Placeholder Content Image

Give the gift of festive nails any manicure lover will adore

<p dir="ltr">With Christmas right around the corner, many are thinking about the perfect present to give their loved ones. </p> <p dir="ltr">Luckily, for the manicure obsessed friends and family in your life, OPI have released a star-studded range of Christmas gifts for every budget.</p> <p dir="ltr">For those who are extra excited about the countdown to December 25th, and those looking forward to the highly-anticipated film Wicked, you can now get the best of both worlds with the OPI x Wicked advent calendar. </p> <p dir="ltr">Filled with 12 mini nail polishes, countdown this holiday season with a selection of iconic colours at just $74.95, available at <a href="https://www.myer.com.au/b/OPI">Myer</a>, <a href="https://www.davidjones.com/brand/opi">David Jones</a>, <a href="https://www.adorebeauty.com.au/p/opi/opi-x-wicked-nail-lacquer-12pc-mini-advent-calendar-12x375ml.html?istCompanyId=6e5a22db-9648-4be9-b321-72cfbea93443&amp;istFeedId=686e45b5-4634-450f-baaf-c93acecca972&amp;istItemId=qtpatixtt&amp;istBid=t&amp;gad_source=1&amp;gclid=EAIaIQobChMIjJ2-td2eiQMVSA57Bx3FQwV9EAQYASABEgK3mvD_BwE">Adore Beauty</a>, <a href="https://www.lookfantastic.com.au/">Look Fantastic</a>, Amazon, and <a href="https://www.theiconic.com.au/opi/">The Iconic</a>.</p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-permalink="https://www.instagram.com/p/DAZCiuFSNd7/?utm_source=ig_embed&amp;utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/p/DAZCiuFSNd7/?utm_source=ig_embed&amp;utm_campaign=loading" target="_blank" rel="noopener">A post shared by OPI (@opi)</a></p> </div> </blockquote> <p dir="ltr">Nine limited-edition shades in single bottles will also be available at retailers for just $24.95, with something available to suit everyone’s colour needs. </p> <p dir="ltr">For those who aren’t colour inclined, the OPI <a href="https://www.lookfantastic.com.au/opi-treatment-dream-rou-team-gift-set-nail-envy-nail-strengthener-repair-mode-and-nail-and-cuticle-oil-to-go/15608278.html?srsltid=AfmBOoqKhJWip-U5lLYbk2yl1wRIPqQ5PawmJVzo2LX-j4-YPrf0DqD-">Treatment Dream Gift Set</a> will help strengthen and moisturise your mani with the brand’s best-selling treatments at just $74.95.</p> <p dir="ltr">Other OPI gift sets include the <a href="https://www.adorebeauty.com.au/p/opi/opi-infinite-shine-quad-gift-set-4x15ml.html?istCompanyId=6e5a22db-9648-4be9-b321-72cfbea93443&amp;istFeedId=686e45b5-4634-450f-baaf-c93acecca972&amp;istItemId=qtwrppxqp&amp;istBid=t&amp;gad_source=1&amp;gclid=EAIaIQobChMI-4H0xNueiQMVlzd7Bx2A4jW3EAQYASABEgK5BfD_BwE">OPI Infinite Shine Quad Gift S</a>et to discover the new Infinite Shine that locks on for up to 11 days of glossy long-wear, the <a href="https://www.adorebeauty.com.au/p/opi/opi-nature-strong-bon-bon-15ml.html?istCompanyId=6e5a22db-9648-4be9-b321-72cfbea93443&amp;istFeedId=686e45b5-4634-450f-baaf-c93acecca972&amp;istItemId=qtwrppxqm&amp;istBid=t&amp;gad_source=1&amp;gclid=EAIaIQobChMIqqWi2dueiQMVt1oPAh07rxd6EAQYASABEgKJlfD_BwE">OPI Nature Strong Bon Bon</a>, and the OPI x Wicked Infinite Shine <a href="https://www.adorebeauty.com.au/p/opi/opi-x-wicked-infinite-shine-duo-gift-set-2x15ml.html">Duo</a> and <a href="https://www.adorebeauty.com.au/p/opi/opi-x-wicked-infinite-shine-trio-gift-set-3x15ml.html">Trio</a> Gift Sets to give a collection of colours at an affordable price. </p> <p dir="ltr">With a range of colours and nail care treatments available, the OPI Christmas collection has something for everyone to keep your nails sparkling all festive season long.</p> <p dir="ltr"><em>Image credits: Shutterstock </em></p></p>

Beauty & Style

Placeholder Content Image

Surcharges are added to most purchases, but what are the rules behind these extra fees?

<div class="theconversation-article-body"> <p><em><a href="https://theconversation.com/profiles/steve-worthington-138">Steve Worthington</a>, <a href="https://theconversation.com/institutions/swinburne-university-of-technology-767">Swinburne University of Technology</a></em></p> <p>You head to the register at the cafe to pay for your lunch, swipe your card and suddenly realise you’ve been hit with an extra small but unexpected charge.</p> <p>It might be listed on your receipt as a service or merchant fee, but either way it’s because you’ve used a credit or debit card.</p> <p>With the pandemic accelerating the use of cards instead of cash – <a href="https://www.rba.gov.au/publications/bulletin/2023/jun/cash-use-and-attitudes-in-australia.html#:%7E:text=Cash%20payments,-The%20CPS%20suggests&amp;text=In%20value%20terms%2C%20the%20cash,cent%20by%20value%20in%202022.">only 13% of Australians use cash</a>, dropping from 27% in the last five years – these extra charges have become mainstream.</p> <p>However, as was highlighted by National Australia Bank chief executive Andrew Irvine during a <a href="https://www.aph.gov.au/Parliamentary_Business/Committees/Joint/Corporations_and_Financial_Services/FinancialAbuse">parliamentary inquiry</a> into bank charges last week, they are often applied, in varying amounts, by businesses for reasons not always in line with their original purpose.</p> <p>Irvine slammed as <a href="https://www.afr.com/companies/financial-services/credit-card-surcharges-should-be-banned-or-regulated-nab-boss-says-20240830-p5k6jm">“outrageous”</a> a 10% surcharge he was forced to pay when he recently bought a cup of coffee at a Sydney cafe. “I don’t like the lack of transparency and lack of consistency,” he said.</p> <p>But most Australians are making these extra payments every day, without question. So how did this end up happening – and what can you do about it?</p> <h2>Card surcharges in Australia</h2> <p>At the start of this century, payments for goods and services were mainly made by cash, paper cheques, credit and debit cards.</p> <p>The first two of these options would eventually be deposited into a bank account by the merchant who ran the business. The latter two would be processed by the bank or financial institution which would charge the business a merchant service fee.</p> <p>For debit cards this might be a fixed fee. But for credit cards it would be proportionate with the value of the goods or services.</p> <p>The Reserve Bank of Australia became concerned the use of credit cards was greater than that of debit cards and <a href="https://www.rba.gov.au/publications/consultations/201106-review-card-surcharging/background.html">introduced surcharging in January 2003</a>. The intention was to lower the cost to the merchant of accepting debit cards and change customer behaviour.</p> <p>This has been achieved, as both the volume and value of paying by debit cards now exceeds the volume and value of paying by credit cards.</p> <p>However, the reality in 2024 is that card surcharges have become commonplace, and in a wide variety of payment situations.</p> <h2>It’s estimated to cost us billions</h2> <p>It is difficult to calculate the total cost of surcharging to Australian consumers since they became legal more than 20 years ago, because the rates charged vary widely.</p> <p>But at last week’s inquiry, Labor MP Jerome Laxale suggested it added up to <a href="https://www.smh.com.au/money/banking/card-surcharges-are-costing-us-billions-but-can-they-be-avoided-20240830-p5k6o8.html">A$4 billion</a> in the last year.</p> <p>Surcharges can be imposed by small to medium enterprises such as your local cafe, doctor’s surgery, your energy supplier, or when you use a card to pay your council rates.</p> <p>As an example, my rates are payable by card, with a surcharge of 1.10% for Mastercard and Visa credit, and 0.55% for eftpos and Mastercard and Visa debit cards.</p> <h2>When surcharges can be applied</h2> <p>Many merchants charge the same rate for all their card payments and some fail to alert customers to the extra fee before accepting the payment at their terminal, which they are required to do.</p> <p>Indeed, even on a receipt for payment, the surcharge can be described by the merchant as a “handling” or “merchant” fee.</p> <p>The Australian Competition and Consumer Commission <a href="https://www.accc.gov.au/consumers/pricing/card-surcharges">(ACCC)</a> regulates surcharging and demands the merchant prove a surcharge is justified.</p> <p>Furthermore, the ACCC says if there is no way for a consumer to pay without paying a surcharge – that is, they can’t pay by cash or cheque – then the business must include the surcharge in <a href="https://www.accc.gov.au/business/pricing/price-displays#toc-display-of-surcharges">the displayed price</a>.</p> <h2>Penalties for misuse</h2> <p>The ACCC can take merchants to court to enforce these regulations and there have been some examples of this in recent history.</p> <p>In July 2021, <a href="https://www.accc.gov.au/media-release/nine-entertainment-pays-penalties-for-alleged-excessive-payment-surcharges#:%7E:text=The%20ACCC%20alleged%20that%20these,Deputy%20Chair%20Mick%20Keogh%20said.">Nine Entertainment paid penalties totalling $159,840</a>, plus $450,000 redressing customers, for charging subscribers and advertisers excessive surcharges.</p> <p>The ACCC specifies that the surcharge must not be more than it costs the merchant to use that payment type.</p> <p>As guidance to the merchants, it also offers <a href="https://www.accc.gov.au/consumers/pricing/card-surcharges">the average costs for different payment types</a>: eftpos less than 0.5%, Mastercard and Visa Debit 0.5%–1% and Mastercard and Visa credit 1%–1.5%.</p> <p>However, despite the ACCC setting guidelines for the amounts that can be charged, many surcharges are above this guidance and in some cases more than 2.0% for all cards.</p> <p>Some merchants do charge different surcharging rates, depending on the cards they accept, be it eftpos, Mastercard or Visa. In theory, the surcharge rate is meant to be determined by the merchant service fee, which is negotiated between the merchant and their bank.</p> <p>Larger merchants, such as the supermarkets, department stores and energy companies, can negotiate low rates (reportedly as low as one cent a transaction). But smaller merchants with less negotiating clout will have higher service fees.</p> <p>The arrival of new payment players, such as <a href="https://www.forbes.com/advisor/business/software/square-vs-stripe/">Square and Stripe</a>, has offered businesses an alternative banker of card payments, which can then use surcharging as part of their merchant service fees.</p> <h2>Surcharging overseas</h2> <p>The <a href="https://europa.eu/youreurope/business/finance-funding/making-receiving-payments/electronic-cash-payments/index_en.htm">European Union</a> already has a long-standing ban on surcharging, while in the United States, surcharging is illegal in some states.</p> <p>Other countries, including the United Kingdom, have tried surcharging on card payments, only to abandon them as it was rorted by some merchants and became an unnecessary expense for consumers.</p> <p><a href="https://bluenotes.anz.com/posts/2023/07/anz-news-surcharge-steve-worthington-australia#:%7E:text=In%202018%20the%20UK%20Treasury,their%20hard%2Dearned%20money%E2%80%9D.">A statement</a> released by the UK Treasury when it banned the practice in 2018 described surcharges as</p> <blockquote> <p>Hidden charges for paying with a debit or credit card, which will help millions of UK consumers to avoid rip-off fees when spending their hard earned money.</p> </blockquote> <h2>What can you do about it?</h2> <p>Before surcharging was allowed by the Reserve Bank in January 2003, acceptance by merchants of payments was just another cost of doing business. And it seems many consumers have just accepted surcharges as part of their transactions.</p> <p>There are ways to avoid them, the most obvious being to use cash. Using eftpos involves charges, but they are less than those imposed on credit and debit cards.</p> <p>The Reserve Bank is working on implementing a so-called <a href="https://www.rba.gov.au/payments-and-infrastructure/debit-cards/least-cost-routing/#:%7E:text=What%20is%20least%2Dcost%20routing,'merchant%2Dchoice%20routing'.">“least-cost routing”</a> system that defaults to the lowest cost network when processing payments. Unfortunately, this is yet to be widely adopted by businesses.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/237964/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><a href="https://theconversation.com/profiles/steve-worthington-138"><em>Steve Worthington</em></a><em>, Adjunct Professor, <a href="https://theconversation.com/institutions/swinburne-university-of-technology-767">Swinburne University of Technology</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/surcharges-are-added-to-most-purchases-but-what-are-the-rules-behind-these-extra-fees-237964">original article</a>.</em></p> </div>

