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UK Supreme Court makes major ruling on definition of "woman"

In a landmark ruling that has stirred celebration and concern in equal measure, the UK Supreme Court has unanimously ruled that the legal definition of "woman" refers exclusively to someone born biologically female. The decision effectively excludes transgender women from being counted as women under the Equality Act, marking a decisive turn in a years-long legal battle over gender identity and women's rights in Scotland. The case, brought by the feminist campaign group For Women Scotland (FWS), challenged guidance issued by the Scottish government that included transgender women with gender recognition certificates in official gender quotas. The ruling has been hailed as a victory by women's rights advocates who argued that expanding the definition undermined protections for biologically female people. “Everyone knows what sex is and you can't change it,” said Susan Smith, co-director of FWS, celebrating the court’s decision outside the courthouse. “It’s basic common sense. People have tried to deny science and reality. Hopefully, this now brings us back to reality.” The Supreme Court’s five justices ruled unanimously that the Equality Act permits single-sex spaces – such as women-only changing rooms, shelters, and medical services – to exclude transgender women, even those who hold gender recognition certificates. In his written opinion, Justice Patrick Hodge said that the ruling does not strip transgender people of their broader protections under UK law but rather clarifies the scope of “sex” in certain legal contexts. “Interpreting ‘sex’ as certificated sex would cut across the definitions of ‘man’ and ‘woman’… and create heterogeneous groupings,” he wrote. The dispute originated from a 2018 Scottish law requiring that at least 50% of board members of public bodies be women. The inclusion of trans women in this target was central to the legal challenge, with FWS arguing that such a move effectively redefined the concept of womanhood without parliamentary authority. Aidan O’Neill, legal counsel for FWS, told the court that “sex” should be interpreted in the “ordinary, everyday” sense, based on biology from birth. “It is an expression of one’s bodily reality,” he said. “An immutable biological state.” The ruling has sparked celebration among gender-critical activists. Outside court, campaigners from several women’s groups opened champagne and chanted, “Women’s rights are human rights.” Maya Forstater, founder of the advocacy group Sex Matters, said: “The court has given us the right answer: the protected characteristic of sex refers to reality, not paperwork.” Author JK Rowling, a vocal supporter of FWS, praised the campaigners as “extraordinary” and “tenacious.” In a post on X, she said, “In winning, they've protected the rights of women and girls across the UK.” However, the judgment has drawn sharp criticism from trans rights organisations and human rights advocates. The campaign group Scottish Trans said it was “shocked and disappointed,” warning that the ruling risks eroding legal protections for trans people. Green Party Member of the Scottish Parliament Maggie Chapman called the decision “deeply concerning” and a “huge blow to some of the most marginalised people in our society.” “Trans people have been cynically targeted and demonised by politicians and large parts of the media for far too long,” Chapman said. “This has contributed to attacks on longstanding rights and attempts to erase their existence altogether.” Amnesty International also condemned the ruling, arguing that it clashes with broader human rights standards. “A blanket policy of barring trans women from single-sex services is not a proportionate means to achieve a legitimate aim,” the organisation stated. The UK government welcomed the Supreme Court's clarification, stating, “Single-sex spaces are protected in law and will always be protected by this government.” Scotland’s semi-autonomous government, which initially defended the inclusion of trans women in public board quotas, said it accepted the court's decision. “We will now engage on the implications of the ruling,” said First Minister John Swinney. “Protecting the rights of all will underpin our actions.” The ruling is expected to have wide-reaching implications for public policy, equalities law, and gender identity debates across the UK – a country increasingly at the centre of a global reckoning on the boundaries of sex, gender and rights. Images: For Women Scotland

Legal

Refinancing your home later in life – what you need to know

There are many reasons why you may look to refinance your home. The obvious one is to lower mortgage repayments with a better rate. However, other reasons people refinance later in life include: <ul> <li>unlocking equity to invest</li> <li>paying down other debts</li> <li>buying a holiday home</li> <li>funding extended travel</li> <li>launching a new business</li> <li>supporting children with a property deposit</li> </ul> Regardless of why you want to refinance, the points below will help you navigate your options. Changing lenders It may have been a while since you last revisited your mortgage, meaning you may not be aware of current lending options and traps. A common trick lenders use is the so-called “headline rate” to grab your attention. However, this interest rate is typically not what you end up paying. It may only be an introductory rate for the first few months, or hefty fees attached may wipe out any savings. Banks aren’t the only ones offering loans nowadays. Registered non-bank lenders, fintechs and online lenders can refinance your mortgage and provide other credit services the same as any bank; they just don’t take cash deposits. Alternatively, you could explore credit unions and mutual societies. Also consider any shareholder benefits you may have. Most banks have done away with them now but may still honour pre-existing ones. If you change lenders, you could lose this entitlement – permanently. Reverse mortgages Generally, only available to people aged 60-plus, a reverse mortgage effectively allows you to unlock equity in your home without you needing to make immediate repayments. However, they often have strict conditions including: <ul> <li>minimum borrowing amounts</li> <li>maximum borrowing ratios</li> <li>higher interest rates than standard mortgages</li> </ul> Crucially, the interest accrues over time and is repaid when you sell, move or pass away. As such, your debt liability grows over time – potentially impacting your future living arrangements and how much is left for beneficiaries in your will. The Govt has the “loan equity scheme” as another option to lenders. I just want to highlight the need to be careful with reverse mortgages. Changing homes Rather than selling, downsizing could involve making an investment property your primary residence and then renting out your existing home. This approach may require you to refinance both loans simultaneously. There will also be tax considerations to work through – including Capital Gains Tax liabilities when you do sell, negative gearing, depreciation, and changes to your income tax. Then there are the lifestyle factors to weigh up, especially if you are moving to a different area: <ul> <li>living expenses</li> <li>insurance and travel costs</li> <li>access to healthcare</li> <li>rental income</li> <li>property management expenses</li> </ul> Remember that if you have a Self Managed Super Fund (SMSF), it CANNOT own any property that you directly use yourself, including your home. Becoming Bank of Mum and Dad Refinancing can unlock equity to support adult children with their first property deposit. However, it isn’t without its risks. Ask yourself honestly: <ul> <li>Will this be a gift or loan?</li> <li>If a loan, under what terms? Will interest be applied? How and when will repayments be made? What if they default?</li> <li>What happens if their relationship breaks down, will you get your money back?</li> <li>How does going without that money affect your retirement?</li> <li>Do you have alternative assets to support you if your circumstances change?</li> <li>How does this affect inheritances or deposit contributions to your other children?</li> <li>Can you assist them another way without using your home equity?</li> </ul> Draw up a written agreement outlining all conditions and scenarios to avoid disagreements in the future. Pension impacts Don’t overlook how refinancing your home could impact your pension. While your home is exempt from the means test, any income or assets you generate from unlocking equity is not. You could inadvertently see your pension amount reduced or your eligibility voided altogether. This would come as a nasty shock if you haven’t pre-budgeted for such a change! Getting advice To ensure you get the best bang for your buck when refinancing, be sure to enlist the help of a good: <ul> <li>mortgage broker to source the best loans for your circumstances</li> <li>insurance broker to ensure your cover is right sized for your needs, risk and budget</li> <li>accountant to work through any tax implications</li> <li>estate planner to manage any changes</li> <li>financial adviser to keep your investments and financial strategy working for you</li> </ul> Ultimately, decisions – including about refinancing – are only as good the information you have at hand. So, make sure you have all the relevant facts before signing on the dotted line. Helen Baker is a licensed Australian financial adviser and author of the new book, Money For Life: How to build financial security from firm foundations (Major Street Publishing $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 style="color: #467886;" title="http://www.onyourowntwofeet.com.au/" href="http://www.onyourowntwofeet.com.au/">www.onyourowntwofeet.com.au</a> Disclaimer: The information in this article is of a general nature only and does not constitute personal financial or product advice. Any opinions or views expressed are those of the authors and do not represent those of people, institutions or organisations the owner may be associated with in a professional or personal capacity unless explicitly stated. Helen Baker is an authorised representative of BPW Partners Pty Ltd AFSL 548754.

