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If you have money anxiety, knowing your financial attachment style can help

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/ylva-baeckstrom-1463175">Ylva Baeckstrom</a>, <a href="https://theconversation.com/institutions/kings-college-london-1196">King's College London</a></em></p> <p>The number of people struggling with money in Britain is at a <a href="https://www.theguardian.com/money/2024/mar/18/record-numbers-of-uk-people-in-debt-warns-charity">record high</a>. Financial charities say that people are contacting them for help with debt, paying bills and insolvency. The campaign group Debt Justice found in a <a href="https://debtjustice.org.uk/wp-content/uploads/2024/03/WalnutOmnibus-Debt-Justice-Policy-Development-Weighted.xlsx">survey</a> that 29% of 18- to 24-year-olds and 25% of 25- to 34-year-olds had missed three or more bill payments in the last six months.</p> <p>A majority (65%) of people don’t think they can survive on their savings for three months without <a href="https://www.money.co.uk/savings-accounts/savings-statistics">borrowing money</a>. Statistics from the UK’s financial markets regulator show that more than one-third of UK adults have less than £1,000 in savings. And a survey by Money.co.uk found that 30% of Brits aged 25-64 do not save at all <a href="https://www.pensionsage.com/pa/Nearly-one-third-of-Brits-are-not-saving-for-retirement.php">for retirement</a>.</p> <p>With figures like that, is it any wonder that 75% of people in the UK feel <a href="https://www.mentalhealth.org.uk/about-us/news/financial-strain-driving-uks-anxiety#:%7E:text=Almost%20three%2Dquarters%20of%20the,cited%20job%20insecurity%20or%20unemployment">anxious about money</a>?</p> <p>The current state of the economy is particularly scary for young people. Unless you were born with a trust fund (not most people), you are likely part of the first generation to be financially worse off than <a href="https://edition.cnn.com/2020/01/11/politics/millennials-income-stalled-upward-mobility-us/index.html">your parents</a>. Retirement seems like an impossibility, and you’re unlikely to own your own home. Eighty percent of people in their early 20s worry about <a href="https://www.youngminds.org.uk/parent/parents-a-z-mental-health-guide/money-and-mental-health/#Thelinksbetweenmoneyandmentalhealth">not earning enough</a>.</p> <p>It is important to start planning for your financial future early in your career, but you may find it overwhelming. The good news is, there are ways to overcome this.</p> <h2>Finding your financial attachment style</h2> <p>As a psychotherapist and finance researcher, I work with people to help them to increase their financial confidence and find the motivation to start planning. This often starts with understanding what influences their relationship with money.</p> <p><a href="https://www.cambridge.org/core/journals/behavioral-and-brain-sciences/article/bowlbyainsworth-attachment-theory/6D35C7A344107195D97FD7ADAE06C807">Attachment theory</a> is a psychological concept introduced in the late 1950s. Your attachment style – which can be, for example, secure, anxious or avoidant – explains how you approach creating emotionally intimate relationships with other people. Some people feel secure building relationships, while others are extremely anxious. Some avoid close relationships altogether.</p> <p>Attachment style can also apply to your finances. If you feel confident and safe when it comes to money, you are secure in your relationship to saving and spending. But if the thought of opening an ISA or filling out a tax return, let alone planning for retirement, fills you with dread and panic, you may be anxiously attached. And if you if you push money worries to the back of your mind, you are likely avoidant.</p> <p>Attachment theorists and psychotherapists like me think that attachment styles are shaped by childhood experiences – for example, how well you were looked after by your parents or carers, and how safe and loved you felt.</p> <p>The way money was handled in your family growing up is likely to have set the blueprint for your <a href="https://www.sciencedaily.com/releases/2020/02/200225114410.htm">financial attachment style</a>. Outside influences like education or work experiences may shape this too.</p> <p>Although financial education is part of the <a href="https://maps.org.uk/en/work-with-us/financial-education-in-schools">school curriculum</a> in the UK, 76% of children leave school without sufficient <a href="https://maps.org.uk/en/media-centre/press-releases/2024/hundreds-of-thousands-leaving-school-without-money-skills#:%7E:text=In%20its%20poll%20of%201%2C012,knowledge%20they%20need%20for%20adulthood">financial knowledge</a> to manage their lives. Similarly, financial services like banks have done a poor job helping people establish secure financial relationships. Complex and <a href="https://www.pwmnet.com/private-view-blog-time-for-the-financial-industry-to-jettison-the-jargon">off-putting language</a> has placed a barrier between those who know about money and those who need to learn.</p> <p>If you feel unable to keep up with financial terms, or that you don’t understand money, this is likely to hurt your confidence in your financial planning abilities and fuel a more avoidant attachment style.</p> <p>Identifying your attachment style can help you nurture a better relationship with money. You will be able to understand and predict how and why you react to finances in certain ways. And, it can provide confidence by reminding you that money struggles are not necessarily your fault.</p> <h2>Getting over financial anxiety</h2> <p>Some of the recent financial trends spreading on social media may give an insight into your attachment style. Are you <a href="https://www.cnbc.com/select/what-is-loud-budgeting-trend-can-it-work/">“loud budgeting”</a> (being vocal about why you aren’t spending money)? This could be a sign of financial confidence and that you have secure financial attachment. Or are you “doom spending” (spending money you don’t have instead of creating a <a href="https://www.theguardian.com/lifeandstyle/2024/jan/31/are-you-loud-budgeting-or-doom-spending-finance-according-to-gen-z">nest egg</a> for the future)? You may be avoidant.</p> <p>Healthy relationships with <a href="https://www.nhs.uk/every-mind-matters/lifes-challenges/maintaining-healthy-relationships-and-mental-wellbeing/#:%7E:text=People%20with%20healthy%2C%20positive%20and,such%20as%20stress%20and%20anxiety">people</a> and <a href="https://www.nhs.uk/every-mind-matters/lifes-challenges/money-worries-mental-health/#:%7E:text=Our%20mental%20health%20might%20be,earning%20enough%20or%20currently%20unemployed">money</a> are both critical for our survival and mental health. As an adult, you have the power to improve these relationships. But because attachment patterns were formed early on, they are difficult to change. Therapy and other support can help you adopt healthier habits, as can increasing your financial knowledge.</p> <p>If you want to change your relationship with money, you should try to be mindful of what may be influencing you. While financial advice on social media may be useful and help young people feel more empowered to <a href="https://www.forbes.com/advisor/investing/financial-advisor/adults-financial-advice-social-media/">talk about money</a>, it can also <a href="https://www.mcleanhospital.org/essential/it-or-not-social-medias-affecting-your-mental-health">increase anxiety further</a> and be <a href="https://theconversation.com/if-you-get-your-financial-advice-on-social-media-watch-out-for-misinformation-222196">full of misinformation</a>. A good place to start for accurate and helpful information is the government’s <a href="https://www.moneyhelper.org.uk/en">Money Helper website</a>.<!-- 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/225243/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/ylva-baeckstrom-1463175">Ylva Baeckstrom</a>, Senior Lecturer in Finance, <a href="https://theconversation.com/institutions/kings-college-london-1196">King's College London</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/if-you-have-money-anxiety-knowing-your-financial-attachment-style-can-help-225243">original article</a>.</em></p> </div>

Money & Banking

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Would you be happy as a long-term single? The answer may depend on your attachment style

