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ATO urges Aussies to cash in on nearly $18 billion in lost or unclaimed super

The Australian Taxation Office is urging people to check whether they are eligible to cash in on almost $17.8 billion in lost or unclaimed superannuation. Lost super is when your fund has lost touch with you or your account is inactive, and this can occur if you've changed your name, moved homes or changed jobs, without updating your details. The lost super becomes unclaimed when your fund transfers this lost money to the ATO. "Since 2021, the ATO has reunited almost $6.4 billion of unclaimed super with its owners. But there is still more than $17.8 billion waiting to be found," ATO deputy commissioner Emma Rosenzweig said. "If you've changed jobs, moved house or simply forgotten to update your details, you may have lost or unclaimed super. "We're urging Australians to check if some of the $17.8 billion in lost and unclaimed super belongs to them." As of June 30, 2024, super funds and the ATO are holding lost super for over 7.1 million accounts, with retirees among those with lost or unclaimed super. The ATO revealed it was holding $471 million on behalf of those aged over 65. “Superannuation is a key part of your retirement, and we want to make sure Australians are claiming the investment they’ve worked for,” Rosenzweig said. You can check for lost super online through the <a href="https://www.ato.gov.au/individuals-and-families/super-for-individuals-and-families/super/growing-and-keeping-track-of-your-super/keeping-track-of-your-super/super-health-check#ato-Check3Checkforlostandunclaimedsuper" target="_blank" rel="noopener">ATO</a>. For those wanting to search for unclaimed cash, including unclaimed refunds, share dividends, uncashed cheques and more, you can visit <a href="https://asic.gov.au/for-consumers/unclaimed-money/" target="_blank" rel="noopener">federal</a> and state websites to see if you have anything owed to you. Unclaimed money is cash owed to people who can't be located, either due to name or address changes, lost paperwork or just forgot about the cash. Image: Shutterstock

Money & Banking

$2 billion lotto win tears family apart

A man who won one of the biggest lottery jackpots in American history has been accused of cutting his family out of their promised share after winning $2 billion (AUD) in the Mega Millions jackpot. The unidentified man has been in a legal battle with his daughter’s mum since November, after he accused her of violating a nondisclosure agreement by telling the rest of the family about his fortune before their daughter's 18th birthday in 2032, according to the Independent. He bought the winning ticket in Lebanon, Maine on January 13 2023. The mum – identified by a pseudonym, Sara Smith – claimed that he was the one who told his family about his lotto winnings, not her. The man's father supported Smith's claim and said that his son told him about the win and all the things he planned to do with his new-found fortune, which he collected through an LLC in a lump sum of over $750 million. “February or March of 2023, my son came to my house … and informed me and my wife that he won a large amount of money in the Maine State Lottery,” his father wrote in new court documents. “I understand that my son has stated that he told me nothing about his money ‘other than the simple fact that I had won’,” the dad wrote. “That is not true.” He also claimed that he didn't ask his son for any money, but the lotto-winner allegedly made a bunch of promises, including building his dad a garage to fix up old cars, buying his childhood home, setting up a million-dollar trust fund and funding future medical expenses for his dad and stepmum. The lotto-winner also allegedly demanded his father to not talk to Smith. "I told him … ‘You are not the son I knew’,” his dad wrote in the filing. “He got angry, calling me a ‘dictator’ and an ‘a**ehole’. I have not heard from my son since, and he has not done any of [the] things he promised.” The half-billionaire refuted his dad and Smith's claims. “I made the mistake of telling my father that I had won the lottery without having him sign a confidentiality agreement,” he wrote. “Our relationship deteriorated quickly thereafter,” he continued. “I did not tell him what I was doing with my money, how I was going to benefit my daughter, or any facts other than the simple fact that I had won.” He also accused his ex-partner of trying to reveal his identity to the world and that she wrongly accused him of trying to kidnap their daughter after he refused to pay for her and her new boyfriend's vacation. Image: Shutterstock

Legal

8 mistakes that make your hair thin

Despite how many products you put load it up with, hair thins with age and there is scarcely anything that you can do to completely fight nature. What you can do is go into prevention mode as early as possible. There are many simple things that we do to our hair daily that is actually causing it a lot of stress and in many cases causing it to thin. So rather than a trip to the hairdresser every other week or falling for flashy and expensive products on cheap advertisements, follow these 8 simple tips to avoid damaging your hair and losing what you have. 1. Hot showers We all know that hot water can dehydrate our skin, but did you know the same rule applies to your hair? Ryan Welter, MD, a Boston-based hair transplant surgeon explains; “Not only are you washing your hair’s protecting oils down the drain, but the heat throws your scalps pores into overdrive to keep up with oil production, which can damage the root and lead to additional shedding.” 2. Using too many heat tools Ironic, isn’t it? All that that drying and curling we do to make our hair look fabulous is actually doing it the most damage. Not everyone is a wash-and-wear kind of person, though, so if you really can’t part with your heated tools, make sure you prep your strands with a heat protection spray. Also, they may be more expensive but ceramic plated tools are ten times better for your hair. The ceramic plate has a uniform heating system that makes it impossible for it to overheat and cause damage to the hair from burning. Additionally, you’ll get a better aesthetic result. 3. Crash dieting Your diet affects everything, so it’s no surprise it effects your hair. Under eating forces, the body to direct the little energy it has to perform essential functions –like helping your heart pump blood-so generating new hair falls by the wayside. The good news is that you can eat certain foods for positive hair health. Lean protein like fish, chicken, lentil and beans all promote growth. Hair is primarily made of protein so it will make or break your hair. You should aim for about 46 grams per day. 4. Styling when wet Our strands are never more fragile, and prone to breakage, than when they’re saturated with H20 – this is because the protective cuticle is slightly raised. Brushing or combing locks in the shower, then following with aggressive towel-drying and prompt styling is a recipe for swift breakages. To avoid this, let your hair dry as naturally as possible when you get out of the shower and wait patiently before styling. 5. Let’s talk about the colour If your hair is dyed, and especially if it’s bleached, you will be more prone to breakage. However, there are many ways to avoid this. If you can’t be bothered fussing with various different treatments, simply leave your conditioner on for a few minutes rather than washing straight out. This will act like a hair treatment or mask without the hefty price tag. Alternatively, Moroccan oil is naturally high in fatty acids and vitamin E, making it a good treatment for damaged hair. Use sparingly on the ends, it only takes a few minutes to apply. 6. Opting for tight hairstyles If you wear your hair back in a tight hairstyle, like a ponytail or bun, chances are it’s contributing to your thinning hair. Pulling on the hair follicles too tightly puts tension on them, damaging them and creating scars that destroy them permanently. This can lead to alopecia, a condition that permanently weakens the follicle and makes it impossible for hair to grow again. 7. Over-shampooing The purpose of shampooing your hair is to cleanse the hair and scalp of oil and product build up. However, there is actually such thing as over-shampooing. This can wash away your hairs natural moisture that helps your hair look healthy and dries it out. This is especially true if you’re using a shampoo that’s more tropical scented foam than nutrition for your hair. So how much should you wash it? Unfortunately, there’s no specific algorithm. See what works best for you, stick to it, and always be gentle. 8. Using the wrong brush Something as simple as using the wrong hairbrush could be doing you a world of damage. Unfortunately, the thinner your hair, the more damage brushing in general will do. Stick to coming and wide bristle brushes as to not aggravate delicate hair cells. For slick, slightly damp hair, natural-bristle brushes are best and for those who can get away with it, stick to a comb and nothing but the comb. Just be sure to check the teeth for seams or roughness. Finally, always go by the golden rule; if something is going to harm your skin, it’s going to harm your hair. Image credits: Shutterstock

Beauty & Style

Australian churches collectively raise billions of dollars a year – why aren’t they taxed?

