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How would a switch to nuclear affect electricity prices for households and industry?

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/roger-dargaville-1832">Roger Dargaville</a>, <a href="https://theconversation.com/institutions/monash-university-1065">Monash University</a> Peter Dutton has announced that under a Coalition government, seven nuclear power stations would be built around the country over the next 15 years. Experts have declared nuclear power would be <a href="https://www.abc.net.au/news/2024-06-20/power-prices-wont-fall-with-nuclear/103998172">expensive</a> and <a href="https://www.afr.com/politics/federal/nuclear-to-cost-17b-and-take-until-2040-to-build-csiro-20240521-p5jfaj#:%7E:text=Nuclear%20could%20cost%20up%20to,until%202040%20to%20build%3A%20CSIRO&text=Peter%20Dutton's%20nuclear%20energy%20plans,operational%20until%20at%20least%202040.">slow to build</a>. But what might happen to energy prices if the Coalition were to win government and implement this plan? <h2>How might we estimate the cost of nuclear?</h2> By 2035, 50–60% of the existing coal-fired fleet will very likely <a href="https://aemo.com.au/-/media/files/stakeholder_consultation/consultations/nem-consultations/2023/draft-2024-isp-consultation/draft-2024-isp.pdf">have been retired</a>, including Vales Point B, Gladstone, Yallourn, Bayswater and Eraring – all of which will have passed 50 years old. These five generators contribute just over 10 gigawatts of capacity. It’s probably not a coincidence that the seven nuclear plants proposed by Dutton would also contribute roughly 10 gigawatts in total if built. Neither my team at Monash University nor the Australian Energy Market Operator has run modelling scenarios to delve into the details of what might happen to electricity prices under a high-uptake nuclear scenario such as the one proposed by the Coalition. That said, we can make some broad assumptions based on a metric known as the “levelised cost of electricity”. This value takes into account: <ul> <li> how much it costs to build a particular technology </li> <li> how long it takes to build </li> <li> the cost to operate the plant </li> <li> its lifetime </li> <li> and very importantly, its capacity factor. </li> </ul> Capacity factor is how much electricity a technology produces in real life, compared with its theoretical maximum output. For example, a nuclear power station would likely run at 90–95% of its full capacity. A solar farm, on the other hand, will run at just 20–25% of its maximum, primarily because it’s night for half of the time, and cloudy some of the time. CSIRO recently published its <a href="https://www.csiro.au/en/research/technology-space/energy/gencost">GenCost</a> report, which outlines the current and projected build and operational costs for a range of energy technologies. It reports that large-scale nuclear generated electricity would cost between A$155 and $252 per megawatt-hour, falling to between $136 and $226 per megawatt-hour by 2040. The report bases these costs on recent projects in South Korea, but doesn’t consider some other cases where costs have blown out dramatically. The most obvious case is that of <a href="https://www.edf.fr/en/the-edf-group/dedicated-sections/journalists/all-press-releases/hinkley-point-c-update-1">Hinkley Point C nuclear plant</a> in the United Kingdom. This <a href="https://www.reuters.com/business/energy/edfs-nuclear-project-britain-pushed-back-2029-may-cost-up-34-bln-2024-01-23/">3.2GW</a> plant, which is being built by French company EDF, was recently <a href="https://www.edf.fr/en/the-edf-group/dedicated-sections/journalists/all-press-releases/hinkley-point-c-update-1">reported</a> to be now costing around £34 billion (about A$65 billion). That’s about A$20,000 per kilowatt. CSIRO’s GenCost report assumed a value of $8,655 per kilowatt for nuclear, so the true levelised cost of electricity of nuclear power in Australia may end up being twice as expensive as CSIRO has calculated. <hr /> <iframe id="Aryx7" class="tc-infographic-datawrapper" style="border: none;" src="https://datawrapper.dwcdn.net/Aryx7/4/" width="100%" height="400px" frameborder="0"></iframe> <hr /> <h2>Other factors play a role, too</h2> Another factor not accounted for in the GenCost assumptions is that Australia does not have a nuclear industry. Virtually all the niche expertise would need to be imported. And very large infrastructure projects have a nasty habit of <a href="https://www.cis.org.au/publication/bungles-blowouts-and-boondoggles-why-australias-infrastructure-projects-cost-more-than-they-should/">blowing out in cost</a> – think of Snowy 2.0, Sydney’s light rail project, and the West Gate Tunnel in Victoria. Reasons include higher local wages, regulations and standards plus aversion from lenders to risk that increases cost of capital. These factors would not bode well for nuclear. In CSIRO’s GenCost report, the levelised cost of electricity produced from coal is $100–200 per megawatt-hour, and for gas it’s $120–160 per megawatt-hour. Solar and wind energy work out to be approximately $60 and $90 per megawatt-hour, respectively. But it’s not a fair comparison, as wind and solar are not “dispatchable” but are dependent on the availability of the resource. When you combine the cost of a mix of wind and solar energy and storage, along with the cost of getting the renewable energy into the grid, renewables end up costing $100–120 per megawatt-hour, similar to coal. If we were to have a nuclear-based system (supplemented by gas to meet the higher demands in the mornings and evenings), the costs would likely be much higher – potentially as much as three to four times if cost blowouts similar to Hinkley Point C were to occur (assuming costs were passed on to electricity consumers. Otherwise, taxpayers in general would bear the burden. Either way, it’s more or less the same people). <h2>But what about the impact on your household energy bill?</h2> Well, here the news is marginally better. Typical retail tariffs are 25-30 cents per kilowatt-hour, which is $250–300 per megawatt-hour. The largest component of your energy bill is not the cost of generation of the electricity; rather, it’s the cost of getting the power from the power stations to your home or business. In very approximate terms, this is made up of the market average costs of generation, transmission and distribution, as well as retailer margin and other minor costs. The transmission and distribution costs will not be significantly different under the nuclear scenario compared with the current system. And the additional transmission costs associated with the more distributed nature of renewables (meaning these renewable projects are all over the country) is included in the estimate. According to my back-of-the-envelope calculations, your retail tariff under the nuclear scenario could be 40–50c per kilowatt-hour. But if you are a large energy consumer such as an aluminium smelter, you pay considerably less per kilowatt-hour as you don’t incur the same network or retailer costs (but the cost of generating electricity in the first place makes up a much bigger proportion of the total cost). So if the cost of electricity generation soars, this hypothetical aluminium smelter’s energy costs will soar too. This would be a severe cost burden on Australian industry that has traditionally relied on cheap electricity (although it’s been a while since electricity could be described as cheap). <h2>A likely increase in energy costs</h2> In summary, in a free market, it is very unlikely nuclear could be competitive. But if a future Coalition government were to bring nuclear into the mix, energy costs for residential and especially industrial customers would very likely increase.<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/232913/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/roger-dargaville-1832">Roger Dargaville</a>, Director Monash Energy Institute, <a href="https://theconversation.com/institutions/monash-university-1065">Monash University</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/how-would-a-switch-to-nuclear-affect-electricity-prices-for-households-and-industry-232913">original article</a>. </div>