Money & Banking

The renting trap snaring retirees – and how to avoid it

It has long been known that renting in retirement is associated with a lower quality of life. Understanding the causal factors can help you avoid a similar fate. There are many reasons why renting in retirement can be problematic. For a start, figures on how much income we need to retire comfortably usually assumes that you own your home – the cost of rent isn’t included. So, anyone using this as a guide falls well short, potentially by 20-40 per cent. Additionally: <ul> <li>Rent usually eats up a larger portion of retirement income than home ownership.</li> <li>Over time, rents typically keep rising while mortgage debts reduce.</li> <li>Home ownership provides equity to use for other investments, further boosting retirement income.</li> <li>Downsizing homeowners can make an additional superannuation contribution from the sale proceeds, which renters cannot.</li> <li>Homeowners can make accessibility modifications to meet their needs as they age, like installing ramps or rails.</li> <li>Homeowners have greater stability and aren’t subject to eviction (and moving costs) at short notice.</li> </ul> How big a problem is it? Numerous studies have highlighted the growing scale of the problem faced by renting retirees. <a style="color: #467886;" href="https://grattan.edu.au/report/renting-in-retirement-why-rent-assistance-needs-to-rise/" target="_blank" rel="noopener">The Grattan Institute</a> recently found that “two in three retirees who rent in the private market live in poverty,” and that “most older working Australians who rent do not have sufficient savings to keep paying rent in retirement.” The rental trap is also not exclusive to low-income earners. <a style="color: #467886;" href="https://everybodyshome.com.au/resources/priced-out-priced-out-an-index-of-affordable-rentals-for-australian-voters/" target="_blank" rel="noopener">Everybody’s Home</a> recently found Australians earning $100,000 per year – above the <a style="color: #467886;" href="https://www.abs.gov.au/statistics/labour/earnings-and-working-conditions/employee-earnings/latest-release" target="_blank" rel="noopener">national median of $1,396 per week</a> ($72,592 per year) – are struggling to pay their rent. The end result is that homelessness is a growing problem for over 55s – particularly women. <a style="color: #467886;" href="https://www.mercyfoundation.com.au/our-focus/ending-homelessness/older-women-and-homelessness/" target="_blank" rel="noopener">The Mercy Foundation</a> notes that homelessness among these women grew 6.6 per cent in the 2021 Census, following a huge 31 per cent increase in the 2016 Census. What is causing it? Not owning your own home in retirement is obvious answer here. But there are various contributing factors that see people forced to rent later in life, including losing their home and being financially unable to replace it. These include: <ul> <li>Divorce/separation – court and legal fees, counselling costs, division of assets (including the family home).</li> <li>Pre-retirement chronic illness – time out of the workforce for both the patient and their partner to care for them, loss of income, less going into super, and higher healthcare costs.</li> <li>Death of a partner – up-front bills like funeral expenses, surviving partner suddenly on a single income.</li> <li>Elder abuse – an estimated <a style="color: #467886;" href="https://www.aihw.gov.au/family-domestic-and-sexual-violence/population-groups/older-people#abuse" target="_blank" rel="noopener">one in six older Australians experience elder abuse</a>, including 2.1 per cent facing financial abuse.</li> <li>Domestic violence – fleeing abusive relationships with little or no money and assets.</li> <li>Climate change – loss of uninsured home/other assets as storms, floods, cyclones, and fires increase in frequency and severity.</li> <li>Scams – <a style="color: #467886;" href="https://www.nasc.gov.au/news/australians-better-protected-as-reported-scam-losses-fell-by-almost-26-per-cent" target="_blank" rel="noopener">Australians lost $2 billion to scams</a> in 2024.</li> <li>Gambling – <a style="color: #467886;" href="https://aifs.gov.au/research/research-snapshots/gambling-participation-and-experience-harm-australia" target="_blank" rel="noopener">46 per cent of gamblers are at risk of harm</a>, including losing their home.</li> <li>Housing unaffordability – soaring prices (and stamp duty) push home ownership out of reach.</li> </ul> Women often face the brunt of these effects, disadvantaged by the gender pay gap, having less in superannuation, often having primary or sole custody of children, and having less secure employment. How can you protect yourself? Thankfully, there are steps we can all take to protect ourselves and our retirement: <ul> <li>Get your foundations right for a strong financial footing – emergency fund, spending and investment plan, insurances, superannuation, estate planning.</li> <li>Make decisions jointly – letting your partner control finances alone means more risk for you and less spending oversight.</li> <li>Have contingency plans – your own bank account, independent financial and retirement plans, insurances, and back-up plans just in case.</li> <li>Get into the market ASAP – even a cheap investment property far from where you live is a financial asset and a roof over your head if needed.</li> <li>Consider co-ownership – if you can’t afford to buy property alone, split the purchase and ongoing costs with an adult child, sibling, or close friend. Alternatively, sub-let a room to offset the costs.</li> <li>Don’t settle for less – avoid accepting an unreasonable separation settlement just to resolve things quickly.</li> <li>Be alert – know the warning signs of scams, elder abuse, gambling addiction and domestic violence to avoid losing everything.</li> <li>Get independent advice – professional legal, accounting, and financial advice can help you build financial independence, create safeguards, and recover faster if disaster does strike.</li> </ul> Overall, the best thing you can do is simply to act. By being proactive instead of burying your head in the sand, your future self stands a much better chance of enjoying a comfortable retirement! Helen Baker is a licensed Australian financial adviser and author of the new book, Money For Life: How to build financial security from firm foundations (Major Street Publishing $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 style="color: #467886;" title="http://www.onyourowntwofeet.com.au/" href="http://www.onyourowntwofeet.com.au/" target="_blank" rel="noopener">www.onyourowntwofeet.com.au</a> Disclaimer: The information in this article is of a general nature only and does not constitute personal financial or product advice. Any opinions or views expressed are those of the authors and do not represent those of people, institutions or organisations the owner may be associated with in a professional or personal capacity unless explicitly stated. Helen Baker is an authorised representative of BPW Partners Pty Ltd AFSL 548754. Image: Shutterstock

Money & Banking

Cricket great takes aim at Albo's beer tax freeze

Cricket great David Warner has slammed Prime Minister Anthony Albanese's move to combat soaring beer prices. On Monday, Albanese promised to pause the government's tax hike on beers poured at pubs for the next two years. Albanese announced the policy while enjoying his "first beer of the year" at the Bob Hawke Beer and Leisure Centre in Marrickville. "This will make a difference. It is a positive announcement. As I said, good for beer drinkers, good for pubs and clubs, good for cost of living pressures," he said. Australia's inflation-indexed alcohol tax - which increases twice annually - has long been an issue for breweries, pub owners and customers. This month, there was a 3.5 per cent rise on the price of beer, an additional cost that usually gets passed onto the customer. The Prime Minister said if he is re-elected, the Labor government would freeze the indexation on draught beer excise for 24 months from the next indexation date this coming August. However, Warner believes this move is a "few years too late," slamming the Prime Minister's pledge on social media. Warner, who is an investor and director of Victoria's St Andrews Beach Brewery, has been affected by the rising prices. Shortly after Albanese's announcement, Coalition treasury spokesman Angus Taylor said Peter Dutton, if elected, would also freeze tax. "The government has chosen the eve of an election to promise voters a freeze on a tax that has skyrocketed due to its failure to address inflation at its core," Taylor said. Image: LUKAS COCH/EPA-EFE/ Shutterstock Editorial/ Instagram

Money & Banking

Maggie Beer celebrates 80th birthday

Maggie Beer has celebrated her 80th birthday. The beloved celebrity chef's official Instagram account shared a video of her celebrating her milestone birthday with loved ones and the caption: “We would like to wish our wonderful Maggie a very happy 80th birthday today! "A true icon, and much loved by everyone. Thank you for always inspiring us and providing us with the most delicious recipes & products. "We love you Maggie." Fans across the nation were quick to send their birthday wishes to the celebrity chef, with many thanking her. “Many happy returns Maggie! Thank you for being a great source of joy for us all,” one wrote. “Bless you Maggie. Happy birthday and thank you for all that you have done, especially for Aged Care," another commented. “Have a great Birthday Maggie 80 wow have a fantastic day,” commented another. “Happiest of birthdays to Mrs Maggie Beer a national treasure and Australian icon thanks for all you do love your work !!” “Happy Birthday Maggie – you are unstoppable and we love you heaps.” <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-captioned="" data-instgrm-permalink="https://www.instagram.com/reel/DE_DBEUq4cF/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/reel/DE_DBEUq4cF/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by Official Maggie Beer (@maggie_beer)</a> </div> </blockquote> The birthday celebrations come after a rough year Beer, as she continues to recover following <a href="https://www.oversixty.com.au/health/caring/maggie-beer-rushed-to-hospital" target="_blank" rel="noopener">a fall at her home</a> in 2024. At the time, her family shared on social media that while she had suffered a couple of injuries including "minor bone fractures", she was being taken care off by her doctors who "are confident she will make a full recovery". In a recent interview with The Australian, Beer revealed that she has "come such a long way" in her recovery journey, and learned a few valuable lessons. “I’ve come such a long way, considering I’ve been home from hospital for a month and when I first came home I’d be up for an hour and back to bed for an hour,” she told the publication at the time. “Yesterday, I was up all day without resting – that is a monumental step forward. Full recovery takes time and I’m not the most patient person in the world. “So I’m learning to be a different kind of person, accepting that things go slowly sometimes.” Image: Instagram

