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The best electric heated blanket in Australia for unparalleled warmth and comfort

<p>Electric heated blankets have become the hot topic in town, offering the perfect balance of warmth and comfort. Say goodbye to traditional throws that no longer cut it.</p> <p>These versatile blankets have multiple uses, whether you want to snuggle up on the couch with a book or your favourite movie or keep your bed toasty by placing them under your sheets. Some electric blankets even let you <a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.adairs.com.au%2Fbedroom%2Felectric-blankets%2Fgainsborough%2Fgainsborough-electric-blanket2%2F&xcust=sen_electric_heated_blankets" target="_blank" rel="noopener">preheat before slipping into bed</a>!</p> <p>With a plethora of <a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.myer.com.au%2Fc%2Fhome%2Fbedding%2Fcoverlets-throws%2Felectric-blankets&xcust=sen_electric_heated_blankets" target="_blank" rel="noopener">heated electric blankets available to buy online</a>, each offering a unique experience, finding the perfect one for your needs can be time-consuming. That's where we step in. We've invested the time and effort to curate a meticulously crafted list of the best electric heated blankets available in Australia.</p> <p>We understand that everyone has different requirements, which is why we've categorised our top choices based on your specific needs. Whether you're seeking an underlay blanket for your bed, a <a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.bigw.com.au%2Fproduct%2Fjason-reversible-heated-throw-iron%2Fp%2F253200&xcust=sen_electric_heated_blankets" target="_blank" rel="noopener">reversible throw</a>, or an <a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.myer.com.au%2Fp%2Fbreville-bodyzone-plus-electric-blanket-breville-home-wifi-connect-white&xcust=sen_electric_heated_blankets" target="_blank" rel="noopener">electric blanket with smartphone control</a>, we've got you covered.</p> <h4>1. The best fitted electric blanket </h4> <h4><a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.adairs.com.au%2Fbedroom%2Felectric-blankets%2Fgainsborough%2Fgainsborough-electric-blanket2%2F&xcust=sen_electric_heated_blankets" target="_blank" rel="noopener">Gainsborough Electric Blanket</a>, from $149.99, Adairs</h4> <p><a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.adairs.com.au%2Fbedroom%2Felectric-blankets%2Fgainsborough%2Fgainsborough-electric-blanket2%2F&xcust=sen_electric_heated_blankets" target="_blank" rel="noopener"><img src="https://oversixtydev.blob.core.windows.net/media/2023/05/1blanket.jpg" alt="" width="1280" height="1280" /></a></p> <p>If you're looking for an electric blanket that's like a fitted sheet, the Gainsborough Electric Blanket takes the top spot. It has this impressive pre-heating function that's perfect for when you're getting ready for bed, so you can ensure your bed is warm and cosy when you finally climb in. Who wants to hop into a bed with cold sheets? Not me.</p> <p>It comes with two detachable controllers and three heat settings, so you'll always have a controller within arm's reach. And for safety precautions, it has a handy LED power indicator that lets you know if it's on or off before you dash out of the door.</p> <p>Speaking of safety features, it's got this automatic overheat safeguard system, so there is no need to stress about any accidents or injuries, to put your mind at ease.</p> <p><strong><span style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;">Sizing:</span></strong></p> <ul> <li>Single Fitted Electric Blanket: 91cm x 190cm x 50cm</li> <li>King Single Fitted Electric Blanket: 105cm x 203cm x 50cm</li> <li>Double Fitted Electric Blanket: 139cm x 190cm x 50cm</li> <li>Queen Fitted Electric Blanket: 150cm x 203cm x 50cm</li> <li>King Fitted Electric Blanket: 180cm x 203cm x 50cm</li> <li>Super King Fitted Electric Blanket: 204cm x 204cm x 50cm</li> </ul> <h3><a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.adairs.com.au%2Fbedroom%2Felectric-blankets%2Fgainsborough%2Fgainsborough-electric-blanket2%2F&xcust=sen_electric_heated_blankets" target="_blank" rel="noopener"><strong><span style="text-decoration: underline;">Buy it here</span></strong></a></h3> <h4> </h4> <h4>2. High-tech heated blanket</h4> <h4><a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.myer.com.au%2Fp%2Fbreville-bodyzone-plus-electric-blanket-breville-home-wifi-connect-white&xcust=sen_electric_heated_blankets" target="_blank" rel="noopener">Breville Bodyzone Plus Electric Blanket Breville Home with Wifi Connect</a>, $319.20 - $343.20, was $399.00 - $429.00, Myer</h4> <p><a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.myer.com.au%2Fp%2Fbreville-bodyzone-plus-electric-blanket-breville-home-wifi-connect-white&xcust=sen_electric_heated_blankets" target="_blank" rel="noopener"><img src="https://oversixtydev.blob.core.windows.net/media/2023/05/6blanket.jpg" alt="" width="1280" height="751" /></a></p> <p>Who would've thought technology would come so far? Now you can even connect your smartphone to electric heated blankets. It's like having a remote control for the heat, letting you fine-tune the warmth for your upper and lower body. With the multi-zone heating tech and six heat settings, you're in complete control of your cosy experience.</p> <p>To get started, simply download the Breville Home Connect app from either the Apple or Android store. But don't worry if you prefer a more traditional approach – the set also includes two remote controllers.</p> <p>This electric blanket serves as the perfect topper for your King size mattress, measuring 200cm x 178cm. Additionally, it features a fully fitted skirt with a generous depth of 45cm. </p> <h3><a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.myer.com.au%2Fp%2Fbreville-bodyzone-plus-electric-blanket-breville-home-wifi-connect-white&xcust=sen_electric_heated_blankets" target="_blank" rel="noopener"><strong><span style="text-decoration: underline;">Buy it here</span></strong></a></h3> <p> </p> <h4>3. Heated blanket for road trips and camping</h4> <h4><a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.kogan.com%2Fau%2Fbuy%2Fovela-12v-car-electric-blanket-charcoal%2F&xcust=sen_electric_heated_blankets" target="_blank" rel="noopener">Ovela 12V Car Electric Blanket</a>, $39.99 reduced from $64.99, Kogan</h4> <p><a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.kogan.com%2Fau%2Fbuy%2Fovela-12v-car-electric-blanket-charcoal%2F&xcust=sen_electric_heated_blankets" target="_blank" rel="noopener"><img src="https://oversixtydev.blob.core.windows.net/media/2023/05/2blanket.jpg" alt="" width="1280" height="706" /></a></p> <p>Your winter car journeys will never be the same again. This mobile electric blanket is a total game-changer for those long road trips and chilly camping adventures, especially during colder months.</p> <p>Power it up by simply plugging it into any 12V DC car, truck, boat, or RV socket. Its dimensions are 150 cm x 110 cm, so it's just the right size for one adult or even two kids. It even comes with a nifty zipper-carrying bag, keeping it shielded from moisture when it’s stored. And let's not forget about the ultra-soft polyester fleece material that's like a dream against your skin.</p> <h3><a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.kogan.com%2Fau%2Fbuy%2Fovela-12v-car-electric-blanket-charcoal%2F&xcust=sen_electric_heated_blankets" target="_blank" rel="noopener"><strong><span style="text-decoration: underline;">Buy it here</span></strong></a></h3> <h4> </h4> <h4>4. Best affordable heated blanket</h4> <h4><a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.thegoodguys.com.au%2Fdimplex-micro-fleece-heated-throw-dhdeht&xcust=sen_electric_heated_blankets" target="_blank" rel="noopener">Dimplex Micro Fleece Heated Throw</a>, $99, The Good Guys</h4> <p><a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.thegoodguys.com.au%2Fdimplex-micro-fleece-heated-throw-dhdeht&xcust=sen_electric_heated_blankets" target="_blank" rel="noopener"><img src="https://oversixtydev.blob.core.windows.net/media/2023/05/3blanket.jpg" alt="" width="1280" height="725" /></a></p> <p>For a more budget-friendly option, consider the Dimplex Micro Fleece Heated Throw. It’s a great option that doesn’t skimp on impressive features, including a 3-hour auto-off. It’s a breeze to keep clean thanks to the detachable controls, so it can be put on a cycle in the machine-washable.</p> <p>The size specifications of this throw work out at 180cm x 130cm. And better than most, it has six heat settings so you can find the perfect level of toastiness.</p> <h3><strong><a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.thegoodguys.com.au%2Fdimplex-micro-fleece-heated-throw-dhdeht&xcust=sen_electric_heated_blankets" target="_blank" rel="noopener"><span style="text-decoration: underline;">Buy it here</span></a></strong></h3> <p> </p> <h4>5. Best all-round heated blanket</h4> <h4><a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.thegoodguys.com.au%2Fsunbeam-sleep-perfect-antibacterial-electric-bla-bla5351&xcust=sen_electric_heated_blankets" target="_blank" rel="noopener">Sunbeam Sleep Perfect Antibacterial Electric Blanket</a>, $159, The Good Guys</h4> <p><a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.thegoodguys.com.au%2Fsunbeam-sleep-perfect-antibacterial-electric-bla-bla5351&xcust=sen_electric_heated_blankets" target="_blank" rel="noopener"><img src="https://oversixtydev.blob.core.windows.net/media/2023/05/4blanket.jpg" alt="" width="1280" height="704" /></a></p> <p>This queen-sized electric blanket from Sunbeam is 200 cm x 153 cm, making it the ideal size for most people, whether it’s all for themselves or to snuggle up with their other half. Cleaning is a breeze since it's machine washable. However, the real showstopper is the impressive selection of 9 heat settings, giving you plenty of options to indulge in.</p> <h3><a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.thegoodguys.com.au%2Fsunbeam-sleep-perfect-antibacterial-electric-bla-bla5351&xcust=sen_electric_heated_blankets" target="_blank" rel="noopener"><strong><span style="text-decoration: underline;">Buy it here</span></strong></a></h3> <p> </p> <h4>6. Best reversible heated throw </h4> <h4><a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.bigw.com.au%2Fproduct%2Fjason-reversible-heated-throw-iron%2Fp%2F253200&xcust=sen_electric_heated_blankets" target="_blank" rel="noopener">Jason Reversible Heated Throw</a>, $99, Big W</h4> <p><a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.bigw.com.au%2Fproduct%2Fjason-reversible-heated-throw-iron%2Fp%2F253200&xcust=sen_electric_heated_blankets" target="_blank" rel="noopener"><img src="https://oversixtydev.blob.core.windows.net/media/2023/05/5blanket.jpg" alt="" width="1280" height="747" /></a></p> <p>With a reversible heated blanket like this one, you can effortlessly toss it onto your sofa without any concerns about which side is the "good side" - because both sides are equally fantastic.</p> <p>This incredibly cosy throw features Sherpa on one side and Coral Fleece on the other, ensuring ultimate comfort. It also comes with built-in protection against overheating.</p> <p>It’s on the slightly smaller side compared to some of the other blankets we’ve shared, as it’s 130 x 160cm. When it's time to wash, simply detach the remote controller and follow the straightforward instructions provided. </p> <h3><a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.bigw.com.au%2Fproduct%2Fjason-reversible-heated-throw-iron%2Fp%2F253200&xcust=sen_electric_heated_blankets" target="_blank" rel="noopener"><strong><span style="text-decoration: underline;">Buy it here</span></strong></a></h3> <p> </p> <h4>7. Most luxurious heat blanket</h4> <h4><a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.myer.com.au%2Fp%2Froyal-comfort-royal-comfort-flece-top-electric-blanket-fitted-heated-winter-underlay-washable-quen-in-white&xcust=sen_electric_heated_blankets" target="_blank" rel="noopener">Royal Comfort Fleece Top Electric Blanket Fitted Heated Winter Underlay Washable Queen</a>, $359, Myer</h4> <p> </p> <p><a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.myer.com.au%2Fp%2Froyal-comfort-royal-comfort-flece-top-electric-blanket-fitted-heated-winter-underlay-washable-quen-in-white&xcust=sen_electric_heated_blankets" target="_blank" rel="noopener"><img src="https://oversixtydev.blob.core.windows.net/media/2023/05/7blanket.jpg" alt="" width="1280" height="687" /></a></p> <p>This heated blanket is packed with fantastic features that will transform your bed into a cosy haven on those chilly nights. With ten different heat settings to choose from, you can easily find the perfect level of warmth. Plus, it comes with two detachable controllers, allowing you and your partner to customise your comfort independently.</p> <p>For peace of mind, it also includes an automatic shut-off function. It’s made from a luxurious 320GSM Fleece and 400GSM Polyester, which means this blanket offers both comfort and quality.</p> <h3><a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.myer.com.au%2Fp%2Froyal-comfort-royal-comfort-flece-top-electric-blanket-fitted-heated-winter-underlay-washable-quen-in-white&xcust=sen_electric_heated_blankets" target="_blank" rel="noopener"><strong><span style="text-decoration: underline;">Buy it here</span></strong></a></h3> <p> </p> <h4>8. Best looking blanket!</h4> <h4><a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.myer.com.au%2Fp%2Fheritage-check-heated-throw&xcust=sen_electric_heated_blankets" target="_blank" rel="noopener">Heritage Check Heated Throw</a>, $49.85, was $99.95, Myers</h4> <p><a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.myer.com.au%2Fp%2Fheritage-check-heated-throw&xcust=sen_electric_heated_blankets" target="_blank" rel="noopener"><img src="https://oversixtydev.blob.core.windows.net/media/2023/05/8blanket.jpg" alt="" width="1280" height="561" /></a></p> <p>This Myer-exclusive electric blanket has a comforting checkered design that’s timeless in style, and it offers nine heat settings. Made from a luxurious 220 gsm fleece material, this electric blanket ensures a comfortable and snug sensation. Its plush fabric adds an extra layer of cosiness. The checkered pattern is featured solely on the front side, while the reverse side is a solid colour.</p> <h3><a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.myer.com.au%2Fp%2Fheritage-check-heated-throw&xcust=sen_electric_heated_blankets" target="_blank" rel="noopener"><strong><span style="text-decoration: underline;">Buy it here</span></strong></a></h3> <p> </p> <p><strong>Are electric blankets safe?</strong></p> <p>Electric blankets are considered safe to use, but you should still be regularly carrying out maintenance checks for any signs of wear and tear. And if you do notice any damage along the lines of frayed wires, holes, or exposed wires, discard immediately without use. </p> <p><strong>Are electric blankets energy efficient?</strong></p> <p>Electric blankets can be a convenient alternative to switching on your heating system. They typically consume between 100 to 150 watts, which makes them an  energy-efficient solution for most people who want to stay warm during the colder months. </p> <p><strong>Are electric blankets waterproof?</strong></p> <p>Most electric blankets are machine washable when you disconnect the controllers. However, it's crucial that you keep the power switched off and the remote disconnected until the blanket is bone dry. And for precautionary reasons, avoid using the heat setting to quicken the drying process. </p> <p><em>Editor's note: When you buy something using the retail links in our stories, Over60 may earn a small commission. We do not accept money for editorial reviews, and we only write about products we feel comfortable recommending to our readers. Thank you.</em> </p> <p><em>Images, Top: Amin Hasani on Unsplash. All others: Supplied</em></p>