<div class="theconversation-article-body"> <a href="https://theconversation.com/profiles/dale-boccabella-15706">Dale Boccabella</a>, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a> and <a href="https://theconversation.com/profiles/ranjana-gupta-1207482">Ranjana Gupta</a>, <a href="https://theconversation.com/institutions/auckland-university-of-technology-1137">Auckland University of Technology</a> There’s a good reason your local volunteer-run netball club doesn’t pay tax. In Australia, various nonprofit organisations are exempt from paying income tax, including those that do charitable work, such as churches. These exemptions or concessions can also extend to other taxes, including fringe benefits tax, state and local government property taxes and payroll taxes. The traditional justification for granting these concessions is that charitable activities benefit society. They contribute to the wellbeing of the community in a variety of non-religious ways. For example, charities offer welfare, health care and education services that the government would generally otherwise provide due to their obvious public benefits. The tax exemption, which allows a charity to retain all the funds it raises, provides the financial support required to relieve the government of this burden. The nonprofit sector is often called the third sector of society, the other two being government and for-profit businesses. But in Australia, this third sector is quite large. Some grassroots organisations have only a tiny footprint, but other nonprofits are very large. And many of these bigger entities – including some “megachurches” – run huge commercial enterprises. These are often indistinguishable from comparable business activities in the for-profit sector. So why doesn’t this revenue get taxed? And should we really give all nonprofits the same tax exemptions? <h2>Why don’t churches pay tax?</h2> The primary aim of a church is to advance or promote its religion. This itself counts as a charitable purpose under the <a href="https://www.legislation.gov.au/C2013A00100/asmade/text">2013 Charities Act</a>. However, section five of that act requires a church to have only charitable purposes – any other purposes must be incidental to or in aid of these. Viewed alone, the conduct of a church with an extensive commercial enterprise – which could include selling merchandise, or holding concerts and conferences – is not a charitable purpose. But Australian case law and <a href="https://www.acnc.gov.au/for-charities/start-charity/role-acnc-deciding-charity-status/legal-meaning-charity#:%7E:text=Taxation%20Ruling%20(TR)%202011%2F,set%20out%20in%20taxation%20rulings.">an ATO ruling</a> both support the idea that carrying on business-like activities can be incidental to or in aid of a charitable purpose. This could be the case, for example, if a large church’s commercial activities were to help give effect to its charitable purposes. Because of this, under Australia’s current income tax law, a church that is running a large commercial enterprise is able to retain its exemption from income tax on the profits from these activities. There are various public policy concerns with this. First, the lost tax revenue is likely to be significant, although the government’s annual tax expenditure statement does not currently provide an estimate of the amount of tax revenue lost. And second, the tax exemption may give rise to unfairness. A for-profit business competing with a church in a relevant industry may be at a competitive disadvantage – despite similar business activities, the for-profit entity pays income tax but the church does not. This competitive disadvantage may be reflected in lower prices for customers of the church business. <h2>What about taxing their employees?</h2> Churches that run extensive enterprises are likely to have many employees. Generally, all the normal Australian tax rules apply to the way these employees are paid – for example, employees pay income tax on these wages. Distributing profits to members would go against the usual rules of the church, and this prohibition is <a href="https://www.legislation.gov.au/C2013A00100/asmade/text">required</a> anyway for an organisation to qualify as a charity. Some churches may be criticised for paying their founders or leaders “excessive” wages, but these are still taxed in the same way as normal salaries. It’s important to consider fringe benefit tax – which employers have to pay on certain benefits they provide to employees. Aside from some qualifications, all the usual <a href="https://www.ato.gov.au/businesses-and-organisations/hiring-and-paying-your-workers/fringe-benefits-tax/how-fringe-benefits-tax-works">fringe benefit tax rules</a> apply to non-wage benefits provided to employees of a church. Just like their commercial (and taxable) counterparts, the payment for “luxury” travel and accommodation for church leaders and employees when on church business will not generate a fringe benefits taxable amount for the church. One qualification, though, is that a church is likely to be a <a href="https://www.ato.gov.au/businesses-and-organisations/hiring-and-paying-your-workers/fringe-benefits-tax/fbt-concessions-for-not-for-profit-organisations/fbt-rebatable-employers">rebatable employer</a> under the fringe benefit tax regime. This means it can obtain some tax relief on benefits provided to each employee, up to a cap. <h2>We may need to rethink blanket tax exemptions for charities</h2> Back in an age where nonprofits were mainly small and focused on addressing the needs of people failed by the market, the income tax exemption for such charities appeared appropriate. But in the modern era, some charities – including some churches – operate huge business enterprises and collect rent on extensive property holdings. Many are now questioning whether we should continue offering them an uncapped exemption from income tax, especially where there are questions surrounding how appropriately these profits are used. Debates about solutions to the problem have focused on various arguments. However, more data may be needed on the way charities apply their profits to a charitable purpose, particularly those involved in substantial commercial activities. An all-or-nothing rule exempting the whole charitable sector may no longer be fit for purpose if it fails to take into account the very different circumstances of different nonprofits.<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/228901/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/dale-boccabella-15706">Dale Boccabella</a>, Associate Professor of Taxation Law, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a> and <a href="https://theconversation.com/profiles/ranjana-gupta-1207482">Ranjana Gupta</a>, Senior Lecturer Taxation, <a href="https://theconversation.com/institutions/auckland-university-of-technology-1137">Auckland University of Technology</a> Image credits: Getty Images This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/australian-churches-collectively-raise-billions-of-dollars-a-year-why-arent-they-taxed-228901">original article</a>. </div>

Money & Banking

"There's no way": Man receives $52 billion tax bill

An American man has been left confused after receiving a letter from the government claiming he owed $52 billion in unpaid taxes. Barry Tangert got two letters in the mail from the state of Pennsylvania, opening the first to find a refund check from the federal government for over $900. His joy was short-lived though as he opened the second letter to find the income billing notice from the Pennsylvania Department of Revenue claiming that he owed a jaw-dropping $52,950,744,735.28 ($34,576,826,561.47 AUD). “I knew it was an obvious blunder. I don’t even make over $100,000 a year, so there’s no way I could owe anywhere near that,” Barry Tangert told local outlet News 8. The total sum was so large it didn’t even fit on a single line on the document. Tangert immediately knew it was a mistake, with the astonishing number being more than triple the $11 billion America’s richest man Elon Musk says he owed the government in 2022. How the error made it all the way to his doorstep is still a mystery to Tangert. “I don’t know if it was a computer glitch in the transmission or if it was an input error from my tax preparer,” Tangert said, noting that his tax preparer filed an amendment after noticing an error on his 2022 return. He reached out to the Pennsylvania Department of Revenue’s customer service line, which also provided little help to the baffled man. “The first thing he said was, ‘You had a good year.’ And I said, ‘I wish,’” Tangert said. Fortunately, the state department has since resolved the issue, which it chalked up to wrong numbers simply being put into the system. Image credits: WGAL News 8

Money & Banking

Property tycoon sentenced to death over $27 billion fraud

A Vietnamese billionaire was sentenced to death on Thursday in one of the biggest corruption cases in history, an estimated $27 billion in damages - a figure equivalent to six percent of the country’s 2023 GDP. Truong My Lan, chair of major developer Van Thinh Phat, was found guilty of embezzlement, after looting from one of the country's biggest banks, Saigon Commercial Bank (SCB) for over a decade. “The defendant’s actions... eroded people’s trust in the leadership of the (Communist) Party and state,” the verdict read at the trial in Ho Chi Minh City. After a five-week trial, 85 others were also charged for their involvement in the fraud, with charges ranging from from bribery and abuse of power to appropriation and violations of banking law. Four were given life imprisonment, while others received jail terms ranging between 20 years and three years suspended. Lan's husband was Hong Kong billionaire Eric Chu Nap Kee, was sentenced to nine years in prison. Lan and the others were arrested as part of a national corruption crackdown. Lan was initially believed to have embezzled $12.5 billion, but on Thursday prosecutors have said that the total damages caused by the fraud now amounted to $27 billion. The property tycoon was convicted of taking out $44bn in loans from the bank, according to the BBC, with prosecutors saying that $27 billion of this may never be recovered. The court ordered Lan to to pay almost the entire damages sum in compensation. It is also <a href="https://www.bbc.com/news/world-asia-68778636" target="_blank" rel="noopener">reported</a> that she is one of very few women in Vietnam to be sentenced to death for a white collar crime. “In my desperation, I thought of death,” Lan said in her final remarks to the court, according to state media. “I am so angry that I was stupid enough to get involved in this very fierce business environment -- the banking sector -- which I have little knowledge of.” Police have identified around 42,000 victims of the scam, and many of them were unhappy with the verdict. One 67-year-old Hanoi resident told the AFP that she had hoped Lan would receive a life sentence so she could fully witness the devastating impact of her actions. “Many people worked hard to deposit money into the bank, but now she’s received the death sentence and that’s it for her,” they said. “She can’t see the suffering of the people.” The resident has so far been unable to retrieve the $120,000 she invested with SCB. Police have said that many of the victims are SCB bondholders, who cannot withdraw their money and have not received interest or principal payments since Lan’s arrest. Authorities have also reportedly seized over 1000 properties belonging to Lan. Image: Twitter

Legal

How 8-year-old Ruby McLellan became Australia's youngest home owner

Move over, monopoly tycoons and pretend princes of pretend kingdoms – meet Ruby McLellan, the pint-sized powerhouse who's rewriting the rules of real estate and giving the term "property ladder" a literal twist. That's right: Ruby is just eight years old and already owns a four-bedroom house. Meanwhile, most of us can barely find matching socks in the morning. Now, before you start picturing a tiny landlord with a playhouse adorned with "No Girls Allowed" signs, let's delve into Ruby's remarkable tale of fiscal responsibility and pocket money prowess. While most kids her age were still trying to figure out if they preferred chocolate or strawberry milk, Ruby was busy checking out property market trends and crunching numbers like a seasoned Wall Street mogul. With the help of her siblings, Angus (14) and Lucy (13), Ruby pooled their collective pocket money - a grand total of $6000 - to secure a deposit for their first property. Their weapon of choice? Not lemonade stands or tooth fairy funds, but good old-fashioned hard work and frugality. The result? A four-bedroom home in Clyde, southeast of Melbourne, bought by the McLellan kids for $671,000. Their dad, Cam McLellan, CEO of a property investment company, guided them through the labyrinth of real estate jargon, teaching them about positive gearing and growth corridors. While other kids were learning their times tables, Ruby was calculating potential rental yields. Talk about a head start in life! And while their friends were blowing their allowances on the latest toys and gadgets, these pint-sized property moguls were saying no to impulse buys and yes to long-term investments. It's like they were born with calculators instead of rattles. Now, you might be wondering, what's next for these mini-magnates? Well, they plan to hold onto their property until Lucy and Angus hit their early 20s, ensuring they've waited through one full "growth property cycle". After that, it's off to the races, with hopes that their humble abode will fetch a cool million bucks. But Ruby's not stopping there. She's already asking about tax implications and property sales, proving that she's got the brains to match her business acumen. Who needs a lemonade stand when you can have a diversified investment portfolio? So, while most kids are busy mastering Fortnite dances or perfecting their TikTok routines, Ruby McLellan is out here making moves in the property market. Who knows? Maybe one day we'll all be renting from her property empire. But just remember, when you're paying rent to an eight-year-old landlord, be sure to pay on time. Late fees might include extra homework assignments or a mandatory bedtime story session. Hey, it's all in the lease agreement... Image: The Today Show