Caring

Maggie Beer wins top award while on the road to recovery

Maggie Beer has been honoured with a top award just days after opening up about her recovery following a fall last month. The 79-year-old Aussie chef won Best Host of a Format at the C21 International Format Awards in Cannes for her role hosting Maggie Beer’s Big Mission on the ABC. The leading awards recognises creativity and excellence across the global television industry. Beer was the only woman in the category, beating some of the television industry's biggest names including Jimmy Kimmel for Who Wants to Be a Millionaire US, Stephen Fry in Jeopardy UK, Alan Cumming for The Traitors US and Big Zuu for Big Zuu’s 12 Dishes in 12 Hours. Maggie Beer’s Big Mission was inspired by the findings of the Royal Commission into Aged Care in 2021, which exposed high rates of malnutrition in older adults living in aged care. In the show she led a world-first social experiment to transform the meals and dining experience at an aged-care home in Perth, WA. Beer and team of experts changed the menu, dining rooms and gardens using the "care model" to improve nutrition and wellbeing of residents. In a statement, Beer said it was a “privilege to actually live the experience in an aged-care home brave enough to show warts and all.” She learned what was acceptable to feed residents and what wasn't but “…most of all how to begin the journey of change to show the difference that is made to the happiness and wellbeing not only of the residents but the staff as well,” she said. “With her extraordinary leadership she has put older Australians first and given them a voice,” managing director of Artemis media, Celia Tait said. This comes just days after Beer opened up on her fall in August, where she suffered minor bone fractures and related injuries, telling her instagram followers that "even though I want to tell you how good I’m feeling now, I still have a way to go." “I will make a full recovery, and part of it is the care and the love that I’ve been given.” Images: Instagram

Food & Wine

Maggie Beer rushed to hospital

Maggie Beer has been rushed to hospital after she suffered a nasty fall in her Barossa Valley home in South Australia. The Aussie food icon shared a statement with her followers on Instagram to share to the news, saying she had suffered minor bone fractures and a few cuts and bruises. The 79-year-old assured her fans that she will make a full recovery after her stint in hospital, but her family said in the post “it may just take a little while”. Maggie's family wrote on Instagram that her husband Col had been at home at the time of the fall, adding that "she is now in the excellent hands of her doctors who are confident she will make a full recovery." “More than anything else, Maggie hates letting people down. But she has multiple events and public engagements coming up that she may have to miss,” the social media post said. “She has asked us to apologise on her behalf to all those affected — and has asked for your patience as she recuperates.” Maggie's famous friends and fans were quick to comment well wishes on her post, wishing her a speedy recovery. “Sending you all our love and healing energy beautiful Maggie,” fellow celebrity chef, Kylie Kwong said. Chef Peter Gilmore added, "Look after yourself Maggie. You are loved by so many people an inspiration, take time to heal." “Maggie is one of the very best x hugs for a full recovery very soon. Wonderful lady, get better soon,” a fan commented. Image credits: Instagram

Caring

Mysterious leg pain that’s quietly killing older Australians

Peripheral Artery Disease (PAD) has long been overshadowed by its more widely recognised counterparts, such as heart attacks and strokes. Often referred to as the “poor cousin” or “Cinderella” of cardiovascular diseases, PAD affects one in five older Australians, yet it remains largely under-diagnosed and misunderstood. However, a wave of optimism is sweeping through the medical community with the launch of <a href="https://www.hri.org.au/our-research/centreforpad" target="_blank" rel="noopener">The Centre for Peripheral Artery Disease</a>, an Australian-first facility dedicated to pioneering research and improving patient outcomes. Spearheaded by the Heart Research Institute, the Centre for Peripheral Artery Disease, marks a significant step forward in addressing the challenges posed by PAD. The centre aims to fill critical gaps in our understanding of the disease, which is responsible for a limb amputation in Australia every two hours. This initiative promises to enhance diagnosis, transform patient care, and raise awareness about PAD. Associate Professor Mary Kavurma, the Centre Lead, is at the forefront of this ground-breaking effort. “We’re supercharging research into PAD because there are still many unknowns about the disease’s biology that could unlock new methods for early detection and better management,” she explains. This research is particularly urgent given the prevalence of PAD among women and First Nations Australians, groups that remain disproportionately affected by this condition. The centre’s mission is to develop a simple blood test for early diagnosis and explore novel therapies that could reduce the need for limb amputations and significantly improve patients’ quality of life. Unlike current treatments that primarily focus on symptom management, this new approach seeks to prevent the disease from progressing. One of the most inspiring aspects of the centre is its commitment to involving patients and their families in the research process. At the inaugural consumer meeting, nearly 20 patients and their carers shared their personal experiences with PAD. Take the story of Simon Josephson, a renowned advertising guru – who famously designed the Solo logo. PAD almost cost him his life after taking more than five years to diagnose. He woke up one morning with a sore leg, thinking he’d overdone it exercising but the 73-year-old – who was otherwise healthy and active – unknowingly had Peripheral Artery Disease, caused by a build-up of plaque in his arteries causing them to narrow and stiffen. It wasn’t until a trip to the hospital emergency department years later that doctors would discover his aorta had expanded to more than twice the usual size and was at risk of rupturing. He immediately underwent open heart surgery and has faced a lengthy recovery. The launch of <a href="https://www.hri.org.au/our-research/centreforpad" target="_blank" rel="noopener">The Centre for Peripheral Artery Disease</a> heralds a new era of hope and progress in the fight against PAD. Through world-leading research, community engagement, and a commitment to patient-centred care, the CPAD is poised to make a profound impact on the lives of many Australians. As Assoc Prof Kavurma aptly put it, “By understanding more about this debilitating condition, we are paving the way for better health outcomes and a brighter future for all those affected by PAD.” Images: CPAD

Caring

Why doesn’t water help with spicy food? What about milk or beer?

