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Keen to get off gas in your home, but struggling to make the switch? Research shows you’re not alone

<p><em><a href="https://theconversation.com/profiles/sangeetha-chandrashekeran-330214">Sangeetha Chandrashekeran</a>, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a> and <a href="https://theconversation.com/profiles/julia-de-bruyn-1250694">Julia de Bruyn</a>, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a></em></p> <p>More than five million households in Australia are connected to the gas network. Tackling climate change requires homes and businesses to move away from gas, and instead embrace electric appliances as the power grid shifts to renewable energy.</p> <p>People can <a href="https://grattan.edu.au/wp-content/uploads/2023/06/Getting-off-gas-why-how-and-who-should-pay.pdf">save</a> considerable money by switching away from gas – even more so if they have solar panels installed. But still, millions of Australians haven’t yet made the move. Why?</p> <p>Our new research, <a href="https://www.bsl.org.au/research/publications/enabling-electrification/">released today</a>, seeks to shed light on this question. We focused on lower-income households in Victoria and found while most participants supported the transition from gas, few owned electric appliances for heating, cooking and hot water.</p> <p>There were two main barriers: people couldn’t afford the upfront cost of buying new electric appliances, or were renting and so had little or no say over what appliances were installed. Overcoming these and other challenges is crucial to ensure no-one gets left behind in Australia’s energy transition.</p> <h2>Making it fair for all</h2> <p>Victoria has <a href="https://www.climatechange.vic.gov.au/climate-action-targets">committed</a> to net-zero greenhouse gas emissions by 2045. To help achieve this, the state government is developing a <a href="https://www.energy.vic.gov.au/renewable-energy/victorias-gas-substitution-roadmap">plan</a> for the state to electrify. Other states and <a href="https://www.climatechoices.act.gov.au/energy/switching-from-gas#:%7E:text=The%20ACT%20will%20transition%20away%20from%20fossil%20fuel,ACT%20during%203%20March%20%E2%80%93%2020%20April%202023.">territories</a> are also moving in this direction.</p> <p>But to date, not enough research and policy attention has been paid to making this transition fair and equitable for everyone.</p> <p>Low-income households <a href="https://www.bsl.org.au/research/publications/energy-stressed-in-australia/">spend</a> a larger proportion of their income on energy bills compared to higher-income households. This is despite those households using less energy.</p> <p>The affordability of gas will become worse as more households electrify. That’s because part of a gas bill includes the fixed cost of running gas infrastructure – so as progressively fewer people use gas, the remaining users pay more.</p> <p>And those who don’t make the move away from gas miss out on the long-term economic benefits. <a href="https://www.energy.vic.gov.au/__data/assets/pdf_file/0039/579882/Victorias-Gas-Substitution-Roadmap-Embracing-electricity-to-cut-your-bills-at-home.pdf">Analysis</a> last year suggested a typical Victorian household could reduce its annual energy costs by A$1,020 by replacing gas heating, cooking and hot water systems with electric ones. The figure rises to $1,250 for those with solar power. These savings will be amplified if the price of gas continues to rise relative to electricity.</p> <p>That’s why it’s important to help as many lower-income people as possible to make the switch to electric appliances. Our research set out to understand what might prevent or enable that shift.</p> <p>We studied households in Victoria: the state with the highest prevalence of residential gas use in Australia and where plans for an economy-wide transition away from fossil gas are underway.</p> <h2>What we found</h2> <p>We conducted an online survey, which received 220 eligible responses. We also undertook focus groups with 34 people. All participants were from lower-income households.</p> <p>Most participants – 88% – used gas in the home, reflecting its prevalence in Victoria.</p> <p>More than two-thirds indicated some level of support for a transition away from household gas to cleaner energy sources. Support was greater with higher levels of education. There was no significant difference based on financial stress, housing tenure, location or age.</p> <p>But this support had not translated into action. Just one in ten surveyed households had replaced gas appliances with electric ones within the past five years. Among those who had switched or planned to switch, the main reasons were lower running costs and environmental benefits.</p> <p>Respondents considered electric appliances to be safer and better for the environment. Gas appliances were considered better for heating and cooking. Many respondents were unsure about the relative benefits of electric versus gas appliances when it came to cost, reliability, safety and the environment.</p> <figure class="align-center "><img src="https://images.theconversation.com/files/538548/original/file-20230720-15-61nj78.jpg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=754&amp;fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/538548/original/file-20230720-15-61nj78.jpg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=600&amp;h=175&amp;fit=crop&amp;dpr=1 600w, https://images.theconversation.com/files/538548/original/file-20230720-15-61nj78.jpg?ixlib=rb-1.1.0&amp;q=30&amp;auto=format&amp;w=600&amp;h=175&amp;fit=crop&amp;dpr=2 1200w, https://images.theconversation.com/files/538548/original/file-20230720-15-61nj78.jpg?ixlib=rb-1.1.0&amp;q=15&amp;auto=format&amp;w=600&amp;h=175&amp;fit=crop&amp;dpr=3 1800w, https://images.theconversation.com/files/538548/original/file-20230720-15-61nj78.jpg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=754&amp;h=221&amp;fit=crop&amp;dpr=1 754w, https://images.theconversation.com/files/538548/original/file-20230720-15-61nj78.jpg?ixlib=rb-1.1.0&amp;q=30&amp;auto=format&amp;w=754&amp;h=221&amp;fit=crop&amp;dpr=2 1508w, https://images.theconversation.com/files/538548/original/file-20230720-15-61nj78.jpg?ixlib=rb-1.1.0&amp;q=15&amp;auto=format&amp;w=754&amp;h=221&amp;fit=crop&amp;dpr=3 2262w" alt="" /><figcaption><span class="caption">Graph showing the benefits of gas versus electric appliances, as perceived by participants in the study.</span> <span class="attribution"><span class="license">Author provided</span></span></figcaption></figure> <p>Preferences were strongly linked to what people were currently using. Most people preferred gas cooktops over electric ones, because of the perceived speed, ease and flexibility. However, few participants had used electric induction stoves, which can also offer these benefits.</p> <p>People who spoke a language other than English were significantly more likely to prefer gas for heating and hot water.</p> <p>For those who had not replaced gas appliances, being a renter was one of the biggest barriers to electrification. Some renters said they lived in poor housing, but were unwilling to request improvements in case the landlord increased the rent or evicted them.</p> <p>Respondents also said they would struggle to afford the upfront costs of electrification, such as buying new appliances and, in some cases, wiring upgrades and other building modifications.</p> <p>Many participants were aware of and had received state government assistance to help with energy bills. But far fewer people knew about or had used <a href="https://www.solar.vic.gov.au/home-heating-cooling-upgrades?redirectSrc=heatingupgrades.vic.gov.au">programs</a> that could support them to adopt electric appliances.</p> <h2>Embracing the switch</h2> <p>An overall strategy is needed to help all households make the shift to electric appliances and technology. Our research suggests this must include specific measures for lower-income households, such as:</p> <ul> <li> <p>targeted and well-promoted electrification programs</p> </li> <li> <p>more evidence-based information on the benefits of electric appliances</p> </li> <li> <p>incentives for landlords and standards requiring efficient electric appliances in rental homes</p> </li> <li> <p>means-tested rebates for electric appliances such as reverse cycle air-conditioners and heat pump hot water, and where appropriate, no- or low-interest loans.</p> </li> </ul> <p>These measures should, where possible, be linked to measures to improve household energy efficiency. And lower-income households, as well as others facing barriers to getting off gas, must be included when planning the transition.</p> <p><em>Researchers David Bryant and Damian Sullivan from the Brotherhood of St Laurence contributed to this article and co-authored the research upon which it is based.<!-- 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/209589/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 --></em></p> <p><em><a href="https://theconversation.com/profiles/sangeetha-chandrashekeran-330214">Sangeetha Chandrashekeran</a>, Senior Research Fellow, Australian Research Council Centre of Excellence for Children and Families over the Life Course, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a> and <a href="https://theconversation.com/profiles/julia-de-bruyn-1250694">Julia de Bruyn</a>, Associate Investigator, ARC Centre of Excellence for Children and Families over the Life Course, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</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/keen-to-get-off-gas-in-your-home-but-struggling-to-make-the-switch-research-shows-youre-not-alone-209589">original article</a>.</em></p>