Money & Banking

Mum's list of chores for babysitter divides internet

An American mum and schoolteacher has divided social media after she shared a list of chores that her 17-year-old babysitter could do for extra cash. Katrina Ivan hired a former student, who is now a senior in high school, to babysit her two-year-old son. The busy mum, who had been struggling to maintain her home, left an optional list of chores the babysitter could do for some extra cash. “You are more than welcome to hang out and watch TV but if you want to earn some extra cash these are up for grabs,” the note read. She claimed that her son was already asleep when the babysitter arrived at 7:30pm and she would be looking after him until 11:30pm. The babysitter was being paid $115.45 for the four hours of work. The extra chores included organising the kitchen island, which would earn the student $15, as would cleaning the windows and mirrors in the house and sweeping and mopping the kitchen floor. Cleaning out the fridge would earn the her $23, while vacuuming the couch would earn her $4. A few other optional chores included re-organising the toys, organising the kitchen island, and re-organising the silverware, which were all chores that would earn the student $15. The babysitter earned an extra $92 for the chores she chose, and a few social media users have said that this was a great idea. “I wish they did this when I was a babysitter. Would have loved the opportunity to earn extra," one wrote. “This is a great idea!! Sometimes it’s boring to just to sit and watch TV, this makes time go by quicker and sometimes it’s things I would do to help," another said. “I think since it’s optional or not you can give whatever amounts. It’s still the babysitters choice whether to do it or not,” a third added. However a few others weren't as impressed. “Those are 1990 prices,” one social media user wrote. “$23 for the fridge that’s wild," another added. “I think if you mention it ahead of time ‘oh I left a chore list if you’re interested in any of them it’s extra cash for you!’ Because if I just arrived to this note I might be a little uncomfortable,” a third said. Images: TikTok

Family & Pets

Stage 3 stacks up: the rejigged tax cuts help fight bracket creep and boost middle and upper-middle households

