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Battling to make ends meet? Financial planning expert offers 5 tips on how to build your budget

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/bomikazi-zeka-680577">Bomikazi Zeka</a>, <a href="https://theconversation.com/institutions/university-of-canberra-865">University of Canberra</a></em></p> <p>Every day seems to bring new headlines about rising costs. <a href="https://www.news24.com/news24/africa/news/nigerias-big-unions-call-indefinite-strike-over-fuel-prices-and-the-cost-of-living-20230926">In Nigeria</a>, unions are threatening to strike amid soaring fuel prices; the country’s inflation rate <a href="https://www.cbn.gov.ng/rates/inflrates.asp">hit 25%</a> in August. The amount it costs to fill a food basket in South Africa <a href="https://pmbejd.org.za/wp-content/uploads/2023/09/PMBEJD_Key-Data_September-2023_27092023.pdf">keeps climbing</a>. Ghanaians <a href="https://www.reuters.com/world/africa/multi-day-protests-over-economic-crisis-grip-ghanas-capital-2023-09-23/">took to the streets</a> of Accra in late September to protest about the cost of living.</p> <p>A <a href="https://www2.deloitte.com/us/en/insights/industry/retail-distribution/consumer-behavior-trends-state-of-the-consumer-tracker.html">recent study by the audit and consulting firm Deloitte</a> found that 75% of South Africans were concerned that the prices for everyday purchases would continue to increase, while 80% of consumers across all income groups expected the prices of groceries, household utilities and fuel to rise.</p> <p>This stark reality means budgeting may be more necessary than ever.</p> <p>If you don’t know how to create a budget, then you shouldn’t feel bad – most adults aren’t taught how to create one. And most people don’t budget, because they see it as restrictive or unsustainable. But it need not be: once you appreciate that a budget can work for you, it can be a financially empowering exercise. It’s a cornerstone of financial planning because it ensures you are living within your means and helps you remain in financial control.</p> <p>As a financial planning academic, I focus in <a href="https://researchprofiles.canberra.edu.au/en/persons/bomikazi-zeka/publications/">my research</a> on improving financial wellbeing and promoting savings behaviours through interventions such as budgeting. Here are five guidelines for creating a budget.</p> <h2>1. Apps vs spreadsheet</h2> <p>A good place to start is to choose the format of how you’re going to budget. There are several <a href="https://www.sanlamreality.co.za/wealth-sense/setting-up-a-family-budget-that-works/">online templates</a> and apps you can use for budgeting. For instance, <a href="https://www.22seven.com/">22Seven</a> has gained popularity in South Africa due to its compatibility with several financial institutions, including the country’s big five banks. Similarly, <a href="https://www.the-star.co.ke/business/kenya/2021-01-25-budgeting-using-mint-app/">Mint</a> is a popular budgeting tool that is used in Kenya and Nigeria.</p> <p>If you prefer to put pen to paper, some online templates come with <a href="https://www.wonga.co.za/blog/free-budget-template">free printable budgets</a>. Creating your own <a href="https://create.microsoft.com/en-us/learn/articles/how-to-make-excel-budget">Excel spreadsheet</a> is an equally good approach.</p> <p>What matters most is using a tool that you can commit to.</p> <h2>2. Itemising your income and expenses</h2> <p>A budget essentially shows how much you’re spending in relation to how much you’re earning. So once you have selected your budgeting tool, you need to fill in your income and itemise how much you’re spending on each expense in a month. A budget can be considered a cashflow statement because it allows you to track money coming in (income) and money going out (expenses).</p> <p>If you are living within your means, your budget should indicate a surplus – more cash inflows than cash outflows. So budgeting provides an accurate account of your short-term financial position.</p> <h2>3. A realistic account of expenses</h2> <p>When you look at your financial statements, fill your expenses into your budget honestly and accurately. Don’t cheat! Since everyone’s financial situation is different, your budget will also be unique.</p> <p>Even though there is no one-size-fits-all approach to budgeting, it should still consider all of your expenses (both regular and intermittent). A general rule of thumb is that if it’s deducted from your account then you should treat it as an expense. This includes payments for housing, medical insurance, fuel, dining out, credit card repayments and even bank fees.</p> <h2>4. Save first, spend later</h2> <p>Now you’ve seen how much you’re spending. Either it’s too much – and you can plan where to cut back – or you have savings at the end of the month.</p> <p>When compiling your budget it’s important to demarcate how much will be in the form of savings. What’s more important is getting into the habit of saving before you spend instead of saving after spending. If you spend first then you’ve deprived yourself of the opportunity to save for a rainy day.</p> <p>Furthermore, <a href="https://eprints.hud.ac.uk/id/eprint/10231/1/Microsoft_Word_-_submitted_version_3rd_June_201.pdf">research</a> has shown that getting into the habit of saving has a transgenerational effect: it can be considered a cultural value that is passed on from one generation to another. So think of saving as paying yourself first. Once you have done so, you won’t feel guilty for treating yourself because you’ve already done the financially responsible thing by putting your savings aside.</p> <h2>5. Considering assets and liabilities</h2> <p>Once you’ve become comfortable with consistently budgeting, you can take it up a notch by including your assets (everything you own with an economic value) and liabilities (everything you owe) to determine your overall financial position.</p> <p>You can get a clearer picture of your overall financial wellbeing by compiling a list of all your assets, for example your savings and <a href="https://www.investopedia.com/terms/h/home_equity.asp">home equity</a>, in relation to liabilities (such as bank loans). Knowing your long-term financial position can indicate how financially resilient or vulnerable you are. In the event of a financial emergency, you will know which resources you can draw upon to meet an unexpected expense.</p> <p>By creating a budget (and sticking to it), you can protect yourself and your household from financial shocks. Consider the alternative. Imagine you haven’t budgeted and set savings aside. If a financial emergency were to arise, your next best bet would be to borrow the funds you need. You’d have to come up with a plan to repay what you’d borrowed while also building your savings.</p> <h2>A healthy habit</h2> <p>Getting into the habit of budgeting isn’t easy, especially if you haven’t done it before or you’re intimidated by the process. But, as the expression goes, “a journey of a thousand miles begins with a single step”. Think of budgeting as taking a small but important step towards reclaiming control over your finances and improving your financial well-being.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/214861/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/bomikazi-zeka-680577">Bomikazi Zeka</a>, Assistant Professor in Finance and Financial Planning, <a href="https://theconversation.com/institutions/university-of-canberra-865">University of Canberra</a></em></p> <p><em>Image credits: Getty Images </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/battling-to-make-ends-meet-financial-planning-expert-offers-5-tips-on-how-to-build-your-budget-214861">original article</a>.</em></p> </div>

Money & Banking

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

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

TV

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Tourist slapped with $225k bill after simple mistake

<p>An American tourist has revealed the moment he was charged with a $US143k (AU$225k) bill after a short holiday to Switzerland. </p> <p>Rene Remund and his wife Linda went on the trip last September.</p> <p>Prior to their travels, Remund made sure to inform his mobile phone provider, T-Mobile, that he was going overseas and as a customer of 30 years, he was told he was “covered”.</p> <p>So, with no worries at all, the tourist shared photos of his moments in the Swiss countryside with friends and family via photo messages. </p> <p>Imagine his surprise when he came home to a six-figure bill, after he racked up thousands and thousands of dollars in daily roaming costs. </p> <p>“I get this T-Mobile bill and it doesn’t bother me very much because I was reading $143,” he explained, adding it wasn’t until he went to pay the bill that he realised a few more zeros were involved.</p> <p>“I look at the bill and I say, ‘excuse me’,” he said.</p> <p>“$143,000 … are you guys crazy?”</p> <p>According to the bill, Remund had racked up 9.5 gigabytes of data while in Europe, which cost him thousands of dollars each day. While it wasn't a huge amount of data, not being covered by roaming fees will cause a user to run up a huge bill very quickly. </p> <p>“I called [T-Mobile] and the girl put me on hold for a while,” he explained.</p> <p>“She said let me check this out and I’ll get back to you. She gets back and says, yeah this is a good bill.</p> <p>“I said, ‘what do you mean it’s a good bill?’ And she says ‘well, this is what you owe’.</p> <p>“I said ‘you’re kidding me … you’re crazy’.”</p> <p>After confirming that his bill was in fact  AU$225,000, Remund hired a lawyer to argue the fact that he was covered for international roaming. </p> <p>His lawyer issued a letter to the president of T-Mobile, and they only received a reply a few days ago. </p> <p>The letter from T-Mobile allegedly said that the service provider was “sorry” for the charges, and that Remund would receive a “credit” to eliminate the entire bill. </p> <p>In an email shared to local media <em>Scripps News Tampa</em>, the mobile phone provider said that customers should always “check the travel features of their plan, such as international data roaming, before departing”.</p> <p>“If a customer is on an older plan that doesn’t include international roaming for data and calling, they’ll need to make sure they’re using aeroplane mode and wi-fi when using data to be certain the device doesn’t connect to an international network.”</p> <p><em style="box-sizing: inherit; margin: 0px; padding: 0px; border: 0px; font-size: 16px; vertical-align: baseline; color: #323338; font-family: Figtree, Roboto, 'Noto Sans Hebrew', 'Noto Kufi Arabic', 'Noto Sans JP', sans-serif; background-color: #ffffff; outline: none !important;">Images: ABC Action News</em></p> <p> </p>