Money & Banking

Why prices are so high – 8 ways retail pricing algorithms gouge consumers

<a href="https://theconversation.com/profiles/david-tuffley-13731">David Tuffley</a>, <a href="https://theconversation.com/institutions/griffith-university-828">Griffith University</a> The just-released report of the inquiry into <a href="https://pricegouginginquiry.actu.org.au/">price gouging and unfair pricing</a> conducted by Allan Fels for the Australian Council of Trades Unions does more than identify the likely offenders. It finds the biggest are supermarkets, banks, airlines and electricity companies. It’s not enough to know their tricks. Fels wants to give the Australian Competition and Consumer Commission more power to investigate and more power to prohibit mergers. But it helps to know how they try to trick us, and how technology has enabled them to get better at it. After reading the report, I’ve identified eight key maneuvers. <h2>1. Asymmetric price movements</h2> Otherwise known as <a href="https://www.jstor.org/stable/25593733">Rocket and Feather</a>, this is where businesses push up prices quickly when costs rise, but cut them slowly or late after costs fall. It seems to happen for <a href="https://www.sciencedirect.com/science/article/abs/pii/S0140988323002074">petrol</a> and <a href="https://www.sciencedirect.com/science/article/abs/pii/S105905601730240X">mortgage rates</a>, and the Fels inquiry was presented with evidence suggesting it happens in supermarkets. Brendan O’Keeffe from NSW Farmers told the inquiry wholesale lamb prices had been falling for six months before six Woolworths announced a cut in the prices of lamb it was selling as a “<a href="https://pricegouginginquiry.actu.org.au/wp-content/uploads/2024/02/InquiryIntoPriceGouging_Report_web.pdf">Christmas gift</a>”. <h2>2. Punishment for loyal customers</h2> A <a href="https://theconversation.com/simple-fixes-could-help-save-australian-consumers-from-up-to-3-6-billion-in-loyalty-taxes-119978">loyalty tax</a> is what happens when a business imposes higher charges on customers who have been with it for a long time, on the assumption that they won’t move. The Australian Securities and Investments Commission has alleged a big <a href="https://theconversation.com/how-qantas-might-have-done-all-australians-a-favour-by-making-refunds-so-hard-to-get-213346">insurer</a> does it, setting premiums not only on the basis of risk, but also on the basis of what a computer model tells them about the likelihood of each customer tolerating a price hike. The insurer disputes the claim. It’s often done by offering discounts or new products to new customers and leaving existing customers on old or discontinued products. It happens a lot in the <a href="https://www.finder.com.au/utilities-loyalty-costing-australians-billions-2024">electricity industry</a>. The plans look good at first, and then less good as providers bank on customers not making the effort to shop around. Loyalty taxes appear to be less common among mobile phone providers. Australian laws make it easy to switch <a href="https://www.reviews.org/au/mobile/how-to-switch-mobile-carriers-and-keep-your-number/">and keep your number</a>. <h2>3. Loyalty schemes that provide little value</h2> Fels says loyalty schemes can be a “low-cost means of retaining and exploiting consumers by providing them with low-value rewards of dubious benefit”. Their purpose is to lock in (or at least bias) customers to choices already made. Examples include airline frequent flyer points, cafe cards that give you your tenth coffee free, and supermarket points programs. The purpose is to lock in (or at least bias) consumers to products already chosen. The <a href="https://www.accc.gov.au/consumers/advertising-and-promotions/customer-loyalty-schemes">Australian Competition and Consumer Commission</a> has found many require users to spend a lot of money or time to earn enough points for a reward. Others allow points to expire or rules to change without notice or offer rewards that are not worth the effort to redeem. They also enable businesses to collect data on spending habits, preferences, locations, and personal information that can be used to construct customer profiles that allow them to target advertising and offers and high prices to some customers and not others. <h2>4. Drip pricing that hides true costs</h2> The Competition and Consumer Commission describes <a href="https://pricegouginginquiry.actu.org.au/wp-content/uploads/2024/02/InquiryIntoPriceGouging_Report_web.pdf">drip pricing</a> as “when a price is advertised at the beginning of an online purchase, but then extra fees and charges (such as booking and service fees) are gradually added during the purchase process”. The extras can add up quickly and make final bills much higher than expected. Airlines are among the best-known users of the strategy. They often offer initially attractive base fares, but then add charges for baggage, seat selection, in-flight meals and other extras. <h2>5. Confusion pricing</h2> Related to drip pricing is <a href="https://www.x-mol.net/paper/article/1402386414932836352">confusion pricing</a> where a provider offers a range of plans, discounts and fees so complex they are overwhelming. Financial products like insurance have convoluted fee structures, as do electricity providers. Supermarkets do it by bombarding shoppers with “specials” and “sales”. When prices change frequently and without notice, it adds to the confusion. <h2>6. Algorithmic pricing</h2> <a href="https://pricegouginginquiry.actu.org.au/wp-content/uploads/2024/02/InquiryIntoPriceGouging_Report_web.pdf">Algorithmic pricing</a> is the practice of using algorithms to set prices automatically taking into account competitor responses, which is something akin to computers talking to each other. When computers get together in this way they can <a href="https://www.x-mol.net/paper/article/1402386414932836352">act as it they are colluding</a> even if the humans involved in running the businesses never talk to each other. It can act even more this way when multiple competitors use the same third-party pricing algorithm, effectively allowing a single company to influence prices. <h2>7. Price discrimination</h2> Price discrimination involves charging different customers different prices for the same product, setting each price in accordance with how much each customer is prepared to pay. Banks do it when they offer better rates to customers likely to leave them, electricity companies do it when they offer better prices for business customers than households, and medical specialists do it when they offer vastly different prices for the same service to consumers with different incomes. It is made easier by digital technology and data collection. While it can make prices lower for some customers, it can make prices much more expensive to customers in a hurry or in urgent need of something. <h2>8. Excuse-flation</h2> <a href="https://www.bloomberg.com/news/articles/2023-03-09/how-excuseflation-is-keeping-prices-and-corporate-profits-high">Excuse-flation</a> is where general inflation provides “cover” for businesses to raise prices without justification, blaming nothing other than general inflation. It means that in times of general high inflation businesses can increase their prices even if their costs haven’t increased by as much. On Thursday Reserve Bank Governor <a href="https://www.afr.com/policy/economy/inflation-is-cover-for-pricing-gouging-rba-boss-says-20240215-p5f58d">Michele Bullock</a> seemed to confirm that she though some firms were doing this saying that when inflation had been brought back to the Bank’s target, it would be "much more difficult, I think, for firms to use high inflation as cover for this sort of putting up their prices." <h2>A political solution is needed</h2> Ultimately, our own vigilance won’t be enough. We will need political help. The government’s recently announced <a href="https://treasury.gov.au/review/competition-review-2023">competition review</a> might be a step in this direction. The legislative changes should police business practices and prioritise fairness. Only then can we create a marketplace where ethics and competition align, ensuring both business prosperity and consumer wellbeing. This isn’t just about economics, it’s about building a fairer, more sustainable Australia.<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/223310/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/david-tuffley-13731">David Tuffley</a>, Senior Lecturer in Applied Ethics & CyberSecurity, <a href="https://theconversation.com/institutions/griffith-university-828">Griffith University</a> Image credits: Getty Images This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/why-prices-are-so-high-8-ways-retail-pricing-algorithms-gouge-consumers-223310">original article</a>.

Money & Banking

8 places you should never keep your phone

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

Technology

8 reasons everyone should know their blood type

Why you should know your blood type What’s in a blood type? Potentially a lot, according to research, including a review of studies published in the Wiley Interdisciplinary Reviews: Systems Biology and Medicine, that connects different blood groups to everything from risk of heart disease and dementia to urinary tract infections and the norovirus. While none of the studies are conclusive about cause and effect (they can’t say X blood type causes Y disease) and any increased risks are still pretty small, the research does highlight the importance of knowing your type – A, B, AB, or O – and how it could affect your wellbeing. Blood clots: Type AB, A, and B increases risk Danish researchers studied how blood type interacts with a genetic predisposition for deep-vein thrombosis (DVT), or blood clots in the lower legs that can travel to the lungs and become life-threatening. After analysing data on about 66,000 people over more than 30 years, they found that those with type AB, A, or B had a 40 per cent higher risk of DVT than people with type O, the most common type. When the scientists did further analysis to see which factors have the biggest impact on DVT risk on a population level, they found that an AB blood type contributed to about 20 per cent of blood clots; genetic mutations accounted for 11 per cent, being overweight accounted for 16 per cent, and smoking accounted for six per cent. Heart disease: Type AB, B, and A all increase risk People whose blood type is A, B, or AB have an increased risk of heart disease and shorter life spans than people who have type O blood, according to a large study published in BMC Medicine. After following more than 50,000 middle-age and elderly people for seven years, on average, researchers found that as many as nine per cent of cardiovascular deaths were attributed to having non-O blood types. However, as any doctor will tell you, lifestyle factors like weight, smoking and diet, which, unlike blood type, are modifiable, have a much greater impact on heart disease. Stomach cancer: Types A and AB increases risk Researchers have known for a while that people with blood type A are at risk for stomach cancer. But research published in BMC Cancer shows that people with blood type AB are also at risk. Using genetic data from a large number of cases and controls, researchers found a link between both blood types and gastric cancer in Chinese populations. A review of 39 previous studies confirmed their findings. Fertility: Type O reduces it Women with this blood type were twice as likely to have blood levels of the hormone FSH high enough to indicate low ovarian reserve, a measure of fertility, according to a study published in Human Reproduction. Researchers couldn’t say for sure why, though. Given that type O blood is the most prevalent, it doesn’t pay to worry too much about it. Age is a far more important risk factor for fertility problems. Pregnancy risks This has nothing to do with your “letter” blood type or the type determined by the ABO grouping system. This has to do with what’s known as the Rhesus (Rh) factor, which determines whether your blood type is positive or negative. This could cause complications in pregnant women if the baby’s Rh blood type is different from the mother’s. For instance, if the mother has a negative blood type and the baby has a positive one, the mother’s body can actually build up antibodies against the baby’s blood type. Luckily, this doesn’t affect the baby, but it could have a negative effect on future pregnancies. Fortunately, doctors can give pregnant women a shot early in their pregnancy that can prevent Rh-incompatibility problems. Dementia and memory loss: Type AB increases risk People with type AB blood have an 82 per cent greater risk for cognitive decline later in life, according to a study published in Neurology. That’s likely because they have larger amounts of what’s known as the Factor VIII protein, which helps with blood clotting. Study participants with higher levels of this protein were 24 per cent more likely to develop memory problems – regardless of their blood type – than people with lower levels. Blood type, however, is far from the only, or even most important, factor that affects your risk for cognitive decline. Stroke: Type O has the lowest risk People with a blood type other than O (the most common) have a higher risk of cardiovascular issues such as stroke, according to a study published in the Journal of Thrombosis and Haemostasis. Biologists are still investigating why this might be; one possible explanation is that non-O blood types contain more of the Von Willebrand factor, a protein that has been connected to blood clotting and stroke in the past. Mosquitos like Type O blood If you find yourself scratching bug bites all summer long, your blood type might be to blame. In a one small study, researchers found that type Os are up to twice as attractive to mosquitoes as type As, with type Bs falling somewhere in the middle. Image credits: Shutterstock This article originally appeared on <a href="https://www.readersdigest.com.au/healthsmart/8-reasons-everyone-should-know-their-blood-type" target="_blank" rel="noopener">Reader's Digest</a>.