<a href="https://theconversation.com/profiles/ben-phillips-98866">Ben Phillips</a>, <a href="https://theconversation.com/institutions/australian-national-university-877">Australian National University</a> The winners and losers from the Albanese government’s <a href="https://treasury.gov.au/sites/default/files/2024-01/tax-cuts-government-fact-sheet.pdf">rejig</a> of this year’s Stage 3 tax cuts have already been well documented. From July 1 every taxpayer will get a tax cut. Most, the 11 million taxpayers earning up to A$146,486, will also pay less tax than they would have under the earlier version of Stage 3, some getting a tax cut <a href="https://theconversation.com/albanese-tax-plan-will-give-average-earner-1500-tax-cut-more-than-double-morrisons-stage-3-221875">twice as big</a>. A much smaller number, 1.8 million, will get a smaller tax cut than they would have under the original scheme, although their cuts will still be big. The highest earners will get cuts of $4,529 instead of $9,075. But many of us live in households where income is shared and many households don’t pay tax because the people in them don’t earn enough or are on benefits. The Australian National University’s <a href="https://csrm.cass.anu.edu.au/research/policymod">PolicyMod</a> model is able to work out the impacts at the household level, including the impact on households in which members are on benefits or don’t earn enough to pay tax. <h2>More winners than losers in every broad income group</h2> We’ve divided Australian households into five equal-size groups ranked by income, from lowest to lower-middle to middle to upper-middle to high. Our modelling finds that, just as is the case for individuals, many more households will be better off with the changes to Stage 3 than would have been better off with Stage 3 as it was, although the difference isn’t as extreme. Overall, 58% of households will be better off with the reworked Stage 3 than they would have under the original and 11% will be worse off. Importantly, there remain 31% who will be neither better off nor worse off, because they don’t pay personal income tax. <hr /> <iframe id="0CWXE" class="tc-infographic-datawrapper" style="border: none;" src="https://datawrapper.dwcdn.net/0CWXE/4/" width="100%" height="400px" frameborder="0"></iframe> <hr /> But it is different for different types of households. In the lowest-earning fifth of households, far more are better off (13.5%) than worse off (0.2%) with the overwhelming bulk neither better nor worse off (86.3%). <hr /> <iframe id="KC5zy" class="tc-infographic-datawrapper" style="border: none;" src="https://datawrapper.dwcdn.net/KC5zy/3/" width="100%" height="400px" frameborder="0"></iframe> <hr /> In the highest-earning fifth of households, while more than half are better off (54.4%), a very substantial proportion are worse off (42.3%). Very few (only 3.1%) are neither better nor worse off. <hr /> <iframe id="WSkSL" class="tc-infographic-datawrapper" style="border: none;" src="https://datawrapper.dwcdn.net/WSkSL/3/" width="100%" height="400px" frameborder="0"></iframe> <hr /> <h2>But high-earning households go backwards on average</h2> In dollar terms, the top-earning fifth of households loses money while every group gains. That’s because although there are more winners than losers among the highest-earning fifth of households, the losers lose more money. The biggest dollar gains go to middle and upper-middle income households with middle-income households ahead, on average, by $988 per year and upper-middle income households by $1,102. The highest-income households are worse off by an average of $837 per year. As a percentage of income, middle-income households gain the most with a 1% increase in disposable income. Lowest income households gain very little, while the highest-income households go backwards by 0.3%. <hr /> <iframe id="kAPmC" class="tc-infographic-datawrapper" style="border: none;" src="https://datawrapper.dwcdn.net/kAPmC/3/" width="100%" height="400px" frameborder="0"></iframe> <hr /> <h2>The rejig does a better job of fighting bracket creep</h2> And we’ve found something else. The original version of the Stage 3 tax cuts was advertised as a measure to overcome <a href="https://theconversation.com/the-2-main-arguments-against-redesigning-the-stage-3-tax-cuts-are-wrong-heres-why-221975">bracket creep</a>, which is what happens when a greater proportion of taxpayers’ income gets pushed into higher tax brackets as incomes climb. We have found it wouldn’t have done it for most of the income groups, leaving all but the highest-earning group paying more tax after the change in mid-2024 than it used to in 2018. The rejigged version of Stage 3 should compensate for bracket creep better, leaving the top two groups paying less than they did in 2018 and compensating the bottom three better than the original Stage 3. <hr /> <iframe id="YG0cT" class="tc-infographic-datawrapper" style="border: none;" src="https://datawrapper.dwcdn.net/YG0cT/1/" width="100%" height="400px" frameborder="0"></iframe> <hr /> Not too much should be made of the increase in tax rates in the lowest income group between 2018 ad 2024 because some of it reflects stronger income growth. We find that overall, the redesigned Stage 3 does a better job of offsetting bracket creep than the original. It is also better targeted to middle and upper-middle income households. Having said that, the average benefit in dollar terms isn’t big. At about $1,000 per year for middle and upper-middle income households and costing the budget about what the original Stage 3 tax cuts would have cost, its inflationary impact compared to the original looks modest.<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/221851/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/ben-phillips-98866">Ben Phillips</a>, Associate Professor, Centre for Social Research and Methods, Director, Centre for Economic Policy Research (CEPR), <a href="https://theconversation.com/institutions/australian-national-university-877">Australian National University</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/stage-3-stacks-up-the-rejigged-tax-cuts-help-fight-bracket-creep-and-boost-middle-and-upper-middle-households-221851">original article</a>.

