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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.<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" /></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

Think $5.50 is too much for a flat white? Actually it’s too cheap, and our world-famous cafes are paying the price

<p><em><a href="https://theconversation.com/profiles/emma-felton-143029">Emma Felton</a>, <a href="https://theconversation.com/institutions/university-of-south-australia-1180">University of South Australia</a></em></p> <p>Even in a stubborn cost-of-living crisis, it seems there’s one luxury most Australians <a href="https://www.comparethemarket.com.au/news/what-australians-wont-give-up-cost-of-living-crisis-report/">won’t sacrifice</a> – their daily cup of coffee.</p> <p>Coffee sales have largely <a href="https://www.statista.com/statistics/866543/australia-domestic-consumption-of-coffee/">remained stable</a>, even as financial pressures have bitten over the past few years.</p> <p>So too have prices. Though many of us became upset when prices began to creep up last year, they’ve since largely settled in the range between $4.00 and $5.50 for a basic drink.</p> <p>But this could soon have to change. By international standards, Australian coffee prices are low.</p> <p>No one wants to pay more for essentials, least of all right now. But our independent cafes are struggling.</p> <p>By not valuing coffee properly, we risk losing the <a href="https://bizcup.com.au/australian-coffee-culture/">internationally renowned</a> coffee culture we’ve worked so hard to create, and the phenomenal quality of cup we enjoy.</p> <h2>Coffee is relatively cheap in Australia</h2> <p>Our recent survey of Australian capital cities found the average price of a small takeaway flat white at speciality venues is A$4.78.</p> <p>But in <a href="https://pabloandrustys.com.au/blogs/drinkbettercoffee/global-coffee-prices">some international capitals</a>, it’s almost double this, even after adjusting for local <a href="https://www.investopedia.com/updates/purchasing-power-parity-ppp/">purchasing power parity</a>.</p> <p><iframe id="gaplH" class="tc-infographic-datawrapper" style="border: none;" src="https://datawrapper.dwcdn.net/gaplH/" width="100%" height="400px" frameborder="0"></iframe></p> <p>In London, a small flat white costs about A$6.96. Singapore, A$8.42. In Athens, as much as A$9.95.</p> <h2>The cafe business is getting harder</h2> <p>Over the past few decades, coffee prices haven’t kept pace with input costs. In the early 2000s, after wages, food costs, utilities and rent, many cafes <a href="https://www.coffeecommune.com.au/blog-why-are-cafes-so-expensive/">earned healthy profit margins</a> as high as 20%.</p> <p>The <a href="https://www.ibisworld.com/au/industry/cafes-coffee-shops/2015/">most recent data from IBISWorld</a> show that while Australian cafe net profits have recovered from a drop in 2020, at 7.6%, they remain much lower than the Australian <a href="https://www.money.com.au/research/australian-business-statistics">average business profit margin of 13.3%</a>.</p> <p>For an independent owner operating a cafe with the <a href="https://www.ibisworld.com/au/industry/cafes-coffee-shops/2015/">average turnover of A$300,000</a>, this would amount to a meagre A$22,800 annual net profit after all the bills are paid.</p> <h2>What goes into a cup?</h2> <p>Just looking at the cost of raw inputs – milk, beans, a cup and a lid – might make the margin seem lucrative. But they don’t paint the whole picture.</p> <figure class="align-center "><img src="https://images.theconversation.com/files/584949/original/file-20240328-24-rlngpk.jpg?ixlib=rb-1.1.0&q=45&auto=format&w=754&fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/584949/original/file-20240328-24-rlngpk.jpg?ixlib=rb-1.1.0&q=45&auto=format&w=600&h=600&fit=crop&dpr=1 600w, https://images.theconversation.com/files/584949/original/file-20240328-24-rlngpk.jpg?ixlib=rb-1.1.0&q=30&auto=format&w=600&h=600&fit=crop&dpr=2 1200w, https://images.theconversation.com/files/584949/original/file-20240328-24-rlngpk.jpg?ixlib=rb-1.1.0&q=15&auto=format&w=600&h=600&fit=crop&dpr=3 1800w, https://images.theconversation.com/files/584949/original/file-20240328-24-rlngpk.jpg?ixlib=rb-1.1.0&q=45&auto=format&w=754&h=754&fit=crop&dpr=1 754w, https://images.theconversation.com/files/584949/original/file-20240328-24-rlngpk.jpg?ixlib=rb-1.1.0&q=30&auto=format&w=754&h=754&fit=crop&dpr=2 1508w, https://images.theconversation.com/files/584949/original/file-20240328-24-rlngpk.jpg?ixlib=rb-1.1.0&q=15&auto=format&w=754&h=754&fit=crop&dpr=3 2262w" alt="A takeaway coffee cup showing the price inputs, with wages and operation costs making up over 65% of the cost of a coffee" /><figcaption><span class="caption">Chart: The Conversation.</span> <span class="attribution"><a class="source" href="https://pabloandrustys.com.au/blogs/drinkbettercoffee/whats-in-the-cost-of-coffee">Data: Pablo and Rusty's Coffee Roasters</a>, <a class="license" href="http://creativecommons.org/licenses/by-sa/4.0/">CC BY-SA</a></span></figcaption></figure> <p>Over the past few years, renting the building, keeping the lights on and paying staff have all become <a href="https://www.reuters.com/business/ground-down-australia-coffee-shops-an-early-inflation-casualty-2023-07-10/">much bigger factors</a> in the equation for coffee shop owners, and many of these pressures aren’t easing.</p> <p><strong>1. Green coffee price</strong></p> <p>Increasingly <a href="https://www.aa.com.tr/en/environment/brewing-crisis-how-climate-change-is-reshaping-coffee-production/3113886">subject to the effects</a> of climate change, the baseline commodity price of green (unroasted) coffee is <a href="https://perfectdailygrind.com/2024/02/demand-for-robusta-prices-record-high/">going up</a>.</p> <p>Arabica – the higher quality bean you’re most likely drinking at specialty cafes – is a more expensive raw product. Despite levelling off from post-pandemic highs, its price is still trending up. In 2018, it <a href="https://www.statista.com/statistics/675807/average-prices-arabica-and-robusta-coffee-worldwide/">sold</a> for US$2.93 per kilogram, which is projected to increase to US$4.38 dollars in 2025.</p> <p>Robusta coffee is cheaper, and is the type <a href="https://www.lavazza.com.au/en/coffee-secrets/difference-type-arabica-robusta-coffee">typically used to make instant coffee</a>. But serious drought in Vietnam has just pushed the price of robusta to an <a href="https://www.barchart.com/story/news/25094367/coffee-rallies-with-robusta-at-a-record-high-on-shrinking-coffee-output-in-vietnam">all-time high</a>, putting pressure on the cost of coffee more broadly.</p> <p><strong>2. Milk prices</strong></p> <p>The price of fresh milk has risen by <a href="https://cdn-prod.dairyaustralia.com.au/-/media/project/dairy-australia-sites/national-home/resources/reports/situation-and-outlook/situation-and-outlook-report-march-2024.pdf?rev=b0222df4b01b40d0ae36cf8ac7b01bc0">more than 20%</a> over the past two years, and remains at a peak. This has put sustained cost pressure on the production of our <a href="https://gitnux.org/australian-coffee-consumption-statistics/#:%7E:text=Coffee%20is%20a%20beloved%20beverage,approximately%206%20billion%20cups%20annually.">most popular drink orders</a>: cappuccinos and flat whites.</p> <p><strong>3. Wages and utilities</strong></p> <p>Over the past year, Australian wages have grown at their <a href="https://ministers.treasury.gov.au/ministers/jim-chalmers-2022/media-releases/real-wages-growth-back">fastest rate</a> since 2009, which is welcome news for cafe staff, but tough on operators in a sector with low margins.</p> <p>Electricity prices remain elevated after significant inflation, but could <a href="https://www.sbs.com.au/news/article/heres-how-much-your-energy-bills-might-go-down-by-and-when/k8g00jheg">begin to fall mid-year</a>.</p> <h2>Specialty vs. commodity coffee: why price expectations create an industry divide</h2> <p>One of the key factors keeping prices low in Australia is consumer expectation.</p> <p>For many people coffee is a fundamental part of everyday life, a marker of livability. Unlike wine or other alcohol, coffee is not considered a luxury or even a treat, where one might expect to pay a little more, or reduce consumption when times are economically tough. We anchor on familiar prices.</p> <p><iframe id="oDbah" class="tc-infographic-datawrapper" style="border: none;" src="https://datawrapper.dwcdn.net/oDbah/" width="100%" height="400px" frameborder="0"></iframe></p> <p>Because of this, it really hurts cafe owners to put their prices up. In touch with their customer base almost every day, they’re acutely aware of how much inflation can hurt.</p> <p>But in Australia, a huge proportion of coffee companies are also passionate about creating a world-class product by only using “<a href="https://medium.com/@samandsunrise/why-is-specialty-coffee-so-expensive-6cf298935e4b#:%7E:text=Specialty%20Shops%20Feature%20High%20Grade%20Coffees&text=Their%20coffees%20are%20hand%2Dpicked,even%20on%20the%20same%20tree.">specialty coffee</a>”. Ranked at least 80 on a quality scale, specialty beans cost significant more than commodity grade, but their production offers better working conditions for farmers and encourages more sustainable growing practices.</p> <p>Although not commensurate with the wine industry, there are similarities. Single origin, high quality beans are often sourced from one farm and demand higher prices than commodity grade coffee, where cheaper sourced beans are often combined in a blend.</p> <p>Running a specialty cafe can also mean roasting your own beans, which requires a big investment in expertise and equipment.</p> <p>It’s an obvious example of doing the right thing by your suppliers and customers. But specialty cafes face much higher operating costs, and when they’re next to a commodity-grade competitor, customers are typically unwillingly to pay the difference.</p> <h2>Approach price rises with curiosity, not defensiveness</h2> <p>When cafe owners put up their prices, we often rush to accuse them of selfishness or profiteering. But they’re often just trying to survive.</p> <p>Given the quality of our coffee and its global reputation, it shouldn’t surprise us if we’re soon asked to pay a little bit more for our daily brew.</p> <p>If we are, we should afford the people who create one of our most important “<a href="https://theconversation.com/how-cafes-bars-gyms-barbershops-and-other-third-places-create-our-social-fabric-135530">third spaces</a>” kindness and curiosity as to why. <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/226015/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><a href="https://theconversation.com/profiles/emma-felton-143029"><em>Emma Felton</em></a><em>, Adjunct Senior Researcher, <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/think-5-50-is-too-much-for-a-flat-white-actually-its-too-cheap-and-our-world-famous-cafes-are-paying-the-price-226015">original article</a>.</em></p>