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/christopher-pepping-1524533">Christopher Pepping</a>, <a href="https://theconversation.com/institutions/griffith-university-828">Griffith University</a>; <a href="https://theconversation.com/profiles/geoff-macdonald-1527971">Geoff Macdonald</a>, <a href="https://theconversation.com/institutions/university-of-toronto-1281">University of Toronto</a>; <a href="https://theconversation.com/profiles/tim-cronin-415060">Tim Cronin</a>, <a href="https://theconversation.com/institutions/la-trobe-university-842">La Trobe University</a>, and <a href="https://theconversation.com/profiles/yuthika-girme-1494822">Yuthika Girme</a>, <a href="https://theconversation.com/institutions/simon-fraser-university-1282">Simon Fraser University</a></em></p> <p>Are all single people insecure? When we think about people who have been single for a long time, we may assume it’s because single people have insecurities that make it difficult for them to find a partner or maintain a relationship.</p> <p>But is this true? Or can long-term single people also be secure and thriving?</p> <p>Our <a href="https://onlinelibrary.wiley.com/doi/full/10.1111/jopy.12929">latest research</a> published in the Journal of Personality suggests they can. However, perhaps unsurprisingly, not everybody tends to thrive in singlehood. Our study shows a crucial factor may be a person’s attachment style.</p> <h2>Singlehood is on the rise</h2> <p>Singlehood is on the rise around the world. In Canada, single status among young adults aged 25 to 29 has increased from <a href="https://www150.statcan.gc.ca/n1/daily-quotidien/220713/dq220713b-eng.htm">32% in 1981 to 61% in 2021</a>. The number of people <a href="https://www150.statcan.gc.ca/n1/daily-quotidien/220713/dq220713a-eng.htm">living solo</a> has increased from 1.7 million people in 1981 to 4.4 million in 2021.</p> <p>People are single for many reasons: <a href="https://www.ucpress.edu/ebook/9780520971004/happy-singlehood">some choose</a> to remain single, some are focusing on <a href="https://link.springer.com/article/10.1007/s12147-020-09249-0">personal goals and aspirations</a>, some report <a href="https://www.pewresearch.org/social-trends/2020/08/20/nearly-half-of-u-s-adults-say-dating-has-gotten-harder-for-most-people-in-the-last-10-years/">dating has become harder</a>, and some become single again due to a relationship breakdown.</p> <p>People may also remain single due to their attachment style. Attachment theory is a popular and well-researched model of how we form relationships with other people. An <a href="https://www.amazon.com.au/s?k=attachment+theory">Amazon search for attachment theory</a> returns thousands of titles. The hashtag #attachmenttheory has been viewed <a href="https://www.cnbc.com/2022/08/20/why-attachment-theory-is-trending-according-to-dr-amir-levine.html">over 140 million times</a> on TikTok alone.</p> <h2>What does attachment theory say about relationships?</h2> <p>Attachment theory suggests our relationships with others are shaped by our degree of “anxiety” and “avoidance”.</p> <p>Attachment anxiety is a type of insecurity that leads people to feel anxious about relationships and worry about abandonment. Attachment avoidance leads people to feel uncomfortable with intimacy and closeness.</p> <p>People who are lower in attachment anxiety and avoidance are considered “securely attached”, and are comfortable depending on others, and giving and receiving intimacy.</p> <p>Single people are often stereotyped as being <a href="https://journals.sagepub.com/doi/full/10.1177/01461672231203123">too clingy or non-committal</a>. Research comparing single and coupled people also suggests single people have <a href="https://onlinelibrary.wiley.com/doi/abs/10.1111/j.1467-6494.2012.00793.x?casa_token=6iiCm5PjHgkAAAAA:0kBeofx3M-72YrkVppmNxdWBIAImFwm3lAakCnuiNXL20SVP1zaW7UeDIahW_43imAjSRXgtyN0hLVI">higher levels of attachment insecurities</a> compared to people in relationships.</p> <p>At the same time, evidence suggests many single people are choosing to remain single and <a href="https://journals.sagepub.com/doi/full/10.1177/17456916221136119">living happy lives</a>.</p> <h2>Single people represent a diverse group of secure and insecure people</h2> <p>In our latest research, our team of social and clinical psychologists examined single people’s attachment styles and how they related to their happiness and wellbeing.</p> <p>We carried out two studies, one of 482 younger single people and the other of 400 older long-term singles. We found overall 78% were categorised as insecure, with the other 22% being secure.</p> <p>Looking at our results more closely, we found four distinct subgroups of singles:</p> <ul> <li> <p>secure singles are relatively comfortable with intimacy and closeness in relationships (22%)</p> </li> <li> <p>anxious singles question whether they are loved by others and worry about being rejected (37%)</p> </li> <li> <p>avoidant singles are uncomfortable getting close to others and prioritise their independence (23% of younger singles and 11% of older long-term singles)</p> </li> <li> <p>fearful singles have heightened anxiety about abandonment, but are simultaneously uncomfortable with intimacy and closeness (16% of younger singles and 28% of older long-term singles).</p> </li> </ul> <h2>Insecure singles find singlehood challenging, but secure singles are thriving</h2> <p>Our findings also revealed these distinct subgroups of singles have distinct experiences and outcomes.</p> <p>Secure singles are happy being single, have a greater number of non-romantic relationships, and better relationships with family and friends. They meet their sexual needs outside romantic relationships and feel happier with their life overall. Interestingly, this group maintains moderate interest in being in a romantic relationship in the future.</p> <p>Anxious singles tend to be the most worried about being single, have lower self-esteem, feel less supported by close others and have some of the lowest levels of life satisfaction across all sub-groups.</p> <p>Avoidant singles show the least interest in being in a romantic relationship and in many ways appear satisfied with singlehood. However, they also have fewer friends and close relationships, and are generally less satisfied with these relationships than secure singles. Avoidant singles also report less meaning in life and tend to be less happy compared to secure singles.</p> <p>Fearful singles reported more difficulties navigating close relationships than secure singles. For instance, they were less able to regulate their emotions, and were less satisfied with the quality of their close relationships relative to secure singles. They also reported some of the lowest levels of life satisfaction across all sub-groups.</p> <h2>It’s not all doom and gloom</h2> <p>These findings should be considered alongside several relevant points. First, although most singles in our samples were insecure (78%), a sizeable number were secure and thriving (22%).</p> <p>Further, simply being in a romantic relationship is not a panacea. Being in an unhappy relationship is linked to <a href="https://doi.org/10.1371/journal.pmed.1000316">poorer life outcomes</a> than being single.</p> <p>It is also important to remember that attachment orientations are not necessarily fixed. They are open to <a href="https://www.sciencedirect.com/science/article/pii/S2352250X18300113">change</a> in response to life events.</p> <p>Similarly, <a href="https://journals.sagepub.com/doi/full/10.1177/0963721413510933">sensitive and responsive behaviours</a> from close others and <a href="https://doi.org/10.1177/02654075231162390">feeling loved and cared about</a> by close others can soothe underlying attachment concerns and foster attachment security over time.</p> <p>Our studies are some of the first to examine the diversity in attachment styles among single adults. Our findings highlight that many single people are secure and thriving, but also that more work can be done to help insecure single people feel more secure in order to foster happiness.<!-- 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/227595/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/christopher-pepping-1524533">Christopher Pepping</a>, Associate Professor in Clinical Psychology, <a href="https://theconversation.com/institutions/griffith-university-828">Griffith University</a>; <a href="https://theconversation.com/profiles/geoff-macdonald-1527971">Geoff Macdonald</a>, Professor of Psychology, <a href="https://theconversation.com/institutions/university-of-toronto-1281">University of Toronto</a>; <a href="https://theconversation.com/profiles/tim-cronin-415060">Tim Cronin</a>, Lecturer in Clinical Psychology, <a href="https://theconversation.com/institutions/la-trobe-university-842">La Trobe University</a>, and <a href="https://theconversation.com/profiles/yuthika-girme-1494822">Yuthika Girme</a>, Associate Professor, Department of Psychology, <a href="https://theconversation.com/institutions/simon-fraser-university-1282">Simon Fraser University</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/would-you-be-happy-as-a-long-term-single-the-answer-may-depend-on-your-attachment-style-227595">original article</a>.</em></p> </div>

Relationships

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"It's up to men": Anthony Albanese joins violence against women rally

