefits? It's the season of giving, after all, and in Australia, Santa Shorten is coming to town.</p> <p><em>Image: Getty</em></p>

Money & Banking

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Five ways to take advantage of rising interest rates to boost your savings

<p><em><a href="https://theconversation.com/profiles/fredrick-kibon-changwony-234363">Fredrick Kibon Changwony</a>, <a href="https://theconversation.com/institutions/university-of-stirling-1697">University of Stirling</a></em></p> <p>With the Bank of England base rate <a href="https://theconversation.com/how-the-bank-of-englands-interest-rate-hikes-are-filtering-through-to-your-finances-210344">currently the highest</a> it has been since early 2008, you may have a valuable opportunity to increase your earnings on pensions, investments and savings accounts. After all, when the central bank raises its main rate – the base rate, which is typically used as a benchmark for loans as well as savings accounts – it is trying to encourage people to spend less and save more.</p> <p>But UK banks and building societies have <a href="https://www.independent.co.uk/money/martin-lewis-savings-rates-mortgage-crisis-b2362955.html">recently been accused</a> of letting their savings rates lag the recent rapid rise in the base rate. UK regulator the Financial Conduct Authority has urged these financial firms to offer “<a href="https://www.fca.org.uk/news/press-releases/action-plan-cash-savings">fair and competitive</a>” savings rates in response to the increasing interest rates.</p> <p>Many financial institutions do offer accounts with <a href="https://www.theguardian.com/money/2023/jul/15/uk-savings-accounts-interest-nsi-building-societies-banks-deals">rates of 6% or more</a>. This is good news for avid savers – but only if you keep an eye on the market so you can switch from less competitive products. This is why it’s important to establish a regular savings habit, but many people are unsure about what that should involve.</p> <p>My colleagues and I have studied the <a href="https://dspace.stir.ac.uk/handle/1893/32240">correlation between people’s savings goals</a> (if they have any) and how they invest their money. We also looked at how seeking financial information advice, and being “good with numbers”, both influence this correlation.</p> <p>We analysed data from more than 40,000 individuals in 21,000 UK households from five waves of the Office for National Statistics Wealth and Assets Survey (WAS), conducted between 2006 and 2016. This data captures comprehensive economic wellbeing information and attitudes to financial planning.</p> <p>Our research shows the importance to your finances of setting multiple savings goals, keeping up with financial news, and seeking professional advice. Based on this, here are five research-based ways to make the most of your money.</p> <h2>1. Set specific savings goals</h2> <p>Establishing personal savings goals is one of the first steps most financial institutions and advisers will recommend to their customers, because it’s a good idea to <a href="https://www.investopedia.com/terms/c/compoundinterest.asp">save regularly</a>. Plus, our study shows that total financial assets increase in line with the number of savings goals you have, and that setting specific, rather than vague, goals leads to higher performance.</p> <p>Specific savings goals should have an end date, target figure, and even a meaningful name – for example, “£1,000 for 2024 trip to Asia” or “£250 for 2023 Christmas present fund”. This will create tangible reference points that encourage self-control and increase the pain you feel if you fail to meet your goal.</p> <h2>2. Seek professional financial advice</h2> <p>Rather than relying on friends, family and social media for financial advice, speak to an expert.</p> <p>Our research shows households that access professional financial advice were more likely to allocate a higher share of their wealth to stock portfolios than those that rely on friends, family and social media for financial advice. This result was consistent even across different wealth and income levels, with lower earners possibly using products like ISAs to make investments in stocks and shares. Other <a href="https://academic.oup.com/qje/article/134/3/1225/5435538">research shows</a> stock portfolios outperform most other types of investment in the long term.</p> <p>We also found that access to professional financial advice can substitute for setting goals, because your adviser should help you to determine the kinds of products to invest in (which is called asset allocation) for specific timelines and aims.</p> <h2>3. Brush up on your maths</h2> <p><a href="https://doi.org/10.1111/j.1475-5890.2007.00052.x">Several studies</a> show numerical skills affect how households gather and process information, <a href="https://psycnet.apa.org/doi/10.1037/a0013114">set goals</a>, perceive risks, and <a href="https://heinonline.org/HOL/P?h=hein.journals/fedred89&amp;i=791">decide to invest</a> in various financial assets. So, by brushing up on your basic numeracy and financial literacy skills – even with free online videos – you could boost your savings for the long term.</p> <p>Our study shows that individuals with high confidence in their numerical skills tend to have better financial planning habits – such as investing more in stocks and bonds than cash, which carries more risk but also the potential for greater returns. This trend is particularly evident among households with no savings goals, suggesting that numerical ability could compensate for failing to set such goals.</p> <h2>4. Adopt appropriate savings strategies</h2> <p>Diversified stock market portfolios generally outperform bonds and cash savings <a href="https://doi.org/10.1093/qje/qjz012">over longer periods</a>. However, stock markets can be volatile, so putting savings into less risky assets like bonds and cash is wise for savings goals of less than five years.</p> <p>In the longer term, investing across different global stock markets for more than five years can help counteract inflation. And you can access low-cost, diversified investment portfolios via financial products based on indices of stocks or other assets, such as exchange traded funds.</p> <h2>5. Set, monitor and adjust your plan</h2> <p>Free financial planning and budgeting apps can help you save money by tracking your spending and savings goals, and encouraging you to adhere to a budget.</p> <p>Most importantly, once you set savings goals and create a budget, don’t forget about them. Check regularly to see how your savings are building up and to monitor for any spending changes. A growing array of fintech tools can prompt and encourage this kind of long-term planning.</p> <p>Keeping an eye on savings rates is also important. As banks change rates or create new accounts, consider switching to get a better deal if you can do so without falling foul of account closure fees.</p> <p>It’s important to make sure your savings are working for you at any time, but its crucial in the current economy, when finances are tight but interest rates are rising.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/208853/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/fredrick-kibon-changwony-234363">Fredrick Kibon Changwony</a>, Lecturer in Accounting &amp; Finance, <a href="https://theconversation.com/institutions/university-of-stirling-1697">University of Stirling</a></em></p> <p><em>Image credits: Shutterstock</em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/five-ways-to-take-advantage-of-rising-interest-rates-to-boost-your-savings-208853">original article</a>.</em></p>