Home & Garden

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“I am not a villain”: Woman refuses to switch plane seats for a family

<p dir="ltr">A woman from the US has defended her decision to not move from her first class plane seat so a family could sit together. </p> <p dir="ltr">In a series of now-viral videos, Maresa Friedman detailed her awkward experience on a recent Delta airlines flight, in which she was asked to move to a different seat. </p> <p dir="ltr">Maresa said a family of three wanted her to move from her allocated seat so they could all sit closer together. </p> <p dir="ltr">After specifically booking her chosen seat in first class, Maresa politely declined their request. </p> <p dir="ltr">"I am not a villain for not moving from the seat in first class I paid full fare for," Friedman, a mother-of-two, captured her clip on TikTok. "I am also a mum so it's called PLANNING AHEAD."</p> <p dir="ltr">In a series of follow up videos, the frequent traveller said it wasn’t fair to be expected to move just so the family could sit together, especially when they hadn’t planned their seats ahead of time. </p> <p dir="ltr">She also suggested the family should’ve moved to economy class if they all wanted to sit in the same row. </p> <p dir="ltr">"If the airline bumps you or moves you or whatever, totally fair, so the suggestion I gave was basically like, ‘Oh if all of you want to sit in together, in a row, since first class is two seats and two seats, I'm sure you could ask the people behind you, I think they would be super pumped to sit [in first class] so that the three of you could be together'," Friedman said.</p> <p dir="ltr">"To which, of course, I just got 'the look'. The flight attendant just looked at me like… 'That was a good suggestion'."</p> <p dir="ltr">Friedman said the family shot her "side eyes" and "death stares" for the duration of the flight because of her refusal to move.</p> <p dir="ltr">"It didn't stop this mom from [giving me] side eye, I was getting looked at, she was talking about me," she added.</p> <p dir="ltr">"If you book with the airline, because this has happened to us as a family of four who travels together, they will group your reservation together. So, the only time that you might be separated is if you miss a flight or a connection."</p> <p dir="ltr">She then offered a piece of advice to fellow travellers who insist on asking people to switch seats: purchase travel insurance.</p> <p dir="ltr">"Things like travel insurance will not only prevent problems like this, you can actually use travel insurance to file claims to get many back or rebook on another carrier," she added. "So again, all preventable."</p> <p dir="ltr">After sharing her series of videos, Maresa was flooded with comments from people who claimed she was being unfair, to which she doubled down on her position by claiming it’s not her responsibility to “accommodate '' other travellers. </p> <p dir="ltr">"Before you come for me, I have two kids, so I have been there, even in the early stages and I would buy my baby a seat next to me, but when you book with the airlines, you have to tell them to book your reservations together and that you're travelling with a minor," she continued.</p> <p dir="ltr">Friedman added, "And by the way, the few times that I did switch seats in my lifetime, it was horrific, never again."</p> <p dir="ltr"><em>Image credits: TikTok</em></p>