<p>Anthony Albanese has joined a rally in Canberra to protest the recent spate of acts of violence against women, admitting his government hasn't "done enough" to ensure Aussie women are protected. </p> <p>Addressing the 5,000-strong crowd at Parliament House, Mr Albanese delivered a fiery speech, demanding nationwide change to all levels of Australian society and asking protesters to hold him “accountable” for his government’s actions. </p> <p>Mr Albanese said Australia needed to change its “culture”, “attitudes” and “legal system” to end the scourge of violence against women that has already allegedly claimed the lives of 26 women this year.</p> <p>“We’re here today to demand that governments of all levels, must do better, including my own, and every state and territory government,” he said. </p> <p>“We’re here as well to say that society, and Australia, must do better. We need to change the culture, we need to change attitudes, we need to change the legal system."</p> <p>Mr Albanese spoke about some of the actions his government had taken to address the problem, including the introduction of domestic violence payments.</p> <p>A protester interrupted, saying “it’s not enough”.</p> <p>The prime minister replied, “I agree it’s not enough. I said that. We need to do more.”</p> <p>Mr Albanese finished his speech by calling the problem a “national crisis” and said one or two months of funding would not be enough to solve it.</p> <p>“It’s up to men to change men’s behaviour as well,” he said. “Yes, people do need to be made accountable and I’ll be accountable for what my government does.”</p> <p>Thousands took to the grounds of Parliament House on Sunday to listen to Albanese's address, where one of the event organisers Sarah Williams from the company WWYW (What Were You Wearing?), claims the Prime Minister lied to the crowd at the start of his stirring speech.</p> <p>In his speech in the afternoon, Mr Albanese suggested he had asked the rally organisers for permission to speak but had been knocked back. </p> <p>“We did ask to speak, myself and (Finance minister) Katy (Gallagher) and we were told that’s not possible,” he said to the 5000 strong crowd.</p> <p>“And that’s fine, we respect the organisers’ right to do that.”</p> <p>However, Ms Williams took to social media after the event to say the Prime Minister had "lied to the country". </p> <p>“The Prime Minister of Australia lied to his country today,” she began. </p> <p>“Representatives from (Finance Minister Katy) Gallagher and Albanese’s offices both said this morning that they were sure Katy would be happy to speak. Not the Prime Minister.”</p> <p>“He never asked to speak. For him to not only demand he speak because he was being heckled, but lie was disgraceful."</p> <p>“He demonstrated today what entitlement looks like. A man with power trying to diminish a vulnerable young woman.”</p> <p>In an awkward and tense exchange, Ms Williams then demanded the politicians show their commitment to the organisation’s demands, and declare that the recent spate of murders of women by men was a national emergency. </p> <p>However, the Labor ministers appeared non-responsive and confused, initially refusing to front the rally, a move which brought boos and heckling from the audience. </p> <p>“Why are you even here?” one protester yelled from the crowd.</p> <p>“Shame on you,” shouted another.</p> <p><em>Image credits: Getty Images / Instagram</em></p>

Caring

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Hospice nurse reveals six unexplainable "death bed phenomena"

<p>Hospice nurse Julie McFadden has lifted the lid on six unexplainable "death bed phenomena" that occur within a person's last weeks of life. </p> <p>The LA-based nurse, who specialises in end of life care, explained that as a person nears the end of their life, they will experience a range of unusual things, including hallucinations, random bursts of energy and even choosing when they're going to die. </p> <p>McFadden once again took to her YouTube channel to educate people on what happens when you're on your death bed, detailing each of the six strange occurrences. </p> <p>Julie explained that patients often experienced "terminal lucidity", "hallucinations", "death stares", and more in their final weeks. </p> <p>She began by explaining the first wild thing that happened at the end of life was terminal lucidity, in which people get a "burst of energy" in the days before they die, sharing that it happens "very often". </p> <p>She said, "Just enjoy it and expect that maybe they will die soon after because that's the kicker with terminal lucidity, it looks like someone's going to die very soon then suddenly they have a burst of energy."</p> <p>"They maybe have a really great day, they're suddenly hungry, they're suddenly able to walk, they're suddenly very alert and oriented, and then shortly after usually a day or two they will die, so that can be the hard part if you're not ready for it, if you don't know what's coming you can think they're getting better and then they die, which can be very devastating."</p> <p>Julie then described how most people in their final days will encounter "death visioning" or "hallucinations", as many people describe seeing the ghosts of loved ones in their final days. </p> <p>"I wouldn't have believed it unless I saw it for myself over and over again," the nurse admitted. </p> <p>"Number three, this is really crazy - people choosing when they're going to die. I have seen some extreme cases of this, people just saying, 'Tonight's when I'm going to die I know it, I can feel it,' and they do. There's also a time when people will wait for everybody to get into town or get into the room arrive at the house whatever it is and then they will die," the nurse explained. </p> <p>The fourth phenomena is known as the "death reach", according to Julie.  </p> <p>She explained, "It's when the person's lying in bed and they reach up in the air like they're seeing someone or they're reaching for someone either to hug them or to shake their hands. A lot of times they'll hold their hands up for a long time, like they're seeing something that we're not seeing and they're reaching for someone that we can't see."</p> <p>Julie then listed "number five is the death stare," explaining that the death stare and the death reach often "go together". </p> <p>"It usually looks like someone is staring off into the corner of the room or the side of the room basically looking at something intently, but if you're snapping your finger in front of their face or trying to say their name to kind of snap them out of it, they won't," she said.</p> <p>The last wild thing the nurse has seen is known as a "shared death experience" and is "most impactful", according to Julie. </p> <p>She explained, "A shared death experience is when someone who is not dying feels or sees or understands what's happening to the person who is dying."</p> <p>"It's kind of like the dying person gives you the sensation of what they're going through. From what I experienced, it was a very good feeling. It was like the person was giving me these feelings of freedom and joy and kind of telling me that they were okay."</p> <p>"At the time, I was shocked, I didn't know what was happening, but I've come to find out that that's called a shared death experience."</p> <p><em>Image credits: YouTube / Instagram </em></p>

Caring

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6 little known facts about The Sound of Music

<p>The Sound of Music, released in 1965, continues to be one of the most beloved family films of all time. In honour of the iconic film, we look behind the scenes to reveal some little known facts about one of our favourite movies.</p> <p><strong>1. Julie Andrews kept falling over during the famous opening mountain scene</strong></p> <p>While Julie Andrews may look graceful twirling atop the mountain in the opening scenes, in reality she kept being knocked over by the draft of the helicopter trying to capture the iconic aerial scene. Andrews said: “the down draft from those jets was so strong that every time… the helicopter circled around me and the down draft just flattened me into the grass. And I mean flattened. It was fine for a couple of takes, but after that you begin to get just a little bit angry… And I really tried. I mean, I braced myself, I thought, ‘It’s not going to get me this time.’ And every single time, I bit the dust.”</p> <p><strong>2. Christopher Plummer hates the movies</strong></p> <p>Fans of Christopher Plummer’s Captain von Trapp will be disappointed to learn that he hated the film so much he called it “The Sound of Mucus”. “Because it was so awful and sentimental and gooey,” he said. “You had to work terribly hard to try and infuse some minuscule bit of humour into it.” To ease his pain, Plummer drank, even on set. He admitted on the DVD commentary that he was drunk when filming the Austrian music festival scene.</p> <p><strong>3. Charmian Carr injured herself during “Sixteen going on seventeen”</strong></p> <p>Charmian Carr, who played Liesl Von Trapp, slipped while leaping from a bench in the gazebo scene. She fell through the glass and injured her ankle. In the scene, she is wearing a bandage on her leg, which is covered by make up.</p> <p><strong>4. Friedrich grew 15 centimetres during the six months of filming  </strong> </p> <p>Nicholas Hammond, who played Friedrich Von Trapp, grew from 1.60 metres to 1.75 metres in the six months of filming. It caused many continuity problems in the movie as Friedrich had to be shorter than Liesl but taller than Louisa. As the beginning of the film, Hammond had lifts in his films but by the end, Carr who played Liesl had to stand on a box.</p> <p><strong>5. Mia Farrow auditioned for the role of Liesl.</strong> </p> <p><span style="text-decoration: underline;"><strong><a href="https://youtu.be/66v7gtwRGdM" target="_blank" rel="noopener">Watch her audition tape here.</a></strong></span></p> <p><strong>6. The film is historically inaccurate</strong></p> <p>The movie is loosely based on the autobiography of Maria von Trapp, The Story of the Trapp Family Singers, but the film took many liberties. For instance, there were 10 von Trapp children, not seven. Maria left the convent to tutor one of the children, not to governess all them. Georg was a kind man, not the stern disciplinarian as depicted the film. Maria and him were married 11 years before the Nazis invaded Austria. And the Von Trapp family didn’t escape from the mountains by crossing over the mountains – that would have led straight to Hitler’s Germany.</p> <p><em>Image credits: Getty Images </em></p>