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The happiness diet: 7 foods to boost your mood

<p><strong>Mood boosting foods worth adding to your shopping trolley</strong></p> <p>For decades, our culture has focused on the connection between healthy eating and physiological wellness – most of all, related to weight. But out of a pandemic that made mental health a hot topic, you might also be gaining an awareness that the food you eat can seriously affect your mind.</p> <p>Research published in The British Medical Journal says diet plays a major role in how both our body and our brain are feeling. Poor nutrition can contribute to depression, anxiety, aggression (there’s a reason the word “hangry” exists!). But improving your diet, and knowing the right foods to eat, may help your mental health.</p> <p>Dietitian and certified intuitive eating counsellor Rachel Engelhart says certain foods can support your body’s processes that are responsible for positive moods and strong energy levels. Here’s Engelhart’s list of the greatest mood-boosting foods.</p> <p><strong>Fatty fish</strong></p> <p>Seafood like salmon, mackerel and canned tuna are rich in omega-3 fatty acids, which are ‘healthy fats’ with benefits throughout your body – from your heart to your eyes – and your brain.</p> <p>“Omega-3 fatty acids are anti-inflammatory and have the ability to cross into the brain, having a direct effect on mood-regulating molecules and neurotransmitters there,” says registered dietitian Kelsey Lorencz. Research has consistently linked low levels of omega-3s with mood disorders like depression and anxiety – and, according to a review published in Frontiers in Physiology, most of us don’t get enough omega-3 fats in our diet.</p> <p><strong>Yoghurt</strong></p> <p>According to Lorencz, “The bacteria in your gut can actually produce feel-good neurotransmitters like serotonin and dopamine.”</p> <p>Research has identified a particular bacterium that may have a strong impact on triggering these chemicals: a strain called Lactobacillus. One study published in the journal Nature found that feeding our gut with this good bacteria – found naturally in foods like yoghurt, kefir, and sauerkraut – doesn’t just keep the blues at bay, it can increase our resilience in the face of stress.</p> <p><strong>Bananas</strong></p> <p>Bananas aren’t just shaped like a smile – they’re a mood-boosting powerhouse. That’s in part because they’re also high in vitamin B6, one nutrient behind the production of the ‘happiness hormone’ serotonin. Bananas contain prebiotic fibre, which, along with that Lactobacillus, are essential for gut health that promotes a happy brain.</p> <p><strong>Cottage cheese</strong></p> <p>“The amino acid L-tyrosine is needed to make dopamine and norepinephrine, two neurotransmitters that affect our mood and can easily become depleted,” Lorencz says. She points to high sources like soy products, chicken, fish, nuts, seeds, avocados and bananas. But cottage cheese has a whopping amount of this amino acid, along with a few other mood-boosters in its arsenal. It’s high in protein, which is essential for our body to make and use its mood-promoting hormones, Engelhart says. (This protein is casein protein, which our body absorbs more slowly, sustaining energy levels, and may contribute to elevated moods, according to ongoing research.)</p> <p>Cottage cheese also contains selenium, a mineral that Nutrients research has suggested may be linked with lower rates of depression.</p> <p><strong>Nuts and seeds</strong></p> <p>Magnesium is a mineral that supports our body’s energy production – and not getting enough can lead to irritability, anxiety, sleeplessness and agitation, says Lorencz. Nuts like almonds, walnuts, cashews and seeds like pumpkin, chia and sesame are great sources of this vital nutrient, as well as tryptophan, an amino acid associated with good moods.</p> <p>Nuts and seeds can also be great vegetarian sources of those crucial omega-3 fatty acids.</p> <p><strong>Oysters</strong></p> <p>The ages-old wives’ tale about oysters as aphrodisiacs is still out for debate, but oysters can elevate one’s mood. They pack the highest zinc content of any food – a nutrient that’s linked with anxiety and depression when we’re deficient, says Lorencz – and contain tyrosine, an amino acid that helps our body produce the ‘feel good’ hormone dopamine.</p> <p>That’s great news for the shellfish-loving set. However, if you aren’t a fan of oysters, you can get this one-two mood-boosting punch from food like eggs, nuts and legumes.</p> <p><strong>Your favourite treat</strong></p> <p>“Having a varied diet is the best way to set your body up to produce the ‘feel good’ hormones that it needs,” Engelhart says, adding an important point: while this nutritious balance is important, so is treating yourself to food you enjoy. “So many of my clients are hard on themselves and rather judgmental around their food choices, and it negatively impacts their mood,” she says. “Sprinkling our day with a delicious coffee, a yummy dessert, or one of our favourite restaurant meals is also an important way to positively impact our mental health.”</p> <p>And if you want to be strategic about that treat, reach for some dark chocolate. Chocolate contains natural serotonin, and 2022 research found that dark chocolate has prebiotic effects in our gut, supporting stronger mental health.</p> <p><em>Image credits: Getty Images</em></p> <p><em>This article originally appeared on <a href="https://www.readersdigest.com.au/healthsmart/conditions/mental-health/the-happiness-diet-7-foods-to-boost-your-mood" target="_blank" rel="noopener">Reader's Digest</a>.</em></p>