Travel Trouble

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Millions of phones at risk of being cut off from calling triple-0

<p>Over a million Aussies may be unable to contact triple-0 as two major telcos cut their 3G networks. </p> <p>Telstra's network will be closed on June 30 this year followed by Optus, which will shut their 3G network in September.</p> <p>While most late model phones are now serviced by either 4G or 5G networks, there are many devices that still rely on 3G. </p> <p>Approximately 113,000 Telstra customers have not upgraded their 3G handsets, while Optus have not disclosed a figure.</p> <p>The greater concerns lie for older 4G-enabled handsets that may not be able to call triple-0 once the 3G networks are switched off, because of the way those phones are configured.</p> <p>In March, Communications Minister Michelle Rowland was informed that 740,000 Australians were in that category.  </p> <p>A month later, that figure was revised to over a million. </p> <p>"I welcome the industry’s first report to government but am concerned around their disclosure of around one million potentially impacted consumers,” the minister said. </p> <p>“I am considering the detail provided and next steps, and the government will have more to say about the 3G switchover soon.”</p> <p>She also said that they were open to delaying the switchover  "if warranted in the public interest”.</p> <p>“Options exist under law for the government to consider proposals to delay the planned switchover, subject to consultation and procedural processes,” she said.</p> <p>Telstra has informed customers about what to do if they are affected, and how they could check. </p> <p>“If your mobile device doesn’t have Voice over LTE (VoLTE) technology, even if it uses 4G data, it will not be able to make voice calls on our network after 30 June 2024,” they informed their customers. </p> <p>“Not all VoLTE enabled devices support emergency VoLTE calling, meaning they will not be able to make an emergency call to triple-0 once 3G closes." </p> <p>“Without taking the recommended action you won’t be able to connect to a network after 30 June 2024,” they warned. </p> <p>Customers who are worried that they might be impacted, are encouraged to text 3 to the number 3498, so that the telco can inform the customer on their connection status.</p> <p>Optus have also encouraged customers to contact them if they think they may be affected. </p> <p><em>Image: Getty</em></p>

Legal

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Seven's insane plan to ambush Lisa Wilkinson exposed

<p>A bizarre plan pitched by Channel Seven for Bruce Lehrmann to ambush Lisa Wilkinson has been revealed. </p> <p>According to several close friends of Mr Lehrmann, Channel Seven's <em>Spotlight</em> program suggested that Lehrmann hover around the Sydney suburb of Cremorne in the hopes of catching Lisa Wilkinson unawares. </p> <p>They proceeded to explain to <a href="https://www.news.com.au/national/nsw-act/sevens-plan-for-bruce-lehrmann-to-ambush-lisa-wilkinson-in-public/news-story/1e6df346affc123ad23f1f7efcb12136" target="_blank" rel="noopener">news.com.au</a> how they wanted Lehrmann to confront Wilkinson while a cameraman stood close in the hopes of manufacturing a must-see TV moment. </p> <p>Mr Lehrmann's friends said he was not keen on the idea, although the program continued to suggest the ambush. </p> <p>As the fallout continues over untested allegations in the Federal Court that Mr Lehrmann leaked Brittany Higgins’ private text messages to the current affairs program, the former Liberal staffer’s mates are spilling the beans on claims of the program’s bizarre plan.</p> <p>“Bruce very much wanted a third program. But that was a bridge too far," another friend said.</p> <p>“Seven were desperate for ideas. They raised it several times. On many occasions I met with Bruce after meetings and they were pushing for it."</p> <p>“The plan as described was (they) wanted Bruce to be at a local cafe that they knew Lisa Wilkinson would go to and they would have a TV camera confront her.”</p> <p>When asked what Mr Lehrmann planned to say during the ambush, the friend admitted, “I dunno. I don’t know if they thought that far ahead.”</p> <p>Mr Lehrmann’s inner circle claim that it was just one of a number of wild ideas floated by <em>Spotlight</em> producer Steve Jackson as they pitched ideas for future programs about Lehrmann. </p> <p>Another confidante of Mr Lehrmann’s said the Wilkinson plan was “bizarre” and joked it seemed to involve Mr Lehrmann jumping from behind a pot plant to startle the TV star, an idea the former Liberal staffer wasn't keen for, despite the Seven “ideas factory”.</p> <p>“It wasn’t something that Bruce (Lehrmann) pushed," the source said.</p> <p>“<em>Spotlight</em> had a million viewers and so they were always looking for any excuse for a third program. The plan was to spark some sort of public row.”</p> <p>Mr Lehrmann’s criminal trial was delayed in the wake of Wilkinson’s ill-fated Logies speech, but his barrister Steve Whybrow SC has hailed the speech as keeping him out of jail.</p> <p>“Frankly, if it wasn’t for Lisa Wilkinson’s speech at the Logies, Bruce would probably be in jail. Thank God for that speech," Mr Whybrow said.</p> <p><em>Image credits: Getty Images </em></p>

Legal

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Clive Palmer's plans to build Titanic II resurface

<p>Just when you thought we'd exhausted all of the possible billionaire pet projects, Clive Palmer, the Queensland mining magnate with pockets deeper than the Mariana Trench, has once again proven us wrong.</p> <p>For more than a decade now, Palmer has harboured a peculiar obsession: resurrecting the ghost of the <em>Titanic</em>, the world's most infamous maritime disaster.</p> <p>Palmer wants to build <em>Titanic II</em>, because when you've got more money than you can count, why not embark on a maritime venture that's already synonymous with catastrophe?</p> <p>Palmer, with the audacity only wealth can afford, has been pushing for this <em>Titanic</em> replica since 2012. Not content with merely one failed attempt, he launched the project again in 2018. Now, after another six years and a global pandemic, he's dusting off his captain's hat and setting sail once more, announcing the <em>Titanic II</em>'s re-launch at the Sydney Opera House (because when you're Clive Palmer, a press conference venue like the local community centre just doesn't cut it).</p> <p>But why, you may ask? According to Palmer himself, it's a simple matter of economics: "I’ve got two options, either give my wife more money for shopping or spend it on the <em>Titanic</em> and I’m spending it on the Titanic because she’s shopped enough."</p> <p>Ah, yes, the age-old dilemma of whether to buy your spouse another designer handbag or fund a one-billion-dollar replica of a ship that sank over a century ago. We've all been there.</p> <p>Despite the naysayers who dismissed Palmer's dream as nothing more than the folly of a rich eccentric, he remains undeterred. Now, with the pandemic in the rearview mirror and cruise ships once again cruising, Palmer sees this as the perfect time to resurrect his <em>Titanic</em> dream. Because what better way to celebrate the end of a global health crisis than by building a monument to maritime tragedy?</p> <p>Palmer assures us that this time around, things will be different. The plans are similar to previous iterations, but now they comply with current regulations. Tenders are being sought, with plans to confirm a shipbuilder by year's end with the intention of setting sail by 2027.</p> <p>And what can prospective passengers expect from this seafaring spectacle? Well, according to Palmer's team, an eight-minute video featuring period costumes and a layout straight out of the early 1900s. Passengers will even be encouraged to dress the part (though that's not compulsory; nothing screams "fun vacation" like wearing corsets and three-piece suits in the middle of the ocean).</p> <p>But fear not, third-class passengers, you won't be left out of this <em>Titanic</em> experience. You'll get to enjoy stew and mash at communal dining tables, just like the good old days. Although, for those who prefer their meals without a side of historical accuracy, other options will be available. </p> <p>In amongst of all this, Palmer has grandiose visions of <em>Titanic II</em> as a symbol of world peace. “We all know how to make war," he announced at the press launch. "We get armies and we fund wars. People know about that. But it is a lot harder to make peace. To make peace you have got to stick with it every day. You progress inch by inch.</p> <p>“<em>Titanic ll</em> is something that can provide peace. It can be a ship of peace between all countries of the world. Millions have dreamt of sailing on her, seeing her in port and experiencing her unique majesty. <em>Titanic ll</em> will be the ship where those dreams come true.”</p> <p>So, as Palmer sets sail on his quixotic quest to recreate history, we can't help but wonder: Is <em>Titanic II</em> a testament to human ingenuity or just another billionaire's folly? Only time will tell. But if history has taught us anything, it's that sometimes, even the grandest dreams can end up at the bottom of the ocean.</p> <p><em>Images: Rod Eime / Wikimedia</em></p>

