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Five signs in your senior pet you shouldn’t ignore

<p dir="ltr">Just like humans, pets can become susceptible to health complications as they age. </p> <p dir="ltr">Cats are considered senior at around 11 years, and many dogs are considered senior from about seven years old, depending on their breed. </p> <p dir="ltr">As your furry friends get older, it's important to look out for these five changes in your pet, because if caught early, addressing them promptly may significantly improve their well-being, lifespan and quality of life. </p> <p dir="ltr"><strong>Dramatic weight changes</strong></p> <p dir="ltr">If your pet either loses or gains weight dramatically, it’s time to book an appointment at the vets. </p> <p dir="ltr">Significant weight changes can signal issues such as heart disease, diabetes, liver disease, or alterations in metabolism and muscle tone, which are sometimes associated with ageing.</p> <p dir="ltr"><strong>Increased thirst</strong></p> <p dir="ltr">An increase in thirst, and in turn an increase in urination, could be the sign of several health conditions such as kidney disease or diabetes. </p> <p dir="ltr">Addressing these symptoms early can help manage the condition and drastically improve your pet's quality of life.</p> <p dir="ltr"><strong>Changes in appetite</strong></p> <p dir="ltr">Several health problems in pets can manifest in a change of appetite, whether it's a decrease or increase in hunger. </p> <p dir="ltr">Changes in appetite might be due to dental issues, gastrointestinal problems, diabetes or more severe conditions like cancer. </p> <p dir="ltr"><strong>Signs of chronic pain</strong></p> <p dir="ltr">Chronic pain can present in pets in many different ways, such as Repeated chewing, biting, or scratching at a specific area, altered activity levels, reluctance to move or jump, or poor response to medications.</p> <p dir="ltr">If your furry friend looks like they are struggling to move, or are slower when getting up and down, it's time to schedule a trip to the vet.</p> <p dir="ltr"><strong>Changes in demeanour </strong></p> <p dir="ltr">As pets age, they can experience similar symptoms to humans, such as changes in vision, hearing and general confusion. </p> <p dir="ltr">Some pets can even experience dementia, with symptoms including anxiety, aimless wandering, decreased appetite, and notable shifts in behaviour. </p> <p dir="ltr">Although there is no cure, management is possible through medication, dietary adjustments, and lifestyle changes and available under veterinary guidance.</p> <p dir="ltr"><em>Image credits: Shutterstock </em></p>

Family & Pets

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Readers response: What advice would you give to seniors looking to start a new relationship?

<p>When entering the dating world, there are always nerves, expectations and excitement at any age.</p> <p>But when it comes to dating and starting new relationships in your senior years, priorities can be skewed, and meeting someone can be nerve-wracking. </p> <p>We asked our readers what advice they would you give to seniors looking to start a new relationship, and the response was overwhelming. Here's what they said. </p> <p><strong>Judy Chappell</strong> - Don’t! Nothing better than independence &amp; freedom late in life after 63 years married. I have my kids, grandkids, great grandies &amp; great friends that’s enough for me. Don’t need another male around.</p> <p><strong>Jan Heggie</strong> - If it feels right, do it. If it doesn’t feel right after a while, leave. Life is too short to not enjoy it.</p> <p><strong>Karen Simpson Nikakis</strong> - Put legals in place to protect your assets, do not cohabit or marry, and split all bills. </p> <p><strong>Lois Hone </strong>- Be true to yourself. Choose someone who completes you, the one person you feel you can’t live without. The one person, who makes you smile, laugh and is still there when you are sad and hurt and wants to support you. Oh and if they like to cook and clean as well, go for it!</p> <p><strong>Julie Fause</strong>r - Live each in your own home.</p> <p><strong>Marilyn Langelaar </strong>- Do not compare to previous partner.</p> <p><strong>Janet Olsson</strong> - Be careful. Don't rush into anything.</p> <p><strong>Lynn Dilley</strong> - Just go for it if you are happy and feel safe, but keep your money and documents to yourself.</p> <p><strong>Merle Finlayson</strong> - Go for it! It’s never too late.</p> <p><strong>Margot R McCamley </strong>- Enjoy the relationship, but there are always buts so tread carefully. Think it through thoroughly, but don't dismiss it as folly.</p> <p><em>Image credits: Shutterstock</em></p>

Relationships

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Readers response: What are your thoughts on online dating or dating apps for seniors?

<p>When it comes to dating, there are many ways people find their perfect person, and for many that happens online. </p> <p>We asked our readers what their thoughts are on an online dating app for seniors, and the responses were overwhelming. Here's what they said. </p> <p><strong>Kristeen Bon</strong> - I tried it for a bit, but found the men to be so unrealistic in their expectations. What they say they want and what they REALLY want are poles apart.</p> <p><strong>Helen Smith</strong> - It works great but men really need to look in a mirror now and then.</p> <p><strong>Sue Rowley</strong> - Personally, I’m happy on my own, but if you’re looking for a partner where else is there to meet someone? Pub, supermarket, dog walking? Not many options really, especially when you’re older.</p> <p><strong>Jenny Gordon</strong> - Would not consider it. Would prefer to stay single than see how friends and relatives have been affected by using them.</p> <p><strong>Ali Veldman</strong> - Risky at any age, in my opinion.</p> <p><strong>Diane Derby</strong> - I’d never entertain one. I like being by myself, plus two much catfishing and ghosting to be able to find a decent type.</p> <p><strong>Margaret Godfrey</strong> - Tried it. A dismal failure in a small population. What is the point of men interstate responding when you live a plane flight away?</p> <p><strong>John Coffey</strong> - Met my late partner online, and had a great 10 years. It can be a minefield though.</p> <p><em>Image credits: Shutterstock </em></p>

Relationships

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10 ways to cruise as a senior