Food & Wine

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Millions of Aussies set for a pension boost

<p>Millions of Australians are set to receive a generous cash increase when an imminent welfare payment indexation comes into effect. </p> <p>Those on age pension payments from Centrelink will see a boost to their payment from Tuesday. </p> <p>According to figures from the Department of Social Services, single pensioners will receive an increase of $32.70, taking their payments to $1096.70 a fortnight.</p> <p>Couples on the adult pension will have their fortnightly payments increase by $24.70 to $826.70.</p> <p>Those on Jobseeker will also receive a boost to their payments, as payments will increase by $56.10 a fortnight to $749.20 for single people aged 22 or more with no children, and by $57.30 a fortnight for those with children to $802.50.</p> <p>Single people aged 55 or over will also have payments increased to $802.50 after nine months.</p> <p>Partnered people on Jobseeker will get a $54.80 increase to $686 a fortnight. </p> <p>Centrelink recipients on rent assistance, youth allowance and Austudy payments will also receive a boost to their fortnightly payments. </p> <p>Despite the increases across many welfare recipient groups, the Australian Council of Social Services says the increases are not enough.</p> <p>ACOSS said people almost three quarters of people they had surveyed on income support were eating less or skipping meals as the ongoing cost of living criss worsens. </p> <p>Half of the respondents said the incoming increase would not help at all, prompting the ACOSS to call for income support to at least match the pension rate.</p> <p><em>Image credits: Getty Images</em></p>

Money & Banking

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How your favourite things can boost your financial wellbeing

