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Kochie reveals the simple way to halve your grocery bill

<p>David Koch has revealed the simple trick to help you save big bucks at the supermarket as the cost of living crisis continues to hit hard. </p> <p>Kochie, who is the Compare the Market's economic director, calculated that Aussies can save up to $100 per trip to the grocery shop by making the switch to home brands. </p> <p>According to research of major Australian supermarkets, the average household can save big bucks by choosing not to buy well-known brands, which can lead to a saving of $5,000 per year. </p> <p>"So, when you're doing your supermarket shop, what's in a brand name? Well, let me tell you - plenty," Kochie said in a video posted to the Compare the Market Instagram account. </p> <p>"You are paying plenty more for that loyalty to a brand that you love."</p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-permalink="https://www.instagram.com/reel/C57UwVrvSZ5/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/reel/C57UwVrvSZ5/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by Compare the Market AU (@comparethemarket_aus)</a></p> </div> </blockquote> <p>Compare the Market took to a major supermarket and bought 25 items from big name brands, and another 25 similar items from a challenger supermarket selling cheaper home brands.</p> <p>Based on substituting big-brand products for lesser-known labels, grocery bills would fall from $201.19 a week to $103.51, taking the weekly saving up to $97.68.</p> <p>"Now, multiply that weekly shop over a whole year and that's a saving of over $5,000."</p> <p>"Almost three return economy airfares to London."</p> <p>Everyday Aussies are continuing to struggle with the rising cost of groceries, with the price of bread and cereal increasing by 7.3 per cent in the year to March, an official monthly measure of inflation showed. </p> <p><em>Image credits: Instagram </em></p>

Money & Banking

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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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Asking ChatGPT a health-related question? Better keep it simple

<p>It’s tempting to <a href="https://cosmosmagazine.com/news/chatgpt-and-dr-google/">turn to search engines</a> to seek out health information, but with the rise of large language models, like ChatGPT, people are becoming more and more likely to depend on AI for answers too.</p> <div class="copy"> <p>Concerningly, an Australian study has now found that the more evidence given to <a href="https://cosmosmagazine.com/technology/chatgpt-an-intimate-companion/">ChatGPT</a> when asked a health-related question, the less reliable it becomes.</p> <p>Large language models (LLM) and artificial intelligence use in health care is still developing, creating a  a critical gap when providing incorrect answers can have serious consequences for people’s health.</p> <p>To address this, scientists from Australia’s national science agency, CSIRO, and the University of Queensland (UQ) explored a hypothetical scenario: an average person asking ChatGPT if ‘X’ treatment has a positive effect on condition ‘Y’.</p> <p>They presented ChatGPT with 100 questions sourced from the <a href="https://trec-health-misinfo.github.io/" target="_blank" rel="noopener">TREC Health Misinformation track</a> – ranging from ‘Can zinc help treat the common cold?’ to ‘Will drinking vinegar dissolve a stuck fish bone?’</p> <p>Because queries to search engines are typically shorter, while prompts to a LLM can be far longer, they posed the questions in 2 different formats: the first as a simple question and the second as a question biased with supporting or contrary evidence.</p> <p>By comparing ChatGPT’s response to the known correct response based on existing medical knowledge, they found that ChatGPT was 80% accurate at giving accurate answers in a question-only format. However, when given an evidence-biased prompt, this accuracy reduced to 63%, which was reduced again to 28% when an “unsure” answer was allowed. </p> <p>“We’re not sure why this happens,” says CSIRO Principal Research Scientist and Associate Professor at UQ, Dr Bevan Koopman, who is co-author of the paper.</p> <p>“But given this occurs whether the evidence given is correct or not, perhaps the evidence adds too much noise, thus lowering accuracy.”</p> <p>Study co-author Guido Zuccon, Director of AI for the Queensland Digital Health Centre at UQ says that major search engines are now integrating LLMs and search technologies in a process called Retrieval Augmented Generation.</p> <p>“We demonstrate that the interaction between the LLM and the search component is still poorly understood, resulting in the generation of inaccurate health information,” says Zuccon.</p> <p>Given the widespread popularity of using LLMs online for answers on people’s health, Koopman adds, we need continued research to inform the public about risks and to help them optimise the accuracy of their answers.</p> <p>“While LLMs have the potential to greatly improve the way people access information, we need more research to understand where they are effective and where they are not.”</p> <p><em>Image credits: Getty Images</em></p> <div> <p align="center"><noscript data-spai="1"><em><img decoding="async" class="aligncenter size-full wp-image-198773" src="https://cdn.shortpixel.ai/spai/q_lossy+ret_img+to_auto/cosmosmagazine.com/wp-content/uploads/2023/12/MICROSCOPIC-TO-TELESCOPIC__Embed-graphic-720x360-1.jpg" data-spai-egr="1" width="600" alt="Buy cosmos print magazine" title="asking chatgpt a health-related question? better keep it simple 2"></em></noscript></p> </div> <p><em><!-- Start of tracking content syndication. Please do not remove this section as it allows us to keep track of republished articles --> <img id="cosmos-post-tracker" style="opacity: 0; height: 1px!important; width: 1px!important; border: 0!important; position: absolute!important; z-index: -1!important;" src="https://syndication.cosmosmagazine.com/?id=301406&amp;title=Asking+ChatGPT+a+health-related+question%3F+Better+keep+it+simple" width="1" height="1" loading="lazy" aria-label="Syndication Tracker" data-spai-target="src" data-spai-orig="" data-spai-exclude="nocdn" /></em><em><a href="https://cosmosmagazine.com/technology/ai/asking-chatgpt-a-health-related-question-better-keep-it-simple/">This article</a> was originally published on <a href="https://cosmosmagazine.com">Cosmos Magazine</a> and was written by <a href="https://cosmosmagazine.com/contributor/imma-perfetto/">Imma Perfetto</a>. </em></div>

Caring

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Announcing Kate Middleton’s cancer diagnosis should have been simple. But the palace let it get out of hand

<p><em><a href="https://theconversation.com/profiles/victoria-fielding-236389">Victoria Fielding</a>, <a href="https://theconversation.com/institutions/university-of-adelaide-1119">University of Adelaide</a> and <a href="https://theconversation.com/profiles/saira-ali-1522239">Saira Ali</a>, <a href="https://theconversation.com/institutions/university-of-adelaide-1119">University of Adelaide</a></em></p> <p>The British royal family is famous for its carefully curated media image. That’s why it was a surprise to see them lose control of the narrative in the wake of what we now know is a serious health crisis befalling Catherine, Princess of Wales (or Kate Middleton as she’s popularly known).</p> <p>It is clear the nearly 1,000-year-old institution of the monarchy and its tradition of “<a href="https://news.northeastern.edu/2024/03/14/kate-middleton-photo-pr-crisis/">never complain, never explain</a>” is being tested by social media and its power to spread rumours and misinformation. The palace’s public relations team has underestimated how difficult it is to manage relationships with social media audiences. Their reactive attempts to rein in speculation has turned Catherine’s health challenge into a PR disaster.</p> <p>Social media, with its lax regulations and freer environment, offers a more open forum for users to say whatever they like about the royals. It’s served as a hotbed for Catherine conspiracies, particularly on TikTok. These theories are as wild as they are ridiculous, from Catherine being a prisoner in the palace to her hiding in <a href="https://www.prdaily.com/kate-middleton-stanley-alabama-retail/">Taylor Swift’s London home</a>.</p> <p>What should have been a simple announcement to a sympathetic public about a popular royal having cancer turned into a spider’s web of competing conspiracy theories across social media. How did it all go so terribly wrong?</p> <h2>I’ve lost track, what happened?</h2> <p>All was well with the Prince and Princess of Wales when they were filmed attending church on Christmas Day. As usual when royals are out in public, the scene was picture perfect with everyone dutifully smiling for the cameras in “<a href="https://www.harpersbazaar.com/celebrity/latest/a46227698/kate-middleton-royal-blue-christmas-day-church-service-prince-william-kids/">co-ordinated</a>” outfits.</p> <p>Two weeks later, Kensington Palace announced Catherine had undergone planned abdominal surgery, with <a href="https://abcnews.go.com/GMA/Culture/princess-kate-hospitalized-after-planned-abdominal-surgery-palace/story?id=106441561">palace sources</a> telling media the surgery had been “successful” and she would need two weeks to recover.</p> <p>On January 29, the palace announced Catherine had returned home to recuperate. <a href="https://www.townandcountrymag.com/society/tradition/a46569739/king-charles-discharged-from-hospital/">Unlike King Charles</a> when he released news of his cancer diagnosis on February 5, Catherine was not photographed leaving hospital. This was the first PR misstep. She had appeared outside hospital soon after giving birth to her three children, but this time she remained uncharacteristically out of the public eye.</p> <p>Almost a month later, when Prince William <a href="https://au.lifestyle.yahoo.com/prince-william-pulls-memorial-godfather-211406977.html?amp;guce_referrer=aHR0cHM6Ly93d3cuZ29vZ2xlLmNvbS8&amp;guce_referrer_sig=AQAAAG6tOzuXsqZXP6G2nLLd-lnWzZhYKHVJ5TJ-w5XCCfgMjerRrR8v1R8unjtcoQTbvPDsVt3mtTcZ_g0os6zwOuEFfMKCh0kfEExvz-dB2FG0uqcy6-GoryjvG99TEhMli66hNZLjLENmMhq1mwoV7GmM0AYezMDsZtZVtONH9C1b&amp;guccounter=2">unexpectedly withdrew</a> from his godfather’s memorial citing “personal reasons”, social media users started asking “Where is Princess Kate?”.</p> <p>Used to a steady stream of content about the royal family, the public were unsurprisingly questioning if there was more to Catherine’s abdominal surgery than they were being told.</p> <p>In a rare reactive move, the palace tried to quell questions about Catherine’s whereabouts by releasing a <a href="https://people.com/palace-responds-kate-middleton-conspiracy-theories-online-surgery-recovery-rare-statement-8602191">statement</a> reiterating that she would not be returning to public duties until Easter.</p> <p>On March 4, US outlet <a href="https://www.tmz.com/2024/03/04/kate-middleton-seen-spotted-public-first-time-mystery-hospitalization/">TMZ published</a> a paparazzi photo of Catherine driving with her mother. Social media audiences asked if it really was Catherine.</p> <p>Over the next week, conspiracy theories about Catherine’s absence reached frenzied levels. To show everything was fine, Kensington Palace released a <a href="https://twitter.com/KensingtonRoyal/status/1766750995445387393?s=20">Mother’s Day photo</a> of Catherine and her children on their social media accounts. Social media users spotted apparently edited flaws and global news agencies announced “<a href="https://apnews.com/article/kate-princess-photo-surgery-ca91acf667c87c6c70a7838347d6d4fb">kill orders</a>”, saying the image had been manipulated. The next day, Catherine <a href="https://twitter.com/KensingtonRoyal/status/1767135566645092616">apologised</a> on social media for editing the photo.</p> <p>Although royals have been <a href="https://www.townandcountrymag.com/society/tradition/a60191061/royal-photoshop-history/">editing their pictures</a> for centuries, it seems particularly digitally naive of the palace’s PR team to release such an obviously edited image into an already cynical social media environment, creating fodder for more conspiracy theories.</p> <p>Mainstream news outlets then joined social media users in asking questions about Catherine’s absence. Although this media attention did not legitimise wild conspiracies, in some ways it fuelled them.</p> <p>Days later, TMZ <a href="https://www.youtube.com/watch?v=erWJNmbrECs">published footage</a> of Catherine and William shopping. At this point in the media chaos, many social media users claimed it was fake.</p> <p>This intense public speculation finally ended on March 23, when Catherine <a href="https://twitter.com/KensingtonRoyal/status/1771235267837321694?s=20">released a video</a> explaining her extended absence after abdominal surgery was caused by the surgeons discovering cancer.</p> <p>During a crisis, the public crave transparency, authenticity, honesty and reassurance. These elements were missing in the royal PR team’s carefully worded statements made directly to mainstream media along with reactive, overly curated social media posts.</p> <p>By providing scant details, the palace seemed to believe they could control public perception. But public image is increasingly difficult to control.</p> <h2>The double-edged sword of social media</h2> <p>After Princess Diana’s death in a paparazzi-chase car accident, privacy laws and <a href="https://time.com/4914324/princess-diana-anniversary-paparazzi-tabloid-media/">media regulations</a> forbade the most invasive breaches of the royal family’s privacy, particularly for her children, princes William and Harry. However, tabloid appetite for uncontrolled access soon returned once the princes became adults.</p> <p>Recently, Harry and his wife Meghan have been involved in <a href="https://www.reuters.com/world/uk/prince-harry-his-many-lawsuits-against-press-2023-12-15/">several lawsuits</a> against media companies over breaches of privacy, including phone hacking.</p> <p>The rise of social media has typically been viewed as a tool that gives royals more control over their image through the curation of their own personal content. Previously, the fact Catherine was the one <a href="https://www.businessinsider.com/kate-middleton-cutest-family-photos-2018-5">taking photos</a> of her children was seen as a sign of authenticity and being down to earth (as much as a princess could be).</p> <p>Yet, social media is both a blessing and a curse for the management of public reputations.</p> <p>The perpetuation of contested facts and theories on social media in the wake of Princess Catherine’s unexplained absence shows how difficult it is to curate a controlled image using social media. Lack of verified information in mainstream media helps fuel speculative flames.</p> <p>While <a href="https://www.thedrum.com/news/2024/03/22/where-the-palace-lost-the-plot-and-what-we-can-learn-about-pr-and-empathy-kategate">PR experts</a> believe it is understandable and appropriate for Catherine and her family to have privacy during this time, more timely, direct and honest communication would have gone a long way to prevent relentless gossip.</p> <p>Once rumours and conspiracies gained momentum, the palace perhaps thought the less information provided, the better. However, silence during a crisis just fuels more speculation because the lack of information makes it look like there is something to hide.</p> <p>Catherine’s personal video announcing her cancer diagnosis helped end the social media frenzy. This shows a simple, clear statement posted by Kensington Palace to social media weeks ago would likely have avoided the PR disaster and provided Catherine the privacy she so clearly needs.</p> <p>The palace is now <a href="https://www.sheknows.com/entertainment/articles/2986509/kate-middleton-cancer-pr-disaster/">being criticised</a> for complicating a situation that was relatively simple in retrospect. Many social media users are also upset Catherine took public blame for the photoshopping incident.</p> <p>Any organisation that deals with the media to maintain positive reputations, including the British monarchy, has no choice but to adapt to all kinds of media, including social media. The long-time practice of keeping calm and carrying on amid controversy and the 24-hour gossip cycle doesn’t work in the era of TikTok, X and YouTube.</p> <p>In the absence of trusted information, social media will do what it does best: take mostly innocuous online chatter and amplify it until it goes viral.<!-- 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/226490/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/victoria-fielding-236389">Victoria Fielding</a>, Lecturer, <a href="https://theconversation.com/institutions/university-of-adelaide-1119">University of Adelaide</a> and <a href="https://theconversation.com/profiles/saira-ali-1522239">Saira Ali</a>, Senior Lecturer in Media, <a href="https://theconversation.com/institutions/university-of-adelaide-1119">University of Adelaide</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/announcing-kate-middletons-cancer-diagnosis-should-have-been-simple-but-the-palace-let-it-get-out-of-hand-226490">original article</a>.</em></p>

