Placeholder Content Image

Cruise worker shares what you should always take into a lifeboat

<p dir="ltr">A cruise ship worker has shared the six essentials you should always take if you ever need to get into the lifeboat on a cruise. </p> <p dir="ltr">Lucy Southerton, who has worked on cruise ships for nine years, regularly shares cruising advice on social media to help travellers get the most out of their voyage. </p> <p dir="ltr">In her most recent video, Lucy shared invaluable advice on what items you should take on a lifeboat in the event of an emergency. </p> <p dir="ltr">While many people would instinctively leave all their belongings behind in an emergency, Lucy said there are six things you should always take. </p> <p dir="ltr">The first thing to bring in the event of an emergency is your documentation, such as a form of ID, such as a passport, driving licence or even a visa.</p> <p dir="ltr">The second thing may surprise some people, as Southerton recommends always having lip balm in case of emergencies. </p> <p dir="ltr">The cruise worker said, “[In a life-threatening situation] the body prioritises the distribution of water to essential organs such as the liver and the brain.” </p> <p dir="ltr">“Because of this, the lips receive no water so they are going to dehydrate faster, meaning they could crack. If you are in a lifeboat for a long period of time, your lips are going to be one of the first things that suffer so you should protect them at all costs.”</p> <p dir="ltr">Thirdly, Lucy recommends you should always have sunscreen, as you never know how long you will be exposed to the elements for. </p> <p dir="ltr">She said, “If you are sitting directly under the hatch or where they take the roof off to let the breeze in, you're going to want a hat or sun cream to protect yourself from the beating sun.”</p> <p dir="ltr">“This is not as much of a priority as lip balm, but if you can get hold of some sun cream before entering a lifeboat then you should.”</p> <p dir="ltr">Next up, the veteran cruise-ship worker said you should always take layers of clothes that you can easily take on and off in changing weather.</p> <p dir="ltr">Lucy's penultimate item that passengers should always take on a lifeboat might seem obvious but she warned that it is essential for those who take medication on a regular basis to bring it with them. </p> <p dir="ltr">However, she added, “What they don't tell you to take is stuff like paracetamol, ibuprofen, aspirin, Sudocrem and ointments.” </p> <p dir="ltr">“'While you may not need these types of medication, somebody else on your lifeboat might - it's better to have it and not need it than the reverse scenario. Just shove them in your pocket just in case.”</p> <p dir="ltr">Last but not least, Lucy said you should - as obvious and essential as it may seem - never forget to take water on board a lifeboat. </p> <p dir="ltr">She stressed that “there is only so much water you can fit in a lifeboat, so the water is going to be rationed out”. </p> <p dir="ltr">Lucy continued, “If you can take extra water on board with you, do it, even if it's just in the form of an extra water bottle. [Humans] cannot last long without water so make sure you grab some if you are able to.”</p> <p dir="ltr">Finishing up the video, Lucy reassured passengers that “getting into a lifeboat is the absolute last resort”, adding that it is more likely that anyone on board the ship is taken to an assembly station while emergency services on board attempt to fix any issues that could arise. </p> <p dir="ltr"><em>Image credits: Instagram / Shutterstock </em></p> <p></p>

Cruising

Placeholder Content Image

Readers response: What is one holy grail item you always pack on a holiday?

<p>When it comes to packing for a holiday, everyone has that one special item that they make sure they have packed safely. </p> <p>Sometimes that one must-have thing can mean the difference between a good and bad holiday. </p> <p>We asked our readers what their holy grail travel item is, and the responses were overwhelming. Here's what they said. </p> <p><strong>Wendy Parsons</strong> - Small fold-up umbrella.</p> <p><strong><span dir="auto">Antoinet</span></strong><span dir="auto"><strong>te Devlin</strong> - </span><span dir="auto">Definitely my phone and kindle.</span></p> <p><span dir="auto"><span dir="auto"><strong>Lorraine Lenthall </strong>- Gym shoes.</span></span></p> <p><span dir="auto"><span dir="auto"><span dir="auto"><strong>June Debono</strong> - My bunny called Dude. I'm a Grandma and he goes everywhere with me. A well travelled </span></span></span><span dir="auto"><span dir="auto"><span dir="auto">rabbit!</span></span></span></p> <p><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><strong>Anita Thornton</strong> - My down pillow!</span></span></span></span></span></p> <p><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><strong>Gail Morgan</strong> - Champagne sealer.</span></span></span></span></span></span></p> <p><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><strong>Helen Holt</strong> - My crafts! Sewing, crocheting and knitting.</span></span></span></span></span></span></span></p> <p><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><strong>Sue Perryman</strong> - Vegemite.</span></span></span></span></span></span></span></span></p> <p><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><strong>Kathie Kirsop</strong> - Ear plugs because you never know who’s going to be your neighbour.</span></span></span></span></span></span></span></span></span></p> <p><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><strong>Meg Hallissy</strong> - A sarong. Very versatile!</span></span></span></span></span></span></span></span></span></span></p> <p><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><strong>Felicity Jill Murphy</strong> - A torch. I always pack a torch that has fresh batteries in it.</span></span></span></span></span></span></span></span></span></span></span></p> <p><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><strong>Sue Bailey</strong> - Lots! Phone, charger, knee pillow, head pillow (chiro approved), folding foot stool.</span></span></span></span></span></span></span></span></span></span></span></span></p> <p><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><strong>Chris Ballard</strong> - Comfy shoes.</span></span></span></span></span></span></span></span></span></span></span></span></span></p> <p><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><span dir="auto"><strong>Carol Hanson</strong> - Lots of b</span></span></span></span></span></span></span></span></span></span></span></span></span></span>ooks.</p> <p><strong>Juliet Vance</strong> - Everything I can think of.</p> <p><em>Image credits: Shutterstock</em></p> <p> </p> <p> </p> <p> </p> <p> </p>

Travel Trouble

Placeholder Content Image

6 extra items to pack when travelling by yourself

<p>Travelling alone can be a life changing experience, but it also requires a few extra precautions. Pack these six things to keep yourself safe.</p> <p><strong>1. Doorstop</strong></p> <p>A simple wedge of wood or plastic can give you priceless peace of mind in a hotel room. Even if you lock the door, people might be able to break the lock or use a cloned key. A doorstop quickly and easily wedges it shut so you can sleep easy. If you want to go one step further, you can get special doorstop alarms that will emit a loud siren if anyone tries to force the door.</p> <p><strong>2. Extra lock</strong></p> <p>There are endless uses for an extra padlock or bike lock-style cable. You can double up on your hotel door, secure your train carriage or ship cabin, double lock your suitcase or chain it to something sturdy. Compact, sturdy locks are relatively cheap and easy to carry with you, and will deter most thieves or intruders looking for an easy mark.</p> <p><strong>3. First aid kit</strong></p> <p>If you don’t have a travel buddy to send down to the chemist, a simple first aid kit can be a lifesaver. Keep it stocked with band aids, basic bandages, pain killers, antibiotics, antihistamines and gastro meds, along with anything else you think will be useful. If you are really unwell, you’ll obviously need to see a doctor, but having the first line of defence within easy reach is always smart.</p> <p><strong>4. Whistle or personal alarm</strong></p> <p>If you will be walking through unfamiliar cities at night (or even in the day), a whistle or personal alarm can give you a feeling of security. If anyone unsavoury approaches you, a loud noise will startle them and generally scare them off. It also draws the attention of other people and makes them aware of your predicament.</p> <p><strong>5. Small torch</strong></p> <p>Never underestimate the power of a little light to make you feel safe. It’s great for finding your way through dark streets, looking for your keys in your bag or seeing the lock on your hotel door. You can get small lights that attach to a keychain or wallet and give out a surprisingly bright light. People are less likely to approach you if they feel they will be seen.</p> <p><strong>6. Fake wedding ring</strong></p> <p>This one is for the ladies – in some countries an unmarried woman is seen as an easy target. Buying a cheap, fake wedding ring can give you a simple cover. Men may be less likely to approach you and, if they do, you can simply say your husband is in the next shop or waiting for you back at the hotel.</p> <p><em>Image credits: Shutterstock </em></p>

Travel Tips

Placeholder Content Image

How would a switch to nuclear affect electricity prices for households and industry?