<p><em><a href="https://theconversation.com/profiles/jingshi-joyce-liu-1424398">Jingshi (Joyce) Liu</a>, <a href="https://theconversation.com/institutions/city-university-of-london-1047">City, University of London</a>; <a href="https://theconversation.com/profiles/amy-dalton-1425283">Amy Dalton</a>, <a href="https://theconversation.com/institutions/hong-kong-university-of-science-and-technology-1153">Hong Kong University of Science and Technology</a>, and <a href="https://theconversation.com/profiles/anirban-mukhopadhyay-1425284">Anirban Mukhopadhyay</a>, <a href="https://theconversation.com/institutions/hong-kong-university-of-science-and-technology-1153">Hong Kong University of Science and Technology</a></em></p> <p>The cost of living crisis has left many people struggling to afford basic necessities such as food and heating for their homes. On the other hand, the top ten richest men in the world <a href="https://www.weforum.org/agenda/2022/04/economic-inequality-wealth-gap-pandemic/">doubled their wealth</a> during the COVID pandemic while 99% of people became worse off.</p> <p>While this is a comparison of two extremes, many people attempt to “keep up with the Joneses” – looking at what the people around them own and striving to afford the same things. Comparing material wealth and resources to those around you is even more common when others are better off. It’s hard not to wonder why someone else has a nicer car or better clothes.</p> <p>Lots of <a href="https://onlinelibrary.wiley.com/doi/full/10.1111/jasp.12631">research supports</a> this tendency, <a href="https://journals.sagepub.com/doi/full/10.1177/00222437221141053">including our own</a>. For example, when we asked American people to watch a video about research on income inequality in their own country, unsurprisingly, it made them think about their own wealth and how it compares to those around them.</p> <p>And we found that it doesn’t matter how wealthy a person is. Relatively well-off people still tend to look upwards in this way. There is nearly always someone who has more money or owns a better car, a bigger house or the latest gadgets.</p> <p>But while money may not buy you happiness, <a href="https://journals.sagepub.com/doi/full/10.1177/00222437221141053">our research shows</a> that a favourite possession can actually help to make you feel happier when facing income inequality. Thinking about a single treasured possession – even something small like a favourite book gifted by a friend or a keepsake from a trip – can help prevent these feelings of deprivation and actually boost your wellbeing.</p> <p>We used the <a href="https://www.investopedia.com/terms/g/gini-index.asp">Gini coefficient</a> – a common measure of income inequality – to analyse more than 31,000 Instagram posts from 138 countries. We found that posts tend to convey less happiness in places with more income inequality (i.e., when the Gini coefficient of the location of the post increases).</p> <p>We focused on posts that were about favourite possessions (that used hashtags such as #favouritething, #favthing), comparing these with posts about favourite things in general, that is things that aren’t “owned”. The latter posts used hashtags such as #fashion or #favoritepeople.</p> <p>Posts that used hashtags about general consumption and favourite things that aren’t “owned”, such as music or friends, were typically less happy and posted in areas with more income inequality. But when we looked at posts that used hashtags about favourite possessions, such as #favouritething or #favthing, we found there was a weaker relationship with income inequality.</p> <p>So whether a post was happy or not wasn’t linked to the equality of the area it was posted in. These posts about favourite possessions were therefore less affected by income inequality.</p> <p>This means that encouraging people to think differently about things they already own could help some cope better with inequality. Rather than focusing on how much you own, which tends to exacerbate social comparison and undermine happiness, focus instead on your favourite possessions. Our research indicates that people who do this tend to make fewer material comparisons, and are happier as a result.</p> <h2>Simply remember your favourite things</h2> <p>A treasured possession doesn’t even have to be particularly expensive. From a memento purchased on a trip abroad, to your grandmother’s embroidered cushion, a football jersey that reminds you of your old school teammates, or even that tattered t-shirt of your favourite band, such items can feel priceless to their owners because they are unique and their value transcends any kind of price.</p> <p>In a separate multi-country study using an online questionnaire, we asked 1,370 participants from China, India, Pakistan, the UK, Spain, Russia, Chile and Mexico to describe either every item of clothing they had recently purchased, or a single favourite item of clothing. After participants described these things, we asked them about their wellbeing, as well as their perception of income inequality in their country.</p> <p>Those who thought about recent clothing purchases reported lower wellbeing when thinking about income inequality in their country. In comparison, those who talked about a single favourite piece of clothing were not as affected by the income inequality they perceived around them.</p> <p>Three more online experiments with over 2,000 participants <a href="https://journals.sagepub.com/doi/full/10.1177/00222437221141053">revealed that</a> when people are reminded of their favourite possessions they feel less affected by income inequality because they are making fewer material comparisons.</p> <p>In one of these studies, we found that merely describing a favourite possession made people less likely to compare their wealth to that of others. When people stopped making these comparisons they were happier – even those living in places with more income inequality.</p> <h2>#FavouriteThing</h2> <p>Our research shows the benefits of focusing on a few favourite things that we own, rather than thinking about the amount of possessions we have and what else we need to “keep up with the Joneses”.</p> <p>Hashtag trends like #ThrowbackThursday encourage people to post photos on certain themes. In a similar vein, encouraging more people to post photos of their favourite possessions using hashtags like #FavouriteThing could do a lot to help boost happiness during the cost of living crisis.</p> <p>Income inequality is rampant and the cost of living crisis has only made its effects worse. But we all possess something dear to us that can keep us from comparing ourselves to others and help protect our wellbeing in this difficult economic environment.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/201997/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/jingshi-joyce-liu-1424398">Jingshi (Joyce) Liu</a>, Lecturer in Marketing, <a href="https://theconversation.com/institutions/city-university-of-london-1047">City, University of London</a>; <a href="https://theconversation.com/profiles/amy-dalton-1425283">Amy Dalton</a>, Associate Professor of Marketing, <a href="https://theconversation.com/institutions/hong-kong-university-of-science-and-technology-1153">Hong Kong University of Science and Technology</a>, and <a href="https://theconversation.com/profiles/anirban-mukhopadhyay-1425284">Anirban Mukhopadhyay</a>, Lifestyle International Professor of Business and Chair Professor of Marketing, <a href="https://theconversation.com/institutions/hong-kong-university-of-science-and-technology-1153">Hong Kong University of Science and Technology</a></em></p> <p><em>Image credits: Getty </em><em>Images </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/how-your-favourite-things-can-boost-your-financial-wellbeing-201997">original article</a>.</em></p>

Money & Banking

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Top 10 collagen boosting foods

<p>We all know how good collagen is for keeping our skin firm. Chances are good your day or night cream probably contain it as an ingredient and if you have regular facials, it’s most likely integrated into the treatment somehow. While our body is constantly creating new collagen, the rate at which this happens starts to slow right down as we get older. Fortunately, along with your topical products, certain foods can help naturally boost collagen in the skin.</p> <p>Here’s what to include on your plate to give your dermis a boost:</p> <p><strong>Fish</strong> – Packed with Omega-3, quality fish helps create stronger cells, which in turn support the structure of the skin.</p> <p><strong>Red fruit and veggies</strong> – Veggies like chilli, capsicum and beetroot and fruits like tomato contain lycopene, an antioxidant that acts as a natural sunblock, helping protect skin from UV rays while also boosting collagen.</p> <p><strong>Dark green veggies</strong> – Rich in vitamin C and high in antioxidants, veggies like kale, spinach and darker varieties of lettuce can help increase collagen production.</p> <p><strong>Orange veggies</strong> – Chowing down on carrots and sweet potato gives your body a hit of vitamin A, which restores and regenerates damaged collagen.</p> <p><strong>Berries</strong> – Low in sugar and delicious to boot, berries contain antioxidants which help eliminate free radicals and increase collagen levels.</p> <p><strong>Soy products</strong> – Whether it’s soy milk, cheese, yoghurt or even tofu, soy contains a hormone called genistein which helps boost collagen production and block enzymes that cause ageing.</p> <p><strong>White and green herbal teas</strong> – Sipping a cup of herbal tea can help support the structure of the skin and prevent collagen breakdown.</p> <p><strong>Citrus</strong> – Fruits like orange, lime and lemon not only contain high levels of vitamin C but they also have the ability to help convert amino acids to collagen.</p> <p><strong>Eggs</strong> – Protein rich foods in general are high in collagen, which can help boost the levels in your skin. Lean meat and nuts are also great for creating a healthy complexion.</p> <p><strong>Garlic</strong> – Not only useful for warding off cold and flu, garlic provides the body with sulfur that is necessary for collagen production.</p> <p><em>Image credit: Shutterstock</em></p>