Caring

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Grandma banned from babysitting after ignoring daughter's simple request

<p>A new mum has banned her own mother from babysitting duties, after she blatantly refused to follow a few basic safety instructions. </p> <p>The young mum took to Reddit to share her plight, after moving back home so she could save up to buy a house, which at the time her mum "very enthusiastically agreed to".</p> <p>But, after a few months of living together again, the 23-year-old mum has had more things added onto her plate, as she's constantly worried about her own mum not following her instructions when it comes to her son, who was born in September. </p> <p>She said that her mum has been "constantly checking to see if he has teeth" or pushing them to "stop feeding him milk", or even trying to "give him really complicated food" like candy yams.</p> <p>And whenever she expresses her concerns, her mum nonchalantly responds with: "I did with you and you survived". </p> <p>It reached a peak when her mother gave her baby boy some water, which according to The World Health Organisation, children under six months should not be drinking anything else other than breast milk or formula. </p> <p>This is because babies stomachs are very small and their kidneys are still developing, so they are unable to process water in the same way adults do, plus it puts them at risk of water intoxication and nutrition loss.</p> <p>The grandmother blatantly ignored her daughter's request and gave her grandson water anyways responding with, "See, he's fine. He isn't dead."</p> <p>That was the young mum's breaking point and she immediately took her baby away. </p> <p>"She will no longer be watching the baby alone since she is constantly overstepping my boundaries and doing everything I ask her to not do," she wrote. </p> <p>But she said that things are complicated since they're living together and now her mother isn't speaking to her because she made her "feel like a bad parent and grandparent."</p> <p>The young mum questioned whether she was the bad guy in this scenario, but other Reddit users were quick to defend her for setting her boundaries. </p> <p>"One would hope for a *little* bit more for their kid than "not dead"," one wrote. </p> <p>"This is an incredibly low standard for her to be proud of maintaining",  another added. </p> <p><em>Image: Getty</em></p> <p> </p>

Family & Pets

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Worried about price gouging? For banks, there’s a simple solution

<p><em><a href="https://theconversation.com/profiles/peter-martin-682709">Peter Martin</a>, <a href="https://theconversation.com/institutions/crawford-school-of-public-policy-australian-national-university-3292">Crawford School of Public Policy, Australian National University</a></em></p> <p>Does it feel like you’re being charged more for all sorts of things these days, from <a href="https://theconversation.com/supermarkets-airlines-and-power-companies-are-charging-exploitative-prices-despite-reaping-record-profits-222755#:%7E:text=According%20to%20the%20inquiry%2C%20the,dairy%20products%20and%20breakfast%20cereals.&amp;text=Farmers%20recently%20accused%20supermarkets%20of%20making%20too%20much%20profit%20from%20their%20crops.">groceries</a> to <a href="https://theconversation.com/see-when-australias-biggest-banks-stopped-paying-proper-interest-on-your-savings-and-what-you-can-do-about-it-200265">banking</a>? Turns out, you’re right.</p> <p>While we might be more likely to remember prices that go up than prices that go down, the very best evidence – assembled by Australia’s <a href="https://treasury.gov.au/sites/default/files/2023-11/competition-review-mergers-background-note.pdf">Treasury</a>, the federal government’s lead economic adviser – says your suspicions are right. We really are being charged more than we used to be two decades ago.</p> <p>Coupled with the latest profit reports from Australia’s biggest supermarkets and banks, including Tuesday’s half-year results from Coles, it suggests we are contributing more to company profits than we used to.</p> <h2>Climbing price markups</h2> <p>The Treasury estimates show in the 13 years between 2003-04 and 2016-17, the average price markup – the difference between the cost of a product and its selling price – across all Australian industries climbed 6%.</p> <p>That’s extra profit, taken from your wallet, going to the people selling you things.</p> <p>Those Treasury estimates are contained in a background paper prepared for the competition <a href="https://treasury.gov.au/review/competition-review-2023">inquiry</a> being undertaken by a panel including Productivity Commission chair Danielle Wood, former Competition and Consumer Commission chief Rod Sims, and business leader David Gonski.</p> <p>At the same time, the average share of each industry held by its biggest four firms edged up from 41% to 43%.</p> <p>Profit margins are also higher here than in more competitive markets overseas.</p> <p>This is true in banking, where the big four have taken over St George, BankWest, and the Bank of Melbourne – and are about to take over <a href="https://www.accc.gov.au/media-release/australian-competition-tribunal-authorises-anz%E2%80%99s-proposed-acquisition-of-suncorp-bank">Suncorp</a>.</p> <p>It’s also true in supermarkets, where the big two, Woolworths and Coles, have taken over or seen off Franklins, Bi-Lo and Safeway.</p> <h2>Bigger profit margins than overseas</h2> <p>Coles supermarkets reported earnings <a href="https://www.investopedia.com/terms/e/ebitda.asp#:%7E:text=EBITDA%2C%20or%20earnings%20before%20interest,generated%20by%20the%20company's%20operations.">before adjustments</a> of <a href="https://cdn-api.markitdigital.com/apiman-gateway/ASX/asx-research/1.0/file/2924-02777616-3A637432">A$1.73 billion</a> on sales of $19.778 billion in the half year to December – a profit margin of 8.7%.</p> <p>Last week, Woolworths supermarkets reported earnings of <a href="https://cdn-api.markitdigital.com/apiman-gateway/ASX/asx-research/1.0/file/2924-02774826-2A1506104">$2.45 billion</a> on sales of $25.648 billion – a margin of 9.6%.</p> <p>By way of comparison, the dominant UK supermarket group, Sainsbury’s, has a profit margin of <a href="https://stockanalysis.com/quote/lon/SBRY/statistics/">6.13%</a>.</p> <p>In banking, the Commonwealth Bank has just reported a return on equity (profit as a proportion of shareholders’ funds) of <a href="https://cdn-api.markitdigital.com/apiman-gateway/ASX/asx-research/1.0/file/2924-02772167-2A1504649">13.8%</a>. National Australia Bank reported <a href="https://www.nab.com.au/content/dam/nab/documents/reports/corporate/2023-full-year-results.pdf">12.9%</a>.</p> <p>While on a par with the big banks overseas, those recent returns are a good deal higher than CommBank’s <a href="https://www.commbank.com.au/content/dam/commbank-assets/about-us/2021-08/2021-annual-report_spreads.pdf">11.5%</a> and NAB’s <a href="https://www.nab.com.au/content/dam/nab/documents/reports/corporate/2021-full-year-results-management-discussion-and-analysis.pdf">10.7%</a> reported two years ago.</p> <h2>Little hope for groceries</h2> <p>For supermarkets, there’s not a lot the government can do, apart from launching an <a href="https://www.accc.gov.au/inquiries-and-consultations/supermarkets-inquiry-2024-25">inquiry</a>, and perhaps giving Australian authorities the power to <a href="https://www.afr.com/policy/economy/break-up-firms-that-abuse-market-power-says-former-competition-tsar-20230709-p5dmtq">break up</a> firms that abuse their market power.</p> <p>But Prime Minister Anthony Albanese has said he isn’t keen on giving Australian authorities the sort of powers available to authorities in the United States and the United Kingdom, saying (incongruously) Australia is “<a href="https://www.pm.gov.au/media/radio-interview-abc-radio-brisbane-mornings">not the old Soviet Union</a>”.</p> <p>And doing anything short of that would be unlikely to have much effect. Australia’s two supermarket giants have invested a fortune in high-tech <a href="https://theconversation.com/coles-and-woolworths-are-moving-to-robot-warehouses-and-on-demand-labour-as-home-deliveries-soar-166556">warehouses and distribution systems</a>, which new rivals would be hard-pressed to match.</p> <h2>Hope for more competitive banking</h2> <p>But for banks it’s altogether different. Richard Denniss of the Australia Institute has come up with the idea, and it’s a beauty.</p> <p>It’s for the government to provide a low-cost banking service – expanding on services it already offers.</p> <p>The costs would be so low, other banks might decide to add features and resell them in the same way as resellers sell <a href="https://www.whistleout.com.au/MobilePhones/Guides/Telstra-network-coverage-vs-ALDI-Woolworths-Belong-Boost">mobile phone</a> and <a href="https://www.nbnco.com.au/residential/service-providers">NBN</a> services.</p> <p>The primary function of any bank is to provide a numbered account into which Australians can deposit and withdraw funds.</p> <p>The Australian Tax Office does this already, at an incredibly low cost.</p> <p>The tax office gives every working Australian a <a href="https://www.ato.gov.au/individuals-and-families/tax-file-number">tax file number</a>. Employers deposit money into these accounts, and – should the tax office owe a refund – taxpayers withdraw them.</p> <p>Some taxpayers ensure their tax is <a href="https://www.ato.gov.au/businesses-and-organisations/international-tax-for-business/in-detail/income/refund-of-over-withheld-withholding-how-to-apply">overpaid</a>, so they withdraw later.</p> <p>Denniss describes it as a bank account with the world’s clumsiest interface.</p> <h2>The government could offer bank loans</h2> <p>It wouldn’t be much of a stretch from improving that interface to offering government loans.</p> <p>In fact, government loans are already provided in some circumstances: such as to retirees with home equity through the <a href="https://www.dss.gov.au/our-responsibilities/seniors/benefits-payments/home-equity-access-scheme">home equity access scheme</a>, and to Centrelink recipients through <a href="https://www.servicesaustralia.gov.au/centrelink-online-account-help-apply-for-advance-payment">advance payments</a>.</p> <p>It woudn’t be much more of stretch to provide loans more broadly, at an incredibly low administrative cost. The government already lends against the <a href="https://www.servicesaustralia.gov.au/who-can-get-loan-under-home-equity-access-scheme">value of homes</a>.</p> <p>Back in the days when the federal government owned the <a href="https://www.commbank.com.au/about-us/our-company/history.html">Commonwealth Bank</a>, it had to cover the high costs of running bricks and mortar branches.</p> <p>Freed from those costs, the government could now offer a low-cost, technology-enabled basic banking service that would tempt us away from the big four banks – unless they offered better value.</p> <p>Of course it would cost money, although a lot of it has already been spent setting up the system of tax file numbers and accounts. And of course the banks would hate the idea. That would be the point.</p> <p>But doing what we can to stop Australians being overcharged is important, not only for wage earners but also for businesses.</p> <p>The <a href="https://treasury.gov.au/review/competition-review-2023">competition inquiry</a> the government has launched is a good start. It shouldn’t be frightened about where it might lead.<!-- 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/223821/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/peter-martin-682709"><em>Peter Martin</em></a><em>, Visiting Fellow, <a href="https://theconversation.com/institutions/crawford-school-of-public-policy-australian-national-university-3292">Crawford School of Public Policy, Australian National University</a></em></p> <p><em>Image </em><em>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/worried-about-price-gouging-for-banks-theres-a-simple-solution-223821">original article</a>.</em></p>