Money & Banking

15 hacks that make running errands so much better

Run errands during the week More than 90 per cent of people do errands on the weekends, meaning shops will be packed and traffic will be a nightmare. Running errands on a weeknight will get you in and out in half the time. Once the kids are in bed, have one parent stay home while the other drives to the shops. You’ll miss the crowds and keep your weekend free for fun and family. Turn on a podcast Radio music – and its deejays and commercials – can get intense. Switch off the FM and plug in your phone so you can listen to a podcast or audiobook. You’ll be more relaxed, and the time will fly as you get engrossed in the story. Make the most of your time Never run out for just one task. Save time, petrol, and stress by getting more than one thing done when you’re out of the house. After dropping your child off at soccer practice, drop off your dry cleaning or pick up the milk from the supermarket. Set up an errand centre in your home Keeping all the objects you’ll need to complete your errands – packages to be mailed, dry cleaning to be delivered, library books to be returned – in one place will make it easy to get out the door when you get the chance. Designate a space by the door or in your car as a visual reminder of what needs to get done. Buy in bulk Picking up big batches of items like toilet paper, dog food, and tampons means fewer trips to the supermarket and less time running errands. Plus, you save money by buying bulk packages or stocking up while the items are on sale. Use long lines for "me time" Instead of griping about how long your wait to the cash register is, think of it as a few peaceful moments to yourself. Close your eyes (don’t be self-conscious!) and imagine yourself sitting on a quiet beach or getting a massage. Take several deep breaths while you mentally escape to that place. You’ll be much more relaxed, and you can wait in line with less frustration. Practice mindfulness Performing a ‘walking meditation’ while you shop will keep you engaged with your task instead of letting your mind wander to other stressors. By the end of your trip, you’ll have more energy and less frustration. Pay attention to the bright colours of the produce, the scents wafting from the bakery, and the feeling of each step you take. Do someone else's errands If you have an elderly neighbour or know a mother with young kids, offer to add some of their tasks to your to-do list. Studies have shown that helping others can reduce stress. Tune out Instead of drowning out your thoughts with music, keep the radio off when you’re driving and allow your own thoughts to come to you. The stimuli of everyday life can be overwhelming, so this is your chance to recharge your energy in the silence. Keep a grocery list on your phone You probably buy the same things on most of your grocery runs. Instead of writing a new list every week, keep an ongoing list on your phone, which makes it easy to add and remove items. Organise your list in the order you’ll find them at the supermarket. For instance, if you start near the produce section, write the fruits and vegetables first. Reward yourself To keep yourself motivated while you’re out, add a little luxury to your shopping list. Treat yourself with nice bath soap, a bouquet of flowers, or your favourite craft beer. Keep an ongoing errands list Write down your usual tasks, along with the ones you keep forgetting to do, like buying socks for your child or making a vet appointment for the dog, in a notepad. Carry it with you so you don’t miss anything when you’re out. When you’re home, stash it where the rest of your family can access it and jot down their needs. Buy online as much as possible The possibilities are endless: order groceries, buy stamps, cash checks, and renew library books online. Giving your credit card number over a secured server is safer than stating your number over the phone, and sometimes safer than handing your card over at a store. Alternate tasks with your neighbours Make a deal with your neighbours in which you do the grocery shopping one week, and they take care of it the next. You can watch each other’s kids when it’s your turn to stay home, and both of you will make fewer trips to the supermarket. Or plan to go grocery shopping with a friend. You’ll have more fun with the social support, and your kids might behave better with someone else present. Have dad run errands with the kids Kids who cook, clean, and run errands with their dads have more friends and are better behaved, according to a University of California study. Make sure your partner (or you, if you’re a dad) takes the kids along every now and then. As a bonus, wives of men who do chores with their kids find their husbands more attractive. Image credits: Getty Images This article originally appeared on <a href="https://www.readersdigest.com.au/culture/15-hacks-that-make-running-errands-so-much-better?pages=1" target="_blank" rel="noopener">Reader's Digest</a>.