Beauty & Style

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Fun ways to boost memory in seniors

<p dir="ltr">Memory issues can seriously deteriorate the quality of life for seniors. To reverse the typically progressive process of memory loss, many solutions have been put forward. These include creative leisure activities aimed to work on the senior’s brain while providing relaxation.</p> <p dir="ltr">To work on a senior’s memory, it’s optimal to have them work on a project, focusing and seeing the work being done. There are plenty of games and activities available to help memory.</p> <p dir="ltr"><strong>Paint by Numbers</strong></p> <p dir="ltr">Paint by Numbers is a creative art form that involves painting a pre-drawn sketch on a linen canvas with reference numbers. It helps stimulate the intellect and senses. They’re available in colour books as well, you can find them at your local Kmart and select supermarkets.</p> <p dir="ltr"><strong>Diamond painting</strong></p> <p dir="ltr">Diamond painting is a manual activity where the senior creates beautiful pictures using rhinestones to stick onto a self-adhesive canvas. It calls for concentration, reflection, memorisation, and patience from the practitioner, which is beneficial for working on memory.</p> <p dir="ltr"><strong>Scratch painting</strong></p> <p dir="ltr">Scratch painting is a fun activity that involves scratching a picture with a coin or stylus, like a lottery scratch-off. It requires interest and concentration from the individual, who will enjoy the final picture and benefit their memory.</p> <p dir="ltr"><strong>Music therapy</strong></p> <p dir="ltr">Music therapy is used to treat and alleviate disorders, such as relational, behavioural, and communication difficulties. It also has benefits for seniors with memory problems, as it allows them to mobilise concentration, emotions, and memory in a playful way.</p> <p><span id="docs-internal-guid-70e6c7d1-7fff-2c54-f0e3-9408829a216a"></span></p> <p dir="ltr"><em>Image credit: Shutterstock</em></p>

Mind

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Over-55s the only group to receive Centrelink payment boost

<p>Older recipients of JobSeeker will receive a higher welfare payment as the federal budget is set to include an increase in payments for 227,000 Aussies.</p> <p>According to <em>7News</em>, the budget will include an increase in the base rate of the JobSeeker for people aged 55 and above.</p> <p>The change honours Treasurer Jim Chalmers’ promise that an increase “will be focused on the most vulnerable”.</p> <p>Finance Minister Katy Gallagher previously committed to a “significant improvement” in terms of the budget.</p> <p>When asked if the rate of JobSeeker would be lifted, Gallagher revealed the budget would contain “ongoing” investments to help people with cost-of-living pressures, in addition to one-off measures.</p> <p>“This budget will have a significant cost-of-living package and that cost-of-living package will be targeted to the most vulnerable Australians,” she said.</p> <p>About 227,000 Jobseeker recipients are 55 and over, which is the highest number of any age group and the group most likely to be unemployed long-term, meaning they are without a job for five years or more.</p> <p>The majority of people in this group are women.</p> <p>Senior sources reportedly told <em>7News</em> that the increase will be modest, not the $100-a-week advocates are hoping for but what the budget can afford.</p> <p>The change is unlikely to please Raise the Rate campaigners, who have called for the government to bring payments above the poverty line.</p> <p><em>7News </em>reported that the government will sell the moderate increase as a “responsible first step”, an increase that will help the most vulnerable of JobSeeker recipients and honours its election commitment to do what it can to help within the restraints of the budget.</p> <p>The pressure continues to pile up for the government to substantially increase income support payments above $49.50 a day for singles on JobSeeker and $40.20 a day for Youth Allowance.</p> <p>An open letter to the Prime Minister, which has been signed by more than 300 politicians, community advocates and prolific Aussies, called for an increase to be included in the budget to support those most in need.</p> <p>“Right now, the rate of JobSeeker is so low that people are being forced to choose between paying their rent or buying enough food and medicine,” the letter, coordinated by the Australian Council of Social Service, read.</p> <p>In 2022, the council’s research found six in 10 people on income support were eating less or reporting difficulty getting medicine or care due to their inadequate income. This increased to seven in 10 in March 2023.</p> <p>The budget plans to extend single-parenting payments and increase rental assistance - particularly for women.</p> <p>Around $120 billion in Morrison Government road and rail projects will be reviewed and money reprioritised, with hundreds of smaller projects likely to be stopped.</p> <p><em>Image credit: Getty</em></p>

Money & Banking

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“I thought you needed a morale boost”: Tom Gleeson’s rough review for The Project