Body

8 signs you should be booking a group tour

Not sure if you should take a tour or go it alone? These are the times you’re going to want that expert on hand. 1. When you’re on a really tight schedule A tour will help you squeeze in as much as possible in a very short time. It will plan out a sensible itinerary with no backtracking or wasted journeys and will give you a realistic idea of how much you can fit in for a day. Plus you won’t have to puzzle out public transport for yourself. 2. When you’re feeling nervous Arriving in a new place can be scary sometimes, so having someone to walk you through it will make all the difference. If a city has a reputation for being unsafe or if it’s just your first time in a foreign country, a tour will give you a great worry-free introduction. 3. When there’s a big language barrier We’re lucky in that much of the world speaks English, so we can usually muddle our way around. But in some countries you’ll find there’s a significant language barrier, so having a native speaker is going to make all the difference. 4. When you want to meet some locals This might sound counterintuitive, but an organised tour can be one of the best ways to meet some locals. First of all, your guide is likely to be local and can introduce you to their hometown. Secondly, it’s daunting to walk into a crowded bar or cool café when you don’t know anyone. A guide can smooth the way and ensure you don’t get stuck in tourist traps. 5. When it’s really busy If you don’t fancy joining the huge line outside a popular museum or waiting hours for tickets, a tour could be the way to go. They can often organise private or after hours visits, get special passes to cut the line or take you to areas that are off limits to the general public. 6. When it’s the law Want to visit North Korea? You’re going to need to join a tour. Some governments have restrictions in place that mean foreign tourists can only visit when accompanied by a registered tour guide and independent travel is simply not an option. 7. When you’re doing something really adventurous Trekking, white water rafting, canyoning or safaris – for safety reasons you’re going to need to join a tour. These kinds of activities can be dangerous, so you don’t want to be risking them on your own. A tour or private guide will show you the best way to get your heart pumping. 8. When you’re going right off the grid Places like Antarctica, the Arctic, remote corners of Africa or tricky countries like Russia are best done on a tour. Often the logistics of simply getting there are impossible for the independent traveller or you will need help navigating the complex visa process. In these instances, it’s a relief to put yourself in someone else’s hands and just concentrate on having fun. Image credits: Getty Images

Travel Tips

8 tips for keeping pets healthy that won’t break the bank

Australia is a nation of animal lovers. Collectively, we have more pets than people (<a href="https://kb.rspca.org.au/knowledge-base/how-many-pets-are-there-in-australia/#ftn1">28.7 million pets</a> vs <a href="https://www.abs.gov.au/statistics/people/population/population-clock-pyramid">26.7 million people</a>) and <a href="https://kb.rspca.org.au/knowledge-base/how-many-pets-are-there-in-australia/#:~:text=Overall%252C%2520Australian%2520households%2520are%2520estimated,spent%2520per%2520animal%2520each%2520year.">spent $33 billion on them</a> in 2022. Not only is a healthy pet a happy one, but healthy = wealthy with fewer vet bills and medications, plus less time off work to look after them. But how can you keep spending under control without sacrificing your pet’s health? Read on! 1. Choose the right pet Save yourself considerable drama – and money – by getting the right pet for your family from the outset. For instance: <ul> <li>Small dogs eat less, making them more suitable for tighter budgets.</li> <li>Energetic breeds won’t thrive if you can’t exercise them sufficiently. </li> <li>Low-allergy breeds (like Poodles and Burmese cats) can save allergy suffers on antihistamines and tissues.</li> </ul> 2. Secure your yard Prevention is always better than cure, so a secure yard/enclosure is a worthwhile investment. The cost of a new fence (especially if split with neighbours) often dwarfs the vet bills if your beloved is hit by a car. A secure pet is less likely to fight with other animals or eat things they shouldn’t. Plus, many areas impose fines for unrestrained pets. 3. Be organised An old phrase says: “For every minute spent organising, an hour is earned.” I’d suggest that hour earned also brings dollars saved. For pets, organisation includes: <ul> <li>Staying up-to-date with treatments and veterinary visits. Overdue parasite treatments, vaccinations, and check-ups often cause unnecessary and expensive complications.</li> <li>A tidy home, which saves replacing destroyed shoes etc and fees on overdue bills where the notice was chewed.</li> <li>Keeping household dangers – e.g., toxic plants, chemicals, foods (chocolate!) – out of your pets’ reach to avoid accidental poisoning.</li> </ul> 4. Weigh up insurance Many people say they’ll put money aside instead of buying pet insurance. But they don’t – the money winds up elsewhere. When considering insurance, weigh up each policy’s conditions, your pet’s health, and your ability to pay unexpected bills. Without insurance, small amounts may not be problematic. But unexpected surgeries or specialist tests and treatments could see you thousands of dollars out of pocket. The more claims you’re likely to make, the more valuable insurance may be. If you do get insurance, choose a reputable provider with positive reviews for paying claims promptly. 5. Master DIY Put your hands to work and make your pet’s essentials at a fraction of buying new. Consider making your own: <ul> <li>Toys – such as uncooked rice or pasta in a PET bottle. (Beware things like sticks, which can cause injuries and splinters.)</li> <li>Meals – cook in bulk and freeze portions for added savings and convenience. Homemade meals may be healthier too, since you know exactly what they’re eating.</li> <li>Bedding and towels – from your old clothing, linen etc.</li> </ul> Always use safe materials and ingredients that won’t be a choking hazard. Monitor items for wear and tear. 6. Involve your kids Getting kids/grandkids involved with animal care is good for everyone – including your wallet. Kids love animals. Pets love children’s playtime energy. And you’ll save paying someone else to do it when you’re short for time. Ask them to walk the dog, clean the litter tray, collect the eggs, top up food and water. You can make it form part of their pocket money – teaching them the value of earning – all while helping them develop important life skills like empathy and responsibility. 7. Consider legalities Custody and inheritance matters affect furbabies too, so it’s important to have a plan: <ul> <li>Wills – who will have guardianship if you die suddenly? Is that person willing and able? Have you left money to pay for their ongoing care?</li> <li>Separation/divorce – pets sadly are sometimes used as weapons in a separation. It could be emotional blackmail over custody, or one partner is given custody but cannot afford to keep them on a single income. The stress adversely affects everyone – including your pet. </li> </ul> 8. Spend time with them Companionship is important for your pet’s health – and yours. And it’s free! Research suggests <a href="https://www.health.harvard.edu/staying-healthy/having-a-dog-can-help-your-heart--literally">dog ownership improves heart health for humans</a> and <a href="https://www.psychologicalhealthcare.com.au/blog/mental-health-benefits-pets/">patting pets lowers blood pressure and stress hormones</a>. Plus, you’ll both benefit from being more active and making new friends (such as at the dog park). So, what are you waiting for? Hitch up the lead or pick up a toy and give your furbaby some love! Helen Baker is a licensed Australian financial adviser and author of the new book, On Your Own Two Feet: The Essential Guide to Financial Independence for all Women (Ventura Press, $32.99). Helen is among the 1% of financial planners who hold a master’s degree in the field. Proceeds from book sales are donated to charities supporting disadvantaged women and children. Find out more at <a href="http://www.onyourowntwofeet.com.au">www.onyourowntwofeet.com.au</a> Image credits: Shutterstock