Money & Banking

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12 super simple ways to save some cash

<p>Saving money is a lot easier said than done. Whether you’ve got a holiday you’re thinking about taking, or you just want to make day to day life a little less stressful, there is a range of strategies you can employ to put a couple of dimes together. Here are 12 tips to cut costs:</p> <p>1. Don't buy luxury, sometimes the budget brands are just as good and save you heaps.</p> <p>2. Read the junk mail and compare offers because you can get a better deal where you didn't think you could.</p> <p>3. Cut unnecessary expenses and reduce, if possible, the necessary expenses as well.</p> <p>4. Buy used goods, it's cheaper and you can haggle.</p> <p>5. See if you can switch power companies. I'm aware of several people who are saving $250 a year.</p> <p>6. Borrow books and movies from the library or movie store - it's free or low cost compared to buying new and it's fast.</p> <p>7. Barter with family and friends, it's free and everyone wins.</p> <p>8. Take advantage of specials, sales and deals including buying in bulk, it can save you more than you realise.</p> <p>9. Walk, bike or car pool or use other public transport, it's good for the environment and saves you money.</p> <p>10. Shop around for the best deal, it might be better elsewhere.</p> <p>11. Follow insurance company advice: Don't smoke, do have alarms and do get multi policies - it protects you and saves cash.</p> <p>12. Have a savings account with all the savings from this and don't touch it, you will be amazed at what you have saved in a short time.</p> <p><em>Written by John Murphy. Republished with permission of <a href="http://www.stuff.co.nz/" target="_blank" rel="noopener"><strong><span style="text-decoration: underline;">Stuff.co.nz</span></strong></a>.</em></p> <p><em>Image credits: Getty Images </em></p>

Money & Banking

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Simple, cheap remedies you’ll wish you knew sooner

<p><strong>Pull nails out gently</strong></p> <p>If you’re planning to pull a nail out of wood but worry that the hammerhead will hurt the grain, protect the wood before using the hammer. How? Slip a plastic spatula under the head of the hammer before you start the job.</p> <p><strong>Replace the oil in baking </strong></p> <p>Fat makes baked goods moist and tender. It’s also incredibly kilojoule-dense, and if you’re cutting kilojoules, it’s an easy place to start. But say you don’t like your cakes and muffins dry and tough? Then applesauce is the answer. Replace up to 2/3 of the oil called for in a cake or muffin recipe with applesauce, and you’ll add moisture and flavour while ditching the fat.</p> <p><strong>Sweeten the house </strong></p> <p>People who are allergic to air fresheners and sprays can still enjoy the benefits of a sweet-smelling house. Wet a cotton ball with vanilla and dab it very lightly on the outside of a regular light bulb (not a halogen bulb) in your lamps. When you turn on the lamp, the bulb heats up and a faint but alluring scent of vanilla drifts out.</p> <p><strong>Soften beans </strong></p> <p>Afraid those dry beans have been on the shelf too long? Help soften them by adding a pinch of baking soda to the soaking water. Add a fresh pinch to the cooking water, too, and you can significantly reduce the aftereffects of bean consumption.</p> <p><strong>Neutralise mouth ulcers</strong></p> <p>Place an antacid tablet directly on the ulcer, giving it time to dissolve, or simply chew one. The medicine will stop the acids and enzymes in your mouth from attacking the tissue in the sore, and more importantly, it will stop the pain. (Be sure to check the product’s label for correct dosage instructions.)</p> <p><strong>Rip it off the right way </strong></p> <p>Pulling an adhesive bandage off your child’s skin can be tough on both of you. Make it easier by rubbing the bandage with a cotton ball soaked in baby oil. Rub until you can easily pull the bandage off. This trick works well for adults with sensitive skin, too.</p> <p><strong>Clean your carpet overnight </strong></p> <p>Whether your carpet smells dank and musty because of a pet, a smoker, or a season of rain, take the odour out with baby powder. Using a flour sifter, spread the powder generously over the carpet. Let it sit overnight – a few hours will suffice, but overnight is better – and vacuum up the powder and the smells in the morning.</p> <p><strong>Hold a nail</strong></p> <p>Stop hitting your fingers every time you hammer a nail in place. Use the teeth of an ordinary comb to hold the nail while you hammer.</p> <p><strong>Get rid of fishy odours</strong></p> <p>Been chopping something pungent? The smell of garlic or fish can linger on your fingers long after the food is gone. Avoid that by scrubbing your wet hands with baking soda, just as if it were soap, then rinse in warm water. Your hands will smell sweet – and feel softer, too.</p> <p><strong>Remove splinters</strong></p> <p>Make a paste of Epsom salt and water and apply it to the area harbouring a splinter. The paste will pull the splinter to the surface of the skin in about 10 minutes. It will pull insect stingers out of your skin, too.</p> <p><strong>Skip the shaving cream </strong></p> <p>Use hair conditioner for a smooth, clean shave – on your legs, under your arms, and (for men) even on your face. The conditioner will pamper your skin as well as your hair! You can also use hair conditioner as a soothing agent for legs irritated by shaving.</p> <p><strong>Preserve your bouquet </strong></p> <p>Spray the undersides of your cut flowers – leaves and petals – with hair spray to prolong their life. Be sure to stand about 30 cm away when you spray them for best results.</p> <p><strong>Numb your eyebrows </strong></p> <p>Make plucking your eyebrows much less painful by putting an ice pack on them until they’re uncomfortably cold. At that point your skin will be numb enough to begin plucking. You won’t even feel the tug!</p> <p><strong>Train a dog </strong></p> <p>Most dogs hate the sound of dried beans rattling in a can. Use that to your advantage when training a dog by putting a handful of beans in the bottom of an empty aluminium soda can. Seal the top with a strip of tape. When your dog misbehaves, shake the can a couple of times.</p> <p><strong>Refresh tired feet </strong></p> <p>Take this tip from marathon runners, who know that a ten-minute soak in a sugarless mouthwash will take your tootsies from tired to terrific. Alcohol invigorates and mint will make them smell sweet again.</p> <p><strong>Remove crayon from walls </strong></p> <p>If you find crayon markings on your wall, don’t get mad – get shaving cream. Spray the shaving cream directly onto the offending artwork, and scrub it off with a toothbrush or scrub brush.</p> <p><strong>Make a close-fitting hot pad</strong></p> <p>Soothe aching muscles with a custom-made hot pad. Fill a long sock, such as a tube or athletic sock, with dried beans, and tie the top tightly closed with ribbon or string. Heat in a microwave on high for 30 seconds. Place it right on your painful spot. You can drape it around a stiff neck or wrap it around a sore wrist, and it will mould to you, providing faster relief.</p> <p><strong>Keep cookies fresh </strong></p> <p>Homemade chocolate chip cookies can go from tasting deliciously soft and cakey to feeling hard and crunchy in a matter of days. To keep your freshly baked cookies tasting freshly baked, put a couple of slices of bread into the tin or jar where you store the cookies, laying the bread right on top of the cookies. The bread will keep that just-out-of-the-oven flavour and texture intact for up to a week.</p> <p><strong>Wax your windows </strong></p> <p>Do your double-hung windows have a bumpy ride every time you open or close them? If your windows don’t slide up and down with ease, let a candle help them. Clean the insides of the window frame where the sashes travel, then rub the same area with a candle. The windows will have a much smoother journey.</p> <p><strong>Make your garage floor sparkle </strong></p> <p>If you find a puddle of oil on your concrete garage floor, pour paint thinner over it, and then cover the area with kitty litter. (Make sure that the garage is well ventilated by keeping the garage door open, and don’t let anyone smoke or strike matches anywhere near the affected area – and keep the cats away.) The kitty litter will absorb the oil. Just sweep up the mess and you’re done.</p> <p><strong>Clean smudges off suede </strong></p> <p>Suede jackets, shoes and handbags look great, but they’re prone to picking up dirty marks. Clean fresh smudges off quickly and easily before they set into stains by rubbing the suede gently with a piece of fresh white bread. Use a small, circular motion. You may need a second piece of bread to get the spot clean.</p> <p><strong>Keep down items from clumping </strong></p> <p>Throw one or two tennis balls into the dryer the next time you dry down-filled items like pillows, comforters and jackets. They’ll ditch the flat look they get from the washing machine and puff up again with pride.</p> <p><strong>Repel mosquitos </strong></p> <p>You may love the mild apple-like flavour of chamomile tea but mosquitoes absolutely hate it. Brew a very strong batch of chamomile tea and keep it in a spray bottle in the fridge. Before you relax in the back yard or run through the tall grass, spray exposed skin liberally. It’s fragrant, potent and totally safe for children.</p> <p><strong>Fill a stripped screw-hole </strong></p> <p>If the screw keeps turning and turning in a piece of wood, push a bit of foil loosely in the hole and try again. It will grab tight.</p> <p><strong>Freshen a fridge </strong></p> <p>If something soured in your fridge or the freezer failed, clean it out, then fill a wide, shallow bowl with fresh coffee grounds and leave it in the fridge or freezer overnight. The strong scent of coffee will permeate the space, eradicating any hint of what went wrong.</p> <p><strong>Banish burned-on food </strong></p> <p>Liquid fabric softener is your best friend when it comes time to scrub pots and pans soiled by your worst enemy, baked-on grime. Soak the offending vessel in water and a squirt of fabric softener. Let it sit for an hour. Wash and rinse it all away.</p> <p><strong>Feed your plants </strong></p> <p>Used coffee grounds are full of nitrogen, so it’s a shame to throw them away each day. Coffee is especially good for acid-loving plants, like camellias, evergreens, rhododendrons, azaleas and rose bushes, so be sure they don’t miss out on the occasional cup of coffee – grounds, that is.</p> <p><strong>Oil squeaky hinges </strong></p> <p>Spray a little oil-based furniture polish on a squeaky door hinge, then open and shut the door several times to work the lubricant into the hinge. The furniture polish is a lot cleaner than the oil you’d usually use for a noisy hinge, and it works just as well to silence the squeak.</p> <p><strong>Untangle a shoelace </strong></p> <p>Junior got a knot in his sneaker and pulled and pulled until it became an impenetrable mass. Sprinkle the knot generously with cornflour, and then work the knot again. The laces will start to slip and slide, and you’ll be able to get the kinks out.</p> <p><strong>Breathe better with a paper bag </strong></p> <p>Got a case of the hiccups? Stop them before you start to hurt. Breathe in and out of a paper bag for a few minutes. You’ll create a build-up of carbon dioxide in your lungs, which helps relax your diaphragm – whose involuntary tightening causes the hiccups in the first place. This trick works if you’re hyperventilating, too.</p> <p><strong>Give the jar a hand </strong></p> <p>No more banging a jar on the floor to loosen a tight lid. No more running it under hot water. And no more fancy tools designed to do the trick – that somehow don’t work. Just put on a pair of rubber gloves, and open the jar with ease. (Psst – sandpaper also works wonders!)</p> <p><em>Image credits: Getty Images </em></p> <p><em>This article originally appeared on <a href="https://www.readersdigest.com.au/food-home-garden/home-tips/1-solutions-youll-wish-you-knew-sooner?pages=1" target="_blank" rel="noopener">Reader's Digest</a>. </em></p>