Money & Banking

How household gas leaks affect your home in Adelaide

<span style="font-size: 11pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">If you're an Adelaide local, you'll know the city is as notorious for its hot summers as it is for its icy winters. One common necessity across all seasons is the reliance on gas. Be it for the central heating in winter or that gas oven whipping up a delightful roast, we can't really do without it. However, any discussion about gas and electricity supply here would be incomplete without addressing household gas leaks in Adelaide. <span style="font-size: 17pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">The Silent Stalker: Gas Leaks <span style="font-size: 11pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">Often undetected and woefully underestimated, gas leaks can become a real concern if not addressed promptly. The main culprit in residential settings usually boils down to faulty gas appliances. An incorrectly installed gas appliance or ageing unit can develop leaks over time, silently emitting gas into your living space. <span style="font-size: 17pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">Signs of a Gas Leak <span style="font-size: 11pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">So, what are the <a style="text-decoration: none;" href="https://cyberairconditioning.com.au/blog/what-do-gas-leaks-smell-like/"><span style="font-size: 11pt; font-family: Arial,sans-serif; color: #1155cc; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: underline; -webkit-text-decoration-skip: none; text-decoration-skip-ink: none; vertical-align: baseline; white-space: pre-wrap;">indicators of a gas leak</a><span style="font-size: 11pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">? In the absence of an instinctive warning, we might unknowingly be dealing with a perilous scenario right at our fingertips. Luckily, nature offers us a clear heads-up: our sense of smell. Indeed, that rotten-egg-like aroma you sniff is likely due to the addition of a chemical called Mercaptan to your natural gas supply, which serves as a leak alert. Thus, if your nose detects something unpleasant in the air, it's a credible signal that a gas leak is present. <img src="https://oversixtydev.blob.core.windows.net/media/2023/12/GasLeaks02.jpg" alt="" width="1280" height="720" /> <span style="font-size: 11pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">Apart from the smell, other signs include a higher-than-usual gas bill, dead patches on your lawn, or the persistent sound of a hissing near gas lines. <span style="font-size: 11pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">So what do you do if you suspect a gas leak? Well, common sense and caution are your top mates here. <span style="font-size: 17pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">When a Gas Leak Occurs <span style="font-size: 11pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">Start by making sure you're not creating an ignition source. This means avoiding lighting matches or using a cigarette lighter inside your home. Similarly, don't operate electrical equipment close to the suspected leak area. <span style="font-size: 11pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">Ensuring good air circulation is paramount in such situations, so swing open your doors and windows to facilitate the diffusion of the gas. If the odour is overpowering, promptly guide your loved ones and pets to a secure location outdoors. <img src="https://oversixtydev.blob.core.windows.net/media/2023/12/GasLeaks03.jpg" alt="" width="1280" height="720" /> <span style="font-size: 11pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">Once you're in a safe position, immediately dial emergency services. And remember, attending to a gas leak isn't a task you just anyone can do. <span style="font-size: 17pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">What Happens If a Gas Leak Goes Unnoticed <span style="font-size: 11pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">A frequently unobserved gas leak can pose significant dangers in your home. While it's crucial to heed the signs, smell gas, and call in professional help, it's also vital to understand what can happen if a gas leak goes unnoticed. As Adelaide homeowners, it's our responsibility to remain well-informed on the consequences of an ignored gas leak and be prepared to take swift action. <span style="font-size: 13pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">Health Hazards <span style="font-size: 11pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">The primary danger of an unnoticed gas leak is its potential health impacts. Being exposed to leaking gas—from devices like stoves, heaters, or your gas water heater—can induce an array of symptoms, including <a href="https://www.oversixty.com.au/health/body/6-ways-to-combat-headaches-without-painkillers" target="_blank" rel="noopener">headaches</a>, dizziness, nausea, and weariness. These minor symptoms could potentially worsen to more critical health conditions, such as breathing difficulties, memory impairment, and in severe situations, unconsciousness. <span style="font-size: 11pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">Furthermore, carbon monoxide, an invisible and odourless hazardous gas that occurs from malfunctioning gas or electrical appliances, can lead to carbon monoxide poisoning. This condition can display symptoms resembling flu but can escalate to chronic neurological impairment or even prove fatal in the long run. <span style="font-size: 13pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">Fire or Explosion Risk <span style="font-size: 11pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">A more immediate danger of an unnoticed gas leak is the potential for a fire or explosion. When the concentration of leaked gas in the air reaches a threshold level, even the smallest spark or open flame can ignite it. This might result from someone lighting a match or a cigarette lighter or inadvertently switching on an electrical device near the gas leak source. <span style="font-size: 11pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">Consequently, the ignited gas can cause a destructive fire or explosion, leading to significant property damage, serious injuries, or fatalities. <span style="font-size: 13pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">Environmental Impact <span style="font-size: 11pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">Say, for example, your outdoor gas metre is damaged or the gas pipes buried in your garden develop leaks. The escaped gas can cause harm to your plants and lawn, creating dead patches of grass, discoloured vegetation, or stunted growth. Furthermore, prolonged leaking of natural gas can contribute to greenhouse gas emissions, aggravating the issues of air pollution and climate change. <span style="font-size: 17pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">Call in the Experts: Licensed Gas Fitter <span style="font-size: 11pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">When it comes to gas leaks, it's critical not to mess with things you're not licensed to handle. In Adelaide, turn to a licensed gas fitter for gas leak repairs. Your gas fitter is trained in gas leak detection and repair gas leaks to ensure the safety of your home. <img src="https://oversixtydev.blob.core.windows.net/media/2023/12/GasLeaks04.jpg" alt="" width="1280" height="720" /> <span style="font-size: 11pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">Further, regular inspections and proper installation of gas appliances can prevent gas leaks in the first place. If you've been regularly revamping your home with advanced gas installations and didn't already know this, well, you've been living under a rock, mate. <span style="font-size: 11pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">Proactive steps in your gas supply system, like the installation of carbon monoxide detectors and reviewing your gas metre's location, can help identify potential leaks and prevent dangerous carbon monoxide poisoning, exhibiting your perfect gumption. <span style="font-size: 17pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">Wrapping Up <span style="font-size: 11pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">As part of the Adelaide community, it's essential to be aware of the potential hazards that household gas leaks can introduce into our homes. A gas leak can spell disaster, from health risks to damage to our property. Being alert for the signs and knowing when to call in the professionals is our best defence against these leaks. <span style="font-size: 11pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">Secure your home from gas leaks with trusted <a style="text-decoration: none;" href="https://cyberairconditioning.com.au/locations/sa/air-conditioning-adelaide/"><span style="font-size: 11pt; font-family: Arial,sans-serif; color: #1155cc; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: underline; -webkit-text-decoration-skip: none; text-decoration-skip-ink: none; vertical-align: baseline; white-space: pre-wrap;">Air Conditioning Services in Adelaide</a><span style="font-size: 11pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">. Remember, it's always better to have a professional tend to leaks or complications with your plumbing gas system, rather than trying to be a hero and tackling it yourself. Prevent gas leaks, save lives, Adelaide! Images: Supplied. This is a sponsored article produced in partnership with Cyber Air Conditioning.

