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SecondBite's Feed the Future Program: cultivating hope, one meal at a time

<p>In a world where food insecurity continues to plague communities, there shines a beacon of hope in the form of <a href="https://secondbite.org/">SecondBite</a>. Since its inception in 2005, SecondBite has worked tirelessly to rescue and redistribute surplus food, ensuring that no Australian goes to bed hungry. Now, with the launch of their Feed the Future program, they are taking their commitment to combating hunger and waste to new heights.</p> <p>The impact of SecondBite's efforts is truly staggering. Having already rescued and redistributed the equivalent of almost 300 million meals, they have become a lifeline for countless individuals and families facing food insecurity across the nation. But as the demand for their services continues to rise, so too does the need for support from generous donors and supporters.</p> <p>At the heart of SecondBite's purpose is the belief that every Australian deserves access to nutritious food, regardless of their circumstances. Through their Feed the Future program, they are not only addressing immediate hunger but also working towards a future where hunger and food waste are relics of the past.</p> <p>One individual who embodied this spirit of generosity was the late Frank Costa AO, a prominent Australian businessman and philanthropist. His unwavering commitment to giving back to the community lives on through a generous $1 million donation to SecondBite's Future Trust, ensuring that his legacy of compassion and service will continue to make a difference for years to come.</p> <p>“Frank was so passionate about health and the role that nutritious food plays in keeping us healthy,” says his widow, Shirley Costa. “He always said that the best way to preserve your health is to put the right food in your body, in particular, fruit and vegetables. He felt genuinely proud to provide a service to people, but also to contribute to their health and happiness. And he hoped that his gift would allow SecondBite to continue this legacy.”</p> <p><img class="alignnone size-full wp-image-70396" src="https://www.readersdigest.com.au/wp-content/uploads/2024/03/SecondBite_Hero_02.jpg" alt="" width="770" height="500" /></p> <p>For those considering leaving a gift to SecondBite in their will, the Feed the Future program offers a unique opportunity to create a lasting impact. By becoming a member, supporters can join a community of like-minded individuals dedicated to building a future where no one goes hungry.</p> <p>Membership in the Feed the Future program comes with a range of exclusive benefits, including a certificate of recognition, a special lapel pin, invitations to events, and even a symbolic apple tree to plant in your garden as a testament to your commitment to ending hunger.</p> <p>But perhaps the greatest reward of all is the knowledge that your gift will help SecondBite continue their vital work, providing nourishment, hope and dignity to those in need. Together, we can create a future where every Australian has a place at the table, and no one is left behind.</p> <p><img class="alignnone wp-image-70420 size-full" src="https://www.readersdigest.com.au/wp-content/uploads/2024/04/Cropped-Image_secondbite_770.jpg" alt="" width="770" height="500" /></p> <p>“If you share our vision of a place at the table for all Australians, so that every child, woman and man has access to a regular nutritious food supply,” says SecondBite co-founder Ian Carson, “please consider joining our Feed the Future program and making a gift to SecondBite in your Will.”</p> <p>To learn more about how you can support SecondBite's Feed the Future program and make a difference in the lives of those facing food insecurity, contact their team today at 1800 263 283 or visit <a href="https://secondbite.org/gifts-in-will/" target="_blank" rel="noopener">secondbite.org/gifts-in-will</a>.</p> <p>Join us in cultivating a brighter future for all Australians, one meal at a time.</p> <p><em>Images: Supplied.</em></p> <p><em>This is a sponsored article produced in partnership with SecondBite.</em></p>

Food & Wine

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Loyalty programs may limit competition, and they could be pushing prices up for everyone

<p><em><a href="https://theconversation.com/profiles/alexandru-nichifor-1342216">Alexandru Nichifor</a>, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a> and <a href="https://theconversation.com/profiles/scott-duke-kominers-1494057">Scott Duke Kominers</a>, <a href="https://theconversation.com/institutions/harvard-university-1306">Harvard University</a></em></p> <p>Loyalty programs enable firms to offer significantly lower prices to some of their customers. You’d think this would encourage strong competition.</p> <p>But that isn’t always what actually happens. <a href="https://papers.ssrn.com/sol3/papers.cfm?abstract_id=4377561">New research</a> shows that paradoxically, by changing the way companies target customers, loyalty programs can sometimes reduce price competition. The research also points to solutions.</p> <h2>A win-win proposition?</h2> <p>Joining a loyalty program is supposed to be a win-win. You – the customer – get to enjoy perks and discounts, while the company gains useful commercial insights and builds brand allegiance.</p> <p>For example, a hotel chain loyalty program might reward travellers for frequent stays, with points redeemable for future bookings, upgrades or other benefits. The hotel chain, in turn, records and analyses how you spend money and encourages you to stay with them again.</p> <p>Such programs are commonplace across many industries – appearing everywhere from travel and accommodation to supermarket or petrol retailing. But they are increasingly coming under scrutiny.</p> <p>In 2019, the Australian Competition and Consumer Commission (ACCC) <a href="https://www.accc.gov.au/about-us/publications/customer-loyalty-schemes-final-report">cautioned</a> consumers about the sheer volume of personal data collected when participating in a loyalty program, and what companies can do with it.</p> <p>Hidden costs – such as having to pay a redemption fee on rewards or losing benefits when points expire – are another way these schemes can harm consumers.</p> <p>But a larger question – how loyalty programs impact consumers overall – remains difficult to settle, because their effect on competitiveness is unclear. As the ACCC’s <a href="https://www.accc.gov.au/about-us/publications/customer-loyalty-schemes-final-report">final report</a> notes, on the one hand: "Loyalty schemes can have pro-competitive effects and intensify competition between rivals leading to competing loyalty discounts and lower prices for consumers."</p> <p>But on the other hand: "Loyalty schemes can also reduce the flexibility of consumers’ buying patterns and responsiveness to competing offers, which may reduce competition."</p> <h2>How a two-speed price system can hurt everyone</h2> <p>A new economic theory research <a href="https://papers.ssrn.com/sol3/papers.cfm?abstract_id=4377561">working paper</a>, coauthored by one of us (Kominers), suggests that on competitive grounds alone, loyalty programs can sometimes harm <em>all</em> consumers – both ordinary shoppers and the program’s own members.</p> <p>It’s easy to see how the ordinary shopper can be worse off. Since a firm’s loyalty program enables it to offer discounted prices to its members, the firm can raise the base prices it offers to everyone else. Those not participating in the program pay more than they otherwise would have, and the firm can respond by saying “join our program!” instead of having to lower its price.</p> <p>But sometimes, even the program’s own members can end up worse off.</p> <p>When a given customer’s loyalty status is not visible to a firm’s competitors – as is the case in many loyalty programs today – it’s hard for those competitors to identify them and entice them to switch.</p> <p>The main way to compete for those customers becomes to lower the base price for everyone, but this means missing out on the high base margins achieved through the existence of your own loyalty program – remember, having a loyalty program means you can charge non-members more.</p> <p>It’s often more profitable for firms to just maintain high base prices. This, in turn, reduces overall price competition for loyal customers, so firms can raise prices for them, too.</p> <h2>What’s the solution?</h2> <p>Despite these effects on competition, loyalty programs still offer benefits for consumers and an opportunity for brands to form closer relationships with them.</p> <p>So, how do we preserve these benefits while enabling price competition? The research suggests an answer: making a customer’s loyalty status verifiable, transparent and portable across firms. This would make it possible for firms to tailor offers for their competitors’ loyal customers.</p> <p>This is already happening in the market for retail electricity. While there aren’t loyalty programs there per se, a consumer’s energy consumption profile, which could be used by a competitor to calibrate a personalised offer, is known only to their current electricity supplier.</p> <p>To address this, in 2015, the Victorian government launched a <a href="https://compare.energy.vic.gov.au">program</a> encouraging households to compare energy offers. This process involved first revealing a customer’s energy consumption profile to the market, and then asking retailers to compete via personalised offers.</p> <p>By opening information that might have otherwise been hidden to the broader market, this approach enabled firms to compete for each other’s top customers, in a way that could be emulated for loyalty programs.</p> <p>Such systems in the private sector could build upon “<a href="https://thepointsguy.com/guide/airline-status-matches-challenges/">status match</a>” policies at airlines. These allow direct transfer of loyalty status, but currently rely on a lengthy, individual-level verification process.</p> <p>For example, a design paradigm known as “<a href="https://hbr.org/2022/05/what-is-web3">Web3</a>” – where customer transactions and loyalty statuses are recorded on public, shared blockchain ledgers – offers a way to make loyalty transparent across the market.</p> <p>This would enable an enhanced, decentralised version of status match: a firm could use blockchain records to verifiably identify who its competitors’ loyal customers are, and directly incentivise them to switch.</p> <p>Both startups and established firms have experimented with building such systems.</p> <h2>What next?</h2> <p>New academic research helps us model and better understand when loyalty programs could be weakening supply side competition and undermining consumer welfare.</p> <p>A neat universal solution may prove elusive. But targeted government or industry interventions – centred on increasing the transparency of a customer’s loyalty status and letting them move it between firms – could help level the playing field between firms and consumers.<!-- 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/220669/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/alexandru-nichifor-1342216"><em>Alexandru Nichifor</em></a><em>, Associate Professor, Faculty of Business and Economics, University of Melbourne, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a> and <a href="https://theconversation.com/profiles/scott-duke-kominers-1494057">Scott Duke Kominers</a>, Sarofim-Rock Professor of Business Administration, <a href="https://theconversation.com/institutions/harvard-university-1306">Harvard 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/loyalty-programs-may-limit-competition-and-they-could-be-pushing-prices-up-for-everyone-220669">original article</a>.</em></p>

Money & Banking

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Qantas announces massive overhaul of frequent flyer program