Money & Banking

Should you be worried about the amount of coffee or tea you drink?

<p>Before you reach for that cup of coffee or tea, have you ever thought about whether that caffeinated beverage is <a href="https://cosmosmagazine.com/health/body-and-mind/debunks-vices-coffee-caffeine/">good or bad for you</a>?</p> <p><iframe title="Vices: Is coffee good or bad for you?" src="https://omny.fm/shows/debunks/vices-is-coffee-good-or-bad-for-you/embed?style=Cover" width="100%" height="180" frameborder="0"></iframe></p> <p>Most of us will drink coffee or tea each day.</p> <p>It helps keep us alert, especially in a world of the nine-to-five grind. Some workers rely on caffeine to get them through shift work and night shifts.</p> <p>Many, like me, would just collapse in a heap if it weren’t for that liquid black gold to keep us peppy in the morning.</p> <h2 class="wp-block-heading">What is caffeine?</h2> <p>To get a better picture of how coffee or tea affects us, let’s examine the active ingredient: <a href="https://cosmosmagazine.com/podcast/huh-science-explained-stirring-the-science-of-caffeine/">caffeine</a>.</p> <p>Caffeine is a <a href="https://www.betterhealth.vic.gov.au/health/healthyliving/caffeine" target="_blank" rel="noopener">drug</a>. It’s a white, odourless substance known to chemists as 1,3,7-trimethylxanthine and is made up of 8 carbon, 10 hydrogen, 4 nitrogen and 2 oxygen atoms.</p> <p>Caffeine occurs naturally in coffee beans, cocoa beans, kola nuts, and tea leaves.</p> <p>It is an adenosine antagonist, blocking the A1, A2A, and A2B receptors in the brain and body to promote wakefulness. Normally, adenosine (a chemical compound with a similar 3D structure to caffeine) binds to its receptors, slowing neural activity and making you sleepy.</p> <p>When caffeine, instead, binds to the receptors, adenosine is blocked and brain activity speeds up, making you feel more alert.</p> <h2 class="wp-block-heading">History lesson</h2> <p>Tea and coffee are the most common way for humans to get their caffeine fix.</p> <p>Drinks made using coffee beans date back more than a thousand years to the coffee forests of the horn of Africa.</p> <p>Legend says that, around 800 CE, an Ethiopian goat herder named Kaldi noticed his goats were energetic and didn’t sleep when they ate the coffee beans. Coffee then spread eastward to the Arabian Peninsula, reaching Yemen in the 15th century, and Egypt, Syria, Persia and Turkey in the 1500s. From their it made it to Europe and eventually the whole world.</p> <p>But caffeine is also present in other beverages like tea, cola and even some foods like chocolate.</p> <h2 class="wp-block-heading">Is it bad for you?</h2> <p>Given how prevalent the drug is, are there negative side effects we should be worried about?</p> <p>For one thing, it is an addictive substance. And the more you drink, the more you need.</p> <p>“Our body tends to adjust to a new level of consumption,” Kitty Pham, a PhD candidate at the University of South Australia and expert in nutritional and genetic epidemiology, tells <em>Cosmos</em>. “Your body does develop a tolerance to the caffeine. So, you start to need to drink more and more to feel the same effect as before.”</p> <p>Caffeine can also act as an anxiogenic – a substance that can trigger heightened levels of anxiety.</p> <p>Pham notes some risks associated with too much caffeine consumption over a long period of time.</p> <p>“Greater than 6 cups per day, we did see an increase in dementia risk,” she notes. “There’s also some research on how it might increase your cholesterol. There’s a substance in coffee called cafestol that can regulate your blood cholesterol. If you’re drinking too much coffee, it might be increasing your cholesterol. So, there are risks, but often they are at really high consumption.”</p> <h2 class="wp-block-heading">What’s the limit?</h2> <p>So, how much caffeine is too much according to science?</p> <p>“That’s, the million-dollar question, isn’t it?” Pham laughs. “There’s a lot of varying research on it. It’s hard to tell a definite limit. But generally, most studies really agree that one to two cups of coffee, or an equivalent of 100 to 200 milligrams of caffeine is safe and okay.”</p> <p>The average cup of coffee has about 100 mg of caffeine. On average, instant coffee with one teaspoon of powder contains about 70 mg of caffeine, while a coffee pod has 60–90 mg.</p> <p>Other drinks containing might have even more caffeine, making it important to monitor your consumption more carefully.</p> <p>A 355 mL can of Red Bull energy drink has more than 110 mg of caffeine. Meanwhile, an average bar of dark chocolate has about 70 mg of caffeine.</p> <p>Many people are moving away from coffee to drinks like tea and matcha which may have <a href="https://cosmosmagazine.com/health/flavonoids-black-tea/">additional</a> <a href="https://cosmosmagazine.com/health/tea-drinkers-may-well-live-longer/">health</a> <a href="https://cosmosmagazine.com/health/black-tea-mortality-risk/">benefits</a>. A 100-gram cup of black tea has only about 20 mg of caffeine, while matcha can have 140–170 mg of caffeine!</p> <p>“Looking at the US, they usually recommend less than 400 milligrams. So overall, moderation and keeping your consumption to one to two cups – that’s what I’d recommend.”</p> <p>Now that I’ve written about caffeine, I think I need another cuppa. It’s only my second of the day, I swear. </p> <p><em>Image credits: Getty Images </em></p> <div> <h3><em><a href="https://link.cosmosmagazine.com/JQ4R"><noscript data-spai="1"><img decoding="async" class="alignleft size-full wp-image-198773" src="https://cdn.shortpixel.ai/spai/ret_img/cosmosmagazine.com/wp-content/uploads/2023/04/Apple-Podcasts.svg" data-spai-egr="1" alt="Subscribe to our podcasts" width="300" height="54" title="should you be worried about the amount of coffee or tea you drink? 2"></noscript></a><a href="https://link.cosmosmagazine.com/JQ4U"><noscript data-spai="1"><img decoding="async" class="alignleft size-full wp-image-198773" src="https://cdn.shortpixel.ai/spai/ret_img/cosmosmagazine.com/wp-content/uploads/2023/04/Spotify.svg" data-spai-egr="1" alt="Subscribe to our podcasts" width="300" height="54" title="should you be worried about the amount of coffee or tea you drink? 3"></noscript></a></em></h3> </div> <p><em></em></p> <p><em><a href="https://cosmosmagazine.com/health/body-and-mind/coffee-tea-caffeine-debunks/">This article</a> was originally published on <a href="https://cosmosmagazine.com">Cosmos Magazine</a> and was written by <a href="https://cosmosmagazine.com/contributor/evrim-yazgin/">Evrim Yazgin</a>.</em></p>