Home & Garden

Unlocking the wealth in your home for a better retirement

In an era where the cost of living continues to rise, Australian retirees are facing unique financial challenges. Many find themselves in a situation where the bulk of their wealth is tied up in their family homes, leaving them with limited options to fund their retirement comfortably. That’s where <a href="https://householdcapital.com.au/" target="_blank" rel="noopener">Household Capital</a> steps in. As a specialist retirement funding provider, Household Capital offers a solution that empowers retirees to make the most of their home’s value. Through a helpful and enlightening Q&A session with Household Capital, we explore how their innovative approach allows retirees aged 60 and above to access their home wealth responsibly, providing flexible options such as regular income streams, lump sum payments, and even assistance for those still paying off mortgages! Whether you're looking to beat the cost-of-living crisis, help your children enter the property market, or simply secure a more comfortable retirement, Household Capital offers a pathway to a brighter financial future. Here’s how: <h3>Q: What does Household Capital do?</h3> A: Household Capital is a specialist retirement funding provider that provides responsible long-term access to your home wealth. Our approach aims to provide you with the best of both worlds – to continue living in your family home with the confidence to enjoy the retirement lifestyle you deserve. <h3>Q: How does Household Capital help retired Australians?</h3> A: If you’re like most Australian retirees, the majority of your wealth is probably tied up in your family home. This wealth is a valuable resource that could be used to improve your retirement funding and enhance your retirement lifestyle. Our Household Loan helps Australian homeowners aged 60 plus to unlock that wealth and put you in control of your retirement. Your home wealth can be drawn as a regular income, a lump sum payment to renovate your home, buy a new car or cover medical expenses, or both! Importantly, it provides flexibility and choice, so you can look to the future with confidence. <h3>Q: How can Household Capital help me beat the cost-of-living crisis?</h3> A: Many Australians are grappling with the rising cost of living. Food, medical costs, insurance premiums, petrol prices – it seems never ending. How do retired Australians manage this on a fixed income? In many cases, they don’t. Some give up doing things they love – other forgo necessities. Unlocking the wealth in your home can provide a regular income to supplement that received from your superannuation or government pension. You don’t have to go without. You can enjoy the lifestyle you deserve. <h3>Q: I’m over 60 and still paying a mortgage – can you help me?</h3> A: You may be one of the millions of Australians aged over 60 still paying off their home loan. Those principal and interest repayments can really stress budgets, especially as the interest rate for ‘old loans’ may be much higher than current rates for younger borrowers. For some over 60s, it means they can’t retire when they want to. For others, it’s having to find that monthly repayment from a fixed income that’s already been stretched by increasing rates and inflation. There is a better way. Many of our customers use a Household Loan to refinance their bank loan. Because a Household Loan does not require regular repayments, your retirement income is freed up. Notably, there is no risk of foreclosure if you miss repayments – because regular repayments are not required. You can stay in your home as long as you want with guaranteed lifetime occupancy and retain 100 percent ownership, meaning you benefit fully from any growth in your home’s value. <h3>Q: How can I help my kids get onto the property ladder?</h3> A: Did you know the ‘bank of mum and dad’ is consistently ranked among Australia’s top ten lenders? Typically, funds are drawn from retirement savings, which can have a detrimental impact on the ‘bank’ over the longer term. If your retirement funding needs are in hand, you can use your home wealth to contribute to a first home buyers deposit or help children with mortgage expenses. This enables you to help children and grandchildren when they need it most and use your home wealth to help the next generation build theirs. <h3>Q: How much home wealth could I unlock?</h3> A: The amount of home wealth you could unlock is dependent on the Loan to Value ratio (LVR). The calculation takes multiple factors into account including the age of the youngest borrower and the value of your property. The LVR for a Household Loan starts at 20 percent of the agreed property value for those aged 60 and increases one percent per year thereafter. To see how much home wealth you could unlock, check out Household Capital’s <a href="https://householdcapital.com.au/home-equity-calculators/" target="_blank" rel="noopener">online calculator</a> or call and speak to one of their Australian-based retirement specialists on 1300 734 720. Applications for credit are subject to eligibility and lending criteria. Fees and charges are payable, and terms and conditions apply (available upon request). Household Capital Pty Limited ACN 618 068 214, Australian Credit Licence 545906, is the Servicer for the credit provider Household Capital Services Pty Limited ACN 625 860 764 Image: Supplied. This is a sponsored article produced in partnership with Household Capital.

Retirement Income

We found 3 types of food wasters, which one are you?