Money & Banking

Placeholder Content Image

Does free-to-air TV really need gambling ads to survive?

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/andrew-hughes-2728">Andrew Hughes</a>, <a href="https://theconversation.com/institutions/australian-national-university-877">Australian National University</a></em></p> <p>If anything is a sure bet right now, it’s corporate Australia’s willingness to use some variation of the “for society’s good” argument.</p> <p>The most recent example of this is the claim being made, including by federal minister <a href="https://www.theguardian.com/australia-news/article/2024/aug/13/gambling-ad-ban-labor-bill-shorten-tv-media-advertising-revenue">Bill Shorten</a>, that an outright ban on gambling advertising would be disastrous for free-to-air TV.</p> <p>To be clear, Labor still supports new restrictions on gambling advertisements, including hourly caps and bans during kids’ TV and during and around sports broadcasts.</p> <p>But it has rejected the idea of a total ban, prompting a <a href="https://www.smh.com.au/politics/federal/labor-mps-say-total-ban-is-the-only-way-on-gambling-ads-20240812-p5k1q0.html">backlash</a> extending as far as some of its own backbench MPs.</p> <p>Speaking on ABC’s Q&A on Monday night, Shorten said Australia’s free-to-air TV broadcasters were in “diabolical trouble”, with many needing gambling ad revenue “in order just to stay afloat”.</p> <p>“I’m not convinced that complete prohibition works,” he said.</p> <p>So would our commercial TV networks really fall over tomorrow without gambling ad revenue? Or is something else at play?</p> <h2>Who is buying ads in Australia?</h2> <p>Let’s start by building a bigger picture of where advertising spend more broadly comes from in Australia. Global analytics firm Nielsen regularly compiles <a href="https://www.nielsen.com/news-center/2024/top-20-categories-by-ad-spend-for-2023-revealed-in-latest-nielsen-ad-intel-report/#:%7E:text=Retail%20topped%20the%20list%20with,significant%20investment%20of%20%24596m.">top 20</a> lists of both the categories and individual companies spending the most on ads here.</p> <p>In 2023 the top category, retail, accounted for A$2.56 billion in advertising spend. Gambling and gaming, in contrast, represented just $239 million, less than a tenth of this figure.</p> <p>Harvey Norman topped the list of <a href="https://www.nielsen.com/news-center/2024/australias-top-20-highest-spending-advertisers-of-2023-revealed-in-latest-nielsen-ad-intel-report/">individual companies</a> in 2023. The first we see of any gambling brand is Sportsbet, which came in at 16th.</p> <p>For gambling companies, it’s fair to assume the lion’s share of this goes to TV. <a href="https://www.acma.gov.au/publications/2023-10/report/gambling-advertising-australia-placement-and-spending">Research</a> by the Australian Communications and Media Authority (ACMA) found 68% of gambling companies’ ad spend went to free-to-air TV markets.</p> <p>As for the remainder, 9% went to radio, 15% to social media and 8% to other online platforms.</p> <h2>How much is actually getting spent?</h2> <p>But how do we estimate the gambling industry’s total annual advertising spend? There are certainly a lot of numbers getting thrown around.</p> <p>One <a href="https://www.afr.com/companies/media-and-marketing/tv-networks-to-demand-fee-relief-as-40m-wagering-hole-opens-up-20240804-p5jzav">source</a> put it at $300.5 million for 2022.</p> <p>More recently, ACMA published detailed figures for the period between May 2022 and April 2023 which put it at just over <a href="https://www.acma.gov.au/publications/2023-10/report/gambling-advertising-australia-placement-and-spending">$238 million</a>, with $162 million of this going to free-to-air TV networks.</p> <p>But the way advertising is classified – what defines an advertisement – can sometimes differ between agencies. Then there is the <a href="https://www.acma.gov.au/check-if-gambling-operator-legal#register-licensed-gambling">number of brands operating</a>, which is constantly changing.</p> <p>In a market with so many competitors, any new entrant needs to spend big on advertising just to capture enough market share to be viable.</p> <p>This is why I argue that the actual figure for financial year 2023 may be slightly higher than ACMA’s widely quoted figure, accounting for the big ad spend of new entrants that may have fallen outside the time window assessed.</p> <p>Based on average company ad spend as a percentage of revenue and the size of the gambling industry, I estimate it could be higher, in the ballpark of $275 million.</p> <h2>How much is that to the networks?</h2> <p>This exercise is all about putting these figures in context.</p> <p>Channel Seven, for example, brought in <a href="https://www.sevenwestmedia.com.au/assets/Uploads/Final-2023-Annual-Report.pdf">$1.5 billion in revenue in 2023</a>. Even if it had received the gambling industry’s entire ad spend at my higher estimate of $275 million, this would still only account for less than 20% of its annual turnover.</p> <p>If that money all went to TV ads, Channel Seven’s stated 38.5% share of television advertising revenue would put its revenue from the estimated sports betting advertising at about $106 million in this example, around 7% of its total annual revenue.</p> <p>Losing most of that would hurt, but wouldn’t mortally threaten the business.</p> <p>A total ban would most likely be <a href="https://www.abc.net.au/news/2024-08-13/peta-murphy-left-online-gambling-legacy-why-isn-t-labor-adopting/104217328">phased in</a> over a number of years, not enacted overnight.</p> <p>Australia’s free-to-air networks would adapt, restrategise, and find and develop new markets to replace that revenue. Their management teams are far too smart to just shrug their shoulders and take a revenue hit on the corporate chin.</p> <h2>Networks have had plenty of time to adapt</h2> <p>Just a refresher. LinkedIn is now more than 20 years old. Facebook is 20. YouTube is 19. X (formerly known as Twitter) is 18. TikTok is seven.</p> <p>If free-to-air TV’s business model is so glacial it can’t function in the digital age, it probably doesn’t deserve to be operating in the big leagues.</p> <p>Digital is here and has been for a while now. The media industry has borne the brunt of this change, but has also had the most time to adapt to the disruptors, who are now more established oligopolies and duopolies than “cool start-ups” out of Silicon Valley.</p> <p>The argument that we need to protect sports gambling ads to protect the big media brands – has little to no basis. It’s a worn out argument we’ve seen time and time again – <a href="https://theconversation.com/how-the-push-to-end-tobacco-advertising-in-the-1970s-could-be-used-to-curb-gambling-ads-today-200915">big tobacco</a>, I’m looking at you.</p> <p>Protecting the interests of corporate Australia at the cost of society itself is a gamble none of us should be prepared to take.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/236686/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/andrew-hughes-2728">Andrew Hughes</a>, Lecturer, Research School of Management, <a href="https://theconversation.com/institutions/australian-national-university-877">Australian National University</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/does-free-to-air-tv-really-need-gambling-ads-to-survive-236686">original article</a>.</em></p> </div>