Body

Body language expert breaks down royal family's Christmas card

<p>A body language expert has broken down the subtle meanings and messages hidden in the royal family's Christmas card. </p> <p>On Monday, Prince William and Kate Middleton shared their 2023 Christmas card portrait, which features the Prince and Princess of Wales and their three children in a charming black and white photo. </p> <p>While their family portrait was met with <a href="https://oversixty.com.au/lifestyle/family-pets/blah-brutal-reactions-to-royal-family-s-2023-christmas-card" target="_blank" rel="noopener">mixed reactions</a>, royal fans wasted no time in praising the family for their charming photo. </p> <p>Now, body language experts have dived deep into the real meaning behind almost unnoticeable actions taken by the royals in the pic. </p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-permalink="https://www.instagram.com/p/C0pf0IXNv15/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/p/C0pf0IXNv15/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by The Prince and Princess of Wales (@princeandprincessofwales)</a></p> </div> </blockquote> <p>Body language analyst Judi James told <em><a href="https://www.thesun.co.uk/royals/24997829/kate-william-christmas-card-body-language-signal/" target="_blank" rel="nofollow noopener" data-ylk="slk:The Sun;elm:context_link;itc:0" data-rapid_p="26" data-v9y="1">The Sun</a></em> that, "The strong sense of tight, loving ‘uniformed’ grouping and the stark monochrome, plus the relaxed and confident body language looks like the emotional equivalent of them having a moat and drawbridge around them."</p> <p>Judi went on to say that their choice of relaxed outfits - jeans and white button-up shirts - would be an intentional choice as they show "the strength and total confidence of the pared-down family brand here, without all the trimmings and trappings of their royal status."</p> <p>As she notes, "We know they look superb in formalwear and royal regalia but this is the casual and much more relatable version."</p> <p>Judi also claims that Prince William's slight head tilt "suggests a desire to be liked", while "Kate leans into William’s torso to make this a subtly romantic pose too."</p> <p>Meanwhile, according to Judi, the position of Princess Charlotte right in the middle of the family could be intentional, who says "Charlotte looks so much like the late Queen and this central status-rich pose and beautiful smile are like echoes of Elizabeth when she was young."</p> <p>"This effect doesn’t look deliberate but it is still a rather moving message from this family Christmas card."</p> <p><em>Image credits: Getty Images</em></p>

Body

"Blah": Brutal reactions to royal family's 2023 Christmas card

<p>Royal fans have shared their mixed reviews of the 2023 Christmas card portrait, featuring Prince William, Kate Middleton and their three children. </p> <p>The Prince and Princess of Wales shared their family photo to their Instagram account on Sunday, with the snap showing the royal family of five all dressed in similar outfits: simple black pants or jeans, and white button up tops.</p> <p>The photo, taken in black and white, shows Kate and William standing behind their three kids, while Prince George and Prince Louis standing around Princess Charlotte, who was seated for the photo. </p> <p>The post of their family Christmas card picture has racked up over 2 million likes, with thousands of people sharing their thoughts on the snap in the comments. </p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-captioned="" data-instgrm-permalink="https://www.instagram.com/p/C0pf0IXNv15/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/p/C0pf0IXNv15/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by The Prince and Princess of Wales (@princeandprincessofwales)</a></p> </div> </blockquote> <p>Many were quick to comment on the similarities between the younger royals and their predecessors, with many stating that "Princess Charlotte looks like a young Queen Elizabeth", while others shared their thoughts on how much Prince Louis is looking like his mother. </p> <p>Despite many royal fans delighting over the card, there were some mixed reactions from others. </p> <p>Royal commentators online were quick to point out how this year's card, all in black and white, is a stark contrast to last year's photo, which shows the family walking hand-in-hand in the sunshine. </p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-permalink="https://www.instagram.com/p/CmH_qcOtUx_/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/p/CmH_qcOtUx_/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by The Prince and Princess of Wales (@princeandprincessofwales)</a></p> </div> </blockquote> <p>While acknowledging that the photo is objectively lovely of the family, some wish that the portrait had a bit more Christmas spirit. </p> <p>One person wrote on X, "This doesn’t look like a Christmas Card. Looks like a Vogue edit’s choice cover from the 90s. Beautiful but not Xmassy!"</p> <p>Another added that the image looked like it was "taken at a photo studio in a shopping mall," while another disappointed fan said it was "Kind of... Well, blah."</p> <p><em>Image credits: Getty Images</em></p>

Family & Pets

How risky is it to give card details over the phone and how do I reduce the chance of fraud?

<p><em><a href="https://theconversation.com/profiles/paul-haskell-dowland-382903">Paul Haskell-Dowland</a>, <a href="https://theconversation.com/institutions/edith-cowan-university-720">Edith Cowan University</a> and <a href="https://theconversation.com/profiles/ismini-vasileiou-1031778">Ismini Vasileiou</a>, <a href="https://theconversation.com/institutions/de-montfort-university-1254">De Montfort University</a></em></p> <p>Paying for things digitally is so common, most of us think nothing of swiping or tapping our card, or using mobile payments. While doing so is second nature, we may be more reluctant to provide card details over the phone.</p> <p>Merchants are allowed to ask us for credit card details over the phone – this is perfectly legal. But there are minimum standards they must comply with and safeguards to protect consumer data.</p> <p>So is giving your card details over the phone any more risky than other transactions and how can you minimise the risks?</p> <h2>How is my card data protected?</h2> <p>For a merchant to process card transactions, they are expected to comply with the <a href="https://docs-prv.pcisecuritystandards.org/PCI%20DSS/Standard/PCI-DSS-v4_0.pdf">Payment Card Industry Data Security Standard</a>. This is a set of security requirements designed to protect cardholder data and the trillions of dollars of transactions each year.</p> <p>Compliance involves various security measures (such as encryption and access controls) together with strong governance and regular security assessments.</p> <p>If the information stored by the merchant is accessed by an unauthorised party, encryption ensures it is not readable. That means stealing the data would not let the criminals use the card details. Meanwhile, access controls ensure only authorised individuals have access to cardholder data.</p> <p>Though all companies processing cards are expected to meet the compliance standards, only those processing large volumes are subject to mandatory regular audits. Should a subsequent data leak or misuse occur that can be attributed to a compliance failure, a <a href="https://www.csoonline.com/article/569591/pci-dss-explained-requirements-fines-and-steps-to-compliance.html">company can be penalised</a> at levels that can escalate into millions of dollars.</p> <p>These requirements apply to all card transactions, whether in person, online or over the phone. Phone transactions are likely to involve a human collecting the card details and either entering them into computer systems, or processing the payment through paper forms. The payment card Security Standards Council has <a href="https://docs-prv.pcisecuritystandards.org/Guidance%20Document/Telephone-Based%20Payments/Protecting_Telephone_Based_Payment_Card_Data_v3-0_nov_2018.pdf">detailed guides for best practice</a>:</p> <blockquote> <p>A policy should be in place to ensure that payment card data is protected against unauthorised viewing, copying, or scanning, in particular on desks.</p> </blockquote> <p>Although these measures can help to protect your card data, there are still risks in case the details are misplaced or the person on the phone aren’t who they say they are.</p> <h2>Basic tips for safe credit card use over the phone</h2> <p>If you provide card details over the phone, there are steps you can take to minimise the chance you’ll become the victim of fraud, or get your details leaked.</p> <p><strong>1. Verify the caller</strong></p> <p>If you didn’t initiate the call, hang up and call the company directly using details you’ve verified yourself. Scammers will often masquerade as a well-known company (for example, an online retailer or a courier) and convince you a payment failed or payment is needed to release a delivery.</p> <p>Before you provide any information, confirm the caller is legitimate and the purpose of the call is genuine.</p> <p><strong>2. Be sceptical</strong></p> <p>If you are being offered a deal that’s too good to be true, have concerns about the person you’re dealing with, or just feel something is not quite right, hang up. You can always call them back later if the caller turns out to be legitimate.</p> <p><strong>3. Use secure payment methods</strong></p> <p>If you’ve previously paid the company with other (more secure) methods, ask to use that same method.</p> <p><strong>4. Keep records</strong></p> <p>Make sure you record details of the company, the representative you are speaking to and the amount being charged. You should also ask for an order or transaction reference. Don’t forget to ask for the receipt to be sent to you.</p> <p>Check the transaction against your card matches the receipt – use your banking app, don’t wait for the statement to come through.</p> <h2>Virtual credit cards</h2> <p>In addition to the safeguards mentioned above, a <a href="https://www.forbes.com/advisor/credit-cards/virtual-credit-card-numbers-guide/">virtual credit card</a> can help reduce the risk of card fraud.</p> <p>You probably already have a form of virtual card if you’ve added a credit card to your phone for mobile payments. Depending on the financial institution, you can create a new credit card number linked to your physical card.</p> <p>Some banks extend this functionality to allow you to generate unique card numbers and/or CVV numbers (the three digits at the back of your card). With this approach you can easily separate transactions and cancel a virtual card/number if you have any concerns.</p> <h2>What to do if you think your card details have been compromised or stolen?</h2> <p>It’s important not to panic, but quick action is essential:</p> <ul> <li> <p>call your bank and get the card blocked so you won’t lose any more money. Depending on your situation, you can also block/cancel the card through your banking app or website</p> </li> <li> <p>report the issue to the police or other relevant body</p> </li> <li> <p>monitor your account(s) for any unusual transactions</p> </li> <li> <p>explore card settings in your banking app or website – many providers allow you to limit transactions based on value, restrict transaction types or enable alerts</p> </li> <li> <p>you may want to consider registering for <a href="https://theconversation.com/your-credit-report-is-a-key-part-of-your-privacy-heres-how-to-find-and-check-it-116999">credit monitoring services</a> and to enable fraud alerts.</p> </li> </ul> <h2>So, should I give my card details over the phone?</h2> <p>If you want to minimise risk, it’s best to avoid giving card details over the phone if you can. Providing your card details via a website still has risks, but at least it removes the human element.</p> <p>The best solution currently available is to use virtual cards – if anything goes wrong you can cancel just that unique card identity, rather than your entire card.<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/216833/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em><a href="https://theconversation.com/profiles/paul-haskell-dowland-382903">Paul Haskell-Dowland</a>, Professor of Cyber Security Practice, <a href="https://theconversation.com/institutions/edith-cowan-university-720">Edith Cowan University</a> and <a href="https://theconversation.com/profiles/ismini-vasileiou-1031778">Ismini Vasileiou</a>, Associate Professor, <a href="https://theconversation.com/institutions/de-montfort-university-1254">De Montfort University</a></em></p> <p><em>Image credits: Getty Images</em></p> <p><em>This article is republished from </em><a style="font-style: italic;" href="https://theconversation.com">The Conversation</a><em> under a Creative Commons license. Read the </em><a style="font-style: italic;" href="https://theconversation.com/how-risky-is-it-to-give-card-details-over-the-phone-and-how-do-i-reduce-the-chance-of-fraud-216833">original article</a><em>.</em></p>