Travel Tips

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Women discover after 55 years that they were switched at birth

<p>Two women are suing the hospital where they were both born in 1964, after they discovered they were switched at birth.</p> <p>Jill Lopez and Tina Ennis, both 57, discovered the mix-up at the hands of the Oklahoma hospital after learning the truth from an at-home DNA test through Ancestry.com.</p> <p>The women were both born at Duncan Physicians and Surgeons Hospital on May 18th 1964, but somehow claim they were each handed off to the other's biological parents.</p> <p>Jill and Tina went 55 years without knowing the truth, until Tina sent her DNA off to Ancestry.com and received confusing results.</p> <p>With the help of her daughter and extensive internet research, Tina tracked down Jill, who took her own DNA test and confirmed that she is the actual biological daughter of Ennis' mother, Kathryn Jones.</p> <p>The two women are now suing the hospital they were switched in for recklessness and negligent infliction of emotional distress.</p> <p>Both families had no idea about the devastating mix-up until recently, and are now left struggling with the revelation.</p> <p>Kathryn Jones said one of the worst parts of the discovery was realising her grandchildren were not biologically hers either.</p> <p>"It was like somebody had ripped out a part of my heart,' Jones said. 'I just couldn't deal with it."</p> <p>Since the news broke, Jill has been spending time with her biological mother, leaving Tina heartbroken when she realised her biological parents, Joyce and John, had both passed away.</p> <p>"Jill got to be with my real parents, and now she gets to be with my parents I grew up with," Tina said.</p> <p>"I didn’t know what to think about it at first, but the more I think about it, it makes me really sad."</p> <p>Together with Kathryn Jones, Tina and Jill have filed their suit against the hospital, who are fighting back.</p> <p><em>Image credits: Facebook</em></p>

Family & Pets

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Red Cross nurse accused of switching vaccines for salt solution

<p><span>Northern German authorities are contacting thousands of people and informing them to get another COVID-19 jab after an investigation uncovered that a Red Cross nurse may have injected them with a saline solution.</span><br /><br /><span>The nurse has been suspected of injecting salt solution into people's arms instead of a real dose at a vaccination centre in Friesland, a district near the North Sea Coast.</span><br /><br /><span>"I am totally shocked by this episode," Sven Ambrosy, a local councillor, said on Facebook.</span><br /><br /><span>Local authorities are in the process of contacting over 8,600 residents who may have been affected.</span></p> <p><img style="width: 500px; height: 281.25px;" src="https://oversixtydev.blob.core.windows.net/media/7836313/vaccine.jpg" alt="" data-udi="umb://media/1e3453d989304150b35c9bbfb0e97893" /></p> <p><em>Image: Shutterstock</em><br /><br /><span>Saline solution is harmless, however many people who got vaccinated in Germany in March and April are elderly people at high risk of catching the deadly viral disease.</span><br /><br /><span>Sadly, the time frame that a majority of elderly people received the jab, coincides with when the nurse is suspected to have switched the vaccines.</span><br /><br /><span>Police investigator Peter Beer, told German media that there is "a reasonable suspicion of danger".</span><br /><br /><span>The nurse, who remains anonymous for now, made it clear on social media that she was sceptical of vaccines in social media posts, police investigators said.</span></p>

Body

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Seniors’ tips for switching energy providers