Money & Banking

Placeholder Content Image

Want to sleep longer? Adding mini-bursts of exercise to your evening routine can help

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/jennifer-gale-1548741">Jennifer Gale</a>, <a href="https://theconversation.com/institutions/university-of-otago-1304">University of Otago</a> and <a href="https://theconversation.com/profiles/meredith-peddie-1548807">Meredith Peddie</a>, <a href="https://theconversation.com/institutions/university-of-otago-1304">University of Otago</a></em></p> <p>Exercising before bed has <a href="https://www.sciencedirect.com/science/article/pii/S2352721815000157">long been discouraged</a> as the body doesn’t have time to wind down before the lights go out.</p> <p>But <a href="https://bmjopensem.bmj.com/content/10/3/e001774">new research</a> has found breaking up a quiet, sedentary evening of watching television with short bursts of resistance exercise can lead to longer periods of sleep.</p> <p>Adults spend almost one third of the 24-hour day sleeping. But the quality and length of sleep can affect long-term health. Sleeping too little or waking often in the night is associated with an <a href="https://academic.oup.com/sleep/article-lookup/doi/10.5665/sleep.1382">increased risk of heart disease</a> and <a href="https://diabetesjournals.org/care/article/33/2/414/27149/Quantity-and-Quality-of-Sleep-and-Incidence-of">diabetes</a>.</p> <p>Physical activity during the day can help improve sleep. However, <a href="https://www.sciencedirect.com/science/article/pii/S2352721815000157">current recommendations</a> discourage intense exercise before going to bed as it can increase a person’s heart rate and core temperature, which can ultimately disrupt sleep.</p> <h2>Nighttime habits</h2> <p>For many, the longest period of uninterrupted sitting happens at home in the evening. People also usually consume their largest meal during this time (or snack throughout the evening).</p> <p>Insulin (the hormone that helps to remove sugar from the blood stream) tends to be at a lower level in the evening than in the morning.</p> <p>Together these factors promote elevated blood sugar levels, which over the long term can be bad for a person’s health.</p> <p>Our <a href="https://journals.lww.com/acsm-msse/fulltext/2023/08000/breaking_up_evening_sitting_with_resistance.14.aspx">previous research</a> found interrupting evening sitting every 30 minutes with three minutes of resistance exercise reduces the amount of sugar in the bloodstream after eating a meal.</p> <p>But because sleep guidelines currently discourage exercising in the hours before going to sleep, we wanted to know if frequently performing these short bursts of light activity in the evening would affect sleep.</p> <h2>Activity breaks for better sleep</h2> <p>In our latest research, we asked 30 adults to complete two sessions based in a laboratory.</p> <p>During one session the adults sat continuously for a four-hour period while watching streaming services. During the other session, they interrupted sitting by performing three minutes of body-weight resistance exercises (squats, calf raises and hip extensions) every 30 minutes.</p> <p>After these sessions, participants went home to their normal life routines. Their sleep that evening was measured using a wrist monitor.</p> <p>Our research found the quality of sleep (measured by how many times they woke in the night and the length of these awakenings) was the same after the two sessions. But the night after the participants did the exercise “activity breaks” they slept for almost 30 minutes longer.</p> <p>Identifying the biological reasons for the extended sleep in our study requires further research.</p> <p>But regardless of the reason, if activity breaks can extend sleep duration, then getting up and moving at regular intervals in the evening is likely to have clear health benefits.</p> <h2>Time to revisit guidelines</h2> <p>These results add to <a href="https://linkinghub.elsevier.com/retrieve/pii/S1087079221001209">earlier work</a> suggesting current sleep guidelines, which discourage evening exercise before bed, may need to be reviewed.</p> <p>As the activity breaks were performed in a highly controlled laboratory environment, future research should explore how activity breaks performed in real life affect peoples sleep.</p> <p>We selected simple, body-weight exercises to use in this study as they don’t require people to interrupt the show they may be watching, and don’t require a large space or equipment.</p> <p>If people wanted to incorporate activity breaks in their own evening routines, they could probably get the same benefit from other types of exercise. For example, marching on the spot, walking up and down stairs, or even dancing in the living room.</p> <p>The key is to frequently interrupt evening sitting time, with a little bit of whole-body movement at regular intervals.</p> <p>In the long run, performing activity breaks may improve health by improving sleep and post-meal blood sugar levels. The most important thing is to get up frequently and move the body, in a way the works best for a person’s individual household.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/234896/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/jennifer-gale-1548741">Jennifer Gale</a>, PhD candidate, Department of Human Nutrition, <a href="https://theconversation.com/institutions/university-of-otago-1304">University of Otago</a> and <a href="https://theconversation.com/profiles/meredith-peddie-1548807">Meredith Peddie</a>, Senior Lecturer, Department of Human Nutrition, <a href="https://theconversation.com/institutions/university-of-otago-1304">University of Otago</a></em></p> <p><em>Image </em><em>credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/want-to-sleep-longer-adding-mini-bursts-of-exercise-to-your-evening-routine-can-help-new-study-234896">original article</a>.</em></p> </div>

Body

Placeholder Content Image

Andrew "Twiggy" Forrest's major win over scam ads

<p>Andrew "Twiggy" Forrest has had a major win against Facebook owner Meta, with a US court allowing him to continue to sue the platform over fake advertisements using his name. </p> <p>The scam Facebook ads show him promoting fake cryptocurrency and other fraudulent investments.</p> <p>The ruling means that the court will consider whether Meta breached its duty by publishing the advertisements, and whether they operated in a way that facilitated scam ads by using defective screening and review procedures.</p> <p>US District Judge Casey Pitts in San Jose, California, made the decision on Monday, and said that Forrest can try to prove Meta's negligence and whether his name and likeness was misappropriated by Meta, and not just by fraudsters behind the bogus ads.</p> <p>"Dr Forrest claims that Meta profited more from ads that included his likeness than it would have if the ads had not," Pitts wrote.</p> <p>"This is enough to adequately plead that the alleged misappropriation was to Meta's advantage."</p> <p>Forrest said that there were over 1000 ads scam ads using his name that appeared on Facebook in Australia between April and November 2023, leading to millions of dollars in losses for victims.</p> <p>The billionaire reportedly first raised the fraudulent advertisements with Meta back in 2014, but nothing happened, according to the <em>Herald Sun. </em></p> <p>This is the first time a social media company was unable to invoke Section 230 immunity in a US civil case over its advertising business. </p> <p>It's a significant move, as social media companies in the US are usually immune from liability in the US for content posted by third parties. </p> <p>"This is a crucial strategic victory in the battle to hold Facebook accountable," Forrest said.</p> <p>The billionaire is seeking compensatory and punitive damages. </p> <p><em>Image: Dinendra Haria/LNP/ Shutterstock Editorial</em></p>

Legal

Placeholder Content Image

Robert Irwin called “hypocrite” over new TV ad appearance

<p>Robert Irwin has faced some backlash online after appearing in a new TV ad for a classic Aussie snack.  </p> <p>The star appeared alongside G-Flip in an ad for Twisties, where the pair argued over what flavour should be crowned Australia’s official Twistie. </p> <p>In the ad, Robert advocated for Aussies to vote for the chicken flavour, while G-Flip advocated for the cheese flavour. </p> <p>“To my chookstituants. I say chicken is the people’s Twistie. Sure, cheese came first but secondborns were made to perfection, sorry Bindi,” Robert said in the ad. </p> <p>“Chicken has always been the taste of our great southern land.”</p> <p>Robert also posted the TV ad on his Instagram with the caption: “Repping Team Chicken in Twisties great flavour debate was not on my 2024 bingo card! But when Twisties calls, you answer. So let’s bring it home for chicken and prove team cheese wrong!” </p> <p>Unfortunately, it didn't get a good response from fans, with many calling the star a "hypocrite" for advocating a meat-based product despite being an animal activist. </p> <p>“This has really surprised me and I’m a little disappointed! With all the knowledge we have now of the c**p that goes into food like this, and of all people, I never thought I’d see this,” one person wrote.</p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-captioned="" data-instgrm-permalink="https://www.instagram.com/reel/C7itqrcvwC_/?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/C7itqrcvwC_/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by Robert Irwin (@robertirwinphotography)</a></p> </div> </blockquote> <p>“For someone who loves animals it surprises me he’d be for either of these products who abuse and torture living beings,” another added. </p> <p>“Why are pushing for chicken if you are such an animal lover? No animals have to die for cheese," a third said. </p> <p>"How you gonna say you’re a conservationist and then promote a product that is made with chicken fat and milk? Make it make sense bro," a fourth added.</p> <p>Another wondered why Robert wasn't vegan or at least vegetarian saying: "someone who loves and cares about animals like you should care about the animals in the meat industry too." </p> <p>According to Yahoo, Robert was paid an eye-watering $200,000 for appearing in the 48-second clip. </p> <p><em>Images: Instagram</em></p>