<p>Just because you’re older, that doesn’t mean you can’t experience all that a cruising holiday has to offer. Follow our simple tips for a fun filled holiday on the water.</p> <p><strong>1. Choose the right ship</strong></p> <p>Cruise ships today carry anywhere from six to 6,000 people. The larger megaliners tend to be geared towards families with plenty of crazy rides and high-energy activities. They’ll also probably be crowded with kids. Smaller boutique ships operate at a slower pace and are generally stocked with an older crowd. Do your research and find one to suit you.</p> <p><strong>2. And the right cabin</strong></p> <p>Do you need an accessible cabin? Do you want to reduce walking with a cabin close to the elevators? Is it important for you to have some outside space of your own? These are all important questions that you’ll need to answer when you book. The right cabin can make or break a cruise.</p> <p><strong>3. Pick an appropriate itinerary</strong></p> <p>You’ll need to decide if you want to visit new places every day or spend more time onboard the ship. Both have their advantages and disadvantages. Port heavy itineraries, where you’re stopping at a new destination every day, can be tiring. On the other hand, you might get bored with too many days at sea.  Think realistically about your needs and make the right choice for you.</p> <p><strong>4. Research your dates</strong></p> <p>One of the best things about being a senior traveller is that you are (generally) no longer bound by things like school holidays. By avoiding these times you’ll not only save money, you won’t be on a ship with an unusually high proportion of children. When cruising in the Caribbean, you’ll also need to keep in mind the US college holidays so you’re not trapped with a bunch of boozy spring breakers.</p> <p><strong>5. Allow extra time</strong></p> <p>It’s a sad fact of ageing that you’re not as quick on your feet as you used to be. That means you’ll need to factor in extra time for just about everything. Ships can be huge, so you don’t want to be rushing to make a dinner reservation or spa appointment. This applies on shore too. If you’re really late, the ship will leave without you so don’t cut it too fine.</p> <p><strong>6. Choose the right shore excursions</strong></p> <p>Before you book, have a chat with the shore excursions team and get a good idea of the physical requirements. What they consider minimal walking might not be the same as what you consider minimal walking. These tours aren’t cheap, so you want to be sure that you can enjoy everything it involves.</p> <p><strong>7. Look at onboard activities</strong></p> <p>You might not want to get off at every port (which can be exhausting) but still want to be entertained onboard. And adventurous activities like skydiving simulators and giant waterslides may not be your thing any more. Many cruise lines offer fantastic enrichment programs onboard where you can listen to world-class lecturers, learn new skills or watch performances from the likes of the Royal Academy of Dramatic Arts or the Lincoln Centre.</p> <p><strong>8. Give yourself time to relax</strong></p> <p>You’re on holiday! If you want to spend a day in bed, watching movies and ordering room service then do exactly that. Don’t feel any pressure to be up and about every day.</p> <p><strong>9. Travel with the right companions</strong></p> <p>Solo, couple, friends or family, there’s a cruise for every group. Cruising is hugely popular with multi-generational groups as there something for everyone to do, but it might not make for the most relaxing holiday. If you’re a solo traveller, you can book a single cabin all to yourself or find a room mate with any number of matching services. Just think carefully – because once you’re onboard with your travel buddy, there’s no getting off.</p> <p><strong>10. Think about medical care</strong></p> <p>Be realistic about any medical needs you may have. Most ships have a decent medical centre, but if you are spending multiple days at sea or cruising to very remote destinations and something happens it might not be enough to help you. If you are concerned, choose cruises that stay close to shore or visit developed countries where you can get proper treatment quickly.</p> <p><em>Image credits: Shutterstock </em></p>

Cruising

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Supermarkets accused of pushing "confusing" promo labels

<p>Coles, Woolworths and Aldi have all been accused of saturating their stores with "confusing" promotional labels that offer little to no discount. </p> <p>Research by consumer advocacy group Choice suggests one-in-four shoppers feel "misled" by discount stickers, finding it difficult to discern the promo price from the original price. </p> <p>More than 1,000 customers across the country took part in the <a title="www.choice.com.au" href="https://www.choice.com.au/unclearsupermarketspecials" target="_blank" rel="noopener">research</a>, which surveyed price tags regularly used by Woolworths, Coles and Aldi that featured phrases such as “down down”, “member price” and “prices dropped”.</p> <p>According to the report, which has been passed on to the Australian Competition and Consumer Commission (ACCC) Supermarkets Inquiry, it was Coles that caused the most confusion, with their "while stocks last" stickers proving to be unclear to the average shopper. </p> <p>Coles told <em><a href="https://www.news.com.au/lifestyle/real-life/news-life/woolworths-coles-and-aldi-accused-of-confusing-promotional-labels/news-story/c2a350bd62dd0a0ba9c4fad04fa69435" target="_blank" rel="noopener">news.com.au</a></em> its “while stocks last” tickets offer customers the chance to buy items which are only available at Coles for a limited time, and which are unlikely to be restocked once the products are sold out.</p> <p>But according to Choice, one-third of shoppers surveyed believed products tagged with the bright yellow tag were discounted, while another third were unsure of its meaning. </p> <p>Woolworths’ “member price” was also found to cause “considerable confusion”, according to the consumer watchdog.</p> <p>Meanwhile Aldi’s “super savers” label were also found to leave many Aussies confused, with a third of those surveyed unsure if it was a discount, according to the research. </p> <p>“Consumers look for products that are the best value for money but it is becoming increasingly difficult for people to decipher the promotional tags being used by the supermarkets,” Choice said.</p> <p>“Consumers are drawn to promotional tags that make it look like one product is potentially better value or a good deal, compared to other products."</p> <p>However, the labels are “confusing and potentially misleading” and without contextual information or historical pricing data, “consumers have no way of knowing if they are getting a good deal or not."</p> <p>Coles, Woolworths and Aldi have all responded to the report, with Coles saying in a statement, “Customer feedback is important to us. Our goal is to always be as clear as possible and we are taking steps to update this ticket over the coming months.”</p> <p>Choice has called for “transparent pricing” from supermarkets in the report “to ensure that people are able to effectively compare products, recognise genuine discounts and make informed decisions” when buying their groceries. </p> <p>Choice is also calling for strong enforcement action from the ACCC to “send a clear message to the supermarkets that misleading pricing is unacceptable”.</p> <p><em>Image credits: Choice </em></p>

Money & Banking

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"Am I being too sensitive?": Woman's dilemma after partner forgets 60th birthday

<p>A woman has shared her dilemma on how to approach her partner of 30 years, after he forgot her 60th birthday. </p> <p>"It's my 60th birthday today, and my partner of 30 years has not acknowledged it. Should I tell him?" she titled her post on Reddit. </p> <p>"It's my actual birthday today, and whilst we have planned a big party for next weekend, when I woke up this morning I expected a 'Happy Birthday!' and a smile," she continued. </p> <p>"I didn't get anything. He started my coffee but he does that almost every morning.</p> <p>"At first I thought maybe he forgot but now I am thinking that he thinks he doesn't have to say anything because we are having a big party this weekend. </p> <p>"Am I being too sensitive? Should I tell him? If so, how?" she asked in her post. </p> <p>Hundreds of Reddit users took to the comments to share their thoughts on how to approach the situation, with a few sharing crafty solutions of their own. </p> <p>"I'd make a joke of it. 'I can't believe they moved my birthday!' Or 'I saw on the TV we should ask easy questions to check for dementia- I'll ask you first, when's my birthday?'" one user playfully suggested. </p> <p>"I'm going to say the absolute minimum I'd expect for ANY birthday is my wife wishing me a Happy Birthday. Don't let it fester and ruin your day - just ask him about it" another added. </p> <p>One user saw the bright side of things and said:  "He's handed you the best birthday present of all - the opportunity to use this against him for the next twenty years.</p> <p>"I'd be rubbing my hands with glee. Happy Birthday!" </p> <p>"Happy Birthday. Go out and buy a large cake. Eat it all yourself. Nobody need ever know" to which she responded: "there is a Costco not that far away. Go big or go home." </p> <p>Another Redditor came up with an elaborate plan on how she could get her partner's attention. </p> <p>"Purchase this 'Acknowledge Me' t-shirt of WWE wrestle Roman Reigns. Then write 'Birthday' on a piece of card and use some tape to stick on the t-shirt. 'Acknowledge Me Birthday.' Then just wear it around the house," they said. </p> <p>The woman was onboard with the plan, but luckily she didn't need to apply any of their crafty solutions and shared an update. </p> <p>"He just came up to my home office and gave me a big hug, admitting he had forgotten because he was so focussed on both work and next weekend's party," she wrote. </p> <p>"He apologised sheepishly, which was exactly the best outcome possible. Now I have both my birthday acknowledged as well as a fine story and/or bit of ammo to be saved for another day.</p> <p>"So there you go. I've cancelled the 'acknowledge me' t-shirt order, and shall now share my Costco cake with him instead of eating it from across the table, glaring.</p> <p>"Thank you everyone for the very fine passive aggressive suggestions which made me smile. Much appreciated!"</p> <p><em>Image: Getty</em></p> <p> </p>

