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"He's a good kid": Teen fisherman's boss defends young millionaire

The former boss of teenager fisherman Keegan Payne has spoken out in support of the new millionaire, just days after Peter Stefanovic and Sky News were slammed for a "harsh" interview. On Wednesday, Stefanovic made headlines after he used his <a href="https://oversixty.com.au/finance/legal/peter-stefanovic-slammed-for-harsh-question-to-young-million-dollar-winner" target="_blank" rel="noopener">interview</a> with 19-year-old Payne, who had just won a million dollars in a fishing competition in the Northern Territory, to quiz the young man about a petty crime he committed when he was 16. "There is a claim online that you stole a Polaris Ranger and Polaris quad that you and your friends stole and damaged from a business a few years back, first of all, is that true?" Stefanovic asked from his Sydney studio during the live interview. Payne, who was speaking from the Darwin, simply answered, "Yes". Payne explained he and his friends "were young", and "weren't thinking at the time" but having come up with the idea they "went for it". Stefanovic asked Payne if he regretted the act and he said he did "big time". The interview was widely condemned online, with many saying Stefanovic "ripped the carpet from underneath" Payne and chose to focus on a past mistake rather than celebrate his life-changing win. The backlash to the interview prompted both Stefanovic and Sky News to issue an apology to Keegan, saying he "regrets" his line of questioning. “An apology from me, last Wednesday we invited Keegan Payne onto our show to discuss his win in the Million Dollar Fish competition in the Northern Territory,” Stefanovic said during First Edition on Monday. “During that interview I asked him about a theft that had occurred several years earlier. I should not have asked him about those claims and I regret doing so. “I apologise sincerely to Keegan and his family.” Now, the teenage fisherman's former boss, Bob Cavanagh, has spoken out in defence of Keegan, saying "he is a good kid" who had a lapse of better judgement. Cavanagh ran the business that Payne stole the vehicles from a few years ago, but said he does not hold a grudge and holds no ill will to the teenager. “He’s a good kid who made a mistake,” Cavanagh told the <a href="https://www.dailymail.co.uk/news/article-13384033/Keegan-Payne-Peter-Stefanovic-fishing-Bob-Cavanagh.html">Daily Mail</a>. “What was meant to be a celebratory moment was stolen from him. I’m glad he [Stefanovic] apologised to Keegan, he deserved that apology.” Cavanagh said he believes Stefanovic has learnt a lesson. “We all make mistakes and I bet he regrets it,’ he said. ‘The fact that he’s come out and apologised to Keegan and his family, I think he’s realised he’s overstepped the mark.” After his big win, Keegan offered to pay back the stolen vehicles. “Out of the blue this morning, his father rang me and said, ‘Keegan wants to repay you’, and you could have knocked me down with a feather,” Cavanagh said. “He said Keegan has always felt so terrible for what he did.” Image credits: Facebook <p style="box-sizing: inherit; margin: 0px 0px 24px; padding: 0px; border: 0px; font-stretch: inherit; line-height: inherit; font-size-adjust: inherit; font-kerning: inherit; font-variant-alternates: inherit; font-variant-ligatures: inherit; font-variant-numeric: inherit; font-variant-east-asian: inherit; font-variant-position: inherit; font-feature-settings: inherit; font-optical-sizing: inherit; font-variation-settings: inherit; vertical-align: baseline;">

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When is it a good idea to get a property appraisal?

In the fast-paced world of real estate, finding a space that truly reflects your essence and aspirations can feel like searching for a needle in a haystack. Enter <a href="https://go.linkby.com/PXROBQFZ" target="_blank" rel="noopener">Atlas by LJ Hooker</a>. At the heart of Atlas lies a profound understanding that a home is not merely a structure; it's a canvas upon which individuals paint their dreams and express their identities. This ethos is beautifully encapsulated in their brand message: "We understand that a home is so much more than real estate; it's a place to truly express yourself, to live the life you envision." What sets Atlas apart is its unwavering commitment to personalised service – especially when it comes to <a href="https://go.linkby.com/PXROBQFZ" target="_blank" rel="noopener">free property appraisals</a>. Unlike traditional real estate agencies, Atlas doesn't believe in a one-size-fits-all approach. Instead, they empower sellers to curate their own narrative, choosing elements of the brand that resonate with their unique lifestyle. Whether it's a sleek urban penthouse or a sprawling countryside estate, Atlas offers highly tailored marketing strategies that serve as a personal reflection of the property and its inherent allure. For those ready to embark on the journey of <a href="https://go.linkby.com/PXROBQFZ" target="_blank" rel="noopener">having their property appraised</a> – whether you're contemplating a sale, gauging investment opportunities, or simply curious about your net worth – Atlas offers a seamless pathway to success, as well as comprehensive advice on the potential benefits. At the core of any property appraisal lies a quest for insight into the local property market's heartbeat. Has your neighbourhood witnessed fluctuations in property values? Have recent renovations added significant value to your home? Are you considering upsizing, downsizing, or entering the investment realm? Or perhaps you're merely eager to unveil the hidden potential nestled within your property's walls. From the size of your property to the nuances of its structure and condition, every facet contributes to the appraisal process. Agents meticulously scrutinise elements such as property size, bedroom configurations, fixtures and fittings, offering valuable insights into your property's market positioning. Beyond tangible attributes, location exerts a profound influence on property values. Agents dissect the neighbourhood fabric, examining proximity to amenities, school catchments and transport accessibility. Additionally, factors like building structure, overall presentation and ease of access shape the appraisal narrative, underscoring the intricate interplay between tangible and intangible elements. The crucial distinction: Valuations vs. Appraisals It's imperative to <a href="https://go.linkby.com/PXROBQFZ/understanding-property-appraisals/" target="_blank" rel="noopener">discern between property valuations and appraisals</a>. While valuations offer an independent assessment of a property's value by certified valuers, appraisals provide a nuanced perspective shaped by local market dynamics and agent expertise. Embarking on the path to a property appraisal is easy. Simply <a href="https://go.linkby.com/PXROBQFZ" target="_blank" rel="noopener">book a consultation</a>, relax as they navigate through the intricacies of your property, and await their expert assessment. Armed with the insights garnered from your property appraisal, you're now equipped to chart your next course of action. Whether it's embarking on home improvements, contemplating a sale or recalibrating your financial portfolio, the appraisal serves as your guiding light. In a landscape defined by constant flux, the value of knowledge cannot be overstated. A property appraisal isn't merely a transactional ritual; it's a journey towards financial empowerment and informed decision-making. So, whether you're contemplating a sale or simply curious about your property's worth, take that pivotal step towards unlocking the true value of your home. After all, in the realm of real estate, knowledge is indeed power. For more information or to book your own <a href="https://go.linkby.com/PXROBQFZ" target="_blank" rel="noopener">free property appraisal, click here</a>.

Real Estate

"Not good enough": Karl takes aim at airline cancellation

Karl Stefanovic has ripped into Aussie airline Bonza, who cancelled all their flights at the last minute and left people stranded all across the country. One of the travellers who were left abandoned was Tracy Hilbert, who was due to fly out of Melbourne on Tuesday morning to see her family after her father suddenly died on Monday night. However, instead of being with her mother and brother, she instead spent the day stuck inside the airport after a fellow passenger informed her their flight had been cancelled with no warning. Tracy spoke to Karl Stefanovic and Sarah Abo on Today to share how let down she felt by the airline, as they failed to communicate the cancellation with their customers. “I text my husband. He said, ‘yes, it’s been cancelled’ and sent me all the details,” Ms Hilbert told Today. “Then the crew came in and about a 5.45am they said that it’s been cancelled.” Ms Hilbert fought back tears as she told Karl and Sarah the heartbreaking reason why she was so desperate to make her flight. “I’ve actually had my father pass away last night, so I needed to get up there because my brother text me and said that he’s not in a good way.” Ms Hilbert’s husband quickly booked her a flight with the budget airline last night, not realising that as of this morning, services will be “temporarily suspended”. “I’ve never had this problem with them before,” Ms Hilbert said. “It’s only a two-hour flight but now it’s going to take me all day to get up there.” Thankfully for Ms Hilbert, along with thousands of other stranded passengers, Virgin and Jetstar said those who were affected by the cancellation would be assisted to get to their destination. “We are aware of the temporary suspension of Bonza flights,” Virgin posted on X. “We will immediately support any passengers stranded mid-journey by offering complimentary seats on Virgin Australia-operated flights to the airport nearest to their final planned Bonza destination.” While wondering if she would receive a refund for her cancelled flight, Ms Hilbert said she was frustrated with the lack of communication with Bonza, saying, "You can’t talk to anybody, it’s all through emails.” Ms Hilbert said it’s all been “very hard” as she should have been with her mother, brother and other family now. “Oh, sweetheart. Hey, Tracy, we’ll let you go,” Karl quickly responded as Ms Hilbert continued to break down in tears. “Obviously there’s going to be a lot of people who are inconvenienced. You’re inconvenienced in a whole lot more emotional away. And it’s such a big thing for you to be handling right now. And we’re so sorry for your loss.” Karl hit out at the airline saying the very least they can do is communicate with travellers who have been left in the lurch. “It’s not good enough just to say something is cancelled. They might be going through the most, you know, horrible business morning of their lives, but that shouldn’t stop you from communicating with people." “It’s just a basic human necessity. And especially for people like Tracy.” On Tuesday, Bonza CEO Tim Jordan said services will be “temporarily suspended” while discussions surrounding the “viability of the business” take place. Image credits: Today