TV

Placeholder Content Image

Two lifesaving heart medicines added to the PBS

<p>Two lifesaving heart medicines have been added to the Pharmaceutical Benefits Scheme (PBS).</p> <p>Previous treatments for the two kinds of heart disorder cardiomyopathy, which affect around 4800 Australians, previously cost patients up to $122,000.</p> <p>Now, with the addition of it to the PBS, patients will only have to pay $31.60 per script, or just $7.70 with a concession card.</p> <p>One of the medications added to the list is Tafamadis (also known as Vyndamax), which is used to treat transthyretin amyloid cardiomyopathy - a rare heart disease that can present as shortness of breath and fatigue.</p> <p>The newly listed treatment slows the progression of the disease and prevents the build-up of thickened heart muscles, and is the most expensive medication costing patients around $122,000 for a year of treatment without the government subsidy. </p> <p>Camzyos, the treatment for hypertrophic cardiomyopathy, which affects around 3600 Australians and previously cost around $30,000 per year of treatment, will also be subsidised.</p> <p>"It's vitally important that Australians have ready and affordable access to the latest treatments," Federal Health Minister Mark Butler said.</p> <p>"By listing Vyndamax and Camzyos on the PBS we're giving patients and their doctors new options for treatment at an affordable price.</p> <p>"It's part of the Albanese Government's commitment to keep medicines cheaper for Australians."</p> <p><em>Image: Nine</em></p>

Caring

Placeholder Content Image

Princess Kate filmed in public for the first time since Christmas

<p>The Princess of Wales has been filmed for the first time since Christmas, after her absence sparked wild global <a href="https://www.oversixty.com.au/health/caring/kate-middleton-s-disappearance-sparks-bizarre-conspiracy-theories" target="_blank" rel="noopener">speculation</a> on her whereabouts. </p> <p>Kate Middleton looked happy and relaxed in <a href="https://www.thesun.co.uk/royals/26766840/princess-kate-middleton-shopping-trip-video-william/" target="_blank" rel="noopener">recently published footage </a>of her shopping trip with her husband, Prince William. </p> <p>In footage exclusively obtained by <em>TMZ</em> and <em>The Sun, </em>the royal was filmed dressed comfortably in a hoodie and dark leggings, as she carried her shopping and walked alongside Prince William on their way to the car park. </p> <p>This is the first time the royal has been filmed in public since her <a href="https://www.oversixty.com.au/health/caring/two-senior-royals-undergo-surgery" target="_blank" rel="noopener">"planned abdominal surgery"</a>, aside from two blurry <a href="https://www.oversixty.com.au/finance/legal/kate-middleton-spotted-for-the-first-time-since-surgery" target="_blank" rel="noopener">paparazzi pictures</a> of her in the backseat of a car, and reports that she was spotted <a href="https://www.oversixty.com.au/health/caring/princess-kate-spotted-in-public-amid-wild-speculations" target="_blank" rel="noopener">out with her kids </a>on Saturday morning. </p> <p>Witnesses at Princess Kate's favourite farm shop reportedly said that she looked “happy, relaxed and healthy” as she ventured from her home in Windsor to the nearby store. </p> <p>“Kate was out shopping with William and she looked happy and she looked well," witnesses said at the time. </p> <p>“The kids weren’t with them but it’s such a good sign she was healthy enough to pop down to the shops.”</p> <p>The Princess' whereabouts has been the topic of speculation for weeks, with the Palace having to <a href="https://www.oversixty.com.au/health/caring/palace-responds-to-bizarre-conspiracy-theories-about-kate-s-whereabouts" target="_blank" rel="noopener">speak out</a> against the wild conspiracy theories on social media. </p> <p>Her last public appearance was on December 25 during the royal family’s traditional walk to the Christmas morning service in Sandringham.</p> <p><em>Image: Getty</em></p> <p> </p>

Caring

Placeholder Content Image

Retailer pulls "creepy" and "disturbing" ad for school uniforms

<p>H&M has removed a school uniform ad in Australia after social media users slammed the retailer for sexualising children. </p> <p>The ad, which a few social media users have screenshot before it was removed,  features  two young girls in school uniform looking back at the camera with the caption: "Make those heads turn in H&M's Back to School fashion." </p> <p>Users on X, formerly known as Twitter, slammed the ad calling it it "creepy" and "disturbing", and sharing their own stories about "being ogled" at school. </p> <p>"What is your intention with this sponsored Facebook ad?" Australian writer Melinda Tankard Reist, whose work addresses sexualization and the harms of pornography, shared on X. </p> <p>"Little schoolgirls generally don't want to 'turn heads.' The large numbers I engage with in schools want to be left alone to learn and have fun and not draw unwanted attention to their appearance."</p> <p>"The little girls parents generally prefer heads don't 'turn' when others see their daughters walking to school, on a bus or in class," she continued. </p> <p>"Why would you want to fuel the idea that little girls should draw attention to their looks, bodies and 'style'?"</p> <blockquote class="twitter-tweet"> <p dir="ltr" lang="en"><a href="https://twitter.com/hm?ref_src=twsrc%5Etfw">@hm</a> <a href="https://twitter.com/hmaustralia?ref_src=twsrc%5Etfw">@hmaustralia</a> what is your intention with this sponsored Facebook ad? Little schoolgirls generally don’t want to “turn heads”. The large numbers I engage with in schools want to be left alone to learn and have fun and not draw unwanted attention to their appearance 1/ <a href="https://t.co/DDwv42GeNz">pic.twitter.com/DDwv42GeNz</a></p> <p>— Melinda TankardReist (@MelTankardReist) <a href="https://twitter.com/MelTankardReist/status/1747866459836158415?ref_src=twsrc%5Etfw">January 18, 2024</a></p></blockquote> <p>Another user wrote: "This is really disturbing.</p> <p>"I remember being cat called whilst waiting for the bus in my school uniform. It made me feel unsafe." </p> <p>"Girls go to school to get an education, not to be jeered at by onlookers," they concluded. </p> <p>The Swedish fashion giant has since removed the ad and apologised for the campaign. </p> <p>"We have removed this ad," they told CNN. </p> <p>"We are deeply sorry for the offence this has caused and we are looking into how we present campaigns going forward."</p> <p><em>Images: Getty</em></p>

Legal

Placeholder Content Image

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

<p>Here in Australia, where rubbish collectors are celebrated annually with a frosty brew (or six), a cherished tradition is facing its untimely demise.</p> <p>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.</p> <p>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.</p> <p>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 <span style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;">unclaimed</span><span style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;">.</span></p> <p>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.</p> <p>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."</p> <p>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.</p> <p>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."</p> <p>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.</p> <p>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!</p> <p><em>Images: Facebook</em></p>

Home & Garden

Placeholder Content Image

4 strategies to keep you from overspending this holiday season

<p><em><a href="https://theconversation.com/profiles/johanna-peetz-1494248">Johanna Peetz</a>, <a href="https://theconversation.com/institutions/carleton-university-900">Carleton University</a></em></p> <p>The urge to spend money is present all year round, but during the gift-giving season, the temptation to splurge on loved ones can be particularly strong. For many, the desire to be generous during the holidays clashes with the need to conserve funds for essential expenses.</p> <p>This year, money is tighter than ever, with <a href="https://www150.statcan.gc.ca/n1/daily-quotidien/231121/dq231121a-eng.htm?indid=3665-1&amp;indgeo=0">high prices for groceries, housing and entertainment</a> leaving shoppers with reduced funds as the holiday season descends upon us.</p> <p>A growing number of individuals are feeling the financial squeeze, with 40 per cent of Canadians <a href="https://www.bnnbloomberg.ca/financial-stress-is-impacting-the-mental-health-of-canadians-survey-1.1933491">citing money as their main source of stress</a>. <a href="https://newsroom.bmo.com/2023-11-08-78-Per-Cent-of-Canadians-Plan-to-Cut-Back-on-Holiday-Spending,-but-a-Third-Will-Still-Give-Back-to-Charitable-Causes-BMO-Survey">Seventy-eight per cent of Canadians</a> plan on buying fewer gifts this holiday season and 37 per cent are worried they won’t be able to afford all the items on their holiday shopping lists.</p> <p>Given that <a href="https://doi.org/10.3389/fpsyg.2022.790434">pricier gifts are not necessarily more appreciated by the person receiving the gift</a>, what are some ways shoppers can resist the temptation of appealing, yet expensive, gift options that might strain their finances?</p> <p>As a social psychologist who studies personal spending, I think it is worthwhile to remind ourselves of self-control strategies that can help us manage financial decisions during the holiday season.</p> <h2>Strategies for resisting temptation</h2> <p><a href="https://doi.org/10.1177/1745691615623">Self-control is not just suppressing temptation</a>; it also involves setting yourself up for success by creating situations that make resisting temptations easier.</p> <p><strong>1. Avoid temptations</strong></p> <p>Perhaps the most obvious strategy is to avoid shopping temptations. This may include steering clear of places — both physical and online — that are out of your budget range. While this is easier said than done during gift shopping, it’s an effective way to manage temptations: People who report having an easier time with self-control <a href="https://doi.org/10.1016/j.paid.2014.09.031">tend to avoid rather than resist temptations</a>.</p> <p><strong>2. Make a budget</strong></p> <p>If you haven’t sat down to make a holiday budget yet, it’s never too late to make one. Considering one-quarter of Canadians are <a href="https://globalnews.ca/news/10087745/canadian-holiday-spending-debt/">still paying off last year’s holiday debts</a>, being as fiscally responsible as possible is a wise choice this year.</p> <p>Setting spending limits ahead of time makes your financial goals clear and explicit. When setting budgets for gifts <a href="https://doi.org/10.1093/jcr/ucad011">people tend to spend the entirety of the estimated amount (unlike budgets for personal purchases where they try to come in under the budget)</a>. It’s good to be realistic, rather than optimistic, when setting budgets.</p> <p><strong>3. Implementation intentions</strong></p> <p>Anticipate any potential shopping temptations you are likely to encounter so you can develop strategies to resist them. One effective approach is <a href="https://kops.uni-konstanz.de/server/api/core/bitstreams/14cc2a36-5f01-4dc1-b9ca-f2d0ca0c8930/content">forming intentions</a> about how you will act once you encounter a temptation.</p> <p>For example, you might consider what you will do when you see a gadget your friend would enjoy when you have already bought them something and have reached the limit of your budget. Instead of purchasing it and exceeding your budget, you could write down the gadget for next year’s gift.</p> <p><strong>4. Write a list</strong></p> <p>Finally, thinking ahead to the gifts you plan to buy and writing a shopping list rather than relying on being inspired in the store might help with sticking to a budget. <a href="http://dx.doi.org/10.1007/s11747-019-00670-w">Consumers spend thousands each year on impulse purchases</a>. Writing shopping lists, <a href="https://doi.org/10.1002/cb.1812">even for online shopping</a>, can reduce overall spending and shopping regret.</p> <h2>The best strategy is the one that works</h2> <p>The holidays should be about joy, not financial stress. Maintaining self-control allows you to celebrate without compromising your financial well-being.</p> <p>There are of course many strategies beyond the four strategies listed here that can help create situations where resisting temptations is easier. The most effective strategies for maintaining financial self-control <a href="https://doi.org/10.1016/j.jesp.2021.104189">are the ones you are already using</a>, and the ones <em>you</em> find most effective. If you want to avoid giving in to shopping temptations, take a moment to think about the financial strategies you are already using and think about how you might use them in your holiday shopping.</p> <p>If you haven’t yet found a strategy that works for you, now is a great opportunity for you to try some out and see which ones are effective. Using strategies to manage the cost of holiday spending can prevent gift-giving from becoming a financial stressor in an already stressful time.</p> <p>Finally, while adhering to a budget is important, it shouldn’t be the sole or primary focus during holiday shopping. Keep in mind that the true spirit of the season is spending quality time with loved ones. The joy of the holidays doesn’t come from extravagant gifts, but from shared moments and meaningful connections.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/219380/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><a href="https://theconversation.com/profiles/johanna-peetz-1494248"><em>Johanna Peetz</em></a><em>, Professor in Psychology, <a href="https://theconversation.com/institutions/carleton-university-900">Carleton University</a></em></p> <p><em>Image credits: Getty Images</em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/4-strategies-to-keep-you-from-overspending-this-holiday-season-219380">original article</a>.</em></p>