Relationships

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Grandma faces deportation after 40 years in Australia

<p>Mary Ellis, 74, has lived in Australia for over 40 years, but now she faces deportation. </p> <p>The grandmother is known as a local hero in northern New South Wales, for her charitable acts including helping feed the homeless in Tweed Heads, raising money for the Salvation Army. </p> <p>She was even nominated for the NSW Volunteer of the Year award last year. </p> <p>Despite her tireless efforts to help out other Australians, the senior might soon have to leave the country she has called home since she was 31-years-old. </p> <p>"(I have a) Driver's License, ID card, Medicare Card, Pension card. Everything Australians have," Ellis told <em>A Current Affair</em>. </p> <p>"I thought well, I'm a permanent resident.</p> <p>"You know, I carry on doing my daily - what I do every day. Nobody said anything."</p> <p>Ellis, who was born in London and moved here with her partner in 1981, was told that her partner had already arranged permanent visas for them.</p> <p>But one day, the Department of Home Affairs suddenly decided she's got to go. </p> <p>"This is my home and I love Australia ... I want to stay here," the grandma tearfully said. </p> <p>"Just let me get Australian citizenship, please let me.. that's what I want."</p> <p>Ellis has a son and two granddaughters in Australia, who are all Australian Citizens. </p> <p>Migration agent Stanley Schneider has been helping Ellis pro-bono since she was asked to leave, said that she was an absorbed person under the Migration Act and should be allowed to stay. </p> <p>"She's always paid her taxes.. she's never even had a speeding ticket," Schneider said.</p> <p>"She's never infringed anything. She's never offended anyone."</p> <p>The Migration Act requires someone to have been in Australia since April 2, 1984 and not have left, but the Department of Home Affairs claims Mary left the country three times under different aliases.</p> <p>Ellis denies the allegations.</p> <p>"I love Australia. (I) didn't want to go anywhere else," she said.</p> <p>She also said that she has documents that prove she was in Australia during the timeframe in question, which includes a job reference from a Tasmanian restaurant that she worked at from 1983 to 1986, and a Medicare enrolment letter signed by then federal Health Minister Neal Blewett.</p> <p>Ellis' migration agent said that the documents would not have been sent to her had she not been in the country. </p> <p>"Mary Ellis is a decent person. A person we should be absolutely thrilled to have in Australia," Schneider said. </p> <p>"And she's an Australian, Let's face it."</p> <p>In a statement shared to <em>A Current Affair</em>, the Department of Home Affairs said that they do not comment on individual cases. </p> <p>"People who do not have the right to remain in Australia are expected to depart," a government spokesperson said.</p> <p>"Individuals who provide incorrect information may be liable to have their visa cancelled under the provisions of the Migration Act."</p> <p><em>Image: Nine/ A Current Affair</em></p>

Legal

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Senior changes will to leave fortune to pets instead of family

<p>An elderly woman in China has decided to leave her $A4.3 million fortune to her pets instead of her three children, after she claims they never visited or took care of her when she was sick. </p> <p>The Shanghai woman, known by her last name Liu, drafted the will a few years ago according to the <a href="https://www.scmp.com/news/people-culture/trending-china/article/3248592/elderly-china-woman-leaves-us28-million-assets-beloved-pets-instead-children-who-never-visited-even" target="_blank" rel="noopener"><em>South China Morning Post</em></a>. </p> <p>However, as her three children rarely contacted her, and left her on her own while she was sick, Liu decided her cats and dogs were more deserving of her multi-million dollar fortune, and changed her will. </p> <p>Chen Kai, an official from the China’s Will Registration Centre headquarters, told her that leaving her entire inheritance to animals is illegal in China, but there is a way for her to ensure her pets get taken care of. </p> <p>“Liu’s current will is one way, and we would have advised her to appoint a person she trusts to supervise the vet clinic to ensure the pets are properly cared for,” he told the <em>South China Morning Post</em>. </p> <p>Another official added that Liu could always change her mind, if her children changed their attitude. </p> <p>“We told Auntie Liu that if her children change their attitude towards her, she could always alter her will again,” the official said. </p> <p><em>Image: Getty</em></p> <p> </p>

Family & Pets

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Two senior royals undergo surgery

<p>King Charles and Kate Middleton have postponed their public duties following news that they are both being admitted to hospital for surgery. </p> <p>The news of both procedures were announced within hours of each other, with the Princess of Wales first announcing that had been admitted into hospital for a planned surgery. </p> <p>“Her Royal Highness The Princess of Wales was admitted to The London Clinic yesterday for planned abdominal surgery,” the statement from Kensington Palace read. </p> <p>The surgery was successful and the princess is expected to remain in hospital for 10 to 14 days before returning home to recover. </p> <p>No other details regarding the surgery were given, but a palace spokesmen has revealed that the condition was non-cancerous. </p> <p>“The Princess of Wales appreciates the interest this statement will generate,” the statement added. </p> <p>“She hopes that the public will understand her desire to maintain as much normality for her children as possible; and her wish that her personal medical information remains private.” </p> <p>The palace added that they will “only provide updates on Her Royal Highness’ progress when there is significant new information to share.”</p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-captioned="" data-instgrm-permalink="https://www.instagram.com/p/C2NDoYrN-9r/?utm_source=ig_embed&amp;utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/p/C2NDoYrN-9r/?utm_source=ig_embed&amp;utm_campaign=loading" target="_blank" rel="noopener">A post shared by The Prince and Princess of Wales (@princeandprincessofwales)</a></p> </div> </blockquote> <p>Based on the medical advice, the royal will be out of public duty until after easter, which falls on the 31st of March. </p> <p>They also added that Prince William will also postpone several engagements while his wife is recovering. </p> <p>Less than two hours after the shock announcement, Buckingham Palace revealed that King Charles will also head to hospital next week for a “corrective procedure” on an enlarged prostate. </p> <p>“His Majesty’s condition is benign and he will attend hospital next week for a corrective procedure," the statement read. </p> <p>“The King’s public engagements will be postponed for a short period of recuperation.”</p> <p>Benign prostate enlargement is not a sign of a cancer or a risk of cancer occurring, with one in three men over the age of 50 having symptoms of an enlarged prostate. </p> <p>While few details of Kate's condition were made public, His Royal Highness was keen to share information and encourage other men experiencing symptoms to get their conditions checked. </p> <p><em>Image: Getty</em></p> <p> </p>