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/daniel-eldridge-1494633">Daniel Eldridge</a>, <a href="https://theconversation.com/institutions/swinburne-university-of-technology-767">Swinburne University of Technology</a> Spicy foods taste spicy because they contain a family of compounds called capsaicinoids. Capsaicin is the major culprit. It’s found in chillies, jalapeños, cayenne pepper, and is even the active ingredient in <a href="https://pubmed.ncbi.nlm.nih.gov/31334983/">pepper spray</a>. Capsaicin doesn’t actually physically heat up your mouth. The burning sensation comes from receptors in the mouth reacting to capsaicin and sending a signal to the brain that something is very hot. That’s why the “hot” chilli sensation feels so real – we even respond by sweating. To alleviate the heat, you need to remove the capsaicin from your mouth. So why doesn’t drinking water help make that spicy feeling go away? And what would work better instead? <h2>Water-loving and water-hating molecules</h2> To help us choose what might wash the capsaicin away most effectively, it’s helpful to know that capsaicin is a hydrophobic molecule. That means it hates being in contact with water and will not easily mix with it. Look what happens when you try to mix hydrophobic sand with water. <figure><iframe src="https://www.youtube.com/embed/H8cj9CpHW7w?wmode=transparent&start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe></figure> On the other hand, hydrophilic molecules love water and are very happy to mix with it. You’ve likely seen this before. You can easily dissolve hydrophilic sugar in water, but it’s hard to wash away hydrophobic oils from your pan using tap water alone. If you try to wash hydrophobic capsaicin away with water, it won’t be very effective, because hydrophilic and hydrophobic substances don’t mix. Going for iced water will be even less effective, as hydrophobic capsaicin is even less soluble in water at lower temperatures. You may get a temporary sense of relief while the cold liquid is in your mouth, but as soon as you swallow it, you’ll be back where you started. Instead, a good choice would be to consume something that is also hydrophobic. This is because of an old-but-true adage in chemistry that “like dissolves like”. The idea is that generally, hydrophobic substances will not dissolve in something hydrophilic – like water – but will dissolve in something that is also hydrophobic, as this video shows: <figure><iframe src="https://www.youtube.com/embed/s5yfs-Pr_y8?wmode=transparent&start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe></figure> <h2>My mouth is on fire. What should I drink instead of water?</h2> A swig of oil would likely be effective, but is perhaps not so palatable. Milk makes for an ideal choice for two reasons. The first is that milk contains hydrophobic fats, which the capsaicin will more easily dissolve in, allowing it to be washed away. The second is that dairy products contain a protein called casein. Casein is an emulsifier, a substance that helps oils and water mix, as in this video: <figure><iframe src="https://www.youtube.com/embed/S4XeQhZRLDE?wmode=transparent&start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe></figure> Casein plays a large role in keeping the fat mixed throughout your glass of milk, and it also has a strong affinity for capsaicin. It will readily wrap up and encapsulate capsaicin molecules and assist in carrying them away from the receptor. This relieves the <a href="https://pubmed.ncbi.nlm.nih.gov/36510373/">burning sensation</a>. <h2>OK but I hate drinking milk. What else can I try?</h2> What about raita? This dish, commonly served with Indian curries, is made primarily from yoghurt. So aside from being its own culinary experience, raita is rich in fats, and therefore contains plenty of hydrophobic material. It also contains casein, which will again help lock up and remove the capsaicin. Ice cream would also work, as it contains both casein and large amounts of hydrophobic substances. Some studies have also shown that consuming <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC9328490/">drinks with large amounts of sugar</a> can relieve spiciness. What about reaching for that ice cold beer? This is commonly suggested as a suitable approach to stop the burning. At first glance, this may seem a good idea because capsaicin is highly soluble in alcohol. However, most beers only contain between 4–6% alcohol. The bulk of the liquid in beer is water, which is hydrophilic and cannot wash away capsaicin. The small amount of alcohol in your beer would make it slightly more effective, but not to any great degree. Your curry and beer may taste great together, but that’s likely the only benefit. In truth, an alcoholic beverage is not going to help much unless you go for something with a much, much higher alcohol content, which comes with its own problems.<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/226624/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/daniel-eldridge-1494633">Daniel Eldridge</a>, Senior Lecturer in Chemistry, <a href="https://theconversation.com/institutions/swinburne-university-of-technology-767">Swinburne University of Technology</a> Image credits: Shutterstock 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-doesnt-water-help-with-spicy-food-what-about-milk-or-beer-226624">original article</a>. </div>

Food & Wine

Why a cold beer is best – chemically speaking

A quiet moment in a bar has led two researchers to study how alcohol tastes at different temperatures. No, this is real science. <div class="copy"> “Two years ago, Xiaotao Yang and I were drinking beer together. He had just finished his doctorate degree thesis and asked me, ‘what should we do next?’” says Lei Jiang, lead author of a new study <a href="https://doi.org/10.1016/j.matt.2024.03.017" target="_blank" rel="noopener">published</a> in the materials science journal Matter. Yang and Jiang are material scientists at the Chinese Academy of Sciences. “At the time, I was a scientific committee member of one of the biggest Chinese alcoholic beverage companies, and I had the idea to ask the question ‘why does Chinese baijiu have a very particular concentration of alcohol, either 38%–42%, 52%–53%, or 68%–75%?’” Baijiu is a clear grain liquor from East Asia. It’s typically distilled from fermented sorghum (a type of grass), though it is also sometimes made from rice, wheat, barley or millet. “Then we decided, let’s try something, so I put a drop of beer on my hand to see the contact angle,” says Jiang. Contact angle is a measure of surface tension. For example, water has a low contact angle which is why it appears bead-like when placed on a surface. Solutions with high <a href="https://cosmosmagazine.com/health/body-and-mind/debunks-vices-alcohol/">alcohol</a> concentration, however, have a higher contact angle meaning they flatten and spread out. Contact angle also reveals how molecules within the droplet interact with each other and the surface below. After plotting the concentration of ethanol (alcohol) against contact angle, the scientists were surprised with what they found. There is no linear relationship between alcohol concentration and contact angle. Instead, increasing the amount of alcohol leads to a series of plateaus and sharp rises in the plot. Further experiments showed that this arises out of the formation of clusters of ethanol and water in the solutions. At low concentrations, ethanol forms pyramid-like structures around the water molecules. At high concentrations, the ethanol molecules arrange end-to-end in a chain. They also found that these structures change depending on temperature. For example, 38%–42% and 52%–53% ethanol solutions have distinct cluster structures at around room temperature, but this difference disappears at higher temperatures, like 40°C. “Although there is only 1% difference, the taste of baijiu at 51% and 52% is noticeably different; the taste of baijiu at 51% is similar to that of lower alcohol content, such as 38%–42%. So, in order to achieve the same taste at a lower alcohol content, the distribution of baijiu products ranges most within the 38%–42% and 52%–53% categories,” says Jiang. The researchers also found that there is an increase in ethanol chains at 5°C in 5% and 11% ethanol solutions – the concentration range of beer – giving it a more “ethanol-like” taste which is generally preferred. “At low temperature, the tetrahedral (pyramid-shaped) clusters become the low concentration amount, and this is why we drink cold beer,” says Jiang. The researchers say their research could help beverage companies produce the best flavour with the lowest alcohol concentration. Image credits: Shutterstock <div> <noscript data-spai="1"><img decoding="async" fetchpriority="high" class="aligncenter size-full wp-image-198773" src="https://cdn.shortpixel.ai/spai/q_lossy+ret_img+to_auto/cosmosmagazine.com/wp-content/uploads/2023/11/Cosmos-Catch-Up-embed_728x150-1.jpg" data-spai-egr="1" alt="Sign up to our weekly newsletter" width="600" height="154" title="why a cold beer is best – chemically speaking 2"></noscript> </div>  <img id="cosmos-post-tracker" style="opacity: 0; height: 1px!important; width: 1px!important; border: 0!important; position: absolute!important; z-index: -1!important;" src="https://syndication.cosmosmagazine.com/?id=303282&title=Why+a+cold+beer+is+best+%E2%80%93+chemically+speaking" width="1" height="1" loading="lazy" aria-label="Syndication Tracker" data-spai-target="src" data-spai-orig="" data-spai-exclude="nocdn" /> </div> <div id="contributors"> <a href="https://cosmosmagazine.com/science/chemistry/beer-taste-temperature/">This article</a> was originally published on <a href="https://cosmosmagazine.com">Cosmos Magazine</a> and was written by <a href="https://cosmosmagazine.com/contributor/evrim-yazgin/">Evrim Yazgin</a>. </div>

Food & Wine

Aussies lament the end of ancient "Beers for Garbos" tradition

Here in Australia, where rubbish collectors are celebrated annually with a frosty brew (or six), a cherished tradition is facing its untimely demise. Yes, you guessed it right – the legendary "Beers for Garbos" tradition, where grateful locals adorn their wheelie bins with a six-pack of beer as a token of appreciation, is disappearing faster than a cold beer on a scorching summer day. For generations, Aussies have upheld this festive practice, a heartwarming exchange between citizens and their garbage collectors during the most wonderful time of the year. But alas, the tides are turning, and it seems the days of beer-topped bins are numbered. The alarm was sounded when a concerned citizen took to the virtual streets of Reddit to lament the decline of this time-honoured tradition. "I've been doing this for 20 years, only the last two years they don't seem interested. Is this a tradition we are losing?" cried out the desperate Redditor, faced with the heartbreaking prospect of having their VB left unwanted and unclaimed. Speculations ran wild in the digital realm, with theories ranging from light-fingered neighbours to the outrageous notion that beer might not be as popular as it once was. However, Veolia, the giant among waste management companies in Australia, quickly extinguished the fiery speculations. Veolia's chief operating officer of environment, Tony Roderick, delivered the crushing blow, confirming that the "Beers for Garbos" tradition had taken its last bow. The culprit? Health and safety concerns, the perennial party poopers of workplace festivities. Roderick explained, "Packages of beer become missiles in the cabin of the truck under emergency braking." Picture this: a garbage truck hurtling down the suburban streets, emergency brakes screeching, and inside, a symphony of exploding beer bottles. It's a hazardous scenario that even the most seasoned garbage collector might find hard to navigate. Moreover, Veolia has a company-wide dry workplace policy, dashing hopes of a beer-fuelled trash pickup. But fear not, for Roderick is not entirely Ebenezer Scrooge. He encourages alternative forms of gift-giving. "Should people want to leave a small gift for their local driver, it is possible to leave it at the local depot where the driver can collect it at the end of the shift." So, instead of a six-pack perched on the bin, envision a quaint scene of a garbage collector picking up a thoughtful gift basket at the depot – the stuff of modern Aussie holiday magic. As we bid adieu to the "Beers for Garbos" era, let's raise a glass in fond remembrance. May your wheelie bins be forever adorned with the spirit of giving, even if the contents are now strictly non-alcoholic. Cheers to a new era of sober, yet equally heartfelt, expressions of gratitude for our unsung garbage heroes! Images: Facebook