<p><span>The kids have moved on, you’re getting ready for retirement or have already done so – now it’s time to start thinking about you. Time to get out and have some fun, look after yourself, and avoid overspending unnecessarily.</span></p> <p><span>One of the ways you can cut back on the spending is by <a rel="noopener" href="https://goswitch.com.au/" target="_blank">switching energy providers</a>. Although it won’t make you rich, even saving $50-$100 a month can make a huge difference in your retirement fund. And it’s a fast and easy way to save. Before you switch though, there are a few things you need to take into account.</span></p> <p><strong><span>Understand your current plan</span></strong></p> <p><span>To start with, check your contract to see if there are any clauses that may prevent you from switching or that result in a fee if you do so. This could be included on your bill or you can give them a call and ask. Better that you understand this up-front than to be surprised down the track.</span></p> <p><span>Now, before you switch to another plan, get to know what you’re currently dealing with. You can’t get a better deal if you don’t know what you’re paying right now. Your bill should include a <em>daily supply charge</em> – which is a fixed charge to supply electricity to your property; and a <em>usage charge</em> – the charge you pay for the electricity, based on cents per kilowatt hour (c/kWh).</span></p> <p><span>Some bills may also include a <em>single rate</em>, so you pay the same amount regardless of the time of day, <em>time of use</em> which is different rates during peak and off-peak, and <em>controlled load</em> – one rate for general use and another for specific appliances. Understanding what you pay now will help you through the next step...</span></p> <p><strong><span>Know your entitlements</span></strong></p> <p><span>Did you know that once you have a Pensioner Concession Card or Seniors Card, you’re entitled to a Government discount? Ah, the benefits of getting older and wiser. Here’s a breakdown of the states:</span></p> <p><strong><span>NSW: </span></strong><span>In New South Wales, seniors receive a $200 discount, paid directly into the concession card holder’s account. </span></p> <p><strong><span>ACT:</span></strong><span> ACT offers seasonal discounts of $2.88183 per day during winter, and $0.76925 a day during summer. </span></p> <p><strong><span>WA: </span></strong><span>In Western Australia, the energy assistance payment is $305 per quarter. </span></p> <p><strong><span>SA:</span></strong><span> South Australia offers a direct daily rate cut of $0.634.</span></p> <p><strong><span>QLD: </span></strong><span>Queensland is around $340 per quarter, or </span>$0.8489 per day.</p> <p><strong>VIC: </strong>Victorians receive a 17.5% discount annually off their total bill and an extra $0.09053 off their daily rates, for electricity bills below $482.90. If your bill is more than that, you can apply for the Excess Electricity Concession.</p> <p><span>Other discounts are available as well depending on the service carrier, so do your research.</span></p> <p><span><img style="width: 500px; height: 281.25px;" src="https://oversixtydev.blob.core.windows.net/media/7839821/goswitch-2.jpg" alt="" data-udi="umb://media/04cc6129ff8a4d30b4e2f714f0e780f0" /></span></p> <p><strong><span>Compare, compare, compare</span></strong></p> <p><span>Anyone can call you up and say, “Hey, have we got a great deal for you!” But let’s face it: in this day and age you really want to be doing your research before you take their word for it.</span></p> <p><span>Using a <a rel="noopener" href="https://goswitch.com.au/compare-electricity/" target="_blank">comparison tool</a> that allows you to see the different prices, features and benefits of each energy option is your best bet. It’s a great way to determine what you want versus what you need versus what they’re trying to sell you. You can work out how much money you’ll save per quarter, find out the exact features in each plan, and learn about a range of special discounts each provider offers.</span></p> <p><span>And don’t forget to check if they have Plans for Seniors! You’ll save even more.</span></p> <p><strong><em><span>This is a sponsored article produced in partnership with </span></em></strong><span><a rel="noopener" href="https://goswitch.com.au/" target="_blank"><strong><em>GoSwitch</em></strong></a><strong><em>.</em></strong></span></p>

Money & Banking

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Five things for over-65s to consider when switching to a plant-based diet

<p>There are plenty of reasons people switch to a plant-based diet, including ethical and environmental reasons. However, a growing number of people are shunning meat for health reasons. Evidence shows that plant-based diets may help support the immune system, lower the risk of heart disease and stroke, and may be good for overall health.</p> <p>While a well-planned plant-based diet can support healthy living in people of all ages, our nutritional needs change with different life stages, so people over the age of 65 may need to take more care when opting for a plant-based diet. They may have specific nutritional needs and may need certain nutrients, vitamins and minerals to stay healthy.</p> <p>Here are some things over-65s may want to consider when switching to a plant-based diet:</p> <p><strong>1. Eat enough protein</strong><br />Older adults need more protein compared to the general adult population in order to preserve lean body mass, body function and good health. While most adults only need around 0.75g of protein per kilogram of body weight a day, it’s recommended that healthy older adults should increase their daily protein intake to 1.0-1.2g per kilogram of body weight. This is even higher for older adults who are malnourished or have a severe illness, as these conditions trigger a hypermetabolic state, where the body needs more energy and protein to function.</p> <p>To ensure adequate protein intake, make sure meals and snacks contain plant-based proteins, such as chickpeas, tofu, black-eyed beans, kidney beans, lentils, quinoa, wild rice, nuts and seeds, nut butters and soya alternatives to milk and yoghurt. Eggs and dairy products are also good protein sources if you’re including these in your diet.</p> <p><strong>2. Include calcium and vitamin D</strong><br />Calcium and vitamin D both play an important role in maintaining good bone health, which is extremely important in older age as osteoporosis and associated fractures are a major cause of bone-related diseases and mortality in older adults.</p> <p>Most adults need 700mg of calcium per day. However, women past the menopause and men over 55 should have 1200mg of calcium per day. There’s a wide range of non-dairy food products that contain calcium for those who are plant-based, including calcium fortified soya milk and almond milk, calcium fortified cereals, pitta bread, chapatti and white bread.</p> <p>For those who include fish in their diet, fish such as whitebait, and sardines and pilchards (with bones) contain good amounts of calcium per serving.</p> <p>Older adults are also recommended to get 10 micrograms (mcg) of vitamin D daily. Not only is vitamin D important for bone health, it’s also one of the nutrients involved in supporting the immune system and helping it to function properly. Older adults are more vulnerable to deficiency as they may have less sunlight exposure, and their skin is less able to synthesise vitamin D.</p> <p>Mushrooms grown in sunlight, fortified spreads, breakfast cereals, and dairy alternatives are all good sources of vitamin D.</p> <p>Having said this, it’s hard to get vitamin D from diet alone, so a supplement of 10mcg a day (especially in the winter for those who may not get outside often), is recommended. It’s worth noting that some vitamin D supplements aren’t suitable for vegans, as they may be derived from an animal source, so vitamin D2 and lichen-derived vitamin D3 may be used instead.</p> <p><strong>3. Get your vitamin B12</strong><br />Vitamin B12 is essential for making red blood cells, keeping the nervous system healthy, and providing energy. Older adults need 1.5 micrograms of vitamin B12 per day, similar to younger adults. But many older people may be at risk of vitamin B12 deficiency, affecting an estimated one in twenty people aged 65 to 74 and one in ten people over 75.</p> <p>Those who don’t eat meat, fish or eggs may not be getting enough vitamin B12, as it’s found abundantly in animal-based food sources. Some plant-based sources of vitamin B12 include fortified breakfast cereals, yeast extracts (like Marmite), soya yoghurts, and non-dairy milks. People may consider taking a Vitamin B12 supplement. Taking 2mg or less a day of vitamin B12 in supplements is unlikely to cause any harm. However, they should consult their doctor or registered dietitian first.</p> <p><strong>4. Eat iron-rich foods</strong><br />Low iron intake can be an issue for those who don’t have a varied diet, especially for men aged 65 and over living in residential care homes and women over 85.</p> <p>Iron is essential for making red blood cells, which carry oxygen around the body. It’s also essential for physical performance, wound healing, supporting the immune system, cognitive development and function and thyroid metabolism. Older adults need 8.7mg of iron a day.</p> <p>Foods containing vitamin C – such as citrus fruits – may help the body absorb iron better. Alexandra Anschiz/ Shutterstock<br />Plant sources include wholegrains, green leafy vegetables like spinach, seeds, pulses and dried fruits. Since iron in plant foods is absorbed less efficiently compared to iron in animal proteins, having vitamin C-rich foods like citrus fruits, green pepper and broccoli can help iron be better absorbed.</p> <p><strong>5. Make every bite count</strong><br />Some people find their appetite decreases as they get older. This can be caused by difficulties with chewing and swallowing, constipation, acute illness, impaired taste, vision and smell. But reduced appetite can contribute to unintentional weight loss and nutritional deficiencies. It’s therefore important to find ways to get adequate nutrition in every meal, especially when plant-based, such as:</p> <ul> <li>Including protein in each meal.</li> <li>Eat small meals and snacks in between throughout the day.</li> <li>Include plant-based milks (such as soya, almond, or coconut milk) in your tea, coffee or smoothie.</li> <li>Add olive, vegetable or sunflower oil to your favourite meals.</li> <li>Mix plant creams or vegan cheese in mashed potatoes, soups and stews.</li> <li>Add nut butters to bread, dairy-free yoghurt and smoothies.</li> </ul> <p>No matter your age, switching to a plant-based diet may have many health benefits if planned properly. Consulting with a registered dietitian before making the switch may help you develop the best plant-based diet tailored to your specific needs.</p> <p><em>Written by Taibat Ibitoye. This article first appeared on <a href="https://theconversation.com/vegetarian-and-vegan-diet-five-things-for-over-65s-to-consider-when-switching-to-a-plant-based-diet-144088">The Conversation</a>.</em></p>