Family & Pets

These 8 food and drink favourites are bad for your brain

Bad foods for your brain Following a healthy diet is essential to maintaining optimal brain health. Avocados and fatty fish; bone broth, berries and broccoli – they’re all brain-boosting superstars. But there are plenty of foods that have the opposite effect and can sap your smarts, affecting your memory and mood. Therefore, it’s important to cut or reduce the following food from your diet to mitigate their effects. Fried foods Fried chicken and French fries won’t just widen your waistline, they are also bad for your brain. In a study published in 2016 in the Journal of Nutritional Science, people who ate diets high in fried foods scored poorly on cognitive tests that evaluated learning, memory and brain function. Conversely, those who ate more plant-based foods scored higher. “Scientists think it may have something to do with inflammation and reduction in brain tissue size,” says Kristin Kirkpatrick, co-author of Skinny Liver. “When you look at aspects of one of the great brain studies – the MIND diet – it clearly shows which foods may cause or reduce inflammation in the brain. Fried foods are on the NO list, while berries, olive oil, whole grains and food containing omega 3 are on the YES list.” Sugar-sweetened beverages You probably know to stay away from soft drinks. But you should also beware of fruit juice, energy drinks and sweet tea. Why, you ask? The same reason soft drink is among the bad foods for your brain: sugar. “High amounts of sugar causes neurological damage” because it triggers inflammation, says the Academy of Nutrition and Dietetics’ Wesley Delbridge. A study published in 2017 in Alzheimer’s & Dementia backs that up. Researchers found that people who regularly consume sugary drinks are more likely to have poorer memory, smaller overall brain volume, and a significantly smaller hippocampus – the part of the brain important for learning and memory – than those who don’t. Instead of drinking fruit juice or sweet tea high in sugar, try sweetening water or tea with slices of oranges, lemons, or limes. Refined carbs White rice, white bread, white pasta and other processed food with a high glycemic index don’t just cause major spikes in blood sugar, they also rank with the ‘bad foods for your brain’. Specifically, these foods can have a negative effect on your mental health. A study, published in 2015 in The American Journal of Clinical Nutrition found that food with a high glycemic index can raise the risk of depression in post-menopausal women. Women who ate more lactose, fibre, fruit and vegetables, on the other hand, showed a significant decrease in symptoms of depression. Swap the white carbs for complex carbs like whole wheat bread, brown rice, quinoa, barley, and farro. All of these contain fibre, which nurtures your gut bacteria and regulates inflammation – all good things for your brain health. Excess alcohol There is a sweet spot for alcohol consumption, according to neurologist Dr David Perlmutter and author of Grain Brain: The Surprising Truth about Wheat, Carbs, and Sugar. While the occasional glass of red wine is okay, drinking in excess can be toxic to your brain function, no matter your age. Research, including a study published in 2017 in the peer-reviewed medical trade journal BMJ, found that moderate drinking can damage the brain. The hippocampus is particularly vulnerable. To protect your brain, limit alcohol consumption to no more than one standard drink per day for women and two per day for men. According to Australia’s national alcohol guidelines, one standard drink is defined as containing 10 grams of alcohol. Artificially sweetened beverages Instead of a sugar-sweetened beverage, maybe you turn to the occasional diet soft drink. But make a habit of it and you could be upping your risk of dementia and stroke, suggests a study published in 2017 in Stroke. Researchers found that participants who drank diet drinks daily were almost three times as likely to have a stroke or develop dementia when compared to those who didn’t. “We seek out diet soft drinks for its sweet delivery of liquid,” says Kirkpatrick. “That sweet taste remains on our taste buds, making us crave more.” To kick the habit, she suggests going cold turkey. “Eliminate all sources of sweet from the taste buds to retrain the brain not to want it in the first place,” she says. “Sprucing up water with lemons, limes or berries, or having flavoured seltzer without added sugar can help, as well.” Processed meats If you like to eat processed meats, you may run a greater risk of developing dementia, suggests an April 2020 study published in Neurology. Although the study does not prove cause and effect, the researchers found that dementia was more common among participants who ate highly processed meats, such as sausages, cured meats and pâté. People without dementia were more likely to eat a diverse diet that included fruit, vegetables, seafood and poultry, according to the findings. Highly processed foods are most likely the primary cause of results linked to the reduction in brain tissue size and inflammation, which impacts brain health, says Kirkpatrick. Fast food For starters, the high levels of saturated fat found in greasy burgers and fries can make it harder to fight off Alzheimer-causing plaque. Plus, the level of sodium found in the average fast-food fix can cause brain fog. How so? High blood pressure, often brought on by eating too many salty foods, can restrict blood to the brain and negatively impair focus, organisational skills and memory, suggests a review of studies published in 2016 in Hypertension. To break a fast food habit, Kirkpatrick suggests this trick: “Start with altering what you order,” she says. “Avoid fried options and opt for more whole grains and plants.” Then reduce the number of days you buy fast food by half. Tuna While the occasional tuna sandwich is no big deal, you might want to think twice before making it your go-to lunch. That’s because tuna – as well as swordfish, shark (flake), bill fish and deep sea perch – has higher levels of mercury than many other types of seafood. A study published in Integrative Medicine shows that people with high levels of the heavy metal in their bloodstream had a 5% drop in cognitive function. But you don’t have to banish seafood from your plate forever. Advice from Food Standards Australia New Zealand (which reflects the fish we eat in our region and its mercury content) recommends 2-3 serves per week of fish and seafood, including canned or fresh tuna (one serve equals 150g), except for fish such as orange roughy (deep sea perch), catfish, shark (flake) or billfish (swordfish/marlin), which you should only consume 1 serve per week and no other fish that week. Try swapping these varieties of fish for omega-3-rich sources such as wild salmon and lake trout, which have been associated with better brain health, says Kirkpatrick. Image credits: Getty Images This article originally appeared on <a href="https://www.readersdigest.com.au/food-home-garden/the-8-worst-foods-for-your-brain" target="_blank" rel="noopener">Reader's Digest</a>.

Food & Wine

These 8 health changes could mean you need to eat more vegetables

8 clear signs you're not eating enough vegetables You know veggies are good for you. You may also think you’re eating enough. The truth is, you probably aren’t. Read on to discover the many ways in which your body is telling you that it needs more fruit and vegetables, and what nutrients it craves. How many veggies do you eat, anyway? You may think you eat enough vegetables, but more than likely, you don’t. On average, we only get two servings of vegetables per day. The Australia Dietary Guidelines recommend adults eat five servings of vegetables (one serve equals 75 g of vegetables, approximately half a cup of cooked or one cup of salad veg) and two servings of fruit (one serve equals 150 g, about one apple or two apricots) per day. Skipping key nutrients can seriously affect your overall health. There's a lack of colour on your plate We’ve come a long way since the old meat and two veg. But there are still plenty of people that stick to the simple formula. However, “it isn’t very colourful or loaded with balanced nutrition,” says dietitian Abby Sauer. “And even though they may be favourites, pasta, rice and bread don’t add much colour or much nutrition to your meals in terms of essential vitamins and minerals.” You bruise easily Consuming too little vitamin C can cause you to bruise easily, as well as increase bleeding around gums and slow the healing process. Vitamin C can be consumed by eating red capsicums, kale, red chilli peppers, dark leafy vegetables, broccoli, brussels sprouts and tomatoes. You're tired all the time Deficiency in folate can cause fatigue and anaemia. This B vitamin can be found in dark leafy greens, legumes and starchy vegetables such as black-eyed peas, kidney beans, lima beans, navy beans, asparagus and lentils. That nagging cold won't go away “If you lack vegetables in your diet and the important vitamins they provide, your body may lack the defences it needs to release free radical fighters against viruses,” says Sauer. “Stock your fridge with dark leafy green vegetables, an excellent source of vitamin C, to give your immune system a boost and help shorten your recovery time.” Your memory is foggy While occasional forgetfulness can affect all ages, if you find your brain’s processing speed and efficiency fading as you get older, a lack of nutrients could be the culprit. “Lutein, a nutrient which has been shown in early research to enhance learning and memory, can be found in a variety of vegetables, such as leafy greens, carrots, broccoli, corn and tomatoes,” says Sauer. “Adding a few or all of these vegetables to your weekly meals can provide a helpful and natural brain boost.” Daily stressors are getting harder to handle While stress is an inevitable part of life, how we eat and treat ourselves directly affects our body’s response. “Inflammation is your body’s natural response to stress, so if you’re not handling stress well, inflammation and its damaging effects could be taking place,” says Sauer. “Foods rich in anti-inflammatory compounds, such as unsaturated fatty acids [like salmon and tuna], antioxidants, polyphenols and carotenoids [like green leafy vegetables and bright-coloured capsicums] can help lower the levels of inflammation in the body and increase your mental capabilities to handle life’s curveballs.” You're prone to muscle cramps Fruit and vegetables contain potassium that may prevent muscle cramps, especially if you exercise regularly or spend a lot of time outside in the hot summer months, says dietitian Dr Emily Rubin. “One medium banana has 422 mg of potassium.” Your scales won't budge “Fruit and vegetables have fibre, which makes you feel full so you eat less,” says Rubin. “Most fruit and vegetables are low in kilojoules. Fruit may also help with those sweet cravings. Choosing a bowl of strawberries instead of ice cream can save you 800 kilojoules.” Eat more veggies: Keep them on hand According to medical weight-loss specialist Dr Adrienne Youdim, prep is everything. “Spend a Sunday grilling your favourite veggies. Make them in abundance so that they can be incorporated into your salad or lunchbox,” she says. Eat more veggies: Get one serving per meal “Adding colour and variety to your daily meals with at least one serving of fruit or vegetables per meal can be as easy as thawing out a bag of frozen green beans, slicing up an apple or adding a bowl of colourful berries,” says Sauer. Eat more veggies: Buy frozen “Many people avoid fresh vegetables because they go off before they get a chance to eat them,” says clinical oncology dietitian Crystal Langlois. “Buying frozen vegetables is a great alternative that is convenient and easy. If all the prep work and chopping scares you, many supermarkets carry pre-chopped items in both the frozen and fresh produce areas.” And if you still have that inner-kid kicking and screaming to avoid eating your veggies, blend your veggies into shakes or smoothies. “The taste of vegetables is easily masked in shakes or smoothies by using fruit and fruits juice,” says Langlois. “Small diced mushrooms can be incorporated into hamburgers or Bolognese, as well.” Image credits: Getty Images This article originally appeared on <a href="https://www.readersdigest.com.au/healthsmart/diet/8-clear-signs-youre-not-eating-enough-vegetables?pages=1" target="_blank" rel="noopener">Reader's Digest</a>.

Body

8 landmarks around the world that are seriously strange

Le Pouce, Paris, France Yes, it’s a 12-metre thumb, in the middle of the busy business sector of Paris, France. Known as Le Pouce, by artist César Baldaccini, this giant sculpture is most definitely one of the weirdest landmarks around the world. Known for making oversized sculptures of commonplace objects, Baldaccini’s mammoth digit is actually an exact replica of his own thumb. Built in 1965, this strange addition to the landscape of Paris has left locals and visitors scratching their heads ever since. Molinere Underwater Sculpture Park, Grenada You may not have known the world needed one, but the very first underwater sculpture park was created by sculptor Jason deCaires Taylor in 2006. The British sculptor used casts of real people to create a cement world of people buried in the water off the coast of Grenada in the Caribbean. The most famous of the series features a collection of people holding hands in a circle. The strange sculpture park can be viewed by scuba divers or passengers on a glass-bottom boat tour. Upside Down Charles La Trobe Statue, Melbourne, Australia In most respects, this is an ordinary statue of Charles La Trobe, the first Lieutenant-Governor of Australia – except for the fact that it’s upside down, of course. Why is it upside down? The Australian sculptor Charles Robb says the controversial nature of this statue, located at La Trobe University in Melbourne, is what makes it a memorable monument. However, many onlookers and locals disagree, deeming it disrespectful to La Trobe’s memory. Hand of the Desert, Atacam Desert, Chile In the Atacam Desert in Chile, you’ll find a hand that seems to be emerging from the sand. The closer you get to it, the bigger it seems, giving the impression that a giant human is breaking out of the sand as you approach. Created by Chilean sculptor Mario Irarrazabal, the hand is quite literally in the middle of nowhere. However, if you have the chance to roam the Chilean desert, you’ll certainly appreciate its cool effect. Manneken Pis, Brussels, Belgium Why? No one is quite certain, but there are several theories, most of which are quite hilarious. One legend says the statue, located in Brussels, Belgium, and created in the 1600s, was made to commemorate a young boy who saved the town from a fire by putting it out with his urine. Another legend says it was made in memory of a young king who was known for urinating on enemies. Whatever the reason behind the construction of this little naked boy, peeing into a fountain, it is most definitely one of the weirdest landmarks around the world. Salar de Uyuni, Bolivia What used to be a prehistoric lake near the Andes is now the largest salt flat in the world. It is over 10,000 square kilometres and contains half the world’s supply of lithium, and 10 billion tons of salt! Though this Bolivian landmark isn’t man-made, it still fits into our category of weird. Its unusual appearance makes it an interesting sight to see, despite the fact that it’s really just a huge ton of salt. Hanging Statue, Prague, Czech Republic This may look like a man about to plummet to his death, but it’s actually a bronze statue of a man hanging from a building in Prague, Czech Republic. Not just any man, either: created by controversial artist David Cerný, this is supposed to be none other than Sigmund Freud, father of psychoanalysis. Kindlifresser Fountain, Bern, Switzerland In the city of Bern, Switzerland, there are beautiful landscapes at almost every turn. The only unusual thing about this picturesque place is Kindlifresser Fountain, which translates into ‘Child-Eater.’ The disturbing statue depicts a giant or ogre quite literally eating a baby, with a few more infants held captive in his sling. Stranger still is the fact that the origins of this 16th-century monument are not really known. Some say it’s a reference to Kronos the Titan of Greek mythology, who ate his own children to keep them from stealing his throne. One thing’s for certain: it’s been scaring the daylights out of children (and parents) for nearly 500 years. Image credits: Getty Images This article originally appeared on <a href="https://www.readersdigest.com.au/uncategorized/the-worlds-strangest-landmarks" target="_blank" rel="noopener">Reader's Digest</a>.