<p>Qantas, Australia's flagship airline, has unveiled significant changes to its frequent flyer program in response to ongoing feedback from millions of members. The announcement, made at the airline's headquarters in Sydney, marks one of the most substantial expansions in the 35-year history of the Qantas Frequent Flyer program.</p> <p>During the event, Qantas CEO Vanessa Hudson, alongside Andrew Glance, the newly appointed Loyalty boss, outlined the updates to both the media and select members of the frequent flyer program. These changes aim to address longstanding concerns and enhance the overall experience for loyal customers.</p> <p>A key highlight of the overhaul is the introduction of Classic Plus Flight Rewards, providing members with access to an additional 20 million reward seats for booking flights. Vanessa Hudson said that this expansion is a direct response to member feedback.</p> <p>“The Qantas Frequent Flyer program is an integral part of Qantas and has always been about recognising our customers for their loyalty," Hudson said. "We’ve spent a lot of time listening to members about how we can better reward them . . . We’re adding over 20 million new flight rewards with the launch of a new type of reward seat called Classic Plus. It’s one of the biggest expansions we’ve made to the Frequent Flyer program in its 35-year history."</p> <p>With Classic Plus Flight Rewards, frequent flyer members can now access sought-after destinations such as London, Tokyo, New York and Singapore with greater ease, even during peak travel periods. This substantial increase in available seats – 20 million annually compared to the previous 5 million – represents a significant advantage for members seeking to redeem their points for travel.</p> <p>However, it's important to note that while Classic Plus Flight Rewards offer increased availability, they will require more points to book compared to the original program.</p> <p>This announcement follows recent speculation about a major revamp of the frequent flyer program, with Qantas hinting at changes aimed at allowing customers to maximise the value of their points.</p> <p>These changes come in response to feedback from program members, some of whom have voiced frustrations about the devaluation of points and difficulties in securing rewards seats. </p> <p>Qantas' announcement of sweeping changes to its frequent flyer program signals a significant step in the airline's ongoing efforts to prioritise customer satisfaction and loyalty.</p> <p><em>Images: Qantas</em></p>

Money & Banking

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"Pathetic": Council slammed after move against FREE health program

<p>A woman who runs a free mental health yoga program has been ordered to pay the council $10,000 because her classes at St Kilda beach in Melbourne have become too popular. </p> <p>The City of Port Phillip Council was slammed for their actions after they told Eliza Hilmer she must pay them hundreds of dollars  per session for her <em>Feel Good Flows </em>classes.</p> <p>Hilmer, who does not make a profit from the classes, said she started the program during the pandemic to help people manage their mental health. </p> <p>“I play by the rules as much as I can,”  Hilmer told <em>Yahoo News</em>, adding that she acquired personal trainer permit as requested by the council. </p> <p>“We’ve been operating as an outdoor gathering for mental health practices more than anything, and it’s been really incredible." </p> <p>The classes, which initially attracted a few people, has gained a bit of traction with around 50 to 80 regular attendees. </p> <p>Hilmer encourages her attendees to leave a donation and provides free hot drinks and a live musician at the biweekly sessions. </p> <p>Because of its popularity, the council have classified <em>Feel Good Flows </em>as a commercial event, as the classes exceed the number of people covered by Hilmer's personal training license, and she was ordered to pay $400 a session. </p> <p>Hilmer was also given the option to cap the sessions at 15 people a time, but she said that "this isn't an option" as “many vulnerable people” rely on the service.</p> <p>With Hilmer having to pay three months upfront to keep classes running, the total adds up to $10,000, and locals are furious. </p> <p>"Another pathetic decision by useless bureaucrats,” one wrote on social media. </p> <p>“This council is being very mean spirited. Leave her alone!!”</p> <p>“Keep on going love don’t bow to the council,” a third added. </p> <p>Despite the outrage and being asked to pay to host her free yoga sessions, Hilmer remains positive. </p> <p>“I don’t want to fight,” she said.</p> <p>“The council can be the solution”.</p> <p>Port Phillip Mayor Heather Cunsolo replied saying that while she was "delighted" to see so many taking part in yoga sessions, "the business needs to adhere to its Personal Training Licence" to "ensure our popular public spaces remain available, safe and enjoyable for everyone." </p> <p>“We encourage Feel Good Flows to look at hosting additional yoga sessions on the foreshore to support its growing popularity," the <span style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;">Port Phillip </span><span style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;">mayor said. </span></p> <p>“Other businesses operating along the foreshore pay a licence fee for the use of public open space and adhere to the 15 person limit per session.</p> <p>"These capacity limits help provide fair access for many businesses operating with a Personal Training Licence, while minimising any potential disruption for visitors to our foreshore." </p> <p>She added that she has been in contact with  Feel Good Flows, and are happy to discuss details further. </p> <p>"If the petition is sent to Council the matter will be heard in the Council Chamber.”</p> <p><em>Images: Instagram</em></p>

Legal

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Victoria Beckham's cooking skills hilariously slammed by her own daughter

<p>Victoria Beckham's cooking skills have been playfully roasted by her daughter, Harper Beckham.</p> <p>In an Instagram story shared to her 31.4 million followers, the former Spice Girl documented a family baking session featuring herself, husband David Beckham, and their daughter Harper.</p> <p>David was filmed in the middle of whipping up an apple crumble using apples from the "Beckham Orchard," while Harper was busy baking chocolate chip cookies.</p> <p>While the father-daughter duo were channeling their inner baker, Victoria was filming the moment and asked Harper whether she inherited her culinary talents from her mum or dad.</p> <p>"Did you learn to cook from daddy or mummy?" Victoria asked Harper in the light-hearted clip.</p> <p>With a mischievous grin, Harper retorted, "Mummy, you can't even make cereal!"</p> <p>"Oh wow, Mummy can't even make cereal," Victoria responded. </p> <p>"Well you can make chicken Kiev but that comes from M&amp;S," the 12-year-old said, adding insult to injury. </p> <p>M&amp;S (Marks and Spencer) is the local British retailer, which specialises in clothing, food and home products among other things. </p> <p>Victoria hilariously captioned the video: "I get it Harper… I can't cook."</p> <p>The Beckhams often invite fans into their kitchen through their social media, and document their cooking escapades. </p> <p>Watch the full clip <a href="https://kitchen.nine.com.au/latest/harper-beckham-roasts-mum-victoria-beckham-cooking-skills-in-new-clip/e538cdaa-f295-427d-b334-4bb7351da1bd" target="_blank" rel="noopener">here</a>. </p> <p><em>Images: Instagram</em></p>

Family & Pets

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Can’t afford a gym membership or fitness class? 3 things to include in a DIY exercise program

<p><em><a href="https://theconversation.com/profiles/lewis-ingram-1427671">Lewis Ingram</a>, <a href="https://theconversation.com/institutions/university-of-south-australia-1180">University of South Australia</a>; <a href="https://theconversation.com/profiles/hunter-bennett-1053061">Hunter Bennett</a>, <a href="https://theconversation.com/institutions/university-of-south-australia-1180">University of South Australia</a>, and <a href="https://theconversation.com/profiles/saravana-kumar-181105">Saravana Kumar</a>, <a href="https://theconversation.com/institutions/university-of-south-australia-1180">University of South Australia</a></em></p> <p>With the rising cost of living, gyms memberships and fitness classes are becoming increasingly unaffordable. But the good news is you can make <a href="https://pubmed.ncbi.nlm.nih.gov/28655559/">just as much progress at home</a>.</p> <p>Cardiovascular endurance, muscle strength and flexibility are the <a href="https://www.acsm.org/docs/default-source/publications-files/acsms-exercise-testing-prescription.pdf?sfvrsn=111e9306_4">most important</a> components of fitness. And each can be trained with little or no equipment. Let’s look at why – and how – to fit them into your DIY exercise program.</p> <h2>1. Cardiovascular endurance</h2> <p>Cardiovascular endurance exercise (or “cardio”) forces the heart and lungs to increase the supply of oxygen to the working muscles. Heart disease is a <a href="https://www.who.int/news-room/fact-sheets/detail/the-top-10-causes-of-death">leading cause of death</a> and cardiovascular endurance exercise helps keep the heart healthy.</p> <p>The best thing about cardio is you don’t need any fancy equipment to do it. Walking, jogging and running are great options, as are cycling, skipping rope and swimming.</p> <p>There are two approaches to maximise cardiovascular endurance:</p> <ul> <li> <p><a href="https://pubmed.ncbi.nlm.nih.gov/8897392/">high-intensity interval training</a> (HIIT) – short bouts of hard exercise (around 80% to 95% of your maximum heart rate) interspersed with lower intensity recovery periods (around 40% to 50% of your maximum heart rate)</p> </li> <li> <p><a href="http://pubmed.ncbi.nlm.nih.gov/26664271/">low-intensity steady-state</a> (LISS) exercise – aerobic activity performed continuously at a low-to-moderate intensity (around 50% to 65% of your maximum heart rate) for an extended duration.</p> </li> </ul> <p>Both are great options. While high-intensity interval training can be more time efficient, low-intensity steady-state training might be more enjoyable and easier to sustain long-term.</p> <p>No matter what you choose, <a href="https://www.who.int/news-room/fact-sheets/detail/physical-activity">aim for</a> a minimum of 150 minutes of moderate-intensity or 75 minutes of vigorous-intensity cardiovascular exercise each week. For example, you could try 30 minutes, five days per week of low intensity cardio, or 25 minutes, three days per week of high-intensity activity, or a combination of the two.</p> <p>How do you know if you’re exercising at the right intensity?</p> <p>Smart watches that measure heart rate can help to monitor intensity. Or you can rely on the good old-fashioned <a href="https://pubmed.ncbi.nlm.nih.gov/25536539/">talk test</a>. During low-intensity activity, you should be able to speak in full sentences. Conversely, short phrases (initially) or single words (towards the end) should be all that’s manageable during high-intensity exercise.</p> <h2>2. Muscle strength</h2> <p>Next is muscle strength, which we train through resistance exercise. This is important for bone health, balance and metabolic health, especially as we age and our <a href="https://pubmed.ncbi.nlm.nih.gov/30276173/">muscle mass and strength declines</a>.</p> <p>Aim for two days per week of whole-body resistance exercise performed at a moderate or <a href="https://www.who.int/news-room/fact-sheets/detail/physical-activity">greater intensity</a>. Try to build two weekly sessions that target the major muscle groups. This could include:</p> <ul> <li>squats – lower to the ground from standing by bending the hips, knees, and ankles while keeping the chest up tall before returning to standing by straightening the hips, knees and ankles</li> </ul> <ul> <li> <p><a href="https://www.physio-pedia.com/Hip_Hinge">hinges</a> – fold forward at the hips by pushing your bottom back to the wall behind you, keeping your back straight. A slight bend in the knees is fine but aim to keep your shins vertical</p> </li> <li> <p><a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC7196742/">push-ups</a> – if a full push-up is too difficult, you can place your hands on a raised surface such as a step or a chair</p> </li> <li> <p>horizontal and vertical pull ups – using something like a portable chin up bar, which you can buy from sports supply stores</p> </li> <li> <p>vertical pushes – pushing an object (or weight) vertically from the top of your chest to an overhead position.</p> </li> </ul> <p>Once you have selected your exercises, <a href="https://pubmed.ncbi.nlm.nih.gov/35873210/">perform</a> 2–3 sets of 8–12 repetitions at a moderate to greater intensity, with about 90 seconds rest between each set.</p> <p>As you progress, continue to challenge your muscles by adding an extra set to each exercise, or including dumbbells, changing body position or wearing a backpack with weights. The goal should be to progress slightly each session.</p> <p>However, if you have any underlying health conditions, disabilities, or are unsure how best to do this, see an exercise physiologist or physiotherapist.</p> <h2>3. Flexibility</h2> <p>Improved flexibility can <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC3273886/">increase your range of motion</a> and improve your ability to manage daily life.</p> <p>While we don’t know the <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC3273886/">best means of increasing flexibility</a>, the most basic and readily accessible is static <a href="https://www.topendsports.com/testing/flex.htm">stretching</a>. Here, we lengthen the muscle – for example, the hamstrings, until we feel a “stretching” sensation. Hold that position for 15–30 seconds.</p> <p>While the precise intensity of this stretching sensation <a href="https://pubmed.ncbi.nlm.nih.gov/26347668/">remains elusive</a>, <a href="https://pubmed.ncbi.nlm.nih.gov/29506306/">around 5–10 minutes</a> per week per <a href="https://exrx.net/Lists/Directory">muscle group</a>, spread across five days, seems to provide the best results.</p> <h2>How to stick with it?</h2> <p>The best exercise is the one that gets done. So, whatever you choose, make sure you enjoy it. After all, it’s about creating an ongoing commitment to exercise that will deliver long-term health benefits.</p> <p>It’s also important to ensure you’re ready to exercise, especially if you have any underlying health issues, have been previously inactive, or are unsure how to start. A <a href="https://www.ausactive.org.au/apss">pre-exercise screening</a> can help you to determine whether you should see a doctor or allied health professional before starting an exercise program and for guidance on the next steps. <!-- 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/206204/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/lewis-ingram-1427671">Lewis Ingram</a>, Lecturer in Physiotherapy, <a href="https://theconversation.com/institutions/university-of-south-australia-1180">University of South Australia</a>; <a href="https://theconversation.com/profiles/hunter-bennett-1053061">Hunter Bennett</a>, Lecturer in Exercise Science, <a href="https://theconversation.com/institutions/university-of-south-australia-1180">University of South Australia</a>, and <a href="https://theconversation.com/profiles/saravana-kumar-181105">Saravana Kumar</a>, Professor in Allied Health and Health Services Research, <a href="https://theconversation.com/institutions/university-of-south-australia-1180">University of South Australia</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/cant-afford-a-gym-membership-or-fitness-class-3-things-to-include-in-a-diy-exercise-program-206204">original article</a>.</em></p>