Travel Trouble

Good news: midlife health is about more than a waist measurement. Here’s why

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/rob-newton-12124">Rob Newton</a>, <a href="https://theconversation.com/institutions/edith-cowan-university-720">Edith Cowan University</a> You’re not in your 20s or 30s anymore and you know regular health checks are important. So you go to your GP. During the appointment they measure your waist. They might also check your weight. Looking concerned, they recommend some lifestyle changes. GPs and health professionals commonly <a href="https://theconversation.com/the-body-mass-index-cant-tell-us-if-were-healthy-heres-what-we-should-use-instead-211190">measure waist circumference</a> as a vital sign for health. This is a better indicator than body mass index (BMI) of the amount of intra-abdominal fat. This is the really risky fat around and within the organs that can drive heart disease and metabolic disorders such as type 2 diabetes. Men are at greatly increased risk of health issues if their waist circumference is <a href="https://www.bmj.com/content/311/7017/1401">greater than 102 centimetres</a>. Women are considered to be at greater risk with a waist circumference of <a href="https://www.bmj.com/content/311/7017/1401">88 centimetres or more</a>. More than <a href="https://www.abs.gov.au/statistics/health/health-conditions-and-risks/waist-circumference-and-bmi/latest-release">two-thirds of Australian adults</a> have waist measurements that put them at an increased risk of disease. An even better indicator is waist circumference divided by height or <a href="https://www.baker.edu.au/news/in-the-media/waist-height-ratio#:%7E:text=According%20to%20research%2C%20a%20healthy,the%20highest%20risk%20of%20disease.">waist-to-height ratio</a>. But we know people (especially women) have a propensity to <a href="https://www.ajog.org/article/S0002-9378(19)30588-5/abstract">gain weight around their middle during midlife</a>, which can be very hard to control. Are they doomed to ill health? It turns out that, although such measurements are important, they are not the whole story when it comes to your risk of disease and death. <h2>How much is too much?</h2> Having a waist circumference to height ratio larger than 0.5 is associated with greater risk of chronic disease as well as premature death and this applies in adults of any age. A healthy waist-to-height ratio is between 0.4 to 0.49. A ratio of 0.6 or more <a href="https://www.baker.edu.au/news/in-the-media/waist-height-ratio#:%7E:text=According%20to%20research%2C%20a%20healthy,the%20highest%20risk%20of%20disease">places a person at the highest risk of disease</a>. Some experts recommend <a href="https://www.nature.com/articles/s41574-019-0310-7">waist circumference be routinely measured in patients during health appointments</a>. This can kick off a discussion about their risk of chronic diseases and how they might address this. Excessive body fat and the associated health problems manifest more strongly during midlife. A range of social, personal and physiological factors come together to make it more difficult to control waist circumference as we age. Metabolism tends to slow down mainly due to decreasing muscle mass because people do <a href="https://onlinelibrary.wiley.com/doi/10.1002/jcb.25077">less vigorous physical activity, in particular resistance exercise</a>. For women, hormone levels begin changing in mid-life and this also <a href="https://www.tandfonline.com/doi/full/10.3109/13697137.2012.707385">stimulates increased fat levels particularly around the abdomen</a>. At the same time, this life phase (often involving job responsibilities, parenting and caring for ageing parents) is when elevated stress can lead to <a href="https://journals.lww.com/psychosomaticmedicine/abstract/2000/09000/stress_and_body_shape__stress_induced_cortisol.5.aspx">increased cortisol which causes fat gain in the abdominal region</a>. Midlife can also bring poorer sleep patterns. These contribute to fat gain with <a href="https://journals.plos.org/plosmedicine/article?id=10.1371/journal.pmed.0010062">disruption to the hormones that control appetite</a>. Finally, your family history and genetics can <a href="https://journals.plos.org/plosgenetics/article?id=10.1371/journal.pgen.1002695">make you predisposed to gaining more abdominal fat</a>. <h2>Why the waist?</h2> This intra-abdominal or visceral fat is much more metabolically active (it has a greater impact on body organs and systems) than the fat under the skin (subcutaneous fat). Visceral fat surrounds and infiltrates major organs such as the liver, pancreas and intestines, releasing a variety of chemicals (hormones, inflammatory signals, and fatty acids). These affect inflammation, lipid metabolism, cholesterol levels and insulin resistance, <a href="https://academic.oup.com/eurheartjsupp/article/8/suppl_B/B4/461962">contributing to the development of chronic illnesses</a>. The issue is particularly evident <a href="https://www.ajog.org/article/S0002-9378(19)30588-5/abstract">during menopause</a>. In addition to the direct effects of hormone changes, <a href="https://www.sciencedirect.com/science/article/pii/S0960076013001118?via%3Dihub">declining levels of oestrogen change brain function, mood and motivation</a>. These psychological alterations can result in reduced physical activity and increased eating – often of comfort foods high in sugar and fat. But these outcomes are not inevitable. Diet, exercise and managing mental health can limit visceral fat gains in mid-life. And importantly, the waist circumference (and ratio to height) is just one measure of human health. There are so many other aspects of body composition, exercise and diet. These can have much larger influence on a person’s health. <h2>Muscle matters</h2> The quantity and quality of skeletal muscle (attached to bones to produce movement) a person has makes a <a href="https://www.nature.com/articles/nrendo.2012.49">big difference</a> to their heart, lung, metabolic, immune, neurological and mental health as well as their physical function. On current evidence, it is equally or more important for health and longevity to <a href="https://www.bmj.com/content/345/bmj.e7279">have</a> higher muscle mass and better cardiorespiratory (aerobic) fitness than waist circumference within the healthy range. So, if a person does have an excessive waist circumference, but they are also sedentary and have less muscle mass and aerobic fitness, then the recommendation would be to focus on an appropriate exercise program. The fitness deficits should be addressed as priority rather than worry about fat loss. Conversely, a person with low visceral fat levels is not necessarily fit and healthy and may have quite poor aerobic fitness, muscle mass, and strength. <a href="https://bjsm.bmj.com/content/45/6/504">The research evidence</a> is that these vital signs of health – how strong a person is, the quality of their diet and how well their heart, circulation and lungs are working – are more predictive of risk of disease and death than how thin or fat a person is. For example, a <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC5510687/">2017 Dutch study</a> followed overweight and obese people for 15 years and found people who were very physically active had no increased heart disease risk than “normal weight” participants. <h2>Getting moving is important advice</h2> Physical activity has many benefits. Exercise can counter a lot of the negative behavioural and physiological changes that are occurring during midlife including for people going through menopause. And regular exercise reduces the tendency to use food and drink to help manage what can be a <a href="https://journals.lww.com/acsm-msse/fulltext/2008/05000/physical_activity,_sedentary_index,_and_mental.7.aspx">quite difficult time in life</a>. Measuring your waist circumference and monitoring your weight remains important. If the measures exceed the values listed above, then it is certainly a good idea to make some changes. Exercise is effective for fat loss and in particular <a href="https://bjsm.bmj.com/content/57/16/1035">decreasing visceral fat</a> with greater effectiveness when <a href="https://bmcwomenshealth.biomedcentral.com/articles/10.1186/s12905-019-0864-5">combined with dietary restriction of energy intake</a>. Importantly, any fat loss program – whether through drugs, diet or surgery – is also a muscle loss program unless resistance exercise is part of the program. Talking about your overall health with a doctor is a great place to start. <a href="https://www.essa.org.au/Public/Public/Searches/find-aep-withdistance.aspx">Accredited exercise physiologists</a> and <a href="https://member.dietitiansaustralia.org.au/Portal/Portal/Search-Directories/Find-a-Dietitian.aspx">accredited practising dietitians</a> are the most appropriate allied health professionals to assess your physical structure, fitness and diet and work with you to get a plan in place to improve your health, fitness and reduce your current and future health risks.<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/226019/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/rob-newton-12124">Rob Newton</a>, Professor of Exercise Medicine, <a href="https://theconversation.com/institutions/edith-cowan-university-720">Edith Cowan University</a> Image credits: Getty Images 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/good-news-midlife-health-is-about-more-than-a-waist-measurement-heres-why-226019">original article</a>. </div>