Money & Banking

Placeholder Content Image

“Home for Christmas”: Jimmy’s happy health update

<p>The holiday season has just become a little brighter for fans of legendary rock star Jimmy Barnes, as he's set to be home in time for Christmas following a <a href="https://www.oversixty.com.au/health/caring/our-jimmy-made-it-barnes-happy-message-from-the-icu" target="_blank" rel="noopener">successful open-heart surgery</a>. The news comes as a delightful update from his devoted wife, Jane Barnes, who shared a heartwarming photo of the smiling musician in the hospital, marking the positive progress in his recovery.</p> <p>"In the spirit of Christmas miracles, on the 6th Day of Christmas, my true love said to me… 'the doctor says I can go home on Friday,'" Jane joyfully captioned the photo. "Jimmy will be home for Christmas, and that's the best present I could ever wish for."</p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-captioned="" data-instgrm-permalink="https://www.instagram.com/p/C1BxwC3BcUO/?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/p/C1BxwC3BcUO/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by Jimmy Barnes (@jimmybarnesofficial)</a></p> </div> </blockquote> <p>The Cold Chisel frontman, aged 67, faced a major health setback when a bacterial infection, battled for two weeks, spread to his heart, leading to the need for open-heart surgery. Despite the challenges, Barnes maintains a positive outlook, labelling the experience as "hugely frustrating" but expressing gratitude that "I know a lot of people are battling even worse things".</p> <p>In a heartfelt statement, Barnes extended his appreciation to the hospital staff for their exceptional care during his recovery. Additionally, he paid a touching tribute to his wife, acknowledging her unwavering support. "As always, I'd be lost without her," he said of the importance of Jane's "around the clock love and care over the last few weeks".</p> <p>Jane, the devoted partner of Barnes for 42 years, has been a beacon of strength and a constant source of updates for concerned fans. Her regular posts from the hospital ward have painted a picture of Barnes' inspiring resilience and the love surrounding him during this challenging time.</p> <p>This isn't the first health hurdle Barnes has faced this year, having battled bacterial pneumonia in November, forcing him to cancel planned performances. The iconic musician's journey to recovery has been closely monitored by his family, with daughter Ella-May Barnes providing updates during last year's holiday period when Barnes underwent <a href="https://www.oversixty.com.au/health/caring/jimmy-barnes-gets-candid-about-surgery" target="_blank" rel="noopener">emergency back and hip surgery</a>.</p> <p>Jimmy's fans far and wide have joined together in celebrating this Christmas miracle, sending warm wishes for a joyful and restful holiday season for the Barnes family.</p> <p><em>Images: Instagram</em></p>

Caring

Placeholder Content Image

Nat Barr and Shirvo announce new hosting gig

<p><em>Sunrise</em> hosts Natalie Barr and Matt Shirvington have announced their new TV hosting gig. </p> <p>The breakfast hosts are moving to prime time, as they prepare to welcome in the Christmas period with the annual <em>Carols in the Domain</em>. </p> <p>Nat and Shirvo will be hosting the festive celebration, which will be broadcast nationally on Channel Seven on Saturday 23rd December from 7:30pm. </p> <p>Barr hosted the event last year, but was joined by Shirvo's predecessor David Koch. </p> <p>In a statement about hosting the Christmas event, Shirvo said he'd watched <em>Carols in the Domain</em> "with my family since I was a boy, so to now be on stage hosting for the first time is quite surreal."</p> <p>He said that music plays an important role in his family Christmas, saying, “My sister, in the last few years and off the back of Covid where you weren’t allowed to sing or do anything together, decided that for the last couple of Christmases we all now have to do karaoke."</p> <p>“It’s not strictly carols, it could quite literally be anything, and we tend to do that after lunch, when everyone’s had a couple of glasses of champagne, and feeling disinhibited — that’s when the karaoke microphone comes out!”</p> <p>Shirvo added that he has attended the annual concert before, and is excited about the on-stage possibilities this year. </p> <p>“I have been to Carols in the past, but never up on stage. So, who knows — anything could happen,” he said.</p> <p>“I could be dressed up, I could be dressed down. I could be doing a singalong — at the end of the day, more than anything, Nat and I are just traffic cops, so we’ll just be throwing to the people that really matter — the performers and the performances.”</p> <p>"It's pure joy and that's why Australians have loved it for so many years. I can't wait," added Barr.</p> <p>Among the onstage talent on show this year are The Wiggles, Dami Im, Lucy Durack, Casey Donovan, Silvia Colloca, and many more. </p> <p><em>Image credits: Instagram </em></p> <p class="mol-para-with-font" style="font-size: 16px; margin: 0px 0px 16px; padding: 0px; min-height: 0px; letter-spacing: -0.16px; font-family: graphik, Arial, sans-serif; font-variant-ligatures: normal; orphans: 2; widows: 2; background-color: #ffffff; text-decoration-thickness: initial;"> </p>

TV

Placeholder Content Image

"You are the problem": Landlord slammed over rent increase just before Christmas

<p>An Australian landlord has been slammed online for deciding to raise the rent on one of her struggling tenants before Christmas. </p> <p>The landlord from WA took to social media to try to defend her decision to slap her tenant, who is a single mother, with a $100 rental increase at the start of the festive season. </p> <p>The woman, who owns four rental properties, explained that the increase comes from the growing market value in the suburb the tenant lives. </p> <p>"I decided to increase the rent by $100 a week for my tenant, who is a single mum with two kids, on the basis a reasonable rental increase would have been an extra $140 a week," she began in the video shared to her X account.</p> <p>"I recognise that she probably couldn't afford that. So I came to the conclusion that $100 would be a very good deal considering the suburb and it would be one of the cheaper rentals on the market."</p> <p>The tenant said that she is unable to afford the steep increase, especially in the weeks before Christmas, and would have to decide between affording her rent and feeding her young children. </p> <p>"So now I'm in a position. Do I subsidise the tenant's rent and cop it out of my own pocket... or do I tell this tenant she can't afford this particular suburb and she should look for somewhere more reasonable," the landlord said.</p> <p>"It's a really tough decision and one that I am not taking on lightly and just further evidence that this housing crisis is really impacting people financially."</p> <p>In the end, she decided to increase the tenant's rent. </p> <p>"I increased the tenant's rent by $100 per week after I did further research. The rent is still $30-$40 per under market value. Now I'm learning you can't mix emotions with business," she said. </p> <p>The landlord has been rinsed online, with many people calling out her callous actions in the festive season, dubbing her as "greedy" and contributing to nation's housing problem. </p> <p>"Jesus, I cannot imagine increasing a rent by $100 a week- that would ruin anyone, let alone a single mum. What are you thinking of? Have some ethics," one person said.</p> <p>"You and the real estate industry are the problem! Hiking the rent based on your real estate greed. If you recognise the social issues why do you add to the problem?" another person added.</p> <p>A third person chimed, "Is this satire? Surely you aren't this much of an awful human being."</p> <p>"I fully understand it's your property - however to increase rent just before Christmas is a little heartless and $100 a week increase is tall during a cost of living crisis," a fourth person said.</p> <p>Others jumped to defend the landlord, claiming owning rental property is a business and not a charity. </p> <p>One person commented, "Take the emotion out of it! It's an investment property not a charity! As harsh as that sounds it's the cost of being successful. But, perhaps leave it until after Christmas though as a goodwill gesture."</p> <p><em>Image credits: X / Instagram </em></p>