Body

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Flex your sustainability skills this Plastic Free July

<p dir="ltr">It’s no secret that single-use plastics are often a huge part of our lives, with grocery items and household essentials often relying on plastic for their packaging. </p> <p dir="ltr">However, if you look a little further, you’ll find that there are sustainable options out there to help curb your plastic consumption. </p> <p dir="ltr">The annual global initiative of <a href="https://www.plasticfreejuly.org/">Plastic Free July</a> is once again taking place, with over 190 countries determined to be a part of the plastic pollution solution. </p> <p dir="ltr">Plastic Free July is a great opportunity to discover more sustainable options in day to life, while also helping to save valuable dollars during the ongoing cost of living crisis. </p> <p dir="ltr">In collaboration with this international movement, <a href="https://www.brita.com.au/">BRITA</a> have shared ten valuable tips to help reduce individual plastic waste contribution in everyday life. </p> <ol> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">Make the switch to a filtered water jug and reusable bottle instead of drinking single-use bottles of water at home or at the office.</p> </li> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">Instead of plastic food wraps, choose alternatives such as beeswax wraps or reusable containers.</p> </li> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">Try a bamboo toothbrush instead of a plastic one.</p> </li> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">Skip the plastic straw or buy stainless steel straws to reduce dangerous plastic waste caused by used straws. Think of the turtles!</p> </li> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">Try out powdered laundry detergent that comes in a box instead of laundry liquid in plastic bottles.</p> </li> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">Swap plastic bin liners for newspaper or certified compostable ones instead.</p> </li> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">Avoiding pre-packaged foods by choosing bulk or loose food. Or, better yet, take in your own jars. </p> </li> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">Use soap bars instead of liquid soap in plastic containers.</p> </li> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">Use your own cutlery when ordering takeaway food, instead of relying on plastic ones.</p> </li> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">Always consider the three R’s for a better planet – reduce, reuse, recycle!</p> </li> </ol> <p dir="ltr"><em>Image credits: Getty Images </em></p>

Home & Garden

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5 reasons kids still need to learn handwriting (no, AI has not made it redundant)