International Travel

Medical Research Future Fund has $20 billion to spend. Here’s how we prioritise who gets what

<a href="https://theconversation.com/profiles/adrian-barnett-853">Adrian Barnett</a>, <a href="https://theconversation.com/institutions/queensland-university-of-technology-847">Queensland University of Technology</a> and <a href="https://theconversation.com/profiles/philip-clarke-1149967">Philip Clarke</a>, <a href="https://theconversation.com/institutions/university-of-oxford-1260">University of Oxford</a> The <a href="https://www.health.gov.au/our-work/medical-research-future-fund">Medical Research Future Fund</a> (MRFF) is a A$20 billion fund to support Australian health and medical research. It was set up in 2015 to deliver practical benefits from medical research and innovation to as many Australians as possible. Unlike the other research funding agencies, such the National Health and Medical Research Council (NHMRC), most of the MRFF funding is priority-driven. It seeks to fund research in particular areas or topics rather than using open calls when researchers propose their own ideas for funding. As the <a href="https://www.smh.com.au/politics/federal/not-how-you-run-a-1b-scheme-science-fund-backers-lead-chorus-for-reform-20230619-p5dhni.html">Nine newspapers</a> outlined this week, researchers have criticised the previous Coalition government’s allocation of MRFF funds. There is widespread consensus the former health minister had <a href="https://www.theage.com.au/politics/federal/a-centre-never-built-and-a-hospital-that-missed-out-the-coalition-s-unusual-20b-research-fund-20230619-p5dhng.html">too much influence</a> in the allocation of funds, and there was limited and sometimes no competition when funding was directly allocated to one research group. The current Health Minister, Mark Butler, has instituted a <a href="https://www.innovationaus.com/billion-dollar-medical-research-grants-process-under-review/">review</a>. So how should the big decisions about how to spend the MRFF be made in the future to maximise its value and achieve its aims? <h2>Assess gaps in evidence</h2> Research priorities for the MRFF are set by the <a href="https://www.health.gov.au/committees-and-groups/australian-medical-research-advisory-board-amrab?language=und">Australian Medical Research Advisory Board</a>, which widely consults with the research sector. However, most researchers and institutions will simply argue more funding is needed for their own research. If the board seeks to satisfy such lobbying, it will produce fragmented funding that aligns poorly with the health needs of Australians. A better approach would be to systematically assemble evidence about what is known and the key evidence gaps. Here, the board would benefit from what is known as a “<a href="https://pubmed.ncbi.nlm.nih.gov/15484602/">value of information</a>” framework for decision-making. This framework systematically attempts to quantify the most valuable information that will reduce the uncertainty for health and medical decision-making. In other words, it would pinpoint which information we need to allow us to better make health and medical decisions. There have been <a href="https://pubmed.ncbi.nlm.nih.gov/30288400/">attempts</a> to use this method in Australia to help inform how we prioritise hospital-based research. However, we now need to apply such an approach more broadly. <h2>Seek public input</h2> A structured framework for engaging with the public is also missing in Australia. The public’s perspective on research prioritisation has often been overlooked, but as the ultimate consumers of research, they need to be heard. Research is a highly complex and specialised endeavour, so we can’t expect the public to create sensible priorities alone. One approach used overseas has been developed by the <a href="https://www.jla.nihr.ac.uk/">James Lind Alliance</a>, a group in the United Kingdom that combines the public’s views with researchers to create agreed-on priorities for research. This is done using an intensive process of question setting and discussion. Priorities are checked for feasibility and novelty, so there is no funding for research that’s impossible or already done. The priorities from the James Lind Alliance process can be surprising. The top priority in the area of <a href="https://www.jla.nihr.ac.uk/priority-setting-partnerships/irritable-bowel-syndrome/top-10-priorities.htm">irritable bowel syndrome</a>, for example, is to discover if it’s one condition or many, while the second priority is to work on bowel urgency (a sudden urgent need to go to the toilet). While such everyday questions can struggle to get funding in traditional systems that often focus on novelty, funding research in these two priority areas could lead to the most benefits for people with irritable bowel syndrome. <h2>Consider our comparative advantages</h2> Australia is a relatively small player globally. To date, the MRFF has allocated around <a href="https://www.health.gov.au/resources/publications/medical-research-future-fund-mrff-grant-recipients?language=und">$2.6 billion</a>, just over 5% of what the United States allocates through the National Institute of Health funding in a <a href="https://www.who.int/observatories/global-observatory-on-health-research-and-development/monitoring/investments-on-grants-for-biomedical-research-by-funder-type-of-grant-health-category-and-recipient">single year</a>. A single research grant, even if it involves a few million dollars of funding, is unlikely to lead to a medical breakthrough. Instead, the MRFF should prioritise areas where Australia has a comparative advantage. This could involve building on past success (such as the research that led to the HPV, or human papillomavirus, vaccine to prevent cervical cancer), or where Australian researchers can play a critical role globally. However, there is an area where Australian researchers have an absolute advantage: using research to improve our own health system. A prime example would be finding ways to improve dental care access in Australia. For example, a randomised trial of different ways of providing insurance and dental services, similar to the <a href="https://www.rand.org/health-care/projects/hie.html">RAND Health Insurance Experiment</a> conducted in the United States in the 1970s. This could provide the evidence needed to design a sustainable dental scheme to complement Medicare. Now that is something the MRFF should consider as a funding priority.<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/209977/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/adrian-barnett-853">Adrian Barnett</a>, Professor of Statistics, <a href="https://theconversation.com/institutions/queensland-university-of-technology-847">Queensland University of Technology</a> and <a href="https://theconversation.com/profiles/philip-clarke-1149967">Philip Clarke</a>, Professor of Health Economics, <a href="https://theconversation.com/institutions/university-of-oxford-1260">University of Oxford</a> Image credits: Getty Images This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/medical-research-future-fund-has-20-billion-to-spend-heres-how-we-prioritise-who-gets-what-209977">original article</a>.

Money & Banking

Marine species are being pushed towards the poles. From dugong to octopuses, here are 8 marine species you might spot in new places