Body

Outpouring of support for baby girl after Bondi tragedy

The heart-wrenching events that unfolded during Saturday's Bondi massacre shook not just Sydney, but all of Australia. Amid the sorrow and shock, however, there emerged a glimmer of hope and solidarity as Australians united to support the victims, particularly a nine-month-old baby girl named Harriet, who became a symbol of resilience in the face of tragedy. Harriet, the daughter of Ashlee Good, tragically lost her mother in the Bondi Westfield shopping centre attack perpetrated by Joel Cauchi. Ashlee, described by friends and family as a radiant presence, lost her life while heroically protecting her beloved daughter from the assailant's violence. The infant, Harriet, sustained stab wounds and was rushed to Sydney Children’s Hospital in critical condition. Thankfully, she has since been stabilised and moved out of ICU, but remains under close medical care. In response to this harrowing ordeal, the Australian community swiftly rallied together, demonstrating an outpouring of compassion and generosity. Within a mere three days, a <a href="https://www.gofundme.com/f/Ash-Good" target="_blank" rel="noopener">GoFundMe campaign</a> surpassed its initial goal of $100,000 by raising over $535,000 for Harriet's support. The fundraiser, initiated to alleviate the financial burdens faced by Harriet and her father, Dan, garnered support from both loved ones and strangers alike, reflecting the nation's collective grief and determination to provide solace in any way possible. The sentiments expressed within the fundraiser encapsulated the profound loss felt by those who knew Ashlee and the unwavering commitment she had to her family. "Our hearts were broken beyond comprehension as we learned of the tragic loss of our beautiful friend, Ash, in the stabbing attack at Westfield Bondi Junction on Saturday afternoon," it reads. "Ash was a ray of sunshine and positivity in every aspect of her life and died a hero saving her little girl from the most unspeakable evil. "We have been overwhelmed by requests from loved ones and strangers wanting to support Dan and Harriet as they face life without their beloved Ash. Being a mother to baby Harriet and partner to Dan was Ash’s whole life. Her love and commitment to them was evident to all who knew her. We are united in our devastation that her bright future was cut short in this way. Her beautiful and warm spirit, drive and energy inspired us all." Ashlee's radiant spirit, her boundless love for her daughter and partner, and her selfless act of sacrifice resonated deeply with all who encountered her. The profound impact of the Bondi massacre extended beyond the immediate victims, as the entire nation mourned the loss of innocent lives and grappled with the senseless violence that shattered a community. The victims, including Yixuan Cheng, Pikria Darchia, Dawn Singleton, Faraz Tahir, Jade Young, and Ashlee Good, were remembered not just as statistics but as individuals whose lives were tragically cut short. The makeshift memorial at Bondi Junction served as a powerful symbol of remembrance and solidarity, adorned with an abundance of flowers and heartfelt messages from those touched by the tragedy. Friends and family of Ashlee Good gathered at the memorial, finding solace in the outpouring of support from their community. As the healing process begins, the ongoing support for Harriet and her family serves as a testament to the strength of community bonds and unwavering compassion. Images: Nine News

Caring

"Incredibly relieving" update on baby injured in Bondi stabbing

The youngest victim of the <a href="https://www.oversixty.com.au/health/caring/family-of-bondi-killer-break-silence" target="_blank" rel="noopener">stabbing spree</a> at Bondi Junction Westfield is in a stable condition after her mother, Ashlee Good, 38, died protecting her. The nine-month-old underwent emergency surgery to save her life after being stabbed and on Monday morning NSW Health Minister Ryan Park confirmed that her condition has improved from critical to serious but stable. “I speak on behalf of the entire nation who held its breath over the weekend that (the) young nine month old girl who went to Sydney Children’s Hospital is now in a serious, stable condition,” he told 2GB. “So she’s come down from critical. “There is a chance over the course of the next day that she’ll be moved on to a ward. Now that is incredibly relieving, I think, for our country." Her mother, was among was among the six people killed by Joel Cauchi, 40, during the attack. After they had been attacked, Good thrust her young bub into the arms of a bystander. A man and his brother helped take care of the baby until help arrived. "The mum got stabbed and... came over with the baby and threw it at me and [I] was holding the baby," the man told Nine News at the time. The man's brother told the publication: "He helped with holding the baby and trying to compress the baby and same with the mother. "We just kept yelling out to get some clothes, get some shirts and just help us to compress and stop the baby from bleeding. "With my brother holding the baby so well and really compressing, I think the baby's fine." Good was the daughter of former Australian Football League player Kerry Good, who played for North Melbourne. On Sunday, her family shared a statement thanking everyone for their support and paid tribute to the two men who "cared for our baby when Ashlee could not". “We appreciate the well-wishes and thoughts of members of the Australian public who have expressed an outpouring of love for Ashlee and our baby girl," they said. Good has been <a href="https://www.oversixty.com.au/health/caring/royals-issue-heartfelt-statement-after-bondi-attack" target="_blank" rel="noopener">remembered</a> as "a beautiful mother, daughter, sister, partner, friend, all-round outstanding human." According to the NSW health minister, the condition of the eight victims who remain in hospital varied from critical to stable. Image: news.com.au/ Sydney Morning Herald

Caring

Eating some chocolate really might be good for you – here’s what the research says