<p>Tom Gleeson has built a name for himself with his particular brand of comedy - sarcastic and dry, it’s a rare sight to behold when a sincere moment breaks through. </p> <p>But that’s exactly what happened when the stand-up comedian and host of <em>Taskmaster Australia </em>stopped by The Project for a chat, surprising everyone when he seized an opportunity to sing his praises for the show’s new line-up. </p> <p>“It's no surprise that he [Tom] finds it very weird to be nice,” <em>The Project</em>’s official Twitter account wrote when sharing a clip of his segment, “and he tried it on us.”</p> <p>“I like making fun of comedians, that’s always a treat. But I can be nice as well,” Tom began, “but it’s off-putting. Would you like to see me be nice?” </p> <p>The panel were eager to accept the unexpected offer, with Tom then informing them, “it’s weird, I’m loving the new <em>Project</em>. It’s great! I love it.” </p> <p>When one remarked that it “still sounded mean”, Tom agreed that it didn’t sound right, and decided the next best thing was to compliment them all. </p> <p>“What’s not to like about this show?” he asked. “We’ve got Liz, you know, a legend of Australian sports. Sarah Harris who’s a natural on camera, I’ve always loved you since I saw you on <em>Studio 10</em>. We’ve got Waleed, an intellectual with - you know - political opinions that are hard to pin down. We’ve got Sam who’s the best comedian of his generation - I’ve seen his act, it’s amazing.” </p> <p>This time, the panel believed him, gushing over the nice words to a round of applause from the live studio audience. </p> <p>Tom again admitted that it was weird for him, and when he was asked if it was bad for his reputation to say such things, he said, “well, to be honest, I only said it ‘cause I’ve seen your ratings and I thought you needed a morale boost.” </p> <p>Thankfully, the hosts - and the audience - saw the funny side, bursting into laughter while Tom declared that it felt better to be “back to normal.” </p> <blockquote class="twitter-tweet"> <p dir="ltr" lang="en">.<a href="https://twitter.com/nonstoptom?ref_src=twsrc%5Etfw">@NonStopTom</a> holds two of the meanest positions on TV, Hard Quizmaster and Taskmaster, so it's no surprise that he finds it very weird to be nice… and he tried it on us.<a href="https://twitter.com/hashtag/TheProjectTV?src=hash&amp;ref_src=twsrc%5Etfw">#TheProjectTV</a> <a href="https://t.co/5DL5FCj9vQ">pic.twitter.com/5DL5FCj9vQ</a></p> <p>— The Project (@theprojecttv) <a href="https://twitter.com/theprojecttv/status/1635923339544784897?ref_src=twsrc%5Etfw">March 15, 2023</a></p></blockquote> <p>However, the new ‘normal’ for <em>The Project </em>drives Tom’s joke a little too close to home. Over the course of a year, the talk show’s broadcast audience numbers have seen a sizeable drop - almost 100,000 down.</p> <p>While shows across multiple Australian networks have been hit with a viewership slump, <em>The Project</em>’s coincides with the departure of hosts Carrie Bickmore, Peter Helliar, and Lisa Wilkinson. </p> <p>It was only in 2023 that the show locked in the new line-up of Waleed Aly, Sarah Harris, Georgie Tunny, Michael Hing, Sam Taunton, and Hamish MacDonald. </p> <p>A panel that Tom Gleeson, at least, is a fan of. </p> <p><em>Images: Channel 10 </em></p>

TV

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Major boost to pension and allowance just days away

<p>The federal government has announced big changes to government allowance, with nearly 5 million Aussies set to benefit from an increase to their pension payments. Read more:</p> <p>Almost 5 million Aussies will receive a major increase to their pension payments as they are indexed to inflation.</p> <p>Recipients of the Age Pension, Disability Support Pension and Carer Payment can expect an increase of $37.50 a fortnight for singles and $56.40 a fortnight for couples combined.</p> <p>The maximum fortnightly rate of the pension is set to increase to $1,064 for singles and $1,604 for couples,  including the pension and energy supplements.</p> <p>Single, childless JobSeeker and ABSTUDY recipients over 22 will receive an extra $24.70 per fortnight.</p> <p>Each half of a couple receiving payments will receive a $22.50 increase per fortnight.</p> <p>Single parents receiving the parenting payment will benefit from an extra $33.90 a fortnight.</p> <p>Single parents on the parenting payment will also receive an additional $33.90 per fortnight, with the rate increasing to $967.90, including the Pension Supplement, Energy Supplement, and Pharmaceutical Allowance.</p> <p>Single, childless recipients of the maximum rate Common Rent Assistance will see an increase of $5.60, receiving $157.20 per fortnight.</p> <p>People who receive the maximum rate and have one or two children will see an increase of $6.58 to $184.94 per fortnight, while those with three or more children will receive an increase of $7.42 to $208.74 per fortnight.</p> <p>According to the federal government, the indexation of social security payments will bring cost-of-living relief for 4.7 million people.</p> <p>Social Services Minister Amanda Rishworth said the government was supporting Australians most in need.</p> <p>"Australia's social security system exists to support our most vulnerable citizens, and we know they are feeling the pinch," she said.</p> <p>"Indexation is a pillar of our social security system and we want more money in the pockets of everyday Australians so they can better afford essentials.</p> <p>"The increase is an important part of the system and helps those doing it toughest.”</p> <p>The indexation of payments begins on March 20.</p> <p><em>Image credit: Getty</em></p>