Cruising

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"Stuff youse": Pensioner who's never owned a phone fights mobile detection camera fine

<p>A pensioner from New South Wales has disputed a fine he was issued for using his phone while driving, despite never owning a phone. </p> <p>Frank Singh, 77, was captured on a mobile phone detection camera while driving on the Pacific Motorway last September, and was issued a fine for $362. </p> <p>Mr Singh has refused to pay the fine, claiming that he was holding his wallet when the image was captured. </p> <p>He also claims to have never owned a mobile phone or a computer in his life, wondering how the camera made such a mistake. </p> <p>The senior man decided to appeal and take Revenue NSW to court, despite the risk of paying thousands in legal fees if he lost the case.</p> <p>"Looks like I'm guilty on it, but I'm not," he told <em>A Current Affair</em>. </p> <p>"I thought, what the bloody hell is this all about, I don't own a mobile phone. I've never used a mobile phone. What a load of s***."</p> <p>When questioned what the item could be, he said, "I think it could be my wallet."</p> <p>While Mr Singh admitted he can't specifically remember what he was doing at the time, he believes he was possibly placing his wallet on the passenger seat after paying for fuel. </p> <p>Unfortunately, the review of the fine was rejected and Frank was ordered to pay the $362, but he has not given up. </p> <p>"Then I thought stuff youse, I'm not guilty, I don't own a bloody phone," he said.</p> <p>While preparing to appeal the fine once more, Revenue NSW revoked the fine after issuing a letter to Mr Singh saying he would not be required in court following an investigation by the government body. </p> <p>"We have decided to cancel the fine," the letter read. </p> <p>"You little bloody beauty, how good's that," Mr Singh said on hearing the news, before planning to celebrate the win with a beer at his local pub. </p> <p><em>Image credits: A Current Affair </em></p>

Legal

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"I want answers": Simon Dorante-Day's cunning plan to prove royal connections

<p>The Queensland man claiming to be the son of King Charles and Queen Camilla has shared his new plan to prove once and for all that he has royal family connections. </p> <p>Simon Dorante-Day has long claimed through his 30 years of research, he discovered that he is the illegitimate son of the monarch, and has attempted to prove his theory through various means. </p> <p>Now, his new plan to get his hands on royal DNA to unequivocally prove his family heritage involves another member of the royal family. </p> <p>Speaking with <a href="https://7news.com.au/lifestyle/aussie-man-claiming-to-be-charles-son-drops-new-prince-harry-dna-bombshell-c-13488374" target="_blank" rel="noopener"><em>7News</em></a>, the 57-year-old said he and his wife have been told by a “trusted source” that Prince Harry could be amenable to helping them gather proof.</p> <p>“We got advice from a really good, really trusted source that we should approach Harry and make a connection there and ask for DNA,” Elvianna said.</p> <p>Simon added, “I was really taken aback when he said that. But it’s definitely something I’m going to do. I’ve long been a supporter of Harry and Meghan, I think it’s disgraceful the way they’ve been treated by the royal family."</p> <p>“The way they are treated on social media too, it’s just one big ‘Punch-Meghan-and-Harry-a-thon’, seriously. It’s really starting to annoy me."</p> <p>He said he is planning to "make contact with him and explore this as an opportunity," pointing out that the royal family's treatment of Harry could make him more willing to help.</p> <p>"At the end of the day, I feel like he just might be as keen as I am to expose what Charles and Camilla and the powers that be have done to me. The injustice."</p> <p>“It’s worth me pointing out that Charles and Camilla, Buckingham Palace, the entire royal family - not one of them has ever said my claims are not true. They’ve never denied what I believe, told me I’m wrong."</p> <p>Simon said “the wheels are in motion” in terms of making contact with Prince Harry, and that he’s hopeful of a positive outcome.</p> <p>“I want answers,” he said. “And I feel Prince Harry is the man to help me find them.”</p> <p>“And I think their silence speaks volumes.”</p> <p>Simon said “the wheels are in motion” in terms of making contact with Prince Harry, and that he’s hopeful of a positive outcome.</p> <p>“I want answers,” he said. “And I feel Prince Harry is the man to help me find them.”</p> <p><em>Image credits: Facebook / Getty Images </em></p>

Family & Pets

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8 places you should never keep your phone

<p><strong>In your pocket</strong></p> <p>Keeping your phone in your pocket seems logical, but you could be doing more harm than good. According to Dr Lilly Friedman, this is actually the worst place to store your phone. “When phones are on, connected to a wireless network, and placed in a pocket, the radiation is two to seven times higher than if it were placed in a purse or holster,” she says.</p> <p>There is a correlation between radiation from a mobile phone and tumour growth, she adds. Plus, radiation can change the structure of DNA and affect male fertility, according to Dr Friedman. The World Health Organization’s International Agency for Research on Cancer also found that mobile phone radiation is additionally carcinogenic to humans. Merely sitting on your phone could cause health issues such as sciatica or back problems.</p> <p><strong>In your bra</strong></p> <p>Some research and case studies show that keeping your phone in your bra could be linked to breast cancer due to the radiations and vibrations from the phone. That said, there is not enough evidence to establish a definite relationship between the two. Still, keeping your phone in your bra, especially a sports bra, is a bad idea due to the skin-irritating bacteria it could harbour, Muscle &amp; Fitness reports.</p> <p><strong>In your bed or under your pillow</strong></p> <p>Sleeping with your phone is a bad idea for a few reasons. First, keeping your phone under your pillow could build up heat and present a potential fire hazard, especially if your phone is charging or has a defect. It’s also known that the LED light from phone screens can disrupt melatonin production and circadian rhythms, hurting your sleep quality, according to the National Sleep Foundation.</p> <p>And, of course, there’s also radiation to consider. The amounts of radio frequency radiation mobile phones give off are the same ones emitted from microwaves. There is also concern about the safety of mobile phone use with respect to cancer and brain tumours, per the American Cancer Society.</p> <p><strong>Plugged in</strong></p> <p>Keeping your phone plugged in when it has a full battery causes damage to the battery itself, according to pcmag.com. It’s not that your phone ‘overloads’ with power, but heat build-ups from stacking things on top of your phone or keeping it under your pillow, making your phone hotter and damaging your battery.</p> <p><strong>Close to your face</strong></p> <p>Keeping your phone close to your face means bacteria transfers to and from your phone, making your skin and phone dirtier. This combination leads to more acne, skin irritation and even wrinkles, according to Allure. Try using ear pods instead to keep the surface of your phone at a distance from your face.</p> <p><strong>In your glovebox</strong></p> <p>Extreme temperatures are the worst conditions for your phone. So keeping your device in your car’s glovebox during the extremely hot or cold months of the year could lead to problems. According to Time, excess heat can cause everything from data loss or corruption to battery leakage. The cold weather presents just as many issues for your device. In cold temperatures, many smartphones shut off, have display problems, shortened battery life and in rare cases screen shattering.</p> <p><strong>On your beach towel </strong></p> <p>Notice a theme here? The extreme sun and heat at the beach is a recipe for phone disaster. Protect your device after you finish taking beautiful beach pictures. Hot and sunny conditions could, again, cause your phone to overheat – and getting sand in your phone won’t help either.</p> <p><strong>Anywhere in the bathroom</strong></p> <p>Although phones could arguably be the new newspaper, it’s not a good idea to take yours into the bathroom. Even if you keep your device on a counter or away from the toilet, anything within a metre of a flushing toilet could mean bacteria or viruses in the air end up on your phone, according to a study published in Applied and Environmental Microbiology.</p> <p>“The detection of bacteria and viruses falling out onto surfaces in bathrooms after flushing indicated that they remain airborne long enough to settle on surfaces throughout the bathroom,” wrote the study authors.</p> <p><em>Image credits: Getty Images</em></p> <p><em>This article originally appeared on <a href="https://www.readersdigest.com.au/healthsmart/8-places-you-should-never-keep-your-phone" target="_blank" rel="noopener">Reader's Digest</a>. </em></p>