Home & Garden

Senior wins $38,000 a year for life because of retailer's mistake

A man in the US is set for life after a retailer's blunder led him to win the lotto. Michael Sopejstal, 60, who lives in Illinois, won the Lucky for Life lotto after a retailer at a GoLo gas station accidentally printed a ticket with 10 lines for a single draw. Buying the Lucky for Life ticket has been part of Sopejstal's routine, as he travels from Illinois to Michigan every few weeks to eat at his favourite restaurant, and this time he got lucky. “I checked my ticket one morning and saw that I had won $US25,000 ($A38,000) a year for life,” he told Michigan Lottery officials. “I immediately started thinking about all the things I could do with the money and whether I wanted to take the lump sum or annuity option. “It was an amazing feeling!” Sopejstal chances of winning were one in more than 1.8 million. According to the lottery, Sopejstal recently visited their headquarters to claim his prize. They said he opted for a lump sum payment of $US390,000 ($A590,000) instead of the annual payment. Sopejstal also told them that he plans to use his prize money to travel and save whatever is left. Images: Getty

Money & Banking

Not all beer and pokies: what Australians did with their super when COVID struck

<a href="https://theconversation.com/profiles/nathan-wang-ly-1380895">Nathan Wang-Ly</a>, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a> and <a href="https://theconversation.com/profiles/ben-newell-46">Ben Newell</a>, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a> What happens when people withdraw their retirement savings early? We’ve just found out. During the first year of COVID Australians who faced a 20% decline in their working hours (or turnover for sole traders) or were made unemployed or were on benefits were permitted to take out up to <a href="https://www.ato.gov.au/Individuals/Super/In-detail/Withdrawing-and-using-your-super/COVID-19-early-release-of-super-(closed-31-December-2020)/">A$10,000</a> of their super between April and June 2020, and a further $10,000 between July and December. Five million took up the offer. They withdrew <a href="https://www.apra.gov.au/covid-19-early-release-scheme-issue-36">$36 billion</a>. Most of those surveyed by the Institute of Family Studies said they used the money to cover <a href="https://aifs.gov.au/sites/default/files/publication-documents/2108_6_fias_superannuation_0.pdf">immediate expenses</a>. But definitions of “immediate” can vary. Real time transaction card data appeared to show early withdrawers boosted their spending by an average of <a href="https://www.illion.com.au/buy-now-pay-later-winner-of-stimulus/">$3,000</a> in the fortnight after they got the money. <a href="https://www.stptax.com/emergency-super-withdrawal-spent-on-pokies-beer-and-uber-eats/">One interpretation</a> said they spent the money on “beer, wine, pokies, and takeaway food, rather than mortgages, bills, car debts, and clothes”. In order to get a more complete picture, we obtained access to millions of anonymised transaction records of customers of Australia’s largest bank, the <a href="https://www.sciencedirect.com/science/article/pii/S0313592622001060?via%3Dihub#bfn3">Commonwealth Bank</a>. The data included 1.54 million deposits likely to have been money withdrawn through the scheme including 1.04 million we are fairly confident did. <h2>Who dipped into super?</h2> The data provided by the bank allows us to compare circumstances of withdrawers and non-withdrawers including their age, time with the bank, and banking behaviour before COVID. We find withdrawers tended to be younger and in poorer financial circumstances than non-withdrawers before the pandemic. Six in ten of the withdrawers were under the age of 35, a finding consistent with data reported by the <a href="https://www.abc.net.au/news/2020-05-25/coronavirus-early-access-superannuation-young-people/12282546">Australian Taxation Office</a>. Withdrawers tended to earn less than non-withdrawers, even non-withdrawers of the same age. Only 17% of withdrawers for whom we could identify an income earned more than $60,000 compared with 26% of non-withdrawers. And withdrawers had lower median bank balances ($618 versus $986). For those with credit cards and home loans, withdrawers were about twice as likely to be behind on repayments as non-withdrawers (9.7% versus 5.8% for credit cards, and 8.2% versus 3.4% for home loans). These characteristics suggest that, despite concerns of the scheme being exploited due to the application process <a href="https://www.abc.net.au/news/2020-09-03/-are-people-being-allowed-to-access-their-super-without-scrutiny/12618002">not requiring any documentation</a>, most of those using the scheme genuinely needed the money. <h2>Where did the money go?</h2> Compared to non-withdrawers, those who withdrew increased their spending (on both essential and discretionary items), paid back high-interest debts, boosted their savings, and became less likely to miss debt payments. Withdrawers spent an average of $331 more per month on debit cards in the three months after withdrawal, and $126 per month in the following three months. They spent an extra $117 per month on credit cards during the first three months, which shrank to an extra $13 per month in the following three months. The average withdrawer spent 7% more per month on groceries than the average age and income matched non-withdrawer, 12% more on utilities such as gas and electricity, 16% more on discretionary shopping, and 20% more on “entertainment,” a Commonwealth Bank category that includes gambling. <h2>Less debt, less falling behind</h2> In the three months that followed withdrawing, withdrawers also averaged $437 less credit card debt and $431 less personal loan debt than age and income matched non-withdrawers, differences that shrank to $301 and $351 in the following three months. They also became less likely to fall behind on credit card and personal loan payments, a difference that vanished after three months. Our interpretation is that the scheme achieved its intended purpose: it provided many Australians in need with a financial lifeline and helped buoy them during uncertain and turbulent times. <h2>Lessons learned</h2> At the same time, our <a href="https://www.sciencedirect.com/science/article/pii/S0313592622001060?via%3Dihub#bfn3">findings</a> identify areas of concern. The fact that most withdrawals were for the permitted maximum of $10,000 highlights the need to carefully consider the withdrawal limit. While these sums might simply reflect the true amount of money individuals needed to sustain themselves, it might be that many withdrawers were unsure of how much to <a href="https://cepar.edu.au/sites/default/files/Determinants%20of%20Early%20Access%20to%20Retirement%20Savings_Lessons%20from%20the%20COVID19%20Pandemic_BatemanDobrescuLiuNewellThorp_July21.pdf">withdraw</a> – not knowing how long the pandemic would continue. Another consideration is how to best support withdrawers after they have taken out the money. More than half were under the age of 35, and might find themselves with a good deal less super than they would have in retirement. The government has already introduced <a href="https://www.ato.gov.au/super/apra-regulated-funds/in-detail/apra-resources/re-contribution-of-covid-19-early-release-super-amounts/">tax concessions</a> for withdrawers who contribute funds back into their retirement savings accounts. Super funds might also be able to help, by sending targeted messages to those who have withdrawn.<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/190911/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/nathan-wang-ly-1380895">Nathan Wang-Ly</a>, PhD Student, School of Psychology, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a> and <a href="https://theconversation.com/profiles/ben-newell-46">Ben Newell</a>, Professor of Cognitive Psychology, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</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/not-all-beer-and-pokies-what-australians-did-with-their-super-when-covid-struck-190911">original article</a>.