<p><a href="https://theconversation.com/profiles/lucinda-mcknight-324350">Lucinda McKnight</a>, <em><a href="https://theconversation.com/institutions/deakin-university-757">Deakin University</a></em> and <a href="https://theconversation.com/profiles/maria-nicholas-1443112">Maria Nicholas</a>, <em><a href="https://theconversation.com/institutions/deakin-university-757">Deakin University</a></em></p> <p>The world of writing is changing.</p> <p>Things have moved very quickly from keyboards and predictive text. The rise of generative artificial intelligence (AI) means <a href="https://theconversation.com/in-an-ai-world-we-need-to-teach-students-how-to-work-with-robot-writers-157508">bots can now write human-quality text</a> without having hands at all.</p> <p>Recent improvements in speech-to-text software mean even human “writers” do not need to touch a keyboard, let alone a pen. And with help from AI, <a href="https://www.theguardian.com/technology/2023/may/01/ai-makes-non-invasive-mind-reading-possible-by-turning-thoughts-into-text">text can even be generated by decoders</a> that read brain activity through non-invasive scanning.</p> <p>Writers of the future will be talkers and thinkers, without having to lift a finger. The word “writer” may come to mean something very different, as people compose text in multiple ways in an increasingly digital world. So do humans still need to learn to write by hand?</p> <h2>Handwriting is still part of the curriculum</h2> <p>The pandemic shifted a lot of schooling online and some major tests, <a href="https://www.nap.edu.au/naplan/understanding-online-assessment">such as NAPLAN</a> are now done on computers. There are also <a href="https://theconversation.com/teaching-cursive-handwriting-is-an-outdated-waste-of-time-35368">calls</a> for cursive handwriting to be phased out in high school.</p> <p>However, learning to handwrite is still a key component of the literacy curriculum in primary school.</p> <p>Parents may be wondering whether the time-consuming and challenging process of learning to handwrite is worth the trouble. Perhaps the effort spent learning to form letters would be better spent on coding?</p> <p>Many students with disability, after all, already learn to write with <a href="https://www.understood.org/en/articles/assistive-technology-for-writing">assistive technologies</a>.</p> <p>But there are are a number of important reasons why handwriting will still be taught – and still needs to be taught – in schools.</p> <figure class="align-center "><img src="https://images.theconversation.com/files/530220/original/file-20230606-17-7sme40.jpg?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/530220/original/file-20230606-17-7sme40.jpg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=600&amp;h=400&amp;fit=crop&amp;dpr=1 600w, https://images.theconversation.com/files/530220/original/file-20230606-17-7sme40.jpg?ixlib=rb-1.1.0&amp;q=30&amp;auto=format&amp;w=600&amp;h=400&amp;fit=crop&amp;dpr=2 1200w, https://images.theconversation.com/files/530220/original/file-20230606-17-7sme40.jpg?ixlib=rb-1.1.0&amp;q=15&amp;auto=format&amp;w=600&amp;h=400&amp;fit=crop&amp;dpr=3 1800w, https://images.theconversation.com/files/530220/original/file-20230606-17-7sme40.jpg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=754&amp;h=503&amp;fit=crop&amp;dpr=1 754w, https://images.theconversation.com/files/530220/original/file-20230606-17-7sme40.jpg?ixlib=rb-1.1.0&amp;q=30&amp;auto=format&amp;w=754&amp;h=503&amp;fit=crop&amp;dpr=2 1508w, https://images.theconversation.com/files/530220/original/file-20230606-17-7sme40.jpg?ixlib=rb-1.1.0&amp;q=15&amp;auto=format&amp;w=754&amp;h=503&amp;fit=crop&amp;dpr=3 2262w" alt="A child writes in an exercise book." /><figcaption><span class="caption">Technology changes mean we can ‘write’ without lifting a pen.</span> <span class="attribution"><span class="source">Shutterstock.</span></span></figcaption></figure> <h2>1. Fine motor skills</h2> <p>Handwriting develops critical fine motor skills and the coordination needed to control precise movements. These movements are required <a href="https://www.understood.org/en/articles/all-about-fine-motor-skills">to conduct everyday</a> school and work-related activities.</p> <p>The refinement of these motor skills also leads to handwriting becoming increasingly legible and fluent.</p> <p>We don’t know where technology will take us, but it may take us back to the past.</p> <p>Handwriting may be more important than ever if <a href="https://www.theguardian.com/australia-news/2023/jan/10/universities-to-return-to-pen-and-paper-exams-after-students-caught-using-ai-to-write-essays">tests and exams return to being handwritten</a> to stop students using generative AI to cheat.</p> <h2>2. It helps you remember</h2> <p>Handwriting has important cognitive benefits, <a href="https://www.kidsnews.com.au/technology/experts-say-pens-and-pencils-rather-than-keyboards-rule-at-school/news-story/abb4607b612c0c4f79b214c54590ca92">including for memory</a>.</p> <p>Research suggests traditional pen-and-paper notes are <a href="https://journals.sagepub.com/doi/abs/10.1177/154193120905302218?journalCode=proe">remembered better</a>, due to the greater complexity of the handwriting process.</p> <p>And learning to read and handwrite are <a href="https://www.aare.edu.au/blog/?p=5296">intimately linked</a>. Students become better readers though practising writing.</p> <h2>3. It’s good for wellbeing</h2> <p>Handwriting, and related activities such as drawing, are tactile, creative and reflective sources of pleasure and <a href="https://theconversation.com/writing-can-improve-mental-health-heres-how-162205">wellness</a> for writers of all ages.</p> <p>This is seen in the popularity of practices such as print <a href="https://www.urmc.rochester.edu/encyclopedia/content.aspx?ContentID=4552&amp;ContentTypeID=1">journalling</a> and calligraphy. There are many online communities where writers share gorgeous examples of handwriting.</p> <figure class="align-center "><img src="https://images.theconversation.com/files/530253/original/file-20230606-29-eb7vk3.jpg?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/530253/original/file-20230606-29-eb7vk3.jpg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=600&amp;h=400&amp;fit=crop&amp;dpr=1 600w, https://images.theconversation.com/files/530253/original/file-20230606-29-eb7vk3.jpg?ixlib=rb-1.1.0&amp;q=30&amp;auto=format&amp;w=600&amp;h=400&amp;fit=crop&amp;dpr=2 1200w, https://images.theconversation.com/files/530253/original/file-20230606-29-eb7vk3.jpg?ixlib=rb-1.1.0&amp;q=15&amp;auto=format&amp;w=600&amp;h=400&amp;fit=crop&amp;dpr=3 1800w, https://images.theconversation.com/files/530253/original/file-20230606-29-eb7vk3.jpg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=754&amp;h=503&amp;fit=crop&amp;dpr=1 754w, https://images.theconversation.com/files/530253/original/file-20230606-29-eb7vk3.jpg?ixlib=rb-1.1.0&amp;q=30&amp;auto=format&amp;w=754&amp;h=503&amp;fit=crop&amp;dpr=2 1508w, https://images.theconversation.com/files/530253/original/file-20230606-29-eb7vk3.jpg?ixlib=rb-1.1.0&amp;q=15&amp;auto=format&amp;w=754&amp;h=503&amp;fit=crop&amp;dpr=3 2262w" alt="A book with a calligraphy alphabet." /><figcaption><span class="caption">Caligraphers focus on making beautiful, design-oriented writing.</span> <span class="attribution"><span class="source">Samir Bouaked/Unsplash</span></span></figcaption></figure> <h2>4. It’s very accessible</h2> <p>Handwriting does not need electricity, devices, batteries, software, subscriptions, a fast internet connection, a keyboard, charging time or the many other things on which digital writing depends.</p> <p>It only needs pen and paper. And can be done anywhere.</p> <p>Sometimes handwriting is the easiest and best option. For example, when writing a birthday card, filling in printed forms, or writing a quick note.</p> <h2>5. It’s about thinking</h2> <p>Most importantly, learning to write and learning to think are intimately connected. Ideas are <a href="https://warwick.ac.uk/fac/soc/ces/research/teachingandlearning/resactivities/subjects/literacy/handwriting/outputs/cambridge_article.pdf">formed as students write</a>. They are developed and organised as they are composed. Thinking is too important to be outsourced to bots!</p> <p>Teaching writing is about giving students a toolkit of multiple writing strategies to empower them to fulfil their potential as thoughtful, creative and capable communicators.</p> <p>Handwriting will remain an important component of this toolkit for the foreseeable future, despite the astonishing advances made with generative AI.</p> <p>Writing perfect cursive may become less important in the future. But students will still need to be able to write legibly and fluently in their education and in their broader lives.<!-- 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/206939/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/lucinda-mcknight-324350">Lucinda McKnight</a>, Senior Lecturer in Pedagogy and Curriculum, <em><a href="https://theconversation.com/institutions/deakin-university-757">Deakin University</a></em> and <a href="https://theconversation.com/profiles/maria-nicholas-1443112">Maria Nicholas</a>, Senior Lecturer in Language and Literacy Education, <em><a href="https://theconversation.com/institutions/deakin-university-757">Deakin University</a></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/5-reasons-kids-still-need-to-learn-handwriting-no-ai-has-not-made-it-redundant-206939">original article</a>.</em></p> <p><em>Images: Getty</em></p>

Caring

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Princess of Wales shows off her tree-decorating skills

<p dir="ltr">The Princess of Wales has given fans another glimpse into her Christmas spirit ahead of the holiday season.</p> <p dir="ltr">A few hours before her second annual <em>Royal Carols: Together at Christmas</em> concert, the Princess shared a video of herself decorating a tree.</p> <p dir="ltr">"Final touches before the #TogetherAtChristmas' Carol Service tomorrow," the caption read.</p> <p dir="ltr">The video shows a cheerful Kate dressed in a white turtle neck as she decorates a festive fir at Westminster Abbey.</p> <p dir="ltr">Fans commented on the video, wishing the Royal Family a Merry Christmas.</p> <p dir="ltr">“Merry Christmas and a Happy New Year to Prince and Princess,” someone wrote.</p> <p dir="ltr">“Season greetings your RH Catherine Princess of Wales,” another commented.</p> <blockquote class="twitter-tweet"> <p dir="ltr" lang="en">Final touches ahead of the <a href="https://twitter.com/hashtag/TogetherAtChristmas?src=hash&amp;ref_src=twsrc%5Etfw">#TogetherAtChristmas</a> Carol Service tomorrow 🎄 <a href="https://t.co/mixjI8d5TD">pic.twitter.com/mixjI8d5TD</a></p> <p>— The Prince and Princess of Wales (@KensingtonRoyal) <a href="https://twitter.com/KensingtonRoyal/status/1603129389927071749?ref_src=twsrc%5Etfw">December 14, 2022</a></p></blockquote> <p dir="ltr">“What a beautiful video. I’m so excited,” someone else wrote.</p> <p dir="ltr">The concert was a family affair with the support of Prince William, King Charles and the Queen Consort.</p> <p dir="ltr">The concert also celebrated the life of Queen Elizabeth II, who died on September 8.</p> <p dir="ltr">There were several choir performances of Christmas classics, including readings by the Prince of Wales and an introduction from The Princess of Wales.</p> <p dir="ltr"><em>Royal Carols: Together at Christmas </em>is set to air on ITV on Christmas Eve.</p> <p dir="ltr"><em>Images: Twitter</em></p>

Beauty & Style

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How to deal with holiday stress, Danish-style