Technology

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One humble Sydney pub's big plans for Princess Mary's coronation

<p>A pub in Sydney has shared their plans to celebrate Crown Princess Mary's coronation as she ascends to the Danish throne. </p> <p>The Slip Inn, a Merivale-owned pub near Sydney's Darling Harbour, was where Princess Mary met Denmark's Prince Frederik in 2000 during the Olympic Games. </p> <p>Now, the Aussie princess is set to become Queen of Denmark following the shock announcement of the abdication of Queen Margrethe, who announced she will be handing the throne to her son as of January 14th. </p> <p>In celebration of the Princess Mary <a href="https://oversixty.com.au/lifestyle/family-pets/crown-princess-mary-set-to-make-history" target="_blank" rel="noopener">making history</a> as the first Aussie to ever hold the title of Queen Consort, the Slip Inn have shared their plans for coronation day. </p> <p>The pub will be honouring the occasion with a Danish themed menu and decorations ahead of a busy weekend expected to attract tourists and royal punters.</p> <p>The Slip Inn is closed on Sunday, so there will be no live broadcast of the official proclamation ceremony taking place in Copenhagen, however the pub couldn’t let the day pass without paying tribute to the couple.</p> <p>Danish flags will fly throughout the venue, while Daisies, the national flower of Denmark, will adorn the venue and King and Queen thrones have been installed for people to pose on and take photos with.</p> <p>A special menu will feature hotdogs and a Scandinavian inspired cocktail titled “There’s Something About Mary”. </p> <p>The Danish-inspired menu will run at The Slip Inn for the whole month of January to celebrate the new King and Queen. </p> <p>Chief operating officer at Laundy Hotels Justin Tynan said the Sussex St pub was “the place to be” in Sydney’s thriving night-life scene of the time, and soon became the centre of royal attention after the couple disclosed it as their meeting place.</p> <p>“I think I did about 50 live crosses around the world when the news broke,” he said of the time.</p> <p>“The Danish flag still hangs out the front of the building but back in the day we put Carlsberg beer on, we put Danish food on the menu, we had buses turning up with Danish tourists just wanting to see exactly where they were.”</p> <p>“It was absolutely crazy.” </p> <p><em>Image credits: Getty Images </em></p>

Relationships

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Poh reveals birthday plans for her big 5-0

<p>Aside from her cooking skills, <em>MasterChef's </em>Poh Ling Yeow is also known for her “ageless beauty” and this year, the beloved cook is gearing up for a double celebration. </p> <p>“My 50th birthday falls close to Christmas, and my dad wants to combine the two celebrations this year,” she told <em>Yahoo Lifestyle</em>. </p> <p>Poh told the publication that she opted to merge her birthday celebration and Christmas festivities in an effort to make the holiday season “stress-free” for her and her loved ones. </p> <p>“The key to a stress-free Christmas is reducing your personal workload, and I can’t think of a better way to get into the festive spirit than sharing preparations for the big day with family. It’s always potluck at the Yeow family Christmas!”</p> <p>And as you'd expect from a seasoned chef, this year's menu consists of a few of her own “centrepiece mains”.</p> <p>Her other tip for reader's at home hoping to make Christmas more stress-free is to ask guests to bring a side or dessert.</p> <p>“I love a grated beet, chickpea and mint salad with white balsamic that’s full of crunch and almost like a pickle,” she said. </p> <p>"Also, a Thai roast chicken and glass vermicelli salad, and a Korean japchae (sweet potato noodle salad).</p> <p>“My family, bless them, loves a proper retro trifle. It starts with making finger jello by adding 1 tablespoon of powdered gelatine to a raspberry or strawberry jelly so you can easily cut them into cubes after it’s set." </p> <p>She then shared her tip for making the trifle. </p> <p>“Then it’s just a matter of layering sliced, store-bought jam rollettes drowned in regular strawberry jelly mixture, tinned peaches, fresh strawberries, custard made with powdered custard mix, fresh cream then piling on the prepared jelly cubes.”</p> <p><em>Images: Yahoo Lifestyle</em></p>

Food & Wine

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The Beast's exciting Down Under plans

<p>Mark Lambett, better known as The Beast on <em>The Chase Australia</em> is living in a state of "pure happiness" with his girlfriend.</p> <p>Months after going public, Mark and his partner, British presenter Hayley Palmer, are busy planning the next stage of their relationship. </p> <p>The couple could be heading to Australian shores, as Palmer told <a href="https://7news.com.au/entertainment/celebrity/the-chase-star-mark-the-beast-labetts-girlfriend-hayley-palmer-tells-of-australia-plans-c-12666368" target="_blank" rel="noopener"><em>7News</em></a> that it would be "a dream" to spend some quality time Down Under. </p> <p>“I would love to come out to Australia. Mark and I have talked about it,” she said. </p> <p>“I have been to Sydney and Manly Beach is my favourite,” she says, adding that the picturesque ferry ride from the city is part of the fun.</p> <p>“So I really do hope to come out — that would be an absolute dream. I must put it on my vision board.”</p> <p>Palmer admitted that part of her love of Australia comes from watching <em>Home and Away</em>, with the Channel 7 soap showcasing influencing her love of the country's sandy beaches. </p> <p>“I am a huge Home and Away fan. Anyone will tell you that. I absolutely love it,” the presenter says.</p> <p>A trip to Australia would be a welcome holiday for the couple, who have been doing long distance for most of their relationship. </p> <p>Lambett has been in Australia filming the local version of <em>The Chase</em> game show, while Palmer has been working in her native England. </p> <p>It is because of this that they have learned to embrace “long distance”, with Palmer convinced it is why their relationship “really works”.</p> <p>“I think regarding the long distance, we both have our passions and dreams that we follow, so you have your own thing going on and then when you come back with your partner it is the cherry on top,” she says.</p> <p>“It’s a lovely feeling when you get together."</p> <p>“We’re both quite similar like that. We’re always busy and we come together and it’s pure happiness.”</p> <p><em>Image credits: Instagram </em></p>

Relationships

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“Coast-to-coast”: Rinehart's radical plan to save the Commonwealth Games