Movies

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Insider spills on Robert Irwin's plans for I'm a Celeb

<p>Robert Irwin received rave reviews for his co-hosting skills alongside Julia Morris on this year's<em> I'm a Celebrity...Get Me Out of Here</em>, but an insider has claimed that he won't be returning for another season.  </p> <p>"His easygoing and faultless live TV skills have won over the nation. But his career at Ten will only be short-lived, and he is heading back to Seven," a source told <em>Woman's Day</em>. </p> <p>The negotiation is believed to have been orchestrated by the ultimate "mumager" Terri Irwin. </p> <p>"The Irwins are very smart when it comes to negotiations," the insider added. </p> <p>The source also claimed that Robert's decision to join<em> I'm a Celebrity</em> was seen as a one-off opportunity to elevate his television profile - which he has achieved after bringing fresh energy into the show. </p> <p>Channel Seven is reportedly keen to welcome Robert back with a massive deal, according to the source. </p> <p>"Seven want Robert back and have thrown a king's ransom at him," they said.</p> <p>If the deal goes through, Julia Morris will have to find a new partner to head to the jungle with. </p> <p>Many fans have praised Robert for bringing some fun into the jungle. </p> <p>"I have not ever been keen on watching this show but Robert you have brought some class and good honest fun to the jungle. Thank you," one fan wrote under a clip of the show's grand finale that Robert posted on his Instagram. </p> <p>"How awesome was Robert? This gig was like it was made for him. What a natural," another added. </p> <p>"Best year of I'm a Celebrity, and it was because you added something to the show as Co-Host. Brilliant job for somebody with no experience but with a lot to give," commented a third. </p> <p><em>Images: Instagram</em></p>

TV

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How tracking menopause symptoms can give women more control over their health

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/deborah-lancastle-1452267">Deborah Lancastle</a>, <em><a href="https://theconversation.com/institutions/university-of-south-wales-1586">University of South Wales</a></em></p> <p>Menopause can cause more symptoms than hot flushes alone. And some of your symptoms and reactions might be due to the menopause, even if you are still having periods. Research shows that keeping track of those symptoms can help to alleviate them.</p> <p>People sometimes talk about the menopause as though it were a single event that happens when you are in your early 50s, which is <a href="https://www.mayoclinic.org/diseases-conditions/menopause/symptoms-causes/syc-20353397#:%7E:text=Menopause%20is%20the%20time%20that,is%20a%20natural%20biological%20process.">the average time</a> to have your last period. But the menopause generally stretches between the ages of 45 and 55. And some women will experience an earlier “medical” menopause because of surgery to remove the womb or ovaries.</p> <p>The menopause often happens at one of the busiest times of life. You might have teenagers at home or be supporting grown-up children, have elderly parents, be employed and have a great social life. If you feel exhausted, hot and bothered, irritable and can’t sleep well, you might be tempted to think that it is because you never get a minute’s peace. But that is why monitoring symptoms is important.</p> <p><a href="https://journals.lww.com/menopausejournal/Abstract/2023/03000/Symptom_monitoring_improves_physical_and_emotional.7.aspx">My team recently tested</a> the effects of tracking symptoms and emotions during the menopause. We asked women to rate 30 physical and 20 emotional symptoms of the menopause.</p> <p>The physical and psychological symptoms included poor concentration, problems with digesting food, stress and itchy skin, as well as the obvious symptoms like hot flushes and night sweats. Women tracked positive emotions like happiness and contentment, and negative emotions like feeling sad, isolated and angry.</p> <p>There were two groups of women in this study. One group recorded their symptoms and emotions every day for two weeks. The other group recorded their symptoms and emotions once at the beginning of the fortnight and once at the end.</p> <p>The results showed that the women who monitored their symptoms and emotions every day reported much lower negative emotions, physical symptoms and loneliness at the end of two weeks than at the beginning, compared to the other group.</p> <p>As well as this, although the loneliness scores of the group who monitored every day were lower than the other group, women in both groups said that being in the study and thinking about symptoms helped them feel less lonely. Simply knowing that other women were having similar experiences seemed to help.</p> <p>One participant said: “I feel more normal that other women are doing the same survey and are probably experiencing similar issues, especially the emotional and mental ones.”</p> <h2>Why does monitoring symptoms help?</h2> <p>One reason why tracking might help is that rating symptoms can help you notice changes and patterns in how you feel. This could encourage you to seek help.</p> <p>Another reason is that noticing changes in symptoms might help you link the change to what you have been doing. For example, looking at whether symptoms spike after eating certain foods or are better after exercise. This could mean that you change your behaviour in ways that improve your symptoms.</p> <p>Many menopause symptoms are known as “non-specific” symptoms. This is because they can also be symptoms of mental health, thyroid or heart problems. It is important not to think your symptoms are “just” the menopause. You should always speak to your doctor if you are worried about your health.</p> <p>Another good thing about monitoring symptoms is that you can take information about how often you experience symptoms and how bad they are to your GP appointment. This can help the doctor decide what might be the problem.</p> <p>Websites such as <a href="https://healthandher.com">Health and Her</a> and <a href="https://www.balance-menopause.com">Balance</a> offer symptom monitoring tools that can help you track what is happening to your physical and emotional health. There are several apps you can use on your phone, too. Or you might prefer to note symptoms and how bad they are in a notebook every day.<!-- 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/209004/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/deborah-lancastle-1452267">Deborah Lancastle</a>, Associate Professor of Psychology, <a href="https://theconversation.com/institutions/university-of-south-wales-1586">University of South Wales</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/how-tracking-menopause-symptoms-can-give-women-more-control-over-their-health-209004">original article</a>.</em></p> </div>

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‘Girl math’ may not be smart financial advice, but it could help women feel more empowered with money