Home & Garden

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3 reasons you feel hungrier and crave comfort foods when the weather turns cold

<p>As we move through Autumn, parts of Australia are starting to see cooler weather. For some of us, that can mean increasing feelings of hunger and cravings for “comfort food” such as as pasta, stews and ramen. </p> <p>But what’s happening in our body?</p> <h2>3 things change when it gets cold</h2> <p>1. Our body conserves heat</p> <p>It sends this energy it conserves to our internal organs so they can maintain their temperature and work properly. The body can also perform heat-generating activities (such as shivering), which uses <a href="https://pubmed.ncbi.nlm.nih.gov/21261804/">energy</a>. The body will then look for additional energy through calories from eating food. </p> <p>2. Our body warms up when eating</p> <p>When we eat, the body needs to expend energy to digest, absorb, and metabolise the nutrients. This process requires the use of energy, which generates heat in the body, leading to an increase in body temperature termed “<a href="https://pubmed.ncbi.nlm.nih.gov/36012714/">diet-induced thermogenesis</a>”. </p> <p>However, the amount of energy used to keep us warm is quite <a href="https://www.sciencedirect.com/topics/medicine-and-dentistry/nonshivering-thermogenesis">modest</a>.</p> <p>3. Some people experience a drop in the neurotransmitter called serotonin</p> <p>This is partly because the rate our body produces serotonin is related to <a href="https://www.thelancet.com/pdfs/journals/lancet/PIIS0140673602117375.pdf">sunlight</a>, which is lower in winter. </p> <p>Serotonin helps to regulate mood, appetite, and sleep, among other things. When serotonin levels are low, it can lead to increased hunger and decreased satiety (feeling that you’ve had enough to eat), making us feel hungrier and less satisfied after meals.</p> <h2>Why we love comfort food in winter</h2> <p>Many of us struggle to eat salad in winter and crave mum’s chicken soup or a slow cooked, brothy ramen. </p> <p>Research shows our brain detects the cold weather and looks for warm <a href="https://www.mdpi.com/2072-6643/9/6/592">food</a>. Warm food can provide a sense of comfort and cosiness, which is particularly appealing during the colder months when we spend more time indoors.</p> <p><a href="https://www.sciencedirect.com/science/article/pii/S1878450X16300786">Comfort food</a> can mean something different for everyone. They are foods we reach for in periods of stress, nostalgia, discomfort (like being cold), or emotional turmoil. For most of us, the foods we often over-indulge in are rich and carbohydrate heavy.</p> <p>A drop in serotonin has also been shown to stimulate an urge to eat more <a href="https://pubmed.ncbi.nlm.nih.gov/16340952/">carbohydrate-rich</a> foods such as gnocchi, pasta, ragout, mashed potatoes. </p> <h2>What happens to those extra calories?</h2> <p>If you consume more energy in cooler weather, some of it will be used to keep you warm. Beyond keeping us warm, extra calories we consume are stored.</p> <p>While most humans today have access to a year-round food supply, some research shows our bodies may still have some leftover instincts related to storing energy for the cooler months when food was harder to come by. </p> <p>This behaviour may also be driven by biological factors, such as changes in hormone levels that regulate appetite and <a href="https://www.frontiersin.org/articles/10.3389/fnins.2013.00140/full">metabolism</a>.</p> <p>A fundamental principle of nutrition and metabolism is that the balance between the energy content of food eaten and energy expended to maintain life and to perform physical work affects body <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC3302369/">weight</a>. This means any excess energy that we don’t use will be stored – usually as fat.</p> <p>Using mathematical modelling, researchers <a href="https://royalsocietypublishing.org/doi/10.1098/rspb.2015.2443">have predicted</a>weight gain is more likely when food is harder to find. Storing fat is an insurance against the risk of failing to find food, which for pre-industrial humans was most likely to happen in winter.</p> <h2>It doesn’t have to be unhealthy</h2> <p>No matter your cravings during cooler months, it’s important to remember your own personal health and wellbeing goals. </p> <p>If you’re worried about excess energy intake, a change in season is a great time to rethink healthy food choices. Including lots of whole fresh vegetables is key: think soups, curries, casseroles, and so on. </p> <p>Including protein (such as meat, fish, eggs, legumes) will keep you feeling fuller for longer.</p> <p><em>Image credits: Getty Images </em></p> <p><em>This article originally appeared on <a href="https://theconversation.com/3-reasons-you-feel-hungrier-and-crave-comfort-foods-when-the-weather-turns-cold-202831" target="_blank" rel="noopener">The Conversation</a>. </em></p>

Food & Wine

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Hospice nurse explains the “very comforting” thing that happens just before death