Home & Garden

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Captain Cook memorial vandalised ahead of January 26th

<p>A memorial honouring Captain Cook in Catani Gardens, St  Kilda has been vandalised ahead of Australia Day. </p> <p>The statue of the British colonialist was cleanly sawn off from its stone base, which was also defaced with red graffiti and the chilling message: “The colony will fall”.</p> <p>The memorial is believed to have been cut down around 3:30 am on Thursday, after members of the public alerted police. </p> <p>“Several people were seen loitering in the area around the time of the incident,” police said.</p> <p>Liberal MP Angus Taylor called the incident an “egregious act of vandalism" and said that it is one of the acts that "everyone should condemn.”</p> <p>“Captain Cook was a man of the enlightenment. Why would they do this to I think a great human being,” he said on <em>Today</em>.</p> <p>Port Phillip councillor Marcus Pearl described the incident as “disheartening” and called for the vandal to be held accountable for their actions. </p> <p>“This is not a solitary act of mischief,” he said.</p> <p>“It’s a repeated pattern of disrespect, especially evident around Australia Day for the past six years. Such acts blatantly disregard our community’s hard-fought principles of debate and democratic expression.”</p> <p>The Captain Cook statue has been a target of multiple vandalism attempts, with vandals covering it in bright coloured paint, both in 2018 and 2022. </p> <p>The Port Phillip councillor has urged people not to let this incident “fuel division” but instead drive “constructive, inclusive conversations." </p> <p>“Our community’s strength lies in its ability to engage in respectful and open discussions,” he said.</p> <p><em>Images: Today</em></p> <p> </p>

Legal

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

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

Family & Pets

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These 11 simple everyday things could be ruining your hearing

<p><strong>Protect your ears</strong></p> <p>You know a leaf blower can do a number on your hearing or a loud rock concert can make your ears ring for days. But there are all sorts of surprising everyday items that can have an impact on your hearing, and you don’t want to wait until you’re collecting Social Security to take action – Millennials are losing their hearing, too.</p> <p>From your kitchen to your yard, your medicines to your health conditions, here are things that affect your ears. Take a listen.</p> <p><strong>Blood-related conditions </strong></p> <p>Types 1 and 2 diabetes, high blood pressure and high cholesterol affect almost every cell in the body – including the ears. Vibrations from tiny hair cells in your ears send your brain messages about what you’re hearing, but those cells need proper blood flow.</p> <p>“All those hair cells are fed nutrients by tiny little capillaries,” says audiologist Craig A. Kasper. “If there’s any problem with blood flow, you’re not going to get those hair cells to grow.” People who have diabetes, for instance, are twice as likely to experience hearing loss than the rest of the population, he says.</p> <p><strong>Blow-dryers</strong></p> <p>A hairdryer near your head could be putting out 85 or more decibels of noise. Long or repeated exposure to sounds at or above 85 dB is when people are at risk of hearing loss, says the US National Institutes of Health. You’d probably have to dry your hair for eight hours straight before it did any damage, but that loud part of your beauty regime could add up over time, says clinical audiologist Kit Frank.</p> <p>“The more you use [blow-dryers] and the longer you use them, the more likely you are to have damage,” she says. “It might not do immediate damage, but over time it will.”</p> <p><strong>Loud music</strong></p> <p>You know what it was like when you came home after a loud concert: The ringing in your ears was a sure sign the music was too loud. But even the tunes coming through your headphones could damage your ears. Earbuds are typically more damaging than over-the-ear headphones because they rest deeper in your ear canal, says Frank.</p> <p>And if you crank up the volume to drown out the noise around you, things get even riskier, says Kasper. “You typically have to compete with the environmental noise to hear the music,” he says. “That’s when it becomes dangerous.” Sticking with volume at or below 60 per cent will keep the sound at a safe level, he says. If you can’t hear at that volume, buy sound-blocking headphones to cut out the outside noise.</p> <p><strong>Skipping your annual check-up</strong></p> <p>Most hearing loss comes from gradual damage to your inner ear, but blockages are totally treatable. During your annual visit to your GP, your doctor should check the inside of your ears for wax build-up. Skip that check-up and you might end up with clogged earwax muffling your hearing, says Frank.</p> <p>But you might also get stuffed-up ears after a specific event, says Kasper. “It could be someone has a history of sinus infections or allergies, or just took multiple plane rides and their ears are clogged,” he says. “It makes us feel like we’re underwater."</p> <p><strong>Prescriptions </strong></p> <p>Hearing loss could be a side effect of your medication. Some diuretics for heart disease, chemotherapy and antibiotics (especially gentamicin, neomycin, and others in the -mycin family) could damage your ears.</p> <p>Getting better is your first priority, but it’s worth talking to your doctor about whether the dose is high enough to do damage. “High doses of any antibiotic can be dangerous,” says Frank. “Usually myacins are used in high doses.”</p> <p><strong>Over-the-counter pain relievers </strong></p> <p>Even pain relievers you get over the counter, like aspirin and ibuprofen, could do damage in high amounts. Any hearing loss or tinnitus from them is usually temporary, but the side effects are sometimes permanent.</p> <p>As long as you stick with baby aspirin or regular doses of a pain medication, though, you won’t risk ruining your hearing, says Kasper.</p> <p><strong>High fever</strong></p> <p>As if a high fever weren’t bad enough, that elevated temperature could also damage the nerves in your inner ear, either because of inflammation or lack of oxygen.</p> <p>“If you don’t get that oxygen to the nerves, they break down and they don’t work like they should,” says Frank.</p> <p><strong>Exercise classes</strong></p> <p>Exercise classes are often very loud. The music blasting at your group workout might power you through your sweat session, but it might be working your ears in a bad way. “If you walk out of spin classes and your ears are buzzing, that’s an indication that you may have done damage to your ears,” says Kasper.</p> <p>Download an app to your smartphone to measure the sound level around you throughout your day, he recommends. Consider using hearing protection if your fitness centre is particularly noisy.</p> <p><strong>Kitchen appliances</strong></p> <p>Noisy appliances like blenders and coffee grinders could do damage to your ears over time. The more often you get those noisy blades going, the more trauma your ears go through. Hard-core chefs should consider ear protection, though the occasional smoothie isn’t anything to worry about.</p> <p>“If you’re in the kitchen and cooking and using a blender all day, that’s a problem,” says Frank. “If you use it for ten seconds once a week, it probably won’t be a problem for you.”</p> <p><strong>Power tools </strong></p> <p>The racket from lawnmowers, jackhammers, leaf blowers, drills and other power tools isn’t just a headache, it also risks hearing damage. You’ll need to protect your ears, but earplugs might not be the best choice. Putting fingers grimy from the tools so close to your ear canal could put you at risk for infection, says Kasper.</p> <p>Instead, pick up a pair of earmuffs from the hardware store. “They go right over the ear, and they’re easy to take on and off,” Kasper says.</p> <p><strong>Your commute</strong></p> <p>Public transport can be noisy, and sitting on a train or bus for half an hour to and from work could add up over time and hurt your ears, says Frank.</p> <p>Plus, the siren of an emergency vehicle passing you on the street could be loud enough to do some damage. “Covering your ears is a good thing – it’s not silly,” says Frank.</p> <p><em>Image credits: Shutterstock</em></p> <p><em>This article originally appeared on <a href="https://www.readersdigest.com.au/healthsmart/conditions/hearing/listen-up-11-surprising-things-that-could-ruin-your-hearing?pages=1" target="_blank" rel="noopener">Reader's Digest</a>. </em></p>