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/roger-dargaville-1832">Roger Dargaville</a>, <a href="https://theconversation.com/institutions/monash-university-1065">Monash University</a></em></p> <p>Peter Dutton has announced that under a Coalition government, seven nuclear power stations would be built around the country over the next 15 years.</p> <p>Experts have declared nuclear power would be <a href="https://www.abc.net.au/news/2024-06-20/power-prices-wont-fall-with-nuclear/103998172">expensive</a> and <a href="https://www.afr.com/politics/federal/nuclear-to-cost-17b-and-take-until-2040-to-build-csiro-20240521-p5jfaj#:%7E:text=Nuclear%20could%20cost%20up%20to,until%202040%20to%20build%3A%20CSIRO&amp;text=Peter%20Dutton's%20nuclear%20energy%20plans,operational%20until%20at%20least%202040.">slow to build</a>.</p> <p>But what might happen to energy prices if the Coalition were to win government and implement this plan?</p> <h2>How might we estimate the cost of nuclear?</h2> <p>By 2035, 50–60% of the existing coal-fired fleet will very likely <a href="https://aemo.com.au/-/media/files/stakeholder_consultation/consultations/nem-consultations/2023/draft-2024-isp-consultation/draft-2024-isp.pdf">have been retired</a>, including Vales Point B, Gladstone, Yallourn, Bayswater and Eraring – all of which will have passed 50 years old.</p> <p>These five generators contribute just over 10 gigawatts of capacity. It’s probably not a coincidence that the seven nuclear plants proposed by Dutton would also contribute roughly 10 gigawatts in total if built.</p> <p>Neither my team at Monash University nor the Australian Energy Market Operator has run modelling scenarios to delve into the details of what might happen to electricity prices under a high-uptake nuclear scenario such as the one proposed by the Coalition. That said, we can make some broad assumptions based on a metric known as the “levelised cost of electricity”.</p> <p>This value takes into account:</p> <ul> <li> <p>how much it costs to build a particular technology</p> </li> <li> <p>how long it takes to build</p> </li> <li> <p>the cost to operate the plant</p> </li> <li> <p>its lifetime</p> </li> <li> <p>and very importantly, its capacity factor.</p> </li> </ul> <p>Capacity factor is how much electricity a technology produces in real life, compared with its theoretical maximum output.</p> <p>For example, a nuclear power station would likely run at 90–95% of its full capacity. A solar farm, on the other hand, will run at just 20–25% of its maximum, primarily because it’s night for half of the time, and cloudy some of the time.</p> <p>CSIRO recently published its <a href="https://www.csiro.au/en/research/technology-space/energy/gencost">GenCost</a> report, which outlines the current and projected build and operational costs for a range of energy technologies.</p> <p>It reports that large-scale nuclear generated electricity would cost between A$155 and $252 per megawatt-hour, falling to between $136 and $226 per megawatt-hour by 2040.</p> <p>The report bases these costs on recent projects in South Korea, but doesn’t consider some other cases where costs have blown out dramatically.</p> <p>The most obvious case is that of <a href="https://www.edf.fr/en/the-edf-group/dedicated-sections/journalists/all-press-releases/hinkley-point-c-update-1">Hinkley Point C nuclear plant</a> in the United Kingdom. This <a href="https://www.reuters.com/business/energy/edfs-nuclear-project-britain-pushed-back-2029-may-cost-up-34-bln-2024-01-23/">3.2GW</a> plant, which is being built by French company EDF, was recently <a href="https://www.edf.fr/en/the-edf-group/dedicated-sections/journalists/all-press-releases/hinkley-point-c-update-1">reported</a> to be now costing around £34 billion (about A$65 billion). That’s about A$20,000 per kilowatt.</p> <p>CSIRO’s GenCost report assumed a value of $8,655 per kilowatt for nuclear, so the true levelised cost of electricity of nuclear power in Australia may end up being twice as expensive as CSIRO has calculated.</p> <hr /> <p><iframe id="Aryx7" class="tc-infographic-datawrapper" style="border: none;" src="https://datawrapper.dwcdn.net/Aryx7/4/" width="100%" height="400px" frameborder="0"></iframe></p> <hr /> <h2>Other factors play a role, too</h2> <p>Another factor not accounted for in the GenCost assumptions is that Australia does not have a nuclear industry. Virtually all the niche expertise would need to be imported.</p> <p>And very large infrastructure projects have a nasty habit of <a href="https://www.cis.org.au/publication/bungles-blowouts-and-boondoggles-why-australias-infrastructure-projects-cost-more-than-they-should/">blowing out in cost</a> – think of Snowy 2.0, Sydney’s light rail project, and the West Gate Tunnel in Victoria.</p> <p>Reasons include higher local wages, regulations and standards plus aversion from lenders to risk that increases cost of capital. These factors would not bode well for nuclear.</p> <p>In CSIRO’s GenCost report, the levelised cost of electricity produced from coal is $100–200 per megawatt-hour, and for gas it’s $120–160 per megawatt-hour. Solar and wind energy work out to be approximately $60 and $90 per megawatt-hour, respectively. But it’s not a fair comparison, as wind and solar are not “dispatchable” but are dependent on the availability of the resource.</p> <p>When you combine the cost of a mix of wind and solar energy and storage, along with the cost of getting the renewable energy into the grid, renewables end up costing $100–120 per megawatt-hour, similar to coal.</p> <p>If we were to have a nuclear-based system (supplemented by gas to meet the higher demands in the mornings and evenings), the costs would likely be much higher – potentially as much as three to four times if cost blowouts similar to Hinkley Point C were to occur (assuming costs were passed on to electricity consumers. Otherwise, taxpayers in general would bear the burden. Either way, it’s more or less the same people).</p> <h2>But what about the impact on your household energy bill?</h2> <p>Well, here the news is marginally better.</p> <p>Typical retail tariffs are 25-30 cents per kilowatt-hour, which is $250–300 per megawatt-hour. The largest component of your energy bill is not the cost of generation of the electricity; rather, it’s the cost of getting the power from the power stations to your home or business.</p> <p>In very approximate terms, this is made up of the market average costs of generation, transmission and distribution, as well as retailer margin and other minor costs.</p> <p>The transmission and distribution costs will not be significantly different under the nuclear scenario compared with the current system. And the additional transmission costs associated with the more distributed nature of renewables (meaning these renewable projects are all over the country) is included in the estimate.</p> <p>According to my back-of-the-envelope calculations, your retail tariff under the nuclear scenario could be 40–50c per kilowatt-hour.</p> <p>But if you are a large energy consumer such as an aluminium smelter, you pay considerably less per kilowatt-hour as you don’t incur the same network or retailer costs (but the cost of generating electricity in the first place makes up a much bigger proportion of the total cost).</p> <p>So if the cost of electricity generation soars, this hypothetical aluminium smelter’s energy costs will soar too.</p> <p>This would be a severe cost burden on Australian industry that has traditionally relied on cheap electricity (although it’s been a while since electricity could be described as cheap).</p> <h2>A likely increase in energy costs</h2> <p>In summary, in a free market, it is very unlikely nuclear could be competitive.</p> <p>But if a future Coalition government were to bring nuclear into the mix, energy costs for residential and especially industrial customers would very likely increase.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/232913/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/roger-dargaville-1832">Roger Dargaville</a>, Director Monash Energy Institute, <a href="https://theconversation.com/institutions/monash-university-1065">Monash University</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/how-would-a-switch-to-nuclear-affect-electricity-prices-for-households-and-industry-232913">original article</a>.</em></p> </div>

Money & Banking

Placeholder Content Image

Airport worker steals half a million dollars of personal items

<p>A trusted worker at Sydney Airport has been jailed for two years after stealing more than $450,000 worth of personal items from airport cargo. </p> <p>The 38-year-old man from Western Sydney, who was a freight handler at the airport, was identified as a potential suspect when the thefts of personal electronic items were first reported in February 2022.</p> <p>Several months later, he was found with $189,000 cash in the boot of his car, according to Australian Federal Police. </p> <p>The AFP then found that a further $261,000 had been transferred into the man’s personal bank accounts, after a number of stolen devices had been “sold, gifted, or kept for personal use”.</p> <p>“This money, which totalled $450,000, was criminal proceeds generated from the sale of the stolen electronic devices,” AFP said.</p> <p>The man was charged with receiving stolen property and knowingly dealing with proceeds of crime, while his partner, a 45-year-old woman, was charged with two counts of dealing with money or other property reasonable to be suspected of being proceeds of crime under $100,000.</p> <p>The pair pleaded guilty to the charges in December 2023, and on Wednesday the man was sentenced to three years and four months in jail, with a non-parole period of two years.</p> <p>The woman was to an intensive corrections order of 70 hours community service.</p> <p>AFP Sydney Airport Police Commander Morgen Blunden said the pair was “motivated by profit and greed”.</p> <p>“People with trusted access in an airport precinct are critical to the successful operation of Australia’s tourism and trade sectors,” Blunden said.</p> <p>“But the AFP will not hesitate to investigate and prosecute those who abuse this trust. AFP has zero tolerance for those to abuse their access to air-side operations for their illegal pursuits.”</p> <p><em>Image credits: Shutterstock</em></p>

Travel Trouble

Placeholder Content Image

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

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

Money & Banking

Placeholder Content Image

How household gas leaks affect your home in Adelaide

<p dir="ltr" style="line-height: 1.38; margin-top: 12pt; margin-bottom: 12pt;"><span style="font-size: 11pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">If you're an Adelaide local, you'll know the city is as notorious for its hot summers as it is for its icy winters. One common necessity across all seasons is the reliance on gas. Be it for the central heating in winter or that gas oven whipping up a delightful roast, we can't really do without it. However, any discussion about gas and electricity supply here would be incomplete without addressing household gas leaks in Adelaide.</span></p> <p dir="ltr" style="line-height: 1.38; margin-top: 18pt; margin-bottom: 4pt;"><span style="font-size: 17pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">The Silent Stalker: Gas Leaks</span></p> <p dir="ltr" style="line-height: 1.38; margin-top: 12pt; margin-bottom: 12pt;"><span style="font-size: 11pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">Often undetected and woefully underestimated, gas leaks can become a real concern if not addressed promptly. The main culprit in residential settings usually boils down to faulty gas appliances. An incorrectly installed gas appliance or ageing unit can develop leaks over time, silently emitting gas into your living space.</span></p> <p dir="ltr" style="line-height: 1.38; margin-top: 18pt; margin-bottom: 4pt;"><span style="font-size: 17pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">Signs of a Gas Leak</span></p> <p dir="ltr" style="line-height: 1.38; margin-top: 12pt; margin-bottom: 12pt;"><span style="font-size: 11pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">So, what are the </span><a style="text-decoration: none;" href="https://cyberairconditioning.com.au/blog/what-do-gas-leaks-smell-like/"><span style="font-size: 11pt; font-family: Arial,sans-serif; color: #1155cc; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: underline; -webkit-text-decoration-skip: none; text-decoration-skip-ink: none; vertical-align: baseline; white-space: pre-wrap;">indicators of a gas leak</span></a><span style="font-size: 11pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">? In the absence of an instinctive warning, we might unknowingly be dealing with a perilous scenario right at our fingertips. Luckily, nature offers us a clear heads-up: our sense of smell. Indeed, that rotten-egg-like aroma you sniff is likely due to the addition of a chemical called Mercaptan to your natural gas supply, which serves as a leak alert. Thus, if your nose detects something unpleasant in the air, it's a credible signal that a gas leak is present.</span></p> <p dir="ltr" style="line-height: 1.38; margin-top: 12pt; margin-bottom: 12pt;"><img src="https://oversixtydev.blob.core.windows.net/media/2023/12/GasLeaks02.jpg" alt="" width="1280" height="720" /></p> <p dir="ltr" style="line-height: 1.38; margin-top: 12pt; margin-bottom: 12pt;"><span style="font-size: 11pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">Apart from the smell, other signs include a higher-than-usual gas bill, dead patches on your lawn, or the persistent sound of a hissing near gas lines.</span></p> <p dir="ltr" style="line-height: 1.38; margin-top: 12pt; margin-bottom: 12pt;"><span style="font-size: 11pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">So what do you do if you suspect a gas leak? Well, common sense and caution are your top mates here.</span></p> <p dir="ltr" style="line-height: 1.38; margin-top: 18pt; margin-bottom: 4pt;"><span style="font-size: 17pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">When a Gas Leak Occurs</span></p> <p dir="ltr" style="line-height: 1.38; margin-top: 12pt; margin-bottom: 12pt;"><span style="font-size: 11pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">Start by making sure you're not creating an ignition source. This means avoiding lighting matches or using a cigarette lighter inside your home. Similarly, don't operate electrical equipment close to the suspected leak area.</span></p> <p dir="ltr" style="line-height: 1.38; margin-top: 12pt; margin-bottom: 12pt;"><span style="font-size: 11pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">Ensuring good air circulation is paramount in such situations, so swing open your doors and windows to facilitate the diffusion of the gas. If the odour is overpowering, promptly guide your loved ones and pets to a secure location outdoors.</span></p> <p dir="ltr" style="line-height: 1.38; margin-top: 12pt; margin-bottom: 12pt;"><img src="https://oversixtydev.blob.core.windows.net/media/2023/12/GasLeaks03.jpg" alt="" width="1280" height="720" /></p> <p dir="ltr" style="line-height: 1.38; margin-top: 12pt; margin-bottom: 12pt;"><span style="font-size: 11pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">Once you're in a safe position, immediately dial emergency services. And remember, attending to a gas leak isn't a task you just anyone can do.</span></p> <p dir="ltr" style="line-height: 1.38; margin-top: 18pt; margin-bottom: 4pt;"><span style="font-size: 17pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">What Happens If a Gas Leak Goes Unnoticed</span></p> <p dir="ltr" style="line-height: 1.38; margin-top: 12pt; margin-bottom: 12pt;"><span style="font-size: 11pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">A frequently unobserved gas leak can pose significant dangers in your home. While it's crucial to heed the signs, smell gas, and call in professional help, it's also vital to understand what can happen if a gas leak goes unnoticed. As Adelaide homeowners, it's our responsibility to remain well-informed on the consequences of an ignored gas leak and be prepared to take swift action.</span></p> <p dir="ltr" style="line-height: 1.38; margin-top: 14pt; margin-bottom: 4pt;"><span style="font-size: 13pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">Health Hazards</span></p> <p dir="ltr" style="line-height: 1.38; margin-top: 12pt; margin-bottom: 12pt;"><span style="font-size: 11pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">The primary danger of an unnoticed gas leak is its potential health impacts. Being exposed to leaking gas—from devices like stoves, heaters, or your gas water heater—can induce an array of symptoms, including <a href="https://www.oversixty.com.au/health/body/6-ways-to-combat-headaches-without-painkillers" target="_blank" rel="noopener">headaches</a>, dizziness, nausea, and weariness. These minor symptoms could potentially worsen to more critical health conditions, such as breathing difficulties, memory impairment, and in severe situations, unconsciousness.</span></p> <p dir="ltr" style="line-height: 1.38; margin-top: 12pt; margin-bottom: 12pt;"><span style="font-size: 11pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">Furthermore, carbon monoxide, an invisible and odourless hazardous gas that occurs from malfunctioning gas or electrical appliances, can lead to carbon monoxide poisoning. This condition can display symptoms resembling flu but can escalate to chronic neurological impairment or even prove fatal in the long run.</span></p> <p dir="ltr" style="line-height: 1.38; margin-top: 14pt; margin-bottom: 4pt;"><span style="font-size: 13pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">Fire or Explosion Risk</span></p> <p dir="ltr" style="line-height: 1.38; margin-top: 12pt; margin-bottom: 12pt;"><span style="font-size: 11pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">A more immediate danger of an unnoticed gas leak is the potential for a fire or explosion. When the concentration of leaked gas in the air reaches a threshold level, even the smallest spark or open flame can ignite it. This might result from someone lighting a match or a cigarette lighter or inadvertently switching on an electrical device near the gas leak source.</span></p> <p dir="ltr" style="line-height: 1.38; margin-top: 12pt; margin-bottom: 12pt;"><span style="font-size: 11pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">Consequently, the ignited gas can cause a destructive fire or explosion, leading to significant property damage, serious injuries, or fatalities.</span></p> <p dir="ltr" style="line-height: 1.38; margin-top: 14pt; margin-bottom: 4pt;"><span style="font-size: 13pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">Environmental Impact</span></p> <p dir="ltr" style="line-height: 1.38; margin-top: 12pt; margin-bottom: 12pt;"><span style="font-size: 11pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">Say, for example, your outdoor gas metre is damaged or the gas pipes buried in your garden develop leaks. The escaped gas can cause harm to your plants and lawn, creating dead patches of grass, discoloured vegetation, or stunted growth. Furthermore, prolonged leaking of natural gas can contribute to greenhouse gas emissions, aggravating the issues of air pollution and climate change.</span></p> <p dir="ltr" style="line-height: 1.38; margin-top: 18pt; margin-bottom: 4pt;"><span style="font-size: 17pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">Call in the Experts: Licensed Gas Fitter</span></p> <p dir="ltr" style="line-height: 1.38; margin-top: 12pt; margin-bottom: 12pt;"><span style="font-size: 11pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">When it comes to gas leaks, it's critical not to mess with things you're not licensed to handle. In Adelaide, turn to a licensed gas fitter for gas leak repairs. Your gas fitter is trained in gas leak detection and repair gas leaks to ensure the safety of your home.</span></p> <p dir="ltr" style="line-height: 1.38; margin-top: 12pt; margin-bottom: 12pt;"><img src="https://oversixtydev.blob.core.windows.net/media/2023/12/GasLeaks04.jpg" alt="" width="1280" height="720" /></p> <p dir="ltr" style="line-height: 1.38; margin-top: 12pt; margin-bottom: 12pt;"><span style="font-size: 11pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">Further, regular inspections and proper installation of gas appliances can prevent gas leaks in the first place. If you've been regularly revamping your home with advanced gas installations and didn't already know this, well, you've been living under a rock, mate.</span></p> <p dir="ltr" style="line-height: 1.38; margin-top: 12pt; margin-bottom: 12pt;"><span style="font-size: 11pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">Proactive steps in your gas supply system, like the installation of carbon monoxide detectors and reviewing your gas metre's location, can help identify potential leaks and prevent dangerous carbon monoxide poisoning, exhibiting your perfect gumption.</span></p> <p dir="ltr" style="line-height: 1.38; margin-top: 18pt; margin-bottom: 4pt;"><span style="font-size: 17pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">Wrapping Up</span></p> <p dir="ltr" style="line-height: 1.38; margin-top: 12pt; margin-bottom: 12pt;"><span style="font-size: 11pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">As part of the Adelaide community, it's essential to be aware of the potential hazards that household gas leaks can introduce into our homes. A gas leak can spell disaster, from health risks to damage to our property. Being alert for the signs and knowing when to call in the professionals is our best defence against these leaks.</span></p> <p dir="ltr" style="line-height: 1.38; margin-top: 12pt; margin-bottom: 12pt;"><span style="font-size: 11pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">Secure your home from gas leaks with trusted </span><a style="text-decoration: none;" href="https://cyberairconditioning.com.au/locations/sa/air-conditioning-adelaide/"><span style="font-size: 11pt; font-family: Arial,sans-serif; color: #1155cc; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: underline; -webkit-text-decoration-skip: none; text-decoration-skip-ink: none; vertical-align: baseline; white-space: pre-wrap;">Air Conditioning Services in Adelaide</span></a><span style="font-size: 11pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">. Remember, it's always better to have a professional tend to leaks or complications with your plumbing gas system, rather than trying to be a hero and tackling it yourself. Prevent gas leaks, save lives, Adelaide!</span></p> <p><em><span id="docs-internal-guid-3fcd498c-7fff-1283-e93c-4b331fcbd12d">Images: Supplied.<br /></span></em></p> <p><em>This is a sponsored article produced in partnership with Cyber Air Conditioning.</em></p>