<p dir="ltr">A hospice nurse has shared the “very comforting” thing that happens to a lot of people in the last moments of their life. </p> <p dir="ltr">Julie McFadden, a 39-year-old healthcare professional from the US, supports people who are coming to the end of their lives, going into specialised homes to make sure they remain as comfortable as possible in their final days.</p> <p dir="ltr">Throughout her career, she said more than half of those she has looked after experienced “visioning”, which is when people who are often fully lucid see deceased friends, family and pets in the moments leading up to death.</p> <p dir="ltr">“It happens most of the time at the end of their life, but they aren’t delusional,” the former intensive care nurse said on TikTok. </p> <p dir="ltr">“It’s often very comforting for the person. It’s never scary - if they’re scared, it’s likely they’re experiencing delirium or paranoia, not visioning.”</p> <p dir="ltr">“People don’t talk about it much but it’s really common and more than half of people I have looked after have experienced it.”</p> <p dir="ltr">“It’s so normal to fear death and I’ve had several patients who have expressed their fear - but then a family member came to them and they were no longer scared.”</p> <p dir="ltr">Julie went on to share a further explanation as to why people experience “visioning”, and the other-worldly power behind it. </p> <p dir="ltr">“We have no idea why this (visioning) happens and we are not claiming that they really are seeing these people,” she explained in one video.</p> <p dir="ltr">“We have no idea. But all I can tell you, as a healthcare professional who’s worked in this line of work for a very long time, (is that) it happens all the time.”</p> <p dir="ltr">“It happens so much that we actually have to educate the family and the patient about this topic before it happens so they’re not incredibly alarmed,” she added.</p> <p dir="ltr">“Usually it’s a good indicator that the person’s getting close to death - usually about a month or a few weeks before they die.”</p> <p dir="ltr">“It brings me comfort. I hope it brings you some comfort,” she concluded in her video, which quickly amassed more than 400,000 views.</p> <p dir="ltr"><em>Image credits: TikTok</em></p>

Caring

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Best cold weather workouts you can do from the comfort of home

<p>Although most of us will be tempted to hit snooze on those colder mornings, the chilly season doesn’t mean we have to hibernate our fitness routines. With a vast library of content, <a href="https://www.onepeloton.com.au/home-trial?utm_source=google&amp;utm_medium=search&amp;utm_campaign=portfolio&amp;gclsrc=aw.ds&amp;gclid=CjwKCAjwi8iXBhBeEiwAKbUofZ2cinznTjKrGyrUBTp1P0c5mEGYJTdPZxy1Yq9RiKTabUq6095i1RoCEb4QAvD_BwE" target="_blank" rel="noopener">Peloton</a> provides a digital fitness experience with convenience at its centre – allowing you to work out anywhere, anytime, all while catering to your individual fitness goals and ability.</p> <p>Leading cardiologist and member of the Peloton Health and Wellness Advisory Council, Dr Suzanne Steinbaum says, “Exercising throughout the year can decrease the major risk factors associated with heart disease and help manage cholesterol, blood pressure, sugars, weight and stress levels, which in turn can dilate the arteries and maximise cardiac functioning. Structured workouts, like Peloton’s range of HIIT and low-impact classes, can motivate and help you stay on track, while also being part of a vibrant community that supports and cheers you on, while working out at your own pace”.</p> <p>Peloton has curated the best workouts to overcome the winter woes and develop a regular fitness routine.</p> <p><strong>1. Strength:</strong> Lean muscle mass naturally diminishes as we age. Choose a strength training class, starting with a beginner workout such as <a href="https://members.onepeloton.co.uk/classes/player/dda80a799bf64531ba1e2947a0896df6" target="_blank" rel="noopener">20 Min Strength Roll Call with Jess Sims</a> to develop stronger bones, manage chronic conditions as well as regulate your weight and improve your heart's strength. The great thing about strength training in winter is you can do it inside with whatever you have available or use the <a href="https://www.onepeloton.com.au/guide" target="_blank" rel="noopener">Peloton Guide</a> if you want to take your workout to the next level. With the Peloton Guide, or by using the Peloton App on your TV, you can turn your living room into a home gym enhanced by a guided workout experience with features including a Movement Tracker to keep you accountable. It’s always important to remember that even when working out from home, ensure that you are exercising safely and are aware of your surroundings in order to prevent injury.</p> <p><strong>2. Warm-up class:</strong> A 15-minute warm-up can be the push you need to get going in the morning. Instead of reading the news or flicking through the TV channels, scroll through the various warm-up classes offered on the <a href="https://www.onepeloton.com/app" target="_blank" rel="noopener">Peloton App</a>. A warm-up class can help you feel more energised and focused for the day ahead and is good for the mind as well as the body. Once you've started, you’ll likely feel exhilarated from the music that you'll want to keep going with a full class. Sometimes just getting started is the hardest part, but once your heart starts beating and blood starts flowing, you will feel energised and motivated particularly on those cold days..</p> <p><strong>3. </strong><strong>Cardio:</strong> If you'd rather just get right into it, a solid HIIT (High-Intensity Interval Training) workout usually lasts 20 to 30 minutes, with classes available on the Peloton App as well as the Bike. The winter air can help improve your endurance for cardio exercises, therefore you might use this indoor time to get into a routine and create a regular exercise program. Plan to take a 20-30 minute class where you get your heart rate up at least 5 days a week for maximum benefit. Choose a HIIT class from the <a href="https://www.onepeloton.com/app" target="_blank" rel="noopener">Peloton App</a> to boost your heart rate to not only keep you warm but improve your cardiovascular health.</p> <p>Dr Suzanne Steinbaum, says: “High-intensity interval training, or HIIT, workouts are popular for a reason: Studies suggest that these types of workouts can deliver the same health benefits of a moderate workout in half the time. It’s true, but only if you strike the right balance and work out on a consistent basis.”</p> <p><strong>4. </strong><strong>Yoga:</strong> Although yoga might not be the first thing that comes to mind for a great workout, it actually has a lot of benefits. It helps to improve your flexibility, balance and increase you stamina. A 2016 <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC4728955/" target="_blank" rel="noopener">study</a> also found that even bi-weekly yoga sessions can help with recovery, boost performance, strengthen your mental game, help with breathing more efficiently, open up tight hips, quads and hamstrings and build core strength.</p> <p><strong>5. Meditation:</strong> If you’re looking for something to help you stay centred all winter long, try a Peloton Meditation class from the comfort of your warm home. Bring a little more calm, focus and positive energy into your life, with Peloton’s range of meditation classes, many of whom are led by Peloton’s first Australian Instructor,<a href="https://www.onepeloton.com.au/instructors/peloton_l" target="_blank" rel="noopener">Kirra Michel</a>. Kirra stresses the importance of incorporating mindfulness and meditation in your exercise routine. “I might have a bias towards yoga and meditation as it's my passion. But, it's special in the fact it incorporates physical activity, breath work, and mindfulness. All of which positively affect cardiovascular risk factors. Modalities we conveniently have on the OnePeloton App!”</p> <p><strong>About Peloton</strong></p> <p>Peloton makes fitness entertaining, approachable, effective, and convenient while fostering social connections that motivate its members to commit to their fitness journeys. Australians can access the Peloton library with thousands of live and on-demand classes at the gym, at home, on the road, or wherever they choose to move, through the Peloton Bike, Peloton Bike+, Peloton Guide, and Peloton App on any iOS or Android device and select smart TVs. For more information, visit <a href="http://www.onepeloton.com.au/" target="_blank" rel="noopener">www.onepeloton.com.au</a>.</p> <p><strong>About Suzanne Steinbaum</strong><br />Dr Suzanne Steinbaum is a leader in preventive cardiology, now in private practice in New York, and she is a paid consultant of the Peloton Health and Wellness Advisory Council. She is the CEO/Founder of Heart-Tech Health, a technology-based prevention model. She published Dr. Suzanne Steinbaum’s Heart Book: Every Woman’s Guide to a Heart-Healthy Life, and has been a national spokesperson for Go Red through the American Heart Association for 18 years. Follow her on <a href="https://www.instagram.com/drsteinbaum/?hl=en" target="_blank" rel="noopener">Instagram</a> and<a href="https://twitter.com/drsteinbaum?lang=en" target="_blank" rel="noopener">Twitter</a>.</p> <p><em>Image: Supplied</em></p>

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People are shivering in cold and mouldy homes in a country that pioneered housing comfort research – how did that happen?