Body

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11 simple daily habits of couples in healthy relationships

<p><strong>The secrets of happy relationships </strong></p> <p>Do you expect your partner to take out the bins every week without ever being thanked? Can you recall the last time you paid your partner a compliment? Find out the secrets of people in a happy and healthy relationship.</p> <p><strong>They Netflix and chill together </strong></p> <p>There are many little ways to boost your marriage – and chief among them is simple companionship. Even if you’re couch surfing, do it together. Spending time with one another is one of the highlights of a healthy relationship. If he’s reading a book, grab one and cuddle up next to him. Bring him a drink while he’s mowing the lawn. Does washing the car bore you to tears? Then simply stand nearby and chat while he suds it up.</p> <p>“In the beginning, couples go out of their way to impress each other and create new ‘first memories’ together,” says Julie Spira, an online dating expert, CEO of Cyber-Dating Expert and author of <em>The Perils of Cyber-Dating</em>. “After a while, just being together rises to the top of the relationship totem pole.” And there’s nothing wrong with a good binge-watch. One study found a direct link between media consumption while together and relationship satisfaction.</p> <p><strong>They compliment one another</strong></p> <p>Here’s how to have a healthy relationship: Tell him how hot he is. Or that he smells delicious. Give her rear a smack in those jeans you adore. Happy couples know how to give a sincere compliment in the moment. In fact, a study found that receiving a compliment has the same positive effect as receiving cash.</p> <p>“Compliments are the quickest way to put a smile on your partner’s face,” says Spira. “Find something appealing about the other and never forget what attracted you to him in the first place. If it’s her ability to fill in the Sunday crossword puzzle or his ability to take charge when you need it, let each other know.”</p> <p><strong>They say those three little words</strong></p> <p>If you’re looking to build a stronger relationship, you’re going to need to say “I love you.” Happy couples say it throughout the day – when they wake up, when they’re eating lunch, when they go to sleep. “Saying I love you to your partner, whether it’s first thing in the morning or at bedtime, is important,” says Bonnie Winston, a celebrity matchmaker and relationship expert.</p> <p>“And saying it with a shared kiss makes it extra special.” She says for variation to try other meaningful three-word phrases like “You amaze me,” “You enthrall me,” “I adore you,” or “You’re my everything.” They slip it into conversation whenever they can. Just be sure that you say these words genuinely. “Those three little words are great to say, as long as you say them with intent and not just purely out of habit,” says Alexis Meads, a professional dating coach.</p> <p><strong>They say thank you</strong></p> <p>One of the best ways to make your spouse feel loved is to show graciousness – even for something as seemingly trivial as picking up the kids from a playdate or grabbing a carton of milk at the supermarket. “Appreciation for all the good your partner contributes to your life is vital,” says Gilda Carle, PhD, relationship expert and author of <em>Ask for What You Want AND GET IT</em>. “Thank-yous go a long way to continuing wedded bliss.” In fact, a study in the Journal of Applied Sport Psychology found that gratitude increased an athlete’s self-esteem, which is a component of an optimal performance.</p> <p>For the sake of your relationship, it’s important to express your appreciation for what your significant other does for you. “No one wants to feel taken for granted,” says Antonia Hall, MA, a psychologist and relationship expert. “By finding things each day for which you’re grateful and expressing it to your sweetie, you foster positive connectivity with him. It will make him feel appreciated and often sparks his desire to want to please you all the more.”</p> <p><strong>They show PDA</strong></p> <p>Public displays of affection aren’t just for teenagers. Happy couples aren’t afraid to show their affection for one in another – even in public. “Intimacy and touch keeps you connected with your partner,” says Hall. “It fosters a connectedness that supports a strong and happy relationship.” Don’t worry, you don’t need to have a full-on make-out session in front of your in-laws. But you can keep your love alive by holding hands at the mall or snuggling at the kids’ sports game. A little PDA goes a long way.</p> <p>“Just touching your partner will help you feel more connected, both physically, emotionally and intellectually,” says Spira. “Plus, it’s a great form of foreplay.” Not to mention that it shows that you’re vulnerable. “When vulnerability is shown and nurtured, then trust in your relationship has the ability to grow,” says Kristie Overstreet, a licensed professional clinical counsellor, certified sex therapist and author of <em>Fix Yourself First: 25 Tips to Stop Ruining Your Relationship</em>.</p> <p><strong>They check in with one another</strong></p> <p>You don’t have to speak on the phone or text 24/7, but couples in healthy relationships call or text – to show the dog’s latest mess, a funny street sign, or for no reason at all. “Checking in with one another boosts feelings of ardour and security,” Winston says. Dr Carle adds, “People who check in with one another during their busy days are letting their partner know they’re thinking of them, despite all the other things going on.”</p> <p><strong>They go to bed at the same time</strong></p> <p>“This doesn’t mean that you both have to fall asleep. But at least wind the night down and get into the bed at the same time,” says Overstreet. “This gives you the opportunity to close the day together, which is very important.” Research shows that 75 percent of couples don’t go to bed at the same time, usually because one person is surfing the web, working or watching TV.</p> <p>Happy couples do their best not to stay up late cleaning the kitchen or folding laundry while the other catches some shuteye. Save the chores for another time. “In my experience as a relationship therapist, couples that go to bed at the same time have a more trusting relationship than those who don’t,” says Overstreet. Bedtime is an opportunity to talk about the day ahead and maybe have a quickie before you hit the hay too.</p> <p><strong>They laugh together </strong></p> <p>Soccer is at 4pm; doctor’s appointment is at 5:30pm.; remember to pick up a pizza on the way home. It’s easy to get into the habit of talking only about the logistics of life and kids. Healthy couples make it a habit to laugh together – often. It keeps the joy and spirit alive in your relationship.</p> <p>A new paper from US professor Jeffrey Hall gives data-backed validity to something you may have figured for yourself: couples who laugh together, stay together. “Find a way to make each other laugh,” says Spira. “Whether it’s watching a funny television show together or doing some playful teasing, laughter and happiness go hand-in-hand.”</p> <p><strong>They share a hobby</strong></p> <p>Tennis anyone? How about writing music? Happy couples take up a hobby that they can do together. Even if they don’t have common interests, happy couples will develop them. Maybe they try new restaurants together or volunteer at the local soup kitchen side by side once a week. “By no means do you need to do everything together,” says Meads.</p> <p>“However, couples who stay together have fun doing some of the same things.” When couples see their relationship as full of fun, they’re more likely to be happier over the long term. “Adding your mutual hobby to your schedule gives you something to look forward to and a memory to look back upon,” says Spira. And living a stimulating life outside the bedroom will lead to a stimulating life inside it.</p> <p><strong>They ask for what they need</strong></p> <p>Happy couples ask for what they need and listen to each other’s requests. “Healthy relationships encourage people to be authentic in their feelings so they can genuinely express themselves,” says Dr Carle. You’re doomed if you just hope that your partner will be a mind reader and “just know” what you’re thinking.</p> <p>Happy couples openly talk about their needs and understand their differences. “When your significant other does something you like, tell him so,” says Winston. “This will give him a feeling of validation and he’ll continue to want to please you.”</p> <p><strong>They're a team </strong></p> <p>“With a team mentality, couples lift each other up and are stronger together,” says Hall. “They make sacrifices to benefit the long-term partnership.” They make decisions together – one person doesn’t call all the shots. It can be small issues like deciding what to watch on the TV to bigger issues like figuring out where you want to raise a family. “Knowing your partner has your back and vice versa is a great source of comfort in the game of love,” says Spira.</p> <p>You function as a unit and think in terms of “we” instead of “I.” Remember that you’re on the same team, says relationship expert Andrea Syrtash, author of<em> Cheat on Your Husband (with Your Husband)</em>. “It doesn’t make sense to have a winner and a loser in an argument,” Syrtash says. “You’re more likely to fight more fairly when you consider this.”</p> <p><em>Image credits: Getty Images</em></p> <p><em>This article originally appeared on <a href="https://www.readersdigest.com.au/true-stories-lifestyle/relationships/11-daily-habits-of-couples-in-healthy-relationships?pages=1" target="_blank" rel="noopener">Reader's Digest</a>. </em></p>

Relationships

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7 simple wealth creation ideas for over 60s