Caring

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Heartwarming gesture for Qantas' oldest passenger

<p>A 103-year-old passenger has received an emotional welcome onboard her Qantas flight, with the pilot and cabin crew erupting into cheers as she stepped on board. </p> <p>Ngan Chun Kam aka ‘Mamma’, is believed to be the oldest passenger to ever travel with the Flying Kangaroo airline.</p> <p>Mamma was born on January 1st 1920, and Qantas was founded 10 months later in November 1920. </p> <p>After visiting family in Sydney for several weeks, Mamma was returning home to her native Hong Kong when Qantas staff on-board QF127 learned of her age.</p> <p>“It was such an honour to have Ms Kam on our flight to Hong Kong,” Jayson Eng, Qantas customer service agent who was on the November 3rd flight, told <a href="https://www.news.com.au/travel/travel-updates/travel-stories/qantas-crews-heartwarming-act-for-103yearold-passenger/news-story/75c4ccb9c1addc2884e7e3063422763b" target="_blank" rel="noopener"><em>news.com.au</em></a>.</p> <p>“We got her trip off to a flying start with a special welcome announcement from the Captain, which was broadcast throughout the entire aircraft.”</p> <p>Mr Eng said it resulted in a big cheer and a round of applause throughout the cabin.</p> <p>“Our cabin crew loved taking turns to introduce themselves to Ms Kam. We called her Po Po (grandma in Cantonese) as a sign of respect for her. She was such a delight to have on board.”</p> <p>Mamma, who has six children aged 72 to 83, 13 grandchildren and 15 great grandchildren, has been visiting Australia once a year since 1979 to visit her eldest son who lives in Sydney. </p> <p>According to Mamma’s daughter-in-law Helen, at first she had no idea why the cabin erupted in a loud cheer as she doesn’t speak English. </p> <p>It wasn’t until a friend who was also on the flight explained it was because she was the eldest passenger they’ve ever flown, and she began to smile. </p> <p>“Everyone was clapping and cheering and she just felt so special,” Helen told <em>news.com.au</em>.</p> <p>The airline also gifted Mamma, who was flying in business class, a goodie bag filled with champagne and merch.</p> <div> </div> <p>“When she got to Hong Kong, she called me saying John (friend on the flight with her) left his bag, thinking it was his,” Helen said.</p> <p>“I told her it’s what the airline gave her as a gift and she said ‘well I don’t drink champagne’ – I told her ‘well in that case bring it back with you to Australia on your next visit, we’ll have it’,” she laughed.</p> <p><em>Image credits: Courtesy of Qantas</em></p> <div class="media image" style="caret-color: #000000; color: #000000; font-style: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; orphans: auto; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; text-decoration: none; box-sizing: inherit; margin-bottom: 24px; display: flex; flex-direction: column; align-items: center; width: 705.202209px; max-width: 100%;"> </div>

International Travel

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Why these dog breeds are ideal for seniors