<p>The holidays often involve jubilant gift exchanges, renewed connections with family and friends, and treasured traditions.</p> <p>But the love and cheer can also <a href="https://www.psychiatry.org/File%20Library/Unassigned/APA_Holiday-Stress_PPT-REPORT_November-2021_update.pdf">be accompanied by a host of stressors</a> – chaotic travel, conflicts over COVID-19 preventive measures, difficult dinner conversations with relatives, and worries about affording and finding holiday gifts.</p> <p>This stress <a href="https://doi.org/10.1037//0278-6133.17.1.17">can worsen</a> your mental and physical health. <a href="https://doi.org/10.1161/01.cir.0000151424.02045.f7">Research even finds</a> that mortality is higher than normal during the holidays.</p> <p>How can you best find a balance during the holidays so that you are fulfilled instead of frazzled?</p> <p>Perhaps you can find balance by taking a few cultural cues from the Danes.</p> <p>Denmark, despite its winters that can be <a href="https://seasonsyear.com/Denmark">cold and gloomy</a>, is full of people <a href="https://worldhappiness.report/">who consistently rank among the happiest</a> in the world.</p> <p>As a <a href="https://blogs.dickinson.edu/helwegm/">native Dane and a psychologist</a>, I’ll often point to Danish words that can cultivate well-being. These words can be used at any time of the year, but I think a couple are particularly useful for navigating the stress of the holidays.</p> <p><strong>Going above and beyond</strong></p> <p>Understanding the Danish word “overskud” can help you find more balance during a period of joy and competing commitments.</p> <p>“<a href="https://www.thelocal.dk/20220516/danish-word-of-the-day-overskud/">Overskud</a>” is a noun that roughly means “excess.” In an economic context it means profit, but in everyday speech it’s used to refer to having the energy, willingness or resources to tackle a task or a problem.</p> <p>Having overskud is generally viewed as a good thing – you might go the extra mile at work, plan an elaborate holiday party, find extra thoughtful presents or volunteer at your child’s school.</p> <p>Danes sometimes combine the noun with other nouns so that you might say that you can make an “overskuds-breakfast” – a fancy breakfast of omelettes, bacon, coffee and french toast. Or you might be an overskuds-dad – the dad who decorates cookies with his kids and their friends.</p> <p>Although it might seem a bit like bragging to say one has overskud, Danes react to people describing having overskud with authentic applause and support. After all, who wouldn’t want to have extra energy and bandwidth to tackle life?</p> <p>Some <a href="https://hellebentzen.dk/artikel/kropsterapi/overskud-i-hverdagen/">Danish therapists</a> maintain that having more overskud can lead you to experience more contentment, calm and presence.</p> <p><strong>Your energy isn’t boundless</strong></p> <p>And yet the holidays can sometimes demand overskud in a number of different areas: Food should be healthy but also fit everyone’s preferences and expectations. Presents should be thoughtful and affordable. Elaborate decorations must come up and go down.</p> <p>How do you balance it all?</p> <p>Any psychologist will tell you that maintaining <a href="https://www.healthline.com/health/mental-health/set-boundaries#how-to-define-your-boundaries">healthy boundaries</a> is associated with better mental health.</p> <p>Importantly, the word overskud is also used to clearly communicate when people cannot tackle an event, task or obligation.</p> <p>Instead of saying “I’m swamped,” a Dane might say they don’t have enough “overskud” to go to a party or meet for a glass of <a href="https://denmark.dk/people-and-culture/christmas-recipes/gloegg">gløgg</a>, a mulled Christmas wine. It’s basically a shorthand way to say, in a nonjudgmental way, that something sounds like fun, and you would love to do it, but you simply don’t have the energy.</p> <p>Danes also use a verb that’s related to overskud, which is a noun. They will say that they cannot “overskue” something – organizing a family holiday event, planning a trip or deep-cleaning the house.</p> <p>Often, activities that are meant to be fun and invigorating, like going to a holiday party on a weeknight or buying presents for a fundraiser, still require a fair amount of effort. If your store of energy is empty and you’d rather just stay home in your PJs, you might say “I just cannot overskue doing it.”</p> <p>Essentially, the Danes use the words overskud and overskue to say, “No,” and there’s an unspoken understanding that it’s nothing personal. Saying “no” to some things will give you the time and energy to say “yes” to others, so you can tackle the holidays with vigor and cheer – and be that overskud party planner, cookie decorator or gift giver, should you wish to do so.</p> <p><strong>The importance of ‘pyt’</strong></p> <p>People might want their vision for the holidays to go off without a hitch. But reality often smacks people in the face: rude strangers, long lines, decoration disasters, out-of-stock toys, piles of dirty dishes, screaming children and resentful relatives.</p> <p>You can practice letting go of holiday-related frustrations by simply saying the Danish word “<a href="https://theconversation.com/a-danish-word-the-world-needs-to-combat-stress-pyt-112216">pyt</a>,” <a href="http://schwa.dk/filer/udtaleordbog_danpass/d_002_2_g_non-v_1316.wav">which is pronounced</a> like “pid.”</p> <p>Pyt is similar to saying “oh, well” or “stuff happens” and is used to let go of minor frustrations, hassles or mistakes. Danes might say about their own behavior “pyt, I didn’t do a great job wrapping that present.” Or they might say “pyt” when they sense someone else’s disappointment: “pyt, those cookies do look a bit funny, but they’re still delicious.”</p> <p>Pyt is about accepting that things won’t go exactly as planned, and embracing that fact.</p> <figure class="align-center "><img src="https://images.theconversation.com/files/498798/original/file-20221204-55824-8jvbis.jpg?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/498798/original/file-20221204-55824-8jvbis.jpg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=600&amp;h=399&amp;fit=crop&amp;dpr=1 600w, https://images.theconversation.com/files/498798/original/file-20221204-55824-8jvbis.jpg?ixlib=rb-1.1.0&amp;q=30&amp;auto=format&amp;w=600&amp;h=399&amp;fit=crop&amp;dpr=2 1200w, https://images.theconversation.com/files/498798/original/file-20221204-55824-8jvbis.jpg?ixlib=rb-1.1.0&amp;q=15&amp;auto=format&amp;w=600&amp;h=399&amp;fit=crop&amp;dpr=3 1800w, https://images.theconversation.com/files/498798/original/file-20221204-55824-8jvbis.jpg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=754&amp;h=502&amp;fit=crop&amp;dpr=1 754w, https://images.theconversation.com/files/498798/original/file-20221204-55824-8jvbis.jpg?ixlib=rb-1.1.0&amp;q=30&amp;auto=format&amp;w=754&amp;h=502&amp;fit=crop&amp;dpr=2 1508w, https://images.theconversation.com/files/498798/original/file-20221204-55824-8jvbis.jpg?ixlib=rb-1.1.0&amp;q=15&amp;auto=format&amp;w=754&amp;h=502&amp;fit=crop&amp;dpr=3 2262w" alt="A Christmas tree bulb in an anvil." /><figcaption><span class="caption">Don’t let the pressure of a perfect Christmas make you crack.</span> <span class="attribution"><a class="source" href="https://www.gettyimages.com/detail/photo/christmas-under-pressure-royalty-free-image/157646865?phrase=christmas+stress">alacatr/E+ via Getty Images</a></span></figcaption></figure> <p>Having very high personal standards is a <a href="https://doi.org/10.1037/cou0000036">predictor of</a> poor coping skills and a poor ability to deal with daily stressors. Moreover, <a href="https://doi.org/10.1080/02783193.2017.1393711">stress</a> can be mitigated by accepting imperfection as a healthy and normal part of life.</p> <p>Another way to get to pyt is to focus on what really counts. Is this long line at the mall really worth ruining your day? Or is it a minor annoyance that will soon be forgotten?</p> <p>Perhaps you can take a moment while waiting to think about some of the things you’re thankful for or remind yourself that you’re OK. <a href="https://doi.org/10.1016/j.sbspro.2011.10.190">Research shows</a> that self-reflection and self-compassion together are particularly effective in reducing stress. Moreover, <a href="https://doi.org/10.1177/0146167219853846">self-compassion</a> can lead to acceptance of both your own and other people’s flaws.</p> <p>One of the benefits of holiday stress – compared to unexpected stress – is that you can anticipate it.</p> <p>You’ve been here before. If you don’t try to do it all and don’t expect everything to go according to plan, you may just end up having your best holiday yet.<!-- 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/195522/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>Writen by Marie Helweg-Larsen. Republished with permission from <a href="https://theconversation.com/how-to-deal-with-holiday-stress-danish-style-195522" target="_blank" rel="noopener">The Conversation</a>.</em></p> <p><em>Image: Getty Images</em></p>

Mind

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Why you should beware spending rewards and BNPL programs

<p>Malware is software designed to disrupt and destroy, and there are plenty of ‘wolf in sheep’s clothing’ financial programs doing just that to people’s financial futures. Some that come to mind are programs (yes, they’re called ‘programs’) that make it easier to spend and / or reward and incentivise spending, and harder to make good financial decisions. When you get tricked into spending, or spending more than you otherwise would, you transfer your wealth to someone else. The more wealth you consume, the less you have for later on. Let’s consider two marketing malware culprits to avoid wherever possible.</p> <p><strong>Rewards Programs</strong></p> <p>Beware programs that trick you into thinking that spending is good.</p> <p>Consider Flybuys for example. It is a rewards program where you generally receive one Flybuys point for every dollar spend. Therefore, to earn 1 000 000 Flybuys points, you need to spend $1 000 000. What if I told you that the cash value of one Flybuys point is 0.5 cents? That would mean to earn 1 000 000 Flybuys points you’d have to spend $1 000 000, yet that $1 000 000 is really only ‘worth’ $5000. They’ve actually created a system where you think you’re being rewarded on a one-for-one basis (i.e. one dollar spent equals one point) when really you’re being rewarded at the rate of half of one cent for every dollar spent.</p> <p>Additionally, when it comes time to redeem your points, the products you can ‘purchase’ are valued at top dollar, rather than at any discounted price you might be able to find if you shopped around.</p> <p><strong>Buy Now Pay Later (BNPL)</strong></p> <p>Back in the day, department stores offered something called lay-by. This was where you could grab a product off the shelf, take it to the store’s lay-by counter and enter an arrangement with them to pay it off over two or three instalments. Once you’d made the final payment, the product was yours to own and take home. Lay-by was a great option for people who couldn’t access or didn’t want to use credit cards. There were no upfront fees associated with lay-by, and there was certainly no interest charged. </p> <p>Lay-by has been reborn and rebadged as BNPL; you pay by instalments, and you can take the product with you immediately. You won’t pay any fees provided you make the required instalments in full and on time. If you don’t, then you’ll be slugged with establishment fees, late fees, account-keeping fees and payment processing fees.</p> <p>The danger is that BNPL is easier to access than traditional debt options such as credit cards because BNPL is not technically credit since providers don’t charge interest. But BNPL is consumer debt with instant gratification, and that makes it credit in my book.</p> <p>Afterpay is one of the biggest BNPL providers on the planet. It advertises that it is a ‘free service’, provided you pay on time. If you don’t,  their late fee is $10 per missed payment, plus an additional $7 if the payment is still outstanding after a week. It doesn’t sound like a lot, but if you had bought something that only cost $20 and forgot to make a $5 instalment, then the $10 fee is 200 per cent of the missed payment. Ouch! Don’t forget that the fee is per missed payment. If there were other purchases made, then the fee would compound.</p> <p>Late fees, however small, can quickly cascade into a significant sum of money, potentially many times more than the instalment due or even the price of the item purchased. Plus, there are other consequences of missed payments—black marks on credit records, difficulties borrowing for other debt such as a home loan, and the possibility of additional fees as debts are passed over to debt collectors.</p> <p>BNPL organisations profit from users who fail to meet their repayment obligations, and so part and parcel of running a successful business and growing profits would involve them doing well when their customers do poorly. You can’t expect corporate behemoths to do the right thing by you if it’s the wrong thing by them. The best you can do is gain the skills and awareness you need to know when you’re being played. Marketing malware disrupts your ability to accumulate wealth by tricking you into believing you are getting a better deal than is the case. Ideally, you’d avoid using it at all, but if it’s too late for that, then you need to clean up your code as soon as you can.</p> <p>Being rewarded for spending money you haven’t yet earned is a toxic combination that will poison your efforts to attract and keep a fortune that counts.  Make sure you are a good shepherd of your financial flock by being vigilant in keeping an eye out for marketing malware wolves, and not falling for their enticing yet financially disempowering charms. </p> <p><strong>Edited extract from Steve McKnight’s <em>Money Magnet: How to Attract and Keep a Fortune that Counts</em> (Wiley $32.95), now available at all leading retailers. Visit www.moneymagnet.au</strong></p> <p><em>Image: Getty Images</em></p>

Money & Banking

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6 tips to negotiate your way to what you want