Home & Garden

Placeholder Content Image

Woman receives lifetime ban from cruise line over "illegal" item

<p>A 42-year-old mother has received a lifetime ban from Carnival Cruise Line voyages, after she attempted to board one of the company's ships with a seemingly innocent item. </p> <p>Melinda Van Veldhuizen, a nurse practitioner and mother of two from Texas, said she was treated "like a criminal" when cruise ship employees found a bag of the CBD “sleep tight” gummies in her luggage while at a port in Miami. </p> <p>Melinda told local news station <em>WPLG</em> she packed the gummies to help her get some sleep on the August trip she had planned to take with her family to celebrate both her 21st wedding anniversary with her husband and her son’s senior year of high school.</p> <p>Ms Van Veldhuizen was taken to a separate area of the security check-in when the discovery was made, and was questioned by Carnival security and police for two and a half hours. </p> <p>The mother was blocked from boarding the ship, and her husband and son also disembarked as they didn’t want to go on the cruise to Aruba, Curaçao and the Dominican Republic without her.</p> <p>The family had spent just under $9,000AUD on their planned vacation, Ms Van Veldhuizen’s attorney Daren Stabinski told the <em>Washington Post</em>.</p> <p>CBD is a compound commonly derived from hemp that doesn’t cause impairment or a “high,” and is different from marijuana's mind-altering substance of THC. </p> <p>CBD is becoming more readily available across the globe, and is used to treat ailments from chronic pain to sleeplessness. </p> <p>In most parts of the US, CBD products that contain no greater than 0.3 per cent of THC are legal. </p> <p>According to <em>WPLG</em>, Ms Van Veldhuizen’s gummies contained less than 0.01 per cent THC.</p> <p>Despite the product being legal in the state Ms Van Veldhuizen was departing from, the hemp product is prohibited by Carnival Cruise Lines.</p> <p>“While certain CBD products used for medicinal purposes may be legal in the US, they are not legal in all the ports we visit and therefore are also considered prohibited items,” its website states.</p> <p>Soon after Ms Van Veldhuizen was forbidden from going on the cruise she paid for, she received a letter from Carnival informing her she was banned from all Carnival ships for life.</p> <p>The letter signed by Captain Rocco Lubrano states that she will “not be permitted to sail on-board any Carnival Cruise Lines vessel in the future.”</p> <p>“This decision was based on your actions on the current cruise, which were a violation of the ship rules, interfered with the safety and/or enjoyment of other guests on the ship or caused harm to Carnival,” Mr Lubrano wrote.</p> <p>Ms Van Veldhuizen said she has taken more than a dozen Carnival cruises over the years and was freaked out by the letter and the whole experience, and was not expecting such a severe reaction. </p> <p>“I thought it was one of those situations where you’re like, ‘Oh shoot, I left a bottle of water in my backpack; you gotta throw it away,’ kind of thing like that happens at TSA,” she said.</p> <p>Ms Van Veldhuizen is pursuing an internal claim with Carnival, but has threatened to sue if her situation isn’t resolved “appropriately” and hired Mr Stabinski to assist her. </p> <p>“Out of all the cases I take, this one was just specifically outrageous,” Mr Stabinski said.</p> <p><em>Image credits: WPLG</em></p>

Travel Trouble

Placeholder Content Image

This bathroom item is dirtier than your toilet seat, according to a microbiologist

<p><strong>Bathrooms and germs </strong></p> <p>Bathrooms are filthy – there’s just no way around it. They’re home to toilets, sinks and showers and tend to be one of the dirtiest places in the home, no matter how often they’re on your cleaning schedule. And because the toilet seat plays host to your derrière, it’s easy to label this as the germiest spot in the bathroom. But research is disproving that notion.</p> <p>Overall, the hard surfaces – such as the toilet seat and floor – are scrubbed down often because they’re the first lines on your bathroom cleaning checklist. And many people focus on cleaning the toilet because nothing screams dirty like a line of biofilm in the toilet bowl. But what about other bathroom-specific items? Dr Charles Gerba, a microbiology professor at the University of Arizona, says that it’s the fabrics in our bathroom that deserve the most attention. Yes, your bathmat is actually dirtier than your toilet seat, followed by towels, including those facecloths (which is why you need to wash your towels often). Here’s what you need to know.</p> <p><strong>Are bathmats really that dirty?</strong></p> <p>“We’ve done a lot of research on the microbiology of homes and, more recently, the bathroom,” says Gerba. The bathmat is problematic for two reasons, he says. First, it gets wet when you’re getting out of the shower, and it stays wet and moist, often in a dark and damp room.</p> <p>The second issue is that many people wear shoes in the bathroom, a huge contributing factor to the dirt, grime and bacteria found on bathmats. “Almost 90% of all shoes have faecal bacteria on them,” Gerba says. “You’re walking in dog poop all the time, and you don’t know it.”</p> <p>Beyond tracking shoes throughout the house and across bathmats, Gerba also pointed out the potential of spray from the toilet to land on bathmats. The Ecological Fluid Dynamics Lab at the University of Colorado Boulder experimented to see how far water droplets were ejected into the air when flushing public restroom toilets. The airborne particles shoot out quickly, reaching as much as 1.5 metres above the toilet within 8 seconds. The droplets were unpredictable and landed on the walls around the toilet, including behind it, and also on the ceiling. Which means that depending on the proximity, spray from a toilet can easily touch down on a plush bathmat.</p> <p>But while some research might suggest closing the toilet seat cover at home before flushing, not everyone agrees with that solution. “When you close the lid, the spray then goes over the top of the toilet seat and hits the walls on the side because you’ve narrowed the opening, which makes the water shoot out at a higher speed,” Gerba says, adding that closing the lid also leads to the toilet seat and underside of the lid getting more contaminated.</p> <p><strong>How to prevent dirty bathmats</strong></p> <p>Whether or not you close the toilet seat, one thing is certain: Keeping your bathmat as dry as possible is important. One of the factors that make bathmats the dirtiest spot in the bathroom is that they sometimes stay damp for hours, depending on how humid your environment is, how many people are showering and how much water splashes on them. Drying off in the shower will keep your bathmat from getting soggy. You can also hang it to dry instead of leaving it on the floor, where it will stay wet longer.</p> <p>Another tip: If you don’t remove your shoes when entering your house, at least take them off before going into the bathroom (and clean your floors often). That way, you’re not tracking outside germs onto a bathmat where they can quickly and easily multiply. “When you get out of the shower, it’s moist,” Gerba says. “Any time we have a fabric, it absorbs water, and things like faecal bacteria will survive longer there than on hard surfaces.”</p> <p><strong>How to wash your bathmat</strong></p> <p>The hard surfaces in bathrooms are satisfying to spray and wipe down, which Gerba recommends doing every few days. But what about bathmats? You should wash your bathmat at least once a week, and not just to keep it fresh and fluffy, but importantly, to remove bacteria.</p> <p>The first step to washing bathmats is to check the care label and follow the instructions on the tag, including which temperature is best for the fabric. Most bathmats can be machine-washed, but be careful with rubber-backed bathmats, which shouldn’t be dried on high heat. In general, quick-drying fabrics, such as microfibre and chenille, can be good options because they dry fast and are easy to launder. Something you can easily wash twice per week is the healthiest option.</p> <p><em>Image credits: Getty Images</em></p> <p><em>This article originally appeared on <a href="https://www.readersdigest.com.au/food-home-garden/home-tips/this-bathroom-item-is-dirtier-than-your-toilet-seat-according-to-a-microbiologist" target="_blank" rel="noopener">Reader's Digest</a>. </em></p>