<p>The poor state of Australia’s <a href="https://www.abc.net.au/news/2022-07-18/apartment-owners-sound-alarm-over-alleged-building-defects/101247114">residential</a>, and particularly <a href="https://www.abc.net.au/news/2022-07-16/australian-first-study-mould-biotoxin-illness/101223548">rental</a>, housing stock is attracting increasing attention. This week it has been reported many renters are living in <a href="https://www.abc.net.au/news/2022-08-16/renters-shiver-below-minimum-healthy-temperature-report-finds/101333256">unhealthily cold</a> and <a href="https://www.theguardian.com/australia-news/2022/aug/16/australian-rental-homes-colder-and-more-damp-than-who-safety-standards">damp housing</a>. The head of UNSW’s School of the Built Environment, Philip Oldfield, recently <a href="https://www.theguardian.com/commentisfree/2022/jun/13/freezing-indoors-thats-because-australian-homes-are-closer-to-tents-than-insulated-eco-buildings">described</a> the average Australian home as “closer to a tent than an insulated eco-building”. </p> <p>A <a href="https://www.propertycouncil.com.au/Web/Content/Media_Release/National/2022/Over%20100%20organisations%20join%20forces%20in%20push%20for%20improved%20energy%20efficiency%20in%20Australian%20homes.aspx">joint statement</a> by more than 100 property, community, health and environmental organisations has called on next week’s meeting of the nation’s building ministers to increase the energy efficiency of new homes. The alliance wants to lift National Construction Code standards, such as raising the minimum thermal performance to seven stars, alongside a “whole-of-home” energy budget. The statement said Australia <a href="https://www.energymagazine.com.au/room-for-improvement-australia-and-germany-swap-notes-on-energy-efficiency-reform/">lags far behind</a> international energy-efficiency and building standards.</p> <p>These concerns coincide with a growing housing shortage, rising building costs and a changing climate. But these circumstances are no reason to defer housing reforms. In the past, in a remarkably similar set of circumstances, Australia became a global innovator through a dedicated government agency focused on thermal comfort and performance. </p> <h2>We once led the way in building for the climate</h2> <p>We must go back to the second world war, though, to see Australia at the vanguard of housing built for the climate. The Ministry of Post-war Reconstruction’s substantial and alarm-raising <a href="https://nla.gov.au/nla.obj-851519579/view?partId=nla.obj-851583656">Commonwealth Housing Report</a>of 1944 had forecast a shortfall of 300,000 dwellings by war’s end. On top of a materials shortage and a rapidly growing population, Chifley’s Labor government was keen to tackle the housing crisis head-on and to demonstrate Australia’s scientific prowess across a range of technical industries. </p> <p>As the magnitude of the looming housing shortage became clear, a group of architects established a Small House Bureau to reinvigorate the housing landscape. In Victoria, the director was celebrated architect Robin Boyd. He advocated for smaller homes, notably if the main building material could be earth. </p> <p>Boyd <a href="https://trove.nla.gov.au/newspaper/article/206872165?searchTerm=The%20materials%20are%20already%20on%20%E2%80%98your%20vacant%20building%20site">told a growing readership</a> desperate for cost-effective and accessible alternatives that earth walls were “cheap, strong, weatherproof, and highly insulating”. The materials are already on “your vacant building site”, he cried. Thus, it seemed reasonable to “make it of mud!”.</p> <p>At the same time, the Commonwealth Experimental Building Station was set up on 16 hectares of bushland in Ryde, north of Sydney. Its mandate was to carry out experimental construction in different climatic and geographic locations. It was also to advise regulators, housing authorities and government departments. </p> <p>Engineers, builders, architects and the public welcomed the innovative scientific approach to housing design across the nation’s varied and extreme weather and seasonal conditions. Post-war architects and scientists were keen to place a climatically defined framework on both the layout and construction of Australian homes.</p> <p>One of the station’s main directives was to address “heating, lighting, ventilation, sound and thermal transmission, and performance generally”. The station developed an advanced thermal modelling program to enhance indoor comfort. The modelling took into account solar radiation, the value of shading, strategic ventilation and insulation.</p> <p>Amidst a slew of controlled experiments, the station’s chief technical officer, English architect and engineer George Middleton, championed the practical application of earth walls. Following a scoping tour of England, America, Russia and across Australia, Middleton examined the structural integrity, durability and effective function of “Pisé” or rammed earth. </p> <p>A devotee of the aesthetic qualities and durability of earth, he produced several technical papers that placed earth walls “high among the accepted building methods”.</p> <p>Continuing to advocate for earth over prefabricated materials, Middleton released Build Your House of Earth in 1953. It remains the authoritative text on rammed-earth building in Australia. </p> <p>In just a few short years, the station researched, experimented and built dozens of prototypes. Its thermal response analysis tool (replicated 20 years later by UK building authorities) was ground-breaking.</p> <h2>Australia needs to make up lost ground</h2> <p>Despite the station’s record of achievement, its funding for such investigations was cut in 1955. Some thermal investigations were all but abandoned. Without ongoing testing and field application, the capacity to influence material and performance standards waned. </p> <p>The station did continue to provide regulations and standards for building systems and materials, and it was restructured in the mid-1980s into the National Building Technology Centre. It was later absorbed into CSIRO’s Division of Building, Construction and Engineering, which still oversees the Building Code of Australia. </p> <p>At the centre of building research in Australia, the station was innovative and experimental. It was created decades before the energy conservation movement began to investigate building efficiency <a href="https://neep.org/blog/reflecting-history-energy-efficiency-while-looking-future">in North America and England</a>. </p> <p>But our innovation and desire for experimentation have faded. Decades of industry lobbying, <a href="https://theconversation.com/buck-passing-on-apartment-building-safety-leaves-residents-at-risk-119000">toothless enforcement</a>, a lack of investment in and subsidies for refurbishing existing dwellings, and an outdated rating scheme (<a href="https://www.nathers.gov.au/">NatHERS</a>) have left many Australians out <a href="https://www.abc.net.au/news/2022-08-16/renters-shiver-below-minimum-healthy-temperature-report-finds/101333256">in the cold</a>.</p> <p>In a continent notorious for its extremes, it is time to invest again in thermal research and testing. Australia needs to build resilience into new and existing houses. In a rapidly changing climate, we must consider the capacity and efficiency of earth and other natural materials as a viable and proven alternative to prefabricated materials.</p> <p><em>Image credits: Getty Images</em></p> <p><em>This article originally appeared on <a href="https://theconversation.com/people-are-shivering-in-cold-and-mouldy-homes-in-a-country-that-pioneered-housing-comfort-research-how-did-that-happen-188809" target="_blank" rel="noopener">The Conversation</a>. </em></p>

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The exact amount Aussies need to save for a comfortable retirement

<p dir="ltr">A confronting new financial survey has revealed how much money Australians need to save annually in order to have a comfortable retirement. </p> <p dir="ltr">The survey, conducted by financial planner Merit Planning, concluded that the average Aussie may need to save around $75,000 to $100,000 per year to have enough funds to retire. </p> <p dir="ltr">And while superannuation is a major asset on the path towards retirement, the fund you invest with may not be giving you the full picture of where your money is going.</p> <p dir="ltr">New analysis by Market Forces revealed several major super funds are potentially misleading consumers by “greenwashing”, with eight of the 11 super fund investment options labelled “sustainable” or “socially responsible”, choosing to invest in fossil fuel giants.</p> <p dir="ltr">Both issues have cast light on major problems the average Aussie will face going forward as inflation and cost of living prices continue to surge.</p> <p dir="ltr">Merit Planning’s survey took hundreds of responses from retirees about their retirement experience, showing how big their nest egg will need to be for the years ahead. </p> <p dir="ltr">Almost half of respondents, or 42 per cent, said between $75,000 and $100,000 is needed, while about 20 per cent said the average person needs over $100,000 a year.</p> <p dir="ltr">Only 6 per cent of respondents said the age pension level of around $40,000 per year was enough to retire with.</p> <p dir="ltr">Financial planner Darren Howard said the average couple in Sydney would need to earn about $85,000 per annum combined to retire comfortably given the ongoing cost of living crisis. </p> <p dir="ltr">Craig McDonald, owner of CBM Mortgages, said: “We speak to all our clients about their retirement and their superannuation position and how that will look when they enter into retirement. </p> <p dir="ltr">“We recommend they speak to a financial planner to ensure they are putting those steps in place early.”</p> <p dir="ltr"><em>Image credits: Getty Images</em></p>

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"Peace, comfort and courage": Dame Deborah James farewelled

<p>Dame Deborah James has been farewelled at a private funeral in London after losing her five-year battle with bowel cancer. </p> <p>The cancer campaigner, also known as Bowel Babe, died on June 29th at age 40.</p> <p>A service for the mum-of-two, who raised £7.4 million ($12.8 million) for multiple cancer charities in her final weeks, was a private service for family and friends which took place in West London's St Mary's Church.</p> <p>Local police shared their sorrow at the event taking place, tweeting: "Incredible and inspiring, Dame Deborah James! Your memory will live forever!</p> <p>"Our thoughts are with the family and friends! Wishing you peace, comfort and courage at this time of sorrow," they said.</p> <p>Deborah's husband and two children were among the procession that followed the hearse through the streets of the suburb in a sombre tribute. </p> <p>The 40-year-old's wicker coffin was adorned with roses named in her honour at the RHS Chelsea Flower Show earlier this year.</p> <p>Among the close friends and family in attendance were a small number of famous faces, including TV presenters Lorraine Kelly and Gaby Roslin. </p> <p>Deborah's husband, Sebastien Bowen, gave the eulogy during the service, while their son Hugo, 14, and daughter Eloise, 12, read poems.</p> <p>Ahead of the day James's brother Benjamin James penned an emotion tribute to his older sister on social media.</p> <p>"Saying bye is never going to be easy, but knowing you achieved more than any of us could ever dream of…and so, so much more…makes it that little bit more bearable," he said. </p> <p>"Take it easy up there. Here's to you x".</p> <p>The family <a href="https://oversixty.com.au/news/news/vale-dame-deborah" target="_blank" rel="noopener">announced</a> Deborah's death on June 29th, saying she "passed away peacefully" at home where she has been receiving hospice care.</p> <p><em>Image credits: Getty Images </em></p>

Caring

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Convenience, comfort, cost and carbon: what’s the best way to travel, save money and cut emissions?