<a href="https://theconversation.com/profiles/gretta-pecl-128477">Gretta Pecl</a>, <a href="https://theconversation.com/institutions/university-of-tasmania-888">University of Tasmania</a>; <a href="https://theconversation.com/profiles/curtis-champion-1373045">Curtis Champion</a>, <a href="https://theconversation.com/institutions/southern-cross-university-1160">Southern Cross University</a>, and <a href="https://theconversation.com/profiles/zoe-doubleday-393169">Zoe Doubleday</a>, <a href="https://theconversation.com/institutions/university-of-south-australia-1180">University of South Australia</a> If you take a plunge in the sea this winter, you might notice it’s warmer than you expect. And if you’re fishing off Sydney and catch a tropical coral trout, you might wonder what’s going on. The reason is simple: hotter water. The ocean has absorbed the vast majority of the extra heat trapped by carbon dioxide and other greenhouses gases. It’s no wonder heat in the oceans is building up rapidly – and this year is <a href="https://theconversation.com/ocean-heat-is-off-the-charts-heres-what-that-means-for-humans-and-ecosystems-around-the-world-207902">off the charts</a>. That’s even without the likely arrival of El Niño, where the Pacific Ocean gets warmer than usual and affects weather all over the world. Our coastal waters <a href="http://www.bom.gov.au/oceanography/oceantemp/sst-outlook-map.shtml">are forecast</a> to be especially warm over the coming months, up to 2.5℃ warmer than usual in many places. <figure class="align-center "><img src="https://images.theconversation.com/files/533327/original/file-20230622-27-cqb9j1.jpg?ixlib=rb-1.1.0&q=45&auto=format&w=754&fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/533327/original/file-20230622-27-cqb9j1.jpg?ixlib=rb-1.1.0&q=45&auto=format&w=600&h=482&fit=crop&dpr=1 600w, https://images.theconversation.com/files/533327/original/file-20230622-27-cqb9j1.jpg?ixlib=rb-1.1.0&q=30&auto=format&w=600&h=482&fit=crop&dpr=2 1200w, https://images.theconversation.com/files/533327/original/file-20230622-27-cqb9j1.jpg?ixlib=rb-1.1.0&q=15&auto=format&w=600&h=482&fit=crop&dpr=3 1800w, https://images.theconversation.com/files/533327/original/file-20230622-27-cqb9j1.jpg?ixlib=rb-1.1.0&q=45&auto=format&w=754&h=605&fit=crop&dpr=1 754w, https://images.theconversation.com/files/533327/original/file-20230622-27-cqb9j1.jpg?ixlib=rb-1.1.0&q=30&auto=format&w=754&h=605&fit=crop&dpr=2 1508w, https://images.theconversation.com/files/533327/original/file-20230622-27-cqb9j1.jpg?ixlib=rb-1.1.0&q=15&auto=format&w=754&h=605&fit=crop&dpr=3 2262w" alt="" /><figcaption>Oceans around Australia are forecast to be much warmer than usual. SSTA stands for projected Sea Surface Temperature Anomaly, the difference between forecast ocean temperatures and a historical baseline period encompassing 1990–2012. Bureau of Meteorology</figcaption></figure> Many marine species live within a narrow temperature range. If the water heats up, they have to move, and if they don’t, they might die. So those that can move, are moving. In Australia, at least 200 marine species have <a href="https://onlinelibrary.wiley.com/doi/full/10.1111/gcb.15634">shifted distributions</a> since 2003, with 87% heading south. This pattern is happening all around the world, both on land and <a href="https://theconversation.com/thousands-of-photos-captured-by-everyday-australians-reveal-the-secrets-of-our-marine-life-as-oceans-warm-189231">in the ocean</a>. This year, the warmer ocean temperatures during winter mean Australia’s seascapes are likely to be more like summer. So, the next time you go fishing or diving or beachcombing, keep your eyes peeled and your camera ready. You may glimpse the enormous disruption happening underwater for yourself. <h2>Here are eight species on the move</h2> 1. Moorish idol (Zanclus cornutus) Historic range: northern Australia Now: This <a href="https://www.redmap.org.au/species/1/204/">striking fish</a> can now be seen south of Geraldton in Western Australia and Eden in New South Wales. This is a great fish for divers to spot on hard-bottomed habitats. <figure class="align-center zoomable"><a href="https://images.theconversation.com/files/533373/original/file-20230622-21-6g6xk8.jpg?ixlib=rb-1.1.0&q=45&auto=format&w=1000&fit=clip"><img src="https://images.theconversation.com/files/533373/original/file-20230622-21-6g6xk8.jpg?ixlib=rb-1.1.0&q=45&auto=format&w=754&fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/533373/original/file-20230622-21-6g6xk8.jpg?ixlib=rb-1.1.0&q=45&auto=format&w=600&h=400&fit=crop&dpr=1 600w, https://images.theconversation.com/files/533373/original/file-20230622-21-6g6xk8.jpg?ixlib=rb-1.1.0&q=30&auto=format&w=600&h=400&fit=crop&dpr=2 1200w, https://images.theconversation.com/files/533373/original/file-20230622-21-6g6xk8.jpg?ixlib=rb-1.1.0&q=15&auto=format&w=600&h=400&fit=crop&dpr=3 1800w, https://images.theconversation.com/files/533373/original/file-20230622-21-6g6xk8.jpg?ixlib=rb-1.1.0&q=45&auto=format&w=754&h=503&fit=crop&dpr=1 754w, https://images.theconversation.com/files/533373/original/file-20230622-21-6g6xk8.jpg?ixlib=rb-1.1.0&q=30&auto=format&w=754&h=503&fit=crop&dpr=2 1508w, https://images.theconversation.com/files/533373/original/file-20230622-21-6g6xk8.jpg?ixlib=rb-1.1.0&q=15&auto=format&w=754&h=503&fit=crop&dpr=3 2262w" alt="moorish idol" /></a><figcaption>Moorish Idols are heading south to escape the heat. Shutterstock</figcaption></figure> 2. Branching coral (Pocillopora aliciae) Historic range: northern NSW Now: Look out for this <a href="https://www.redmap.org.au/species/2/255">pale pink beauty</a> south of Port Stephens, not far from Sydney. Seemingly immovable species like coral are fleeing the heat too. They’re already providing habitat for a range of other shifting species like tropical fish and crab species. 3. Eastern rock lobster (Sagmariasus verreauxi) Historic range: common in NSW Now: South, as far as <a href="https://www.redmap.org.au/species/2/167">it can get.</a> It’s now found in Tasmania and even in <a href="https://www.cambridge.org/core/journals/journal-of-the-marine-biological-association-of-the-united-kingdom/article/westward-range-expansion-of-the-eastern-rock-lobster-sagmariasus-verreauxi-in-australia/8DE945E58E1DDA1A2BB7431065AAC8EC">South Australia</a>. This tasty greenish crustacean <a href="https://www.int-res.com/abstracts/meps/v624/p1-11/">doesn’t like heat</a> and has moved south into the territory of red southern rock lobsters (Jasus edwardsii). 4. Gloomy octopus (Octopus tetricus) Previous range: common in NSW Now: As far south as Tasmania. Look out for this slippery, smart invertebrate in <a href="https://www.redmap.org.au/species/2/127">Tasmanian waters</a> this winter. You might even spot the octopus nestled down with some eggs, as this looks to be a <a href="https://www.publish.csiro.au/mf/mf14126">permanent sea change</a>. <figure class="align-center zoomable"><a href="https://images.theconversation.com/files/533376/original/file-20230622-17-lf2y8r.jpg?ixlib=rb-1.1.0&q=45&auto=format&w=1000&fit=clip"><img src="https://images.theconversation.com/files/533376/original/file-20230622-17-lf2y8r.jpg?ixlib=rb-1.1.0&q=45&auto=format&w=754&fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/533376/original/file-20230622-17-lf2y8r.jpg?ixlib=rb-1.1.0&q=45&auto=format&w=600&h=462&fit=crop&dpr=1 600w, https://images.theconversation.com/files/533376/original/file-20230622-17-lf2y8r.jpg?ixlib=rb-1.1.0&q=30&auto=format&w=600&h=462&fit=crop&dpr=2 1200w, https://images.theconversation.com/files/533376/original/file-20230622-17-lf2y8r.jpg?ixlib=rb-1.1.0&q=15&auto=format&w=600&h=462&fit=crop&dpr=3 1800w, https://images.theconversation.com/files/533376/original/file-20230622-17-lf2y8r.jpg?ixlib=rb-1.1.0&q=45&auto=format&w=754&h=581&fit=crop&dpr=1 754w, https://images.theconversation.com/files/533376/original/file-20230622-17-lf2y8r.jpg?ixlib=rb-1.1.0&q=30&auto=format&w=754&h=581&fit=crop&dpr=2 1508w, https://images.theconversation.com/files/533376/original/file-20230622-17-lf2y8r.jpg?ixlib=rb-1.1.0&q=15&auto=format&w=754&h=581&fit=crop&dpr=3 2262w" alt="gloomy octopus" /></a><figcaption>The gloomy octopus is also known as the common Sydney octopus. Niki Hubbard, Wikimedia, <a class="license" href="http://creativecommons.org/licenses/by/4.0/">CC BY</a></figcaption></figure> 5. Whitetip reef shark (Triaenodon obesus) Previous range: northern Australia Now: <a href="https://www.redmap.org.au/species/3/185">South of K'gari</a> (formerly known as Fraser Island). Classed as vulnerable in parts of the world, this tropical shark is a slow swimmer and never sleeps. It poses very little danger to humans. 6. Dugongs (Dugong dugon) Previous range: northern Australia Now: As far south as Shark Bay in WA and <a href="https://www.abc.net.au/news/2023-05-17/tweed-river-dugong-sighting-boaties-warned/102355438">Tweed River</a> in New South Wales. Our waters are home to the largest number of dugong in the world. But as waters warm, they’re heading south. That means more of us may see these elusive sea-cows as they graze on seagrass meadows. Some of the most adventurous have gone way out of their normal range – in 2014, a kitesurfer <a href="https://www.redmap.org.au/articles/2021/07/26/are-dugongs-hitching-a-ride-south/">reported</a> passing a dugong at City Beach, Perth. As a WA wildlife expert says, dugongs may occasionally stray further south of Shark Bay but “given the recent warming trend […] more dugong sightings might be expected in the future” 7. Red emperor (Lutjanus sebae) and other warm water game fish Previous range: northern Australia Now: Appearing much further south – especially in WA. Look for <a href="https://www.redmap.org.au/species/1/108/">red</a>, threadfin, and redthroat emperors in southwest WA as the Leeuwin current carries these <a href="https://www.redmap.org.au/articles/2021/07/26/game-fish-follow-warm-route-south/">warm water species</a> south. As WA fisheries expert Gary Jackson has said, this current is a warming hotspot, acting like a warm water highway for certain marine species. These fish are highly <a href="https://goodfish.org.au/species/red-emperor/">sought after</a> by fishers. 8. Long-spined sea urchin (Centrostephanus rodgersii) Historic range: NSW and Victoria Now: Tasmania Look out for these <a href="https://www.redmap.org.au/species/2/34/">spiky critters</a> in southern and western Tasmania. The larvae of these urchins have crossed the Bass Strait and found a new home, due to warming waters. Urchins are grazers and can scrape rocks clean, creating urchin barrens where nothing grows. That’s bad news for kelp forests and the species which depend on them. In response, Tasmanian authorities are working to create a <a href="https://fishing.tas.gov.au/community/long-spined-sea-urchin-management/long-spined-sea-urchin-strategy#:%7E:text=%E2%80%8B%E2%80%8B%E2%80%8BTackling%20the%20longspined%20sea%20urchin&text=Unchecked%2C%20the%20urchin's%20presence%20is,at%20around%2020%20million%20individuals.">viable urchin fishery</a> to keep numbers down. <figure class="align-center zoomable"><a href="https://images.theconversation.com/files/533379/original/file-20230622-33216-7lslyr.jpg?ixlib=rb-1.1.0&q=45&auto=format&w=1000&fit=clip"><img src="https://images.theconversation.com/files/533379/original/file-20230622-33216-7lslyr.jpg?ixlib=rb-1.1.0&q=45&auto=format&w=754&fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/533379/original/file-20230622-33216-7lslyr.jpg?ixlib=rb-1.1.0&q=45&auto=format&w=600&h=400&fit=crop&dpr=1 600w, https://images.theconversation.com/files/533379/original/file-20230622-33216-7lslyr.jpg?ixlib=rb-1.1.0&q=30&auto=format&w=600&h=400&fit=crop&dpr=2 1200w, https://images.theconversation.com/files/533379/original/file-20230622-33216-7lslyr.jpg?ixlib=rb-1.1.0&q=15&auto=format&w=600&h=400&fit=crop&dpr=3 1800w, https://images.theconversation.com/files/533379/original/file-20230622-33216-7lslyr.jpg?ixlib=rb-1.1.0&q=45&auto=format&w=754&h=503&fit=crop&dpr=1 754w, https://images.theconversation.com/files/533379/original/file-20230622-33216-7lslyr.jpg?ixlib=rb-1.1.0&q=30&auto=format&w=754&h=503&fit=crop&dpr=2 1508w, https://images.theconversation.com/files/533379/original/file-20230622-33216-7lslyr.jpg?ixlib=rb-1.1.0&q=15&auto=format&w=754&h=503&fit=crop&dpr=3 2262w" alt="long spined sea urchins" /></a><figcaption>Long-spiked sea urchins are voracious eaters of seaweed. <a class="source" href="https://www.flickr.com/photos/johnwturnbull/32131133496/in/photostream/">John Turnbull/Flickr</a>, <a class="license" href="http://creativecommons.org/licenses/by/4.0/">CC BY</a></figcaption></figure> <h2>You can help keep watch</h2> For years, fishers, snorkellers, spearfishers and the general public have contributed their unusual marine sightings to <a href="https://www.redmap.org.au/">Redmap</a>, the Australian citizen science project aimed at mapping range extensions of species. If you spot a creature that wouldn’t normally live in the waters near you, you can upload a photo to log your sighting. For example, avid spearfisher Derrick Cruz logged a <a href="https://www.redmap.org.au/sightings/1624/">startling discovery</a> with Redmap in 2015: A coral trout in Sydney’s waters. As he told us: “I’ve seen plenty of coral trout in tropical waters, where they’re at home within the coral. But it was surreal to see one swimming through a kelp forest in the local waters off Sydney, much further south than I’ve ever seen that species before!” How does tracking these movements help scientists? Many hands make light work. These vital observations from citizen scientists <a href="https://data-blog.gbif.org/post/gbif-citizen-science-data">have helped</a> researchers gain deeper understanding of what climate change is doing to the natural world in many places, from bird migrations to flowering plants to marine creatures. So, please keep an eye out this year. The heat is on in our oceans, and that can mean sudden change. <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/207115/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/gretta-pecl-128477">Gretta Pecl</a>, Professor, ARC Future Fellow & Director of the Centre for Marine Socioecology, <a href="https://theconversation.com/institutions/university-of-tasmania-888">University of Tasmania</a>; <a href="https://theconversation.com/profiles/curtis-champion-1373045">Curtis Champion</a>, Research Scientist, <a href="https://theconversation.com/institutions/southern-cross-university-1160">Southern Cross University</a>, and <a href="https://theconversation.com/profiles/zoe-doubleday-393169">Zoe Doubleday</a>, Marine Ecologist and ARC Future Fellow, <a href="https://theconversation.com/institutions/university-of-south-australia-1180">University of South Australia</a> 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/marine-species-are-being-pushed-towards-the-poles-from-dugong-to-octopuses-here-are-8-marine-species-you-might-spot-in-new-places-207115">original article</a>. Images: Getty