Home & Garden

Placeholder Content Image

Unlocking the wealth in your home for a better retirement

<p>In an era where the cost of living continues to rise, Australian retirees are facing unique financial challenges. Many find themselves in a situation where the bulk of their wealth is tied up in their family homes, leaving them with limited options to fund their retirement comfortably.</p> <p>That’s where <a href="https://householdcapital.com.au/" target="_blank" rel="noopener">Household Capital</a> steps in.</p> <p>As a specialist retirement funding provider, Household Capital offers a solution that empowers retirees to make the most of their home’s value.</p> <p>Through a helpful and enlightening Q&A session with Household Capital, we explore how their innovative approach allows retirees aged 60 and above to access their home wealth responsibly, providing flexible options such as regular income streams, lump sum payments, and even assistance for those still paying off mortgages!</p> <p>Whether you're looking to beat the cost-of-living crisis, help your children enter the property market, or simply secure a more comfortable retirement, Household Capital offers a pathway to a brighter financial future. Here’s how:</p> <h3>Q: What does Household Capital do?</h3> <p>A: Household Capital is a specialist retirement funding provider that provides responsible long-term access to your home wealth. Our approach aims to provide you with the best of both worlds – to continue living in your family home with the confidence to enjoy the retirement lifestyle you deserve.</p> <h3>Q: How does Household Capital help retired Australians?</h3> <p>A: If you’re like most Australian retirees, the majority of your wealth is probably tied up in your family home. This wealth is a valuable resource that could be used to improve your retirement funding and enhance your retirement lifestyle. Our Household Loan helps Australian homeowners aged 60 plus to unlock that wealth and put you in control of your retirement. Your home wealth can be drawn as a regular income, a lump sum payment to renovate your home, buy a new car or cover medical expenses, or both! Importantly, it provides flexibility and choice, so you can look to the future with confidence.</p> <h3>Q: How can Household Capital help me beat the cost-of-living crisis?</h3> <p>A: Many Australians are grappling with the rising cost of living. Food, medical costs, insurance premiums, petrol prices – it seems never ending. How do retired Australians manage this on a fixed income? In many cases, they don’t. Some give up doing things they love – other forgo necessities. Unlocking the wealth in your home can provide a regular income to supplement that received from your superannuation or government pension. You don’t have to go without. You can enjoy the lifestyle you deserve.</p> <h3>Q: I’m over 60 and still paying a mortgage – can you help me?</h3> <p>A: You may be one of the millions of Australians aged over 60 still paying off their home loan. Those principal and interest repayments can really stress budgets, especially as the interest rate for ‘old loans’ may be much higher than current rates for younger borrowers.<br />For some over 60s, it means they can’t retire when they want to. For others, it’s having to find that monthly repayment from a fixed income that’s already been stretched by increasing rates and inflation. There is a better way. Many of our customers use a Household Loan to refinance their bank loan. Because a Household Loan does not require regular repayments, your retirement income is freed up. Notably, there is no risk of foreclosure if you miss repayments – because regular repayments are not required. You can stay in your home as long as you want with guaranteed lifetime occupancy and retain 100 percent ownership, meaning you benefit fully from any growth in your home’s value.</p> <h3>Q: How can I help my kids get onto the property ladder?</h3> <p>A: Did you know the ‘bank of mum and dad’ is consistently ranked among Australia’s top ten lenders? Typically, funds are drawn from retirement savings, which can have a detrimental impact on the ‘bank’ over the longer term. If your retirement funding needs are in hand, you can use your home wealth to contribute to a first home buyers deposit or help children with mortgage expenses. This enables you to help children and grandchildren when they need it most and use your home wealth to help the next generation build theirs.</p> <h3>Q: How much home wealth could I unlock?</h3> <p>A: The amount of home wealth you could unlock is dependent on the Loan to Value ratio (LVR). The calculation takes multiple factors into account including the age of the youngest borrower and the value of your property. The LVR for a Household Loan starts at 20 percent of the agreed property value for those aged 60 and increases one percent per year thereafter.</p> <p>To see how much home wealth you could unlock, check out Household Capital’s <a href="https://householdcapital.com.au/home-equity-calculators/" target="_blank" rel="noopener">online calculator</a> or call and speak to one of their Australian-based retirement specialists on 1300 734 720.</p> <p><em>Applications for credit are subject to eligibility and lending criteria. Fees and charges are payable, and terms and conditions apply (available upon request). Household Capital Pty Limited ACN 618 068 214, Australian Credit Licence 545906, is the Servicer for the credit provider Household Capital Services Pty Limited ACN 625 860 764</em></p> <p><em>Image: Supplied.</em></p> <p><em>This is a sponsored article produced in partnership with Household Capital.</em></p>

Retirement Income

Placeholder Content Image

The life-saving item no Grey Nomad should travel without

<p>When General Practitioner Paul Kelly hung up his stethoscope after nearly 40 years of dedicated service, he had a retirement dream shared by many Australians – hitting the open road and exploring the world with his wife, Robyn.</p> <p>However, with a history of heart problems, he was understandably hesitant about venturing far from medical facilities. His concerns were put to rest when a groundbreaking device, <a href="https://cellaed.io/" target="_blank" rel="noopener">the CellAED personal defibrillator</a>, became available. Compact enough to fit in the glove box, this innovative device has opened up a world of possibilities for adventurers like Paul and Robyn.</p> <p>In Australia, a staggering 20,000 people suffer sudden cardiac arrests outside of hospitals each year. Sadly, only 10% of them survive. The introduction of CellAED, a handheld defibrillator, is changing these grim statistics by providing a lifeline to those in remote areas.</p> <p>Paul and Robyn are enthusiastic members of this country's growing community of grey nomads. According to ABS data, nearly 16 million caravan and camping trips were made last year, with the majority taken by individuals in the age group most at risk of cardiac arrest. Therefore, it's not surprising that an increasing number of travellers, like Paul, are arming themselves with a CellAED as they embark on adventures across the country.</p> <p>Paul attributes the device to giving him the peace of mind and confidence to travel far and wide. In the past year alone, he has spent over four months caravanning along the picturesque Murray River, explored the coastlines of New South Wales and Victoria, and even managed a European holiday to France. With no intention of slowing down, Paul's trusted travel companion, the handheld defibrillator, has granted him the freedom to explore the heart of Australia without constant worry.</p> <p>"Hopefully, we'll never have reason to use it," Paul says, "but it sure takes the stress out of wondering what we'd do in an emergency."</p> <p>The CellAED defibrillator was developed by the Australian startup, Rapid Response Revival. This groundbreaking device is a game-changer because it's more affordable, portable and easier to use than conventional Automated External Defibrillators (AEDs).</p> <p>Luke Starr, a spokesman for CellAED, emphasised the importance of addressing the issue of cardiac arrests in remote areas. He noted, "A key reason why so few survive sudden cardiac arrest is because help is too far away or too slow. CellAED was created to tackle that problem.</p> <p>"Travelling with a CellAED personal defibrillator isn't just about looking after yourself. It's about giving your traveling companions and the people you meet along the way a fighting chance if the unthinkable happens. Sudden cardiac arrest is survivable if it's witnessed by someone who knows what to do," Starr added.</p> <p>Starr further advised, "One of the best gifts you can give your travelling companions is learning how to recognise cardiac arrest and what to do if it happens. If someone has collapsed, is unresponsive, and isn't breathing normally, call emergency services, start CPR, and get a defibrillator onto their bare chest. If you can do this within the first couple of minutes of an arrest, you'll be giving the patient their best chances of survival."</p> <p>The CellAED invention aims to offer more people the opportunity to survive cardiac arrest without relying on sheer luck. With CPR training and a CellAED handy, individuals are prepared to save lives from cardiac arrest wherever they go.</p> <p>The groundbreaking invention comes after new research pointed towards alarming statistics about heart conditions in Australia, revealing that people living in regional, rural, or remote areas are 90% more likely to die from heart conditions caused by high blood pressure than their urban counterparts. The Heart of Inequality report from the Mary MacKillop Institute for Health Research (MMIHR) at ACU underscores the stark disparities in heart disease outcomes across Australia, particularly affecting regional and Indigenous communities.</p> <p>Key findings from the report include the continuous increase in the burden of chronic heart disease, with hundreds of thousands of hospital admissions for heart-related conditions among Australians aged 35 and over. Moreover, Indigenous Australians living in remote areas develop heart failure on average 20 years earlier than the general population.</p> <p><span style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;">So, as Australians continue to explore this vast and varied country, lifesaving innovations like the CellAED defibrillator are playing an increasingly crucial role in ensuring the safety and well-being of adventurers, particularly those in remote areas. </span></p> <p><em><span style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;">Images: CellAED</span></em></p>

Travel Trouble

Placeholder Content Image

We found 3 types of food wasters, which one are you?