Food & Wine

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4 things you should consider before switching credit cards

<p><span>Thinking about changing your credit card? Our lifestyle and how we use our money can change throughout the years, so it’s always good to re-evaluate your spending habits from time to time and check if your card still fits the bill. </span></p> <p><span>Here are the four things you should consider before switching to another credit card.</span></p> <p><strong><span>1. Annual fees</span></strong></p> <p><span>The annual fee is not always a deal-breaker – in general, the higher the annual fee is, the more rewards and features the credit card offers. However, if you don’t use your credit card often, you are unlikely to get value out of it as the annual fee cancels out the benefits.</span></p> <p><span>Some cards will also waive annual fees if you spend a certain amount in a year. But if you are not a big, regular spender, a zero-dollar annual fee card might be what you are looking for. </span></p> <p><strong><span>2. Interest rates</span></strong></p> <p><span>Not everyone can pay their bill in full every month – and this is where interest rates matter. Your ability to repay debts may be significantly influenced by the interest rates of your credit card. You may end up getting stuck in a cycle if your card is charging interest rates faster than you can pay off the bills. </span></p> <p><span>When this occurs, you might want to find a balance transfer credit card with a low or zero per cent interest rate for a limited period. You can then move your debt from the old card to the new one, save on interest and focus on getting on top of your balance. </span></p> <p><strong><span>3. Foreign transaction fees</span></strong></p> <p><span>When you are travelling overseas, having a credit card can give you a peace of mind – it makes transactions possible even if you don’t have cash at hand. This convenience comes at the cost of foreign or international transaction fees.</span></p> <p><span>You don’t even have to be abroad to be hit with these fees – if you are shopping online and the merchant happens to be out of the country, the card can still charge you to cover the currency conversion. Most banks and credit providers generally charge between 2 to 3.5 per cent on any purchases being made under these circumstances.</span></p> <p><span>Frequent travellers and shoppers can cut costs by opting for cards that have no foreign currency exchange fees. Many of these cards will also offer other travel benefits, including low to no ATM withdrawal fees.</span></p> <p><strong><span>4. Rewards</span></strong></p> <p><span>You may be a good customer, with regular spending and on-time payments. However, if the rewards that you were promised upon signing up still turn out to be elusive, it might be time to find a new card.</span></p> <p><span>Rewards might take the form of travel miles, points, cash-back, gift vouchers, special offers and more. While these benefits might sound tempting, you most likely have to spend a significant amount on the card to be able to access them. Rewards credit cards also generally come with higher interest rates.</span></p> <p><span>Are you thinking of finding a new credit card? Let us know in the comments.</span></p>