<a href="https://theconversation.com/profiles/dan-baumgardt-1451396">Dan Baumgardt</a>, <a href="https://theconversation.com/institutions/university-of-bristol-1211">University of Bristol</a> Although it always makes me scoff slightly to see Easter eggs making their first appearance in supermarkets at the end of December, there are few people who aren’t delighted to receive a bit of chocolate every year. It makes sense that too much chocolate would be bad for you because of the high fat and sugar content in most products. But what should we make of common claims that eating some chocolate is actually good for you? Happily, there is a fair amount of evidence that shows, in the right circumstances, chocolate may be both beneficial for your heart and good for your mental state. In fact, chocolate – or more specifically cacao, the raw, unrefined bean – is a medicinal wonder. It contains many different active compounds which can evoke pharmacological effects within the body, like medicines or drugs. Compounds that lead to neurological effects in the brain have to be able to cross the <a href="https://link.springer.com/chapter/10.1007/978-3-642-13443-2_7">blood-brain barrier</a>, the protective shield which prevents harmful substances – like toxins and bacteria – entering the delicate nervous tissue. One of these is the compound <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC3672386/">theobromine</a>, which is also found in tea and contributes towards its bitter taste. Tea and chocolate also contain caffeine, which theobromine is related to as part of the purine family of chemicals. These chemicals, among others, contribute to chocolate’s addictive nature. They have the ability to cross the blood-brain barrier, where they can influence the nervous system. They are therefore known as <a href="https://pubmed.ncbi.nlm.nih.gov/15549276/">psychoactive</a> chemicals. <figure><iframe src="https://www.youtube.com/embed/HloqayQdR6M?wmode=transparent&start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe></figure> What effects can chocolate have on mood? Well, <a href="https://academic.oup.com/nutritionreviews/article/71/10/665/1931144?login=false">a systematic review</a> looked at a group of studies which examined the feelings and emotions associated with consuming chocolate. Most demonstrated improvements in mood, anxiety, energy and states of arousal. Some noted the feeling of guilt, which is perhaps something we’ve all felt after one too many Dairy Milks. <h2>Health benefits of cocoa</h2> There are other organs, aside from the brain, that might benefit from the medicinal effects of cocoa. For centuries, chocolate has been used as a medicine to treat a <a href="https://pubmed.ncbi.nlm.nih.gov/10917925/">long list of diseases</a> including anaemia, tuberculosis, gout and even low libido. These might be spurious claims but there is evidence to suggest that eating cacao has a positive effect on the cardiovascular system. First, it can prevent <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC8068178/">endothelial dysfunction</a>. This is the process through which arteries harden and get laden down with fatty plaques, which can in turn lead to heart attacks and strokes. Eating dark chocolate may also reduce <a href="https://www.sciencedirect.com/science/article/pii/S1537189115001135?via%3Dihub">blood pressure</a>, which is another risk factor for developing arterial disease, and prevent formation of clots which block up blood vessels. <figure><iframe src="https://www.youtube.com/embed/8VUcPCbSSCY?wmode=transparent&start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe></figure> Some studies have suggested that dark chocolate might be useful in adjusting ratios of <a href="https://pubmed.ncbi.nlm.nih.gov/20968113/">high-density lipoprotein cholesterol</a>, which can help protect the heart. Others have examined insulin resistance, the phenomenon associated with Type 2 diabetes and weight gain. They suggest that the <a href="https://www.sciencedirect.com/science/article/pii/S0963996900000697#:%7E:text=Cocoa%20is%20rich%20in%20polyphenols%20particularly%20in%20catechins,and%20cocoa%20powder%20have%20been%20published%20only%20recently.">polyphenols</a> – chemical compounds present in plants – found in foodstuffs like chocolate may also lead to <a href="https://pubmed.ncbi.nlm.nih.gov/29993262/">improved control of blood sugars</a>. <h2>Chocolate toxicity</h2> As much as chocolate might be considered a medicine for some, it can be a poison for others. It’s well documented that the ingestion of caffeine and theobromine is highly toxic for domestic animals. Dogs are <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC4801869/">particularly affected</a> because of their often voracious appetites and generally unfussy natures. The culprit is often dark chocolate, which can provoke symptoms of agitation, rigid muscles and even seizures. In certain cases, if ingested in high enough quantities, it can lead to comas and abnormal, even fatal heart rhythms. Some of the compounds found in chocolate have also been found to have potentially negative effects in humans. Chocolate is a source of oxalate which, along with calcium, is one of the main components of <a href="https://pubmed.ncbi.nlm.nih.gov/20301742/">kidney stones</a>. Some clinical groups have advised against consuming oxalate rich foods, such as spinach and rhubarb – and chocolate, for those who suffer from recurrent kidney stones. So, what should all this mean for our chocolate consumption habits? Science points in the direction of chocolate that has as high a cocoa solid content as possible, and the minimum of extras. The potentially harmful effects of chocolate are more related to fat and sugar, and may counteract any possible benefits. A daily dose of 20g-30g of plain or dark chocolate with cocoa solids above 70% – rather than milk chocolate, which contains fewer solids and white chocolate, which contains none – could lead to a greater health benefit, as well as a greater high. But whatever chocolate you go for, please don’t share it with the dog.<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/226759/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/dan-baumgardt-1451396">Dan Baumgardt</a>, Senior Lecturer, School of Physiology, Pharmacology and Neuroscience, <a href="https://theconversation.com/institutions/university-of-bristol-1211">University of Bristol</a> Image credits: Getty Images 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/eating-some-chocolate-really-might-be-good-for-you-heres-what-the-research-says-226759">original article</a>.

Body

Is hyaluronic acid as effective as skincare brands claim?

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

Beauty & Style

Sunscreen: why wearing it even in winter could be a good idea

<a href="https://theconversation.com/profiles/karl-lawrence-404481">Karl Lawrence</a>, <a href="https://theconversation.com/institutions/kings-college-london-1196">King's College London</a> Sunscreen has taken centre stage in many skincare routines, especially among those hoping to prevent visible signs of ageing. But while it makes sense to wear sunscreen every day in the summer when the sun’s rays are most powerful, many may wonder whether there’s any benefit of wearing sunscreen daily in the winter months. The sun’s radiation can reach us during all times of the year. This means that in both summer and winter, we are exposed to infrared radiation, as well as UVA and UVB rays. UVB is mainly responsible for sunburn and DNA damage – and can also <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC3709783/">cause skin cancers</a> as a result of long-term exposure. UVA radiation does contribute to these processes somewhat, but it’s less effective at doing so. UVA can penetrate deeper into the skin, however, which can damage the collagen – a key part of the skin that keeps it firm and elastic. This can cause the <a href="https://pubmed.ncbi.nlm.nih.gov/25234829/">skin to age faster</a>, leading to wrinkles, fine lines and changes in pigmentation. The amount of UVA and UVB radiation that reaches the Earth’s surface changes across the seasons. This is due to the angle of the Sun in the sky, as well as other factors such as latitude and time of day. For example, let’s compare how <a href="https://onlinelibrary.wiley.com/doi/full/10.1111/php.12422">UVA and UVB radiation varies</a> at solar noon in London, UK and Kuala Lampur, Malaysia (which is near the equator). In latitudes closer to the equator (such as in Kuala Lampur), the amount of UVA and UVB radiation throughout the year remains fairly consistent. But in higher latitudes, such as London, there’s almost no UVB radiation throughout the winter months – whereas there’s still some UVA radiation. Not only that, but people living further from the equator may tend to spend less time exposed to the Sun in winter due to the colder temperatures and variable weather. And when they do go outside, they may cover their skin up – usually leaving only their face exposed to the Sun for much shorter periods of time. But UVA radiation can still penetrate through clouds and windows. While our exposure to these rays is probably minimal, skin damage from UV exposure is <a href="https://www.sciencedirect.com/science/article/pii/S0079610706000162">accumulated over decades</a>, so anything that can be done to reduce exposure (and damage) over time may be beneficial. This is also true of UVB exposure – although it is less relevant in winter months at higher latitudes. This may be where daily sunscreen use during the winter is still of benefit. Sunscreens are formulated to reduce exposure to <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC6978633/">both UVB and UVA rays</a> – although they are usually more effective at reducing exposure to UVB radiation. They have been designed in this way to prevent the most damaging effects of the Sun, such as sunburn and DNA damage. The impact of exposure to UVA radiation has only been considered more recently. Numerous studies have shown regular sunscreen use over many years is effective at <a href="https://onlinelibrary.wiley.com/doi/10.1111/phpp.12109">preventing skin damage</a>, photoaging and skin cancers. The most robust trials suggest daily sunscreen use is most effective, but this will be dependent on the factors discussed above. <h2>The effects of altitude and snow</h2> One place where winter sunscreen use is especially important is when skiing or snowboarding – or when you’re otherwise going to be outside for extended periods of time, at higher altitudes on snow-covered mountains. Both altitude and snow can increase the doses of <a href="https://www.who.int/news-room/questions-and-answers/item/radiation-ultraviolet-(uv)">UVA and UVB radiation</a> a person receives. Snow can reflect up to 80% of UV radiation emitted by the Sun – effectively almost doubling the doses received. Also, for every 1,000-foot increase in altitude, there’s a 10% increase in UV exposure. This is why it’s essential to protect the skin and eyes by wearing sunscreen, protective clothing and sunglasses that block both types of UV ray. This is also true when spending time in snowy environments, such as when hiking or skating. Sunscreens are generally regarded as safe and tend to have few adverse effects, so you don’t need to worry too much about wearing one throughout the year. However, there are some points to consider, especially if you have skin conditions. For example, sunscreen can <a href="https://www.byrdie.com/does-sunscreen-cause-acne-or-help-it-7546147">exacerbate acne</a> and cause <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC7759112/">irritation and allergic reactions</a> – although these are rare. There are also emerging concerns from regulatory agencies about the <a href="https://jamanetwork.com/journals/jama/fullarticle/2759002">absorption of UV filters into the body</a>. However, the consequences of such absorption and the potential affects on health are not well defined and require more research. Still, the benefits of sunscreen have been widely demonstrated – as has their safety. So if you want to prevent premature signs of ageing, it’s important to use sunscreen at all times you may be exposed to the Sun – especially in the summer months. While the benefits of wearing sunscreen in winter are less well defined, there’s probably no harm in wearing one if you want to. If you decide to use sunscreen in winter, use ones that have broad spectrum five-star UVA protection. For day-to-day use, high SPF sunscreens are unlikely to provide a large benefit, particularly if spending only short periods outside. However, if skiing, a <a href="https://www.jaad.org/article/S0190-9622(17)31086-1/fulltext">high-SPF sunscreen</a> with five-star UVA protection would be beneficial.<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/219640/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/karl-lawrence-404481">Karl Lawrence</a>, Research fellow, <a href="https://theconversation.com/institutions/kings-college-london-1196">King's College London</a> Image credits: Getty Images 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/sunscreen-why-wearing-it-even-in-winter-could-be-a-good-idea-219640">original article</a>.