Money & Banking

How is decaf coffee made? And is it really caffeine-free?

<p><em><a href="https://theconversation.com/profiles/lauren-ball-14718">Lauren Ball</a>, <a href="https://theconversation.com/institutions/the-university-of-queensland-805">The University of Queensland</a> and <a href="https://theconversation.com/profiles/emily-burch-438717">Emily Burch</a>, <a href="https://theconversation.com/institutions/southern-cross-university-1160">Southern Cross University</a></em></p> <p>Coffee is one of the most popular drinks in the world, and its high levels of caffeine are among the main reasons why. It’s a natural stimulant that provides an energy buzz, and we just can’t get enough.</p> <p>However, some people prefer to limit their caffeine intake <a href="https://pubmed.ncbi.nlm.nih.gov/12684194/">for health</a> or other reasons. Decaffeinated or “decaf” coffee is widely available, and its consumption is reported to be <a href="https://www.coffeebeanshop.com.au/coffee-blog/decaf-coffee-market-worth-2145-billion-by-2025-at-69">on the rise</a>.</p> <p>Here’s what you need to know about decaf coffee: how it’s made, the flavour, the benefits – and whether it’s actually caffeine-free.</p> <h2>How is decaf made?</h2> <p>Removing caffeine while keeping a coffee bean’s aroma and flavour intact isn’t a simple task. Decaf coffee is made by stripping green, unroasted coffee beans of their caffeine content and relies on the fact that <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC6318762/#:%7E:text=Caffeine%20(Figure%201a)%20being,(15%20g%2FL).">caffeine dissolves</a> in water.</p> <p>Three main methods are used for removing caffeine: chemical solvents, liquid carbon dioxide (CO₂), or plain water with special filters.</p> <p>The additional steps required in all of these processing methods are why decaf coffee is often more expensive.</p> <h2>Solvent-based methods</h2> <p>Most decaf coffee is made using <a href="https://www.tandfonline.com/doi/epdf/10.1080/10408699991279231?needAccess=true">solvent-based</a> methods as it’s the cheapest process. This method breaks down into two further types: <a href="https://www.sciencedirect.com/science/article/abs/pii/B9780123849472001835">direct and indirect</a>.</p> <p>The <strong>direct method</strong> involves steaming the coffee beans and then repeatedly soaking them in a chemical solvent (usually methylene chloride or ethyl acetate) which binds to the caffeine and extracts it from the beans.</p> <p>After a pre-determined time, the caffeine has been extracted and the coffee beans are steamed once more to remove any residual chemical solvent.</p> <p>The <strong>indirect method</strong> still uses a chemical solvent, but it doesn’t come into direct contact with the coffee beans. Instead, the beans are soaked in hot water, then the water is separated from the beans and treated with the chemical solvent.</p> <p>The caffeine bonds to the solvent in the water and is evaporated. The caffeine-free water is then returned to the beans to reabsorb the coffee flavours and aromas.</p> <p>The solvent chemicals (particularly methylene chloride) used in these processes are a source of controversy around decaf coffee. This is because <a href="https://www.sciencedirect.com/topics/biochemistry-genetics-and-molecular-biology/dichloromethane">methylene chloride</a> is suggested to be mildly carcinogenic in high doses. Methylene chloride and ethyl acetate are commonly used in paint stripper, nail polish removers and degreaser.</p> <p>However, both the <a href="https://www.foodstandards.gov.au/code/pages/default.aspx">Australian New Zealand Food Standards Code</a> and <a href="https://www.accessdata.fda.gov/scripts/cdrh/cfdocs/cfcfr/cfrsearch.cfm?fr=173.255">the United States Food and Drug Administration</a> permit the use of these solvents to process decaf. They also have strict limits on the amount of the chemicals that can still be present on the beans, and in reality <a href="https://www.chemicals.co.uk/blog/how-dangerous-is-methylene-chloride">practically no solvent</a> is left behind.</p> <h2>Non-solvent-based methods</h2> <p>Non-solvent-based methods that use liquid carbon dioxide or water are becoming increasingly popular as they don’t involve chemical solvents.</p> <p>In the <a href="https://www.tandfonline.com/doi/pdf/10.1080/10408699991279231"><strong>CO₂ method</strong></a>, liquid carbon dioxide is pumped into a high-pressure chamber with the beans, where it binds to the caffeine and is then removed through high pressure, leaving behind decaffeinated beans.</p> <p>The <strong>water method</strong> (also known as the Swiss water process) is exactly what it sounds like – it <a href="http://publication.eiar.gov.et:8080/xmlui/bitstream/handle/123456789/3234/ECSS%20Proceeding%20Final.pdf?sequence=1#page=294">involves extracting caffeine</a> from coffee beans using water. There are variations on this method, but the basic steps are as follows.</p> <p>For an initial batch, green coffee beans are soaked in hot water, creating an extract rich in caffeine and flavour compounds (the flavourless beans are then discarded). This green coffee extract is passed through activated charcoal filters, which trap the caffeine molecules while allowing the flavours to pass through.</p> <p>Once created in this way, the caffeine-free extract can be used to soak a new batch of green coffee beans – since the flavours are already saturating the extract, the only thing that will be dissolved from the beans is the caffeine.</p> <figure><iframe src="https://www.youtube.com/embed/8531vyP7Z5U?wmode=transparent&start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe></figure> <h2>Is caffeine fully removed from decaf?</h2> <p>Switching to decaf may not be as caffeine free as you think.</p> <p>It is unlikely that 100% of the caffeine will be successfully <a href="https://pubmed.ncbi.nlm.nih.gov/8603790/">stripped from the coffee beans</a>. Just like the caffeine content of coffee can vary, some <a href="https://pubmed.ncbi.nlm.nih.gov/17132260/">small amounts</a> of caffeine are still present in decaf.</p> <p>However, the amount is quite modest. You would need to drink more than ten cups of decaf to reach the caffeine level typically present in <a href="https://academic.oup.com/jat/article/30/8/611/714415">one cup of caffeinated coffee</a>.</p> <p>Australia <a href="https://www.foodstandards.gov.au/code/Documents/1.1.2%20Definitions%20v157.pdf">does not require</a> coffee roasters or producers to detail the process used to create their decaf coffee. However, you might find this information on some producers’ websites if they have chosen to advertise it.</p> <h2>Does decaf coffee taste different?</h2> <p>Some people say decaf tastes different. Depending on how the beans are decaffeinated, some aromatic elements may be co-extracted with the caffeine <a href="https://pubmed.ncbi.nlm.nih.gov/23745606/">during the process</a>.</p> <p>Caffeine also contributes to the bitterness of coffee, so when the caffeine is removed, so is <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC8948847/">some of the bitterness</a>.</p> <h2>Do caffeinated and decaf coffee have the same health benefits?</h2> <p>The health benefits found for drinking decaf coffee are similar to that of caffeinated coffee, including a lower risk of type 2 diabetes, some cancers and overall <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC5696634/">mortality</a>. More recently, coffee has been linked with improved weight management over time.</p> <p>Most of the health benefits have been shown by drinking <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC5696634/">three cups</a> of decaf per day.</p> <p>Moderation is key, and remember that the greatest health benefits will come from having a <a href="https://theconversation.com/what-is-a-balanced-diet-anyway-72432">balanced diet</a>.<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/215546/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><a href="https://theconversation.com/profiles/lauren-ball-14718"><em>Lauren Ball</em></a><em>, Professor of Community Health and Wellbeing, <a href="https://theconversation.com/institutions/the-university-of-queensland-805">The University of Queensland</a> and <a href="https://theconversation.com/profiles/emily-burch-438717">Emily Burch</a>, Dietitian, Researcher & Lecturer, <a href="https://theconversation.com/institutions/southern-cross-university-1160">Southern Cross 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/how-is-decaf-coffee-made-and-is-it-really-caffeine-free-215546">original article</a>.</em></p>