International Travel

Top 8 tips for composting

Want to do something good for the earth that will save you money at the same time? Well, you should consider ditching fertilizer and make compost instead. For anyone new to composting, or for those who want to improve the composting skills, we’ve gathered a list of our top tips. 1. Get a quality bin The alternative to building a compost heap in your garden, is to try a compost bin. They’re usually compact which makes them perfect for smaller gardens and yards. 2. Perfect placement You’ll want to ensure you pick a spot that is level and well-drained spot so that any excess water can drain away easily. This also helps worms to get in and get on with the job of breaking down the content. 3. Put the worms to work The humble worm is the perfect (and must-have) addition to any successful compost. They love the moist atmosphere of a compost heap, eating the waste material you put in and converting it into liquid feed and compost. The tiger worm is great choice for any compost. 4. What to compost Good things to compost include vegetable peelings, fruit waste, teabags, plant prunings and grass cuttings. All of these things break down quickly and provide important nitrogen as well as moisture. While slower to rot, it’s also good to include things such as cardboard egg boxes, scrunched up paper and fallen leaves as they provide vital fibre and carbon and also allow important air pockets to form in the mixture. 5. Forget these things Meat or dairy products should never but put in your compost. Also, don’t dispose of any diseased plants, dog poo or cat litter, or babies’ nappies in your compost – these belong in the everyday bin. It’s also a good idea to avoid composting perennial weeds (such as dandelions and thistle) or weeds with seed heads. 6. Let it air out Composts requires regular turning, which can be a tricky job without the right tools. Opt for something with a long handle and turn your compost as it helps to aerate and mix up the waste and cuttings, which leads to faster composting. 7. Add a booster It’s a great idea to encourage the correct enzymes in your compost by using a activator. It helps to turn your grass, leaves and garden waste into dark, rich, crumbly compost in less than half the time. 8. Wait for it to be perfect When your compost is ready you’ll have a dark brown, almost black soil-like layer at the bottom of your bin. It should have a spongy texture and will be rich in nutrients. When it’s ready, spread the compost over your flowerbeds this will greatly improve the soil quality by helping it retain moisture and suppressing weeds. Image credits: Getty Images

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8 mind-boggling facts about your favourite flowers and plants

We’ve found some fun, quirky and downright mind-boggling facts about our favourite flowers and plants. 1. A sunflower is not just one flower. Each head is composed of hundreds of tiny flowers, called florets, held together on a single seed. This is the case for all plants in the sunflower family, including daises. 2. Apples, pears, peaches, cherries, raspberries, strawberries and more are actually in the rose family, making them cousins to the long-stemmed flower of love. 3. During the 1600s, tulips were so valuable in Holland that their bulbs were worth more than gold. No wonder the Netherlands is known for their tulips! 4. Bamboo is the fasted-growing woody plant in the world. The current Guinness World Record title is held by a certain species of the 45 genera of bamboo, which have been found to grow at up to 91 cm per day or at a rate of 0.00003 km/h. 5. Strawberries are the only fruit that bears its seeds on the outside. It has on average 200 seeds. 6. The oldest known flower was discovered in 2002, in northeast China. The flower, named archaefructus sinensis, bloomed around 125 million years ago and resembles a water lily. 7. The titan arum is the world’s largest flower. The circumference of the flower can be over three metres and a single leaf can grow to the size of a small tree. However, it smells horribly like rotten flesh, earning its nickname of corpse flower. 8. You can change the colour of your hydrangeas by altering the pH level of the soil. Alkaline soil will create pinker blooms, while a more acidic soil will produce blue blooms. Image credit: Instagram Related links: <a href="../lifestyle/gardening/2015/05/gardening-and-soil-ph/">What you need to know about your soil’s pH levels</a> <a href="../lifestyle/gardening/2015/05/over60-community-gardens-part-4/">Take a look inside the beautiful gardens of the Over60 community</a> <a href="../lifestyle/gardening/2015/06/attracting-birds-to-the-garden/">Top tips for attracting birds to the garden</a>

Home & Garden

8 fictional places you can visit in real life

Step into the world of your favourite book, movie or TV show with a visit to these fictional locations that represented the original. Hogwarts, Harry Potter You won’t see anyone playing Quidditch on the lawns, but Alnwick Castle in Northumberland in the UK played Hogwarts in the first two Harry Potter films (with a little digital trickery thrown in). The castle has been the home of the Dukes of Northumberland for more than 700 years and is in high demand with film and TV crews – it also stars in the Downton Abbey Christmas specials. Jurassic Park The lush jungle foliage and towering waterfalls of the island of Kauai in Hawaii served as the backdrop for Stephen Spielberg’s rampaging dinosaurs in all three Jurassic Park movies. You can rent a four-wheel drive and travel through the national park where the movie was filmed though, sadly, none of the dinosaurs remained behind after shooting wrapped. West Egg, The Great Gatsby F Scott Fitzgerald modelled West Egg on Great Neck in Long Island, New York. This area on the north coast of Long Island was known as the Gold Coast because of the huge mansions, polo fields, golf courses and country clubs built there by America’s super wealthy (think Vanderbilt, Astor or Guggenheim). The very grand Oheka Castle in nearby Huntington partly inspired Gatsby’s house. Amity Island, Jaws Don’t go in the water! The beach on Amity Island was the setting for the first scene in the classic 1970s horror movie, Jaws. As well as looking the part of the perfect American seaside resort, the shallow water of the bay made it easier for the crew to operate the mechanical sharks. Hundred Acre Wood, Winnie the Pooh Just over an hour from London you can walk in the footsteps of Winnie the Pooh and Christopher Robin through Ashdown Forest. There’s only about 25 square kilometres of wooded area left from what was once a mighty forest, but it is still quintessentially English and one could almost expect Pooh, Tigger and Piglet to come bounding around a shady corner. Greenbow, Forrest Gump Life is like a box of chocolates in Varnville, South Carolina, which served as the fictional town of Greenbow in the Oscar winning movie Forrest Gump. The old Southern mansion that Forrest and his mamma lived in was a fake however, built just for production (and torn down right after), and even some of the Vietnam War scenes were shot around Varnville. Thank goodness for special effects. King’s Landing, Game of Thrones The historic Maltese capital of Mdina played the part of Kings Landing in the first series of Game of Thrones. The medieval walled city is in the centre of the island and has a population of just 300 – many of whom weren’t happy about the series. Maltese officials complained about the damage done and filming moved to Croatia for the following series. Hobbiton, The Lord of the Rings The three Lord of the Rings movies were such a smash hit that the village of Hobbiton was completely rebuilt in the original film location near Matamata in the North Island of New Zealand. You can step inside the tiny hobbit holes, visit the Green Dragon Inn and (of course) buy a souvenir at the gift shop. Images: Getty

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8 mind-boggling facts about your favourite flowers and plants

8 fictional places you can visit in real life

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