Beauty & Style

Hamish Blake shares major health scare

Hamish Blake has shared the details of a drastic health that resulted in surgery and a series of stitches on his face. The TV presenter took to Instagram to share the news with his followers, revealing that he had to have a skin cancer cut from his forehead. While he was quick to make a joke about the procedure, calling it a “mini-facelift”, he followed up with a serious message for his followers. Sharing a close-up photo of the stitches in his forehead, he wrote: “Got a mini facelift! I love it!” “I’m doing the other side in a few weeks. #love #tinylift #bitbybit.” But in the second photo, he wrote, “OK not really ... This is my reminder to anyone who needs it (ie: everyone) to get your skin checked every six months.” He added, “By the way, everything is totally fine, but glad she got caught very early).” After a particularly harsh summer, Hamish Blake joins a long line of celebs who have battled skin cancers, while reminding Aussies to keep on top of their routine skin checks. <a href="https://oversixty.com.au/health/caring/hugh-jackman-s-health-scare" target="_blank" rel="noopener">Hugh Jackman</a> had two biopsies after doctors became concerned that he may have skin cancers on his nose. While the tests came back clear, the Hollywood legend issued a warning to his followers, saying if his scare “reminds even one person to put on sunscreen with a high SPF, then I’m happy.” Journalist and news presenter <a href="https://oversixty.com.au/health/caring/deb-knight-urges-influencers-to-stop-glorifying-tanning" target="_blank" rel="noopener">Deb Knight</a> also issued a recent warning about “glorifying tanning” after sharing the results of her annual skin check up. Knight shared a series of photos showing the sun damage on her skin, writing, "Got off pretty lightly from my annual skin check. Just a few barnacles zapped but nothing serious this time round.” "Timely reminder to get your skin checked and protect it from the sun in the first place," she added, before tagging two melanoma treatment specialists and the Melanoma Institute Australia. Image credits: Getty Images / Instagram

Caring

"That was so good!" Pink shocks local theatre group with standing ovation

The magic of theatre collided with the star power of Pink in an unforgettable moment that left the Sydney community buzzing with excitement this week. The community theatre group PACA Sydney received the surprise of a lifetime as the iconic American singer, Pink, graced their final performance of "In The Heights" at Chatswood Concourse. Accompanied by her husband Carey Hart and their kids Willow and Jameson, Pink's presence sent shockwaves of delight through the theatre. What's even more heartwarming is that the global superstar reportedly purchased her own tickets, embodying humility and genuine support for the arts. As the curtains closed, the real show began backstage, where Pink mingled with the performers, leaving them star-struck and overjoyed. A video capturing their ecstatic reactions flooded social media, showcasing the sheer disbelief and elation of the theatre group as Pink showered them with praise and admiration. <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/reel/C3POaWjJ5jg/?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/reel/C3POaWjJ5jg/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by Pan Academies of Creative Arts (@panacademies)</a> </div> </blockquote> Expressing her admiration for the performance, Pink shared her own struggles to stay seated, confessing, "I want to dance too!" In a touching moment, Pink's genuine appreciation for the show was evident as she applauded the cast with a standing ovation. The impact of her visit resonated deeply with the performers, who were left speechless by her kind words and support. Choreographer and event coordinator Janina Hamerlok captured the essence of Pink's visit, <a href="https://www.dailymail.co.uk/tvshowbiz/article-13077395/Pink-shocks-Sydney-theatre-group-surprise-visit-Australian-tour.html" target="_blank" rel="noopener">describing her as</a> "completely lovely and extremely down to earth". Pink's recognition of the production's homage to the Latino community, on which "In The Heights" is based, really showed her genuine appreciation for the arts. Despite her superstar status, Pink opted for tickets in the upper level dress circle. However, her presence inevitably led to a well-deserved upgrade to house seats. Pink's surprise visit clearly uplifted the spirits of the theatre group. As she continues her Summer Carnival tour across Australia, her impromptu visit shows her unwavering support for the arts and her genuine connection with fans – especially in Australia! Images: Instagram

Music

"Good luck!": Pink stops show as pregnant fan goes into labour

It's not every day that you can say pop icon Pink stopped her show as you were going into labour, but for one Sydney fan this was her reality. The So What singer briefly stopped her show after spotting a pregnant woman getting wheeled out of her concert by a medic on Friday. Wanting to know what all the commotion was about, Pink stopped half way through her performance of Our Song and excitedly tried to find out the baby-to-be's gender, after discovering that the concertgoer was experiencing contractions. "Is it Alicia or Alex being born?" she asked from the stage, referencing her birth name, Alecia Beth Moore. The singer then playfully said that they shouldn't "be looking" anymore and urged the crowd to give the woman some "privacy." <div class="embed" style="box-sizing: inherit; margin: 0px; padding: 0px; border: 0px; font-size: 16px; vertical-align: baseline; outline: none !important;"><iframe class="embedly-embed" style="box-sizing: inherit; margin: 0px; padding: 0px; border: 0px; font-size: 16px; vertical-align: baseline; outline: none !important; width: 573px; max-width: 100%;" title="tiktok embed" src="https://cdn.embedly.com/widgets/media.html?src=https%3A%2F%2Fwww.tiktok.com%2Fembed%2Fv2%2F7333559856185593090&display_name=tiktok&url=https%3A%2F%2Fwww.tiktok.com%2F%40miss_chantal%2Fvideo%2F7333559856185593090&image=https%3A%2F%2Fp16-sign-sg.tiktokcdn.com%2Fobj%2Ftos-alisg-p-0037%2F22874a6d4d174a149b284ecb5a642be4_1707477473%3Fx-expires%3D1707865200%26x-signature%3DNsu2Nw7zUT%252Bf6ndURt3fjSjaZfg%253D&key=59e3ae3acaa649a5a98672932445e203&type=text%2Fhtml&schema=tiktok" width="340" height="700" frameborder="0" scrolling="no" allowfullscreen="allowfullscreen"></iframe></div> "Wow, Our Song, that was the one that did it. Wouldn't have called that one! I thought it would've been Get The Party Started or 'Never Not Gonna Dance Again," she said, before congratulating the mum-to-be. "That's exciting. I don't even know what to say. But we have to sing now. Good luck! It's gonna be great! You're gonna do great," she said. A clip of the moment was shared on TikTok, with fans hoping that the mum had a safe delivery. "Baby is like nah I wanna see pink I don’t wanna just hear. Hope mama had a safe delivery 💕💕" one wrote. "Yep or maybe bubba is thinking will this make pink my godmother 😂💕" another added. Images: TikTok

Family & Pets

Sarah Ferguson makes first public appearance since skin cancer diagnosis

Sarah Ferguson has made her first public appearance since her <a href="https://www.oversixty.com.au/health/caring/fergie-reveals-second-cancer-diagnosis" target="_blank" rel="noopener">skin cancer diagnosis</a> was announced almost two weeks ago. The Duchess of York made an unexpected appearance at the Haute Living Celebrates The Haute 100 event in Miami, Florida on Monday. Fergie rocked a military-style black and white blazer over a black dress for the cocktail event, and appeared happier than ever as she posed for the cameras. The 64-year-old was pictured cuddling up to and interacting with fellow guests at the event. This comes just two weeks after the Duchess <a href="https://www.oversixty.com.au/health/caring/fergie-breaks-silence-amid-second-cancer-battle" target="_blank" rel="noopener">opened up</a> on her second cancer diagnosis in a year. "I have been taking some time to myself as I have been diagnosed with malignant melanoma, a form of skin cancer, my second cancer diagnosis within a year," she said in the Instagram post at the time. She also recently opened up on her recovery from breast cancer, following her mastectomy and reconstructive surgery. The Duchess expressed her gratitude to her two daughters Princess Beatrice and Princess Eugenie, for their constant support. "My two wonderful daughters are my wholehearted cheerleaders, my devoted champions and my soulmates, and they have been as supportive as can be, as they always are," she told People magazine at the time. Images: Getty