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/ylva-baeckstrom-1463175">Ylva Baeckstrom</a>, <a href="https://theconversation.com/institutions/kings-college-london-1196">King's College London</a></em></p> <p>If you’ve ever calculated cost per wear to justify the price of an expensive dress, or felt like you’ve made a profit after returning an ill-fitting pair of jeans, you might be an expert in <a href="https://www.standard.co.uk/news/world/girl-maths-tiktok-trend-its-basically-free-b1100504.html">“girl math”</a>. With videos about the topic going viral on social media, girl math might seem like a silly (<a href="https://www.glamourmagazine.co.uk/article/girl-math-womens-spending-taken-seriously">or even sexist</a>) trend, but it actually tells us a lot about the relationship between gender, money and emotions.</p> <p>Girl math introduces a spend classification system: purchases below a certain value, or made in cash, don’t “count”. Psychologically, this makes low-value spending feel safe and emphasises the importance of the long-term value derived from more expensive items. For example, girl math tells us that buying an expensive dress is only “worth it” if you can wear it to multiple events.</p> <p>This approach has similarities to <a href="https://www.investopedia.com/terms/m/modernportfoliotheory.asp">portfolio theory</a> – a method of choosing investments to maximise expected returns and minimise risk. By evaluating how each purchase contributes to the shopping portfolio, girl math shoppers essentially become shopping portfolio managers.</p> <h2>Money and emotions</h2> <p>People of all genders, rich or poor, feel anxious when dealing with their personal finances. Many people in the UK do not understand pensions or saving enough to <a href="https://www.ons.gov.uk/employmentandlabourmarket/peopleinwork/workplacepensions/articles/pensionparticipationatrecordhighbutcontributionsclusteratminimumlevels/2018-05-04">afford their retirement</a>. Without motivation to learn, people avoid dealing with money altogether. One way to find this motivation, as girl math shows, is by having an emotional and tangible connection to our finances.</p> <p>On the surface, it may seem that women are being ridiculed and encouraged to overspend by using girl math. From a different perspective, it hints at something critical: for a person to really care about something as seemingly abstract as personal finance, they need to feel that they can relate to it.</p> <p>Thinking about money in terms of the value of purchases can help create an <a href="https://www.thetimes.co.uk/article/every-time-i-use-my-card-my-phone-buzzes-and-that-stops-me-shopping-ps0fjx6nj">emotional relationship</a> to finance, making it something people want to look after.</p> <figure><iframe src="https://www.youtube.com/embed/GPzA7B6dcxc?wmode=transparent&amp;start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe></figure> <h2>The girl math we need</h2> <p>Women are a consumer force to be reckoned with, controlling <a href="https://www.forbes.com/sites/bridgetbrennan/2015/01/21/top-10-things-everyone-should-know-about-women-consumers/#7679f9d6a8b4">up to 80%</a> of consumer spending globally. The girl math trend is a demonstration of women’s mastery at applying portfolio theory to their shopping, making them investment powerhouses whose potential is overlooked by the financial services industry.</p> <p><a href="https://www.theguardian.com/world/2019/oct/28/women-paid-less-than-men-over-careers-gender-pay-gap-report">Women are disadvantaged</a> when it comes to money and finance. Women in the UK earn on average £260,000 less than men during their careers and the retirement income of men is twice as high as women’s.</p> <p>As I’ve found in <a href="https://www.routledge.com/Gender-and-Finance-Addressing-Inequality-in-the-Financial-Services-Industry/Baeckstrom/p/book/9781032055572">my research</a> on gender and finance, women have lower financial self-efficacy (belief in their own abilities) compared to men. This is not helped by women feeling patronised when seeking financial advice.</p> <p>Because the world of finance was created by men for men, its language and culture are <a href="https://www.routledge.com/Gender-and-Finance-Addressing-Inequality-in-the-Financial-Services-Industry/Baeckstrom/p/book/9781032055572">intrinsically male</a>. Only in the mid-1970s did women in the UK gain the legal right to open a bank account without a male signature and it was not until 1980 that they could apply for credit independently. With the law now more (<a href="https://www.worldbank.org/en/news/press-release/2023/03/02/pace-of-reform-toward-equal-rights-for-women-falls-to-20-year-low">but not fully</a>) gender equal, the financial services industry has failed to connect with women.</p> <p>Studies show that 49% of women are <a href="https://www.ellevest.com/magazine/disrupt-money/ellevest-financial-wellness-survey">anxious about their finances</a>. However they have not bought into patronising offers and <a href="https://www.fa-mag.com/news/gender-roles-block-female-financial-experience--ubs-says-73531.html">mansplaining by financial advisers</a>. This outdated approach suggests that it is women, rather than the malfunctioning financial system, <a href="https://www.theguardian.com/commentisfree/2020/sep/16/women-are-not-financially-illiterate-they-need-more-than-condescending-advice">who need fixing</a>.</p> <p>Women continue to feel that they do not belong to or are able to trust the world of finance. And why would women trust an industry with a <a href="https://www.ons.gov.uk/employmentandlabourmarket/peopleinwork/earningsandworkinghours/bulletins/genderpaygapintheuk/2019">gender pay gap</a> of up to 59% and a severe lack of women in senior positions?</p> <p>Girl math on its own isn’t necessarily good financial advice, but if it helps even a handful of women feel more empowered to manage and understand their finances, it should not be dismissed.</p> <p><!-- 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/ylva-baeckstrom-1463175">Ylva Baeckstrom</a>, Senior Lecturer in Finance, <a href="https://theconversation.com/institutions/kings-college-london-1196">King's College London</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/girl-math-may-not-be-smart-financial-advice-but-it-could-help-women-feel-more-empowered-with-money-211780">original article</a>.</em></p> </div>

Money & Banking

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"I'm shocked": Queen of the jungle crowned in I'm a Celeb finale

<p>The 2024 season of <em>I’m A Celebrity … Get Me Out Of Here!</em> has concluded with the coronation of a new monarch. No, it’s not some royal lineage we’re talking about; it’s the queen of reality TV herself, Skye Wheatley.</p> <p>After weeks of enduring the culinary horrors of the jungle and the occasional emotional breakdown, Australia has spoken and Skye is officially their jungle royalty. Her reign over the camp was nothing short of spectacular, featuring riveting moments such as her triumph over creepy crawlies, her dramatic monologues about missing Wi-Fi, and of course, her unforgettable friendship with that one tree that seemed oddly supportive.</p> <p>In an “incredibly close” result that had us all on the edge of our seats (or couches, let’s be real), Skye managed to outshine her fellow campmates and secure the coveted title of Jungle Queen. But it wasn’t just about the glory; it was about the charity, too. Skye walked away with $100,000 for Bully Zero, proving once and for all that you can battle both bullies and bugs and emerge victorious.</p> <p>In her post-victory interview, Skye expressed her shock at the win, saying, “I’m shocked.” Truly, her eloquence knows no bounds. “I feel absolutely blessed to have had this opportunity, and to go through the things I went through with these boys.”</p> <p>But behind those eloquent words lies the heart of a true champion, one who faced her fears head-on and emerged triumphant, all while looking fabulous in a khaki jumpsuit.</p> <p>Before her jungle adventure, Skye confessed that she thought the public expected her to “fall flat on my face”. Well, Skye, the joke’s on them because you soared like a majestic eagle, or at least like a slightly disoriented possum.</p> <p>And let’s not forget the emotional rollercoaster that was the finale. Tears flowed like the Brisbane River as the top three reunited with their loved ones. It was a moment of pure emotion, a stark contrast to the usual scenes of celebrities eating bugs for our entertainment.</p> <p>As we bid farewell to another season of jungle shenanigans, we can’t help but reflect on the memories created, the friendships forged, and the questionable food choices made. Here’s to Skye Wheatley, the queen of our hearts and the jungle alike. Long may she reign, or at least until the next season starts.</p> <p>And to all the celebrities who braved the jungle, whether voluntarily or not, we salute you. May your next adventure be slightly less bug-infested and involve significantly more room service.</p> <p>New host Robert Irwin had the last word to longtime host Julia Morris: “From the bottom of my heart, I have loved this so much," he said. "It’s been so much fun.” </p> <p><em>Images: Network Ten</em></p>

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Give the gift of sustainable luxury this Mother’s Day