<p>As New Zealanders plan their summer holiday trips, it’s worth considering different travel options and their respective cost, both to the budget and the environment.</p> <p>I’ve <a href="https://www.massey.ac.nz/massey/fms/Research/Transport_article_Conversation_3.pdf">compared several travel modes (with all assumptions made found here)</a> — a small diesel car, electric car, bus, train or plane — for a door-to-door 300km return journey. The process has identified limitations for each mode, which may help policymakers better understand the challenges involved in developing a low-carbon transport system.</p> <p>New Zealand’s annual transport emissions have <a href="https://www.mfe.govt.nz/sites/default/files/media/Climate%20Change/new-zealands-greenhouse-gas-inventory-1990-2018-vol-1.pdf">nearly doubled</a> since 1990 and account for more than a fifth of total greenhouse gas emissions.</p> <p>Emissions from cars, utes and vans have continued to increase even though the <a href="https://www.motu.nz/our-research/environment-and-resources/emission-mitigation/shaping-new-zealands-low-emissions-future/a-timeline-of-the-nz-emissions-trading-scheme/">NZ Emissions Trading Scheme</a> has been in place for 14 years and has added a “carbon levy” of around 10-15 cents per litre to petrol and diesel.</p> <p>The Climate Change Commission has <a href="https://www.climatecommission.govt.nz/our-work/advice-to-government-topic/inaia-tonu-nei-a-low-emissions-future-for-aotearoa/">recommended</a> the government should:</p> <ul> <li> <p>reduce the reliance on cars (or light vehicles) and support people to walk, cycle and use public transport</p> </li> <li> <p>rapidly adopt electric vehicles</p> </li> <li> <p>and enable local government to play an important role in changing how people travel.</p> </li> </ul> <p>But is it realistic to expect governments to change how people travel? Providing information is perhaps the key.</p> <h2>Transport comparisons</h2> <p>A person’s choice of transport mode is based on a mixture of cost, comfort and convenience as well as speed and safety. But most New Zealanders choose their car out of habit rather than from any analytical reasoning.</p> <p>Carbon dioxide emissions are rarely a factor in their choice. Although more people now agree that climate change is a major issue, few have been willing or able to take steps to significantly reduce their transport-related carbon footprint.</p> <p>This analysis is based on my personal experiences travelling between my house on the outskirts of the city of Palmerston North to attend a meeting in the centre of Wellington. It relates to any other similar journey with a choice of transport modes, although the details will vary depending on the specific circumstances.</p> <p>I compared a 1500cc diesel car I owned for ten years with an electric car which has a 220km range and is mainly charged at home, using rooftop solar. The airport is 8km away from the house, the railway station 7km and the bus station 5km. I included “first and last mile” options when comparing total journey time, cost, carbon emissions, comfort and convenience.</p> <p><iframe id="ph0I4" class="tc-infographic-datawrapper" src="https://datawrapper.dwcdn.net/ph0I4/8/" height="400px" width="100%" style="border: none;" frameborder="0"></iframe></p> <h2>Things to consider before a trip</h2> <p>Travelling by car for one person is relatively costly but has good door-to-door convenience and can be quicker than the bus, train or plane, except during times of traffic congestion. Comfort is reasonable but the driver cannot read, work or relax as they can on a train.</p> <p>Car drivers usually consider the cost of fuel when planning a journey, but few consider the costs of depreciation, tyre wear, repairs and maintenance as included here. Should more than one person travel in the car, the costs and carbon emissions will be lower per passenger.</p> <p><img src="https://images.theconversation.com/files/437335/original/file-20211213-17-446b2y.jpg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=754&amp;fit=clip" alt="Woman taking picture from small plane" /> <span class="caption">A short plane journey, if nearly full, can have lower emissions per passenger than one person going by road in a diesel car.</span> <span class="attribution"><span class="source">Shutterstock/Peter Gudella</span></span></p> <p>Taking a short-haul flight over this distance is relatively costly and the journey is no quicker since there is considerable inconvenience getting to and from the airports. The carbon dioxide emissions per passenger can be lower than for a diesel car (with just the driver), assuming the plane has around 80% occupancy.</p> <p>For one person, taking a bus or train can be significantly cheaper than taking a car and also offers lower emissions. However, the longer overall journey time and the hassles getting to and from the stations are deterrents. Infrequent bus and train services, often at inconvenient times, can also be disincentives to choosing these modes.</p> <h2>Going electric</h2> <p><img src="https://images.theconversation.com/files/437334/original/file-20211213-25-4k5xtx.jpg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=237&amp;fit=clip" alt="Car park reserved for electric cars to recharge" /> <span class="caption">Electric cars offer convenience and low emissions.</span> <span class="attribution"><span class="source">Shutterstock/Ed Goodacre</span></span></p> <p>The electric car has low carbon emissions, especially if charged from a domestic solar system. Coupled with reasonable comfort and convenience and the lowest journey cost per person when carrying two or more passengers, this supports the government’s policy to encourage the deployment of EVs.</p> <p>Travelling by train is perhaps the best option overall for one person making this journey. The total cost is less than half that of taking a car. Emissions are around a third of the diesel car. Comfort is good, with the opportunity to work or relax.</p> <p>Making the whole journey more convenient will help encourage more people to travel by train and help reduce transport emissions. But this will require national and local governments to:</p> <ul> <li> <p>encourage Kiwirail to provide more frequent services</p> </li> <li> <p>electrify all lines</p> </li> <li> <p>provide cheap and efficient “first-and-last-mile” services to railway stations</p> </li> <li> <p>undertake a major education campaign to illustrate the full cost, carbon emissions and convenience benefits resulting from leaving the car at home.<!-- 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; text-shadow: none !important;" src="https://counter.theconversation.com/content/165526/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> </li> </ul> <p><span><a href="https://theconversation.com/profiles/ralph-sims-204224">Ralph Sims</a>, Emeritus Professor, Energy and Climate Mitigation, <em><a href="https://theconversation.com/institutions/massey-university-806">Massey University</a></em></span></p> <p>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/convenience-comfort-cost-and-carbon-whats-the-best-way-to-travel-save-money-and-cut-emissions-165526">original article</a>.</p> <p><em>Image: <span class="attribution"><span class="source">Shutterstock/Matej Kastelic</span></span></em></p>

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How much do you need to retire comfortably?

<p><span>Calculating how much money you’ll need for your retirement can be difficult because you need to take a number of factors into account including how much money you have now, how long it will last you and what your plans are for your future.</span></p> <p>The other factors you need to take into account include your lifestyle and the number of years you’ll spend retired.</p> <p>Additionally, estimating how much you’ll have when you plan to retire depends on factors such as your current salary, super balance and assets. With so many factors, it’s easy to see why you might need a retirement calculator to get an idea of your retirement savings needs.</p> <p>Companies such as AMP have <a href="https://www.amp.com.au/retirement/calculator/retirement-calculator">retirement calculators</a> on their sites and you can use these to get an indication of whether there’s a shortfall between how much you are estimated to have and how much you’ll need in retirement, and put a plan in place to address the situation.</p> <p><strong>How much is enough for retirement?</strong></p> <p>The Association of Superannuation Funds of Australia (ASFA) estimates that Australians aged around 65 who own their own home and are in relatively good health, will need between $535 and $837 per week for one person and between $774 and $1186 per week for a couple.</p> <p>The lower amount will be for a more modest lifestyle but this is still better than living on the <a href="https://www.amp.com.au/retirement/prepare-to-retire/retirement-pension-types">age pension</a>. While the higher amount would be for a more comfortable lifestyle with a broad range of leisure and recreational activities – including domestic and international travel.</p> <p>For Australians on above-average incomes, another rule of thumb to estimate how much money you’ll need in retirement is to assume you will require 67% (two-thirds) of your pre-retirement income to maintain the same standard of living.</p> <p><strong>What are your retirement lifestyle expectations?</strong></p> <p>Ultimately, how much money you'll need for your own retirement is very personal, and will depend on your own situation, wants, needs and lifestyle expectations. It may help to factor in your day-to-day spending habits, your recreational activities and hobbies and whether you’ll be entering retirement debt-free.</p> <p><strong>How long will you work for?</strong></p> <p>The age at which you retire can have a significant impact on how much money you have and how much money you need in retirement. It can depend on factors such as your health, debts, super balance, age you can access your super, whether you have dependants and your partner’s retirement plans (if you have one).</p> <p><strong>How long will you be retired?</strong></p> <p>Keep in mind if you're planning to retire at around the age of 65, it’s likely you’ll live for another 20 years or so. Men aged 65 can expect to live to 84.6 years, while women can expect to live to 87.3 years.</p> <p><strong>How much money will you have in retirement?</strong></p> <p>The money you use to fund your life in retirement will likely come from a range of different sources including the following:</p> <p><strong>Superannuation</strong></p> <p>Knowing your super balance is a crucial part of planning for retirement because it's likely to form a substantial part of your retirement savings.</p> <p><strong>The age pension</strong></p> <p>Depending on your circumstances and assets, you could be eligible for a full or part age pension or alternatively, you may not be eligible for government assistance at all. Check up on this by <a href="http://www.yourpension.com.au/APCalc/">visiting this age pension site</a> which has a calculator and you can ascertain your eligibility.</p> <p><strong>Investments, savings and inheritance</strong></p> <p>You may be planning to downsize your house, sell shares or an investment property, or use money you’ve saved in a savings account or term deposit to contribute to your retirement. Or perhaps an inheritance or the proceeds from your family’s estate may help you out in your later years. So these will all need to be taken into account.</p> <p><strong>How retirement calculators can help</strong></p> <p>If you use one of the <a href="https://secure.amp.com.au/ddc/public/ui/retirement-needs/">retirement calculators</a> available online, you can work out how much you’ll need in your retirement.</p> <p>Often when you go through all the steps of using a retirement calculator, it shows you how much you’ll need to fund your entire retirement and sometimes this points to a shortfall.</p> <p>While this news may seem scary, it’s not an uncommon situation. Luckily, finding out about the possible shortfall now means there may still be ways to boost your savings before retirement.</p> <p><span><strong>What do you do if you won’t have enough to retire?</strong></span></p> <p>If you find you’re facing a shortfall in retirement, there are several things you can do to get your retirement on track. You could consider boosting your super through additional contributions, delaying your retirement, adjusting your retirement lifestyle expectations, or selling other assets.</p> <p>Simply by having an idea of your current and projected retirement savings, thanks to using retirement calculators, you can work out a plan to improve your situation. The earlier you start, the easier it may be for you to reach your retirement goals.</p> <p><em>Image: Getty Images</em></p> <p><em> </em></p> <p><em> </em></p> <p><em> </em></p> <p><em> </em></p>

Retirement Income

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Prince Charles “deeply hurt” and seeking comfort in Camilla

<p><span>Prince Charles is said to be “deeply hurt” by his youngest son and his wife over their sit-down Oprah interview.</span><br /><br /><span>However not all hope is lost, as reports say the heir is keen on mending his broken relationship with Prince Harry.</span><br /><br /><span>The world tuned in when Meghan and Harry sat down with Oprah to share their experiences in being a part of the royal family.</span><br /><br /><span>In the two hour interview, Prince Harry revealed his father stopped taking his calls when they decided to step down from their roles as senior royals and also claimed his brother and dad are“trapped” in the institution.</span></p> <p><em><img style="width: 500px; height: 281.25px;" src="https://oversixtydev.blob.core.windows.net/media/7840300/chrle-harry.jpg" alt="" data-udi="umb://media/e1ca4277b469422e986818818ea85484" /></em></p> <p><em>Image: Getty</em><br /><br /><span>Despite what was painted as a fractured relationship, reports have stated that Prince Charles has plans to contact his son in the coming weeks to try and smooth things over.</span><br /><br /><span>“You are looking at a father who is deeply hurt by where he finds his relationship with his son,” a friend told the Daily Mail.</span><br /><br /><span>“But, after much reflection, he also realises that nothing good will come of prolonging the fight.</span><br /><br /><span>“He feels it is time to heal. Now is the time to mend a broken relationship.”</span><br /><br /><span>The prince is reportedly being comforted by his wife, Camilla, the Duchess of Cornwall, who "just wants it fixed".</span><br /><br /><span>Reports stated last week that Prince Charles was “in despair” over the interview where Meghan and Harry said they were cut off financially, Archie’s skin colour was made a concern before his birth, and the pressures and control the couple felt while working for The Firm.</span><br /><br /><span>Meghan was also candid about her mental health, admitting to Oprah that there were days where she “just wanted to die”.</span></p>