Food & Wine

Can coffee help you avoid weight gain? Here’s what the science says

<p><em><a href="https://theconversation.com/profiles/lauren-ball-14718">Lauren Ball</a>, <a href="https://theconversation.com/institutions/the-university-of-queensland-805">The University of Queensland</a> and <a href="https://theconversation.com/profiles/emily-burch-438717">Emily Burch</a>, <a href="https://theconversation.com/institutions/southern-cross-university-1160">Southern Cross University</a></em></p> <p>Coffee is well recognised as having a positive impact on long-term health. Drinking the equivalent of three to four cups of instant coffee a day <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC5696634/">reduces the risk</a> of many health conditions including heart disease, type 2 diabetes and some cancers.</p> <p>Most people gain <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC4984841/">small amounts of weight</a> each year as they age. But can coffee help prevent this gradual weight gain?</p> <p>A group of researchers examined whether drinking an extra cup of coffee a day – or adding sugar, cream or a non-dairy alternative – resulted in more or less weight gain than those who didn’t adjust their intake.</p> <p>Their <a href="https://www.sciencedirect.com/science/article/abs/pii/S0002916523661702">research</a> (currently a pre-proof, which means it has been peer reviewed but is yet to undergo the final formatting and copyediting) found a modest link between coffee and gaining less weight than expected.</p> <p>People who drank an extra cup of coffee a day gained 0.12 kg less weight than expected over four years. Adding sugar resulted in a fraction more (0.09 kg) weight gain than expected over four years.</p> <h2>How was the study conducted? What did it find?</h2> <p>Researchers combined data from three large studies from the United States: two <a href="https://nurseshealthstudy.org">Nurses’ Health Studies</a> from 1986 to 2010, and from 1991 to 2015, and a <a href="https://www.hsph.harvard.edu/hpfs/about-the-study/">Health Professional Follow-up study</a> from 1991 to 2014.</p> <p>The Nurses’ Health Studies are two of the largest cohort studies, with more 230,000 participants, and investigates chronic disease risks for women. The Health Professional Follow-up study involves more than 50,000 male health professionals and investigates the relationship between diet and health outcomes.</p> <p>Participants in all three studies completed a baseline questionnaire, and another questionnaire every four years to assess their food and drink intake. Using the combined datasets, researchers analysed changes in coffee intake and changes in the participants’ self-reported weight at four-year intervals.</p> <p>The average four year weight-gains for the nurses’ studies were 1.2kg and 1.7kg, while participants in the health professionals study gained an average of 0.8kg.</p> <p>The researchers found that increasing unsweetened caffeinated or decaffeinated coffee intake by one cup a day was associated with a weight gain that was 0.12 kg less than expected over four years.</p> <p>Adding creamer (milk) or a non-dairy alternative did not significantly affect this weight change.</p> <p>However, adding sugar (one teaspoon) to coffee was associated with a weight gain that was 0.09 kg more than expected over four years.</p> <p>These associations were stronger in participants who were younger and had a higher body mass index at the beginning of the studies.</p> <h2>What are the pros and cons of the study?</h2> <p>This study is unique in two ways. It had a very large sample size and followed participants for many years. This adds confidence that the associations were real and can likely be applied to other populations.</p> <p>However, there are three reasons to be cautious.</p> <p>First, the findings represent an <em>association</em>, not <em>causation</em>. This means the study does not prove that coffee intake is the true reason for the weight change. Rather, it shows the two changes were observed together over time.</p> <p>Second, the findings around weight were very modest. The average four-year weight gain averted, based on one cup of coffee, was 0.12 kilograms, which is about 30 grams per year. This amount may not be a meaningful change for most people looking to manage weight.</p> <p>Finally, this analysis did not consider the variability in the amount of caffeine in coffee (which we <a href="https://pubmed.ncbi.nlm.nih.gov/17412475/">know can be high</a>), it just assumed a standard amount of caffeine per cup.</p> <h2>How could coffee help with weight management?</h2> <p>Caffeine is a natural stimulant which has been <a href="https://www.sciencedirect.com/science/article/pii/S0149763416300690">shown to</a> temporarily reduce appetite and increase alertness. This may help to feel less hungry for a short period, potentially leading to reduced energy intake.</p> <p>Some people consume coffee before exercise as a stimulant to <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC7777221/">improve their workout performance</a> – if a workout is more effective, more energy may be expended. However, the benefit is largely thought to be short-lived, rather than long-term.</p> <p>Caffeine has also been <a href="https://www.sciencedirect.com/science/article/pii/S0271531720304449">shown to</a> speed up our metabolism, causing more energy to be burned while resting. However, this effect is relatively small and is not a suitable substitute for regular physical activity and a healthy diet.</p> <p>Finally, coffee has a <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC4725310/">mild diuretic effect</a>, which can lead to temporary water weight loss. This is water loss, not fat loss, and the weight is quickly regained when you re-hydrate.</p> <h2>Is it worth trying coffee for weight loss?</h2> <p>Losing weight can be influenced by various factors, so don’t get too enthusiastic about the coffee-weight link highlighted in this new study, or increase your coffee intake to unreasonable levels.</p> <p>Most adults can safely consume around <a href="https://www.healthdirect.gov.au/caffeine">400mg</a> of caffeine a day. That’s the equivalent of two espressos or four cups of instant coffee or eight cups of tea.</p> <p>If you are pregnant or breastfeeding, it is important to talk to your doctor before increasing your caffeine intake, because caffeine can be passed through to your growing baby.</p> <p>If you need individualised weight guidance, talk to your GP or visit an <a href="https://member.dietitiansaustralia.org.au/Portal/Portal/Search-Directories/Find-a-Dietitian.aspx">accredited practising dietitian</a>. <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/214954/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em><a href="https://theconversation.com/profiles/lauren-ball-14718">Lauren Ball</a>, Professor of Community Health and Wellbeing, <a href="https://theconversation.com/institutions/the-university-of-queensland-805">The University of Queensland</a> and <a href="https://theconversation.com/profiles/emily-burch-438717">Emily Burch</a>, Dietitian, Researcher & Lecturer, <a href="https://theconversation.com/institutions/southern-cross-university-1160">Southern Cross 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/can-coffee-help-you-avoid-weight-gain-heres-what-the-science-says-214954">original article</a>.</em></p>

Body

Here’s what would happen to your body if you didn’t have your morning coffee

<p><strong>What happens when you skip coffee entirely?</strong></p> <p>Coffee is a morning constant for many, as reliable as the sunrise or the tides. Miss it, and you can feel dazed, confused and even risk a pounding headache. There’s a good reason for that: Caffeine produces some reliable physical changes in your body upon which you can easily become dependent.</p> <p>With that first sip of coffee, caffeine enters your bloodstream and begins making its way to your brain where it blocks an inhibitory neurotransmitter called adenosine, according to the <em>National Academy of Sciences</em>. That, in turn, sets off the release of feel-good hormones like dopamine and serotonin, causing a stimulant effect. Coffee’s so-called half-life – meaning the amount of time it takes for the amount of caffeine in the body to be reduced by 50 per cent – is about five hours on average.</p> <p>That explains why the average energy drink or coffee buzz lasts about that long. But how quickly caffeine leaves your system depends on a number of things, including age, medical conditions, drug interactions and lifestyle habits (like smoking).</p> <p><strong>A shock to the system</strong></p> <p>So, no surprise, when you’re deprived of your morning coffee, you don’t just suffer due to routine alteration. You suffer chemically, too. As anybody who’s kicked their coffee habit will tell you: The side effects can be pretty noticeable and jarring. Some of the more common symptoms of caffeine withdrawal stem from the inherent perks of those multi cups of Joe.</p> <p>Minus the kickstart to your metabolism, you’ll feel tired, sluggish, foggy-headed, and physically delayed, according to a review of studies published in 2020 in <em>StatPearls</em>. Researchers found that the more caffeine you consume, the more severe the withdrawal; but abstinence from even small amounts – we’re talking one cup of coffee per day – also produced symptoms of caffeine withdrawal. They kick in 12 to 24 hours after your last caffeine fix and may last up to nine days, says Dr Sherry A Ross, women’s health expert, author of <em>She-ology: The She-quel. </em></p> <p>“Caffeine is a stimulating drug that some people can easily become addicted to,” she explains. “Depending on the quantity and type of caffeine you are consuming daily, your body type and frequency of consumption can set you up for a caffeine addiction.”</p> <p><strong>Coffee's not all bad</strong></p> <p>Just because you can develop a dependence on your morning jolt doesn’t mean that cup of java belongs on the do-not-consume list. Just the opposite, in fact. A large review of studies published in 2017 in the journal BMJ found that coffee consumption is not only safe for most people (except pregnant women and women who are at an increased risk of fracture), it also provides a number of health benefits, especially for people with chronic liver disease.</p> <p>The review also showed that participants who consistently drank at least three cups of coffee per day had a lower risk of type 2 diabetes, kidney disease, gallstone disease, cancer (including melanoma, leukaemia and prostate, endometrial, oral, and liver cancer), as well as cardiovascular disease, coronary heart disease and stroke as compared with coffee abstainers.</p> <p>The trick, of course, is practicing portion control. The researchers found that the health benefits of coffee top out at three to four cups a day (as compared to none). That echoes the larger caffeine recommendation from the US Food and Drug Administration, which suggests no more than 400 mg of caffeine per day; that’s the amount in about four cups of coffee, 10 cans of cola, or two energy drinks.</p> <p>Image credits: Getty Images</p> <p><em>This article originally appeared on <a href="https://www.readersdigest.com.au/healthsmart/heres-what-would-happen-to-your-body-if-you-didnt-have-your-morning-coffee" target="_blank" rel="noopener">Reader's Digest</a>. </em></p>