<p dir="ltr">With Mother’s Day around the corner, it’s time to celebrate the most important women in our lives with affordable luxury that doesn’t cost the earth. </p> <p dir="ltr">To spoil the mums in your life this year, discover the ideal gift to honour and celebrate your most treasured moments together with L’Occitane’s limited edition Mother’s Day collections. </p> <p dir="ltr">You can feel good about gifting these organic and sustainably sourced products to your loved ones, as L’Occitane have created these little luxuries while  respecting and caring for everything the ground grows for us and beyond. </p> <p dir="ltr">By sourcing fair-trade and organic shea butter from women’s collectives in Burkina Faso and recently in Ghana, L’Occitane are dedicated to helping the local ecosystem and supporting the community. </p> <p dir="ltr">The L’Occitane group celebrates the official B Corp certification, demonstrating that as a business, they’re not just about beauty; they believe in Cultivating Change to create a fairer, more equitable and regenerative planet.</p> <p dir="ltr">This Mother’s Day, L’Occitane has something for everyone, with gift packs available for every budget, ranging from just $34 to the ultimate gift set priced at $280. </p> <p dir="ltr">From hand creams, body lotions and washes, to fragrances and luxury skin care, these limited edition gifting packs have exactly what you need to give the gift of indulgence this Mother’s Day. </p> <p dir="ltr">L’Occitane presents a superb range that embodies the essence of gratitude, showing appreciation through thoughtfully selected gifts that not only pamper, but also reflect a commitment to sustainable practices. </p> <p dir="ltr">It’s more than a gift; it’s a gesture that acknowledges the importance of those who have shaped our lives.</p> <p dir="ltr">L’Occitane’s Mother’s Day collection is available now both <a href="https://au.loccitane.com/mothers-day.html">online</a> and in-store. </p> <p dir="ltr"><em>Image credits: Supplied / Getty Images</em></p>

Beauty & Style

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"His family was horrified": Young man jumps off cruise ship

<p>What was meant to be a voyage of leisure and joy turned into a nightmare in the early hours of Thursday morning when a young man made a fateful decision to leap overboard, leaving passengers and crew stunned and grieving.</p> <p>The incident occurred as Royal Caribbean's colossal 18-storey <em>Liberty of the Seas</em> cruise ship navigated the waters between Cuba and the Bahamas' Grand Inagua Island. <a href="https://nypost.com/2024/04/04/us-news/royal-caribbean-cruise-horror-as-20-year-old-man-jumps-overboard/" target="_blank" rel="noopener">According to the New York Post</a>, witnesses recounted the harrowing scene: a young man took a spontaneous plunge from one of the ship's decks, despite the desperate pleas and helplessness of his father and brother who stood witness to the impulsive act.</p> <p>Passengers onboard shared their accounts, describing the chilling moments leading up to the tragedy. Bryan Sims, one of the witnesses, told the <em>New York Post</em> he had spent time with the young man and his brother in the ship's hot tub until the early hours of the morning. "He was pretty drunk," Sims said, noting the jovial atmosphere that abruptly transformed into shock and chaos.</p> <p>The young man's declaration to his father, followed by his abrupt jump, left bystanders reeling in disbelief: “As we were walking from the hot tub back to the elevators, his dad and brother were walking towards us," Sims continued. "His dad was fussing at him for being drunk, I guess. When we got to them, he said to his dad, ‘I’ll fix this right now.’ And he jumped out the window in front of us all.” </p> <p>Deborah Morrison, another passenger, echoed the sentiments of shock and horror that rippled through the ship. "His family was horrified. Just beside themselves," she recounted. “There was a lot of yelling, and the crew was alerted immediately.”</p> <p>In a statement addressing the tragic incident, Royal Caribbean affirmed its commitment to providing support to the family, while respecting their privacy during this difficult time. </p> <p>Amy Phelps Fouse, another passenger onboard, attested to the sombre atmosphere that enveloped the ship in the wake of the tragedy. Despite the uncertainty that lingered, she commended Royal Caribbean for their transparency and compassionate response to the situation.</p> <p><em>More to come.</em></p> <p><em>Image: Royal Caribbean</em></p>

Cruising

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Your passport to salon-quality haircare on a budget

<p dir="ltr">There’s nothing quite like the feeling of walking out of the hairdressers to proudly show off your new cut or colour, and your hair is the softest it's ever felt. </p> <p dir="ltr">While this post-salon feeling is second to none, it's hard to recreate at home to avoid spending big bucks at your hairdressers more than you need to. </p> <p dir="ltr">And then begins the seemingly endless journey to find a shampoo and conditioner that works for your unique hair type without breaking the bank. Trawling down the aisles of supermarkets and chemists in search of these elusive products can often raise more questions than answers. </p> <p dir="ltr">What ingredients should you be steering clear of? What brands are better than others? What problem area should you be targeting? Does more expensive actually mean better?</p> <p dir="ltr">And so on and so forth, forever. </p> <p dir="ltr">Until, an unsung hero swoops in to save the day. </p> <p dir="ltr">After absolutely perfecting affordable makeup, Revlon have made their foray into haircare, with Revlon Professional having the answer for everyone’s individual hair care needs while keeping the prices low.   </p> <p dir="ltr">Revlon Professional have a shampoo, conditioner and hair mask to cover everyone, with their systems covering everything from hydration and volume to colour protection, restoration, curly hair maintenance and more. </p> <p dir="ltr">I tried out the Revlon Professional RE/START Hydration system over two weeks while on holiday to really put it to the test.</p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-permalink="https://www.instagram.com/p/C1X1n6AI9FP/?utm_source=ig_embed&amp;utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/p/C1X1n6AI9FP/?utm_source=ig_embed&amp;utm_campaign=loading" target="_blank" rel="noopener">A post shared by Revlon Professional Australia (@revlonprofessionalaustralia)</a></p> </div> </blockquote> <p dir="ltr">While I was testing out the three-step system, I was exposing my hair to chlorine pools, salty ocean water and relentless humidity. On top of this, my poor hair has suffered years of abuse (at my own hands), and has been bleached several times, draining my hair of any natural moisture.</p> <p dir="ltr">I have tried dozens of ultra hydration products to make my hair look marginally better than a hay bale, and have yet to find my holy grail solution. </p> <p dir="ltr">I was expecting the Revlon Professional range to do what every other product does: give me maybe 12 hours of softness before my hair goes back to looking like a tumbleweed.</p> <p dir="ltr">Obviously my years of trying every product on the market has made me jaded, because the  RE/START Hydration system was so much more than I ever expected. </p> <p dir="ltr">Over two weeks of trying out the products, I used the shampoo, conditioner and mask about four times. After the first time of using them, I was completely shocked at how hydrated my hair stayed until it was next time for a wash. </p> <p dir="ltr">Unlike other products on the market, the RE/START Hydration system keeps your hair hydrated for days, all while looking clean, healthy, shiny and untangled, without weighing your hair down. </p> <p dir="ltr">At last, I have finally found my holy grail products and I will sing their praises from the rooftops. </p> <p dir="ltr">Whatever your hair concerns may be, Revlon Professional has the answer for you, all while keeping your wallet in mind. </p> <p dir="ltr">But don’t just take my word for it. The Revlon Professional ranges are available at <a href="https://www.adorebeauty.com.au/b/revlon-professional.html?p=2">Adore Beauty</a>, <a href="https://www.ozhairandbeauty.com/brands/revlon-professional">Oz Hair &amp; Beauty</a> and Revlon’s <a href="https://www.revlonprofessional.com/">official website</a> for you to find your own holy grail products, and have salon fresh hair all year round. </p> <p dir="ltr"><em>Image credits: Getty Images </em></p>

Beauty & Style

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The shocking amount of compensation awarded to the Abdallah family