Retirement Income

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How to save money by switching mobile plans

<p><em><strong>Lisa Du is director of <span style="text-decoration: underline;"><a href="https://readytechgo.com.au/" target="_blank">ReadyTechGo</a></span>, a service that helps people gain the confidence and skills to embrace modern technology. </strong></em></p> <p>I can recall many occasions when I am with a client and I get a glimpse of their mobile phone bill and think, “Wow, you could be paying half that amount!” <br /> <br /> Several months ago, we wrote about different telco plans, and how it's important to revisit your phone plans. Telcos are frequently updating their plans, and a simple phone call to them can help save you money.<br /> <br /> After I wrote that tip, I jumped onto the Optus website and saw that their plans were updated. I contacted Optus and was able to change my plan to the new offer, saving money, and getting more for my money. <br /> <br /> I notice that many of our clients are either with Telstra or Optus for their mobiles, and many people are no longer in contract (which means you are no longer locked into a plan, as you have already paid off your handset). If you are no longer in contract, there are many great deals that you can benefit from. <br /> <br /> Telstra is known to have great coverage, but choosing Telstra often means paying a premium.<br /> <br /> Recently I had a client who was spending $50 per month on her Telstra mobile phone. Her plan included 1GB of internet data and $500 worth of calls and text. This was an old plan, and Telstra have now updated this plan with more inclusions - however they won't call you up and update your plan for you. You need to call them! <br /> <br /> I discussed the plan with my client, and we worked out what she needed in a mobile phone plan. We made a few changes, and she is now paying $25 per month, and getting more for her money! <br /> <br /> How? By switching over to a silent achiever! Smaller providers are reselling Telstra and Optus coverage, without the high prices. There are many smaller providers on the market, and here are our top picks:</p> <p><strong>ALDI MOBILE</strong></p> <p>Aldi sells SIM cards online and through its supermarket chain, and offer really great value on Telstra network.</p> <p>We chose Aldi Mobile for our client so she could stay on the Telstra network.</p> <p>We opted for their "L" pack and for $25 per month, you get the following:</p> <ul> <li>Unlimited standard calls</li> <li>Unlimited SMS</li> <li>4GB data</li> <li>Plus 100 international minutes </li> </ul> <p>As you can see, we slashed her mobile phone bill by $25 per month, and we gained an additional 3GB of data to use per month, and unlimited calls and text!</p> <p>What's even better - You can keep your existing mobile number! I was quite impressed with Aldi's process. We activated the Aldi sim, chose to keep our phone number, and within 20 minutes, the Aldi sim was up and running!</p> <p><strong>AMAYSIM</strong></p> <p>Amaysim runs on the Optus network, and has some great sim only plans.</p> <p>We chose Amaysim for another one of our clients, as they were already on the Optus network and didn't need much data.</p> <p>We chose the "Unlimited 2.5GB" deal for $20 a month, which included the following:</p> <ul> <li>Unlimited standard calls</li> <li>Unlimited SMS</li> <li>2.5GB data</li> </ul> <p>Amaysim also offers a "Unlimited 1GB" deal for $10 a month. This includes unlimited calls and text and 1GB of data, so it's a great option for those who don't need much data in their phone deal.</p> <p>If you are currently with Telstra or Optus, it's definitely worth revisiting their current deals, and thinking about switching over to a smaller provider such as Aldi Mobile or Amaysim.</p> <p>What are your thoughts?</p>

Technology

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Home & Away star's life support switched off after crash that killed her family

<p>St George Hospital in Sydney has confirmed that Jessica Falkholt's life support has been switched off, just a day after the funeral of her parents and sister, whose lives were lost in the same devastating Boxing Day car crash.</p> <p>The 28-year-old has been in St George Hospital with serious injuries clinging to her life since the collision near Ulladulla, on the NSW South Coast, almost three weeks ago. </p> <p>Last night, Falkholt's co-stars paid tribute to the actress after it was reported her life support machine had been turned off on Thursday.</p> <p>Jessica's extended family had been keeping a bedside vigil in the Intensive Care Unit at St George Hospital, where she was in a medically induced coma. </p> <p>The news of her life support being switched off came after her family’s funeral yesterday – including sister Annabelle, 21, and parents Lars, 69, and Vivian, 60.</p> <p><img width="428" height="321" src="http://cdn.newsapi.com.au/image/v1/318f5940c89eaf563345f5808b625cab" alt="The last picture of the family of four taken on Christmas Day." style="display: block; margin-left: auto; margin-right: auto;"/></p> <p>Following the devastating news, tributes flowed in for the budding actress including touching posts from her Summer Bay co-stars.</p> <p>Home and Away star Jackson Heywood shared a snap on-set with his co-star, next to which he penned: “Jess. I will always remember our beautiful long-winded chats about life, acting, philosophy, relationships and especially over-thinking....</p> <p>“If you’re lucky enough in life to meet a handful of people, or even just one - that when you look at them in the eye, and without words just know they understand you, and you them - you are just so deeply lucky...</p> <p>“So to you Jess, thank you, because I really do consider myself lucky. You are a beautifully deep and incredibly unique soul, I had the pleasure of knowing... </p> <p>“My heart is broken. I will always miss you. But I'm glad you’re with your family now. Goodbye. Sincerest condolences to the extended Falkholt family and friends. You have all my support.' </p> <p>On Wednesday, Jessica's parents Lars and Vivian and sister Annabelle were laid to rest at St Mary's Catholic Church at Concord, in Sydney's west.</p> <p>During the service, Jessica's uncle Paul Ponticello told mourners their family will forever be haunted by Christmas – the last time they were all together.</p> <p>“It is a day that will be difficult to erase from our memory. Their lives on this earth ending on a highway makes absolutely no sense,' he said.</p> <p>He also thanked the 'saviours' who risked their lives to pull Annabelle and Jessica from the crash.</p> <p>“They are together and always will be... You will always be remembered and in our hearts forever. Rest in Peace.”</p>