Caring

Your skin is a mirror of your health – here’s what yours might be saying

<a href="https://theconversation.com/profiles/dan-baumgardt-1451396">Dan Baumgardt</a>, <a href="https://theconversation.com/institutions/university-of-bristol-1211">University of Bristol</a> <a href="https://pubmed.ncbi.nlm.nih.gov/12095893/">Skin accounts for around 15% of our body mass</a>. It is the largest and most visible organ in the human body. Yet many of the skin’s functions are often overlooked. It’s a sunscreen, a shield from germs, a reservoir of <a href="https://pubmed.ncbi.nlm.nih.gov/28994020/">vitamin D</a> and a means of tightly regulating our body temperature. Being the most visible of our organs, the skin also offers us a view into the body tissues that it protects. So don’t think of your skin merely aesthetically – think of it as a reflection of your health. Disorders of the gut, blood, hormones and even the heart might first be seen on the skin in the form of a rash. Here are a few to look out for. <h2>Bullseye</h2> Ticks are pesky creatures that no one will want to return home from a country walk with. But while the vast majority of tick bites <a href="https://pubmed.ncbi.nlm.nih.gov/36116831/">won’t make you ill</a>, there is one rash that should prompt a visit to your doctor if you spot it. Erythema migrans, a rash named for its ability to rapidly expand across the skin, is a hallmark of <a href="https://www.bmj.com/content/369/bmj.m1041.long">Lyme disease</a>, a potentially severe bacterial illness. This rash forms a classic target pattern, like a bullseye on a dartboard. Be vigilant for a few weeks after being bitten to check this rash doesn’t make an appearance – especially if you noticed a red lump that wasn’t there before or if you had to remove a tick from your skin. You should also keep an eye out for other associated symptoms of Lyme disease – such as swinging temperatures, muscle and joint pains and headache. The condition is treated with antibiotics, which can prevent long-term complications, including chronic fatigue symptoms. <h2>Purpura</h2> Some rashes are given a <a href="https://linkinghub.elsevier.com/retrieve/pii/S1538-7836(22)01880-3">colourful namesake</a> – purpura is one such example. This rash’s name is derived from a mollusc which was used to make purple dye. Purpura refers to a rash of small purple or red dots. The cause is pooling of blood into a deeper layer of the skin (dermis). When pressed with a finger – or even better, the side of a glass – it refuses to blanch away. Purpura signals an issue with either the walls of the tiny blood vessels that feed the skin or the blood within them. This might be from a deficiency in platelets, the tiny cell fragments that allow blood to clot – perhaps from bone marrow failure, or an autoimmune condition where the body turns on itself and attacks its own cells. At worst, purpura may signal the life-threatening condition <a href="https://www.magonlinelibrary.com/doi/full/10.12968/hmed.2017.78.8.468">septicaemia</a>, where an infection has spread into the bloodstream – perhaps from the lungs, kidneys or even from the skin itself. <h2>Skin spiders</h2> Skin rashes can also take on <a href="https://pubmed.ncbi.nlm.nih.gov/32513406/">recognisable shapes</a>. Spider naevi represent an issue within skin arterioles (small arteries which supply the skin with blood). Arterioles open and close to control the loss of heat from the body’s surface. But sometimes they can get stuck open – and a spider-like pattern will appear. The open arteriole is the spider’s body, and the even tinier capillaries fanning out in all directions are the thready legs. Crush the body under a fingertip and the whole thing disappears, as your touch temporarily stops the blood flow. Often, these are benign and not associated with any specific condition – especially if you only have one or two. However, more than three suggest higher circulating levels of the <a href="https://dermnetnz.org/topics/spider-telangiectasis">hormone oestrogen</a>, often due to liver disease or from the hormonal changes seen in pregnancy. Treat the underlying cause, and the spiders often vanish with time – though they may persist or reappear later. <h2>Black velvet</h2> Changes to the folds of your skin (usually around the armpits or neck) – especially if it becomes thickened and velveteen to the touch – may suggest a condition known as <a href="https://onlinelibrary.wiley.com/doi/10.1111/jocd.13544">acanthosis nigricans</a>. This “black velvet” skin appearance is more commonly seen in darker skins. Usually, the condition is associated with <a href="https://pubmed.ncbi.nlm.nih.gov/29241752/">disorders of the metabolism</a> – namely type 2 diabetes and polycystic ovary syndrome. If either of these conditions are successfully treated, the rash may fade. In rare cases, it can also be a sign of <a href="https://www.hkmj.org/abstracts/v29n4/355.htm">stomach cancer</a>, which should be considered in patients with few or none of the key signs of metabolic disease (obesity and high blood pressure). <h2>Butterfly rashes</h2> Even disorders of the heart can be visible on the skin. Cardiac valves have the important role of correctly directing the journey of blood through the heart and preventing backflow. The valve between the chambers on the left side of the heart (the mitral valve – so called because of its resemblance to a bishop’s hat, or mitre) can sometimes become narrowed, causing the heart’s function to deteriorate. The body’s natural response is to preserve core blood volume, shutting off flow towards the skin. The net effect can produce a purple-red rash, high across the cheeks and the bridge of the nose, like the outstretched wings of a butterfly. We call this <a href="https://journals.sagepub.com/doi/10.1177/2050313X231200965?url_ver=Z39.88-2003&rfr_id=ori:rid:crossref.org&rfr_dat=cr_pub%20%200pubmed">mitral facies</a> which, depending on the extent of damage to the heart and great vessels, may persist despite treatment. It’s important to pay heed to your skin. It’s constantly talking to you, and any changes in its texture, colour or if new marks or patterns appear, may indicate something is going on beneath the surface.<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/221937/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/dan-baumgardt-1451396">Dan Baumgardt</a>, Senior Lecturer, School of Physiology, Pharmacology and Neuroscience, <a href="https://theconversation.com/institutions/university-of-bristol-1211">University of Bristol</a> Image credits: Getty Images 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/your-skin-is-a-mirror-of-your-health-heres-what-yours-might-be-saying-221937">original article</a>.

Body

"Too good to be true": Bank teller saves couple from losing $40k

A Tasmanian couple have been saved from losing $40k into an online investment scam after a bank teller noticed the red flags. The couple visited the NAB branch in Rosny, Hobart after their account was blocked during an attempt to transfer the money to an ‘online investment firm’ in Perth. The payment was the first of two instalments that they were set to pay the "firm" but NAB Customer Advisor Erin Bugg saved them from a massive loss. Bugg became suspicious of the firm after they promised a 12 per cent return on their term deposit and a guaranteed pay out if the firm went bust. “If there was a scam red flags bingo card, ‘online investment opportunity’ would be top of the list,” the NAB Customer Advisor said. “Immediately, alarm bells went off for me. It sounded like an investment scam and I was concerned this couple could lose their life savings.” The couple, however, insisted that they weren't being scammed so Bugg decided to look into the matter further and found a website and article about the firm. When she looked into the rates they offered she realised it “was literally too good to be true." “No one likes to be told they’re being lied to, especially when they feel like they’ve done all the right things. They had done their own research, and even spoken to the company on the phone,” she said. She added that "alarm bells" started ringing when the wife explained that a man from the firm kept calling her to thank her for the investment and encourage her to open an account. The couple then rang the "firm" in front of Bugg to try and convince her it was real. “I declined to speak to the ‘firm’, but I could hear them telling the customers, ‘Oh, NAB always flags us as a scam’,’” she recalled. NAB’s fraud team then informed them that the firm had a bank account at another bank, and to call the bank to confirm whether it was legit. After calling the other bank, they found that the account was not connected to the investment firm and suggested them to not transfer anything. “It was such a relief to hear from the customer that they’d avoided being scammed,” Bugg said. This comes after Scamwatch received over 7,000 reports of investment scams collectively costing Aussies over $275 million in the last year. Image: NAB

Money & Banking

Deb Knight urges Influencers to stop "glorifying tanning"