Relationships

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The benefits of living independently in the comfort of a secure community

<p><span>For many, downsizing and moving into a retirement home is not an easy decision. After all, you’re leaving the home you’ve known and loved for many years of your life.</span></p> <p><span>However, not having to worry about the daily upkeep of your home and garden could be considered a blessing – especially if your knees aren’t quite what they used to be!</span></p> <p><span>With retirement living communities being designed with comfort, convenience and your ideal lifestyle in mind, countless retirees are finding it easier to make the switch – in fact, many of Uniting’s residents who are currently enjoying all the benefits of a retirement living community say they wish they’d done it sooner.</span></p> <p><strong><span>What’s the difference between independent and assisted living?</span></strong></p> <p><span>It’s important to know that there is a difference between independent and assisted living.</span></p> <p><span><a href="https://www.uniting.org/uniting-westmead/retirement-independent-living">Independent living</a> means that you’re able to live your life exactly as you’re used to, but with more friends around as many retirement communities are a “village within a village”. This means that you’re surrounded by a supportive community but are still able to relax in the privacy of your own home.</span></p> <p><span><a href="https://www.uniting.org/uniting-westmead/assisted-living">Assisted living</a> means you’re able to get support if you need it, perhaps if you’re finding the chores more difficult than they used to be. It can also be helpful if you just want more free time for yourself.</span></p> <p><span>Some retirement communities, such as <a href="https://www.uniting.org/uniting-westmead">Uniting Westmead</a>, offer a range of services that can suit your needs.</span></p> <p><span>Warwick and Barbara are new Uniting Westmead residents, and they couldn’t be more thrilled about the change.</span></p> <p><span>“The house was a bit too much for us now,” explains Barbara.</span></p> <p><span>“We don’t have to worry about changing lightbulbs or tap washers now, and we have a community of people we can now mix with,” laughs Warwick.</span></p> <div class="embed-responsive embed-responsive-16by9"><iframe class="embed-responsive-item" src="https://www.youtube.com/embed/VzvLbe4ft2U"></iframe></div> <p><strong><span>How do I know which one is for me?</span></strong></p> <p><span>Independent living is ideal if you’re looking to hand over the upkeep of your home and garden and enjoy your time in a retirement village. With so many amenities on offer at Uniting Westmead, such as a seniors’ gym, hair and beauty salon, a community café and a vegetable garden, you’ll have more than enough on your plate to keep your schedule jam-packed.</span></p> <p><span>However, if you find that you’re struggling to keep on top of the housework or are having a bit more trouble physically with things than you used to, assisted living is for you. The right level of support can be tailored to each person’s requirements and you are able to add extra services to your plan if you need them.</span></p> <p><strong><span>What do the apartments look like? </span></strong></p> <p><span>The apartments have been designed with you in mind, with features that are bound to make your life easier. These include generous doorways, windows and corridors as well as level flooring. </span></p> <p><img style="width: 500px; height: 281.25px;" src="https://oversixtydev.blob.core.windows.net/media/7838279/body-uniting.png" alt="" data-udi="umb://media/6cdaf209f8bb4a88bc0988e6447c1a39" /></p> <p><span>If you’re worried about what might happen if you’re injured in your home, you needn’t be. This is due to the 24-hour emergency call system that’s in place in every apartment.</span></p> <p><span>You can relax and enjoy open plan living spaces, a private balcony or courtyard as well as stainless steel appliances included in the apartment.</span></p> <p><span>In the hotter summer months, it’s easy to keep cool with air conditioning as well as window furnishing, which are included.</span></p> <p><span>Uniting Westmead is also right in the heart of Sydney, which is a key concern for Barbara and Warwick.</span></p> <p><span>“The location is perfect, it’s across the road from Parramatta Park, which is ideal for the grandchildren,” says Barbara.</span></p> <p><span>Warwick is also impressed with the location of the units.</span></p> <p><span>“We didn’t want to be too far away from hospitals, but still wanted to be close to the family,” he explains. “We did our research, and as far as we’re concerned, Uniting ticked all the boxes.”</span></p> <p><span>See what you may be missing out on, as you can chat to someone today who has made the move into Uniting Westmead.</span></p> <p><strong><em><span>This is a sponsored article produced in partnership with </span></em></strong><span><a href="https://ad.doubleclick.net/ddm/clk/478579433;284977294;l"><strong><em>Uniting Westmead</em></strong></a><strong><em>.</em></strong></span></p>

Retirement Life

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"Unbelievable": Sam Armytage comforts Vic woman after heartless quarantine denial

<p>Sam Armytage has tried her best to comfort a Victorian woman who fears her father will die while she's in quarantine at a hotel in Brisbane.</p> <p>Helen Dudok is currently pleading with QLD Premier Annastacia Palaszczuk to let her say goodbye to her father.</p> <p>Dudok travelled from a declared COVID-19 hotspot in the Macedon Ranges and had her request to quarantine at her parents home denied by state health officials.</p> <p>She now fears her 87-year-old father Michael Tomek will pass away while she completes her mandatory 14-day quarantine and is unable to understand why she can't complete her quarantine at her parents' isolated property.</p> <p>“There’s no one at my parent’s house except for my parents and my sister who is looking after them day and night, 24/7, completely alone,” she said on Monday.</p> <p>“I only asked to go there to help so between the two and us we can look after mum and dad.”</p> <p>“I’ve offered to have a COVID test, I’ve offered to have an ankle bracelet to prove that I won’t be leaving my parent’s place.”</p> <blockquote class="twitter-tweet"> <p dir="ltr">"It is unbelievable.. that is one of the most heartless things I have ever heard"<br /><br />A Victorian woman's battle to be with her dying dad in Queensland has left <a href="https://twitter.com/sam_armytage?ref_src=twsrc%5Etfw">@Sam_Armytage</a> shocked. <a href="https://t.co/QxS3DBzO8x">pic.twitter.com/QxS3DBzO8x</a></p> — Sunrise (@sunriseon7) <a href="https://twitter.com/sunriseon7/status/1305263902310109184?ref_src=twsrc%5Etfw">September 13, 2020</a></blockquote> <p>She claims a Queensland Health official said she can delay her fathers funeral if he passes away before she's released from hotel quarantine.</p> <p>“They said that should my dad pass away, that’s ok, because they will hold his body in a morgue and I can arrange the funeral once I come out.”</p> <p>Sam Armytage was visibly shocked after hearing the story.</p> <p>“It is unbelievable. That is one of the most heartless things I have ever heard,” she said.</p> <p>“Helen, I am so sorry for you and I hope that some sense comes fast to Queensland Health and that you are allowed out to see your parents.”</p> <p>“Just hang in there.”</p>

News

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The psychology of comfort food - why we look to carbs for solace