Money & Banking

Return and Earn is a great way to recycle

When you recycle your eligible bottles and cans through Return and Earn, the material that is used to make the bottles and cans stay in use for as long as possible and are turned into new products, rather than ending up in landfill or polluting waterways. The scheme has already more than halved the number of drink containers littering our parks, waterways, or ending up in landfill compared to before the scheme was launched in December 2017. What happens to containers returned through Return and Earn? Have you ever wondered what happens to the containers once they are returned through the scheme? All containers returned through Return and Earn are recycled. The containers are picked up from the return points and trucked to a sorting facility where the containers are processed depending on the material type. Cans are crushed and baled into a giant cube, glass bottles are crushed into small particles called cullet; and plastic bottles are sorted by type and colour and shredded into smaller flakes before being turned into pellets. <img class="alignnone size-full wp-image-68727" src="https://www.readersdigest.com.au/wp-content/uploads/2023/08/crushed-cans-770.jpg" alt="" width="770" height="500" /> The giant cubes of Aluminium cans are melted, rolled into sheets, and sent to manufacturers to be turned into new cans or other products – some even go to make up aeroplane parts! Glass cullet is melted and mixed with raw materials before being blown into a new glass bottle and sent to drink companies. The plastic pellets are melted down, moulded and blown into new plastic bottles, ready to be bought be retailers. The new bottles and cans made from the recycled materials are filled by the beverage companies, labelled, capped, and ready to be consumed. By using the recycled material from Return and Earn, we save water, energy, and landfill, as well as reducing the carbon emissions that would be used if new raw materials were used instead. This conservation contributes to a more sustainable and efficient economy. Keeping materials in Australia The purity and quality of the material from Return and Earn plays a crucial role in establishing local recycling facilities so most of the key materials stay in Australia. A key milestone was the opening of the Circular Plastics Australia plant in Albury, NSW, in March 2022. This state-of-the-art PET plastic recycling facility is a joint venture between waste industry and beverage industry partners and is the largest of its kind in Australia. The facility reprocesses 100% of the PET (one of the materials that make up plastic containers) collected through the Return and Earn network of over 600 return points and uses the materials to remake new bottles and other food-grade plastic packaging. All glass collected through the Return and Earn network is also being reprocessed in Australia and contributes to the growing demand of locally sourced glass to use in making new bottles and other products. Having facilities in Australia means that the cycle of making a new container from the recycled material is fast. Plastic bottles can be back on the shelf in as little as six weeks and glass bottles in four weeks. Now that’s recycling at its best. <img class="alignnone size-full wp-image-68725" src="https://www.readersdigest.com.au/wp-content/uploads/2023/08/what-happens-when-you-return-and-earn-journey-image_770.jpg" alt="" width="770" height="846" /> Do you recycle? It’s easier than ever to recycle your empty containers through Return and Earn. We have over 600 return points across Australia, and we continue to work with businesses and local councils to identify more sites. Every container counts – recycling is an important way to reduce the load on our natural resources and keep valuable waste on the path to being remade into new products and used again. These small acts can make a big impact. If you’re not interested in returning the containers, consider leaving them out for others in your neighbourhood that are collecting them, or donate them to a charity or community group who is fundraising through the scheme. If you are unable to give them away, place your empty drink containers in your yellow lid recycle bin. For more information about Return and Earn, and to find your nearest return point visit <a href="https://returnandearn.org.au/">returnandearn.org.au</a> Case Study: Sharing the dignity through recycling Semi-retiree Wendy Pluckrose from the far north NSW coast has supported Share the Dignity for years, so when she discovered Return and Earn it seemed an obvious way to raise some extra funds as well as protect the environment. Share the Dignity is a women's charity in Australia, that works to make a real difference in the lives of those experiencing homelessness, fleeing domestic violence, or doing it tough. Wendy has installed bins at home and at local shops and restaurants to collect eligible drink containers. Most days she collects between 100 – 500 containers, and in the last year has raised nearly $3,500 from around 35,000 containers recycled through Return and Earn. “Return and Earn is just free money!” Wendy said. “It’s a little bit of effort, but it makes a big difference.” <img class="alignnone size-full wp-image-68728" src="https://www.readersdigest.com.au/wp-content/uploads/2023/08/share-the-dignity-photo-article-770.jpg" alt="" width="770" height="733" /> With the containers collected so far, not only is the refund going towards buying women’s sanitary products to women experiencing hardships, but it has also contributed to protecting the environment. By recycling 35,000 containers to be remade into new containers rather than using virgin materials, the environmental savings calculated by the <a href="https://returnandearn.org.au/impact-calculator/">Impact Calculator</a> include 206,000 litres of water; 46 gigajoules of energy that equates to six months of energy consumption for a household; and 2,100 kilograms of material entering landfill. The carbon emissions avoided equates to keeping two cars off the road for 18 months. To learn more about Return and Earn, <a href="https://returnandearn.org.au/">head to their website</a>. Images: Return and Earn. This is a sponsored article produced in partnership with Return and Earn.

Retirement Income

Peter Stefanovic and Sylvia Jeffreys list multimillion-dollar home

TV presenter power couple Peter Stefanovic and Sylvia Jeffreys have listed their Double Bay terrace for sale. The couple placed their home on the market for $4.5 million, as they start the search for a bigger and better family home for them and their two sons. The four-bedroom terrace with two-and-a-half bathrooms in Epping Rd is scheduled to go under the hammer on August 22nd with a $4.5m price guide via Oliver Lavers of The Rubinstein Group. Stefanovic, a co-host of First Edition on Sky News Australia, and Jeffreys, co-host of Today Extra on Channel 9, had bought the home on a 186 sqm block for $2.7m in 2016. In their seven years at the home, the couple have made a range of improvements including adding off-street parking, and created an impressive outdoor entertainment area with inbuilt seating and barbecue in the rear courtyard. The impressive property boasts open plan living areas, polished timber floors, marble finishes in the kitchen, and underfloor heating in the bathrooms. Two master-sized bedrooms open to balconies, alongside a third on the upper floor, and a versatile fourth bedroom could serve as an office. The couple met in 2014 when they were both colleagues at Channel Nine - she was working on The Today Show while he was a foreign correspondent for Nine News, and they bumped into each other in the station’s carpark. Two years later in 2016, Stefanovic popped the question in a French vineyard, and they were married the following year in Kangaroo Valley. The couple have two sons - Oscar, who was born in early 2020 and Henry, who arrived a little more than a year later. With their sons growing up and needing more space, the family are looking for a bigger home in Sydney’s eastern suburbs. Image credits: realestate.com.au / Instagram