Deborah Knight, 51, has spoken out against influencers who glorify tanning as she shared the results from her annual skin check. The TV and radio presenter, shared a series of photos showing the sun damage on her skin, as she reminded her followers to stay sun safe and get their skin checked. "Got off pretty lightly from my annual skin check. Just a few barnacles zapped but nothing serious this time round," she began in the caption. "Timely reminder to get your skin checked and protect it from the sun in the first place," she added, before tagging two melanoma treatment specialists and the Melanoma Institute Australia. She signed off the post with the hashtag #stopglorifyingtanning. <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/C2n1Rtth20D/?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/C2n1Rtth20D/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by Deborah Knight (@deborah_knight)</a> </div> </blockquote> The Money News 2GB host has regularly shared her skin journey and has previously opened up about the "true extent" of the "damaging effects of the sun" on 9Honey. "As a blonde, fair-skinned child growing up by the beach, I resisted putting on zinc and sunscreen as much as my own children do now," she said in the interview in 2023. She added that she now has to pay the price and has to get her age spots frozen off every year. "I've had a Basal Cell Carcinoma surgically removed from the bridge of my nose, leaving a scar far worse than the damage it could have done if left untreated, possibly spreading and destroying skin, tissue, even bone," she said. She also spoke out about the influencers who glorify tanning. "These are often the same influencers who recommend spending a fortune on anti-ageing treatments and creams and serums, despite willingly exposing their skin to the most damaging ageing element there is – the harsh Aussie sun," she added. According to the <a href="https://melanomaresearch.com.au/about-melanoma/what-is-melanoma/" target="_blank" rel="noopener">Australian Melanoma Research Foundation</a>, one in 17 Australians will be diagnosed with skin cancer in their lifetimes, with melanoma reportedly the third most common cancer in the country, following prostate cancer in men and breast cancer in women. Images: Instagram

Caring

Sarah Ferguson diagnosed with malignant melanoma – here are the latest treatments for this increasingly common skin cancer

<a href="https://theconversation.com/profiles/sarah-allinson-137762">Sarah Allinson</a>, <a href="https://theconversation.com/institutions/lancaster-university-1176">Lancaster University</a> News that Sarah Ferguson, the Duchess of York, has recently been diagnosed with malignant melanoma highlights the dangers of this increasingly common skin cancer. Malignant melanoma affects <a href="https://www.iarc.who.int/cancer-type/skin-cancer/">325,000 people worldwide</a> every year. While it’s not the most common form of skin cancer – typically, for every one diagnosed case of melanoma, up to ten non-melanoma skin cancers are diagnosed – it causes <a href="https://theconversation.com/skin-cancer-more-people-die-from-types-that-arent-melanoma-surprise-new-finding-215378">almost as many deaths</a>. The reason for this is because it’s far more likely to spread, or metastasise, to other sites in the body compared to non-melanoma skin cancers. Melanoma arises in a type of pigment-producing skin cell called a <a href="https://www.cancer.org/cancer/types/melanoma-skin-cancer/about/what-is-melanoma.html#:%7E:text=Melanoma%20is%20a%20type%20of,to%20grow%20out%20of%20control.">melanocyte</a>. These cells produce and export melanin in order to provide a protective layer in the skin which helps to screen out ultraviolet (UV) radiation. Mutations in genes that normally carefully regulate cell growth and survival override the controls that ensure the body only produces the cells it needs. The result is uncontrolled cellular growth, or a tumour, that normally appears as an unusual-looking mole. The mutations that drive the growth of a melanoma usually happen as a result of exposure to UV from the sun or from an artificial source, such as a tanning bed. We know this because when a melanoma’s genome is compared to that of a normal cell we can see a high number of mutations that have a <a href="https://www.nature.com/articles/s41586-020-1943-3">characteristic “UV signature”</a>. For this reason, melanoma skin cancers occur most frequently in people who have light-coloured skin and who are exposed to high amounts of UV. Non-melanoma skin cancers are also mainly caused by exposure to UV but arise from a different kind of skin cell called a keratinocyte. These are the cells that normally make up the majority of the outer part of our skin, called the epidermis. Cancers that arise from keratinocytes are less likely to spread than those that come from melanocytes – although <a href="https://www.cancerresearchuk.org/health-professional/cancer-statistics/statistics-by-cancer-type/non-melanoma-skin-cancer#heading-One">they can still be fatal</a>. In the duchess’s case, the melanoma was discovered during treatment for breast cancer. Her dermatologist recommended that some moles be removed for biopsy during breast reconstruction surgery. After testing, one was identified as malignant melanoma. If the results of the biopsy show that the cancer hasn’t spread, then like the majority of patients with melanoma, the duchess will be treated with surgery. In this case the tumour will be removed along with some of the surrounding normal skin. The amount of normal skin removed depends on the results of the biopsy – in particular, how deep into the skin the tumour has penetrated (called the <a href="https://www.macmillan.org.uk/cancer-information-and-support/melanoma/staging-of-melanoma">Breslow thickness</a>). The normal skin will be checked for any signs that cancerous cells might have spread out of the tumour. For most people diagnosed with melanoma, particularly if it’s at an early stage, <a href="https://www.ncbi.nlm.nih.gov/books/NBK481850/">surgery will cure the cancer</a> and they will be able to go on with their lives. But for around <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC8544364/">20% of patients</a>, additional treatment will be needed. This happens if their cancer has spread further into the body or if their cancer can’t be treated surgically. The <a href="https://ascopubs.org/doi/10.1200/OP.21.00686">good news</a> for these patients is that the past decade has seen huge improvements in treatment. Previously the only options other than surgery were radiotherapy or non-specific chemotherapy treatments. These treatments work by affecting the ability of cells to copy their DNA, which prevents them from duplicating and causes fast-growing cancer cells to die. But because these also affect the patient’s normal cells, they were accompanied by severe side effects – and were often ineffective. But we now have a better understanding of the specific changes melanoma makes to cell growth pathways. This has led to the development of drugs, such as <a href="https://www.cancer.gov/news-events/cancer-currents-blog/2022/fda-dabrafenib-trametinib-braf-solid-tumors">dabrafenib</a> and <a href="https://pubchem.ncbi.nlm.nih.gov/compound/Trametinib">trametinib</a>, that specifically target cells with these altered pathways. In other words, they only target the cancerous cells. These drugs are much more effective and have fewer side effects than traditional chemotherapies – although about half of patients who initially respond to them relapse within a year. In these patients a few of the tumour cells survive by activating other pathways for growth and use these to <a href="https://acsjournals.onlinelibrary.wiley.com/doi/full/10.1002/cncr.30435">regrow the tumour</a>. Promisingly, <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC10417341/">a recent study</a> suggests that re-using these drugs after a period off them can have good results in relapsed patients. Another exciting development in the treatment of malignant melanoma has been the use of immunotherapies. These involve harnessing the patient’s own immune system to fight the tumour. One particularly successful immunotherapy approach for melanoma involves the use of drugs called checkpoint inhibitors. These prevent cancer cells from being able to hide from the body’s immune system. A <a href="https://www.ejcancer.com/article/S0959-8049(23)00694-9/fulltext">recent report</a> has highlighted how the introduction of these treatments has led to improved survival for melanoma patients. Although the duchess’s skin cancer was discovered while she was being treated for breast cancer, it’s unlikely that the two are related. A more likely risk factor is the duchess’s famous red hair. People with red hair and pale skin that tends to freckle and burn in the sun are at a greater risk of developing skin cancer because their skin produces <a href="https://medlineplus.gov/genetics/gene/mc1r/#conditions">less melanin</a>. This means that their melanocytes are exposed to higher levels of UV and are more likely to undergo cancer-causing mutations. While melanoma is much more common in people with the duchess’s skin type, it’s important to be aware that anyone can get it. It’s a good idea to regularly check your skin for unusual looking moles and to contact a doctor for advice if you have a mole with any of the so-called <a href="https://www.cancerresearchuk.org/about-cancer/melanoma/symptoms">ABCDE characteristics</a>: such as an asymmetrical shape, irregular, blurred or jagged border, uneven colour, is more than 6mm wide and is evolving (either in size, texture or even bleeding).<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/221647/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/sarah-allinson-137762">Sarah Allinson</a>, Professor, Department of Biomedical and Life Sciences, <a href="https://theconversation.com/institutions/lancaster-university-1176">Lancaster University</a> Image credits: Getty Images 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/sarah-ferguson-diagnosed-with-malignant-melanoma-here-are-the-latest-treatments-for-this-increasingly-common-skin-cancer-221647">original article</a>.