<p><strong>Reasons why dogs are good for seniors </strong></p> <p>Affectionate, loyal, nurturing: There are lots of reasons why dogs make great companions for seniors. Not only do dogs provide comfort and friendship, but they also help keep seniors healthy and encourage sociability. In fact, a 2019 study found that people who owned dogs were more likely to maintain better heart health and be more active, than those without pets. “Dogs give seniors a reason to get up and move – and walking a dog keeps them fit,” explains veterinarian Dr Anita Kinscher-Juran. Another plus: When you get out of the house for that walk, you have more chances to be social, too, from greeting neighbours on the street to impromptu conversations with fellow dog owners.</p> <p>But adopting a dog is a big decision. Just like with a human companion, you need to understand what you’re looking for in a dog before committing to a long-term living arrangement.</p> <p>Some important points to think about as you search for the best dogs for seniors are energy levels (vets often recommend calm dog breeds for older folks), the size of your home (<a href="https://www.readersdigest.com.au/pets/13-best-apartment-dogs" target="_blank" rel="noopener">these are the best apartment dogs</a>) and the size of the dog, the breed’s socialness (some breeds, like Pomeranians, make the best emotional support dogs) and a dog’s age and temperament. Health and grooming needs and maintenance requirements (i.e. how often dogs need to be brushed, for instance) are also important considerations. Cocker spaniels, while super cute with their big, long ears, are also known for having frequent ear infections, for instance. And while Havanese, one of the cutest white dog breeds, are very portable, they also require a lot of grooming.</p> <p>The decision to adopt a pet is not one that should be taken lightly. “Bringing a pet into the household is a lifelong decision for that animal,” says Dr Kinscher-Juran. But after thoroughly considering your situation and needs, it’s comforting to know, as Dr Kinscher-Juran says “that there is a dog for everyone and every age.”</p> <p>Here are the top 15 best dogs for seniors.</p> <p><strong>Best overall: Bichon Frise </strong></p> <p>These white powder puffs of a dog are known for their sweet and friendly nature and are perfect for seniors seeking easy companionship – they also make <a href="https://www.readersdigest.com.au/food-home-garden/pets/15-best-dogs-for-first-time-owners" target="_blank" rel="noopener">great pets for first-time dog owners</a>. These low-maintenance pups aren’t difficult to potty train and don’t shed much, which is why they are one of the best dogs for older people, Dr Kinscher-Juran says. (But to keep their snow-white hair looking fluffy, they do require grooming every five or so weeks.)</p> <p>Bichons are gentle and playful and they get along well with other pets and children, so you don’t need to put them in another room if the grandkids stop by! At an average of 5 to 8 kilograms, they are also super portable. Not to mention smart. “One of my favourite bichons knew how to give a kiss in three different languages, one of which was Portuguese,” says Dr Kinscher-Juran.</p> <p>Like the best toy dogs, they are perfectly content to sit on your lap for hours every morning, as you read the paper or watch the news. Bichon Frise’s don’t require long, five kilometre hikes to keep them happy, rather they’re fine with 20- to 30-minute leisurely strolls. What they crave most is attention, something seniors often have time to give.</p> <p><span style="text-decoration: underline;"><em>Breed Overview</em></span></p> <p>Height: 24 to 30 cms  </p> <p>Weight: 5 to 8 kgs</p> <p>Life expectancy: 14 to 15 years</p> <p><strong>Best lap dog: Cavalier King Charles spaniel</strong></p> <p>If you are looking for one of the best dogs for older people, cavalier King Charles spaniels should be high on your list. It’s easy to fall in love with their big eyes and long ears. And Cavalier King Charles spaniels, in turn, like nothing more than to kiss and cuddle with their owners. Cavalier King Charles spaniels have an eager to please personality, which makes them easier to train.</p> <p>They also only require a moderate amount of exercise, which can be good for less active seniors. Beauty, of course, requires attention. Dr Kinscher-Juran suggests brushing their long luxurious coats once a day, which isn’t hard to do, considering they’re one of the best lap dog breeds!</p> <p><span style="text-decoration: underline;"><em>Breed Overview</em></span></p> <p>Height: 3.5 to 33 cms</p> <p>Weight: 5.8 to 8 kgs</p> <p>Life expectancy: 12 to 15 years</p> <p><strong>Best apartment dog: Pug</strong></p> <p>If you are looking for one of the best dogs for older people, cavalier King Charles spaniels should be high on your list. It’s easy to fall in love with their big eyes and long ears. And Cavalier King Charles spaniels, in turn, like nothing more than to kiss and cuddle with their owners. Cavalier King Charles spaniels have an eager to please personality, which makes them easier to train.</p> <p>They also only require a moderate amount of exercise, which can be good for less active seniors. Beauty, of course, requires attention. Dr Kinscher-Juran suggests brushing their long luxurious coats once a day, which isn’t hard to do, considering they’re one of the best lap dog breeds!</p> <p><span style="text-decoration: underline;"><em>Breed Overview</em></span></p> <p>Height: 3.5 to 33 cms</p> <p>Weight: 5.8 to 8 kgs</p> <p>Life expectancy: 12 to 15 years</p> <p><strong>Best small dog: Maltese</strong></p> <p>One of the best small dogs for seniors is the Maltese. These adorable white toy dogs were specifically bred to be companions. Loyal, sweet-natured, calm and adaptable, it’s not hard for a Maltese to quickly become seniors’ best four-legged friend. Though they love following their owners around, all they really need for health is short easy walks. At an average of 2 kilograms, Malteses are also easily transportable (which is a good thing since Malteses don’t like to be left alone too long).</p> <p>Their small size also makes them well suited for apartments or homes with limited space. You can’t mention a Maltese without mentioning their long, silky, white mane, which can be braided or put into a bun. “For the person who wants a living Barbie doll, and loves playing with hair, Malteses are your dog,” Dr. Kinscher-Juran says. But if all that grooming becomes too much, you can have the hair trimmed or shaped down.</p> <p><span style="text-decoration: underline;"><em>Breed Overview</em></span></p> <p>Height: 17 to 22 cms</p> <p>Weight: Under 3 kgs</p> <p>Life expectancy: 12 to 15 years</p> <p><strong>Most social dog: Havanese</strong></p> <p>Sweet, friendly and eager for attention: Havanese make great companions for seniors who find themselves at home more. As a breed, Haveneses don’t like to be alone for very long. (There’s a reason they’re called Velcro dogs). These super social dogs crave affection and get along well with other breeds and strangers.</p> <p>Their high intelligence makes them easier to train and potty train. And at about 5 kgs, they are easy to carry. Walks might take a bit longer with Haveneses because they will want to try to say hi to everyone. But for seniors, looking for sociability, this is not such a bad thing! That’s why Havaneses are one of the best dogs for seniors.</p> <p><span style="text-decoration: underline;"><em>Breed Overview</em></span></p> <p>Height: 22 to 30 cms</p> <p>Weight: 3 to 6 kgs</p> <p>Life expectancy: 14 to 16 years</p> <p><strong>Best house dog: Miniature schnauzers</strong></p> <p>Miniature schnauzers are one of the most adaptable breeds of dogs. Originally bred as a farm dog in Germany, miniature schnauzers are just as content living in an assisted living facility as they are roaming outdoors. Small, sturdy, hypoallergenic and affectionate, miniature schnauzers are great with, say, rambunctious grandchildren.</p> <p>And their calmness – and attunement to the moods of humans – make them excellent therapy animals. Miniature schnauzers both play hard and relax hard. They need a moderate amount of daily exercise but are also good at simply lounging around, while their owners watch TV or make dinner.</p> <p><span style="text-decoration: underline;"><em>Breed Overview</em></span></p> <p>Height: 30.5 to 36 cms</p> <p>Weight: 5 to 9 kgs</p> <p>Life expectancy: 12 to 15 years</p> <p><strong>Best large dog: Greyhound</strong></p> <p>With their lean bodies, flexible spines, and long legs, greyhounds are known for their athletic ability and for being the fastest dog breed. What is not as well-known is that their gentle and sensitive temperament and minimal grooming needs make them one of the best dogs for seniors. Older, retired racing greyhounds are often the best choice for seniors,. “As racing dogs, they often live on a track without much positive human and social interaction,” Dr Kinscher-Juran says. “When they’re adopted, they’re far more appreciative of the loving home you are providing, and don’t seem to take that for granted.”</p> <p>And though they do need daily exercise, greyhounds – perhaps surprisingly! – are renowned for their laziness. Weighing anywhere from 27 to 31.7 kgs, these gentle giants, are content to lounge around the house, accepting pets and back rubs.</p> <p><span style="text-decoration: underline;"><em>Breed Overview</em></span></p> <p>Height: 67 to 76 cms</p> <p>Weight: 27 to 31.7 kgs</p> <p>Life expectancy: 10 to 13 years</p> <p><strong>Best with grandkids: Golden Retrievers</strong></p> <p>Golden retrievers are a large breed with an even larger heart. For seniors looking for gentle dog breeds, golden retrievers are loyal, friendly, intelligent, people-pleasers. They are easy to train, famous for their patience and great with the grandkids. Golden retrievers do require consistent, hard exercise every day, but they are more than content for part of that exercise to consist of finding and retrieving balls in the backyard.</p> <p>Though golden retrievers can weigh up to 34 kgs and more, they still think of themselves as lap dogs. “Golden retrievers are happy to sit with you on the patio at the end of the day, with their head on your lap, watching the sunset,” Dr Kinscher-Juran says.</p> <p><span style="text-decoration: underline;"><em>Breed Overview</em></span></p> <p>Height: 54.5 to 61 cms</p> <p>Weight: 25 to 34 kgs</p> <p>Life expectancy: 10 to 12 years</p> <p><strong>Best hypoallergenic: Toy Poodle</strong></p> <p>For seniors with allergies or respiratory issues, poodles are one of the best hypoallergenic dog breeds. Poodles have a single-layer coat that doesn’t shed (though all that beautiful, naturally curly hair requires a lot of brushing and grooming!).</p> <p>They come in multiple sizes, from tiny teacup poodles, that weigh between 1.8 to 2.7 kgs to small toy poodles that weigh between 2.7 to 4 kgs to miniature poodles that weigh between 6.8 to 7.7 kgs to standard poodles that weigh between 20.4 to 31.75 kgs. Like the best sort of human companion, poodles are known for both their beauty and their brains. Their high intelligence makes them easy to train (helpful for seniors) and their affectionate personality makes them easy to love. The smaller toy poodle is a top choice for seniors.</p> <p><span style="text-decoration: underline;"><em>Breed Overview</em></span></p> <p>Height: 25 cms max</p> <p>Weight: 1.8 to 2.7 kgs</p> <p>Life expectancy: 10 to 18 years</p> <p><strong>Best dog for those who like a clean house: Groodle</strong></p> <p>A cross between poodles and golden retrievers, groodles (or goldendoodles), which weigh between 22.6 to 40 kgs, are known for possessing the best traits of both breeds. They’re loyal, obedient and loving. For seniors with allergies, or those who prefer to avoid daily vacuuming, groodles, who mostly don’t shed and are hypoallergenic, make great companions.</p> <p>You don’t need to have been an experienced pet owner to adopt one: Groodle’s intelligence and easy-going temperament make them easy to train. Groodles do love exercise though, especially swimming. Bonus points if you’re a senior that lives by a body of water!</p> <p><span style="text-decoration: underline;"><em>Breed Overview</em></span></p> <p>Height: 48 to 61 cms</p> <p>Weight: 13.6 to 20 kgs</p> <p>Life expectancy: 10 to 15 years</p> <p><strong>Best for active seniors: Westies </strong></p> <p>Recognisable by their white mane and dark, almond-shaped eyes, the West Highland white terrier (aka Westie) are friendly, loving companions for active seniors. At 5.8 to 9 kgs, Westies are still small enough to handle and make good apartment dogs – as long as they get in their long, daily walks.</p> <p>Westies really, really like to play. Westies are no softies though: beneath their coat is a well-muscled body. Bred to be rodent killers, Westies require little pampering and they rarely shed. For seniors looking for a little bit of excitement in their days, westies will be sure to keep you on your toes.</p> <p><span style="text-decoration: underline;"><em>Breed Overview</em></span></p> <p>Height: 25.5 to 28 cms</p> <p>Weight: 6.8 to 9 kgs</p> <p>Life expectancy: 13 to 15 years</p> <p><strong>Best dog that doesn't bark: Shih Tzu</strong></p> <p>The name Shih Tzu means little lion, but the most fierce thing about this breed is their love for the owner. Shih Tzus bond very quickly with humans, making them great choices for seniors looking for a close canine companion. Weighing an of average 4 to 7 kgs, Shih Tzus, known for their long coats, pack a lot of personality in their small frame.</p> <p>They are a confident, happy-go-lucky breed with a bit of a stubborn streak. But they are less demanding and less yappy than other smaller toy dogs, making them a good choice for seniors who live in apartments. They are also not very energetic and only need a couple of short walks a day, making them perfect for non-active seniors.</p> <p><span style="text-decoration: underline;"><em>Breed Overview</em></span></p> <p>Height: 23 to 26.5 cms</p> <p>Weight: 4 to 7 kgs</p> <p>Life expectancy: 10 to 18 years</p> <p><strong>Easiest dog to care for: French bulldog</strong></p> <p>With their big eyes, adorable scrunchy faces, and short legs, there’s a reason why French bulldogs are increasing popular today and one of the easiest dog breeds. Their gentle personality and low energy make them one of the best dogs for seniors with a less active lifestyle. These dogs are not big athletes, a walk around the block is all the exercise they need for the day.</p> <p>French bulldogs’ small size (they weigh about 8.5 to 12.5 kgs) and the fact that they are not big barkers or yappers also make them one of the best apartment dogs. As an additional bonus, they are also excellent cuddlers and incredibly loyal.</p> <p><span style="text-decoration: underline;"><em>Breed Overview</em></span></p> <p>Height: 28 to 33 cms</p> <p>Weight: Under 12 kgs</p> <p>Life expectancy: 10 to 12 years</p> <p><strong>Best guard dog: Pomeranian </strong></p> <p>At 1.4 to 3 kgs, Pomeranians look like tiny puffballs. Their small size and affectionate personality make them easy to love. And their ability to remain calm in busy situations also makes them one of the best emotional support dogs, Dr Kinscher-Juran says. Pomeranians – whose hair comes in a variety of colours from white to black to cream – don’t seem to realise their small size.</p> <p>They are very alert, with a tendency to bark, making them excellent guard dogs for seniors. Though Pomeranians are lap dogs, they also have an independent streak, so active seniors don’t need to worry about Pomeranians clinging, like a barnacle, to them all day. Sometimes it’s good to have space!</p> <p><span style="text-decoration: underline;"><em>Breed Overview</em></span></p> <p>Height: 15 to 17.5 cms</p> <p>Weight: 1.4 to 3 kgs</p> <p>Life expectancy: 12 to 16 years</p> <p><strong>Best dog for seniors with a backyard: Beagle </strong></p> <p>For seniors who love being outdoors and would like an impetus to exercise more, beagles are a good choice. Energetic, active and sociable, beagles love to play and take long walks. And unlike other smaller dogs, they don’t require a ton of babysitting. They’re fine – content even – being left alone for a while. For seniors who don’t love playing beautician, beagles, with their short, dense, wash-and-wear coat, are a good choice.</p> <p>They are pretty low maintenance when it comes to grooming. Younger beagles require consistent exercise – so seniors might find adopting an older beagle a less physically demanding choice, Dr Kinscher-Juran says.</p> <p><span style="text-decoration: underline;"><em>Breed Overview</em></span></p> <p>Height: 33 to 38 cms</p> <p>Weight: 9 to 13.6 kgs</p> <p>Life expectancy: 10 to 15 years</p> <p><em>Image credits: Shutterstock</em></p> <p><em>This article originally appeared on <a href="https://www.readersdigest.com.au/food-home-garden/pets/15-best-dogs-for-seniors?pages=1" target="_blank" rel="noopener">Reader's Digest</a>. </em></p>