Food & Wine

Maccas hit the road with a coffee lovers dream giveaway

<p dir="ltr">McDonald’s are celebrating the 30 year anniversary of the world’s first McCafé - right at home in Melbourne - in style, offering up a special treat for caffeine lovers all along the east coast of Australia. </p> <p dir="ltr">With the McCafé van tour, the party hit the road, and the second stop of the trip gives Sydneysiders a chance to get in on the fun, and to enjoy the benefits of their very own free coffee - all they have to do is swing by Mrs Macquarie’s Chair in the Royal Botanic Garden on Tuesday 30 May between the hours of 5:30am to 2:00pm. </p> <p dir="ltr">And for those who don’t fancy the early start - or simply crave something a little sweeter - have no fear, because McCafé’s all over are introducing the<a href="https://mcdonalds.com.au/menu/birthday-cake-flavoured-latte"> limited-time Birthday Cake flavoured latte</a>. </p> <p dir="ltr">The delicious new treat can be enjoyed both hot and cold to delight all taste buds, and boasts McCafé’s “signature smooth and rich blend combined with delicious cake flavours”. </p> <p dir="ltr">And if there’s one thing McCafé knows, it’s how to make a good coffee, with 1,026 establishments across Australia, and a further 4,000 in 60 other countries. All of which work together to serve more than 230 million cups of coffee - barista made, of course - and other hot drinks each year, with a staggering one in every four coffees sold in Australia coming from none other than a McCafé.</p> <p dir="ltr">“One of the innovations we’re most proud of at McDonald’s Australia is McCafé,” Lancy Huynh - Group Brand Manager for McDonald’s Australia - explained, “a homegrown idea that has turned into a global success.</p> <p dir="ltr">“McCafé changed McDonald’s approach to coffee across the world – inventing a new way of serving our customers and defining what it means to offer great-quality, barista-made coffee in our restaurants.</p> <p dir="ltr">“With over 1,000 locations in Australia, McCafé is now one of the largest coffee retailers in the country, representing an impressive one in every four coffees sold in Australia.</p> <p dir="ltr">“It’s a brand that was created by coffee lovers for coffee lovers, so we are extremely proud to celebrate this milestone with the experts that helped shape it – our customers right here in Australia.”</p> <p dir="ltr">And Sydney isn’t the only city blessed with the opportunity to snag one of those impressive blends during this milestone celebration, with <a href="https://mcdonalds.com.au/sites/mcdonalds.com.au/files/230522_McCafe%CC%81%20celebrates%2030%20years_FINAL%20%281%29.pdf">the van tour set to swing by Brisbane and Townsville in the coming weeks</a>, having already completed its Melbourne run. </p> <p dir="ltr">“We are excited to hit the road and celebrate McCafé’s 30th anniversary with the coffee lovers that helped shape it – our customers right here in Australia,” Lancy Huynh explained. </p> <p dir="ltr">“Over the next few weeks, the McCafé coffee van will give away free coffee … to thank our customers for their loyalty and support over the last 30 years. </p> <p dir="ltr">“We look forward to meeting our customers across the east coast and fuelling them up with our great quality, barista-made coffee.” </p> <p dir="ltr"><em>Images: McDonald’s [supplied]</em></p>

Food & Wine

“Coffee that makes people cry”: Sydney cafe charges $1500 for a single brew

<p>For most people, forking out $5 for a cup of coffee is to be expected, even threatening a daily budget in the midst of Australia’s cost of living crisis. </p> <p>But for one Western Sydney cafe and its wealthier clientele, that $5 has shot to $1500. </p> <p>Penrith’s Brew Lab Cafe is the place to be for coffee lovers seeking Australia’s “rarest coffee” in a unique after-hours experience that’s available by appointment only. </p> <p>As for why the beans set customers back so much, they’re apparently found growing at the base of a Panamanian volcano that’s 1700 metres above sea level, rating well above a 90 - which apparently signifies that they’re some of the best when it comes to coffee beans.</p> <p>And to top it all off, they fly first class. </p> <p>There’s a precise formula behind brewing the coffee, too, with pre-dampened filter paper, water boiled to 94 degrees, and carefully timed “pour over” sessions. It’s intended to be served black, with no additional sweeteners or flavours. </p> <p>“We order it once the customer has,” the cafe’s owner and barista Mitch Johnson told <em>9News</em>. “We then get in contact with the guys in Panama, they’ll roast the order individually, and then they’ll send it over on their private jet.”</p> <p>However, for those hoping for a hit of coffee flavour from their brew, they may find themselves a little disappointed. </p> <p>As Johnson explained, “most people when they drink it, say their first impression is that it's more like a tea than a coffee.”</p> <p>Unsurprisingly, they don’t see an awful lot of people flocking in to hand over $1500, but apparently do get “quite a few coming in once a week to try our $100 or $200 coffees.</p> <p>"It's not rare for us at all. There is an underground coffee scene in Sydney that is actively pursuing exotic brews such as this.”</p> <p>When speaking to <em>The Daily Telegraph</em> about their offering, Johnson added that it wasn’t just about the coffee itself, noting that “this is an after-hours experience, only served one-on-one where we close the doors and talk the person through the process.</p> <p>“This particular coffee, you drink it as it cools down and the flavours change and evolve, giving way to tastes of peach, strawberry, lemonade, rose and juniper.</p> <p>“It’s an exceptional coffee, the kind of coffee that makes people cry, I know that sounds crazy but it’s happened, it’s brought them to tears.”</p> <p><em>Images: 9News / Nine</em></p>

Domestic Travel

Common credit card mistakes to avoid

<p>If you regularly use your credit card, you’ll know how easy it is to plonk down the plastic for your shopping and other purchases. It’s also easy to forget those pesky card payments that follow. </p> <p>Along with the convenience of credit cards comes the danger that your bills can quickly snowball into a major debt that can linger for years if not managed properly. </p> <p>It pays to be aware of the pitfalls of credit cards and ensure you’ve got good habits in place to avoid them as much as possible. The following are a few suggestions:</p> <p><strong>Shop around for the best card deals</strong></p> <p>Don't make the mistake of signing up for the first credit card offer that arrives in your mailbox. Go online and look for the best possible card terms and features to suit you. Credit card rates can vary significantly, depending on the card and type of promotion offered.</p> <p><strong>Rewards programs</strong></p> <p>Following on from the point above, make sure the card you choose provides features you genuinely need and will actively use. Credit card rewards are promoted to make consumers think they’re getting something for free. But when you add up what it costs to earn rewards, a rewards program may not be much of a perk. For instance, credit cards that offer rewards often have much higher interest rates than cards with no rewards.</p> <p><strong>Keep track of your spending</strong></p> <p>While using a credit card sometimes feels like you’re not really spending money, not keeping track of your spending can wreak havoc on your finances. Carry a small notebook or if you’re more tech savvy, use one of the many apps available on your phone to record your purchases so you won't get a nasty shock when you receive your monthly statement. Make sure you check your statements regularly too.</p> <p><strong>Late and minimum payments</strong></p> <p>Credit card payments that aren’t paid on time result in late fees and higher interest rates. Read through your credit card statement carefully so you know when the payment is due. Consider auto-payment facilities or put a recurring note in your calendar each month a few days in advance of your payment due date to ensure you don’t miss it. Most card statements list the date that payments must be received by to avoid penalty interest fees. Ideally, it’s best to pay the full amount every month. Only paying the minimum amount will make the situation worse over time by attracting cumulative interest payment penalties.</p> <p><strong>Using cash advances</strong></p> <p>While they’re a tempting option, cash advances attract higher interest rates and should be used with care.</p> <p><strong>Handle with care!</strong></p> <p>Credit cards can be useful financial tools when used responsibly. Getting into good habits can ensure you take full advantage of the benefits while avoiding the traps.</p> <p><em>Image credit: Shutterstock</em></p>