<p>The 2026 Commonwealth Games has faced grim uncertainty ever since the <a href="https://www.oversixty.com.au/finance/money-banking/i-m-not-here-to-apologise-dan-andrews-fires-up-as-comm-games-is-scrapped" target="_blank" rel="noopener">Victorian government withdrew its commitment to host the event</a>, leaving Australia in a precarious situation.</p> <p>However, a new and radical proposal by Australia's wealthiest individual, Gina Rinehart, supported by Gold Coast Mayor Tom Tate and Perth Lord Mayor Basil Zempilas, suggests a unique solution to save the Games. Rinehart's proposal involves hosting the event in two cities at opposite ends of the country – the Gold Coast and Perth.</p> <p>The initial plan by the Victorian government to host the Games across multiple towns in regional Victoria was abandoned due to the reported $4 billion price tag. This decision left Australia without a host city for the 2026 Games, and no alternative has been proposed since. Additionally, the withdrawal of support from the Canadian city Alberta for the 2030 event further complicated the future of the Commonwealth Games.</p> <p>Now, in a letter addressed to Prime Minister Anthony Albanese, Rinehart, Tate and Zempilas have suggested a bold coast-to-coast approach for the Commonwealth Games.</p> <p>The idea is to utilise existing facilities in the Gold Coast and Perth, with each city hosting a week of the Games. The proposal aims to showcase Australia on a national scale, providing a unique background for discussions with Commonwealth heads.</p> <p>“We believe that a coast-to-coast Games presents a special opportunity to showcase Australia and provides an excellent background for you to invite those heads of the Commonwealth you may wish to have further discussions with, and/or entertain,” the letter reads. “A background where Australia pulls well above its weight, and shines!”</p> <p>While the proposal has gained support from key figures, including Rinehart's assertion that it would not be too difficult to execute, some critics have raised practical concerns. Melbourne radio host Tom Elliott expressed skepticism about the feasibility of a dual-city approach, citing the vast distance between the Gold Coast and Perth, which is over 4000km.</p> <p>“You could not pick two cities in Australia that are further apart from each other," Elliott said on his 3AW radio talk show. </p> <p>He also questioned the logistical challenges, such as the need for two athletes' villages and the movement of officials and volunteers between the two cities: “To have a Commonwealth Games split between the Gold Coast and Perth, I just think is utter madness... The idea is that they do the first week of events on the Gold Coast and the second week in Perth. But think about it – unless every official and volunteer moves between the Gold Coast and Perth – and where would you put them all? They effectively have to recruit all the people again just to make the Games run. You’ve got to build two athletes villages. It’s just such a dumb idea.</p> <p>“I think we need to accept, as sad as this is, that the era of the Commonwealth Games is over. Not that many people watch it, not that many countries compete in it, it doesn’t make any money – that’s the reason cities don’t want to host it.”</p> <p>Rinehart's letter counters that criticism, claiming that the dual-city approach would be popular, in the national interest, and beneficial for athletes and cities. She contends that the proposal would be more popular and less expensive than other recent expenditures, suggesting that funds allocated for other purposes, such as Papua New Guinea football, could be redirected to improve Australian facilities for the Commonwealth and later Olympic Games.</p> <p>Rinehart's bold proposal to host the 2026 Commonwealth Games in two cities at opposite ends of Australia certainly presents a novel solution. While critics question the practicality of the idea, proponents believe it could not only save the Games but also showcase Australia on a grand scale. As discussions unfold, the fate of the Commonwealth Games hangs in the balance, with Rinehart's vision offering a unique and ambitious alternative.</p> <p><em>Images: Getty / Facebook</em></p>

Money & Banking

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

<p><em><a href="https://theconversation.com/profiles/paul-haskell-dowland-382903">Paul Haskell-Dowland</a>, <a href="https://theconversation.com/institutions/edith-cowan-university-720">Edith Cowan University</a> and <a href="https://theconversation.com/profiles/ismini-vasileiou-1031778">Ismini Vasileiou</a>, <a href="https://theconversation.com/institutions/de-montfort-university-1254">De Montfort University</a></em></p> <p>Paying for things digitally is so common, most of us think nothing of swiping or tapping our card, or using mobile payments. While doing so is second nature, we may be more reluctant to provide card details over the phone.</p> <p>Merchants are allowed to ask us for credit card details over the phone – this is perfectly legal. But there are minimum standards they must comply with and safeguards to protect consumer data.</p> <p>So is giving your card details over the phone any more risky than other transactions and how can you minimise the risks?</p> <h2>How is my card data protected?</h2> <p>For a merchant to process card transactions, they are expected to comply with the <a href="https://docs-prv.pcisecuritystandards.org/PCI%20DSS/Standard/PCI-DSS-v4_0.pdf">Payment Card Industry Data Security Standard</a>. This is a set of security requirements designed to protect cardholder data and the trillions of dollars of transactions each year.</p> <p>Compliance involves various security measures (such as encryption and access controls) together with strong governance and regular security assessments.</p> <p>If the information stored by the merchant is accessed by an unauthorised party, encryption ensures it is not readable. That means stealing the data would not let the criminals use the card details. Meanwhile, access controls ensure only authorised individuals have access to cardholder data.</p> <p>Though all companies processing cards are expected to meet the compliance standards, only those processing large volumes are subject to mandatory regular audits. Should a subsequent data leak or misuse occur that can be attributed to a compliance failure, a <a href="https://www.csoonline.com/article/569591/pci-dss-explained-requirements-fines-and-steps-to-compliance.html">company can be penalised</a> at levels that can escalate into millions of dollars.</p> <p>These requirements apply to all card transactions, whether in person, online or over the phone. Phone transactions are likely to involve a human collecting the card details and either entering them into computer systems, or processing the payment through paper forms. The payment card Security Standards Council has <a href="https://docs-prv.pcisecuritystandards.org/Guidance%20Document/Telephone-Based%20Payments/Protecting_Telephone_Based_Payment_Card_Data_v3-0_nov_2018.pdf">detailed guides for best practice</a>:</p> <blockquote> <p>A policy should be in place to ensure that payment card data is protected against unauthorised viewing, copying, or scanning, in particular on desks.</p> </blockquote> <p>Although these measures can help to protect your card data, there are still risks in case the details are misplaced or the person on the phone aren’t who they say they are.</p> <h2>Basic tips for safe credit card use over the phone</h2> <p>If you provide card details over the phone, there are steps you can take to minimise the chance you’ll become the victim of fraud, or get your details leaked.</p> <p><strong>1. Verify the caller</strong></p> <p>If you didn’t initiate the call, hang up and call the company directly using details you’ve verified yourself. Scammers will often masquerade as a well-known company (for example, an online retailer or a courier) and convince you a payment failed or payment is needed to release a delivery.</p> <p>Before you provide any information, confirm the caller is legitimate and the purpose of the call is genuine.</p> <p><strong>2. Be sceptical</strong></p> <p>If you are being offered a deal that’s too good to be true, have concerns about the person you’re dealing with, or just feel something is not quite right, hang up. You can always call them back later if the caller turns out to be legitimate.</p> <p><strong>3. Use secure payment methods</strong></p> <p>If you’ve previously paid the company with other (more secure) methods, ask to use that same method.</p> <p><strong>4. Keep records</strong></p> <p>Make sure you record details of the company, the representative you are speaking to and the amount being charged. You should also ask for an order or transaction reference. Don’t forget to ask for the receipt to be sent to you.</p> <p>Check the transaction against your card matches the receipt – use your banking app, don’t wait for the statement to come through.</p> <h2>Virtual credit cards</h2> <p>In addition to the safeguards mentioned above, a <a href="https://www.forbes.com/advisor/credit-cards/virtual-credit-card-numbers-guide/">virtual credit card</a> can help reduce the risk of card fraud.</p> <p>You probably already have a form of virtual card if you’ve added a credit card to your phone for mobile payments. Depending on the financial institution, you can create a new credit card number linked to your physical card.</p> <p>Some banks extend this functionality to allow you to generate unique card numbers and/or CVV numbers (the three digits at the back of your card). With this approach you can easily separate transactions and cancel a virtual card/number if you have any concerns.</p> <h2>What to do if you think your card details have been compromised or stolen?</h2> <p>It’s important not to panic, but quick action is essential:</p> <ul> <li> <p>call your bank and get the card blocked so you won’t lose any more money. Depending on your situation, you can also block/cancel the card through your banking app or website</p> </li> <li> <p>report the issue to the police or other relevant body</p> </li> <li> <p>monitor your account(s) for any unusual transactions</p> </li> <li> <p>explore card settings in your banking app or website – many providers allow you to limit transactions based on value, restrict transaction types or enable alerts</p> </li> <li> <p>you may want to consider registering for <a href="https://theconversation.com/your-credit-report-is-a-key-part-of-your-privacy-heres-how-to-find-and-check-it-116999">credit monitoring services</a> and to enable fraud alerts.</p> </li> </ul> <h2>So, should I give my card details over the phone?</h2> <p>If you want to minimise risk, it’s best to avoid giving card details over the phone if you can. Providing your card details via a website still has risks, but at least it removes the human element.</p> <p>The best solution currently available is to use virtual cards – if anything goes wrong you can cancel just that unique card identity, rather than your entire card.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/216833/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/paul-haskell-dowland-382903">Paul Haskell-Dowland</a>, Professor of Cyber Security Practice, <a href="https://theconversation.com/institutions/edith-cowan-university-720">Edith Cowan University</a> and <a href="https://theconversation.com/profiles/ismini-vasileiou-1031778">Ismini Vasileiou</a>, Associate Professor, <a href="https://theconversation.com/institutions/de-montfort-university-1254">De Montfort University</a></em></p> <p><em>Image credits: Getty Images</em></p> <p><em>This article is republished from </em><a style="font-style: italic;" href="https://theconversation.com">The Conversation</a><em> under a Creative Commons license. Read the </em><a style="font-style: italic;" href="https://theconversation.com/how-risky-is-it-to-give-card-details-over-the-phone-and-how-do-i-reduce-the-chance-of-fraud-216833">original article</a><em>.</em></p>