<p>Amid the global spread of COVID-19 we are witnessing an increased focus on gathering food and supplies.</p> <p>We’ve seen images of supermarket shelves emptied of basics such as toilet paper, pasta, and tinned foods. Messages to reassure people there would be continued supply of provisions has done little to ease public anxiety.</p> <p><a href="https://www.bbc.com/worklife/article/20200304-coronavirus-covid-19-update-why-people-are-stockpiling">Panic buying and stockpiling</a> are likely responses to heightened anxiety, fear and uncertainty about the future. COVID-19 poses an imminent threat.</p> <p>Being able to exert some control over the situation by gathering goods to store for lockdown is one way individuals seek to manage anxiety and fear, and feel protected. But why do we seek out certain foods, and should we give in to cravings?</p> <p><strong>Retreating into our pantries</strong></p> <p>On the one hand, newly stocked and plentiful pantries, fridges and freezers reassure us that food is readily available and puts supplies within easy reach. At the same time, feelings such as loneliness, anxiety, depression, and stress may increase as we retreat and become housebound. So, we may be more vulnerable to what is referred to as “emotional eating” during this challenging time.</p> <p>Reaching out for food to comfort oneself is an attempt to manage or alleviate negative emotions. A person’s tendency to emotionally eat can be measured using questionnaires such as the <a href="https://www.sciencedirect.com/science/article/pii/S019566631200013X">Emotional Eating Scale</a>, which asks about eating in response to anxiety, depression and anger.</p> <p>From an early age, <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC3907771/#B65">infants learn to associate feeding with being soothed</a> and social interaction. In everyday life, food is often used to enhance mood or “treat” ourselves. <a href="https://www.ncbi.nlm.nih.gov/pubmed/30595479">Eating tasty food releases dopamine</a> in our brains, which is strongly associated with desire and wanting for food.</p> <p>Eating sweet and fatty foods <a href="https://www.ncbi.nlm.nih.gov/pubmed/16546294">may improve mood temporarily</a> by making us feel happier and more energetic while also satisfying our hunger. However, if comfort eating becomes a habit, it often comes with health costs, such as <a href="https://www.ncbi.nlm.nih.gov/pubmed/30894189">weight gain</a>.</p> <p>Research by <a href="https://www.sciencedirect.com/science/article/abs/pii/S0195666318300874">Mantau and colleagues in 2018</a> found emotional eating is most likely to occur in response to stress and in individuals who are trying restrict their food intake (“restrained eaters”). These factors were more important in explaining people’s food choices than biological factors such as hunger.</p> <p>Other studies have also shown that trying to suppress food urges can be futile and have the opposite effect to the desired outcome. For example, dieters have been found to <a href="https://www.sciencedirect.com/science/article/abs/pii/S0195666312000219">experience strong cravings</a> for the very foods they were trying to restrict.</p> <p><strong>Doing it tough</strong></p> <p>Employment insecurity, financial difficulty and hardship due to the COVID-19 pandemic are affecting the lives of many people. <a href="https://www.cambridge.org/core/services/aop-cambridge-core/content/view/985DE9F19CEA4165BE1E85A022BEFDFB/S0007125000253737a.pdf/inequality_an_underacknowledged_source_of_mental_illness_and_distress.pdf">Past</a> <a href="https://jech.bmj.com/content/71/4/324">research</a> has shown that poverty is associated with psychological distress, including higher rates of depression and lower mental well-being. Again, people’s ways of coping with this distress could have further ramifications for their health.</p> <p>Research <a href="https://onlinelibrary.wiley.com/doi/full/10.1002/oby.22402">shows</a> those in lower socioeconomic circumstances were more distressed, and more likely to turn to emotional eating as a way of coping. This emotional eating was, in turn, associated with increased body weight.</p> <p>This suggests it is not distress or biological make-up but people’s ways of coping (using food) that may be critical in explaining why some people gain weight in response to stressful life events. <a href="https://www.annualreviews.org/doi/abs/10.1146/annurev.psych.031809.130711">People with a history of socioeconomic disadvantage </a> may also find it harder to cope with emotional distress, perhaps due to factors such as lower social support. As a result, they may be more vulnerable to using food as a way of coping.</p> <p><strong>Toasty crusty goodness</strong></p> <p>Baking has become a strong theme on social media. The #BakeCorona hashtag has <a href="https://www.sbs.com.au/food/article/2020/03/23/hashtag-connecting-home-bakers-isolation">taken off</a> and <a href="https://www.instagram.com/explore/tags/quarantinebaking/">#QuarantineBaking</a> has over 65,000 posts.</p> <p>Research suggests there are likely benefits from engaging in cooking. The <a href="https://www.ncbi.nlm.nih.gov/pubmed/29121776">psychosocial benefits of baking</a> have been shown to include boosts in socialisation, self-esteem, quality of life, and mood. <a href="https://www.ncbi.nlm.nih.gov/pubmed/29955728">Cooking with children</a> may also promote healthy diets.</p> <p>By providing and sharing food with other people, baking may <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC3907771/#B65">strengthen social relationships and make us feel closer to our loved ones</a>. This may explain why it has become so popular in these times.</p> <p><strong>Coping with lockdown</strong></p> <p>During this time of social isolation, it’s tempting to reach for food, but a healthy balance remains important.</p> <p>Creating a “new routine” or “new normal” which includes a variety of activities – exercise, baking, music, reading, online activities, working or studying, relaxing, keeping in touch with friends and family - may help maintain a sense of well-being, and assist in managing meal times and food intake.</p> <p><a href="https://www.mindful.org/mindfulness-how-to-do-it/">Mindfulness meditation practice</a> may be useful in managing emotional eating and weight. Research has shown that Mindfulness Based Interventions (MBIs) are effective in <a href="https://www.ncbi.nlm.nih.gov/pubmed/24854804">managing emotional eating</a>, <a href="https://www.ncbi.nlm.nih.gov/pubmed/29076610">reducing weight and improving obesity-related eating behaviours</a>.</p> <p>Weight management initiatives should encompass psychological factors such as mood and distress. Teaching people to develop positive coping strategies in these challenging times (problem solving, positive help seeking, relaxation techniques) may be particularly effective.</p> <p><em>Written by Joanne Dickson and Charlotte Hardman. Republished with permission of <a href="https://theconversation.com/the-psychology-of-comfort-food-why-we-look-to-carbs-for-solace-135432">The Conversation.</a> </em></p>

Food & Wine

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How to seek medical advice from the comfort of your own home

<p>Australians can now seek medical advice from their GP or mental health professional from the comfort of their living room without being left out of pocket. </p> <p>They can phone or video call their medical professional and bulk bill as part of new Government measures to try and contain the coronavirus, a move very much needed, that will also change the way many view telehealth.</p> <p>The list of medical professionals people can now access for bulk-billed telehealth consultations includes - GP’s, midwives, psychologists, nurses, psychiatrists, paediatricians, speech pathologists, physiotherapists and occupational therapists for services for children with developmental delays. Also Aboriginal and Torres Strait Islander Health Practitioners as well as social workers and dieticians for eating disorders.</p> <p>You may be surprised to know telehealth has been in existence for over a decade yet the uptake has been slow and fragmented in this country. </p> <p>This is despite its success to date  - it improves access to health care for those in rural and regional areas, it’s more affordable, reduces the risk of infection spreading and there’s less strain on hospital emergency departments.</p> <p>People think of telehealth as simply enabling people to seek medical help and advice via phone or online using video technology such as FaceTime and Skype, but it has gone beyond just this. </p> <p>New technologies such as Artificial Intelligence can help clinicians vastly increase their patient risk assessments by helping to automatically assess data providing key indications that may flag issues missed in traditional testing methods.</p> <p>As Australians start using telehealth, and we expect unprecedented numbers will, and they witness first hand how effective it is we will see it start to become the norm. </p> <p>This is not the first time telehealth has been used in disaster situations before - Hurricane Sandy in 2012, the 2011 earthquake in Japan as well as the Boston Blizzard in 2014. In the 2003 SARS outbreak, one-fifth of reported infections were in health-care workers. Healthcare systems are easily stretched beyond their limits and it’s critical the health-care workers are kept well, so they can attend to the surge in required services. </p> <p>As patients get access to expert medical advice while maintaining social distancing ..this shift will start to change the mindset of both the clinical and patient community, helping normalise the remote delivery of gold class clinical care.</p> <p>Our work at <a href="https://maxwellplus.com/">Maxwell Plus </a>in the diagnosis of prostate cancer is fully remote for the vast majority of our patients. We centralise the clinical expertise and use telehealth and other technologies to make that widely available. </p> <p>At the same time, we utilise the excellent existing infrastructure through partnering with pathology and radiology services all over the country. </p> <p>I think patients everywhere are starting to understand that top quality care can be delivered in many different ways.</p> <p><img style="width: 500px; height: 281.25px;" src="https://oversixtydev.blob.core.windows.net/media/7835444/headshot-1.jpg" alt="" data-udi="umb://media/c83ceb8eea9140dcb99123a18c388fee" /></p> <p><em>Written by Dr Elliott Smith.</em></p>

Technology

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4 virtual tours you can do from the comfort of your home

<p>More and more people are cancelling their trips and staying indoors in an effort to limit the spread of the new coronavirus.</p> <p>However, you can still explore other parts of the world from the comfort of your home.</p> <p>Here are some virtual tours you can go on.</p> <ol> <li><strong> Wellington, New Zealand</strong></li> </ol> <p>While the capital of New Zealand remains physically off limits, aspiring visitors can take a stroll around the city through a virtual reality game.</p> <p>In WellTown, which is described as “the world’s first gamified virtual city”, people can try out different Wellingtonian experiences, ranging from an underwater dive in the capital’s harbour to a stargazing session during Matariki.</p> <p>Users can also stand next to the All Blacks at Westpac Stadium as well as tour the National Museum of New Zealand Te Papa and learn more about movie production at the Oscar-winning Weta Workshop.</p> <p>Those with VR headsets can access the interactive experiences through Steam and Oculus VR stores. Some of the 360-virtual trips have also been made available on <a href="https://www.youtube.com/playlist?list=PLSYQLfOl2OcLb7R5PRLPeczsSy5ohZqgc">Youtube</a>.</p> <ol start="2"> <li><strong> Yosemite National Park, US</strong></li> </ol> <p>While the Californian national park is closed indefinitely in the wake of the growing pandemic in the US, visitors can zip around the cliffs and waterfalls through the <a href="https://www.virtualyosemite.org/">Virtual Yosemite site</a>.</p> <p>Trail across the famous Half Dome, see the majestic view of Washburn Point from the Glacier Point Road and watch the dawn break at the million-year-old Mono Lake.</p> <ol start="3"> <li><strong> Musée d’Orsay, Paris, France</strong></li> </ol> <p>The Paris museum boasts a vast trove of paintings, sculptures, furniture and photography – all of which can be viewed on <a href="https://artsandculture.google.com/partner/musee-dorsay-paris?hl=en">Google Arts &amp; Culture</a>.</p> <p>The collection ranges from Vincent Van Gogh’s iconic <em>Self-Portrait </em>to Alexandre Cabanel’s <em>The Birth of Venus</em>. You can also click on the artist to find more of their works on the platform.</p> <ol start="4"> <li><strong> Georgia Aquarium, Atlanta, US</strong></li> </ol> <p>Zoos across the world have closed their doors until further notice, but Georgia Aquarium is offering live views of their marine animals through <a href="https://www.georgiaaquarium.org/webcam/beluga-whale-webcam/">special webcams</a>.</p> <p>See how African penguins, beluga whales and sea otters spend their day with no human visitors, or learn more fun facts about harbor seals and puffins on the animal guide.</p>

International Travel

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The one comfort Shane Fitzsimmons has in the middle of devastating bushfires

<p>For NSW RFS boss Shane Fitzsimmons, the last few months have been a trying and exhausting time – but there has been one source of comfort he has found.</p> <p>While appearing on Studio 10, the RFS NSW Commissioner emotionally admitted in his moments of struggle, he has had “three wonderful women” in his life who keep his emotions at bay and strength unwavering.</p> <p>"In those darkest of moments... ringing my wife is one of the most important things I do, shedding a few tears here and there, and talking through what is happening," he told the panel.</p> <p>"My family keeps me very, very grounded. My wife is an absolute rock, and my daughters."</p> <p>“I’m blessed to have three wonderful women in my life at home.”</p> <p>Fitzsimmons, who met his wife Lisa back when he was just a volunteer with RFS and Lisa’s father was a local fire control officer, said there were few challenges back then for the pair.</p> <p>"I remember there were a few challenges, when she would say to her parents, 'I'm never getting involved with anyone in this bloody organisation'!'" Fitzsimmons joked.</p> <p>"They do remind her about that now."</p> <p>The RFS is in Fitzsimmons' blood -- he followed in his father's footsteps, joining as a volunteer at 15.</p> <p>"I've effectively grown up in the organisation, which is why I love it so much," he said.</p> <p>Tragically, in June 2000 Fitzsimmons' father George and three other firefighters were killed during a hazard reduction burn in Ku-ring-gai Chase National Park.</p> <p>The horrific situation left him considering whether he should step back from his duties, however the tragedy he says, helped ground his resolve to defend the RFS record on reduction burning, and insists the strategy is “complicated”.</p> <p>"Hazard reductions are not without risk, and not without consequences. I am very dismissive of people that say we should just go out there and light up the bush, because it’s a load of rubbish," he told the panel. </p> <p>"There are very real risks for those who are executing the burning strategy, but there are also implications."</p> <p>"I did think for a while, that if something like that could happen to my dad with all of those decades of experience, that I've got to give this game away," he said.</p> <p>"But that thought didn't last long. I'm a big believer in [the fact that] you can have everyone on the sideline pontificating about what should happen, but if you want to see change, you have to be part of the process."</p> <p>Fitzsimmons said the RFS has been working on issues around science and climate change in its business cases and planning for many years.</p>