<p><em><a href="https://theconversation.com/profiles/trang-nguyen-1454838">Trang Nguyen</a>, <a href="https://theconversation.com/institutions/university-of-adelaide-1119">University of Adelaide</a> and <a href="https://theconversation.com/profiles/patrick-oconnor-109973">Patrick O'Connor</a>, <a href="https://theconversation.com/institutions/university-of-adelaide-1119">University of Adelaide</a></em></p> <p>Each year, Australian households discard about <a href="https://workdrive.zohopublic.com.au/external/06152b9ff5971843391f39fc4d32a847e56fb907c167a4a645887b0a4bc43000">2.5 million tonnes of food</a>. Most (73%) of this food waste <a href="https://www.sciencedirect.com/science/article/pii/S0959652622042081">ends up in landfill</a>.</p> <p>This is costly and contributes to <a href="https://pubmed.ncbi.nlm.nih.gov/37118273/">escalating greenhouse gas emissions</a>, because food waste rotting in landfill produces methane. So reducing household food waste and diverting it from landfill saves money, improves food security and benefits the environment.</p> <p>To address the problem, we need to understand how people generate and dispose of food waste. In <a href="https://doi.org/10.1016/j.foodqual.2023.105000">our new study</a>, we found households fell into three categories – based on the amount of food wasted, how much of that waste was avoidable and how it was sorted. These insights into consumer behaviour point to where the most worthwhile improvements can be made.</p> <figure><iframe src="https://www.youtube.com/embed/JvAFaD5f1Lo?wmode=transparent&amp;start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe><figcaption></figcaption></figure> <h2>Three types of households</h2> <p>We conducted an online survey of 939 households in metropolitan Adelaide between April and May 2021.</p> <p>The sample closely matched the national Australian population in terms of gender, age and income.</p> <p>We asked about the types of food waste produced, the amount of food waste typically discarded in a week and motivations towards reducing and sorting food waste.</p> <p>We identified three distinct types of households:</p> <p><strong>Warriors</strong> are typically older and highly motivated to reduce and sort food waste. They generate minimal waste (9.6 litres per week), such as bones and vegetable peels, that is mostly unavoidable. This group comprised 39.6% of the sample.</p> <p><strong>Strugglers</strong> mainly consist of families with children who produce the largest amount of food waste (33.1 litres per week). They produce the highest proportion of avoidable food waste, such as uneaten fruits and vegetables, bread and cereals. They are moderately motivated to reduce and sort food waste, but more than half of their food waste still ends up in landfill. This group made up 19.6% of the sample.</p> <p><strong>Slackers</strong> are generally younger. They show little concern about reducing or sorting food waste. Slackers produce the smallest amount of food waste overall (9 litres a week), but the proportion of avoidable food waste (such as mixed leftovers) is significantly higher (38.9%) compared to warriors (24.5%). They are more than twice as likely to live in units, with 17.2% doing so, compared to just 7.8% of warriors. This group was 40.8% of the sample.</p> <figure class="align-center zoomable"><a href="https://images.theconversation.com/files/550951/original/file-20230928-27-f7cw8e.png?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=1000&amp;fit=clip"><img src="https://images.theconversation.com/files/550951/original/file-20230928-27-f7cw8e.png?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=754&amp;fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/550951/original/file-20230928-27-f7cw8e.png?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=600&amp;h=361&amp;fit=crop&amp;dpr=1 600w, https://images.theconversation.com/files/550951/original/file-20230928-27-f7cw8e.png?ixlib=rb-1.1.0&amp;q=30&amp;auto=format&amp;w=600&amp;h=361&amp;fit=crop&amp;dpr=2 1200w, https://images.theconversation.com/files/550951/original/file-20230928-27-f7cw8e.png?ixlib=rb-1.1.0&amp;q=15&amp;auto=format&amp;w=600&amp;h=361&amp;fit=crop&amp;dpr=3 1800w, https://images.theconversation.com/files/550951/original/file-20230928-27-f7cw8e.png?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=754&amp;h=454&amp;fit=crop&amp;dpr=1 754w, https://images.theconversation.com/files/550951/original/file-20230928-27-f7cw8e.png?ixlib=rb-1.1.0&amp;q=30&amp;auto=format&amp;w=754&amp;h=454&amp;fit=crop&amp;dpr=2 1508w, https://images.theconversation.com/files/550951/original/file-20230928-27-f7cw8e.png?ixlib=rb-1.1.0&amp;q=15&amp;auto=format&amp;w=754&amp;h=454&amp;fit=crop&amp;dpr=3 2262w" alt="Graphic explainer showing the three types of households with their typical characteristics and food waste behaviours." /></a><figcaption><span class="caption">The three types of households with their typical characteristics and food waste behaviours.</span> <span class="attribution"><a class="source" href="https://doi.org/10.1016/j.foodqual.2023.105000">Trang Nguyen using Canva.com</a>, <a class="license" href="http://creativecommons.org/licenses/by-nc-nd/4.0/">CC BY-NC-ND</a></span></figcaption></figure> <h2>What can households do about their food waste?</h2> <p>Reducing household food waste involves changing behaviours in both food management (“upstream”) and waste management (“downstream”).</p> <p>Upstream measures aim to prevent food waste in the first place. For example, households can avoid buying or cooking too much food. Supporting households to plan and buy just the right amount of food is a great starting point.</p> <p>Once food waste has been produced, downstream measures come into play. The focus shifts to how we handle and dispose of this waste.</p> <p>When households engage in food waste recycling they <a href="https://doi.org/10.3390/su131911099">start thinking more</a> about their behaviour including purchasing and cooking.</p> <p>In Australia, food waste management is mainly the responsibility of local councils.</p> <p>There are three ways to target household food waste management and drive behavioural change:</p> <ul> <li> <p>providing kerbside collection of food organics and garden organics, also known as “FOGO”</p> </li> <li> <p>changing social norms around food waste</p> </li> <li> <p>offering economic incentives and disincentives.</p> </li> </ul> <h2>1. Providing a FOGO system</h2> <p>Councils should provide this option at a minimum. This ensures sufficient infrastructure is available to support motivated households to sort food waste.</p> <p>Unfortunately <a href="https://experience.arcgis.com/experience/e6b5c78e1dac47f88e7e475ffacfc49b">fewer than half of Australian councils</a> provide a garden organics system and only a quarter of councils provide a FOGO system.</p> <p>You can explore <a href="https://experience.arcgis.com/experience/e6b5c78e1dac47f88e7e475ffacfc49b">the FOGO interactive map</a> to see how your area stacks up.</p> <p><a href="https://www.greenindustries.sa.gov.au/resources/adelaide-metro-kerbside-waste-performance-report-2021-22">Most councils in metropolitan Adelaide</a> provide access to food waste recycling through the FOGO bin. But <a href="https://doi.org/10.1016/j.jclepro.2022.134636">our research</a> indicates more than half of household food waste still ends up in landfill. So we need additional programs to promote more sustainable behaviours.</p> <h2>2. Changing social norms</h2> <p>Social norms, the unspoken rules about what behaviours are deemed appropriate, can drive behavioural change.</p> <p>Examples of promoting social norms around food waste reduction include a <a href="https://www.stopfoodwaste.com.au/stop-food-waste-nationwide-consumer-campaign-summit-communique/">nationwide consumer campaign</a> on stopping food waste and the <a href="https://www.cityofadelaide.com.au/resident/recycling-waste/kitchen-caddies/">kitchen caddy</a> for benches to increase convenience for collecting food waste.</p> <p>But our research suggests some groups, like slackers, remain unmotivated without additional incentives. Economic incentives might motivate this group to engage in more sustainable behaviours.</p> <h2>3. Economic incentives</h2> <p>Currently, Australians pay for waste management through their council rates. This is a “pay-as-you-own” system.</p> <p>The cost is determined by the property’s value, regardless of the amount of waste generated. Renters indirectly contribute to this cost by paying rent.</p> <p>Neither owner-occupiers nor renters have any incentive to reduce waste generation when the cost is levied on property value rather than the amount of waste.</p> <p>An alternative approach gaining momentum in other parts of the world is the “pay-as-you-throw” approach, such as <a href="https://www.collectors2020.eu/wcs-ppw/stockholm-se/">Stockholm</a> and <a href="https://pocacito.eu/sites/default/files/WasteCharging_Taipei.pdf">Taipei</a>. This system charges households based on the weight of their waste, usually the general waste that needs to be discarded in landfill, while the collection of food waste and other recyclables remains free to encourage waste sorting.</p> <p>Recent <a href="https://doi.org/10.1016/j.jclepro.2023.137363">research</a> in Italy shows pay-as-you-throw schemes result in significant reductions in both the quantity of waste and costs associated with waste disposal in many Italian municipalities.</p> <p>The reduced costs flow on to savings for councils that could potentially reduce waste management fees passed on to homeowners and renters through council rates. Giving households incentives to reduce waste and find alternatives to disposal encourages residents to place a higher value on food that may otherwise be sent to landfill.</p> <h2>Reducing food waste is a win-win</h2> <p>Tackling food waste is a win-win for people and the planet. It’s worth using various approaches to encourage people to change their behaviour.</p> <p>Our findings can help inform the design of interventions aimed at reducing and sorting food waste in specific segments of the Australian population.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/214482/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> <figure><iframe src="https://www.youtube.com/embed/Dx7RWtfgbVw?wmode=transparent&amp;start=11" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe><figcaption><span class="caption">No time to waste: Halving Australia’s food waste by 2030 (Fight Food Waste Cooperative Research Centre)</span></figcaption></figure> <p><a href="https://theconversation.com/profiles/trang-nguyen-1454838"><em>Trang Nguyen</em></a><em>, Postdoctoral Fellow, <a href="https://theconversation.com/institutions/university-of-adelaide-1119">University of Adelaide</a> and <a href="https://theconversation.com/profiles/patrick-oconnor-109973">Patrick O'Connor</a>, Associate Professor, <a href="https://theconversation.com/institutions/university-of-adelaide-1119">University of Adelaide</a></em></p> <p><em>Image credits: Getty Images</em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/we-found-3-types-of-food-wasters-which-one-are-you-214482">original article</a>.</em></p>

Food & Wine

Placeholder Content Image

3 household items that expire sooner than you think

<p>Milk, cheese and other fridge-dwelling food items are stamped with expiration dates that, should you choose to ignore them, will make themselves known via smell.</p> <p>But your house is actually peppered with items that require regular replenishment - many of which are outside of the kitchen.</p> <p>Thanks to this handy info, we're now aware of the many surprising household items that require a monthly or yearly upgrade.</p> <p>From knickknacks on your dresser to the staples in your pantry, your house is chock-full of items that can go bad.</p> <p>Here are a few of the most surprising.</p> <p><strong>Hydrogen Peroxide</strong></p> <p><span style="text-decoration: underline;"><em>Expires in:</em></span> 2 months</p> <p><span style="text-decoration: underline;"><em>Why:</em></span> Hydrogen peroxide, the versatile topical antiseptic used to prevent infection in cuts, scrapes, and minor burns, actually turns into water just two months after opening. An unopened bottle should be thrown out after one year.</p> <p><strong>Kitchen spices</strong></p> <p><span style="text-decoration: underline;"><em>Expires in:</em></span> 1-3 years</p> <p><span style="text-decoration: underline;"><em>Why:</em></span> Household kitchen spices, like cinnamon, cumin and basil, reportedly begin losing their lustre after just one year - both in terms of taste and smell. Brightside also claims that ground spices should be thrown out after just six months.</p> <p><strong>Mosquito repellents</strong></p> <p><span style="text-decoration: underline;"><em>Expires in:</em></span> 3 years</p> <p><span style="text-decoration: underline;"><em>Why:</em></span> Mosquito repellents are essentially useless after just two years, according to Brightside. You can usually tell if a bug repellent has expired by the smell - if one spray doesn't emit the pungent odour you've grown used to, it's time to throw it out.</p> <p><em>Written by Kelsey Clark. First appeared on <a href="http://www.Stuff.co.nz" target="_blank" rel="noopener"><span style="text-decoration: underline;"><strong>Stuff.co.nz</strong></span></a>. </em></p> <p><em>Image credits: Getty Images </em></p>