<a href="https://theconversation.com/profiles/trang-nguyen-1454838">Trang Nguyen</a>, <a href="https://theconversation.com/institutions/university-of-adelaide-1119">University of Adelaide</a> and <a href="https://theconversation.com/profiles/patrick-oconnor-109973">Patrick O'Connor</a>, <a href="https://theconversation.com/institutions/university-of-adelaide-1119">University of Adelaide</a> Each year, Australian households discard about <a href="https://workdrive.zohopublic.com.au/external/06152b9ff5971843391f39fc4d32a847e56fb907c167a4a645887b0a4bc43000">2.5 million tonnes of food</a>. Most (73%) of this food waste <a href="https://www.sciencedirect.com/science/article/pii/S0959652622042081">ends up in landfill</a>. This is costly and contributes to <a href="https://pubmed.ncbi.nlm.nih.gov/37118273/">escalating greenhouse gas emissions</a>, because food waste rotting in landfill produces methane. So reducing household food waste and diverting it from landfill saves money, improves food security and benefits the environment. To address the problem, we need to understand how people generate and dispose of food waste. In <a href="https://doi.org/10.1016/j.foodqual.2023.105000">our new study</a>, we found households fell into three categories – based on the amount of food wasted, how much of that waste was avoidable and how it was sorted. These insights into consumer behaviour point to where the most worthwhile improvements can be made. <figure><iframe src="https://www.youtube.com/embed/JvAFaD5f1Lo?wmode=transparent&start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe><figcaption></figcaption></figure> <h2>Three types of households</h2> We conducted an online survey of 939 households in metropolitan Adelaide between April and May 2021. The sample closely matched the national Australian population in terms of gender, age and income. We asked about the types of food waste produced, the amount of food waste typically discarded in a week and motivations towards reducing and sorting food waste. We identified three distinct types of households: Warriors are typically older and highly motivated to reduce and sort food waste. They generate minimal waste (9.6 litres per week), such as bones and vegetable peels, that is mostly unavoidable. This group comprised 39.6% of the sample. Strugglers mainly consist of families with children who produce the largest amount of food waste (33.1 litres per week). They produce the highest proportion of avoidable food waste, such as uneaten fruits and vegetables, bread and cereals. They are moderately motivated to reduce and sort food waste, but more than half of their food waste still ends up in landfill. This group made up 19.6% of the sample. Slackers are generally younger. They show little concern about reducing or sorting food waste. Slackers produce the smallest amount of food waste overall (9 litres a week), but the proportion of avoidable food waste (such as mixed leftovers) is significantly higher (38.9%) compared to warriors (24.5%). They are more than twice as likely to live in units, with 17.2% doing so, compared to just 7.8% of warriors. This group was 40.8% of the sample. <figure class="align-center zoomable"><a href="https://images.theconversation.com/files/550951/original/file-20230928-27-f7cw8e.png?ixlib=rb-1.1.0&q=45&auto=format&w=1000&fit=clip"><img src="https://images.theconversation.com/files/550951/original/file-20230928-27-f7cw8e.png?ixlib=rb-1.1.0&q=45&auto=format&w=754&fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/550951/original/file-20230928-27-f7cw8e.png?ixlib=rb-1.1.0&q=45&auto=format&w=600&h=361&fit=crop&dpr=1 600w, https://images.theconversation.com/files/550951/original/file-20230928-27-f7cw8e.png?ixlib=rb-1.1.0&q=30&auto=format&w=600&h=361&fit=crop&dpr=2 1200w, https://images.theconversation.com/files/550951/original/file-20230928-27-f7cw8e.png?ixlib=rb-1.1.0&q=15&auto=format&w=600&h=361&fit=crop&dpr=3 1800w, https://images.theconversation.com/files/550951/original/file-20230928-27-f7cw8e.png?ixlib=rb-1.1.0&q=45&auto=format&w=754&h=454&fit=crop&dpr=1 754w, https://images.theconversation.com/files/550951/original/file-20230928-27-f7cw8e.png?ixlib=rb-1.1.0&q=30&auto=format&w=754&h=454&fit=crop&dpr=2 1508w, https://images.theconversation.com/files/550951/original/file-20230928-27-f7cw8e.png?ixlib=rb-1.1.0&q=15&auto=format&w=754&h=454&fit=crop&dpr=3 2262w" alt="Graphic explainer showing the three types of households with their typical characteristics and food waste behaviours." /></a><figcaption>The three types of households with their typical characteristics and food waste behaviours. <a class="source" href="https://doi.org/10.1016/j.foodqual.2023.105000">Trang Nguyen using Canva.com</a>, <a class="license" href="http://creativecommons.org/licenses/by-nc-nd/4.0/">CC BY-NC-ND</a></figcaption></figure> <h2>What can households do about their food waste?</h2> Reducing household food waste involves changing behaviours in both food management (“upstream”) and waste management (“downstream”). Upstream measures aim to prevent food waste in the first place. For example, households can avoid buying or cooking too much food. Supporting households to plan and buy just the right amount of food is a great starting point. Once food waste has been produced, downstream measures come into play. The focus shifts to how we handle and dispose of this waste. When households engage in food waste recycling they <a href="https://doi.org/10.3390/su131911099">start thinking more</a> about their behaviour including purchasing and cooking. In Australia, food waste management is mainly the responsibility of local councils. There are three ways to target household food waste management and drive behavioural change: <ul> <li> providing kerbside collection of food organics and garden organics, also known as “FOGO” </li> <li> changing social norms around food waste </li> <li> offering economic incentives and disincentives. </li> </ul> <h2>1. Providing a FOGO system</h2> Councils should provide this option at a minimum. This ensures sufficient infrastructure is available to support motivated households to sort food waste. Unfortunately <a href="https://experience.arcgis.com/experience/e6b5c78e1dac47f88e7e475ffacfc49b">fewer than half of Australian councils</a> provide a garden organics system and only a quarter of councils provide a FOGO system. You can explore <a href="https://experience.arcgis.com/experience/e6b5c78e1dac47f88e7e475ffacfc49b">the FOGO interactive map</a> to see how your area stacks up. <a href="https://www.greenindustries.sa.gov.au/resources/adelaide-metro-kerbside-waste-performance-report-2021-22">Most councils in metropolitan Adelaide</a> provide access to food waste recycling through the FOGO bin. But <a href="https://doi.org/10.1016/j.jclepro.2022.134636">our research</a> indicates more than half of household food waste still ends up in landfill. So we need additional programs to promote more sustainable behaviours. <h2>2. Changing social norms</h2> Social norms, the unspoken rules about what behaviours are deemed appropriate, can drive behavioural change. Examples of promoting social norms around food waste reduction include a <a href="https://www.stopfoodwaste.com.au/stop-food-waste-nationwide-consumer-campaign-summit-communique/">nationwide consumer campaign</a> on stopping food waste and the <a href="https://www.cityofadelaide.com.au/resident/recycling-waste/kitchen-caddies/">kitchen caddy</a> for benches to increase convenience for collecting food waste. But our research suggests some groups, like slackers, remain unmotivated without additional incentives. Economic incentives might motivate this group to engage in more sustainable behaviours. <h2>3. Economic incentives</h2> Currently, Australians pay for waste management through their council rates. This is a “pay-as-you-own” system. The cost is determined by the property’s value, regardless of the amount of waste generated. Renters indirectly contribute to this cost by paying rent. Neither owner-occupiers nor renters have any incentive to reduce waste generation when the cost is levied on property value rather than the amount of waste. An alternative approach gaining momentum in other parts of the world is the “pay-as-you-throw” approach, such as <a href="https://www.collectors2020.eu/wcs-ppw/stockholm-se/">Stockholm</a> and <a href="https://pocacito.eu/sites/default/files/WasteCharging_Taipei.pdf">Taipei</a>. This system charges households based on the weight of their waste, usually the general waste that needs to be discarded in landfill, while the collection of food waste and other recyclables remains free to encourage waste sorting. Recent <a href="https://doi.org/10.1016/j.jclepro.2023.137363">research</a> in Italy shows pay-as-you-throw schemes result in significant reductions in both the quantity of waste and costs associated with waste disposal in many Italian municipalities. The reduced costs flow on to savings for councils that could potentially reduce waste management fees passed on to homeowners and renters through council rates. Giving households incentives to reduce waste and find alternatives to disposal encourages residents to place a higher value on food that may otherwise be sent to landfill. <h2>Reducing food waste is a win-win</h2> Tackling food waste is a win-win for people and the planet. It’s worth using various approaches to encourage people to change their behaviour. Our findings can help inform the design of interventions aimed at reducing and sorting food waste in specific segments of the Australian population.<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/214482/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <figure><iframe src="https://www.youtube.com/embed/Dx7RWtfgbVw?wmode=transparent&start=11" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe><figcaption>No time to waste: Halving Australia’s food waste by 2030 (Fight Food Waste Cooperative Research Centre)</figcaption></figure> <a href="https://theconversation.com/profiles/trang-nguyen-1454838">Trang Nguyen</a>, Postdoctoral Fellow, <a href="https://theconversation.com/institutions/university-of-adelaide-1119">University of Adelaide</a> and <a href="https://theconversation.com/profiles/patrick-oconnor-109973">Patrick O'Connor</a>, Associate Professor, <a href="https://theconversation.com/institutions/university-of-adelaide-1119">University of Adelaide</a> Image credits: Getty Images This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/we-found-3-types-of-food-wasters-which-one-are-you-214482">original article</a>.