News

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Terrifying video of Aussie driver switching lanes without using indicator

<p>Using your indicator to signal when you want to change lanes is one of the first (and most important) things we learn about safe driving. But, as you can see in the footage below, it’s a task that’s still too difficult for some Aussie drivers.</p> <p>The terrifying footage, shared by <a href="https://www.facebook.com/DashCamOwnersAustralia/" target="_blank"><span style="text-decoration: underline;"><em><strong>Dash Cam Owners Australia</strong></em></span></a> on Facebook, shows what can happen when you try to switch lanes, without using an indicator.</p> <p>Keep your eye on the car directly ahead.</p> <p><iframe src="https://www.facebook.com/plugins/video.php?href=https%3A%2F%2Fwww.facebook.com%2FDashCamOwnersAustralia%2Fvideos%2F1567519896640978%2F&amp;show_text=0&amp;width=560" width="560" height="236" style="border: none; overflow: hidden;" scrolling="no" frameborder="0" allowtransparency="true" allowfullscreen="true"></iframe></p> <p>The incident, filmed in heavy traffic, would’ve been far worse if the other drivers weren’t paying attention.</p> <p>What are your thoughts on the footage?</p> <p><em>Hero image credit: Facebook / Dash Cam Owners Australia </em></p> <p><a href="https://oversixty.disconline.com.au/car/new_quote.jsp?hSty=EXOS&amp;cgpCde=00272&amp;hCenCde=10737&amp;LinkId=12071&amp;utm_source=over60&amp;utm_campaign=insurance&amp;utm_medium=in-article-banner-car-1&amp;utm_content=car-insurance" target="_blank"><img src="http://media.oversixty.com.au/images/EditorialAddon/201706_CarInsurance_EditorialAddon_468x60_1.gif" alt="Over60 Car Insurance - Get a quote!"/></a></p>

Insurance

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Why everyone should switch to a smart water metre to save money

<p>Did you know that there are ways to save on your household water bills other than simply using less? If you’re not taking advantage of off-peak hot water prices, you might want to start.</p> <p>Most households use water before and after work. Because of this high demand period (which spans from 2pm to 8pm Monday-Friday), many energy retailers have offered cheaper rates for those willing to use water in less-in-demand periods. 7am to 2pm Mon-Friday and 8pm to 10pm on weekends are considered “shoulder” or in-between periods, while all hours between shoulder and peak periods are the prime off-peak hours that will save you the most money.</p> <p>You can ask your energy provider about time-of-use pricing, which means you will get charged different rates according to what hour you use your hot water. If you plan accordingly, for example, avoiding showering and doing your laundry between 2pm to 8pm, you’ll save on your water heating bills.</p> <p>To take it a step further, you can even switch to a smart water system, or interval meter. An interval meter measures your energy usage every 30 minutes, charging you different rates per interval instead of a flat fee. If you’ve switched your hot water usage to off-peak hours, this will help you save money. The less peak hour water usage in your household, the more you save.</p> <p><strong>Related links:</strong></p> <p><strong><em><a href="/lifestyle/energy/2015/05/save-money-on-energy-bills/"><span style="text-decoration: underline;">4 ways to save money on your energy bills</span></a></em></strong></p> <p><strong><em><a href="/lifestyle/energy/2015/05/how-to-make-solar-power-go-further/"><span style="text-decoration: underline;">Five ways to make your solar power go EVEN further</span></a></em></strong></p> <p><strong><em><a href="/lifestyle/energy/2015/06/laundry-energy-saving-tips/"><span style="text-decoration: underline;">Can the hour you do your washing affect your energy bill? 8 energy saving tips</span></a></em></strong></p>

Home & Garden

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Digital detox holidays – could you switch off on your next trip?