<p>Whether you’re haggling at the markets, dealing with a sales person or trying to buy a car, we negotiate all the time in our lives. Knowing how to get what you want is one of those skills worth learning so here are six ways to help your next negotiation go your way.</p> <p><strong>1. Do your homework</strong></p> <p>Learn as much as you can before your negotiation. When you have information it gives you a stronger chance in a negotiation as well as knowing how to deal with any objections. Even in the case of wanting to return some clothes or shoes to a store, a sales person might refuse you but if you have researched the policy beforehand you would know you’re not being treated fairly.</p> <p><strong>2. Listen more than you talk</strong></p> <p>It might seem like you should talk more as you need to convince the other side of what you need but in fact, you’ll make more ground if you listen. You will not only be able to learn more about what the other person needs or wants but most importantly it builds trust - the other party now feels respected and understood. It will lead you both to want to find a mutually satisfying agreement.</p> <p><strong>3. Look for shared interests</strong></p> <p>You want to establish a rapport with the person so look for things you have a shared interest in. When you find common ground with someone it builds familiarity and a trust that will help you in a negotiation. If you’ve ever haggled at the markets you’ll know striking up a friendly conversation with the seller might persuade them to be a tad more generous in their pricing.</p> <p><strong>4. Address objections</strong></p> <p>We’ve all been stopped at the shopping centres with people trying to sell us creams or raffles. When you try and walk away they are just too persuasive. Why? They address any objection you have and respond with empathy and understanding. It will just take a “quick minute” or “it’s very cheap” so you feel obliged to stick around. If they use it in sales, you can use it in your negotiations.</p> <p><strong>5. Seek a win-win outcome</strong></p> <p>Don’t just focus on what you want and need. It’s a negotiation so the other party needs to leave with their interests met as well. If you’re thinking “win-win” you’ll already be considering the other person so most outcomes will be beneficial to both. It doesn’t mean “giving in” but simply finding that solution where both sides can walk away satisfied. For example if you’re selling anything, you might offer a discount if someone purchases multiple item rather than just one. In this situation, you sell more items and the other side gets a reduced price.</p> <p><strong>6. Aim high</strong></p> <p>Don’t be afraid to ask for what you want. You don’t get what you don’t ask. And if you don’t get it, you’ll be closer. Just say you’re buying some classic furniture, you would start well below your rock bottom because you know the seller is going to aim high.</p> <p><em>Image: Getty</em></p>

Caring

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Coins covered in coded clues will test your spy skills

<p dir="ltr">A new, limited edition 50-cent coin covered in coded messages is more than just a mental puzzle for coin collectors - its creators hope it can help identify some of Australia’s next foreign intelligence recruits.</p> <p dir="ltr">The commemorative coin was released on Thursday to mark the 75th anniversary of the Australian Signals Directorate (ASD), the country’s foreign intelligence cybersecurity agency.</p> <p dir="ltr">Though they won’t be available for circulation, 50,00 of the unique coins will be available to purchase from the Royal Australian Mint.</p> <p><span id="docs-internal-guid-91d5a6fc-7fff-bb93-5d60-cff3220f11f5"></span></p> <p dir="ltr">Each coin features four levels of coded messages that become more difficult to solve - though clues can be found on either side of the coin.</p> <p><iframe style="border: none; overflow: hidden;" src="https://www.facebook.com/plugins/post.php?href=https%3A%2F%2Fwww.facebook.com%2FRoyalAustralianMint%2Fposts%2Fpfbid0NUz7VxNyNToHFmQzbPFTNi2rYo4Vvngztz8nmQssosevJzo2ExGpxdp5fumXeXcol&amp;show_text=false&amp;width=500" width="500" height="498" frameborder="0" scrolling="no" allowfullscreen="allowfullscreen"></iframe></p> <p dir="ltr">ASD Director General Rachel Noble said the coin celebrated the work of the members of the agency and the evolution of code-breaking over the past seven-and-a-half decades.</p> <p dir="ltr">"Back in World War II, our people, military and civilian, and mostly women … used pencil and paper to decode Japanese military codes, and then re-encode them to send them out to the allies to let them know where Japanese war fighters were," she said.</p> <p dir="ltr">"We have used that part of our history in different layers, which represent the progress of encryption and technology through our 75 years."</p> <p dir="ltr">The puzzling currency also serves another purpose, with Ms Noble adding that those who can crack the codes could be "pretty well-placed" to work at the ASD.</p> <p dir="ltr">"We thought this was a really fun way to engage people in code-breaking with the hope that, if they make it through all four levels of coding on the coin, maybe they'll apply for a job at the Australian Signals Directorate," she said.</p> <p dir="ltr">Royal Mint chief executive Leugh Gordon said the coin was created with the help of cryptography experts, but that even with their help it still proved a challenge to get the codes onto the coin.</p> <p dir="ltr">"While the 50-cent piece is Australia's biggest coin, it still doesn't have a lot of surface area," he said.</p> <p dir="ltr">"Ensuring people could see the code to decrypt it was one of the challenges our people were able to solve with ASD, to create a unique and special product."</p> <p dir="ltr">It's not the first time secretive workplaces have used unusual recruiting drives, with the Australian Secret Intelligence Service releasing an online test targeting Australia's next generation of spies in 2017, while ASIO (Australian Security Intelligence Organisation) took to Instagram last year to show the secrecy surrounding the lives of modern spies.</p> <p dir="ltr">Ms Noble said those who crack the code won't get their hands on any top secret information, but instead will find "some wonderful, uplifting messages".</p> <p dir="ltr">"Like the early code breakers in ASD, you can get through some of the layers with but a pencil and paper but, right towards the end, you may need a computer to solve the last level," she said.</p> <p dir="ltr"><span id="docs-internal-guid-73e50ae0-7fff-e141-a245-39a4ce9b8192"></span></p> <p dir="ltr"><em>Image: Royal Australian Mint</em></p>

Money & Banking

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The music program rehabilitating inmates

<p dir="ltr">While a lot of prison inmates are not given the luxuries of life outside jail, one rehabilitation program is giving inmates one of life’s greatest pleasures: music. </p> <p dir="ltr">For Oli Firth, who was sent to Broken Hill Correctional Centre on drug-related offences, the Songbirds program changed his life.</p> <p dir="ltr">"[Music] was a real beacon of light for me. It was the one thing that carried me through," he told ABC<a href="https://www.abc.net.au/radionational/programs/lifematters/songbirds:-rehabilitation-and-music-behind-bars/13934620"> RN's Life Matters</a>.</p> <p dir="ltr">“It was the toughest time in my life.”</p> <p dir="ltr">The director of the Songbirds program, musician Murray Cook, has played with bands such as Midnight Oil, Mental as Anything and Mixed Relations.</p> <p dir="ltr">But for more than 20 years, Mr Cook has run music classes in different NSW prisons, including a stint as a music teacher in the psych ward of Sydney's Long Bay Correctional Centre.</p> <p dir="ltr">The Songbirds program, a project of the non-profit <a href="https://www.crcnsw.org.au/">Community Restorative Centre</a>, brings music and other art forms into prisons, with a focus on songwriting as a means of rehabilitation. </p> <p dir="ltr">"If you're in jail, it's a jungle. It really is. I'd hate to go there," Mr Cook says.</p> <p dir="ltr">"Because if you show any emotion, if you let on that you really love your daughter or something like that, [other prisoners] can use that against you. That's a bargaining chip for them to stand over you and get money — threaten to kill your kids, that sort of stuff."</p> <p dir="ltr">But he says, "Somehow within the context of a song, it's OK to say stuff like that, to say something like, 'I love my partner.'"</p> <p dir="ltr">As a way of dealing with feelings they believe they can’t vocalise, Mr Cook tries to get inmates to write about their feelings and experiences. </p> <p dir="ltr">However, he admits this process isn’t always straightforward. </p> <p dir="ltr">In the first session of a songwriting class, he talks about tolerance, about "not putting anyone else down, [not] being too critical".</p> <p dir="ltr">"[I also] always say in the first workshop, 'Look, your lives are really valuable … your music is so valuable.'"</p> <p dir="ltr">He says the classes can be made up of a fairly diverse group, which makes for an accepting and tolerant environment.</p> <p dir="ltr">"When you look at a group, you've got Islanders, Kooris, Middle Eastern people, bikies … They'd probably kill each other in the yard, as they tend to segregate into their own groups," Mr Cook says.</p> <p dir="ltr">"[But soon] you see a Koori guy over there working with an Asian guy and a bikie, trying to write a song, it's fantastic."</p> <p dir="ltr">It’s then over to the prisoners to perfect their songs and, if they choose, perform them for other inmates.</p> <p dir="ltr">"Once they've got it out and sung it, it's very cathartic. Just to know that somebody's listening to their story," Mr Cook says.</p> <p dir="ltr">If the inmates choose, Mr Cook helps them record their new tracks, which have been released on a series of Songbird albums over the years. </p> <p dir="ltr">"Like I always say to people in jail, music is a great way of letting off steam without hurting anyone … [But] I think the core of this is the personal transformation that comes through music," Mr Cook says.</p> <p dir="ltr"><em>Image credits: Getty Images</em></p>

Music

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Carrie Bickmore's replacements named