Money & Banking

Placeholder Content Image

5 ways to avoid weight gain and save money on food this Christmas

<p><em><a href="https://theconversation.com/profiles/nick-fuller-219993">Nick Fuller</a>, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a></em></p> <p>As Christmas approaches, so does the challenge of healthy eating and maintaining weight-related goals. The season’s many social gatherings can easily tempt us to indulge in calorie-rich food and celebratory drinks. It’s why we typically <a href="https://www.nejm.org/doi/full/10.1056/NEJMc1602012">gain weight</a> over Christmas and then struggle to take it off for the <a href="https://www.sciencedirect.com/science/article/pii/S0031938414001528">remainder of the year</a>.</p> <p>Christmas 2023 is also exacerbating cost-of-living pressures, prompting some to rethink their food choices. Throughout the year, <a href="https://dvh1deh6tagwk.cloudfront.net/finder-au/wp-uploads/2023/03/Cost-of-Living-Report-2023.pdf">71% of Australians</a> – or 14.2 million people – <a href="https://retailworldmagazine.com.au/rising-cost-of-living-forces-aussies-to-change-diets/">adapted</a> their eating behaviour in response to rising costs.</p> <p>Fortunately, there are some simple, science-backed hacks for the festive season to help you celebrate with the food traditions you love without impacting your healthy eating habits, weight, or hip pocket.</p> <h2>1. Fill up on healthy pre-party snacks before heading out</h2> <p>If your festive season is filled with end-of-year parties likely to tempt you to fill up on finger foods and meals high in fat, salt, and sugar and low in nutritional value, have a healthy pre-event snack before you head out.</p> <p><a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC5015032/#sec-a.g.atitle">Research</a> shows carefully selected snack foods can impact satiety (feelings of fullness after eating), potentially reducing the calories you eat later. High-protein, high-fibre snack foods have the strongest effect: because they take longer to digest, our hunger is satisfied for longer.</p> <p>So enjoy a handful of nuts, a tub of yoghurt, or a serving of hummus with veggie sticks before you head out to help keep your healthy eating plan on track.</p> <h2>2. Skip the low-carb drinks and enjoy your favourites in moderation</h2> <p>Despite the marketing promises, low-carb alcoholic drinks <a href="https://onlinelibrary.wiley.com/doi/10.1002/hpja.531">aren’t better for our health or waistlines</a>.</p> <p>Many low-carb options have a similar amount of carbohydrates as regular options but lull us into thinking they’re better, so we drink more. A <a href="https://www.vichealth.vic.gov.au/sites/default/files/K-013_Low-carb-beer_FactSheet_FINAL.pdf">survey</a> found 15% of low-carb beer drinkers drank more beer than they usually would because they believed it was healthier for them.</p> <p>A typical lager or ale will contain less than 1.5 grams of carbohydrate per 100 ml while the “lower-carb” variety can range anywhere from 0.5 grams to 2.0 grams. The calories in drinks come from the alcohol itself, not the carbohydrate content.</p> <p>Next time you go to order, think about the quantity of alcohol you’re drinking rather than the carbs. Make sure you sip lots of water in between drinks to stay hydrated, too.</p> <h2>3. Don’t skimp on healthy food for Christmas Day – it’s actually cheaper</h2> <p>There’s a perception that healthy eating is more expensive. But studies show this is a misconception. A <a href="https://southwesthealthcare.com.au/swh-study-finds-eating-a-healthier-diet-is-actually-cheaper-at-the-checkout/#:%7E:text=A%20recent%20study%20from%20the,does%20not%20meet%20the%20guidelines">recent analysis</a> in Victoria, for example, found following the Australian Dietary Guidelines cost the average family A$156 less a fortnight than the cost of the average diet, which incorporates packaged processed foods and alcohol.</p> <p>So when you’re planning your Christmas Day meal, give the pre-prepared, processed food a miss and swap in healthier ingredients:</p> <ul> <li> <p>swap the heavy, salted ham for leaner and lighter meats such as fresh seafood. Some seafood, such as prawns, is also tipped to be cheaper this year thanks to <a href="https://www.smh.com.au/goodfood/lobsters-up-prawns-stable-a-buying-guide-to-seafood-this-christmas-20231208-p5eq3m.html">favourable weather conditions</a> boosting local supplies</p> </li> <li> <p>for side dishes, opt for fresh salads incorporating seasonal ingredients such as mango, watermelon, peach, cucumber and tomatoes. This will save you money and ensure you’re eating foods when they’re freshest and most flavoursome</p> </li> </ul> <ul> <li> <p>if you’re roasting veggies, use healthier cooking oils like olive as opposed to vegetable oil, and use flavourful herbs instead of salt</p> </li> <li> <p>if there’s an out-of-season vegetable you want to include, look for frozen and canned substitutes. They’re cheaper, and <a href="https://www.sciencedirect.com/science/article/pii/S0889157517300418">just as nutritious</a> and tasty because the produce is usually frozen or canned at its best. Watch the sodium content of canned foods, though, and give them a quick rinse to remove any salty water</p> </li> <li> <p>give store-bought sauces and dressings a miss, making your own from scratch using fresh ingredients.</p> </li> </ul> <h2>4. Plan your Christmas food shop with military precision</h2> <p>Before heading to the supermarket to shop for your Christmas Day meal, create a detailed meal plan and shopping list, and don’t forget to check your pantry and fridge for things you already have.</p> <p><a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC4586574/">Eating beforehand</a> and shopping with a plan in hand means you’ll only buy what you need and <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC8206473/">avoid impulse purchasing</a>.</p> <p>When you’re shopping, price check everything. Comparing the cost per 100 grams is the most effective way to save money and get the best value. Check prices on products sold in different ways and places, too, such as nuts you scoop yourself versus prepacked options.</p> <h2>5. Don’t skip breakfast on Christmas Day</h2> <p>We’ve all been tempted to skip or have a small breakfast on Christmas morning to “save” the calories for later. But this plan will fail when you sit down at lunch hungry and find yourself eating far more calories than you’d “saved” for.</p> <p><a href="https://pubmed.ncbi.nlm.nih.gov/32073608/">Research</a> shows a low-calorie or small breakfast leads to increased feelings of hunger, specifically appetite for sweets, across the course of the day.</p> <p>What you eat for breakfast on Christmas morning is just as important too – choosing the right foods will <a href="https://theconversation.com/im-trying-to-lose-weight-and-eat-healthily-why-do-i-feel-so-hungry-all-the-time-what-can-i-do-about-it-215808">help you manage your appetite</a> and avoid the temptation to overindulge later in the day.</p> <p><a href="https://pubmed.ncbi.nlm.nih.gov/24703415/">Studies</a> show a breakfast containing protein-rich foods, such as eggs, will leave us feeling fuller for longer.</p> <p>So before you head out to the Christmas lunch, have a large, nutritionally balanced breakfast, such as eggs on wholegrain toast with avocado.</p> <p><em>At the Boden Group, Charles Perkins Centre, we are studying the science of obesity and running clinical trials for weight loss. You can <a href="https://redcap.sydney.edu.au/surveys/?s=RKTXPPPHKY">register here</a> to express your interest.</em> <!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/219114/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><a href="https://theconversation.com/profiles/nick-fuller-219993"><em>Nick Fuller</em></a><em>, Charles Perkins Centre Research Program Leader, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a></em></p> <p><em>Image credits: Getty Images </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/5-ways-to-avoid-weight-gain-and-save-money-on-food-this-christmas-219114">original article</a>.</em></p>

Food & Wine

Placeholder Content Image

Tiny ancient Christmas tree sells for thousands

<p>One of the world's first mass-produced Christmas trees has sold at auction for a whopping 56 times higher than its original purchase price. </p> <p>The tree was first bought in 1920 for just six pence, and was snapped up at the auction in England by an anonymous buyer for £3,400, or $6,433 AUD. </p> <p>The tree was described by the auctioneer as “the humblest Christmas tree in the world”, measuring just 79cm in height, boasting 25 branches, 12 berries and six mini candle holders.</p> <p>The tree sits in a small, red-painted wooden base with a simple decorative emblem.</p> <p>The Christmas tree was first bought by the family of eight-year-old Dorothy Grant in 1920, with Dorothy using it as her tree until she passed away at the age of 101. </p> <p>The tree is believed to have been bought from Woolworths, with Grant decorating the tree as a child with cotton wool to mimic snow, given that baubles were considered a luxury at the time.</p> <p>After Grant's passing in 2014, the charming tree was passed down to her daughter Shirley Hall, who was "parting with the tree now to honour her mother's memory and to ensure it survives as a humble reminder of 1920s life". </p> <p>It was expected to sell for between £60 and £80 (between $110 and $150 AUD) but was bought for the astonishing price of £3,411 when it went under the hammer at Hansons auctioneers on Friday.</p> <p>Charles Hanson, the owner of Hansons and a regular guest on the BBC’s <em>Bargain Hunt</em> said, “This is one of the earliest Christmas trees of its type we have seen. The humblest Christmas tree in the world has a new home and we’re delighted for both buyer and seller … I think it’s down to the power of nostalgia. Dorothy’s story resonated with people.”</p> <p>He added, “As simple as it was, Dorothy loved that tree. It became a staple part of family celebrations for decades. The fact that it brought such joy to Dorothy is humbling in itself. It reminds us that extravagance and excess are not required to capture the spirit of Christmas. For Dorothy it was enough to have a tree."</p> <p>“Some of the first artificial Christmas trees utilised machinery which had been designed to manufacture toilet brushes. The waste-not, want-not generations of old are still teaching us an important lesson about valuing the simple things and not replacing objects just for the sake of it."</p> <p><em>Image credits: Hansons Auctioneers</em></p>