Family & Pets

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My Royal Melbourne Seniors Classic Adventure: A day on the greens (and in the bunkers!)

<p dir="ltr">G'day to all past, present, and emerging golf enthusiasts!</p> <p dir="ltr">If you're a senior golfer like me, hunting for inspiration, adventure, and authentic golf yarns — this is for you.</p> <p dir="ltr">Picture this: a crisp August morning, and sixty-two senior golfers gathered on Royal Melbourne's West Course for the Vic Seniors Classic 2023. Here's the story of how it all went down...</p> <p dir="ltr">Before anything else, I mustered the guts to jump in. Ever heard of "imposter syndrome"? Trust me, I was its best mate. But the requirements were clear: age 55+ (I'm a proud 65-year-old), GA Handicap under 24.5 (18.5), and a $225 entry fee. Wait, $225? Given that Royal Melbourne's green fees dance around $1000, caddy fee included, it was a no-brainer.</p> <p dir="ltr">Fueled by the temptation of playing a top-notch course for a quarter of the fee, I submitted my application without hesitation. Before I knew it, my name adorned the list of players.</p> <p dir="ltr">As the day approached, I was geared up to tackle the Royal Melbourne challenge.</p> <p dir="ltr">The 8 am shotgun start meant groups teed off from various holes. I found myself at the 11th tee, flanked by two fierce competitors: Peter (Daily Handicap 1) and Damian (12). Yours truly? A modest 20.</p> <p dir="ltr">Standing over the ball, knees a tad wobbly, I swung that driver. The ball sailed gracefully, landing centre fairway, while their shots had taken a wilder route into the rough. The lesson? 'How near,' not 'how far'.</p> <p dir="ltr">Now, let's talk about those Royal Melbourne greens. Rumour had it, they were "super fast". Super fast? Imagine sliding a ball across your kitchen's polished tiles — yep, that rapid.</p> <p dir="ltr">Around the course, bunkers became my stern mentors — big, deep, and oh-so unforgiving.</p> <p dir="ltr">Post 18 holes, scorecards were in, followed by the triumphant crowning of winners over lunch.</p> <p dir="ltr">Rodney Ware (75 gross) and Kevin Naismith (81 gross) led in men's gross, while Wayne Moon (72 net) and Craig Lonsdale (73 net) dominated the net division. Melinda Crawford (16, scratch stableford) and Louise Yuen (29 handicap points) shone in the women's.</p> <p dir="ltr">Kudos to winners, fellow players, Royal Melbourne and Golf Australia for the unforgettable day.</p> <p dir="ltr">By the way, can you see yourself on those hallowed Royal Melbourne greens? If your inner golfer nods, I'm your cheerleader. Consider joining me for the 2024 Royal Melbourne Seniors Classic.</p> <p dir="ltr">And as I wrap up, let me leave you with the timeless words of the legendary Peter Thomson: "Golf is a game of how near, not how far".</p> <p dir="ltr">Until next time, keep those swings buttery, putts steadfast, and steer clear of those tricky bunkers.</p> <p dir="ltr">PS: My result? T43rd (net) among the 48 male players. Next time I'll be swinging even better.</p> <p dir="ltr"><strong><em>About the Writer: Mike Searles is a Melbourne retiree who's living the golfing dream.</em></strong></p> <p><em>Image credits: Getty Images</em></p>