Home & Garden

Placeholder Content Image

Going up! The rising cost of living

<p>You don’t need to watch the news to know the cost of living is rising – and for many products and services, well above the headline inflation rate. The evidence is there every time you walk down a supermarket aisle, fill your car with petrol and open an energy bill. It’s at the doctor’s surgery and the pharmacy, the butcher and the baker. It seems that inflation’s appetite for your retirement income is insatiable.</p> <p>Then there’s the other unknown that affects your retirement income – the number of years you need to fund. None of us know how long we have to budget our retirement savings for.</p> <p>When your income is fixed at a rate to make it last across many years of retirement, something has to give. And for many people, the first things to go are those they enjoy most. A restaurant meal, trips to the cinema, exercise classes at the local gym. For others, more critical things may fall by the wayside – heating in winter, nourishing food, critical repairs to the home or car.</p> <p>If you’re worried that your retirement income won’t stretch to cover the rising cost of living over an unknown number of years, there are ways to boost it. Despite a recent dip in home values, strong growth over many years has seen the value of retirees’ home equity skyrocket. And now, you can unlock the wealth accumulated in your home to <a href="https://householdcapital.com.au/" target="_blank" rel="noopener">improve your retirement funding</a>.</p> <p>This wealth in your home can be used to fund a monthly or fortnightly income stream, to top up pension payments received from your super fund or the government. It can also be drawn as a lump sum – or a mix of capital <em>and</em> income. Access to capital is important – you can use it to repair or renovate your home, buy a new car or enjoy a holiday.</p> <p>Unlocking the wealth in your home enables you to live the retirement lifestyle you deserve in the home you love…without watching every dollar you spend or foregoing the important things that make you happy.</p> <p><strong>About Household Capital</strong></p> <p><a href="https://householdcapital.com.au/" target="_blank" rel="noopener">Household Capital</a> is a specialist retirement funding provider that provides responsible long-term access to home equity to meet the needs of an ageing population.</p> <p>We work with you to improve your retirement lifestyle: by enhancing retirement income, providing access to capital and improving retirement housing. Our approach aims to provide you with the best of both worlds – to continue living in your family home with the confidence to enjoy the retirement lifestyle you deserve.</p> <p>In providing access to your <a href="https://householdcapital.com.au/household-loan/" target="_blank" rel="noopener">home equity</a>, we offer you the choice and flexibility to use the wealth in your home in a variety of ways that suit you, today and in the future. These might include:</p> <ul> <li>Providing <a href="https://householdcapital.com.au/testimonials/bill/" target="_blank" rel="noopener">a regular income stream</a> through a regular drawdown facility, so the rising cost of living doesn’t mean going without</li> <li>Paying off <a href="https://householdcapital.com.au/testimonials/dennis/" target="_blank" rel="noopener">an existing mortgage</a> or other debt to free up your cashflow</li> <li>Setting up <a href="https://householdcapital.com.au/testimonials/john/" target="_blank" rel="noopener">a contingency fund</a> for those unexpected expenses, which can be drawn on as you need</li> <li>Covering the costs of in-home or residential aged care.</li> </ul> <p><strong>Our customers – Lynne, Raylene and Suzanne</strong></p> <p><iframe title="YouTube video player" src="https://www.youtube.com/embed/8Czho7sfH8I?si=Ih6vH8COkfvGR3xK" width="770" height="433" frameborder="0" data-mce-fragment="1"><span data-mce-type="bookmark" style="display: inline-block; width: 0px; overflow: hidden; line-height: 0;" class="mce_SELRES_start"></span><span data-mce-type="bookmark" style="display: inline-block; width: 0px; overflow: hidden; line-height: 0;" class="mce_SELRES_start"></span></iframe></p> <p>Lynne, Raylene and Suzanne have been friends for more than 30 years and although they no longer live in neighbouring suburbs, they get together at least weekly to laugh, to talk and to sew. The three of them sew quilts to donate to aged care facilities, where they are gratefully received by the residents.</p> <p>Lynne was the first to approach Household Capital. She needed a reliable car – but as a widow in her 70s, banks would not lend to her. Instead, Lynne unlocked her home wealth to purchase her new car and to set up a contingency fund to draw on in the event of unexpected expenses. She told her friends Raylene and Suzanne about Household Capital, as both were struggling to make ends meet. Raylene and Suzanne have now used their home wealth to each establish a regular income stream and a contingency fund, giving them confidence in their future and the flexibility to meet their financial needs.</p> <p>Despite the rising cost of living, you can take control of your retirement and Live Well At Home<sup>TM</sup> – and it’s Household Capital’s mission to facilitate that. After all, home can be both the best place to live and the right way to fund your retirement.</p> <p>To find out more about the retirement wealth source that most Australian retirees aren’t using, and see how much wealth you can unlock visit <a href="https://householdcapital.com.au/" target="_blank" rel="noopener">householdcapital.com.au</a> or call us <strong>1300 734 720</strong> to have an obligation free chat with one of our Australian based retirement funding specialists.</p> <p><em>Applications for credit are subject to eligibility and lending criteria. Fees and charges are payable, and terms and conditions apply (available upon request). Household Capital Pty Limited ACN 618 068 214, Australian Credit Licence 545906, is the Servicer for the credit provider Household Capital Services Pty Limited ACN 625 860 764</em></p> <p><em>Image: Supplied. </em></p> <p><em>This is a sponsored article produced in partnership with Household Capital.</em></p>

Retirement Life

Placeholder Content Image

10 pantry items you’re probably keeping for too long

<p><strong>Should you toss these pantry items?</strong></p> <p>It’s likely that many of the items you store in your pantry have a surprising expiration date months (or even years) from now. But just because a product hasn’t expired yet doesn’t mean that it’s in its ideal state for consumption.</p> <p>While you already know which foods you shouldn’t eat past the expiration date, like milk and cheese, it wouldn’t be surprising if you didn’t give a second thought about the food in your pantry. It may be worthwhile to double check the items you have had sitting in your pantry forever. And make sure you think about removing these foods that shouldn’t go in your pantry in the first place.</p> <p><strong>Quinoa</strong></p> <p>The shelf life of whole grains like quinoa and farro is largely dependent on their fat content. Heat, air, and moisture are the top three enemies of whole grains because the elements can negatively affect their healthy oils, which in turn can cause your grains to go rancid sitting in your pantry.</p> <p>“Grains should always look and smell faintly sweet or have no aroma at all,” states the Whole Grains Council. “If you detect a musty or oily scent, the grains have passed their peak.”</p> <p><strong>Turmeric</strong></p> <p>Your favourite ground spices like turmeric, paprika, and nutmeg generally lose their potency after about two to three years.</p> <p>Eating old spices isn’t harmful to your health, but they won’t add any flavour to your recipes anymore. Do a quick sniff and taste test to determine if your spice is still fresh.</p> <p><strong>Baking powder</strong></p> <p>The same rules for ground spices apply to baking ingredients as well. Bags of baking powder and baking soda will lose their leavening power over time, which means a sad, flat cake for you.</p> <p>You can test their leavening power with this easy science experiment in your kitchen: Mix baking soda with vinegar and baking powder with hot water. If they foam up and bubble, it means the ingredients are still fresh enough for baking.</p> <p><strong>Nuts and seeds</strong></p> <p>You’ll want to eat un-shelled nuts like almonds and peanuts within a matter of a few weeks to a few months. “Nuts and seeds typically have a high amount of oil in them and that oil will start to go rancid after a couple of months in your pantry,” Tryg Siverson, chef and co-founder of Feel Good Foods, told INSIDER.</p> <p>Signs of rancidity on a nut or seed include a grassy or paint-like odour and dark or oily appearance. For optimal freshness and longevity, place the nuts and seeds in a clear freezer bag and pop them in your fridge for up to a year.</p> <p><strong>Tea</strong></p> <p>Your tea bags should be consumed within a year because the oils in the tea will go old and give your morning cup of tea a bad flavour. The same goes for your coffee beans and grounds.</p> <p>According to Isabel Maples, MEd, RDN, a registered dietitian nutritionist, you’re best off consuming beans and grounds within two to four weeks. Instant coffee lovers have a bit more time: about two months.</p> <p><strong>Brown sugar</strong></p> <p>An opened bag of brown sugar tends to dry up and harden from exposure to the air after four months in your pantry.</p> <p>Slip the brown sugar into a resealable plastic bag or airtight container to keep it soft and make it last longer.</p> <p><strong>Olive oil</strong></p> <p>Light and heat are not olive oil’s friends. You shouldn’t get sick from an old bottle of olive oil, but an opened bottle of the stuff can taste a bit off after six months.</p> <p>If you don’t use olive oil often, only buy a small bottle so you can use it before the flavour spoils.</p> <p><strong>Whole grain flour</strong></p> <p>Most people store their flour in the pantry, but you should actually store it in the refrigerator or freezer to keep it fresh longer. And does flour ever expire? Whole grain flour lasts up to eight months in the fridge and up to a year in the freezer.</p> <p>“Whole grain flours turn rancid before white flour does,” Maples said. “It doesn’t affect food safety but does affect food quality and taste.”</p> <p><strong>Potatoes</strong></p> <p>The spuds typically last up to two weeks in the refrigerator and two months in the pantry. You’ll know their time is up when they start growing sprouts and developing soft black spots on the skin.</p> <p><strong>Brown rice</strong></p> <p>Although brown rice is a slightly healthier alternative to white rice, it doesn’t last nearly as long on your pantry shelf. “With brown rice, there is oil in its bran layer,” Siverson told INSIDER. “When that oil goes rancid, it gives brown rice a shorter shelf life of about six months. You can store it in the freezer for up to a year.”</p> <p><em>Image credits: Getty Images</em></p> <p><em>This article originally appeared on <a href="https://www.readersdigest.com.au/food-home-garden/10-pantry-items-youre-probably-keeping-for-too-long?pages=1" target="_blank" rel="noopener">Reader's Digest</a>. </em></p>

Food & Wine

Placeholder Content Image

The hidden dangers of household products

<p>The materials, fabrics and fragrances contained inside our homes are host to thousands of chemicals that may pose a threat to human health.</p> <p>Healthy home expert Nicole Bijlsma says there simply aren’t enough regulations to ensure the products and materials in our homes are safe for consumers.</p> <p>“We have this incredible, unregulated, chemical onslaught in our household products, personal care products, building materials and cleaning products which is why the burden of chemicals is increasing with each generation,” Bijlsma says.</p> <p>“Just because it’s on the supermarket shelf doesn’t mean it’s been tested.”</p> <p>The largely unregulated cleaning product industry is often placed under scrutiny in the fight against chemicals but Bijsma says this issue extends to all areas of the home.</p> <p>“What happens is we wait for the disease to occur in the general population before we look back and realise [the harm]…It’s a stupid system; it doesn’t protect consumers and it certainly does not protect the most vulnerable in our society– our children and the unborn fetus.”</p> <p>Only through thorough research can consumers determine where their products are being sourced, under what conditions they’ve been made and the impact they may have on health. Even then there are gaps.</p> <p>Imported items are not under the same regulations as those made in New Zealand.</p> <p>“A lot of the products, especially furnishings, you can’t load with formaldehyde but if you import them from Asia as most people do, they’re going to be loaded with chemicals…Bijlsma says. </p> <p>Bijlsma advises going back to basics when selecting materials and products, reducing the chemical load, choosing natural fibres and buying home made.</p> <p>“The big problem is most chemicals in building materials and household products have never been tested for their impact on human health,” Bijlsma says.</p> <p>Creating a healthy home is of the utmost importance to homeowner Irena Bukhshtaber, who has recently extended her  home to be 100 per cent sustainable and hypoallergenic.</p> <p>“Because our industry standards are so high, usually it’s a local product too…Watch out for imports, from floorboards to air-conditioning, as there’s no way to guarantee what they say on the label unless the seller can guarantee provenance or knows the company.”</p> <p>Despite the time-consuming research process (three years) of renovating the home to a healthy standard Bukhshtaber says the outcome has been worth the effort.</p> <p>“How difficult is it to live with sick or tired family members? How hard is it to live your values? If the outcome is positive then it’s not difficult, but it is time consuming and does require you to spend time researching, calling and discussing with suppliers.”</p> <p>To keep her costs down when renovating, Bukhshtaber advises determining the elements of a home that matter most to you, whether this be using recycled materials, limited chemicals, high-quality design, ethical manufacturing or buying New Zealand made.</p> <p>“None of these things are mutually exclusive but you do need a hierarchy in mind as no one has unlimited budget,” Bukhshtaber says.</p> <p><em>Written by Amelia Barnes. First appeared on</em> <a href="http://www.domain.com.au/" target="_blank" rel="noopener"><span style="text-decoration: underline;"><em><strong>Domain.com.au.</strong></em></span></a></p> <p><em>Images: Getty</em></p> <p> </p>