Money & Banking

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Let’s dance! How dance classes can lift your mood and help boost your social life

<p>If your new year’s resolutions include getting healthier, exercising more and lifting your mood, dance might be for you.</p> <p>By dance, we don’t mean watching other people dance on TikTok, as much fun as this can be. We mean taking a dance class, or even better, a few.</p> <p>A growing body of <a href="https://www.tandfonline.com/doi/full/10.1080/17482631.2020.1732526">research shows</a> the benefits of dance, regardless of the type (for example, classes or social dancing) or the style (hip hop, ballroom, ballet). Dance boosts our wellbeing as it improves our emotional and physical health, makes us feel less stressed and more socially connected.</p> <p>Here’s what to consider if you think dance might be for you.</p> <h2>The benefits of dance</h2> <p>Dance is <a href="https://journals.sagepub.com/doi/10.1177/1077800417745919">an engaging and fun</a> way of exercising, learning and meeting people. A review of the evidence <a href="https://www.tandfonline.com/doi/full/10.1080/17482631.2020.1732526">shows</a> taking part in dance classes or dancing socially improves your health and wellbeing regardless of your age, gender or fitness.</p> <p>Another review focuses more specifically on benefits of dance across the lifespan. It <a href="https://doi.org/10.1080/17482631.2021.1950891">shows</a> dance classes and dancing socially at any age improves participants’ sense of self, confidence and creativity.</p> <p>Researchers have also looked at specific dance programs.</p> <p>One UK-based dance program for young people aged 14 <a href="https://doi.org/10.1080/14647893.2011.561306">shows</a> one class a week for three months increased students’ fitness level and self-esteem. This was due to a combination of factors including physical exercise, a stimulating learning environment, positive engagement with peers, and creativity.</p> <p>Another community-based program for adults in hospital <a href="https://doi.org/10.1080/17533015.2020.1725072">shows</a> weekly dance sessions led to positive feelings, enriches social engagement and reduced stress related to being in hospital.</p> <p>If you want to know how much dance is needed to develop some of these positive effects, we have good news for you.</p> <p>A useful hint comes from a <a href="https://bmcpublichealth.biomedcentral.com/articles/10.1186/s12889-015-2672-7">study</a> that looked exactly at how much creative or arts engagement is needed for good mental health – 100 or more hours a year, or two or more hours a week, in most cases.</p> <h2>Dance is social</h2> <p>But dance is more than physical activity. It is also a community ritual. Humans have <a href="https://www.jstor.org/stable/223398">always danced</a>. We still do so to mark and celebrate transitory periods in life. Think of how weddings prompt non-dancers to move rhythmically to music. Some cultures dance to celebrate childbirth. Many dance to celebrate religious and cultural holidays.</p> <p>This is what inspired French sociologist <a href="https://iep.utm.edu/emile-durkheim/">Emile Durkheim</a> (1858-1917) to explore how dance affects societies and cultures.</p> <p>Durkheim <a href="https://archive.org/search?query=external-identifier%3A%22urn%3Aoclc%3Arecord%3A689172179%22">saw</a> collective dance as a societal glue – a social practice that cultivates what he called “collective effervescence”, a feeling of dynamism, vitality and community.</p> <p>He observed how dance held cultures together by creating communal feelings that were difficult to cultivate otherwise, for example a feeling of uplifting togetherness or powerful unity.</p> <p>It’s that uplifting feeling you might experience when dancing at a concert and even for a brief moment forgetting yourself while moving in synchrony with the rest of the crowd.</p> <p>Synchronous <a href="https://www.journals.uchicago.edu/doi/10.1086/529447">collective activities</a>, such as dance, provide a pleasurable way to foster social bonding. This is due to feelings Durkheim noticed that we now know as transcendental emotions – such as joy, awe and temporary dissolution of a sense of self (“losing yourself”). These can lead to feeling a part of something bigger than ourselves and help us experience social connectedness.</p> <p>For those of us still experiencing social anxiety or feelings of loneliness due to the COVID pandemic, dance can be a way of (re)building social connections and belonging.</p> <p>Whether you join an online dance program and invite a few friends, go to an in-person dance class, or go to a concert or dance club, dance can give temporary respite from the everyday and help lift your mood.</p> <h2>Keen to try out dance?</h2> <p>Here’s what to consider:</p> <ul> <li> <p>if you have not exercised for a while, start with a program tailored to beginners or the specific fitness level that suits you</p> </li> <li> <p>if you have physical injuries, check in with your GP first</p> </li> <li> <p>if public dance classes are unappealing, consider joining an online dance program, or going to a dance-friendly venue or concert</p> </li> <li> <p>to make the most of social aspect of dance, invite your friends and family to join you</p> </li> <li> <p>social dance classes are a better choice for meeting new people</p> </li> <li> <p>beginner performance dance classes will improve your physical health, dance skills and self-esteem</p> </li> <li> <p>most importantly, remember, it is not so much about how good your dancing is, dance is more about joy, fun and social connectedness.</p> </li> </ul> <p>In the words of one participant in our (yet-to-be published) research on dance and wellbeing, dance for adults is a rare gateway into fun, "there’s so much joy, there’s so much play in dancing. And play isn’t always that easy to access as an adult; and yet, it’s just such a joyful experience. I feel so happy to be able to dance."</p> <p><em>Images: Getty</em></p> <p><em style="box-sizing: border-box; color: #212529; font-family: -apple-system, 'system-ui', 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif, 'Apple Color Emoji', 'Segoe UI Emoji', 'Segoe UI Symbol', 'Noto Color Emoji'; font-size: 16px; background-color: #ffffff;">This article originally appeared on <a href="https://theconversation.com/lets-dance-how-dance-classes-can-lift-your-mood-and-help-boost-your-social-life-197692" target="_blank" rel="noopener">The Conversation</a>. </em></p>