Money & Banking

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Downsizing cost trap awaits retirees – five reasons to be wary

<p><em><a href="https://theconversation.com/profiles/erika-altmann-361218">Erika Altmann</a>, <a href="https://theconversation.com/institutions/university-of-tasmania-888">University of Tasmania</a></em></p> <p>It’s time to debunk the myth of zero housing costs in retirement if we want to understand why retirees resist downsizing. Retirees have at least five reasons to be wary of the costs of downsizing.</p> <p>Retirees living in middle-ring suburbs face frequent calls to downsize into apartments to free up larger allotments in these suburbs for redevelopment. Retirees who fail to downsize into smaller units and apartments are viewed as being a greedy, baby-boomer elite, stealing financial security from younger generations.</p> <p>It also makes sense to policymakers for retirees to move into less spacious accommodation and make way for high-density housing. Housing think-tank AHURI <a href="http://www.ahuri.edu.au/__data/assets/pdf_file/0021/14079/AHURI_Final_Report_No_286_Australian-demographic-trends-and-implications-for-housing-assistance-programs.pdf">fosters this view</a>. Yet seniors remain resistant to moving, in part because of the ongoing costs they would face.</p> <p>The concept of zero housing costs in retirement is based on a 1940s view of a well-maintained, single dwelling on a single allotment of land where the mortgage has been paid off. This concept is incompatible with medium- and high-density housing and refusing to acknowledge ongoing housing costs may cause significant poverty for retirees.</p> <h2>Reason 1 – upfront moving costs are high</h2> <p>When a house is sold the owner receives the sale funds minus the real estate and legal fees. When the same person then buys a different property to live in, they pay legal fees plus stamp duty.</p> <p>For cities such as Melbourne and Sydney, these costs are likely to exceed A$70,000.</p> <p>These high transfer costs may mean it is not cost-effective <a href="https://theconversation.com/why-older-australians-dont-downsize-and-the-limits-to-what-the-government-can-do-about-it-76931">for the person to move</a>.</p> <h2>Reason 2 – levies are high</h2> <p>Because apartment owners pay body corporate levies, people often assume this is just the same as periodic payment of rates, water, insurance and other costs. It is not.</p> <p>Fees remissions for low-income retirees for rates, power, insurance and water are difficult to apply within a body corporate environment. As a consequence, these are usually not applied to owners of apartments.</p> <p>The costs of maintaining essential services, such as mandatory fire-alarm testing, yearly engineering certification, lift and air-conditioning inspections, significantly increase ownership costs.</p> <p>When additional services are supplied, such as swimming pools, gyms and rooftop gardens, these also require periodic inspections. Garbage collection, cleaning, gardening, concierge and strata management services also <a href="https://eprints.utas.edu.au/cgi/users/home?screen=EPrint%3A%3AView&amp;eprintid=23322">must be paid</a>.</p> <p>Owners of standard suburban homes choose whether they want these services, with those on fixed incomes going without them.</p> <p>Annual levies for apartment buildings vary, but expect to pay between $10,000 and $15,000. They <a href="https://www.strata.community/understandingstrata/faqs">may be more than this</a>.</p> <h2>Reason 3 – costs of maintenance</h2> <figure class="align-right "><figcaption></figcaption></figure> <p>Apartments are often sold as a maintenance-free solution for older people. The maintenance is not free. It needs to be paid for.</p> <p>Maintenance costs are higher in an apartment than a standard suburban home because there are more items and services to be maintained and fixed. Lifts and air conditioning need periodic servicing and fixing. This is in addition to the mandatory inspections listed above.</p> <h2>Reason 4 – loss of financial security</h2> <p>It is a mistaken belief that the maintenance costs that form part of the body corporate fee include periodic property upgrades. This relates to items that are owned collectively with other apartment owners.</p> <p>Major servicing at the ten-year mark and usually each five-to-seven years after that include painting, floor-covering replacement, and lift and air-conditioning repair or replacement.</p> <p>Major upgrades may also include garden redesign or other external building enhancement including <a href="https://eprints.utas.edu.au/cgi/users/home?screen=EPrint%3A%3AView&amp;eprintid=23315">environmental upgrades</a>. All owners share these upgrade costs.</p> <p>Costs of upgrading the inside of an apartment (a bathroom disability upgrade, for example) are additional again.</p> <p>Once the body corporate committee members pledge funds towards an upgrade, all owners are required to raise their share of the funds, whether they can afford it or not. Communal choice outweighs an individual owner’s need to delay upgrade costs.</p> <p>Owners who buy apartments that are part of a body corporate effectively lose control of their future financial decisions.</p> <h2>Reason 5 – loss of security of tenure</h2> <p>Loss of security of tenure is usually associated with renters. However, the recent introduction of <a href="http://www.lpi.nsw.gov.au/__data/assets/pdf_file/0009/25965/Termination_of_a_strata_scheme_by_RG.pdf">termination legislation</a> in New South Wales gives other owners the right to vote to terminate a strata title scheme. When this occurs, all owners, including reluctant owners of apartments within that scheme, are compelled to sell.</p> <p>There are valid reasons why termination legislation is desirable, as many older apartment complexes are reaching the end of their useful life.</p> <p>Even so, as termination legislation is rolled out across the states, owner- occupiers effectively lose control of how long they will own a property for. They no longer have security of tenure, which means retirees may face an uncertain housing future in their old age.</p> <h2>Downsizing raises poverty risks</h2> <p>Because current data sets do not adequately take account of ongoing costs associated with apartment living, the effect of downsizing on individual households is masked.</p> <p>Downsizing retirees into the apartment sector creates ongoing financial stress for older people. Creating <a href="https://theconversation.com/it-will-take-more-than-piecemeal-reforms-to-convince-older-australians-to-downsize-51043">tax incentives to move</a> does not tackle these ongoing costs.</p> <p>Centrelink payments for of <a href="https://www.humanservices.gov.au/customer/services/centrelink/age-pension">$404 per week</a> are well below <a href="http://acoss.wpengine.com/poverty-2/">the poverty line</a>. Yet we expect retirees to willingly downsize and to be able to cede most of their Centrelink payments to cover high body corporate costs.</p> <p>Requiring retirees to downsize for the greater urban good will shift poverty onto retirees who could barely manage in their previously owned standard suburban home.</p> <p>Failing to understand the effect of high ongoing costs associated with apartment living and reinforcing the myth of zero housing costs in retirement will continue to lead to poor policy outcomes.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/80895/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><a href="https://theconversation.com/profiles/erika-altmann-361218"><em>Erika Altmann</em></a><em>, Property and Housing Management Researcher, <a href="https://theconversation.com/institutions/university-of-tasmania-888">University of Tasmania</a></em></p> <p><em>Image credits: Getty Images</em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/downsizing-cost-trap-awaits-retirees-five-reasons-to-be-wary-80895">original article</a>.</em></p>

Retirement Income

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When King Charles is planning to visit Australia

<p>King Charles is preparing to make his first visit to Australia as a monarch. </p> <p>According to reports from the British Media, King Charles and Camilla are expected to head Down Under in late 2024. </p> <p>The reports of the visit comes after many have accused the royal family of snubbing Australia, after there was no offical visit from the royal family during the late Queen Elizabeth II's Platinum Jubilee, despite other royal family members travelling to Commonwealth countries. </p> <p>Prince William has also been called out for not travelling to Australia for the FIFA Women's World Cup final that took place in Sydney, which saw England take on Spain.</p> <p>While Buckingham Palace has yet to officially announce a visit by King Charles and Queen Camilla to Australia, the <a href="https://www.dailymail.co.uk/news/royals/article-12606099/Charles-monarchy-Australia-King-Sydney-trip.html" target="_blank" rel="noopener"><em>Mail on Sunday</em></a> has reported that royal aides are busy preparing for a trip to Sydney to coincide with the King's first attendance as the head of the Commonwealth at its meeting in Samoa.</p> <p>A senior Australian government minister told the publication that a royal visit would lead to a "renewed conversation" about the country having its own head of state.</p> <p>Assistant minister for the republic Matt Thistlethwaite said, "The King will always be welcome in Australia and greeted fondly by the Australian people."</p> <p>"But in modern-day Australia his visit will trigger a renewed conversation about having our own head of state who lives with us, represents us and is an Australian."</p> <p>However, shadow defence minister Andrew Hastie said, "The King will be very welcome on his first visit. There is a renewed enthusiasm for the Crown down-under and a sense that we share in something special and historic."</p> <p><em>Image credits: Getty Images</em></p>