<p dir="ltr">Network Ten has appointed two new people who will replace Carrie Bickmore’s position on <em>The Project.</em></p> <p dir="ltr">Chrissie Swan and Georgie Tunny, who both regularly appear on the show, will take turns co-hosting the news program with regulars Waleed Aly and Peter Helliar.</p> <p dir="ltr">“Chrissie and Georgie are well known and loved by Project viewers and I am delighted to see them both take larger hosting roles,” executive producer Chris Bendall told <a href="https://www.dailytelegraph.com.au/subscribe/news/1/?sourceCode=DTWEB_WRE170_a_NEW&amp;dest=https%3A%2F%2Fwww.dailytelegraph.com.au%2Fentertainment%2Fsydney-confidential%2Fwho-will-replace-carrie-bickmore-on-the-project%2Fnews-story%2Ffda7f9595f86f2595b3ff855967fa924&amp;memtype=anonymous&amp;mode=premium&amp;v21=dynamic-cold-test-score&amp;V21spcbehaviour=append" target="_blank" rel="noopener">The Daily Telegraph</a>.</p> <p dir="ltr">“We have a lot of exciting plans for the show this year. Carrie’s seat is in safe hands until she returns mid-year with Chrissie and Georgie joining Lisa (Wilkinson) who will continue to deliver outstanding feature stories from around the country alongside her existing hosting duties.”</p> <p dir="ltr">Channel 10 later confirmed the news in a statement: “Friends of The Project, Chrissie Swan and Georgie Tunny, will join hosts Lisa Wilkinson, Waleed Aly, Peter Helliar, Hamish Macdonald and Tommy Little while Carrie Bickmore and her family go on a well-deserved adventure.”</p> <p dir="ltr">The news comes as Carrie Bickmore, 41, revealed that she would be leaving the show for a few months to temporarily relocate to the UK with her family.</p> <p dir="ltr">She shared the news on <a href="https://oversixty.com.au/entertainment/tv/the-truth-behind-carrie-bickmore-s-shock-announcement" target="_blank" rel="noopener">Tuesday night’s episode</a> saying it was her family's "last chance" to embark on the adventure with her eldest son in tow.</p> <p dir="ltr">“In April I’m going to be taking a few months off The Project desk,” she began.</p> <p dir="ltr">“[Partner] Chris and I and the kids are heading off on a family adventure together."</p> <p dir="ltr">“We figure it’s never going to be the perfect time to go and it’s something we really want to do before my son starts his final years at school, so we’re doing term two in the UK. So I will be off for a couple of months.”</p> <p dir="ltr">Carrie further explained her move on Instagram, saying it was something that her and Chris had “dreamed of for a while now”.</p> <p dir="ltr">“One of the unexpected silver linings to come out of living through Melbourne’s lockdowns was the extended family time and we feel like this is our last chance to do something like this together before Ollie hits the pointy end of his schooling and no longer wants to hang out with us so … we are heading to the UK for a school term,” she explained.</p> <p dir="ltr">Carrie has been on the desk since 2009, and after 13 years as a co-host of <em>The Project</em>, she felt it was time to take “a little like long service leave”.</p> <p dir="ltr">She will continue to co-host the Hit network’s <em>Carrie and Tommy Show</em> each afternoon with <em>The Project</em> colleague Tommy Little.</p> <p dir="ltr">Carrie has also already quietly <a href="https://oversixty.com.au/property/real-estate/carrie-bickmore-quietly-sells-family-home-ahead-of-big-move" target="_blank" rel="noopener">sold her Melbourne home</a> in the lead up to her move.</p> <p dir="ltr"><em>Image: Instagram</em></p>

TV

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ALDI looking for fresh meat (graduates)

<p dir="ltr">ALDI Australia is looking to hire a fresh batch of graduates for their insanely popular program. </p> <p dir="ltr">The German retailer’s graduate program is inundated with applications each year thanks to the attractive $92,000 starting salary, a company car and iPhone, as well as five weeks annual leave. </p> <p dir="ltr">Successful applicants will undertake a comprehensive program over a two-year period while rotating through the exciting challenge of the business. </p> <p dir="ltr">“Our graduate jobs aren’t easy but the greater the challenge, the greater the reward,” their <a href="https://www.aldicareers.com.au/Graduate-Program-Application-Process" target="_blank" rel="noopener">website</a> reads.</p> <p dir="ltr">“You’ll have exposure to serving customers on registers, managing sections in our distribution centre, undertaking site meetings with our property team, and developing your skills as a leader - a career achievement you can be proud of.”</p> <p dir="ltr">Applicants who succeed in their training will take on the role of an Executive Manager, giving them the opportunity to run up three-to-five stores.</p> <p dir="ltr">Peter Slaven recently completed the program and is now an Executive Manager of Store Operation in NSW. </p> <p dir="ltr">“I was prepared for a lot of observation and structured training, however I was pleasantly surprised with how hands-on ALDI’s graduate program is,” he told <a href="https://www.news.com.au/finance/work/careers/aldis-insane-92000-job-for-uni-graduates/news-story/fbba33620c65bfad5a5f80df3e730155?utm_campaign=EditorialSB&amp;utm_source=news.com.au&amp;utm_medium=Facebook&amp;utm_content=SocialBakers" target="_blank" rel="noopener">news.com.au</a>.</p> <p dir="ltr">“During the program I worked in three cities and over 30 stores, building relationships with close to 500 people. No two days are the same and I learnt to adapt quickly to constant change and I am still learning new things every day.”</p> <p dir="ltr">ALDI group director of human resources and projects Hayden Rydberg said the program attracted people from all walks of life. </p> <p dir="ltr">“It’s an opportunity for ambitious future leaders to hit the ground running in a supportive environment where you will learn directly from industry leaders, all while accelerating your career with a rewarding and dynamic retail business,” he said.</p> <p dir="ltr">Applicants must be in their final year of study or recently completed a master’s degree in any subject. </p> <p dir="ltr">Applications for ALDI's 2023 graduate program close on Monday March 28, 2022.</p> <p dir="ltr"><em>Image: Shutterstock</em></p>

Money & Banking

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The unbeatable poker-playing program

<div class="copy"> <p>When it comes to games, machines have left us in the dust – we’ve been trounced at draughts, chess, even the TV quiz show <em>Jeopardy</em>. But clever humans still had an edge when it came to poker – until now.</p> <p>A new program, Cepheus, plays the game so well you could play against it your whole life and, unless you were unbelievably lucky, still not finish on top. It is the brainchild of Michael Bowling and colleagues at the University of Alberta who published the algorithm behind their winning result in <em>Science</em>.</p> <p>And yes – Cepheus can even bluff.</p> <p>“It will almost certainly leave human opponents in its wake,” says David Dowe, a machine learning and artificial intelligence expert at Monash University.</p> <p>Computer algorithms are very good at cracking those games where players know everything that has occurred before making their move – this is known in game theory as “perfect information”. Examples are Connect Four and draughts – each player can see where all pieces lie on the board. These games were solved by computers in 1998 and 2007 respectively. But poker is an imperfect-information game.</p> <p>A player doesn’t know what cards their opponent holds or what cards their opponent thinks <em>they</em> hold. Not surprisingly, it’s these unknowns that make poker extremely challenging for computers to handle.</p> <p>So in 2008, Las Vegas was a little shaken up when a computer program, Polaris, beat some of its best poker pros at Texas hold ’em.</p> <p>But Polaris was not perfect – it occasionally lost. By rejigging its algorithm, Bowling and his poker research group have upped the ante and “solved” the game of poker while they were at it.</p> <p>“Solving” a game is not quite the same as beating your opponents. When it comes to chess or <em>Jeopardy</em>, all IBM’s Deep Blue or Watson had to do was provide a solution superior to their human opponents – but not necessarily the perfect one.</p> <p>By contrast, Cepheus’s algorithms were derived as rigorously as any mathematical proof. Its solutions are unbeatable by any opponent. So poker can be said to have been solved in a way that neither chess nor <em>Jeopardy</em> have.</p> <p>To get to its virtually unbeatable state, Cepheus had to “learn” from experience. It played the equivalent of a billion billion hands over two months, “… more poker than has been played by the entire human race,” says Bowling.</p> <p>And in a classical example of machine learning, it reviewed every decision, learnt which did or didn’t pay off and used that information to play as perfectly as possible.</p> <p>Cepheus’s strength lies in its ability to solve problems where there is a great deal of uncertainty.</p> <p>A human opponent might win individual hands if they get lucky with the cards, but Cepheus always comes out on top in the long run.</p> <p>Texas hold ’em is the most popular form of poker played today and Bowling’s group restricted Cepheus to a simple version called “heads-up limit hold ’em” – it’s played with two players (heads-up) and has fixed bet sizes and number of raises (limit).</p> <p>But when faced with a decision in real life, people aren’t usually limited to a set number of choices. So might a future version of Cepheus solve a no-limit version of poker? “Out of the question, ” says Bowling.</p> <p>“No-limit poker is considerably more complex. The heads-up limit game has 10<sup>14</sup> (100 trillion) possible decision points and heads-up no-limit hold ’em has 10<sup>140</sup> decision points.” To put that number in context, there are around 10<sup>70</sup> atoms in the universe. If every atom contained its own universe you’d have as many atoms as decision points in heads-up no-limit hold ’em poker, well beyond the capabilities of any computer.​</p> <p>Bowling believes the decision-making strategies Cepheus has mastered will have their greatest impact outside of the games room. Artificial intelligence has a history of beating humans at games and then going on to bigger and better things.</p> <p>For example, IBM’s <em>Jeopardy</em>-winning computer system Watson now helps optimise cancer treatment at Sloan Kettering and provides financial advice at Citicorp and ANZ.</p> <p>Cepheus’s strength lies in its ability to solve problems where there is a great deal of uncertainty. For instance, if you have diabetes, calculating the wrong amount of insulin needed day-to-day can be life threatening, particularly when you take into account unforeseen changes in physical activity or diet.</p> <p>Working with clinicians, Bowling is already using Cepheus-like strategies to develop diabetes management policies, although he says it will be years before they are implemented.</p> <p>Despite heading the poker research laboratory, Bowling says he’s not much of a poker player and has only played a few hands against his “perfect player” program. “The first time I ran for about 20 hands and I was in the lead and ready to quit, but then I played another 20 hands and lost a bunch of money, so now I’m behind,” he laughs.</p> <p>You can try your hand against Cepheus at <a rel="noopener" href="http://poker.srv.ualberta.ca/play" target="_blank">http://poker.srv.ualberta.ca/play</a></p> <p><em>Image credits: Shutterstock  </em></p> <em><img id="cosmos-post-tracker" style="opacity: 0; height: 1px!important; width: 1px!important; border: 0!important; position: absolute!important; z-index: -1!important;" src="https://syndication.cosmosmagazine.com/?id=6287&amp;title=The+unbeatable+poker-playing+program" alt="" width="1" height="1" /> <!-- End of tracking content syndication -->This article was originally published on <a rel="noopener" href="https://cosmosmagazine.com/science/mathematics/the-unbeatable-poker-playing-program/" target="_blank">cosmosmagazine.com</a> and was written by Belinda Smith. </em></div>