Real Estate

Returning and Earning for your community

Charities and community groups across NSW are cashing in empty drink containers to support their important work in the community, all with the added benefit of helping the environment. It’s an easy win-win to fundraise through Return and Earn, and it makes donating to a local charity or community group very easy. Return and Earn is the incredibly successful container deposit scheme in NSW, where 10 cents is refunded for every eligible drink container returned for recycling through the network of 600+ return points across the state. Since launching over five years ago, <a href="https://returnandearn.org.au" target="_blank" rel="noopener">Return and Earn</a> has become an important and well used channel for charities and community groups fundraising to support a range of local and broader causes. Groups such as Rotary and Lions Clubs, animal rescue organisations, and fire and rescue services are just a few of the many different cohorts that have partnered with Return and Earn and relied on the generosity of NSW citizens to help them do vital work in their communities. “We’ve seen many groups really embrace the scheme, showing a humbling passion for giving back to the community – whether it’s to help fund an event for a local club, or to donate to a charity,” said Danielle Smalley, CEO of scheme coordinator, Exchange for Change. “Some of these groups have raised a lot of money from recycling drink containers through Return and Earn. Often local residents and businesses are handing over their containers or donating their refunds to support the cause, proving there is enormous goodwill in the community.” The Gerringong Lions Club recently celebrated one million containers collected, raising $100,000 that was donated to a variety of causes including medical research, local sporting facilities, as well as helping both Australian and oversees Lions Clubs provide relief during catastrophes. <img class="alignnone size-full wp-image-67811" src="https://www.readersdigest.com.au/wp-content/uploads/2023/06/Gerringong-Lions-Club-image-2-for-article-2_RD.jpg" alt="" width="770" height="500" /> The Gerringong Lions Club are now raising around $20,000 each year. The COVID shutdowns and restrictions put a halt to the activities that would normally bring funds to the club. Return and Earn was the only means for the club to generate an income to help the community during this time. As routine users of the scheme, the Gerringong Lions Club are now raising around $20,000 each year, all the while making positive impacts to the environment. Bruce Ray is a past president and active member of the club, and says he gets a sense of satisfaction knowing they are helping the community while also looking out for the environment. “We have the bins at the hotel, the bowling club, and campgrounds. The club also provides the container collection bins for events such as weddings and uses them at local New Years’ Eve events,” said Mr Ray. In Cobar, the local Rotary Club is also using Return and Earn to support the work in their community. They partnered with the local Girl Guides who help the club sort through any drink containers collected. They’ve now raised more than $25,000 since they began in early 2020. Club Secretary Gordon Hill said that one of the benefits for the Girl Guides is the real-world experience in seeing how much locally created waste can be recycled. “It also provides a healthy opportunity for a challenge to see which girls can pack the most containers during a 1.5 to 2 hour session. The record currently stands at 3,080, but the challenge continues,” Gordon added. <img class="alignnone size-full wp-image-67813" src="https://www.readersdigest.com.au/wp-content/uploads/2023/06/Cobar-Rotary-Club-image-for-article-2_RD.jpg" alt="" width="770" height="500" /> In Cobar, the local Rotary Club has partnered with the Girl Guides to help with sorting! Since Return and Earn launched in December 2017, over $42 million has been raised through donations and return point hosting fees. The funds have made a significant difference to individuals and groups who have received the support. “There are a lot more collection drives in the community that we don’t track, so the total fundraising amount is in fact even higher,” Ms Smalley said. “We encourage all our Return and Earn users to consider donating containers to a local charity or community group either at the nearest Return and Earn machine or using the Return and Earn app. “And if you’re a member of a group looking for an easy and effective way to fundraise, consider Return and Earn where you can double the benefit by raising funds while also helping the environment.” Every Return and Earn machine features a local donation partner, to whom users can donate part or all of their refunds to. The charity listed changes every six months to give as many groups as possible the opportunity. Charities and groups can also elect to be listed on the Return and Earn app, allowing anyone using the app at a machine or automated depot to donate direct to their favourite charity. There are currently over 170 charities featured on the app. When using a Return and Earn machine, select donate, then select which of the charities listed you want the funds to go. If you’re using the Return and Earn app, simply select donation as your payout option and then select the charity or group you would like to donate your refund to. “Contributions don’t need to be big to make a difference. It can be as easy as collecting a few eligible drink containers and donating them to a charity, helping local communities thrive while looking after the environment.” said Ms Smalley. For more information on donating through Return and Earn visit <a href="https://returnandearn.org.au/donate/" target="_blank" rel="noopener">returnandearn.org.au/donate/</a> Images: Supplied This is a sponsored article produced in partnership with Return and Earn.

Money & Banking

From Corona beer to the coronation, the crown is branding fit for a king

As a fashion statement or piece of art, crowns are distinguished by their beauty, containing rare jewels, precious metals and velvet in deep, rich colours. As a symbol, crowns are associated with majesty, authority and sovereignty. And as the coronation of King Charles III reminds us, the crown is also a superlative brand. Though images of crowns are often used in royal branding, it is rare for monarchs these days to actually wear crowns. In the western monarchical tradition, the British monarchy is an exception, with kings and queens undergoing a crowning ceremony. In the UK the crown encompasses both the monarch and the government, namely King Charles III and His Majesty’s government. The title of the Netflix drama “The Crown” has made this association clear even to international audiences unfamiliar with British constitutional principles. The reign of late Queen Elizabeth II was represented by a stylised image of <a href="https://www.rct.uk/collection/themes/trails/the-crown-jewels/in-detail-st-edwards-crown">St Edward’s Crown</a>. King Charles III’s reign is represented by an image of the <a href="https://www.college-of-arms.gov.uk/news-grants/news/item/205-royal-cypher%E2%80%99">Tudor Crown</a>, which appears in the king’s royal cypher, coat of arms and the <a href="https://www.royal.uk/news-and-activity/2023-04-04/the-coronation-invitation">invitations for the coronation</a>. In time, it will be seen on state documents, military uniforms, passports and post boxes throughout the UK and the 14 realms where he is head of state. For monarchies, the crown is the quintessential monarchical symbol – something my colleagues and I in the field of corporate marketing research have described as <a href="https://link.springer.com/article/10.1057/palgrave.bm.2550031">“the crown as a brand”</a>. Although the European monarchies of Belgium, Denmark, The Netherlands, Luxembourg, Norway, Spain, Sweden and the Vatican, are known as “crowned heads of state”, they forswear coronations and eschew the wearing of crowns. Still, they all use a crown as the marque (or emblem) to represent themselves – see <a href="https://monarchie.lu/en/monarchy/orders-and-coats-arms">Luxembourg</a> and <a href="https://www.kongehuset.dk/en/the-monarchy-in-denmark/the-royal-symbols">Denmark’s</a> coats of arms. <h2>Crowns of the coronation</h2> The coronation of King Charles III will be a veritable festival of crowns, featuring seven crowns in total. The king will be crowned with St Edward’s crown by the Archbishop of Canterbury, and he wears this crown once. But during his exit from Westminster Abbey, he will wear the lighter <a href="https://researchbriefings.files.parliament.uk/documents/CBP-9412/CBP-9412.pdf">Imperial State Crown</a>. Queen Camilla will also be crowned with Queen Mary’s crown. The last queen consort to undergo a coronation was in 1937. Four other crowns will be present during the coronation, worn by the <a href="https://www.college-of-arms.gov.uk/about-us/heralds-officers">kings of arms</a> – senior officers who regulate heraldry (coats of arms) in the UK and participate in major ceremonial occasions. The three kings of arms from England’s College of Arms will wear crowns decorated with acanthus leaves and engraved with the words of Psalm 50, <a href="http://www.medievalist.net/psalmstxt/ps50.htm">Miserere mei Deus secundum magnam misericordiam tuam</a> – “Have mercy on me, O God.” Scotland’s king of arms from the Court of the Lord Lyon will wear a crown which is a facsimile of the <a href="https://exarandorum.com/2023/04/25/crown-of-lord-lyon/">Scottish royal crown</a>. Heraldry can be viewed as an early form of branding. Many UK universities, for example, have a coat of arms as their <a href="https://link.springer.com/article/10.1057/s41262-023-00316-x">visual identity</a>. An eighth crown – the actual Scottish crown and one of the oldest in Europe – will not be at the coronation, but will be presented to the king at a <a href="https://www.heraldscotland.com/news/23473755.king-charles-coronation-special-scottish-service-planned/">special service</a> later in the year. <h2>Crown brands in business</h2> The exclusiveness and majesty associated with royal crowns has meant that many organisations use a crown as their brand name or logo. The phrase “crowning achievement” refers to an excellent accomplishment. Likewise, a crown in branding communicates quality, status, class and reliability. Some iconic brands, such as Twinings Tea, Heinz and Waitrose, benefit from an official royal endorsement, having been awarded a <a href="https://theconversation.com/royal-warrants-are-good-for-business-and-benefit-the-british-monarchy-too-192115">royal warrant</a> by a king or queen, or other senior royal family members. They may use the royal coat of arms as a type of royal brand endorsement. The <a href="https://www.kongehuset.dk/en/organisation-and-contact/the-royal-warrant-and-copyright/">Danish royal warrant</a> entitles an organisation to display “an image of the crown along with the company’s name on signs”. Carlsberg beer is a prominent example of this. Sometimes permission is granted to use the royal crown as a distinct brand marque as per <a href="https://www.logo-designer.co/the-clearing-creates-new-visual-identity-design-for-ascot-horseracing/">Royal Ascot horseracing</a>, or in a coat of arms such as in the former <a href="https://link.springer.com/article/10.1057/s41262-023-00316-x">Royal College of Science and Technology in Glasgow</a>. Of course, while some brands have an official royal endorsement, most organisations with a crown name or logo do not have a direct association with monarchy. Sometimes the crown brand name is used for its cultural associations – see the many British pubs called “The Crown”. Regal branding has taken hold internationally. Among the companies using a crown name are Couronne (Korean handbags), Crown Bank (USA), Crown Class (Royal Jordanian Airways), Royal Crown Derby (English porcelain), Crowne Plaza Hotels (UK), Crown Royal (Canadian Whiskey), Crown Worldwide Distribution Group (Hong Kong) and Krone (South African sparkling wine). Those with a crown logo include Columbia University (USA), Cunard (UK), Dolce & Gabbana (Italy), Hallmark Cards (USA), Moët and Chandon (France), Ritz Carlton Hotels (USA) and Rolex (Switzerland). The Mexican beer brand Corona, which uses both a crown name and logo, is the most valuable beer brand in the world, <a href="https://brandfinance.com/press-releases/18003">worth US$7 billion</a>. Even in a world of republics, it is clear that the crown as a brand not only endures, but flourishes. The crowning of the king and queen will be the zenith of the coronation service. For producers of Corona beer and other brands featuring crowns around the world, the visual and verbal link of crown and monarchy will be, in a way, a reminder to consumers that their products are fit for a king. Image credits: Getty Images This article originally appeared on <a href="https://theconversation.com/from-corona-beer-to-the-coronation-the-crown-is-branding-fit-for-a-king-204409" target="_blank" rel="noopener">The Conversation</a>.