Domestic Travel

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Sam Newman backs down on controversial Grand Final plans

<p>Sam Newman has remarkably backed down on his plans to boo during the Welcome to Country acknowledgement at the upcoming AFL grand final. </p> <p>The former AFL star <a href="https://oversixty.com.au/news/news/sam-newman-encourages-aussies-to-boo-during-welcome-to-country" target="_blank" rel="noopener">made waves</a> last week as he called for footy fans to boo and drown out the traditional welcome by First Nations Australians, with many quick to call his plans "racist" and "disrespectful". </p> <p>Newman even seemed to <a href="https://oversixty.com.au/news/news/sam-newman-grilled-point-blank-are-you-a-racist" target="_blank" rel="noopener">double down</a> on his claims that the Welcome to Country was somehow more divisive that uniting, as some outraged Aussies even called for him to be removed from thew AFL Hall of Fame. </p> <p>However, the 77-year-old has now quickly back-tracked his statements, saying he will not be booing during the Welcome to Country at the AFL grand final on Saturday. </p> <p>"I wouldn't boo at the grand final, but it was just a flippant throw away line, I disagree with the Welcome to Country at the grand final," he said on his podcast.</p> <p>"My point is that every single thing you go to now, you go into a library, you go into anywhere at all, the whole thing starts with it."</p> <p>"The whole thing makes you feel guilty for being here."</p> <p>"When is it ever enough that we say 'hang on a minute, this is enough, how much further do we want to keep going?'"</p> <p>Newman again went on to say that he believed the Welcome to Country ceremony does not "unite us".</p> <p>"I said last week that we should boo the Welcome to Country, it was an extravagant statement."</p> <p>"(The Welcome to Country has) gone overboard and the social elites are only trying to placate their own white prejudice by feeling virtuous that they keep going on and on with this."</p> <p>"This is why I criticised the AFL, it's just become a minefield of nonsense, they've got to pull it back."</p> <p>"(It's) not uniting us, that is my point. Standing on the MCG on grand final day and saying 'you're welcome to the country and we give you permission to play on the ground', that's not uniting us."</p> <p>"That's showing the world that we are a divided nation, that's my point."</p> <p>Since Sam Newman's original statement, senator <span style="caret-color: #212529; color: #212529; font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif, 'Apple Color Emoji', 'Segoe UI Emoji', 'Segoe UI Symbol', 'Noto Color Emoji'; font-size: 16px; background-color: #ffffff;">Lidia Thorpe has </span><span style="color: #212529; font-family: -apple-system, BlinkMacSystemFont, Segoe UI, Roboto, Helvetica Neue, Arial, sans-serif, Apple Color Emoji, Segoe UI Emoji, Segoe UI Symbol, Noto Color Emoji;">blasted his comments, saying he is missing the point on what the Welcome to Country is about. </span></p> <p style="font-size: 16px; box-sizing: border-box; margin-top: 0px; margin-bottom: 1rem; caret-color: #212529; color: #212529; font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif, 'Apple Color Emoji', 'Segoe UI Emoji', 'Segoe UI Symbol', 'Noto Color Emoji';">"Sam Newman, I'm not sure why he's even in the news. He's irrelevant to any debate of the time," she said on <em>Today</em>.</p> <p style="font-size: 16px; box-sizing: border-box; margin-top: 0px; margin-bottom: 1rem; caret-color: #212529; color: #212529; font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif, 'Apple Color Emoji', 'Segoe UI Emoji', 'Segoe UI Symbol', 'Noto Color Emoji';">"It's about peace. The whole message behind it is respect."</p> <p style="font-size: 16px; box-sizing: border-box; margin-top: 0px; margin-bottom: 1rem; caret-color: #212529; color: #212529; font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif, 'Apple Color Emoji', 'Segoe UI Emoji', 'Segoe UI Symbol', 'Noto Color Emoji';"><em>Image credits: Getty Images</em></p>

News

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Deborra-Lee Furness speaks out for the first time since separation

<p>Deborra-Lee Furness has broken her silence for the first time since announcing her and Hugh Jackman were separating after 27 years of marriage. </p> <p>Just one week after the news of their split made headlines, Deborra-Lee answered a cold call from Kyle and Jackie O, live on their radio show. </p> <p>Sandilands admitted he wasn't expecting Furness to answer the call, as they didn't realise they hit the dial button. </p> <p>“Seriously, this isn’t a stitch up,” Sandilands told Furness when she picked up on <em>The Kyle &amp; Jackie O Show</em>. </p> <p>“We didn’t mean to actually call you. But now you’re here, we won’t go into it. We love you, we hope you’re well.”</p> <p>“Thank you, guys. I really appreciate it. You’re really sweet,” Furness told Sandilands and Henderson.</p> <p>Feeling bad, Sandilands stressed that the duo weren’t after a scoop about their separation as they did not want to pry so early after the couple's split. </p> <p>“I just feel it’s too soon,” the shock jock told Furness over the phone. “I don’t want to get involved in anything. But we love you, and you ring us when you want to chat.”</p> <p>Before hanging up, Furness again said, “Thank you, guys. I really, really appreciate it.”</p> <p>Henderson praised Sandilands after the phone call, telling him “that was the right thing to do” – and he agreed.</p> <p>“I’m not here to stitch anyone up in the worse time in their life,” he explained. </p> <p>Despite Kyle's offer to Deb for her to chat about the divorce, Hugh and Deborra-Lee made in clear in their separation announcement that the statement would be the one and only time they will both speak publicly about the break-up.</p> <p>“This is the sole statement either of us will make,” they wrote. </p> <p>The Hollywood couple <a href="https://oversixty.com.au/lifestyle/relationships/hugh-jackman-devastated-after-marriage-split" target="_blank" rel="noopener">shocked the world</a> on September 15th when they released a statement confirming their separation after being married for 27 years.</p> <p>“We have been blessed to share almost three decades together as husband and wife in a wonderful, loving marriage,” Jackman and Furness told <em><a href="https://people.com/hugh-jackman-and-deborra-lee-jackman-separate-exclusive-7970286" target="_blank" rel="noopener" data-link-type="article-inline">People</a></em>.</p> <p>“Our journey now is shifting and we have decided to separate to pursue our individual growth."</p> <p><em>Image credits: Getty Images</em></p>

Relationships

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Why you need to stop charging your phone overnight