Money & Banking

13 unusual uses for coffee filters

<p>If you enjoy a cup of the caffeinated stuff of a morning, chances are good you probably have a packet or two of coffee filters knocking around in the pantry. While essential for creating the perfect brew, the simple shape and lint-free design of this beverage essential makes them useful in plenty of other places around the house.</p> <ol> <li>Use them to protect your dishes – Protect your favourite plates or good china from chipping and scratches by slipping a single filter in between each when stacking.</li> <li>Savvy snacking – If you’re serving up something greasy or even a finger food snack, a coffee filter makes the perfect snack bowl. Added bonus? No washing up!</li> <li>Sparkling windows and mirrors – The lint-free design of coffee filters make them perfect for cleaning fragile surfaces.</li> <li>In the garden – When filling up pots with soil, place a filter in the bottom, over the water hole. This allows water to filter through but stops soil seeping out.</li> <li>Smart storage – Lots of loose odds and ends floating around? Corral them all together by using a filter to group similar objects.</li> <li>Clean your screens – Dusty TV or computer screen? A coffee filter is great for grabbing dust and grime from smooth surfaces.</li> <li>The key to micro-sieving – If you’re baking and need a super fine sieve, line your standard utensil with a filter to catch even the smallest particles of food.</li> <li>Ice block savior- Stop sticky fingers in the grandkids by snipping a hole in the centre of a filter and pushing the stick through to create a little “drip dish”.</li> <li>Grease your baking utensils – Ensure a lint free, well-greased surface by using a filter to grease your baking tins or trays.</li> <li>Create spotless glassware – Prevent unsightly streaks by using a filter to dry your glassware.</li> <li>Keep your microwave clean – Use a filter when heating leftovers in the microwave to prevent splatter.</li> <li>Absorb oil – Cooking bacon? Pop the finished product onto a filter to drain away excess oil.</li> <li>Streak free stainless steel – Filters work like magic on stainless steel appliances like your toaster as well as taps and fixtures.</li> </ol> <p><em>Image credits: Getty Images</em></p>

Home & Garden

“It tastes like rich”: Hotel sells $32 coffee with gold sprinkles

<p dir="ltr">At the Emirates Palace in Abu Dhabi, you can treat yourself to a cappuccino for a whopping $32AUD, although you’re not <em>really</em> paying for the coffee alone. </p> <p dir="ltr">The cappuccino, which is found at the hotel’s Le Cafe by the Fountain comes with 23-karat gold sprinkled on top and it has been named the Emirates Palace Golden Cappuccino. </p> <p dir="ltr">The pricey cap is not the only item on the menu that is embellished with gold, with the hotel advertising a camel milk vanilla or chocolate ice cream with a 23-karat gold leaf for $29.</p> <p dir="ltr">In the mood for a cold drink? The Emirates Palace has got you covered with their Hawaiian Candy Colada, a mocktail topped with 23-karat gold flakes for $26. </p> <p dir="ltr">Tourists have shared videos on social media, with one showing a barista shaking a can of gold flakes over a row of cappuccinos, much like one would with the average cocoa powder topping. </p> <p dir="ltr">Another video posted by a worker shows her adding gold flakes with a spoon.</p> <p dir="ltr">One TikToker who got to try the luxurious coffee wrote, “The gold cappuccino was 8/10 but the vibes were 100/10.” </p> <p dir="ltr">One user wrote, “It tastes like rich.”</p> <p dir="ltr">Another agreed, writing “It tastes expensive.” </p> <p dir="ltr">A Canadian coffee content creator, Brodie Vissers, better known as The Nomad Barista online reviewed the hotel’s cappuccino on YouTube. </p> <p dir="ltr">“Our drinks have arrived, I’m a little bit nervous. It used to be 24-karat, now they’ve reduced it to 23-karat but it is still gold sprinkled on this coffee,” he said.</p> <p dir="ltr">“I don’t even know what to expect from this drink,” he said before trying the luxurious drink. </p> <p dir="ltr">“It’s actually not bad. Of course the foam on the latte is not like a perfect flat white or anything. It’s actually not as sweet as I expected. It’s got a nice balance to it. It’s an interesting drink.</p> <p dir="ltr">“We cannot forget about the dates. Having dates with coffee is a very traditional thing here in the Middle East.</p> <p dir="ltr">“Let’s see how that pairs with the latte. Wow, that is so good. I recommend it if you’re around. It’s a kind of unique opportunity here in (Emirates) Palace. What better place to drink coffee with gold on top.”</p> <p dir="ltr"><em>Image credit: Instagram </em></p>

Food & Wine

Prince Harry and Meghan Markle release Christmas card

<p dir="ltr">Prince Harry and Meghan Markle have released their Christmas card which didn’t include their two children.</p> <p dir="ltr">The Christmas card was delivered to Archewell subscribers via email wishing everyone a joyful holiday season.</p> <p dir="ltr">“Wishing you a joyful holiday season,” the card read.</p> <p dir="ltr">“From our family to yours, and on behalf of our teams at The Archewell Foundation, Archewell Audio, and Archwell Productions, we wish you health, peace, and a very happy new year!”</p> <p dir="ltr">However, many pointed out that the card was missing a photo of their children - Archie, 3, and daughter, Lilibet, 1.</p> <p dir="ltr">“I wonder why, as it’s from their family to yours that 2 of their immediate family (children) are missing from the card,” someone wrote.</p> <p dir="ltr">“Where are the children?” another asked.</p> <p dir="ltr">On the other hand, many said that the Christmas card is the Sussexes business one and they may release another with Archie and Lilibet.</p> <p dir="ltr">“This looks to be an official business holiday card not their official family holiday card,” someone pointed out.</p> <p dir="ltr">“That’s their business holiday card. No doubt they’ll have a family card as well. It’s a very common practice,” another wrote.</p> <p dir="ltr">It is believed that Archie and Lilibet were left off the card because of their “basic right to privacy”.</p> <p dir="ltr">Meghan previously spoke about her children’s privacy in the 2021 tell-all interview with Oprah Winfrey about how “comfortable” she is or isn’t sharing photos of her children.</p> <p dir="ltr">“If you’re at work and you have a photograph of your child on your desk, and your co-worker says, ‘Oh, my gosh, your kid’s so cute. That’s fantastic! Can I see your phone so I can see all the pictures of your child?’ You go, ‘No. This is the picture I’m comfortable sharing with you’,” she said.</p> <p dir="ltr">“And then if they double down and say, ‘No, but you already showed me that one. So you have to show me everything. You know what, I’m just gonna hire someone to sit in front of your house, or hide in the bushes and take pictures into your backyard, because you’ve lost your right to privacy … because you shared one image with me’.”</p> <p dir="ltr">She also previously mentioned how she didn’t want her children to be the subject of racial slurs which she claims were used by the British media.</p> <p dir="ltr">“Why would I give the very people that are calling my children the N-word a photo of my child before I can share it with the people that love my child?” Meghan told the <em>Cut</em> back in August.</p> <p dir="ltr"><em>Image: Archwell Productions</em></p>

Family & Pets

Prince and Princess of Wales release family Christmas card!

<p dir="ltr">The Prince and Princess of Wales have released their Christmas card for 2022.</p> <p dir="ltr">The stunning photo shows Prince William and Kate Middleton holding hands with their three children Prince George, 9, Princess Charlotte, 7 and Prince Louis, 4, in the British countryside of Norfolk.</p> <p dir="ltr">All five family members appear to be colour coordinating in white, denim and blue with beaming smiles.</p> <p dir="ltr">The image was taken earlier this year by photographer Matt Porteous, who had joined the family on their tour to the Caribbean.</p> <p dir="ltr">“Sharing a new picture of the family for this year’s Christmas card!” their caption on Instagram read.</p> <p dir="ltr">The photo received almost 2 million likes with many fans wishing the family a Merry Christmas as well as thanking them for sharing the photo.</p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-captioned="" data-instgrm-permalink="https://www.instagram.com/p/CmH_qcOtUx_/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/p/CmH_qcOtUx_/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by The Prince and Princess of Wales (@princeandprincessofwales)</a></p> </div> </blockquote> <p dir="ltr">“Happy Christmas to your family! Thank you for sharing!” someone wrote.</p> <p dir="ltr">“What a great photo of your beautiful family!” another commented.</p> <p dir="ltr">“Beautiful family. Merry Christmas,” someone else wrote.</p> <p dir="ltr">“A beautiful family, have a wonderful Christmas,” another read.</p> <p dir="ltr">Their photo comes just days after <a href="https://oversixty.com.au/lifestyle/family-pets/charles-and-camilla-release-first-christmas-card-as-king-and-queen-consort" target="_blank" rel="noopener">King Charles III and his wife Camilla</a>, the Queen Consort released their Christmas card.</p> <p dir="ltr"><em>Image: Instagram</em></p>