Money & Banking

Placeholder Content Image

Christmas drinks anyone? Why alcohol before bedtime leaves you awake at 3am, desperate for sleep

<p><em><a href="https://theconversation.com/profiles/madeline-sprajcer-1315489">Madeline Sprajcer</a>, <a href="https://theconversation.com/institutions/cquniversity-australia-2140">CQUniversity Australia</a>; <a href="https://theconversation.com/profiles/charlotte-gupta-347235">Charlotte Gupta</a>, <a href="https://theconversation.com/institutions/cquniversity-australia-2140">CQUniversity Australia</a>; <a href="https://theconversation.com/profiles/chris-irwin-249481">Chris Irwin</a>, <a href="https://theconversation.com/institutions/griffith-university-828">Griffith University</a>; <a href="https://theconversation.com/profiles/grace-vincent-1484516">Grace Vincent</a>, <a href="https://theconversation.com/institutions/cquniversity-australia-2140">CQUniversity Australia</a>, and <a href="https://theconversation.com/profiles/saman-khalesi-366871">Saman Khalesi</a>, <a href="https://theconversation.com/institutions/cquniversity-australia-2140">CQUniversity Australia</a></em></p> <p>You’ve come home after a long day at work, you have dinner, put the kids to bed, and then you have your usual nightcap before drifting off to sleep. Or, perhaps you’re at the pub for the work Christmas party, and you think you’ll just have one more drink before heading home.</p> <p>That last drink might help you fall asleep easily. But your nightcap can also wreck a good night’s sleep. How could it do both?</p> <p>Here’s what’s going on in your body when you drink alcohol just before bedtime. And if you want to drink at the Christmas party, we have some tips on how to protect your sleep.</p> <h2>What happens to my body when I drink?</h2> <p>Soon after you drink, alcohol enters your bloodstream and travels to your brain.</p> <p><a href="https://onlinelibrary.wiley.com/doi/epdf/10.1111/j.1530-0277.1998.tb03695.x">There</a>, it affects chemical messengers known as neurotransmitters and <a href="https://pubmed.ncbi.nlm.nih.gov/2700603/">slows down communication</a> between nerve cells.</p> <p>Certain <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC4040959/">regions of the brain</a> are particularly vulnerable to the effects of alcohol. When alcohol interacts with cells in these regions, the <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC6826822/">overall effect</a> leads to those characteristic feelings of relaxation, lowered inhibitions, slurred speech, and may induce feelings of drowsiness and lethargy.</p> <p>Alcohol can also have immediate effects on the heart and circulatory system. Blood vessels widen, resulting in a <a href="https://link.springer.com/article/10.1007/s11906-021-01160-7">drop in blood pressure</a>, which can make you feel dizzy or lightheaded.</p> <h2>What happens soon after a nightcap?</h2> <p>Drinking alcohol before sleeping is like flipping a switch. At first, alcohol has a <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC6826822/">sedative effect</a> and you will probably feel <a href="https://pubmed.ncbi.nlm.nih.gov/23347102/">more relaxed</a> and <a href="https://www.nature.com/articles/s41598-020-62227-0#:%7E:text=In%20this%20large%2C%20population%20based,sleep%20(cross%20sectional%20analyses).">drift off easily</a>.</p> <p>At this point, you still have a high level of alcohol in your blood. But don’t be fooled. As your body <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC5821259/">processes the alcohol</a>, and the night goes on, alcohol actually <a href="https://onlinelibrary.wiley.com/doi/abs/10.1111/acer.12621">disrupts your sleep</a>.</p> <h2>And later that night?</h2> <p>As your body processes the alcohol and your blood alcohol level drops, your brain rebounds from the drowsiness you would have felt earlier in the night.</p> <p>This disturbs your sleep, and can wake you up <a href="https://journals.sagepub.com/doi/10.1300/J465v26n01_01">multiple times</a>, particularly in the second half of the night. You may also have vivid and stressful <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC5821259/">dreams</a>.</p> <p>This sleep disruption is mainly to the deep, “rapid eye movement” or REM sleep.</p> <p>This type of sleep plays an important role in regulating your emotions and for your cognitive function. So not getting enough explains why you wake up feeling pretty lousy and groggy.</p> <p>Drinking alcohol before bedtime also tends to mean you <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC2775419/?source=post_page---------------------------">sleep less overall</a>, meaning important rest and recharge time is cut short.</p> <p>There are also <a href="https://pubmed.ncbi.nlm.nih.gov/31234199/">long-term impacts</a> of alcohol on sleep. Moderate and heavy drinkers consistently have <a href="https://academic.oup.com/sleepadvances/article/3/1/zpac023/6632721">poor sleep quality</a> and more <a href="https://www.nature.com/articles/s41598-020-62227-0#:%7E:text=In%20this%20large%2C%20population%20based,sleep%20(cross%20sectional%20analyses).">sleep disturbances</a> over time.</p> <h2>How about the Christmas party then?</h2> <p>If you plan to drink this holiday season, here are some tips to minimise the effect of alcohol on your sleep:</p> <ul> <li> <p><strong>swap every other drink</strong>. Try swapping every second drink for a non-alcoholic drink. The more alcohol you drink, <a href="https://academic.oup.com/sleep/article/44/1/zsaa135/5871424?casa_token=okbJAuf8TXUAAAAA:ye_q-DACToxvj8H3IVaiKrjNkDhHZnl-LKJdds3iteaKyzJFuHUzitlRv45DqxNO-FraDRAlQMV53z8">the more</a> sleep disruption you can expect. Reducing how much you drink in any one sitting can minimise the effect on your sleep</p> </li> <li> <p><strong>avoid drinking alcohol close to bedtime</strong>. If you give your body a chance to process the alcohol before you go to sleep, your sleep will be less disrupted</p> </li> <li> <p><strong>eat while you drink</strong>. Drinking on an empty stomach is going to worsen the effects of alcohol as the alcohol will be absorbed <a href="https://onlinelibrary.wiley.com/doi/pdf/10.1111/j.1467-3010.2006.00588.x?casa_token=TQiCqcbasYAAAAAA:GbEvnTT82aB3_sPfmJLOQXIV3ivjnbZdIoP2_XZBa8IDZ0YLaPxNfE6DMHLgH7obnpA22VDsM4vyGZV4dQ">faster</a>. So try to eat something while you’re drinking</p> </li> <li> <p><strong>ditch the espresso martinis and other caffeinated drinks</strong>. <a href="https://www.sciencedirect.com/science/article/pii/S1087079207000937?casa_token=NJsobF-C-vwAAAAA:opzPjrglPdZTwXEo7rHil5vm0a1K3KmXw9vp0Het-eRHZEWbfRAA40vgicU3Z5kC8x7uEJF39C8">Caffeine</a> can make it hard to get to sleep, and hard to stay asleep</p> </li> <li> <p><strong>be careful if you have sleep apnoea</strong>. People who have sleep apnoea (when their upper airway is repeatedly blocked during sleep) can be even more impacted by drinking alcohol. That’s because alcohol can act as a muscle relaxant, <a href="https://academic.oup.com/sleep/article/5/4/318/2753287">leading to</a> more snoring, and lower oxygen levels in the blood. If you have sleep apnoea, limiting how much alcohol you drink is the best way to avoid these effects</p> </li> <li> <p><strong>drink plenty of water</strong>. Staying hydrated will help you <a href="https://academic.oup.com/sleep/article/42/2/zsy210/5155420">sleep better</a> and will hopefully stave off the worst of tomorrow’s hangover.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/216834/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> </li> </ul> <p><em><a href="https://theconversation.com/profiles/madeline-sprajcer-1315489">Madeline Sprajcer</a>, Lecturer in Psychology, <a href="https://theconversation.com/institutions/cquniversity-australia-2140">CQUniversity Australia</a>; <a href="https://theconversation.com/profiles/charlotte-gupta-347235">Charlotte Gupta</a>, Postdoctoral research fellow, <a href="https://theconversation.com/institutions/cquniversity-australia-2140">CQUniversity Australia</a>; <a href="https://theconversation.com/profiles/chris-irwin-249481">Chris Irwin</a>, Senior Lecturer in Nutrition and Dietetics, School of Health Sciences &amp; Social Work, <a href="https://theconversation.com/institutions/griffith-university-828">Griffith University</a>; <a href="https://theconversation.com/profiles/grace-vincent-1484516">Grace Vincent</a>, Senior Lecturer, Appleton Institute, <a href="https://theconversation.com/institutions/cquniversity-australia-2140">CQUniversity Australia</a>, and <a href="https://theconversation.com/profiles/saman-khalesi-366871">Saman Khalesi</a>, Senior Lecturer and Discipline Lead in Nutrition, School of Health, Medical and Applied Sciences, <a href="https://theconversation.com/institutions/cquniversity-australia-2140">CQUniversity Australia</a></em></p> <p><em>Image credits: Getty Images</em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/christmas-drinks-anyone-why-alcohol-before-bedtime-leaves-you-awake-at-3am-desperate-for-sleep-216834">original article</a>.</em></p>