<p>You would think that being constantly attached to your laptop, tablet or smartphone would make you more connected, more organised and more efficient, right? Wrong. Studies show that this kind of never ending connectivity results in your brain paying partial continuous attention, placing you in a heightened state of stress. You might think you’re getting more done by multitasking, but it’s likely that you’re just getting faster and sloppier. People find that it is harder to concentrate on conversations or to stay focused on a book, tasks that once seemed easy. And if you’re constantly checking your work email or looking at what your friends are doing on Facebook it’s hard to allow yourself to mentally “get away”, even though you’re physically removed.</p> <p>The solution could be a digital detox – no phone, no internet, no exceptions. You will need to look a little harder to find a holiday destination that has avoided the world wide web, but your brain will thank you for it.</p> <p><strong>St Vincent and the Grenadines</strong></p> <p>This Caribbean nation was one of the first pioneers of the digital detox. Visitors hand over their smartphones and other gadgets on arrival and are given a printed guidebook with suggestions for ways to spend your time. You’re even briefed before you begin your holiday on how to handle any tech-related panic and a life coach is available with advice on how to avoid letting technology rule your life.</p> <p><strong>Six Senses Soneva Fushi</strong></p> <p>The ultra luxe Six Senses chain has a “no news, no shoes” policy and encourages guest to embrace the slow life movement. Soneva Fushi is a private atoll in the Maldives that is effectively in its own black hole, so you’ve no choice but to switch off completely. But when you’re lying under the stars in your own private outdoor cinema, you probably won’t miss it so much.</p> <p><strong>Shambhala Ranch, California </strong><em>(pictured above)</em></p> <p>This secluded ranch is tucked away in the California hills and hosts just 14 guests at a time. It regularly runs three-day digital detox retreats throughout the year where tweeting and texting are replaced by yoga, hiking, meditation, arts and crafts, journaling or just relaxing in a hot tub. It’s a chance to get in touch with your inner hippy – there’s even a little tree hugging (yes, actual hugging) if you feel up for it.</p> <p><strong>The Westin, Dublin</strong></p> <p>Of course you can get phone and internet access in the heart of the Irish capital, so this one might take a bit more willpower. The hotel offers a digital detox package that includes a safe to lock away your gadgets, a detox survival kit, breakfast in bed and an in-room massage. Tuck yourself up for a few nights and switch off from the outside world. Or do things the old fashioned way and connect with real people over a few pints of Guinness.</p> <p><em>Image credit: Facebook</em></p> <p> </p>

International Travel

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The benefits of switching from coffee to tea

<p>Most people these days enjoy a cup or two (or five) of coffee every day. And while there are still many mysteries surrounding the health benefits and drawbacks, it is thought that drinking too much coffee isn’t good for you.</p><p>If you think you should be cutting your coffee intake each day, but love the ritual of sitting down with a hot drink for a few minutes, you might want to consider drinking tea instead. Perhaps you could start your day with one or two cups of coffee, but then drink tea for the rest of the day.</p><p>Here are some of the reasons you may want to switch out a couple of those cups of coffee each day for tea instead.</p><ul><li>Tea may help prevent the development of type 1 diabetes, and slow its progression if it has developed</li><li>Tea contains fluoride, which is great for protecting your teeth</li><li>Drinking three to four cups of tea per day can reduce the chance of a heart attack</li><li>Tea has been shown to protect against heart disease and some cancers</li><li>Tea hydrates you (despite the persistent rumour that its caffeine dehydrates)</li><li>Green tea may offer protection against lung cancer</li></ul><p><strong>Related links:</strong></p><p><em><strong><span style="text-decoration: underline;"><a href="http://oversixty.com.au/health/wellbeing/2014/10/things-healthy-people-do-before-bed/" target="_blank">4 things healthy people do before going to bed</a></span></strong></em></p><p><em><strong><span style="text-decoration: underline;"><a href="http://oversixty.com.au/news/news/2015/02/foods-that-age-you/" target="_blank">Are you making these ageing diet mistakes?</a></span></strong></em></p><p><em><strong><span style="text-decoration: underline;"><a href="http://oversixty.com.au/lifestyle/food-wine/2014/06/super-foods-worth-addding-to-your-cooking-now!/" target="_blank">You should add these super foods to your diet now</a></span></strong></em>&nbsp;</p>

Body

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5 diet switches that have big results

<p>Despite what you think, eating healthier doesn't have to be arduous or boring. In actual fact, just a few little switches or changes can make the world of difference and deliver great results. Here are five.</p><p><strong>Eat colourfully –</strong> When you look at your plate at each meal, make suer you see lots of different colours - and you can be sure you are covering off a variety of vitamins and minerals.&nbsp;</p><p><em><strong><span style="text-decoration: underline;"><a href="/health/wellbeing/2015/02/what-is-clean-eating/" target="_blank">Related link: What is cleaning eating, and how do you do it?</a></span></strong></em></p><p><strong>Packets are a no-no –</strong> You've likely heard a lot of negative talk about pacakged food in recent time and that's because packages equals processed. Natural should always be your first choice. Packaged food is often full of chemical, sodium and salt.</p><p><strong>Keep it simple –</strong>&nbsp;To live a healthy life, keep it simple and go back to basics - eat from the earth. Lots of fresh vegetables and fruits.&nbsp;</p><p><strong>Eat often –</strong> If you don't eat often enough and leave it until your body is starving, then you are doing your metabolism a disservice. Promote a healthy metabolism but eating regular, small meals.</p><p><strong>Portion check –</strong> Everything seems to be supersized these days - and often we are sold large options that we simply do not need. Not to mention misconceptions about serving sizes when we dish up our own meals. A good trick? Fill you plate up three quarters with veg and just add a little protein and carbs.</p><p><strong>Related links:&nbsp;</strong></p><p><em><strong><span style="text-decoration: underline;"><a href="/health/wellbeing/2015/01/ways-to-avoid-food-temptations/" target="_blank">4 easy ways to avoid food temptations</a></span></strong></em></p><p><em><strong><span style="text-decoration: underline;"><a href="/health/wellbeing/2015/01/myths-affecting-weight-loss/" target="_blank">The dieting myths affecting your weight loss</a></span>&nbsp;</strong></em></p><p><em><strong><span style="text-decoration: underline;"><a href="/health/wellbeing/2014/10/eat-to-cheat-ageing/" target="_blank">Eat to cheat ageing</a></span></strong></em></p>

Body

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