Domestic Travel

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The top 11 situations to always haggle for a lower price

<p><strong>Mortgage rates</strong></p> <p>Buying a new home is probably the biggest purchase you will make over the course of your life, so every last penny you can save is worth it. “Borrowers should shop their business around to many banks/lenders to see what rates are available,” says mortgage broker Ade Labinjo. “Then use the rates obtained to pit the banks against each other for the purpose of either matching or driving down the rates they were quoted.”</p> <p>Labinjo says that by getting at least one extra quote rate, the average borrower could save up to $1,500. Never settle for the initial quote rate that the bank offers you – haggle for a better price because chances are, they’re not giving you their absolute best offer upfront.</p> <p><strong>Flea markets, farmers markets, garage sales</strong></p> <p>At flea markets, farmers markets, and garage sales the sellers typically set their own price. If you know how to haggle, this is a great opportunity to get a really good deal. Also, see if buying in bulk or large quantities can get you a price reduction.</p> <p><strong>Hotel rooms</strong></p> <p>Hotels want their rooms filled, so it never hurts to haggle with the people at the front desk for a better price or room upgrades. “Hotels have to pay a commission to booking websites, and pass on some of that as a benefit to the user,” says Saurabh Jindal, founder of Talk Travel.</p> <p>If you find that the price is the same on the booking website and the hotel’s website, ask the hotel for a room with a better view or more amenities. “Hotels have rooms allocated to various booking platforms and may give you a better option which has not yet been sold.”</p> <p><strong>Memberships</strong></p> <p>Memberships always come along with extra fees. It might be a renewal fee, startup fee, or a maintenance fee if it’s your gym membership. Ask if they can waive some of the fees or threaten to cancel and go somewhere else. They want to keep making money off of you and might just give you a discount.</p> <p><strong>Lease renewal </strong></p> <p>If you’re considering re-signing your lease, know that it is most likely more expensive for the landlord to prepare your apartment for a new tenant than to lease to you for another year. If you’ve had a good relationship with your landlord, try to negotiate in a deal before you re-sign. If the landlord is going to increase your rent, ask if you can increase it by less or not at all. If you consistently pay rent on time, are a respectful neighbour, and take good care of your apartment they may keep your rent from increasing.</p> <p>It’s important to remember who your lease is with though, says Julie Ramhold, Consumer Expert at DealNews.com. If your apartment is owned by a management company, they probably won’t offer any wiggle room. But, if you’re renting from a single landlord or owner, try negotiating for a lower price.</p> <p><strong>Online selling platforms </strong></p> <p>People who post items for sale online are typically moving or looking to get rid of unwanted items. Use that to your advantage and ask for a lower price – the worst they can say is no. You could also offer to come and pick it up quickly if they give you a better deal.</p> <p><strong>Internet and phone bill</strong></p> <p>As annoying as your internet and phone provider may be, they don’t want to lose you as a customer. “If you’re signing up or looking to renew, sometimes you can get a lower rate by telling a rep what the competitor is offering and saying it works better with your budget,” says Ramhold.</p> <p>A lot of cable companies give you a promotional price for your first year, make sure to call right before the price goes up for your second year. The competitors will most likely offer better prices for new customers and that can work in your advantage and possibly get you a better deal with your current provider.</p> <p><strong>Insurance rates</strong></p> <p>Just like internet providers, insurance companies don’t want you to switch to a different provider. “Use your customer loyalty to your advantage and try to talk to the right person on the phone,” says Kelan Kline a personal finance expert and co-founder of The Savvy Couple. “Tell them the service you are receiving is not good enough for the price.” They might offer you a discount to keep you.</p> <p><strong>Home services</strong></p> <p>If you’re renovating your kitchen or getting some landscaping done, make sure to shop around and get a few different quotes first. Use those quotes to negotiate with the contractor you want to work with. Also, you may be able to haggle for a better price if you offer to pay upfront in cash or schedule a contractor during the winter months when business is typically slower.</p> <p><strong>Jewellery</strong></p> <p>“You should know that the markup on diamond jewellery is anywhere from 50 to 200 per cent and more,” says Chhavi Agarwal, a personal finance expert. There is always room for haggling. Agarwal suggests politely making a counteroffer. You’d be surprised the changes they are willing to make to the bill. If they refuse to come down in price, try to haggle the labour charges.</p> <p><strong>Returned items </strong></p> <p>Never miss an opportunity to haggle for a better price on items that have been returned to stores. Stores will typically mark returned items that have been slightly used or have a ding with a price reduction, but it doesn’t hurt to ask for more off. They know that items that have already been opened aren’t as appealing to customers and they want to get them sold.</p> <p><em>Image credits: Getty Images</em></p> <p style="box-sizing: border-box; border: 0px; margin: 0px 0px 20px; outline: 0px; padding: 0px; vertical-align: baseline; line-height: 26px;"><em>This article originally appeared on <a href="https://www.readersdigest.com.au/food-home-garden/money/11-times-you-should-always-haggle-for-a-better-price?pages=1" target="_blank" rel="noopener">Reader's Digest</a>. </em></p>

Money & Banking

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Major fuel savings for seniors