<p><strong>You charge your phone all night </strong></p> <p>Waking up to a fully charged phone may seem like a great way to start the day, but leaving your device plugged in overnight is a bad idea. When a phone has reached 100 per cent charge, it will continue to get trickle charges to keep it topped up at 100 percent.</p> <p>These extra charges keep the battery working non-stop. In fact, it’s better not to fully charge lithium-ion batteries because high voltage stresses the battery and wears it out over time, according to technology company Cadex.</p> <p><strong>You use vibrations for notifications</strong></p> <p>Your phone, like any other tool or device, ages and loses effectiveness the more you use it, says David Steele, the Director of Business Development for EverydayPhone. So little extras, like vibrating notifications, are habits that make your phone’s job harder. </p> <p>“The issue with these habits essentially boils down to having your phone constantly running at full capacity when it’s unnecessary,” Steele says. “Just like us, a phone needs a break to avoid burning out.”</p> <p><strong>You keep apps open that you're not using</strong></p> <p>Unused apps can eat up the battery life of smartphones, according to Andrew Moore-Crispin, the Director of Content at Ting Mobile. “If you open an app once and never use it again, the app might still run in the background,” he says.</p> <p>Swiping out of apps you aren’t using or no longer need is an easy solution. Moore-Crispin says doing so extends the battery life of your phone while also freeing up valuable storage space, too.</p> <p><strong>You allow unnecessary permissions</strong></p> <p>Ride-sharing apps need your location to pick you up, but other apps might not need this permission. Moore-Crispin suggests you be picky about which apps you grant such permissions to and take away permissions you deem unnecessary.</p> <p><strong>You have one of these apps</strong></p> <p>The apps that drain your battery the most are Snapchat, Google Maps, Netflix, Amazon, and Facebook, according to AdWeek. The Guardian found that uninstalling the Facebook mobile app from Android phones saves people up to 20 percent of their battery life.</p> <p>If you also get rid of the FB Messenger app, other app load times could speed up by 15 per cent, per the Guardian. The reason Facebook particularly kills battery life is because it keeps running in the background – even when you’re not using it, Business Insider reports.</p> <p><strong>Your screen is always extremely bright </strong></p> <p>Gone are the days of tiny phone screens, but before you give the thumbs up emoji, understand how the bigger screens of today can be a phone battery’s worst enemy, according to Moore-Crispin. Make sure you turn on adaptive brightness in the display menu.</p> <p>This change means your phone will automatically adjust the screen brightness to match your environment. As a bonus, set the brightness level to the lowest possible and lower your screen’s timeout, which is what determines how long it stays lit before fading when it goes idle.</p> <p><strong>You keep your phone out at the beach</strong></p> <p>Extreme heat or extreme cold temperatures and other weather conditions can shorten the life of your phone. According to Time, excess heat can cause everything from data loss or corruption to battery leakage. Cold weather presents just as many issues. In cold temperatures, some smartphones shut off, have display problems, or run out of battery; in rare cases screens may shatter.</p> <p><strong>You keep your phone in your bed or under your pillow </strong></p> <p>Tucking your phone under your pillow when you sleep is another way to shorten its life, thanks to heat build-up.</p> <p><strong>You don't keep your software up to date</strong></p> <p>utting off device updates does more harm than good for your phone. iPhone and Android makers push updates to make your user experience better and so that your phone functions properly. These updates come with extra benefits, too. In fact, if your device has a weak battery or other issues, these software updates could remedy them, Popular Science reports. Make sure to keep up with app-specific updates as well.</p> <p><em>Image credits: Getty Images</em></p> <p><em>This article originally appeared on <a href="https://www.readersdigest.com.au/home-tipsscience-technology/why-you-need-to-stop-charging-your-phone-overnight" target="_blank" rel="noopener">Reader's Digest</a>. </em></p>

Technology

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Five things to do before you die – because planning your eventual demise takes preparation

<p><em><a href="https://theconversation.com/profiles/hui-yun-chan-715995">Hui Yun Chan</a>, <a href="https://theconversation.com/institutions/university-of-huddersfield-1226">University of Huddersfield</a></em></p> <p>Many people who are struck with sudden, progressive or terminal illness are <a href="https://theconversation.com/why-are-patients-in-permanent-comas-routinely-kept-alive-43365">kept alive mechanically</a>, while families and doctors make decisions about treatment. As a researcher in medical law, particularly end-of-life decision-making, I have seen how this can become a minefield of legal and ethical problems.</p> <p>UK law allows people to plan in advance of any debilitating illness, and thus have some control over future treatment. This is known as “<a href="https://www.nhs.uk/conditions/end-of-life-care/advance-decision-to-refuse-treatment/">advance decisions</a>”. While these laws are in place, research shows the <a href="https://rm.coe.int/cdcj-2017-2e-final-rapport-vs-21-06-2018/16808b64ae">majority of people disregard or defer the discussions</a> primarily because they do not know how to raise them, or what to expect.</p> <p>While planning for your eventual demise probably sounds as fun as pulling teeth, it can be empowering. Following from <a href="https://pure.hud.ac.uk/en/publications/advance-directives-rethinking-regulation-autonomy-amp-healthcare-">my recent book</a>, here are five tips for how you can use the law to help you plan for what you want in the future – and make your voice heard when you may no longer have one.</p> <h2>1. Gather information from experts</h2> <p>First, you must think, gather information and talk to experts about how life can unfold in the case of progressive illness. This is important whether you are well but thinking about future incapacity, or whether you have actually been <a href="https://www.4pb.com/case-detail/re-ak-medical-treatment-consent/">diagnosed with illness</a>.</p> <p>A solicitor with expertise in advance directives can help you understand important laws, such as those that dictate when a person has <a href="https://www.legislation.gov.uk/ukpga/2005/9/contents">sufficient “mental capacity”</a> to make lawful decisions. Lawyers can help you draft your will, and advise on how to protect or pass on your estate – including <a href="https://www.gov.uk/inheritance-tax">hidden costs</a>. They can also help you <a href="https://www.gov.uk/power-of-attorney">nominate someone</a> to make medical decisions for you when you become incapacitated, and decide the limits of their power. Do not just assume that your family members automatically have the power to decide for you legally.</p> <p>If you are ill, ask a doctor to inform you how your condition will progress so you can decide how you will deal with future events. For example, with dementia and other progressive illnesses, you must consider what quality of life you would tolerate. Similarly, in the case of pain, what treatment you would accept or refuse?</p> <p>Think big picture about your future life. Would you trade quantity of life for quality, opting for less time but with better quality of life?</p> <h2>2. Setting your decisions in stone</h2> <p>Now you have made some important decisions, the next step is about making these decisions clear in the right way, to the right people, and at the right time.</p> <p>I have <a href="https://www.springer.com/gp/book/9783030009755#aboutBook">documented many cases</a> across England and Wales where advance directives are disputed because they are invalid or inapplicable and there is a dispute about whether they are still legally able to make decisions. Considering your health, you may want to get a <a href="https://www.bma.org.uk/advice/employment/ethics/mental-capacity/assessing-mental-capacity">formal assessment</a> of your mental state and ability to make decisions. You should record any conversations you have in writing. Documents that show you have been supported (by friends, family or professionals) in your decision-making boost the validity of your choices, <a href="https://brill.com/view/journals/ejhl/25/1/article-p24_24.xml?lang=en">making them more binding</a> for healthcare professionals.</p> <p>Legally, just revealing your treatment preferences to your doctor or friends <a href="https://swarb.co.uk/w-healthcare-nhs-trust-v-kh-ca-17-sep-2004/">is not enough</a>. Writing things down is important, though never easy. Ask family or friends to support you in this process. If a loved one is aware of the choices you have made they are less likely to object to your medical decisions because they have been part of the decision process.</p> <h2>3. Update when your situation changes</h2> <p>Many people are caught out when their <a href="https://compassionindying.org.uk/making-decisions-and-planning-your-care/planning-ahead/advance-decision-living-will/review-update/">personal situation changes</a>, but they have failed to update their advance directives to reflect this – such as changing romantic relationships. Family conflict by your bedside is the last thing you want. Even if your circumstances are the same, regularly update to avoid “what was I thinking?” moments when it’s too late.</p> <h2>4. Make sure it gets found</h2> <p>Inform your family, doctors and lawyers what your advance directives are <em>and</em> where to find them. If the right people don’t have access to your directives, they are useless. In a recent example, the family of a Warwickshire woman was granted a £45,000 payout after she was <a href="https://www.bbc.co.uk/news/uk-england-coventry-warwickshire-42240148">kept alive for 22 months against her will</a> – as the relevant documents had been misplaced.</p> <h2>5. Don’t forget your online life</h2> <p>Discussions on social media about how you wish to spend your twilight days may help as <a href="https://brill.com/view/journals/ejhl/25/1/article-p24_24.xml?lang=en">supporting information</a> to ensure the wishes in your advance directives are strengthened. You should also think about who you want to be granted (or denied) access to your online accounts and social media after your death. Streamlining this process, you can now <a href="https://www.theatlantic.com/technology/archive/2013/04/google-death-a-tool-to-take-care-of-your-gmail-when-youre-gone/274934/">create a social media will</a> online.</p> <p>Drafting an advance directive is an exercise in liberty. It allows our beliefs and preferences to be made clear even when we are physically or mentally unable to express them ourselves. An advance directive is our voice when we no longer have one. Use your voice wisely.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/122296/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/hui-yun-chan-715995">Hui Yun Chan</a>, Senior Lecturer in Law, <a href="https://theconversation.com/institutions/university-of-huddersfield-1226">University of Huddersfield</a></em></p> <p><em>Image credits: Getty Images</em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/five-things-to-do-before-you-die-because-planning-your-eventual-demise-takes-preparation-122296">original article</a>.</em></p>

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