Body

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Record boost to Centrelink payments coming for nearly one million Aussies

<p dir="ltr">Hundreds of thousands of Australians receiving welfare are due to receive the biggest increase to their payments in two decades.</p> <p dir="ltr">The increase will see payments for young people, including parents, students and those on disability, increase from January 1, 2023.</p> <p dir="ltr">From next year, the base rate for singles on Youth Allowance will increase by at least $19.10 - with a maximum $32.40 extra a fortnight - taking the maximum rate up to $569.80.</p> <p dir="ltr">Single Australians with dependents can expect a boost of $41.40, bringing payments up to $729.60, while couples will receive an additional $35.20 a fortnight.</p> <p dir="ltr">For those under 21 without kids who receive Disability Support Pension, including Youth Disability Supplement, the payment increase is expected to range between $27.40 and $40.70 a fortnight.</p> <p dir="ltr">Recipients of Austudy, ABSTUDY, Mobility Allowance, Double Orphan Pension, Carer Allowance and Pharmaceutical Allowance will also be included in the increases, which are part of a routine indexation that happens every January to keep up with inflation.</p> <p dir="ltr">It comes after the Reserve Bank of Australia forecasted that inflation would peak at eight percent by the end of 2022.</p> <p dir="ltr">In comparison, payments for young people and students have been indexed at 6.1 percent. </p> <p dir="ltr">Social services minister Amanda Rishworth said the increase would help ease the pressure coming from the current cost-of-living crisis.</p> <p dir="ltr">“With the cost of living increasing, we need to ensure students and young people can cover basic costs while focusing on their studies and career aspirations,” she said.</p> <p dir="ltr">While young people are the subject of these payment increases, those who receive Jobseeker or the Aged Pension won’t be left out, with indexation increases announced for all welfare payments were announced by the federal government in September.</p> <p dir="ltr">These payments are also indexed at other times of the year, with the Aged Pension increasing in March and September.</p> <p><span id="docs-internal-guid-4ef18bd0-7fff-9f99-b17c-fdf2ca04bab3"></span></p> <p dir="ltr"><em>Image: Getty Images</em></p>

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5 easy ways to boost your memory

<p>As we age, it’s only natural for our memory to decline a little. While it may be indicative of a larger problem, more often than not, memory lapses are nothing to worry about. That being said, there are a number of steps you can take to improve your recall ability, and they require very little time and effort.</p> <p><strong>1. Get in the habit</strong></p> <p>Think about the little things you do every day, like taking a shower, making a cup of tea, hanging the washing out to dry. These are the habitual actions we perform without needing to rely on our memory. So, it stands to reason that if you want to remember something, making it a habit is a good rule of thumb. Always losing your keys? Keep forgetting to take your tablets or vitamins? Simply put them in the same place every time.</p> <p><strong>2. Get visual</strong></p> <p>Katya Sebeson, author of Improve Memory in 5 Steps recommends leaving visual markers around the house as subtle reminders. “When there's something I can't forget to do before bed, I put an item on my pillow that isn't supposed to be there – like a can of cat food – to get my attention,” she tells <a href="http://www.preventionaus.com.au/article/5-quick-memory-tricks-to-try-today-445304" target="_blank" rel="noopener"><strong><span style="text-decoration: underline;">Prevention</span></strong></a>.</p> <p><strong>3. Put forgettable items next to essential items</strong></p> <p>What item do you never fail to leave the house without? It could be your mobile phone, wallet, handbag, shoes or something else entirely. Now, when you need to remember to take something with you (for example, a parcel to send at the post office the next day) place it right next to the item you never leave home without.</p> <p><strong>4. Word association</strong></p> <p>Constantly forget people’s names? Don’t worry, we all do! Australian memory champion and coach, Tansel Ali, suggests associating the name with a similar-sounding or alliterate word, like “Mark” with the “dark” hair. “If we encode a name in our brain so that it becomes an image, from there we can create a story we're sure to remember,” Ali tells Prevention.</p> <p><strong>5. Turn your to-do list into a story</strong></p> <p>You don’t need to rely on taking a physical to-do list with you everywhere. According to Ali, it’s better to break each item down to its location. Say you need to get a dental check-up, have lunch with Julie and need to buy some pasta for dinner. Be creative and turn that list into a narrative – no matter how bizarre. “If an engaging story is built in your head, that’s the core foundation,” Ali tells <a href="http://www.bodyandsoul.com.au/health/health-advice/how-to-get-a-better-memory/news-story/2063173c32c39221e7bef872f50e8d10" target="_blank" rel="noopener"><strong><span style="text-decoration: underline;">Body + Soul</span></strong></a>. “It’s very difficult to forget.”</p> <p><em>Image: Getty</em></p>

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