<p>In today's world of rising costs and economic uncertainties, building wealth after the age of 60 might seem like a daunting task. However, it's essential to remember that it's never too late to take control of your financial future and explore innovative ways to boost your income and savings.</p> <p>The latest Retirement Standard from the super industry body ASFA reveals that singles aged 65-84 need an annual income of approximately $50,207 for a 'comfortable lifestyle' in retirement, while couples require a combined income of $70,806 per year. With the full age pension often falling short of these numbers, many seniors are seeking alternative ways to supplement their income during retirement.</p> <p>Let’s delve into some practical and achievable wealth creation ideas tailored to older Australians who are looking to secure their financial well-being in their golden years.</p> <ol> <li><strong>Intentional Spending</strong></li> </ol> <p>Cutting down on non-essential spending is a powerful way to save money. Review your discretionary expenses and identify areas where you can make reductions. For instance, consider cooking at home instead of dining out, exploring free or low-cost local activities for entertainment, and delaying the purchase of luxury items. Prioritise experiences that provide value without straining your budget.</p> <ol start="2"> <li><strong>Pressure Test Your Retirement Strategy</strong></li> </ol> <p>It's essential to regularly review your retirement plan, taking into account the evolving financial landscape, legislative changes, and opportunities to minimise costs. By doing so, you can maximise the funds under your control and make informed decisions that align with your retirement goals. Keep in mind that the financial world is dynamic, and staying proactive in managing your retirement assets can lead to a more secure and comfortable retirement.</p> <ol start="3"> <li><strong>Get rid of things you don't need by selling online</strong></li> </ol> <p>Embrace the digital age and leverage online marketplaces to turn your unneeded possessions into cash. If you're not tech-savvy, don't hesitate to enlist the help of your grandchildren or any trusted youngster who can guide you through the process. Selling items online not only declutters your living space but also opens up opportunities to supplement your retirement income. Embracing technology can be empowering and profitable at any age!</p> <ol start="4"> <li><strong>Part-Time Job Opportunities in the Gig Economy</strong></li> </ol> <p>Embrace the gig economy by exploring part-time job opportunities. Various platforms offer flexible work arrangements suitable for seniors, such as rideshare driving or food delivery services. These roles allow you to set your own hours and supplement your retirement income.</p> <ol start="5"> <li><strong>Freelancing or Consulting</strong></li> </ol> <p>Your years of experience and expertise are valuable assets. Consider venturing into part-time freelancing or consulting opportunities within your field. Many businesses are eager to hire experienced professionals for specific projects or advisory roles, providing an opportunity to boost your income without a full-time commitment.</p> <ol start="6"> <li><strong>Renting Out a Spare Room</strong></li> </ol> <p>If you have extra space in your home, consider renting out a spare room to short-term guests. Websites like Airbnb make it easy to find renters, providing a consistent source of income and helping to cover housing costs.</p> <ol start="7"> <li><strong>Compare and Save</strong></li> </ol> <p>Once you've reviewed your spending habits, identify areas where you can potentially save money by shopping around and obtaining comparison quotes. Renegotiating bills and subscriptions can also yield significant savings. Don't forget to review your insurance policies, adjusting the coverage and excess to potentially reduce premiums.</p> <p>Creating wealth in your golden years may seem challenging, but with the right approach and determination, it's entirely achievable. By exploring these simple and practical ideas, older Australians can take steps toward securing their financial future and enjoying a comfortable retirement. Remember that every financial decision should align with your individual circumstances and objectives. </p> <p>However, it's crucial to note that earning extra income during retirement can impact age pension payments. It can be worth seeking financial advice about the best way to increase income during retirement without compromising any other entitlements, so consider seeking professional guidance to make informed choices on your path to financial security, ensuring a comfortable and worry-free retirement.</p> <p><em><strong>Amanda Thompson, author of Financially Fit Women, is a sought-after speaker and qualified financial adviser.  As the founder of Endurance Financial, Amanda is driven to renew personal and confidence by providing the financial knowledge and guidance to have a great relationship with money allowing you to become your own CFO (Confident, Focussed &amp; On top of your Finances). For more information visit <a href="http://www.endurancefinancial.com.au">www.endurancefinancial.com.au</a></strong></em></p> <p><em>Image credits: Getty Images</em></p> <p><span style="color: #0b4cb4;"> </span></p>

Retirement Income

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"Buddy is the star": Jamie Oliver's son scores his own show

<p>Buddy Oliver is a chip off the old block after landing his own cooking show for the <em>BBC</em>, according to reports. </p> <p>The 12-year-old has already made a name for himself with his YouTube channel <em>Cooking Buddies, </em>where he creates cooking tutorials with his famous dad, the iconic Jamie Oliver, in their family home. </p> <p>With an impressive fanbase of over 133,000 subscribers, Buddy's skills have been recognised and he is now reportedly set to appear on the small screen. </p> <p>"Buddy has taken all of his dad's experience on board and is about to put it into play with his own cookery show," a source told <em>The Sun</em>. </p> <p>The budding cook will reportedly be joined by other kids on the show, who will learn tips from him on how to get started on cooking. </p> <p>"Jamie's fans have long been asking for his son to have his own show for their kids to enjoy," the source added, claiming that Buddy will be the star of the show. </p> <p>"Buddy is the star of the show. Jamie is keen for his son to prove himself to telly audiences, not just live off the family name.</p> <p>"So Buddy's got to showcase his technical skills and presenting ability. But if his YouTube work is anything to go by, it'll be natural for him," the source said. </p> <p>Buddy is the second youngest of Jamie's children with his wife Jools. </p> <p>He has three older sisters  Poppy, 21, Daisy Boo, 20, and Petal, 14, and a younger brother seven-year-old River Rocket. </p> <p><em>Image: YouTube</em></p>

Food & Wine

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Pilot praised for revealing simple trick to cope with severe turbulence

<p>A pilot has shared his simple "water bottle trick" for anxious passengers to cope with turbulence in the air. </p> <p>Sydney-sider Jimmy Nicholson and his wife Holly recently shared a video of their bumpy flight with "horrible" turbulence that went viral on TikTok, after Jimmy shared his tips on how to cope with the anxiety. </p> <p>In the video, his wife was filmed hyperventilating, and at one point even pulled out a sick bag. The couple held hands as other passengers were heard screaming during the wild turbulence. </p> <p>“So we’re at the back of the plane so it’s worse here," Jimmy, who looked more calm than most passengers, said in the clip. </p> <p>“It’s not comfortable, probably some of the worst I’ve been in. Could be widespread storms so pilots just have to pick their path of least resistance and go through it so nothing to worry about.</p> <p>“Planes are built to withstand way worse. Not fun evidently, but completely fine.</p> <p>“I’m a pilot and actually fly this aircraft type (Airbus). Here’s why you have nothing to worry about.”</p> <p>For those terrified of turbulence, Jimmy suggested looking at the water inside an upside down water bottle. </p> <p>“Water bottle trick: The water isn’t moving much, is it?” he said.</p> <p> </p> <div class="embed" style="box-sizing: inherit; margin: 0px; padding: 0px; border: 0px; font-size: 16px; vertical-align: baseline; outline: none !important;"><iframe class="embedly-embed" style="box-sizing: inherit; margin: 0px; padding: 0px; border: 0px; font-size: 16px; vertical-align: baseline; outline: none !important; width: 603px; max-width: 100%;" title="tiktok embed" src="https://cdn.embedly.com/widgets/media.html?src=https%3A%2F%2Fwww.tiktok.com%2Fembed%2Fv2%2F7272043055874723073&amp;display_name=tiktok&amp;url=https%3A%2F%2Fwww.tiktok.com%2F%40jimmy_nicholson%2Fvideo%2F7272043055874723073%3F_r%3D1%26_t%3D8fD3XY38vB4&amp;image=https%3A%2F%2Fp16-sign-sg.tiktokcdn.com%2Fobj%2Ftos-alisg-p-0037%2FoM6n8BXn3ENnHuqtQEMUDb4jUe6fkgAi0BORgF%3Fx-expires%3D1693292400%26x-signature%3DrKGHV84h94FBzJrVu4RsUV8upK0%253D&amp;key=5b465a7e134d4f09b4e6901220de11f0&amp;type=text%2Fhtml&amp;schema=tiktok" width="340" height="700" frameborder="0" scrolling="no" allowfullscreen="allowfullscreen"></iframe></div> <p>He added that if the water appears to be moving gently in the water bottle, then the turbulence feels worse than it actually is. </p> <p>“Remind yourself it’s completely normal. The plane isn’t going to fall out of the sky,” he said.</p> <p>The pilot suggested turning on the air conditioning and looking out the window to calm your nerves. </p> <p>The video ended with passengers clapping after they rode out the turbulence, and the TikTok has been viewed over 2.4 million times, with many thanking Jimmy for his tips. </p> <p>“This helps so much! We need more pilots to post about the stuff the rest of us think will be the last minutes of our lives,” one wrote.</p> <p>“Thank you for explaining this. I’m an anxious flyer and seeing you talk about it has helped," commented another. </p> <p>“Thank you for this video. I saved it and going to watch it in my flights when I am frightened," wrote a third. </p> <p><em>Images: TikTok/ Instagram</em></p>

Travel Trouble

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5 tips for getting off gas at home – for a cleaner, cheaper, healthier all-electric future