Technology

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Prince Harry gets the royal treatment with $10k VIP service

<p><span>Prince Harry is reportedly using an exclusive $10.5k VIP service which allows you all the special privileges while travelling at airports.</span><br /><br /><span>As he makes his way between London and Los Angeles, it’s no wonder why he splurged for the package during his latest trip to the UK in July.</span><br /><br /><span>Harry flew from the United States to England to attend the unveiling of a statue of his mother Diana, Princess of Wales, at Kensington Palace.</span><br /><br /><span>The royal was in England for just under a week, before spending five days in quarantine at Frogmore Cottage.</span><br /><br /><span>He also attended a charity event and the statue unveiling on July 1.</span><br /><br /><span>Prince Harry was quick to return to his new home in Los Angeles however, to be with his wife and their two children, Archie and Lilibet Diana.</span><br /><br /><span>Harry has paid for his experience through airports to be much more smoother than regular passengers after he used The Private Suite, described as "the most VIP way through the airport".</span><br /><br /><span>This means the Duke is able to exit the plane before other passengers.</span><br /><br /><span>He was reportedly then picked in an SUV and taken to a private terminal to collect luggage and move through passport control all in isolation.</span><br /><br /><span>Members pay $6000 a year to join The Private Suite and another $4600 per trip.</span><br /><br /><span>He also chose a commercial flight for both trips when he came to the UK for the funeral of his grandfather Prince Philip in April.</span><br /><br /><span>The Duke of Sussex was forced to defend his wife Meghan Markle however, after it was revealed she used a private plane multiple times around the same time as he launched a global initiative to promote sustainable travel.</span></p> <p><img style="width: 500px; height: 281.25px;" src="https://oversixtydev.blob.core.windows.net/media/7842550/daily-1.jpg" alt="" data-udi="umb://media/cf738d2780e746bf9c12c29380bc3909" /><br /><br /><span>Harry and Meghan were heavily criticised for using four private jets in just 11 days during the British summer.</span><br /><br /><span>Speaking at the launch of <em>Travalyst</em> in the Netherlands, Harry revealed he flies commercially "99 per cent of the time".</span><br /><br /><span>He went on to state he chooses to travel with Meghan and baby Archie on private jets in "unique" situations in order to keep his family "safe".</span></p>

Money & Banking

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32 little life skills everyone needs to be a grown-up

<p>Balance a budget<br />The old advice used to be that everyone needed to know how to balance their chequebook, but thanks to digital banking and credit cards, check registers have gone the way of the woolly mammoth. But that doesn’t mean that budgeting, perhaps the most important household skill there is, should too. In lieu of a physical accounting, make sure you know how to track your income and expenses. You can create your own spreadsheet at home or use an app, but whatever you do, make sure you do it.</p> <p>Say “no”<br />For such a short word, it’s amazing how many of us have a hard time saying it. But learning how to graciously but firmly say “no” – without padding it with excuses or white lies – is a critical life skill. If you’re one of those people who automatically says “yes” when someone asks you to do something and feels guilty saying “no,” try saying “I need to think about it” instead. That will give you time to think through your schedule and decide if it’s something you can really do without the pressure of having the person’s pleading eyes boring into you. And remember: Every time you say “yes” to one thing (like working late), you’re also saying “no” to everything else (like the gym, dinner with your family, and a reasonable bedtime).</p> <p>Boil an egg<br />Eggs are a cheap source of quality protein, and when you boil them you add portable to their list of wonderful qualities. But boiling the perfect egg can be tricky – too short and you end up with gross gooey whites, too long and you have a bouncy ball that crumbles when you try to bite into it. Listen up adults: It doesn’t have to be hard.</p> <p>Accept criticism<br />You did something wrong? Congratulations, you’re human! Unfortunately we often treat mistakes as personal failures, which makes hearing about them upsetting (to put it mildly), and when others try to offer criticism it can unleash your inner Hulk. But if you can teach yourself to see mistakes as learning opportunities instead, it makes them – and the inevitable criticism that comes with them – so much easier to handle.</p> <p>Sew on a button<br />Clothing quality has been markedly decreasing over the years, and unfortunately, so have sewing skills. This means that not only is a popped button, a hanging hem, or a hole in a sweater inevitable (thank you fast fashion!) but you’re stuck buying a new item or relying on safety pins in weird places instead of doing what should be a simple fix.</p> <p>Understand consequences<br />Want to party but not wake up with a hangover? Stuff yourself with cake but not gain weight? Take off every Friday but still have a job on Monday? Speed but never get a ticket? Well, we’re sorry to be the ones to break this to you, but this is not the way the world works. (Usually.) We all know this on an intellectual level, and yet we rage against it on an emotional level, living as if we don’t understand the immutable law of consequences. So here you go: When you make a choice to do something, you are also choosing the consequence. It’s a package deal.</p> <p>Change a tyre<br />The NRMA and roadside service are a godsend for sure, but it takes only one time of having your car tyre go flat on a mountain road two hours away from the nearest town to make you realise the importance of knowing how to change a tyre. You won’t need to use this skill very often (we hope!) but it’s well worth the time spent learning it for the handful of times you do. After all, mountain roads are fun to drive!</p> <p>Have a face-to-face conversation<br />Communicating with another person while looking them in the eye may be humankind’s oldest skill, but in an age of FaceTime, texting and email we’re rapidly losing the talent for robust conversation. Yet nothing shows your interest and commitment more than simply talking with someone in person. Once the conversation is flowing, remember the golden ratio: 51 percent listening, 49 percent talking.</p> <p>Change a nappy<br />Babies are tiny, fragile humans that literally have holes in their skulls, so it makes sense that a lot of people are nervous to be left alone with them. But newborns not as breakable as they first seem, and learning a few basics, including changing a nappy, can go a long way toward making you look and feel like a competent caregiver. Even if you don’t have kids, knowing how to change a nappy can still come in handy in case of a babysitting emergency. Thankfully modern nappies make this a pretty painless process.</p> <p>Pay a bill<br />Paying your bills is Adulting 101, but it’s not as simple as handing over the money. You need to read through the bill and make sure it’s correct, check your bank balance for sufficient funds, ensure you’re paying it in a timely fashion, use the correct method, and make sure they got it and applied it correctly to your account.</p> <p>Do a load of laundry<br />Who doesn’t love the feel of freshly washed sheets? Or the look of white socks? Or the reassurance of clean underwear? No one, that’s who. The importance of learning how to properly use your washer and dryer cannot be overstated.</p> <p>A good work ethic<br />There comes a day in every young person’s life when no one is kicking them out of bed in the morning and telling them where to be and when. It’s a milestone moment when you realise it’s all on you to make sure you get to work, do all your work, and not do too much work – and then get ‘er done.</p> <p>Understand a lease agreement<br />Your parents probably didn’t make you sign a lease to live at home, but it’s likely that everyone you live with thereafter will have some paperwork waiting for your John Hancock. Unfortunately, leases can be full of legalese and tricky to read, often coming with ironclad provisions that can come back to bite you in the butt later if you don’t understand what you’re signing.</p> <p>Do your own taxes<br />Taxes have a bad rep for being hair-pulling, pillow-screaming, papers of frustration. And with good reason. But just because they’re complicated, boring and crazy-making doesn’t give you a pass on doing them. So why not skip the pain and just pay someone else to do them for you? Doing your own taxes, even if it’s just for one year, gives you vital insight into how your own finances work and a better understanding of how the government works.</p> <p>Cook a meal<br />Spaghetti counts. So does chicken and rice. Frozen pizza does not (sorry). Learning to make a meal, from selecting a recipe to shopping for ingredients, to cooking to clean-up, is a vital life skill for anyone who likes to eat. (So, everyone.) You don’t have to be a chef or even make something with more than five ingredients, but you’ll be amazed at how empowering and fun it can be to play around in the kitchen.</p> <p>Write a resume<br />Getting a job helps decide everything from where you live to what you eat to how happy you are, so pick a good one. Step one to getting your dream job? Crafting a solid resume.</p> <p>Shop for groceries<br />He’s making a list and he’s checking it twice – and we’re not talking about Santa, we’re talking about you. Walking into a store without a plan is the fastest way to blow your budget and end up home with three boxes of doughnuts and no milk. Making the effort to plan your meals, write an organised list, and shop from said list will save you money, time and frustration. To make it easier, keep a running list throughout the week, adding items as you go. Some pro shoppers find it helpful to make categories, like produce, dairy and frozen – so you don’t have to zigzag around the store to find all the stuff on your list.</p> <p>Have good table manners<br />Chew with your mouth closed. Know what fork is for which dish. Put a cloth napkin on your lap. Chew with your mouth closed. Don’t pick up food with your fingers. Don’t slurp your soup. Serve food from communal dishes to your plate, not your mouth. Oh, and did we mention chewing with your mouth closed? Make your mother proud and use your good table manners, whether you’re eating at home, at the local cafe, or a four-star restaurant.</p> <p>Drill a hole<br />Basic home repairs like drilling a hole, levelling a picture, unclogging a toilet, fixing a leaky tap, repairing small holes in drywall and other household fixes will make your life simpler and save your hard-earned cash.</p> <p>Navigating public transport<br />Cars are great but buses, trains, trams and ferries are a daily necessity for many city dwellers, so knowing how to use them efficiently is a handy skill. Even if you don’t live in an area where mass transit is a thing, knowing how to navigate public transportation can be a lifesaver when you travel, especially in foreign countries.</p> <p class="p1"><em>Written by Charlotte Hilton Andersen. This article first appeared on <a href="https://www.readersdigest.com.au/culture/32-little-life-skills-everyone-needs-to-be-a-grown-up"><span class="s1">Reader’s Digest</span></a>. For more of what you love from the world’s best-loved magazine, <a href="http://readersdigest.com.au/subscribe"><span class="s1">here’s our best subscription offer</span></a>.</em></p>

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