Home Hints & Tips

Placeholder Content Image

How to clean these bathroom items that get overlooked

<p>Cleaning the bathroom will not only make your house feel nicer for but it is important for your hygiene as so many bathroom items are used on a daily basis. Even if your bathtub, shower, tiles and sink is clean, these bathroom items deserve your frequent attention.</p> <p><strong>1. Toothbrush and toothbrush holder</strong></p> <p>For obvious reasons keeping your toothbrush and toothbrush holder clean is vital to your mouth health. To keep your toothbrush clean, make sure you rinse it well after each use to avoid a build-up of toothpaste.  Frequently you should do a deep clean of your toothbrush and this can be done by leaving it in a cup of vinegar for 30 minutes. The vinegar will remove the build of bacteria on your toothbrush. Remember to replace your toothbrush every 3-4 months and then you can use your old one for cleaning. A toothbrush holder can be cleaned thoroughly by putting it in the dishwasher or you can rinse it out in hot water and dish soap to remove the build-up of gunk.</p> <p><strong>2. Loofah</strong></p> <p>Loofahs do a great of cleaning bodies but it is important to remember to clean them as well. Your loofah can be cleaned by submerging in a 50/50 mixture of hot water and vinegar for an hour. Then leave it to dry. This method can also be used on sponges or wash cloths.</p> <p><strong>3. Razors</strong></p> <p>It is important to clean your razor as a wet razor can become rusty and a moist blade can cause ingrown hairs and irritation when shaving. To keep your razor in top condition, put some rubbing alcohol on a cotton pad and swipe across your razor. Dry your razor with a towel once you are done and store your razor in a dry place in your bathroom.</p> <p><strong>4. Toilet brush</strong></p> <p>To give your toilet brush a thorough clean, rest the brush between the toilet bowl and seat after cleaning the toilet. Spray the brush with a disinfectant and then let it sit as it drips for ten minutes or so. Then rinse the brush in very hot water and allow it to drip dry again. The<strong> </strong>brush holder<strong> </strong>should also be cleaned with disinfectant and then leaving it for ten minutes and rinsing with hot water.</p> <p><strong>5. Plunger</strong></p> <p>After each use of the plunger, spray it with a disinfectant and leave for ten minutes and then let it air dry. It is helpful to store your plunger with a plastic bag so that way, after you use it you can put in the bag and then take it somewhere to clean to avoid any dripping. Don’t re-use the plastic bag.</p> <p><em>Image: Getty</em></p>

Home Hints & Tips

Placeholder Content Image

Shop Smarter and Save Big: Unbeatable Deals on Appliances, Home items, and More in the EOFY Sales!