Body

Placeholder Content Image

Mum left shocked and distraught after Christmas gifts were stolen

<p>A young mum from Melbourne is "fuming" after a pile of Christmas gifts were stolen from her front porch. </p> <p>Mother-of-three Jasmine Yoong captured the young man allegedly taking five presents from her front door, which were due to be picked up by a courier and delivered to her friends. </p> <p>CCTV video captured the man stealing gifts from the front of the home in Melbourne’s west on Wednesday, holding them close to his chest before he threw them into his car and made a break for it.</p> <p>After discovering the footage of her gifts being stolen, Yoong decided to turn to TikTok in an attempt to get her presents back before going to the police. </p> <p>“I was so angry in that moment, I was so ... I was fuming,” she told <a href="https://7news.com.au/news/mum-fuming-after-man-allegedly-steals-christmas-presents-from-melbourne-home-c-12915860" target="_blank" rel="noopener"><em>7News</em></a>.</p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-permalink="https://www.instagram.com/reel/C03juMwJL3b/?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/C03juMwJL3b/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by 7NEWS Melbourne (@7newsmelbourne)</a></p> </div> </blockquote> <p>The 27-year-old mum took to social media to expose the opportunistic crook.</p> <p>“All that hard work for you to come and steal them off my front door when the postman was collecting them, and then he couldn’t collect them. Why? Because you stole them,” she said in the video, which reached more than two million views in one day.</p> <p>“All I want is my five parcels back.”</p> <p>Yoong admitted the idea may “sound stupid” but she hoped the video would find him.</p> <p>“My initial thought was, all right , let me go to the police straightaway,” she said.</p> <p>“I thought, well, what can I do to actually increase my chances of getting it back. I’ve seen TikTok do some pretty crazy things."</p> <p>“I didn’t want to ruin his life if it was just a snap of the moment decision, you know. I wanted to give him a chance to do the right thing, make it right.”</p> <p>Her TikTok video reached a worker at a nearby McDonalds, who said they had seen the man in fast food restaurant just before the presents were stolen. </p> <p>“He was apparently causing a ruckus, disrupting diners,” Yoong said.</p> <p>Yoong contacted her local police to report the theft after the parcels were not returned.</p> <div> <p>Her message to the crook is simple: “Just don’t take from others.”</p> <p>“It’s just a shortcut to steal from others ... everyone needs to work hard to get what they have,” she said.</p> <p><em>Image credits: 7News</em></p> </div>

Legal

Placeholder Content Image

5 ways to make Christmas lunch more ethical this year

<p><em><a href="https://theconversation.com/profiles/rebecca-reynolds-141045">Rebecca Reynolds</a>, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a></em></p> <p>What we eat matters - not just for our health, but for the planet and other living things too.</p> <p>Most of us know meat consumption <a href="https://www.nature.com/articles/s43016-021-00358-x.epdf">contributes to global warming</a> and many of us are aware of animal cruelty and human exploitation in global food supply chains.</p> <p>So what are some ways we can use our “fork power” to make our Christmas lunch more ethical this year?</p> <h2>1. Replace your turkey or ham with a vegetarian dish</h2> <p>Vegetarian options are not boring or tasteless — just look at this <a href="https://annajones.co.uk/recipe/squash-chestnut-roast">festive squash and chestnut roast</a>.</p> <p>A plant-focused diet has strong <a href="https://eatforum.org/eat-lancet-commission/the-planetary-health-diet-and-you/">environmental benefits</a>. Livestock not only <a href="https://theconversation.com/cop28-begins-4-issues-that-will-determine-if-the-un-climate-summit-is-a-success-from-methane-to-money-218869">produce greenhouse gas</a> when they burp, they take up huge amounts of <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC9024616/">land and fresh water</a>.</p> <p>Reducing the number of animal products on your plate also reduces the likelihood you are contributing to the suffering of animals. Even though many countries have <a href="https://www.agriculture.gov.au/agriculture-land/animal/welfare/standards-guidelines">ethical standards</a> for the treatment of farm animals, these are not always followed, and many of the practices considered legal <a href="https://www.abc.net.au/news/rural/2023-03-28/pig-slaughter-methods-defended-by-pork-industry/102153822">still cause pain and suffering to animals</a>.</p> <p>While cutting out all animal products can be difficult, any reduction in consumption makes a difference. For example, consider swapping out the brie on your Christmas platter for hummus this year.</p> <h2>2. Choose ‘good fish’</h2> <p>Many of us don’t realise fish and other seafood is often sourced unsustainably, negatively impacting ocean ecosystems and wildlife. An Australian organisation called GoodFish produces a <a href="https://goodfish.org.au/">Sustainable Seafood Guide</a>, where you can find out how ethical the fish you buy is.</p> <p>Unfortunately, many salmon products are <a href="https://goodfish.org.au/sustainable-seafood-guide/?q=salmon">not as sustainable</a> as companies claim them to be. In comparison, farmed Australian barramundi, Murray cod, prawns, oysters and mussels, and wild-caught Australian Eastern and Western rock lobsters are classified as better choices.</p> <p>Additionally, an international not-for-profit organisation called the <a href="https://www.msc.org/en-au">Marine Stewardship Council</a> has an “MSC blue fish tick label” certification scheme, which endorses products from well-managed and sustainable fisheries. Have a look for MSC-certified frozen crumbed fish in your next shop.</p> <h2>3. Choose at least one organic item, such as your roast potatoes</h2> <p><a href="https://www.fao.org/organicag/oa-faq/oa-faq6/en/">Organic agriculture</a> aims to produce food while establishing an ecological balance to prevent soil infertility or pest problems over the longer term. It strengthens the dynamics and carbon storage of soil, stops freshwater pollution with synthetic fertilisers and pesticides, reduces the use of fossil fuels needed to produce these chemicals, and promotes biodiversity.</p> <p>Yes, organic products are more expensive, but you will hopefully now feel they are worth it (you could also look out for organic produce that is reduced in price during “on special” promotions).</p> <h2>4. Choose Fairtrade chocolate</h2> <p>Of course, humans are heavily involved in the production, packaging and transport of the food we eat every day. Organisations such as <a href="https://fairtradeanz.org/">Fairtrade Australia and New Zealand</a> and <a href="https://www.rainforest-alliance.org/">Rainforest Alliance</a> aim to improve the lives of rural farmers and workers in developing countries – who otherwise might get unfair deals for their produce and work (these organisations also target environmental issues).</p> <p>You can buy Fairtrade- and Rainforest Alliance-certified products in supermarkets (and elsewhere), such as chocolate, coffee, tea – and even ice cream.</p> <p>Similarly, there are companies called <a href="https://bcorporation.com.au/find-b-corps/">B Corps</a>, or Certified B Corporations. These are organisations that also care about social and environmental issues. B Corp food products can also be found in supermarkets (and elsewhere), and include things like peanut butter and seaweed snacks.</p> <h2>5. Make friends with your freezer</h2> <p>When we waste food, we are wasting the energy, land, water and chemicals that were used during the <a href="https://www.un.org/en/climatechange/science/climate-issues/food">long process</a> of getting it into your home.</p> <p>Lots of us worry at Christmas about “having enough food for everyone”, and consequently buy too much. Why not talk through your menu plan with someone else before you go shopping, to check that you are not anxiety-buying to feed 50 people (instead of your extended family of ten).</p> <p>But even with calm planning, you may still have leftover food. If this happens, you can get creative with using leftovers on Boxing Day (OzHarvest has some recipes online, including <a href="https://www.ozharvest.org/use-it-up/tips/">Christmas rockyroad</a>), or you can preserve food to eat at a later date using your cool friend, the freezer.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/218351/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em><a href="https://theconversation.com/profiles/rebecca-reynolds-141045">Rebecca Reynolds</a>, Adjunct lecturer and nutritionist, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a></em></p> <p><em>Image credits: Getty Images</em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/5-ways-to-make-christmas-lunch-more-ethical-this-year-218351">original article</a>.</em></p>

Food & Wine

Placeholder Content Image

"Eviction season": Real estate slammed for callous Christmas email

<p>A real estate agency has been forced to apologise after tenants were sent a callous email about paying their rent on time over the Christmas period. </p> <p>The email, which is believed to be sent by Professionals Taylor Lakes in Melbourne, referred to the festive period as "eviction season", and encouraged renters to make timely payments to ensure "your living arrangements are not jeopardised over this festive period".</p> <p>"Christmas is a fantastic time of year and also a very busy time," the email begins.</p> <p>"Christmas time is also known in property circles as 'eviction season' as so many people choose to use their rental payments for Christmas spending instead of ensuring that their family accommodation remains top priority over this period.</p> <p>"We see so many tenants fall behind in their rent and then get into the position where they are not able to catch up, as this is their biggest financial obligation."</p> <p>The agency said it didn't want to be tasked with the "unfortunate job" of having to remove and evict them from their homes over Christmas. </p> <p>"We find this action very unpleasant for everyone concerned and we all enjoy our Christmas much less because of it," it said.</p> <p>"We urge you to pay careful attention and ensure that throughout December and January, you pay your rent on time, every time!"</p> <p>The email was met with a wave of backlash online, with many calling the message "thoughtless" and "not professional". </p> <p>"This is just appalling," Anti-Poverty Network SA wrote on Facebook.</p> <p>Professionals chief executive Katherine Gonzalez-Cork said the email was brought to her attention on Wednesday morning, and offered an apology to the recipients.</p> <p>"The email was distributed to tenants directly from the Taylors Lakes office and the content was not endorsed by me or the Board of Professionals and does not represent our company's expectations of communication with our property renters," she said.</p> <p><em>Image credits: Getty Images</em></p>

Money & Banking

Our Partners