Relationships

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Prince William and Duchess Kate comfort fellow parents at mental health event

<p>The Duke and Duchess of Cambridge met with the father of 14-year-old Molly Russell after the teenager took her own life.</p> <p>They spoke to her father Ian Russell, who has been campaigning tirelessly to help raise awareness about mental health ever since his daughter passed due to seeing suicide related posts on Instagram.</p> <p>William has previously put tech giants on blast as he believes they aren’t doing enough to prevent bullying and other problems. He questioned whether they could do better during the Shout messaging helpline event at Troubadour White City Theatre.</p> <p>The second-in-line to the throne wrote to Mr Russell and his family earlier in the year, offering his condolences. Molly, 14, from Harrow in northwest London, committed suicide in November 2017 after viewing graphic material on self-harm and suicide.</p> <p>Today, he asked the young girl’s father: “Do you think companies like Instagram are doing enough?”</p> <p>He then added: “If we can help you in any way please let us know.”</p> <p>Mr Russell has previously accused Instagram of “helping to kill” his daughter after the family discovered she had been “suggested” disturbing posts on Instagram and Pinterest about anxiety, depression, self-harm and suicide.</p> <p>“My thoughts on Instagram are, we’re grateful that they’re doing something but I think they’re only really inching along the road, and they need to do a lot more,” he said.</p> <p>Since her passing, the social media app has promised to ban graphic self-harm photos from its site.</p> <p>Scroll through the gallery to see William and Kate at the Shout messaging helpline event.</p>

International Travel

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Most Aussies missing the target for a comfortable retirement

<p><span style="font-weight: 400;">New research by the Association of Superannuation Funds of Australia (ASFA) shows that most Australians are missing the target for a comfortable retirement.</span></p> <p><span style="font-weight: 400;">Their new </span><a href="https://www.superannuation.asn.au/ArticleDocuments/359/1907-Better-Retirement-Outcomes-a-snapshot-of-account-balances-in-Australia.pdf.aspx?Embed=Y"><span style="font-weight: 400;">study</span></a><span style="font-weight: 400;"> shows that median super balances for retiring Aussies aged 60 to 64 are only $154,453 for men and $122,848 for women.</span></p> <p><span style="font-weight: 400;">This is well below the $545,000 figure that ASFA estimates is needed for a comfortable retirement.</span></p> <p><span style="font-weight: 400;">While retirement savings have grown significantly in recent years, ASFA chief executive Dr Martin Fahy said that it’s going to be several years before the median balance reaches the standard for a comfortable lifestyle. </span></p> <p><span style="font-weight: 400;">“Once the legislated increase of the Superannuation Guarantee to 12 per cent is in place, ASFA projects around half of Australians will be living comfortably in retirement by 2050, which is just over double the current proportion,” Dr Fahy said to </span><a href="https://thenewdaily.com.au/money/superannuation/2019/07/24/super-balances-less-comfortable/"><span style="font-weight: 400;">The New Daily</span></a><span style="font-weight: 400;">.</span></p> <p><span style="font-weight: 400;">Combined Pensioners and Superannuants Association chief executive Paul Versteegehas said that average retirement balances are “quite low” considering the system of superannuation has been in place for more than 25 years. However, he has reinforced that the figure given by ASFA doesn’t suit everyone.</span></p> <p><span style="font-weight: 400;">“For some people, that’s too much, for others it will be far too small,” Mr Versteege said.</span></p> <p><span style="font-weight: 400;">“We need to let government and Australian citizens define what it means to have enough, and not leave it to ASFA or the superannuation funds.”</span></p> <p><span style="font-weight: 400;">Eva Scheerlinck, chief executive of the Australian Institute of Superannuation Trustees has agreed, saying that the amount of savings needed will vary from person to person.</span></p> <p><span style="font-weight: 400;">“All benchmarks have their limitations due to the various assumptions they make about lifestyle and expenditure patterns,” she told </span><span style="font-weight: 400;">The New Daily</span><span style="font-weight: 400;">.</span></p> <p><span style="font-weight: 400;">“For example, the current benchmark for a ‘comfortable’ retirement of around $43,000 a year for a single person might be generous by some people’s living standards, but inadequate for the increasing cohort of single people who retire without owning a home.</span></p> <p><span style="font-weight: 400;">“For this latter category, increasing the compulsory super contribution rate to 12 per cent will be critical.”</span></p>

Money & Banking

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Neil Perry’s secret to cooking restaurant quality meals from the comfort of your home

<p><span style="font-weight: 400;">Iconic Australian chef Neil Perry appeared on the </span><span style="font-weight: 400;">Today</span><span style="font-weight: 400;"> show to explain how good cooking doesn’t necessarily mean that it needs to be complicated or time-consuming to end up with a fantastic final result.</span></p> <p><span style="font-weight: 400;">He’s launching </span><span style="font-weight: 400;">The Good Food Cookbook,</span><span style="font-weight: 400;"> where a group of high profile celebrity chefs have come together to show punters just how easy it is to cook these stand out dishes in the comfort of their own homes.</span></p> <p><span style="font-weight: 400;">“Some of the best recipe writers in the country have gotten together and collaborated on great simple food to cook at home” Neil said.</span></p> <p><span style="font-weight: 400;">“We all know that restaurants are one thing but cooking from needs to be simple and fast. Also, interesting and delicious.”</span></p> <p><span style="font-weight: 400;">The cookbook aims to give hope to everyday cooks and for them to gain the confidence to dive into more complicated gourmet recipes.</span><span style="font-weight: 400;"><br /></span><span style="font-weight: 400;">It also aims to provide home chefs with a base for experimenting with a restaurant standard dish.</span></p> <p><span style="font-weight: 400;">“We want people to cook our recipes in kitchens. The worst thing for any of us is to have those recipes printed, and know that no one is going to try it”</span></p> <p><span style="font-weight: 400;">“The joy is the great feedback you get. When people say, I loved that one, I go back to it all the time. That’s why we write these recipes”.</span></p> <p><span style="font-weight: 400;">The book features over 100 recipes and features a range of easy weeknight dishes to the more complicated Neil Perry dish, which is spicy braised lamb with apricots, pistachios and roast pumpkin.</span></p> <p><span style="font-weight: 400;">The chapters are easily labelled for those who are looking for vegetarian, vegan and gluten-free recipes.</span></p>

Food & Wine

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How much do you need to live comfortably in retirement?

<p class="p1">When thinking of the golden years, it’s nice to picture ourselves relaxing on a sun lounge on a yearly holiday or living near the grandkids and being able to treat them once in a while. That’s retiring comfortably. But how much do you need to do that? Here are the things you should to consider.</p> <p class="p3"><strong>How much do you need to live comfortably in retirement?</strong><br />It’s a common question but one that can be quite difficult to answer. How much you will need in retirement depends on many things including the lifestyle you choose, any unexpected costs that crop up, and how long you live.</p> <p class="p1"><strong>Living longer</strong><br />Due to medical advances, Australia’s population is ageing. And, living longer means there’s more time to be spent in retirement.</p> <p class="p1">With more time in retirement, you’ll need to have a plan in place not only to make sure you can do the things you want, but to ensure that your money lasts as long as you do.</p> <p class="p2"><strong>Did you know... </strong><br />A woman aged 65 years could expect to live another 21.8 years while a man aged 65 years could expect to live another 18.9 years. </p> <p class="p1"><strong>What lifestyle will you choose?</strong><br />Many people don’t put a retirement plan in place because they think they can rely on the age pension. However, the age pension is unlikely to provide the lifestyle that you’d choose for yourself. For example, the age pension payment is equivalent to $421.40 per week for a single person and $635.30 per week for a couple. </p> <p class="p3"><strong>What does your retirement dream look like?</strong><br />Do you want to be able to afford and maintain a reasonable car, a wardrobe of nice clothes and the latest electronic equipment? Or what about being able to participate in a range of leisure and recreational activities or treating yourself to domestic, or occasional overseas holidays?</p> <p class="p3"><strong>How much is enough?</strong><br />The answer depends on what you want to do in your retirement. As a guide, a couple needs around $58,444 a year (assuming they own their own home) for a ‘comfortable’ retirement that allows a broad range of leisure and recreational activities, electronic and home appliance upgrades, occasional dining out and travel. In comparison, the maximum age pension amount for a couple is only $33,717 – or just over half. <br />Which amount of income would you prefer to receive?</p> <p><strong>Super strategies to help</strong><br />Because of the concessional tax treatment that superannuation receives, it is one of the most tax-effective ways you can save for your retirement. If you are over age 50 your concessional contributions cap will be $35,000 and for anyone under 50 it will be $30,000. It’s important to maximise your limits each year in the lead up to retirement.</p> <p>There are many super strategies you can use to boost your super. A salary sacrifice strategy, for example, will not only boost your super, but reduce the amount of tax you pay. If you are making money after tax contributions while the annual limit is higher, following the ‘bring forward’ rule can contribute up to three times the annual limit.</p> <p><em>This article was republished with permission of <a href="https://www.wyza.com.au/articles/money/financial-planning/how-much-do-you-need-to-live-comfortably-in-retirement.aspx">Wyza.com.au.</a></em></p> <p> </p>

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