<p>The end-of-financial year sales are one of the biggest shopping events of the year here in Australia. Our favourite brands across various categories slash the prices by huge margins so that we consumers can grab a bargain. </p> <p>This event takes place every year, and this time round, it may be one of the best yet, with unmissable bargains including the highly-rated <a href="https://go.skimresources.com/?id=204849X1683982&amp;xs=13&amp;url=https%3A%2F%2Fwww.canningvale.com%2Ftowels%2Fcollections%2Froyal-splendour%2F&amp;xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">Canningvale Royal Splendour Towel Sets,</a> which has over 2,500 5-star reviews! Reviewers shared their thoughts: “Love my new towels - they feel like a bit of luxury - great thickness and fluff. Very pleased” and “Beautiful soft lush towels very happy with purchase”. Even the talk-of-the-town Calming Blankets’ best-selling <a href="https://go.skimresources.com/?id=204849X1683982&amp;xs=13&amp;url=https%3A%2F%2Fwww.calmingblankets.com.au%2Fproducts%2Fweighted-blanket&amp;xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">adult weighted blanket is $100 off, reduced to $99</a>, so grab it while you can. </p> <p>When it comes to fulfilling your shopping needs, there's no better time than now. Why wait? By seizing this opportunity, you might just save yourself a pretty penny or two. We understand the challenges of navigating sales and limited timeframes to find the best deals, which is why we're here to lend a helping hand. Our expertise lies in uncovering the most enticing offers across various categories as we approach the end of the financial year.</p> <p>Whether you're looking to upgrade your tech and appliances, revamp your home bedding and towels for the colder weather, refresh your wardrobe for the new season, or even explore new beauty products, we've got you covered. Our extensive knowledge enables us to provide you with a comprehensive list of the best deals.</p> <p>So, without further ado, let's dive into our curated selection of deals for you to flick through below. </p> <h2><strong>Home </strong></h2> <p><img src="https://oversixtydev.blob.core.windows.net/media/2023/05/BeddingSets_byToaHeftibaUnsplash_HERO.jpg" alt="" width="1280" height="720" /></p> <p><em>Photo by Toa Heftiba on Unsplash</em></p> <p>We're approaching the peak of the cold weather, so If your bedding still seems better suited for keeping you cool rather than providing cosy warmth, now might be the perfect time to make a change. While you're at it, why not consider swapping out some home decor pieces as well? Give your space a winter makeover by adding touches of cosiness and incorporating warm colours. </p> <h3>Myer </h3> <p><a href="https://go.skimresources.com/?id=204849X1683982&amp;xs=13&amp;url=https%3A%2F%2Fwww.myer.com.au%2Fc%2Foffers%2Fhome--sale%2Fbedroom-sale%3Ffacets%3Dmv--product_type_filter--quilt20covers%252Cmv--product_type_filter--sheets202620pillowcases%26pageNumber%3D1&amp;xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">Up to 50% off selected quilt covers and sheet sets</a></p> <p><a href="https://go.skimresources.com/?id=204849X1683982&amp;xs=13&amp;url=https%3A%2F%2Fwww.myer.com.au%2Fc%2Foffers%2Fhome--sale%2Fsale-tableware%2Fdinnerware--sale%3Ffacets%3Dmv--mfname--heritage%252Cmv--mfname--maxwell202620williams%252Cmv--mfname--robert20gordon%252Cmv--mfname--salt26pepper%252Cmv--mfname--vue%252Cmv--sale_type--402520off%26pageNumber%3D1&amp;xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">50% off Dinnersets by Maxwell &amp; Williams, Robert Gordon, salt&amp;pepper and more</a></p> <p><a href="https://go.skimresources.com/?id=204849X1683982&amp;xs=13&amp;url=https%3A%2F%2Fwww.myer.com.au%2Fc%2Foffers%2Fhome--sale%3Ffacets%3Dmv--mfname--royal20albert%252Cmv--mfname--royal20doulton%252Cmv--mfname--waterford%252Cmv--mfname--wedgwood%252Cmv--sale_type--252520off%252Cmv--sale_type--302520off%252Cmv--sale_type--402520off%252Cmv--sale_type--502520off%26pageNumber%3D1&amp;xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">Up to 50% off a great range of Wedgewood, Royal Doulton, Royal Albert and Waterford</a></p> <p><a href="https://go.skimresources.com/?id=204849X1683982&amp;xs=13&amp;url=https%3A%2F%2Fwww.myer.com.au%2Fc%2Foffers%2Fhome--sale%3Ffacets%3Dmv--mfname--sheridan%26pageNumber%3D1&amp;xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">Up to 50% off the original price of Sheridan</a></p> <p><strong><span style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;">House</span></strong><strong style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;">:<br /></strong><a style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;" href="https://www.house.com.au/collections/sale" target="_blank" rel="noopener">Up to 75% off House-wide EOFY Sale</a></p> <p><strong>Koala:<br /></strong><a href="https://koala.com/en-au/eofy-sale" target="_blank" rel="noopener">Up to 30% off site wide </a></p> <p><strong>Canningvale:</strong> <br /><a href="https://go.skimresources.com/?id=204849X1683982&amp;xs=13&amp;url=https%3A%2F%2Fwww.canningvale.com%2Fsale%2Fbedding%2Fbedding%3Fis_index%3D0&amp;xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">40-60% Off in the Big Bedding Sale</a></p> <p><strong>Emma Sleep:</strong> <br /><a href="https://go.skimresources.com/?id=204849X1683982&amp;xs=13&amp;url=https%3A%2F%2Fwww.emma-sleep.com.au%2Fsale%2F&amp;xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">Up to 55% off selected products</a></p> <p><strong>Sheridan:</strong> <br /><a href="https://go.skimresources.com/?id=204849X1683982&amp;xs=13&amp;url=https%3A%2F%2Fwww.sheridan.com.au%2Fsale.html&amp;xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">Up to 50% off sitewide</a></p> <p><strong>Calming Blankets:</strong> <br /><a href="https://go.skimresources.com/?id=204849X1683982&amp;xs=13&amp;url=https%3A%2F%2Fwww.calmingblankets.com.au%2Fcollections%2Fbest-sellers&amp;xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">Up to 50% off sitewide</a></p> <p><strong>Bed Bath N’ Table:</strong> <br /><a href="https://www.bedbathntable.com.au/products/catalogue" target="_blank" rel="noopener">Clearance Sale Up to 60% off</a></p> <p><strong>Bed Threads:</strong> <br /><a href="https://bedthreads.com.au/pages/bed-threads-sale" target="_blank" rel="noopener">Mid-Year Makeover Sale 15% off Everything</a></p> <p><strong>Freedom:</strong><br /><a href="https://www.freedom.com.au/c/best-selling" target="_blank" rel="noopener">Absolutely Everything on Sale</a><br /><a href="https://www.freedom.com.au/c/all-outdoor" target="_blank" rel="noopener">Up to 55% off all Outdoor Furniture</a><br /><a href="https://www.freedom.com.au/c/all-rugs" target="_blank" rel="noopener">Up to 40% off all Floor Rugs</a></p> <p><strong>Harris Scarfe:</strong><br /><a href="https://go.skimresources.com/?id=204849X1683982&amp;xs=13&amp;url=https%3A%2F%2Fwww.harrisscarfe.com.au%2Fcategories%3Fq%3D%3Arelevance%3Acategory%3Aquilts%3Acategory%3Apillows%3Acategory%3Acomforters-coverlets%3Acategory%3Atowel-collections%3AdealType%3AOnSale%3AdealType%3AFRIENDS%2520PAY%2520LESS&amp;xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">40-60% off all Homewares &amp; Manchester</a></p> <p><strong>Dymocks:</strong><br /><a href="https://www.dymocks.com.au/books/promotion-winter-sale-june-2023/" target="_blank" rel="noopener">Books for $9.99 in the Winter Sale</a></p> <p><strong>Booktopia:</strong><br /><a href="https://go.skimresources.com/?id=204849X1683982&amp;xs=13&amp;url=https%3A%2F%2Fwww.booktopia.com.au%2Feofy-sale%2Fpromo3262.html&amp;xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">Up to 75% off top deals</a></p> <p><strong>My Deal:</strong><br /><a href="https://go.skimresources.com/?id=204849X1683982&amp;xs=13&amp;url=https%3A%2F%2Fwww.mydeal.com.au%2Fsale%2Fstylish-bedside-tables&amp;xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">Limited-time deals on bedside tables</a></p> <p><strong>Adairs:</strong><br /><a href="https://go.skimresources.com/?id=204849X1683982&amp;xs=13&amp;url=https%3A%2F%2Fwww.adairs.com.au%2Fsales%2F&amp;xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">Save up to 30% off</a></p> <h3>Tech &amp; Appliances</h3> <p><img src="https://oversixtydev.blob.core.windows.net/media/2023/06/EOFY_Jonas-Leupe-on-Unsplash.jpg" alt="" width="1280" height="720" /></p> <p><em>Photo by Jonas Leupe on Unsplash</em></p> <p>Tech and appliances are notorious for their hefty price tags, but their entertainment value or usefulness often justifies the investment. But, due to their high cost, it's wise to hold onto your bank card until the perfect deal presents itself, and that moment might be right now.</p> <p><strong>Myer:<br /></strong><a href="https://go.skimresources.com/?id=204849X1683982&amp;xs=13&amp;url=https%3A%2F%2Fwww.myer.com.au%2Fc%2Foffers%2Fhome--sale%2Fappliances-sale&amp;xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">Great savings on Appliances by Breville, Sunbeam, Delonghi and more</a><br /><a href="https://go.skimresources.com/?id=204849X1683982&amp;xs=13&amp;url=https%3A%2F%2Fwww.myer.com.au%2Fc%2Foffers%2Fhome--sale%2Felectronics-sale&amp;xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">Great savings on Tech by BOSE, Ultimate Ears, FitBit, Garmin and more</a></p> <p><strong>Dyson:<br /></strong><a href="https://go.skimresources.com/?id=204849X1683982&amp;xs=13&amp;url=https%3A%2F%2Fwww.dyson.com.au%2Fdeals%2Feofy-sale&amp;xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">Save up to $450, plus receive complimentary gifts and additional accessories with selected technology.</a></p> <p><strong>The Good Guys:</strong><br /><a href="https://go.skimresources.com/?id=204849X1683982&amp;xs=13&amp;url=https%3A%2F%2Fwww.thegoodguys.com.au%2Fhisense-75kg-front-load-washer--hwfy7514&amp;xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">$500 Off! Fisher &amp; Paykel 10kg Front Load Washer - $995</a><br /><a href="https://go.skimresources.com/?id=204849X1683982&amp;xs=13&amp;url=https%3A%2F%2Fwww.thegoodguys.com.au%2Fsamsung-75-inches-ls03b-4k-the-frame-qled-smart-tv-2022-qa75ls03bawxxy&amp;xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">$1100 Off! Samsung 75" LS03B 4K The Frame QLED Smart TV 2022 - $2395</a><br /><a href="https://go.skimresources.com/?id=204849X1683982&amp;xs=13&amp;url=https%3A%2F%2Fwww.thegoodguys.com.au%2Ftefal-easy-fry-classic-air-fryer-ey2018&amp;xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">$100 Off! Tefal Easy Fry Classic Air Fryer - $99</a><br /><a href="https://go.skimresources.com/?id=204849X1683982&amp;xs=13&amp;url=https%3A%2F%2Fwww.thegoodguys.com.au%2Fninja-intelli-sense-kitchen-system-ct682&amp;xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">$30 Off! Ninja Intelli-Sense Kitchen System - $319</a></p> <p><strong>Appliances Online:<br /></strong><a href="https://www.appliancesonline.com.au/promo/clearance-sale" target="_blank" rel="noopener">Save on Appliances in the Clearance Sale</a><br /><a href="https://www.appliancesonline.com.au/product/tefal-cy8515-cook4meplus-multi-cooker" target="_blank" rel="noopener">$99 off Tefal Cook4Me+ Multi Cooker + Bonus Gift</a></p> <p><strong>Bing Lee:<br /></strong><a href="https://go.skimresources.com/?id=204849X1683982&amp;xs=13&amp;url=https%3A%2F%2Fwww.binglee.com.au%2Fcategories%2Fpromotions%2Fend-of-financial-year-sale&amp;xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">Huge savings in the Yenda Financial Year Sale</a><br /><a href="https://go.skimresources.com/?id=204849X1683982&amp;xs=13&amp;url=https%3A%2F%2Fwww.binglee.com.au%2Fproducts%2Fdyson-v10-stick-vacuum-394101-01&amp;xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">$450 off Dyson V10™ Stick Vacuum, $649 (down from $1099)</a></p> <p><strong>Kogan:<br /></strong><a href="https://go.skimresources.com/?id=204849X1683982&amp;xs=13&amp;url=https%3A%2F%2Fwww.kogan.com%2Fau%2Fc%2Fdyson-australia-a%2F%3Fdispatch%3Dfree%26order_by%3D-discount%26shipping%3Dfree%26page%3D1&amp;xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">Save up to $450 on Dyson deals</a><br /><a href="https://go.skimresources.com/?id=204849X1683982&amp;xs=13&amp;url=https%3A%2F%2Fwww.kogan.com%2Fau%2Fc%2Fawesome-eofy-sale-tvs-home-entertainment%2Fshop%2Fcategory%2Fled-tv%2F&amp;xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">Save up to 55% off TV deals</a></p> <p><strong>Harris Scarfe:<br /></strong><a href="https://go.skimresources.com/?id=204849X1683982&amp;xs=13&amp;url=https%3A%2F%2Fwww.harrisscarfe.com.au%2Fsearch%3Fq%3Dsmith%2520nobel%3Arelevance%3Acategory%3Akettles%3Acategory%3Atoasters%3Acategory%3Aair-fryers&amp;xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">40% off all Air Fryers, Toasters &amp; Kettles by Smith+Nobel</a></p> <h3>Fashion &amp; Accessories</h3> <p><img src="https://oversixtydev.blob.core.windows.net/media/2023/06/EOFY_Priscilla-Du-Preez-on-Unsplash.jpg" alt="" width="1280" height="720" /></p> <p><em>Photo by Priscilla Du Preez on Unsplash</em></p> <p>Time to give your wardrobe an upgrade for the winter season. Think cosy layers, earthy tones, and clothes that will keep you toasty warm. Find everything you need in the sales below, and get ready to rock that effortlessly stylish winter look!</p> <p><strong>Myer:</strong></p> <p><a href="https://go.skimresources.com/?id=204849X1683982&amp;xs=13&amp;url=https%3A%2F%2Fwww.myer.com.au%2Fc%2Foffers%2Fwomen--sale%2Fwomen-lingerie-sale%2Fwomen-sleepwear-robes-sale&amp;xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">40% Off Women's sleepwear</a></p> <p><a href="https://go.skimresources.com/?id=204849X1683982&amp;xs=13&amp;url=https%3A%2F%2Fwww.myer.com.au%2Fc%2Foffers%2Fwomen--sale%2Fwomen-handbags-sale&amp;xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">FROM $69 EACH Selected women's handbags and wallets by Marcs, Guess, Tommy Hilfiger and more</a></p> <p><a href="https://go.skimresources.com/?id=204849X1683982&amp;xs=13&amp;url=https%3A%2F%2Fwww.myer.com.au%2Fc%2Foffers%2Fmen-sales%2Fmen-clothing-sale%3Ffacets%3Dmv--sale_type--302520off%26pageNumber%3D1&amp;xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">Up to 50% off a range of men’s fashion</a></p> <p><a href="https://go.skimresources.com/?id=204849X1683982&amp;xs=13&amp;url=https%3A%2F%2Fwww.myer.com.au%2Fc%2Foffers%2Fmen-sales%2Fmen-shoes-sale&amp;xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">NOW $119 EACH Selected men's shoes by Tommy Hilfiger, Lacoste, GANT, Polo Ralph Lauren, Adidas, Calvin Klein, Florsheim and Wild Rhino</a></p> <p><a href="https://go.skimresources.com/?id=204849X1683982&amp;xs=13&amp;url=https%3A%2F%2Fwww.myer.com.au%2Fc%2Foffers%2Fkids-sale%3Flabel%3D%26facets%3Dmv--mfname--bauhaus%252Cmv--mfname--milkshake%252Cmv--mfname--sprout%252Cmv--mfname--tilii%252Cmv--product_type_filter--coats202620jackets%252Cmv--product_type_filter--knitwear202620sweaters%252Cmv--sale_type--302520off%26pageNumber%3D1&amp;xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">30% off the original price of Kids' jackets, jumpers and cardigans by Milkshake, Sprout, Bauhaus, Tilii and Jack &amp; Milly</a></p> <p><strong>The Iconic:</strong>  <br /><a href="https://go.skimresources.com/?id=204849X1683982&amp;xs=13&amp;url=https%3A%2F%2Fwww.theiconic.com.au%2Fwomens-sale&amp;xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">Up to 70% off women’s Mega Sale Event</a><br /><a href="https://go.skimresources.com/?id=204849X1683982&amp;xs=13&amp;url=https%3A%2F%2Fwww.theiconic.com.au%2Fmens-sale&amp;xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">Up to 70% off men’s Mega Sale Event</a></p> <p><strong>Cotton On: <br /></strong><a href="https://go.skimresources.com/?id=204849X1683982&amp;xs=13&amp;url=https%3A%2F%2Fcottonon.com%2FAU%2Fco%2Fco-sale&amp;xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">Sale up to 50% off original prices</a></p> <p><strong>Bonds: </strong> <br /><a href="https://go.skimresources.com/?id=204849X1683982&amp;xs=13&amp;url=http%3A%2F%2Fbonds.com.au&amp;xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">40% off storewide</a></p> <p><strong>Seed Heritage:</strong><br /><a href="https://go.skimresources.com/?id=204849X1683982&amp;xs=13&amp;url=https%3A%2F%2Fwww.seedheritage.com%2Fsale%2Fwoman%2F&amp;xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">Up to 50% off all sale styles</a></p> <h3>Health &amp; Beauty</h3> <p><img src="https://oversixtydev.blob.core.windows.net/media/2023/06/Jocelyn-Morales-on-Unsplash.jpg" alt="" width="1280" height="720" /></p> <p><em>Photo by Jocelyn Morales on Unsplash</em></p> <p>There's nothing quite like treating yourself to something that enhances your health or beauty. If it boosts your confidence, it's definitely a smart investment. After all, you deserve to feel as good as you look, and that's something worth going for!</p> <p><strong>Myer:<br /></strong><a href="https://go.skimresources.com/?id=204849X1683982&amp;xs=13&amp;url=https%3A%2F%2Fwww.myer.com.au%2Fc%2Foffers%2Fsale-beauty&amp;xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">Up to 40% off beauty brands</a><br /><a href="https://go.skimresources.com/?id=204849X1683982&amp;xs=13&amp;url=https%3A%2F%2Fwww.myer.com.au%2Fc%2Foffers%2Fsale-beauty%3Ffacets%3Dmv--sale_type--402520off%252Cmv--mfname--calvin20klein%3Flabel%3D%26facets%3Dsv--category--18167%26pageNumber%3D1&amp;xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">40% off Calvin Klein fragrances</a><br /><a href="https://go.skimresources.com/?id=204849X1683982&amp;xs=13&amp;url=https%3A%2F%2Fwww.myer.com.au%2Fc%2Foffers%2Fsale-beauty%3Ffacets%3Dmv--sale_type--402520off%252Cmv--mfname--revlon%26pageNumber%3D1&amp;xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">40% off Revlon</a></p> <p><strong>The Iconic:<br /></strong><a href="https://www.theiconic.com.au/beauty-all/?campaign=lp-wmksbh-taf20-2423" target="_blank" rel="noopener">Up to 70% off Beauty products in the Mega Sale Event</a></p> <p><strong>Sephora:</strong> <br /><a href="https://go.skimresources.com/?id=204849X1683982&amp;xs=13&amp;url=https%3A%2F%2Fwww.sephora.com.au%2Fsale&amp;xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">15% - 50% off Selected Styles only</a></p> <p><strong>Adore Beauty:</strong><br /><a href="https://go.skimresources.com/?id=204849X1683982&amp;xs=13&amp;url=https%3A%2F%2Fwww.adorebeauty.com.au%2Fc%2Fspecials%2Fclearance.html&amp;xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">Up to 50% off Clearance beauty</a></p> <p><strong>Shaver Shop:<br /></strong><a href="https://go.skimresources.com/?id=204849X1683982&amp;xs=13&amp;url=https%3A%2F%2Fwww.shavershop.com.au%2Fsale&amp;xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">Up to 80% off</a></p> <p><strong>Oz Hair &amp; Beauty:<br /></strong><a href="https://www.ozhairandbeauty.com/collections/summer-clearance-sale" target="_blank" rel="noopener">EOFY Up to 70% off sale</a></p> <p><em style="box-sizing: border-box; color: #212529; font-family: -apple-system, 'system-ui', 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif, 'Apple Color Emoji', 'Segoe UI Emoji', 'Segoe UI Symbol', 'Noto Color Emoji'; font-size: 16px; background-color: #ffffff;">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><span style="color: #212529; font-family: -apple-system, 'system-ui', 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif, 'Apple Color Emoji', 'Segoe UI Emoji', 'Segoe UI Symbol', 'Noto Color Emoji'; font-size: 16px; background-color: #ffffff;"> </span></p>

Home & Garden

Our Partners