<p><a href="https://theconversation.com/profiles/trivess-moore-12580">Trivess Moore</a>, <em><a href="https://theconversation.com/institutions/rmit-university-1063">RMIT University</a></em>; <a href="https://theconversation.com/profiles/alan-pears-52">Alan Pears</a>, <em><a href="https://theconversation.com/institutions/rmit-university-1063">RMIT University</a></em>, and <a href="https://theconversation.com/profiles/nicola-willand-441807">Nicola Willand</a>, <em><a href="https://theconversation.com/institutions/rmit-university-1063">RMIT University</a></em></p> <p>Burning gas in our homes to cook food or heat air and water has become a contentious issue. Gas is an expensive, polluting fossil fuel, and there’s mounting evidence to suggest it’s also <a href="https://www1.racgp.org.au/ajgp/2022/december/health-risks-from-indoor-gas-appliances">bad for our health</a>.</p> <p>Five million existing Australian households will need to <a href="https://grattan.edu.au/report/getting-off-gas/">get off gas</a> within the next 30 years. But for homeowners, the upfront cost can be a major barrier to action. Renters rarely get a say over the appliances installed in their homes. And apartment owners can struggle to make individual changes too.</p> <p>In most cases it’s worth making the switch, for the energy bill savings alone. For example, analysis suggests a household in Melbourne switching from gas to electricity can save <a href="https://theconversation.com/all-electric-homes-are-better-for-your-hip-pocket-and-the-planet-heres-how-governments-can-help-us-get-off-gas-207409">up to A$13,900</a> over a decade.</p> <p>If you’re contemplating upgrading gas appliances in your home, or even disconnecting from the gas network altogether, here are a few handy tips and resources to cut through the confusion.</p> <figure><iframe src="https://www.youtube.com/embed/2JuZgXz6zNo?wmode=transparent&amp;start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe><figcaption><span class="caption">Homes must switch away from gas by 2050, says policy think tank (ABC News)</span></figcaption></figure> <h2>Tip 1 – Find trusted, independent information</h2> <p>There is no shortage of information on how to make the switch from gas to all-electric appliances. The challenge is finding <a href="https://theconversation.com/we-need-a-lemon-law-to-make-all-the-homes-we-buy-and-rent-more-energy-efficient-204369">trusted and independent information</a>.</p> <p>Not-for-profit organisation <a href="https://renew.org.au/">Renew</a> has compiled a range of <a href="https://renew.org.au/resources/how-we-can-help/efficient-electric-homes/how-we-can-help-going-off-gas/">presentations, guides, case studies and research</a>. <a href="https://www.choice.com.au/">Choice</a> provides independent reviews of household appliances, including operating costs. The Australian government’s <a href="https://www.energyrating.gov.au/">Energy Rating website</a> provides information on appliances to help consumers compare performance. Some <a href="https://www.yarracity.vic.gov.au/services/take-climate-action">local councils</a> and <a href="https://totallyrenewableyack.org.au/">community groups</a> also provide information, support and bulk-buying schemes.</p> <p>You could also visit some of the all-electric homes open to the public for <a href="https://sustainablehouseday.com/">Sustainable House Day</a>. This can help you learn what works from people who have already made the change.</p> <p>The <a href="https://www.facebook.com/groups/MyEfficientElectricHome">My Efficient Electric Home</a> group on Facebook is another active and helpful forum.</p> <p>If you are going all-electric as part of a wider retrofit, consider an independent <a href="https://www.homescorecard.gov.au/">Residential Efficiency Scorecard assessment</a>. This will help you understand what to else you can do to maximise <a href="https://theconversation.com/the-other-99-retrofitting-is-the-key-to-putting-more-australians-into-eco-homes-91231">thermal comfort, environmental benefits and financial outcomes</a>.</p> <h2>Tip 2 – Plan your approach</h2> <p>Once you understand what to do, the next step is planning how to go about it. Think about what is most important to your household. What is driving the change? If it’s your health, you might like to start by eliminating indoor air pollution from the gas stove. Or if you want to save money, start using reverse-cycle air conditioning to heat your home, rather than gas.</p> <p>There are three main ways to go all-electric:</p> <ul> <li> <p><strong>Replace all your gas appliances at once</strong>. Making the change quickly minimises disruption to your home. You may save money on installation costs by doing everything in one go. You will avoid ongoing fixed gas supply charges once you disconnect from the gas network, but you may be required to pay an “<a href="https://energy.act.gov.au/switching-off-your-gas-connection/">abolishment fee</a>” for permanent disconnection. That fee can vary significantly, depending on your location and gas provider. Costs <a href="https://www.smh.com.au/environment/sustainability/would-you-pay-1000-to-get-off-gas-consumer-dismay-over-disconnection-cost-20230223-p5cmw9.html">could be up to $1000 (or more)</a> but some states like Victoria have capped the price a <a href="https://reneweconomy.com.au/fossil-gas-death-spiral-regulator-sets-exit-fee-to-socialise-cost-of-mass-disconnection/">household can be charged at $220</a>. Renters wouldn’t be able to permanently disconnect without permission from the landlord, so they would still be open to paying the daily connection fee even if they found alternative electric options for everything else.</p> </li> <li> <p><strong>Replace your gas appliances one at a time</strong>, as finances allow. However, there will come a point where <a href="http://www.ata.org.au/wp-content/projects/CAP_Gas_Research_Final_Report_251114_v2.0.pdf">financially you will be better off</a> replacing all the remaining gas appliances. This is largely because it will not be affordable to keep paying the daily connection cost for gas if you just have one gas appliance remaining.</p> </li> <li> <p><strong>Just stop using gas appliances</strong> in favour of existing electric appliances that do the same job, such as a <a href="https://reneweconomy.com.au/the-traps-laid-by-the-fossil-gas-industry-for-uninformed-households/">reverse cycle air conditioner for space heating</a>. You may have – or can buy – plug-in electric alternatives, such as a microwave ovens, portable induction cooktops, air fryers and heaters. These can be a good option for renters when landlords won’t make changes.</p> </li> </ul> <p>You could even borrow portable appliances to see how they work before committing to buying your own.</p> <figure><iframe src="https://www.youtube.com/embed/tLjWZicC4mE?wmode=transparent&amp;start=2" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe><figcaption><span class="caption">Households share their electrification journey (Renew)</span></figcaption></figure> <h2>Tip 3 – Access available rebates and resources</h2> <p>Most states offer various rebates for households to reduce the upfront cost of replacing gas appliances. These could reduce costs by thousands of dollars. Some rebates also target rental housing. Here is a list of key rebates available in different states:</p> <ul> <li><a href="https://www.epw.qld.gov.au/about/initiatives/household-energy-savings-program">Queensland</a></li> <li><a href="https://www.energy.nsw.gov.au/households/rebates-grants-and-schemes">New South Wales</a></li> <li><a href="https://www.climatechoices.act.gov.au/policy-programs/home-energy-support-rebates-for-homeowners">ACT</a></li> <li><a href="https://www.energy.vic.gov.au/for-households/victorian-energy-upgrades-for-households">Victoria</a></li> <li><a href="https://recfit.tas.gov.au/household_energy/energy_saver_loan_scheme">Tasmania</a></li> <li><a href="https://www.sa.gov.au/topics/energy-and-environment/using-saving-energy/retailer-energy-productivity-scheme">South Australia</a></li> </ul> <p>Some not-for-profit organisations (such as the <a href="https://www.bsl.org.au/services/energy-assistance/">Brotherhood of St Laurence</a>) offer financial and other support for lower-income households struggling to pay their energy bills.</p> <h2>Tip 4 – Wait for a sale or negotiate a better deal</h2> <p>It might sound simple but you can always save money by waiting until these electric appliances are on sale. If you are buying multiple appliances you can try to negotiate a better price. Factory seconds outlets offer lower prices as well.</p> <h2>Tip 5 – Know the issues</h2> <p>While the shift to all-electric will likely provide many benefits there are some things you need to consider:</p> <ul> <li>The carbon emissions from electricity are falling fast, and many homes have rooftop solar. Combining <a href="https://grattan.edu.au/report/getting-off-gas/">all-electric with solar panels</a> will maximise returns.</li> <li>You may have to adjust to how new technologies operate and perform. For example, you may need <a href="https://www.theage.com.au/goodfood/tips-and-advice/do-you-really-have-to-buy-new-cookware-all-your-burning-questions-about-induction-cooking-answered-20230810-p5dvd0.html">new, metallic cookware for an induction cooktop</a> and become familiar with their fast response. Additionally, some people find heat from reverse cycle air conditioners to be drier and/or draughtier than gas heating. Floor-mounted units heat more effectively.</li> <li>It is not just the energy performance of appliances that matters. For example, noise from heat pump hot water services can vary across different brands. They can also require more space for installation.</li> <li>Undertaking a wider energy retrofit (for example, increasing insulation in walls, ceiling and underfloor, upgrading windows to double glazing) may mean you can buy a smaller, cheaper reverse cycle air conditioner when replacing gas heating.</li> <li>Electric appliances also need maintenance to make sure they perform optimally. For example, reverse cycle air conditioners have filters that must be regularly cleaned. While this can be done by households, it can be hard for people with mobility issues.</li> <li>Depending on the capacity of your electricity switchboard or wiring, extra electric appliances may require upgrades.</li> <li>For renters, while you could use portable appliances, you may not be able to disconnect from gas completely, meaning you would still have to pay a daily connection fee.</li> <li>Gas and electricity prices can change over time, for many reasons. For example, if fixed gas distribution costs are spread over fewer customers.</li> </ul> <h2>A worthwhile investment</h2> <p>Australian states and territories have started banning gas in new builds. Victoria and the ACT will soon require <a href="https://theconversation.com/cooking-and-heating-without-gas-what-are-the-impacts-of-shifting-to-all-electric-homes-210649">new housing and major renovations to be all-electric</a>. Others are likely to follow.</p> <p>For people in existing housing around Australia, it can be daunting to make the switch. Many of us have grown up with gas in our homes and when one appliance breaks, the easiest thing to do is replace like-for-like. But the weight of evidence shows it’s worth taking the time to look at the alteratives and invest in upgrading to all-electric appliances. The benefits far outweigh the costs. <!-- 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/211261/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/trivess-moore-12580">Trivess Moore</a>, Senior Lecturer, School of Property, Construction and Project Management, <a href="https://theconversation.com/institutions/rmit-university-1063">RMIT University</a>; <a href="https://theconversation.com/profiles/alan-pears-52">Alan Pears</a>, Senior Industry Fellow, <a href="https://theconversation.com/institutions/rmit-university-1063">RMIT University</a>, and <a href="https://theconversation.com/profiles/nicola-willand-441807">Nicola Willand</a>, Senior Lecturer, School of Property, Construction and Project Management, <a href="https://theconversation.com/institutions/rmit-university-1063">RMIT University</a></em></p> <p><em>Image credits: Getty Images </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/5-tips-for-getting-off-gas-at-home-for-a-cleaner-cheaper-healthier-all-electric-future-211261">original article</a>.</em></p>

Home & Garden

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"I didn't do anything. I love them": Woman who cooked meal with deadly mushrooms speaks out

<p>A Victorian woman who cooked the meal that resulted in the suspected mushroom poisoning,  which left three elderly family members dead and one fighting for his life has tearfully broken her silence. </p> <p>Erin Patterson, 48, served the lunch to four people at Leongatha on July 29, including her former in-laws Don and Gail Patterson, who after falling sick later that evening, passed away from symptoms consistent with death cap mushroom poisoning.  </p> <p>Gail's sister Heather Wilkinson also passed away, with Heather’s husband, Ian in a critical condition at Melbourne’s Austin Hospital after suffering from the suspected poisoning. </p> <p>"I didn't do anything. I love them," Erin told  <em>A Current Affair. </em></p> <p>A clearly distraught Erin confused Don for Ian, who is currently being treated for his symptoms. </p> <p>"I'm devastated that they're gone and I hope with every fibre of my being that Don pulls through."</p> <p>“I’m so devastated by what’s happened, by the loss of Don, Don is still in hospital, by the loss of Ian and Heather and Gail," she repeated. </p> <p>“They were some of the best people I’ve ever met.</p> <p>“Gail was like the mum I didn’t have because my mum passed away four years ago, Gail had never been anything but good and kind to me,” she added.</p> <p>“Ian and Heather were some of the best people I’d ever met. They never did anything wrong to me.</p> <p>“I’m so devastated about what’s happened and the loss to the community and to the families and to my own children. They've lost their grandmother," she said, and added that she felt "so sorry" that they lost their lives.</p> <p>Erin was interviewed by police and later on released. Officials had also removed her two children from her care as a “precaution”. </p> <p>Homicide Squad Detective Inspector Dean Thomas also added that police are still determining whether this was an accident or a crime. </p> <p>“We’re working to determine what has gone on, to see if there is any nefarious activity that has occurred or if it was accidental.”</p> <p>“We have to keep an open mind,” he said.</p> <p>Police were also still unsure where the mushrooms were sourced from, and that it was a "complex case". </p> <p><em>Image: A Current Affair</em></p>

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Cooking (and heating) without gas: what are the impacts of shifting to all-electric homes?