<p>The Abdallah family have been awarded a tiny amount of compensation, four years after the deaths of three young kids. </p> <p>In February 2020, Samuel William Davidson was driving in the Sydney suburb of Oatlands when he struck a group of four kids, killing Abdallah children Antony, 13, Angelina, 12 and Sienna Abdallah, 9, and their cousin Veronique Sakr, 11.</p> <p>Now, four years on, father Danny and mother Leila have won a payout from Davidson totalling a mere $90,000. </p> <p>The NSW District Court ordering Davidson pay $60,000, plus costs, to Abdallah's three surviving children, Liana, Alex and Michael. </p> <p>Mr Abdallah sued Mr Davidson last year seeking payment for ongoing trauma to Liana, who was injured but survived the catastrophic accident, and his sons who suffered the psychological trauma of losing their siblings. </p> <p>The court order, obtained by <em><a href="https://www.dailymail.co.uk/news/article-13234123/Abdallah-family-compensation-Oatlands-crash.html" target="_blank" rel="noopener">Daily Mail Australia</a></em>, said that the net sum for three children was to be paid to the NSW Trustee and Guardian for investment until each of them turns 18 years old. </p> <p>Following the deadly crash, Samuel William Davidson, who was under the influence of alcohol and drugs at the time of the incident, was sentenced in 2021 to 28 years' jail with a non-parole period of 21 years, which was reduced on appeal last year to a maximum of 20 years with a minimum of 15 years.</p> <p>Mr Abdallah's court action against Davidson, who will be in prison until at least 2035, is believed to have been lodged against the driver's insurance company which will make the payout.</p> <p><em>Image credits: Facebook</em></p>

Legal

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Undernourished, stressed and overworked: cost-of-living pressures are taking a toll on Australians’ health

<p><em><a href="https://theconversation.com/profiles/nicole-black-103425">Nicole Black</a>, <a href="https://theconversation.com/institutions/monash-university-1065">Monash University</a>; <a href="https://theconversation.com/profiles/anthony-harris-7148">Anthony Harris</a>, <a href="https://theconversation.com/institutions/monash-university-1065">Monash University</a>; <a href="https://theconversation.com/profiles/danusha-jayawardana-1406565">Danusha Jayawardana</a>, <a href="https://theconversation.com/institutions/monash-university-1065">Monash University</a>, and <a href="https://theconversation.com/profiles/david-johnston-1126643">David Johnston</a>, <a href="https://theconversation.com/institutions/monash-university-1065">Monash University</a></em></p> <p>For the past few years, it has been impossible to escape the impact of inflation. Meeting our most basic needs – such as food, housing and health care – now costs significantly more, and wage increases <a href="https://futurework.org.au/post/for-most-workers-wages-are-still-failing-to-keep-up-with-inflation/">haven’t kept up</a>.</p> <p>There are signs relief could be on the horizon. Inflation has fallen to its <a href="https://www.abs.gov.au/statistics/economy/price-indexes-and-inflation/consumer-price-index-australia/latest-release">lowest levels</a> since January 2022.</p> <p>But Australia now also finds itself in the midst of an <a href="https://theconversation.com/prepare-to-hear-about-an-official-recession-unofficially-weve-been-in-one-for-some-time-224963">economic downturn</a>, putting further pressure on households.</p> <p>Rising prices have an obvious negative impact on our financial health. But they can also have a profound effect on our physical and mental wellbeing, which is often overlooked.</p> <p>Australians may continue to feel the health effects of high inflation for quite some time.</p> <h2>It’s costing more to live well</h2> <p>Between March 2021 and March 2023, the price of goods and services <a href="https://www.abs.gov.au/statistics/economy/price-indexes-and-inflation/consumer-price-index-australia/jun-quarter-2023">rose substantially</a>, marking a period of high <a href="https://www.rba.gov.au/education/resources/explainers/inflation-and-its-measurement.html">inflation</a>.</p> <p><iframe id="5vFeh" class="tc-infographic-datawrapper" style="border: none;" src="https://datawrapper.dwcdn.net/5vFeh/" width="100%" height="400px" frameborder="0"></iframe></p> <p>Worryingly, the prices of basic needs that are important for staying healthy – nutritious food, health care, housing and utilities – rose between 11% and 36%.</p> <h2>Who is affected the most?</h2> <p>Higher prices on essentials are virtually impossible to dodge, but they impact certain groups of people more than others.</p> <p>Wealthier households have managed their higher expenses by <a href="https://www.rba.gov.au/publications/fsr/2023/oct/pdf/financial-stability-review-2023-10.pdf">cutting back on discretionary spending and dipping into savings</a>.</p> <p>However, lower income households spend <a href="https://www.rba.gov.au/publications/fsr/2023/oct/household-business-finances-in-australia.html#:%7E:text=Lower%20income%20households%2C%20including%20many,than%20households%20on%20higher%20incomes.">a much larger portion of their income</a> on housing and other essentials.</p> <p>Without a savings buffer, these households experience severe financial strain and poor health outcomes.</p> <h2>Financial stress affects our health</h2> <p>Our research shows that high inflation has <a href="https://www.vichealth.vic.gov.au/resources/resource-download/high-inflation-and-implications-for-health">a range of effects</a> on people’s health.</p> <p>These effects fall into three main groups: material hardship, psychosocial, and behavioural.</p> <p><strong>1. Material hardship</strong></p> <p>People facing material hardship can’t meet their basic needs because they can’t afford to pay for them.</p> <p>Material hardship can present itself in a variety of ways:</p> <ul> <li><a href="https://theconversation.com/how-many-australians-are-going-hungry-we-dont-know-for-sure-and-thats-a-big-part-of-the-problem-195360">food insecurity</a> – not getting adequate nutrition</li> <li><a href="https://theconversation.com/1-in-4-households-struggle-to-pay-power-bills-here-are-5-ways-to-tackle-hidden-energy-poverty-204672">energy poverty</a> – struggling to pay for electricity and gas</li> <li>deferred health care – putting off medical treatment</li> <li>housing insecurity – struggling to find a stable place to live.</li> </ul> <p>Between August 2022 and February 2023, when inflation hit its highest levels in 33 years, over half (53%) of surveyed Australians reported <a href="https://melbourneinstitute.unimelb.edu.au/data/taking-the-pulse-of-the-nation-2022/2023/australians-face-challenging-budgetary-constraints">struggling to afford</a> their basic needs.</p> <p>Finding ourselves in this situation can have far-reaching implications for our health.</p> <p>For example, food insecurity is linked to <a href="https://www.vichealth.vic.gov.au/sites/default/files/VH_High-Inflation-Paper_FINAL_1.pdf">an increased risk of poor nutrition, obesity and chronic illness</a>, as households facing cost-of-living pressures shift towards cheaper, lower-quality food options.</p> <p>Energy poverty is linked to <a href="https://www.vichealth.vic.gov.au/sites/default/files/VH_High-Inflation-Paper_FINAL_1.pdf">physical and mental health problems</a> as people struggle to keep warm in wintertime, and cool in the summer.</p> <p>Delaying health care <a href="https://www.vichealth.vic.gov.au/sites/default/files/VH_High-Inflation-Paper_FINAL_1.pdf">increases</a> the risk of facing severe health problems, staying in hospital for longer, and being admitted to the emergency department. This isn’t just worse for individuals, it’s also far more costly for our health care system.</p> <p><strong>2. Psychosocial effects</strong></p> <p>Psychosocial effects are the ways in which cost-of-living pressures impact our mind and social relationships.</p> <p>Difficulties in meeting our basic needs are strongly associated with <a href="https://www.vichealth.vic.gov.au/sites/default/files/VH_High-Inflation-Paper_FINAL_1.pdf">increased levels of psychological distress</a>, including symptoms of anxiety and depression.</p> <p>This impact can worsen over time if individuals experience sustained financial stress.</p> <p>By undermining our ability to work well, the psychosocial effects of prolonged financial stress can initiate a “vicious cycle”, leading to reduced productivity and lower earnings.</p> <p>Financial stress can also have a detrimental impact on spousal relationships, which can affect the mental health of other household members such as children.</p> <p><strong>3. Behavioural effects</strong></p> <p>Cost-of-living pressures can also cause a number of changes in the way we behave.</p> <p>For many, these pressures have become a reason to work longer hours and gain additional income.</p> <p>Last year, Australians collectively worked 4.6% longer, an <a href="https://www.abs.gov.au/statistics/labour/employment-and-unemployment/labour-force-australia/aug-2023">extra 86 million hours</a>.</p> <p>But working longer hours <a href="https://www.vichealth.vic.gov.au/sites/default/files/VH_High-Inflation-Paper_FINAL_1.pdf">reduces people’s overall health</a>, especially among parents of young children facing greater time constraints.</p> <p>It also leaves less time for activities that help to keep people healthy, such as getting regular exercise and cooking healthy meals.</p> <h2>How can policymakers respond?</h2> <p>In theory, the Reserve Bank of Australia’s primary tool for combating inflation – raising interest rates – should help. By reducing aggregate spending in the economy, it is designed to put downward pressure on prices.</p> <p>But by bluntly increasing the cost of borrowing, it also puts significant short-term financial pressure on both lower-income mortgage holders and renters.</p> <p>Better acknowledgement of this fact, and of inflation’s broader impact on people’s physical and mental health, would be a great start.</p> <p>When formulating policy responses to high inflation, governments could factor health and wellbeing impacts into their assessment of the trade-offs between alternative policy responses.</p> <p>This could help minimise any policy’s long-term negative health consequences and its impact on the health care system.</p> <p>Policymakers could also focus on making sure affordable and timely access to health care, especially mental health support, is made available to those most vulnerable to cost-of-living pressures.<!-- 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/223625/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/nicole-black-103425">Nicole Black</a>, Associate Professor of Health Economics, <a href="https://theconversation.com/institutions/monash-university-1065">Monash University</a>; <a href="https://theconversation.com/profiles/anthony-harris-7148">Anthony Harris</a>, Professor of Health Economics, <a href="https://theconversation.com/institutions/monash-university-1065">Monash University</a>; <a href="https://theconversation.com/profiles/danusha-jayawardana-1406565">Danusha Jayawardana</a>, Research Fellow in Health Economics, <a href="https://theconversation.com/institutions/monash-university-1065">Monash University</a>, and <a href="https://theconversation.com/profiles/david-johnston-1126643">David Johnston</a>, Professor of Health Economics, <a href="https://theconversation.com/institutions/monash-university-1065">Monash University</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/undernourished-stressed-and-overworked-cost-of-living-pressures-are-taking-a-toll-on-australians-health-223625">original article</a>.</em></p>