Body

What are ‘good’ and ‘bad’ debts, and which should I pay off first?

<a href="https://theconversation.com/profiles/angel-zhong-1204643">Angel Zhong</a>, <a href="https://theconversation.com/institutions/rmit-university-1063">RMIT University</a> With the cost of living soaring and many struggling to get a pay rise, it’s not surprising people are using debt to navigate life’s financial twists and turns. Owing money can sometimes feel challenging, but not all debts should keep you awake at night. So which debts are good and which are bad? And in what order should you pay them off? As it all depends on your personal circumstances, all I can offer is general information and not financial advice. Ideally, you should seek guidance from an accredited financial adviser. But in the meantime, here are some ideas to consider. <h2>What is a ‘good debt’?</h2> Good debts can be strategic tools and help build a solid foundation for your future. They usually increase your net worth by helping you generate income or buy assets that increase in value. With good debts, you usually get back more than what you pay for. They usually have lower interest rates and longer repayment terms. But personal finance is dynamic, and the line between good and bad debt can be nuanced. If not managed properly, even good debts can cause problems. Some examples of “good debts” might include: Mortgages: A mortgage allows you to buy a house, which is an asset that generally increases in value over time. You may potentially get tax advantages, such as <a href="https://www.ato.gov.au/forms-and-instructions/rental-properties-2023/other-tax-considerations">negative gearing</a>, through investment properties. However, it’s crucial not to overstretch yourself and turn a mortgage into a nightmare. As a rule of thumb, try avoid spending <a href="https://www.cnbc.com/select/mortgage-affordability/">more than 30% of your income</a> per year on your mortgage repayments. Student loans: Education is an investment in yourself. Used well, student loans (such as <a href="https://www.studyassist.gov.au/help-loans/hecs-help">HECS-HELP</a>) can be the ticket to a higher-paying job and better career opportunities. <h2>What is a ‘bad debt’?</h2> “Bad debts” undermine your financial stability and can hinder your financial progress. They usually come with high interest rates and short repayment terms, making them more challenging to pay off. They can lead to a vicious cycle of debt. Examples of bad debts include: Payday loans: A payday loan offers a quick fix for people in a financial tight spot. However, their steep interest rates, high fees and tight repayment terms often end up worsening a person’s financial problems. The interest and fee you may end up paying can get close to the loan amount itself. Credit card debt: Credit cards can be like quicksand for your finances. If you don’t pay off your purchase on time, you’ll be subject to an annual interest rate of around <a href="https://www.rba.gov.au/statistics/tables/">19.94%</a>. For a A$3,000 credit card debt, for example, that could mean paying nearly $600 annual interest. Carrying credit card debt from month to month can lead to a seemingly never-ending debt cycle. Personal loans: People usually take personal loans from a bank to pay for something special, such as a nice holiday or a car. They often come with higher interest rates, averaging around <a href="https://www.finder.com.au/personal-loans">10%</a>. Spending money that you don’t have can lead to prolonged financial headaches. Buy-now-pay-later services: Buy-now-pay-later services often provide interest-free instalment options for purchases. This can be tempting, but the account fees and late payment fees associated with buy-now-pay-later services can lead to a long-term financial hangover. The convenience and accessibility of buy-now-pay-later services can also make it easy to get further and further into debt. <h2>So in what order should I pay off my debts?</h2> There is no one right answer to this question, but here are three factors to consider. Prioritise high-interest debts: Start by confronting the debts with the highest interest rates. This typically includes credit card debt and personal loans. Paying off high-interest debts first can save you money and reduce your total debt faster. Negotiate interest rates or switch lenders: Don’t be shy. A simple call to your lender requesting a lower rate can make a significant difference. You may also take advantage of sign-on offers and refinancing your loan with a new lender. In the banking business, customers are not usually rewarded for their loyalty. Consider different repayment strategies: Choose a debt repayment strategy that aligns with your preferences. Some people get a psychological boost from paying off smaller debts first (this is often called the “<a href="https://www.wellsfargo.com/goals-credit/smarter-credit/manage-your-debt/snowball-vs-avalanche-paydown/#:%7E:text=The%20%22snowball%20method%2C%22%20simply,all%20accounts%20are%20paid%20off.">snowball method</a>”). Others focus on high-interest debts (often known as the “<a href="https://www.wellsfargo.com/goals-credit/smarter-credit/manage-your-debt/snowball-vs-avalanche-paydown/#:%7E:text=The%20%22snowball%20method%2C%22%20simply,all%20accounts%20are%20paid%20off.">avalanche method</a>”). Find what works for you. The most important thing is to have a plan and stick to it. Review the terms of each debt carefully. Certain loans offer flexibility in repayment schedules, while others may impose penalties for early settlement. Take note of these conditions as you develop your repayment plan. Debt can be a useful tool or a dangerous trap, depending on how you use it. By understanding the difference between good and bad debts, and by having a smart strategy for paying them off, you can take charge of your financial future.<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/217779/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/angel-zhong-1204643">Angel Zhong</a>, Associate Professor of Finance, <a href="https://theconversation.com/institutions/rmit-university-1063">RMIT University</a> Image credits: Getty Images 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/what-are-good-and-bad-debts-and-which-should-i-pay-off-first-217779">original article</a>.

Money & Banking

"He's in good spirits": Rex Hunt's devastating diagnosis

AFL legend Rex Hunt has been diagnosed with dementia, with his family sharing that they are giving him "love and support" through the difficult time. Hunt's family shared the news of his diagnosis to the Herald Sun, with his wife Lynne saying they are going through a difficult time, but are rallying together. “Rex has recently been diagnosed with dementia,” Hunt’s wife Lynne said. “We are dealing with this as a family and are giving him love and support." “He is fit and in good spirits and looking forward to going fishing again soon." “Thousands of families around Australia have loved ones living with dementia and we are no different from any of them." “We are so very grateful for the constant support of Rex’s doctors and our friends.” In September, Hunt returned to a private care facility as his mental health issues, a result of his recent diagnosis with bipolar depression, continued to deteriorate. The 74-year-old has received an influx of messages of support from prominent sporting figures, including from long-time friend Sam Newman. On Newman's You Cannot Be Serious podcast, he shared a message for Hunt, saying, “It is a thing that grabs people at various stages of their life.” “I have been out to see Rex a couple of times and he is up and down in his mental acuity, but if he gets his meds right he is fine, so we wish him well." “We wish him well, we really do, because he had been – probably still is – a very great contributor to entertainment.” Image credits: Getty Images

Caring

"More bad days than good": Sad new pics of Bruce Willis emerge

Bruce Willis' family are "soaking up every moment" with the Hollywood legend, as his health is continuing to deteriorate. The 68-year-old's family have shared new heartbreaking photos of the actor, which show a steep decline in his appearance and capabilities since the onset of his health issues. Willis was diagnosed with frontotemporal dementia at the beginning of 2023, nearly one year after announcing his retirement from acting due to aphasia, which causes difficulties with speech. Since his diagnosis, his family have continued to share updates on the actor's condition. Now, a source close to the family has revealed that the star’s health has worsened in recent weeks, and now there are “more bad days” than good. “Bruce has good days and bad days, but in the last two months, there are many more bad days than good,” a source told <a href="https://www.usmagazine.com/celebrity-news/news/how-bruce-willis-family-is-supporting-him-as-he-battles-dementia/">US Weekly</a>. “This experience has brought the whole family even closer together. No one knows how much time Bruce has left, so they’re soaking up every moment they get with him.” Another source added that the four-time Golden Globe winner “has around-the-clock care, but at least one family member is always with him.” The beloved Hollywood action star has been spending his days alongside his wife, Emma Heming, ex-wife Demi Moore, and their collective five children, who all care for him throughout his difficult health journey. Image credits: Getty Images / Instagram

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Travel

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Lifestyle

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What are ‘good’ and ‘bad’ debts, and which should I pay off first?

"He's in good spirits": Rex Hunt's devastating diagnosis

"More bad days than good": Sad new pics of Bruce Willis emerge

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