<p><em><a href="https://theconversation.com/profiles/trivess-moore-12580">Trivess Moore</a>, <a href="https://theconversation.com/institutions/rmit-university-1063">RMIT University</a>; <a href="https://theconversation.com/profiles/alan-pears-52">Alan Pears</a>, <a href="https://theconversation.com/institutions/rmit-university-1063">RMIT University</a>, and <a href="https://theconversation.com/profiles/joe-hurley-157161">Joe Hurley</a>, <a href="https://theconversation.com/institutions/rmit-university-1063">RMIT University</a></em></p> <p>Gas connections for all new housing and sub-divisions will be <a href="https://www.premier.vic.gov.au/new-victorian-homes-go-all-electric-2024">banned in Victoria</a> from January 1 next year. The long-term result of the state government’s significant change to planning approvals will be all-electric housing. The ACT made <a href="https://www.climatechoices.act.gov.au/policy-programs/preventing-new-gas-network-connections">similar changes</a> early this year, in line with a shift away from gas across <a href="https://www.bbc.com/news/science-environment-47559920">Europe</a> and <a href="https://www.theguardian.com/environment/2023/jan/19/gas-stove-culture-war-united-states">other locations</a>, although the NSW Premier Chris Minns has <a href="https://www.theguardian.com/australia-news/2023/jul/31/nsw-wont-ban-gas-in-new-homes-as-premier-declares-i-dont-need-another-complication">baulked</a> at doing the same.</p> <p>Around <a href="https://www.energy.vic.gov.au/renewable-energy/victorias-gas-substitution-roadmap">80% of homes</a> in Victoria are connected to gas. This high uptake was driven by gas being seen as more affordable and sustainable than electricity over past decades. The situation has <a href="https://www.iea.org/events/net-zero-by-2050-a-roadmap-for-the-global-energy-system">changed dramatically</a> as renewable electricity generation increases and <a href="https://www.abc.net.au/news/2023-07-27/aemo-wholesale-electricity-prices-fall-impact-power-bills/102654498">costs fall</a>.</p> <p><a href="https://theconversation.com/all-electric-homes-are-better-for-your-hip-pocket-and-the-planet-heres-how-governments-can-help-us-get-off-gas-207409">Research</a> has suggested for more than a decade that the benefits of all-electric homes <a href="https://bze.org.au/research_release/energy-efficient-buildings-plan/">stack up in many locations</a>. New homes built under mandatory building energy performance standards (increasing from <a href="https://thefifthestate.com.au/innovation/building-construction/victoria-kicks-the-can-down-the-road-again-on-the-national-construction-code/">6 to 7 stars</a> in Victoria in May 2024) need smaller, cheaper heating and cooling systems. Installing reverse-cycle air conditioning for cooling provides a cost-effective heater as a bonus.</p> <p>Savings from not requiring gas pipes, appliances and gas supply infrastructure help to offset the costs of highly efficient electric appliances. Mandating fully electric homes means economies of scale will further reduce costs.</p> <h2>How does this ban help?</h2> <p>To achieve environmentally sustainable development, reforms of planning policy and regulation <a href="https://theconversation.com/sustainable-cities-australias-building-and-planning-rules-stand-in-the-way-of-getting-there-84263">are essential</a> to convert innovation and best practice to mainstream practice. Planning policy is particularly important for apartment buildings and other housing that may be rented or have an owners’ corporation. Retrofits to improve energy efficiency can be difficult in these situations.</p> <p>Banning gas in new and renovated housing will <a href="https://grattan.edu.au/report/getting-off-gas/">cut greenhouse gas emissions</a>. It’s also <a href="https://theconversation.com/gas-cooking-is-associated-with-worsening-asthma-in-kids-but-proper-ventilation-helps-151591">healthier for households</a> and <a href="https://www.sustainability.vic.gov.au/research-data-and-insights/research/research-reports/the-victorian-healthy-homes-program-research-findings">reduces healthcare costs</a> as well as <a href="https://grattan.edu.au/report/getting-off-gas/">energy bills and infrastructure costs</a>. The Victorian government suggests the change will save all-electric households <a href="https://www.premier.vic.gov.au/new-victorian-homes-go-all-electric-2024">about $1,000 a year</a>. Houses with solar will be even better off.</p> <p>The government appears to be offering wide support to ensure these changes happen, but this will need to be monitored closely.</p> <p>Some households will face extra costs for electric appliances and solar panels. The government’s announcement of <a href="https://www.premier.vic.gov.au/new-victorian-homes-go-all-electric-2024">$10 million</a> for Residential Electrification Grants should help with some of these costs while the industry adjusts.</p> <p>There will be impacts and benefits for the local economy. Some jobs may be lost, particularly in the gas appliance and plumbing industry. The government has announced financial support to retrain people and they will still have essential roles in the existing housing sector.</p> <p>Many gas appliances are imported, including ovens, cooktops and instantaneous gas water heaters. Some components of efficient electric products, such as hot water storage tanks, are made locally. Local activities, including distribution, sales, design, installation and maintenance, comprise much of the overall cost.</p> <h2>Challenges of change must be managed</h2> <p>Sustainability benefits will depend on what <a href="https://grattan.edu.au/report/getting-off-gas/">happens with the energy network</a>. We need more renewable energy, energy storage and smarter management of electricity demand.</p> <p>The shift to all-electric homes may mean winter peak demand for heating increases. Energy market operators and governments will have to monitor demand changes carefully to avoid the reliability issues we already see in summer. However, improving energy efficiency, energy storage and demand management will help reduce this load (and household costs).</p> <p>While the benefits are clear for new homes, the changes may <a href="https://www.bsl.org.au/research/publications/enabling-electrification/">increase gas costs and energy poverty</a> for residents of existing housing who don’t shift to efficient electric solutions. The government has reconfirmed financial rebates to help households switch from gas.</p> <p>In addition, existing housing may face building quality and performance issues. Some may require electrical wiring upgrades as part of the transition.</p> <p>Social acceptance of some electric appliances may also be an issue. For example, <a href="https://www.rmit.edu.au/about/schools-colleges/property-construction-and-project-management/research/research-centres-and-groups/sustainable-building-innovation-laboratory/projects/heet-housing-energy-efficiency-transitions">our research</a> has found some households dislike the way heating from reverse cycle air conditioners feels. Others do not like cooking on induction cooktops.</p> <p>Consumer education and modifications to appliances and buildings may be needed to increase acceptance and avoid backlash.</p> <p>Some electric appliances are available overseas but not in Australia. Higher demand may increase the range of imports. For example, floor-mounted heat pumps can make heating feel similar to gas heating while still providing effective cooling.</p> <p>We should not assume electric appliances are all equal. To improve consumer protection, action is needed on weak standards and limited and inconsistent public information. For example, information on noise levels and efficiency under a range of weather conditions must be standardised.</p> <p>Moving housing away from gas is an <a href="https://link.springer.com/book/10.1007/978-981-99-2760-9">important step</a> in the transition to a zero-carbon economy and energy system. Careful management is needed to ensure this transition is effective, accepted and fair.</p> <p>Continued planning reforms are also essential to ensure environmentally sustainable development of housing and communities. Other urgent priorities include urban cooling and greening, and <a href="https://theconversation.com/turning-the-housing-crisis-around-how-a-circular-economy-can-give-us-affordable-sustainable-homes-208745">circular economy approaches</a> to reduce the material and waste impacts of housing and thus the carbon that goes into building and running homes.<!-- 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/210649/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/trivess-moore-12580">Trivess Moore</a>, Senior Lecturer, School of Property, Construction and Project Management, <a href="https://theconversation.com/institutions/rmit-university-1063">RMIT University</a>; <a href="https://theconversation.com/profiles/alan-pears-52">Alan Pears</a>, Senior Industry Fellow, <a href="https://theconversation.com/institutions/rmit-university-1063">RMIT University</a>, and <a href="https://theconversation.com/profiles/joe-hurley-157161">Joe Hurley</a>, Associate Professor, Sustainability and Urban Planning, <a href="https://theconversation.com/institutions/rmit-university-1063">RMIT University</a></em></p> <p><em>Image credits: Getty Images</em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/cooking-and-heating-without-gas-what-are-the-impacts-of-shifting-to-all-electric-homes-210649">original article</a>.</em></p>

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“Turn your phone off”: The simple reason behind Albanese’s warning

<p>Prime Minister Anthony Albanese has issued a clear warning to the public, advising them to "turn their phones off" as a safety measure to avoid potential dangers.</p> <p>Albanese delivered this cautionary message last week while announcing the appointment of Australia's first national cybersecurity coordinator, Air Commander Darren Goldie of the Royal Australian Air Force.</p> <p>Goldie was quick to echo the Prime Minister's sentiments, emphasising the importance of mobilising both the private sector and consumers in the fight against cyber threats.</p> <p>"We all bear responsibility in this matter. Simple actions, such as turning off your phone every night for five minutes, can make a significant difference.</p> <p>"I encourage everyone watching to adopt this practice once every 24 hours, perhaps while engaging in daily routines like brushing your teeth," stated Albanese during the press conference.</p> <p>While rebooting your device on a daily basis may seem like a basic precaution, it can greatly enhance your protection against cybercriminals. Often, various applications and processes continue running in the background of your phone or computer, even when you're not actively using them.</p> <p>If unauthorised individuals gain access to these apps and processes, they can monitor your activities and collect your data, including financial information and identification documents, and even hijack your webcam or phone camera.</p> <p>By rebooting your phone, you force the closure of all background applications and processes, effectively evicting anyone attempting to track your virtual movements.</p> <p>Priyadarsi Nanda, a cybersecurity expert at the University of Technology Sydney, supported Albanese's advice, emphasising the importance of periodically turning off one's phone.</p> <p>"Considering how extensively we use smartphones in our daily lives, there have been cases where individuals haven't turned off their phones for an entire year," Dr. Nanda told <em>The Guardian</em>.</p> <p>"If there is a malicious process running, switching off the phone breaks the chain. While it may only provide protection while the phone is off, it undoubtedly frustrates potential hackers. Although not foolproof, rebooting can make it more challenging for hackers to compromise your device."</p> <p>It is crucial to note that this measure does not safeguard against all forms of cybercrime. If your password has been stolen or you are being repeatedly and strategically targeted, for example, a simple reboot is unlikely to deter the most persistent hackers.</p> <p><em>Image: Wikimedia / Australian Government</em></p>

Technology

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Embrace grey hair with our simple healthy hair tips

<p>While in the past going grey may have been seen as a negative of the ageing process, today women are embracing this as a stamp of wisdom. And why not? It’s en vogue and can look really attractive too. Thank goodness the days of “having” to hide your natural colour are gone! But just because you’re going natural, doesn’t mean there’s no effort involved. Knowing how to care for and style your grey locks is key and can make all the difference between “stylish and sixty-plus” and “stuffy and sixty-plus”. Read on for our top tips and tricks for healthy, happy hair.</p> <p><strong>Focus on your cut</strong> – A great cut is essential for any hair colour but especially for grey hair. Chances are good that you may have been dyeing your hair in the months/years leading up to embracing grey… so a decent chop may increase the health and vitality of your locks. Speak to your hairdresser about a style that suits both your face shape and lifestyle.</p> <p><strong>Swap your shampoo</strong> – Grey hair is far more prone to breakage and can also become quite dry and coarse. Ensuring that you’re using a moisturising shampoo at every wash can help keep strands in good condition.</p> <p><strong>Condition well</strong> – If you’ve been wary of conditioner in the past due to your hair being on the oily side, now is the time to become friendly again. Conditioning with a moisturising formula is essential after every shampoo. If you’re still nervous about hair becoming oily, you can try a shampoo for “normal” hair, which will nourish without weighing hair down.</p> <p><strong>Treat yourself to an at-home treatment</strong> – Once a fortnight, treat your hair with a shampoo specifically formulated for grey hair. After washing and conditioning, apply a clear colour glaze or gloss which is designed to coat the cuticle, boosting shine and general vitality.</p> <p><strong>Take care when styling</strong> – As it’s prone to dryness and breakage, applying a thermal protectant to your hair before heat styling is a great way to prevent damage from occurring. Simply comb through hair and style as normal. It’s also a good idea to try and have a day or two off a week from using your hairdryer/hot implements to give hair a good break.</p> <p><em>Images: Getty</em></p>

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