Beauty & Style

Luxury listing offers Jaws as a housemate

An unusual house listing is boasting a unique feature that will make the new homeowner very friendly with some dangerous fishy friends. The home is located in the south Sydney suburb of <a href="https://www.domain.com.au/63-kangaroo-point-road-kangaroo-point-nsw-2224-2018457503" target="_blank" rel="noopener">Kangaroo Point</a>: a waterfront area that boasts extraordinary views of the Shire waters and all its inhabitants. However, the homeowner won't even have to step outside to find the latest sea life, as the home features an enormous shark tank in the middle of the living space. Located right next to the kitchen, the 6 metre-long aquatic vault has taken the concept of home aquariums to the next level, as the 20,000-litre aquarium is the largest private residential set-up in Australia. On the floorplan, a large blue rectangle denotes the incredible inclusion, which glistens in the hallway between the dining room and kitchen and home cinema. The two-bedroom, one bathroom home also features a boat shed and 30 metre jetty out to the Georges River, just in case you wanted to get even closer to the local aquatic residents. The home last sold in March 2021, and is expected to sell this time around for approximately $4 million. Image credits: Domain

Real Estate

The most feel-good way to recycle

Long-time Return and Earner "Scooter Dave" has been a keen participant in the NSW container deposit scheme since the program started, and the Illawarra local has returned 500,000 containers in that time. Dave gets about on a scooter and any day when weather and health permits, he completes his route to collect rubbish from Windang Bridge in Shellharbour. Along the way he picks up eligible drink containers from residents and businesses who keep them in their yards ready for his scooter collection service. He has donated all of the $50,000 in refunds to many charities, including the Smith Family, the Sydney Children’s Hospital, and children’s ward in Wollongong, bushfire appeals and the Illawarra Convoy. “It gives me something to do, and I know that I am doing something to help people," says Scooter Dave. "People always say that there should be more people like me. There are, but they aren’t cleaning up rubbish like I am.” In a world that’s becoming more eco-conscious, we’re seeing more and more initiatives implemented to reduce the impact we’re having on the planet – from the single-use plastic bans to adopting reusable packaging and recycling. Recycling remains one of the best ways to help protect the environment. The benefits of recycling include reducing the amount of rubbish that ends up in landfill or as litter in our local environment, and reducing the need to extract raw materials from the earth to create new products such as mining raw aluminium to create cans. And with <a style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;" href="https://returnandearn.org.au/?utm_source=over-60&utm_medium=article&utm_content=native-article&utm_campaign=grey-partnership" target="_blank" rel="noopener">Return and Earn</a> there are even more direct benefits for you. Return and Earn is one of many drink container return schemes that have been adopted around the world, where customers who return their used eligible drink containers for recycling can collect a refund. “With Return and Earn, you earn a 10c refund for every empty can, glass or plastic bottle, carton, juice box or popper that you return through one of its 600 return points across NSW. “Since the scheme launched five years ago, over 8.6 billion containers have been returned for recycling by the NSW public resulting in over $860 million in container refunds back in people’s pockets,” says Danielle Smalley, CEO of Exchange for Change, scheme coordinator for Return and Earn. The scheme is entirely funded by the beverage industry, aiming to place responsibility for container recycling firmly back with the industry. The scheme targets commonly littered items and includes most 150ml to three litre plastic, glass, aluminium, steel, and liquid paperboard containers. Eligible containers featuring the 10 cent refund mark can be redeemed for the refund. “Return and Earn is an extraordinary example of how individual action can have a collective impact,” says Smalley. The environmental benefits of the scheme have exceeded expectations – reducing the volume of drink container litter by 52 per cent compared to pre-scheme levels and sending over 755,000 tonnes of material to be recycled. Plus the Return and Earn app makes recycling your containers even easier because you can check the map to see where the nearest return points are to your location and make sure they’re open. Another fantastic feature on the app is the container checker which helps you avoid taking containers that are not eligible. Simply scan the barcode on your container and the app tells you if it can be returned for recycling at a return points. If not, they can go straight into your household recycling bin. Choose your recycling experience To return your containers, you can choose from four types of return points, depending on what suits you and what is nearby. There are Return and Earn machines - a self-service option where you return your containers one-at-a time. You’ll receive a receipt which is redeemable for cash at the partner redemption location or payment straight to your bank account by downloading the Return and Earn app. There are also Return and Earn Centres which are larger format indoor locations featuring multiple machines inside. <img src="https://oversixtydev.blob.core.windows.net/media/2023/01/Tomra1.png" alt="Return and Earn" width="741" height="423" /> For larger numbers, heading to your nearest automated depot is your best option. Here staff will take your bags of eligible containers and process them in their automated counting system called a singulator. Once counted, they’ll provide you with your cash refund. Even local businesses are taking part, with some corner stores, newsagents, fruit shops and some Surf Life Saving Clubs able to take your containers and give you your refund. To find your nearest return point, visit <a href="https://returnandearn.org.au/return-points/?utm_source=over-60&utm_medium=article&utm_content=native-article&utm_campaign=grey-partnership" target="_blank" rel="noopener">www.returnandearn.org.au</a>. Top tips for returning and earning When you’re ready to return your first collection of containers, here are some tips to make your experience even easier: <ul> <li>Download the Return and Earn app: use the app store available on your mobile phone. </li> <li>Sort your containers before you go: if you’re using a Return and Earn machine, sort your glass containers from your plastic bottles and cans as these are return using separate chutes on the machine. If you’re using an automated depot or an over-the-counter return point, there’s no need to sort. </li> <li>Check if your containers are eligible: Use the Return and Earn app to check if your containers are eligible for a refund. And make sure they’re uncrushed, with the barcode visible and keep the lid on.</li> <li>Plan your trip: make sure to check opening times of your nearest return point via the Return and Earn app or website. You can even optimise your trip by checking the busiest and quietest times to visit.</li> </ul> With these tips under your belt, you can make the most of your Return and Earn experience and reap the benefits for your wallet and for the environment. <iframe title="YouTube video player" src="https://www.youtube.com/embed/OYDROMQIDbU" width="560" height="315" frameborder="0" allowfullscreen="allowfullscreen"></iframe> For more information, visit <a href="https://returnandearn.org.au/?utm_source=over-60&utm_medium=article&utm_content=native-article&utm_campaign=grey-partnership" target="_blank" rel="noopener">Return and Earn.</a> All images: supplied This is a sponsored article produced in partnership with <a href="https://returnandearn.org.au/?utm_source=over-60&utm_medium=article&utm_content=native-article&utm_campaign=grey-partnership" target="_blank" rel="noopener">Return and Earn</a>.

Retirement Income

Rare Victorian home boasts its own gold mine

“Sitting on a gold mine” is a common expression for property buyers who are excited by the prospect of capital growth. How perfect then that this unique secluded property in a picturesque pocket of Victorian Alpine forest is sitting literally on top of a gold mine! Situated at 7522 Mansfield-Woods Point Road in the town of Gaffneys Creek, the small town is a mining region in the mountains of the Mansfield Shire, which sits at the gateway to the popular Mount Buller ski fields. Aside from the usual details - bedrooms and bathrooms, the listing reveals the cabin is plonked on a gold seam, in a state forest setting with only ten local residents. Activities for the buyer include "digging for gold in back yard mine site (with gold), or within the local gold bearing area", the listing says. "Enjoy your time in this tranquil bush setting. Fishing local creeks and Upper Goulburn River for plentiful trout. 4WD and motorbike tracks abound. Play in the snow a couple of times a year.” The property's gallery includes a hole in the side of a red-dirt slope - the entry to the mine. The cottage is tucked in the forest, serenely quiet and away from civilisation. A journey to Melbourne will take two-and-a-half hours by car. Images: Domain

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