Money & Banking

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Is hyaluronic acid as effective as skincare brands claim?

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

Beauty & Style

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Full cast for I'm A Celeb revealed

<p>The much-anticipated premiere of <em>I'm A Celebrity... Get Me Out Of Here!</em> hit screens with a bang, revealing a star-studded lineup of personalities ready to face the challenges of the South African jungle. Channel 10 unveiled the roster on Sunday's premiere episode, promising viewers an exciting season ahead.</p> <p>Leading the charge was none other than Hollywood child star Frankie Muniz, known for his iconic role in <em>Malcolm in the Middle</em>. Muniz, who surprised both fans and fellow contestants with his presence, was joined by an array of intriguing personalities, each bringing their own flair to the jungle.</p> <p>Retired Australian iron-woman Candice Warner, wife of cricketer David Warner, made a notable entrance, expressing her surprise at Muniz's participation. Alongside Warner, the lineup boasted a diverse mix of talents, including retired Paralympian Ellie Cole, British comedian Stephen K. Amos, influencer Skye Wheatley, and former Studio 10 host Tristan MacManus.</p> <p>The premiere episode kicked off with Muniz leading the pack, setting the stage for a series of nerve-wracking challenges. Hosted by the dynamic duo of Julia Morris and Robert Irwin, the celebrities faced their first trial: Warner locked in a glass room teeming with cockroaches, while her campmates braved a mystery box challenge to secure her release.</p> <p>However, the drama didn't stop there. Wheatley's fear of snakes led to a tearful breakdown during her challenge, highlighting the intense nature of the jungle environment. Yet, despite the obstacles, the contestants displayed resilience and determination, setting the tone for an adrenaline-fuelled season.</p> <p>As the episode unfolded, additional celebrities were unveiled, including AFL legend Peter Daicos, radio host Brittany Hockley, fitness guru Michelle Bridges, <em>Love Island </em>star Callum Hole, and <em>MasterChef</em> contestant Khanh Ong.</p> <p>Among the standout contestants is Michelle Bridges, renowned for her role on <em>The Biggest Loser</em> and her thriving fitness empire. Similarly, Khanh Ong, known for his culinary prowess on <em>MasterChef Australia</em>, brings a unique skill set to the jungle environment. With such a diverse cast, the dynamics within the camp are sure to be electric.</p> <p>The premiere also offered glimpses into the personal lives of the contestants, from Cole's inspiring journey as a Paralympic swimmer to Warner's resilience showcased on <em>SAS Australia</em>. </p> <p>As the season progresses, viewers can expect more surprises, twists, and edge-of-your-seat moments. With an intruder poised to shake things up and a cast described as a "national treasure", the stage is set for an unforgettable season. </p> <p><em>Images: Network Ten</em></p>

TV

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Millions of Aussies set for power bill relief

<p>Millions of Aussies are set for some financial relief, with electricity costs set to drop by up to 7 per cent in the coming months. </p> <p>The Australian Energy Regulator (AER) and Victoria's Essential Services Commission (ESC) both released their draft default market offers - the maximum energy retailers are allowed to charge customers - for the 2024-25 financial year. </p> <p>Under the AER draft, residents in Sydney, Newcastle and the Hunter on the default offer will pay between 3 and 3.4 per cent less for electricity starting from July 1. </p> <p>The biggest drop is set for Victoria, with the ESC proposing a 6.4 per cent decrease. </p> <p>Those in Western Sydney, the Illawarra, and South Coast, will see their electricity bills decrease by 1.9 to 7.1 per cent. </p> <p>South Australians will receive a drop between 0.5 and 2.5 per cent. </p> <p>A number of small business customers will also benefit from lower power bill costs with 9.7 per cent for Sydney, Newcastle and the Hunter; 4.4 per cent for Western Sydney and the South Coast; 0.3 per cent for South-East Queensland; 8.2 per cent for South Australia; and 7 per cent for Victoria.</p> <p>Energy Minister Chris Bowen welcomed the news of lower power bill costs, but acknowledged that it will continue to play a part in the cost of living challenges faced by many Australians. </p> <p>"This is encouraging news," he said.</p> <p>"Encouraging for those small businesses and families who will receive lower energy bills as a result.</p> <p>"But nobody should suggest that there aren't real cost of living pressures around the world and in Australia, and energy prices are of course part of that and will continue to be."</p> <p>Not everyone will see a drop, with customers in the rest of regional NSW to get a small increase of 0.9 per cent, while the default offer for South East Queensland will increase by up to 2.7 per cent.</p> <p>While not all households are on the default offer, Bowen said that the AER's decision will also affect those not on the offer. </p> <p>"This either impacts directly or indirectly your energy bill," he said.</p> <p>"Directly for those on the default market offer. For those who aren't on the direct market offer, indirectly - the energy companies have to benchmark themselves against this, tell their consumers how they compare to this, and it provides very real pressure on them to match it.</p> <p>"If they don't, consumers will know about it and will make choices accordingly.</p> <p>"It's partly about those on the default market offer, but it actually impacts on all our bills indirectly."</p> <p>AER chair Clare Savage said that the cost of living crisis was the main contributor for their draft decision. </p> <p>"We know that economic conditions have put pressure on many Australians and the increases in electricity prices over the last two years has made energy less affordable for many households," she said. </p> <p>"In light of this, the AER has, in this decision, placed increased weight on protecting consumers." </p> <p>The draft decision is not final, with both the AER and ESC to receive consultation and feedback from stakeholders before confirming their default market offers in May.</p> <p><em>Image: Getty</em></p>

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