<p>Major fuel savings are now on offer for over 1.6 million seniors over the age of 60 across New South Wales, as the government adds fuel discounts to the list of benefits for NSW Seniors Card and Senior Savers Card holders. </p> <p>Senior card holders will be eligible for the new United Discount Fuel Card, which offers savings of 4c per litre at participating service stations, which can be used once daily for single transactions up to 150 litres. </p> <p>Anyone over 60 can become cardholders of the Seniors Card and Senior Savers Card, which allows them to save on fuel, energy, insurance, cybersecurity, pet adoption and vet services, and groceries.</p> <p>United Petrol head of loyalty Judith Russell said that after they've signed up for the card, “members then need to show and scan this United fuel discount card at the time of purchase at participating United service stations to save the four cents per litre.”</p> <p>The Minister for Seniors Jodie Harrison shared their excitement to launch this discount. </p> <p>"We’re excited to launch the program’s first fuel discount with United Petroleum, an Australian-owned business offering discounts to members at the bowser.”</p> <p>“This brand-new discount has been added to the wealth of Seniors Card savings to help keep more money in seniors’ pockets and ease price pressure at the pump.”</p> <p>For those who want to apply for the fuel card, they can <a href="https://www.unitedpetroleum.com.au/fuel-discount-cards/our-partners/nsw-seniors-card/" target="_blank" rel="noopener">sign up here </a>for a digital or plastic card, and find out the participating service stations here. </p> <p><em>Image: Getty</em></p>

Money & Banking

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Kmart and Target join forces to create mega discount stores

<p dir="ltr">Two of Australia’s favourite retail giants are about to get better in a huge merger creating a $10 billion discount giant.</p> <p dir="ltr">Wesfarmers is set to fold Target into Kmart with hopes that it will improve sales, provide better value for customers, and allow both stores to share backend technology.</p> <p dir="ltr">Ian Bailey the Managing Director of Kmart Group has said that there will be “no impact” to stores, and that the move was an "internal reorganisation".</p> <p dir="ltr">"With customers now demanding value more than ever, this new operating model will unlock a new level of scale and productivity across both brands, so we can deliver even greater value to our customers in the future," he said in a statement.</p> <p dir="ltr">"For store networks and 50,000 store team members – it's business as usual – as we continue to focus on providing the best value products to the thousands of customers in Australia and New Zealand who choose to shop at Kmart or Target every day."</p> <p dir="ltr">The move comes as the cost of living crisis is forcing more and more Aussies to be mindful of their spending habits.</p> <p dir="ltr">In a statement to the <em>The Australian Financial Review</em>, Bailey said that there would likely be “a handful of redundancies" but more jobs overall by next year.</p> <p dir="ltr">He added that one of the benefits of tighter integration and better technology is the ease in which the prices of products can be reduced.</p> <p dir="ltr">He said that the price drop on 1000 Kmart products this month was assisted by merchandise planning tools and a self-navigating inventory scanning robot.</p> <p dir="ltr">"Kmart and Target are both strong businesses. I don't see us doing this from a position of weakness. It's quite the opposite,” he told the publication.</p> <p dir="ltr">“I'd say we're strong, but I think there's an opportunity to really capitalise on this time and find ways to continue to deliver better value for customers."</p> <p dir="ltr">"What we found was that running two businesses it was very, very difficult to get the tech into Target, and to get those benefits. This is really why we decided to push the two businesses into one."</p> <p dir="ltr"><em>Images: Getty</em></p>

Money & Banking

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Concerns for seniors in shift to cashless society

<p>Experts have voiced their concerns that senior Aussies will be left behind as the banking industry continues to move away from using cash.</p> <p>National Seniors Australia chief operating officer Chris Grice said there has been a "big shift to getting people off cash", as many financial institutions favour digital transactions. </p> <p>While this shift is geared towards leaning into technological and advancements and making things as convenient as possible, there are worries that older Aussies will be left struggling with the change. </p> <p>"The feedback we're getting it is not as easy as, you know, just tap and go and away you go," Mr Grice told <a href="https://9now.nine.com.au/today/commonwealth-bank-statement-on-claims-of-cashless-branches/63ed8948-8dbc-40a9-a2cc-a58b2b94255e" target="_blank" rel="noopener"><em>Today</em></a>.</p> <p>"Some of these regional communities in particular, have challenges around internet access."</p> <p>While cash will still be readily available, Mr Grice warned that people trying to access their cash could face increasing transaction fees at ATMs. </p> <p>Meanwhile,  Commonwealth Bank has responded to reports that it has increased the number of "cashless" branches, where a general banking teller is not provided to service customers, saying Cash withdrawals and deposits are available at all Commonwealth Bank branches and Specialist Centres."</p> <p>They went on to say that Specialist Centres, for people who require a face-to-face service, will remain in "major metropolitan locations".</p> <p>There are fears that a growing number of cashless branches across the entire banking industry would disadvantage older Australians who rely on cash as their primary form of banking, leaving many wonder how they will access their money given the limitations. </p> <p><em>Image credits: Getty Images</em></p>

Money & Banking

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Lisa Wilkinson denies turning to senior politicians over Higgins’ rape allegations

<p>Channel 10 personality and former <em>The Project </em>host Lisa Wilkinson has denied claims that she approached senior level politicians with a request to pose questions about Brittany Higgins’ rape allegations against Bruce Lehrmann during Question Time. </p> <p>The dismissal came in the wake of Channel 7’s <em>Spotlight </em>episode featuring the formerly accused, where a recording of a phone call between Wilkinson, her producer Angus Llewellyn, Higgins, and Higgins’ partner David Sharaz was exposed.</p> <p>During the conversation, which was recorded in January 2021, they were reportedly discussing which politicians they might be able to work with to steer the conversation in parliament, with Wilkinson telling Higgins that she wanted to see her “enunciate the fact that this place [Parliament House] is all about suppression of people’s natural sense of justice”. </p> <p>Sharaz noted that he had a “friend in Labor”, and that Senator Katy Gallagher could “probe and continue it [the conversation] going”. At one stage, Wilkinson went so far as to claim that “certainly Albo” should be considered, though she later went on to retract that, and suggested “Tanya Plibersek, definitely”. </p> <p>And while Sharaz had questioned what Wilkinson hoped to gain from the conversation, Wilkinson assured them that that wasn’t the case. </p> <p>“No. Whether it’s white privilege, male domination, whether it’s, you know, criminal activity. I am from the western suburbs of Sydney. I have always been motivated by exactly the same thing, people who deserve to be heard not being heard,” she explained. </p> <p>Wilkinson had more to say on the matter when it came to the likes of former deputy Liberal leader Julie Bishop, sharing her frustration about the “many opportunities” she had to “speak out against the culture”. </p> <p>“The minute she was out of there [she said], ‘oh it’s really sexist’,” Wilkinson added. “I tried to get her on the record with that so many times when she could’ve actually effected change, and she wouldn’t.”</p> <p>And now, despite the leaked recording - which was handed over by Channel 10 under subpoena during the criminal trial, with more shared on TV than in court - Wilkinson has released a statement to declare that she did not approach the politicians in question. </p> <p>“Nor did I speak to any other politicians, their minders or apparatchiks,” she said.</p> <p>The audio came up during Sunrise as well, when Natalie Barr asked their entertainment commentator, Peter Ford, whether or not the recording might be a problem down the line. </p> <p>“Was that coaching?” she asked. “Or was that a journalist talking before the interview?”</p> <p>Ford agreed that it was a fine line, then added, “but I generally think when someone says, ‘I don’t want to put words in your mouth,’ that is exactly what they want to do.”</p> <p><em>Images: Getty</em></p>

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