Family & Pets

Charles and Camilla release first Christmas card as King and Queen Consort

<p>For the first time in 70 years, Britain has a new monarch bringing them into the holiday season.</p> <p>The royal family have finally unveiled the 2022 Christmas card, featuring Kings Charles III and his wife Camilla, the Queen Consort.</p> <p>“Wishing you a very Happy Christmas and New Year,” the card said, alongside a photo of the couple at the Braemar Games, a gathering of the Scottish highland games that has been held since 1832. The picture was taken by royal photographer Samir Hussein.</p> <p>This is the second consecutive year that a photograph of Hussein's has been selected for a royal Christmas card.</p> <blockquote class="twitter-tweet"> <p dir="ltr" lang="en">🎄✉️ We’re pleased to share this year’s Christmas Card from The King and The Queen Consort.</p> <p>📸 <a href="https://twitter.com/samhussein?ref_src=twsrc%5Etfw">@samhussein</a>, taken at the Braemar Games in September 2022. <a href="https://t.co/Dzpqf62TWf">pic.twitter.com/Dzpqf62TWf</a></p> <p>— The Royal Family (@RoyalFamily) <a href="https://twitter.com/RoyalFamily/status/1602061165600940032?ref_src=twsrc%5Etfw">December 11, 2022</a></p></blockquote> <p>This year's image was captured on September 3, just five days before Queen Elizabeth II, died at Balmoral Castle.</p> <p>Charles and Camilla's 2021 card featured an image that Hussein took of the couple wearing face masks amid the COVID-19 pandemic. In it, the then Prince of Wales and Duchess of Cornwall were at the Royal Ascot horserace, with Charles helping his wife adjust her mask.</p> <p>Christmas is a major time of year for the royals, with many traditions. In previous years, the Queen would personally deliver gifts to members of the household at Buckingham Palace, donate money to different charities and hand out Christmas puddings.</p> <p><em>Image: Twitter</em></p>

Family & Pets

3 surprising health and beauty benefits of coffee beans

<p>Ah, coffee - who doesn't love to start the day without a cup! You'll be delighted to hear that coffee beans also have a plethora of beneficial uses. For starters, coffee beans can also improve hair and skin.</p> <p><strong>Hello bright eyes</strong></p> <p>These days, lots of trageted eye creams contain caffeine for its ability to decrease puffiness. Failing buying a new cream, why not try and little beauty DIY. Simply soak a cotton pad, ball or some clean gauze in some cool coffee water and relax with it on your eyes for at least 10 minutes but no more than half an hour. </p> <p><strong>Wake up skin</strong></p> <p>Not only can coffee brighten your comlexion, because of antioxidants and acids it has also been shown to diminish fine lines and tighten skin. Combine filtered warm water, coffee grounds, 2 teaspoons of Epsom salts and a bowl and allow to soak for a little while. Then simply wash you face - not only will you get a brightening clean, but the ground will give you a gentle exofliation too.</p> <p><strong>Colour boost</strong></p> <p>This is one for those with brunette hair. To add shine to your hair, make a paste from mixing coffee grounds with water. Simply apply to damp, clean hair and leave for 10 minutes before rinsing.</p> <p><em>Image credits: Getty Images</em></p>

Beauty & Style

Nespresso launches limited-edition festive collection

<p>Nespresso and world-renowned pastry chef and chocolatier Pierre Hermé are thrilled to join forces and announce a limited-edition capsule collection to kick off the festive season. The exclusive coffees and accessories are a celebration of refined tastes and indulgence, representing the best when it comes to tasting pleasures.</p> <p>The limited-edition collaboration builds upon Pierre Hermé’s extensive background as an expert of flavour, bringing to life a collection that focuses on shared moments with friends and family over the festive period.</p> <p>Of all the festive scenes in the world, Parisian design and culinary science is the pinnacle - the lights, the Christmas markets, the extravagant art, the city’s infectious energy - all these make Paris during Christmas a dream. Australians have long looked to Europe for inspiration when it comes to Christmas and with this new collection, Aussies will have the chance to experience Parisian finesse without leaving the country.</p> <p>From the creator of the Haute Pâtisserie, Pierre Hermé’s pastries are at the apex of avant-garde design, skilled technique and refined flavours. Decades of experience beginning with an apprenticeship at age 14 for Gaston Lenôtre, widely considered the father of modern pastry, led to Pierre Hermé being crowned the prestigious title of World’s Best Pastry Chef in 2016.</p> <p>With namesake boutiques and cafés all over the globe, Pierre Hermé’s creativity and sophistication in gastronomy is unparalleled. His unmistakably modern imagination pairs with technique to craft the ultimate coffee for the most discerning of palates – foodies will delight in the complex flavours while rejoicing in the ease of use, all from the comfort of home.</p> <p>If you're a devote Nespresso fan make sure you pick up the limited edition advent calendar. Containing 24 coffees and a surprise gift for the last day. The coffees are a mix of favourites from Nespresso’s permanent range and Pierre Hermé’s co-created limited edition collection. All presented in an exquisite box designed to be reused afterwards.</p> <p>In addition to the limited edition coffee pods, Nespresso have come out with three limited edition coffee machines including: </p> <p><img src="https://oversixtydev.blob.core.windows.net/media/2022/11/Coffee-machines-new.jpg" alt="" width="835" height="414" /></p> <p>The Nespresso | The Pierre Hermé collection is available now in Nespresso boutiques worldwide and online. As with all shared moments, the collection is available for a limited time only and while supplies last.</p> <p>You can check out the beautiful new collection here: </p> <p><em>Images: Supplied</em></p> <p> </p>

Food & Wine

7 signs you’re drinking too much coffee

<h2>You feel anxious</h2> <p>Ruminating about an upcoming event or deadline can fuel your desire to grab a comforting mug of coffee. Yet, the National Institute of Mental Health in the US recommends that people who suffer from anxiety avoid caffeine. Why? Drinking too much coffee can actually worsen the effects of anxiety, either by robbing you of proper sleep or triggering your flight or fight response. In a 1990 study published in Psychosomatic Medicine, 25 men were given a moderate dose of caffeine or a placebo before a stressful task. The men, who were all regular coffee drinkers, had higher blood pressure, stress hormones, and about double the reported stress level with the caffeine compared with the placebo.</p> <h2>Your stomach hurts</h2> <p>You may associate stomach pains with spoiled food or PMS cramps. You should add your morning cuppa to that list as well. In 2017, European scientists found that certain compounds in coffee stimulate the secretion of stomach acid by your stomach cells. Taking an over-counter medication like Tums can neutralise the acid short-term, but if you suspect drinking too much coffee is making your stomach hurt, think about changing your coffee consumption habits.</p> <h2>Your heart is racing</h2> <p>The feeling that your heart is beating too fast can be frightening. It may feel like your heart is trying to escape from your ribcage. These heart palpitations can be caused by the consumption of too much coffee and caffeine, nicotine, and even alcohol. In some cases, a racing heart can lead to dizziness and even fainting spells. According to a 2017 study in the journal Frontiers in Psychiatry, 94 per cent of doctors recommend patients experiencing the fluttering heart beats stop consuming caffeine.</p> <h2>You have diarrhoea</h2> <p>Most people know that coffee can help keep you regular, thanks to its laxative properties. Drink more than two or three cups a day, though, and you might get diarrhoea, according to the International Foundation for Gastrointestinal Disorders. If you find your bathroom issues become unmanageable, the IFFGD recommends gradual withdrawal from caffeine.</p> <h2>You can’t sleep</h2> <p>Insomnia can be a telltale sign of too much coffee. Even if you swear coffee doesn’t have any effect on you, this tasty drink can still wreak havoc on your sleep cycle. Coffee’s half-life is five hours, according to the American Academy of Sleep Medicine. That means it can take several more hours for the stimulant to completely leave your system. This can increase the number of times you wake up during the night, and decrease overall time asleep. To solve this problem, try to drink that last cup of coffee no later than noon.</p> <h2>You’ve got the jitters</h2> <p>Coffee makes you feel more alert, but sometimes that feeling turns into too much of a good thing. This is where the jitters come in. Caffeine speeds up your central nervous system, causing you to feel jumpy. Skip that fourth cup and stop the shakes.</p> <h2>You get headaches</h2> <p>A moderate amount of caffeine helps relieve a headache, by helping pain-relief medications work better, according to a study in The Journal of Headache and Pain. That’s why you’ll find caffeine as an ingredient in many over-the-counter headache drugs. However, if you drink too much coffee for a sustained amount of time (getting a daily excess of 500 mg of caffeine, or the equivalent of five cups of coffee), you can go through caffeine withdrawal. The symptoms include headaches and fatigue, found Johns Hopkins researchers. Slowly decrease your caffeine intake – and look at all the possible sources in your diet, including coffee, headache drugs, tea, soft drink, and energy drinks.</p> <p><strong>This article originally appeared on <a href="https://www.readersdigest.com.au/healthsmart/7-signs-youre-drinking-too-much-coffee" target="_blank" rel="noopener">Reader's Digest</a>. </strong></p> <p><em>Image: Shutterstock</em></p>

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