Food & Wine

3 household items that expire sooner than you think

Milk, cheese and other fridge-dwelling food items are stamped with expiration dates that, should you choose to ignore them, will make themselves known via smell. But your house is actually peppered with items that require regular replenishment - many of which are outside of the kitchen. Thanks to this handy info, we're now aware of the many surprising household items that require a monthly or yearly upgrade. From knickknacks on your dresser to the staples in your pantry, your house is chock-full of items that can go bad. Here are a few of the most surprising. Hydrogen Peroxide Expires in: 2 months Why: Hydrogen peroxide, the versatile topical antiseptic used to prevent infection in cuts, scrapes, and minor burns, actually turns into water just two months after opening. An unopened bottle should be thrown out after one year. Kitchen spices Expires in: 1-3 years Why: Household kitchen spices, like cinnamon, cumin and basil, reportedly begin losing their lustre after just one year - both in terms of taste and smell. Brightside also claims that ground spices should be thrown out after just six months. Mosquito repellents Expires in: 3 years Why: Mosquito repellents are essentially useless after just two years, according to Brightside. You can usually tell if a bug repellent has expired by the smell - if one spray doesn't emit the pungent odour you've grown used to, it's time to throw it out. Written by Kelsey Clark. First appeared on <a href="http://www.Stuff.co.nz" target="_blank" rel="noopener">Stuff.co.nz</a>. Image credits: Getty Images

Home & Garden

Going up! The rising cost of living

You don’t need to watch the news to know the cost of living is rising – and for many products and services, well above the headline inflation rate. The evidence is there every time you walk down a supermarket aisle, fill your car with petrol and open an energy bill. It’s at the doctor’s surgery and the pharmacy, the butcher and the baker. It seems that inflation’s appetite for your retirement income is insatiable. Then there’s the other unknown that affects your retirement income – the number of years you need to fund. None of us know how long we have to budget our retirement savings for. When your income is fixed at a rate to make it last across many years of retirement, something has to give. And for many people, the first things to go are those they enjoy most. A restaurant meal, trips to the cinema, exercise classes at the local gym. For others, more critical things may fall by the wayside – heating in winter, nourishing food, critical repairs to the home or car. If you’re worried that your retirement income won’t stretch to cover the rising cost of living over an unknown number of years, there are ways to boost it. Despite a recent dip in home values, strong growth over many years has seen the value of retirees’ home equity skyrocket. And now, you can unlock the wealth accumulated in your home to <a href="https://householdcapital.com.au/" target="_blank" rel="noopener">improve your retirement funding</a>. This wealth in your home can be used to fund a monthly or fortnightly income stream, to top up pension payments received from your super fund or the government. It can also be drawn as a lump sum – or a mix of capital and income. Access to capital is important – you can use it to repair or renovate your home, buy a new car or enjoy a holiday. Unlocking the wealth in your home enables you to live the retirement lifestyle you deserve in the home you love…without watching every dollar you spend or foregoing the important things that make you happy. About Household Capital <a href="https://householdcapital.com.au/" target="_blank" rel="noopener">Household Capital</a> is a specialist retirement funding provider that provides responsible long-term access to home equity to meet the needs of an ageing population. We work with you to improve your retirement lifestyle: by enhancing retirement income, providing access to capital and improving retirement housing. Our approach aims to provide you with the best of both worlds – to continue living in your family home with the confidence to enjoy the retirement lifestyle you deserve. In providing access to your <a href="https://householdcapital.com.au/household-loan/" target="_blank" rel="noopener">home equity</a>, we offer you the choice and flexibility to use the wealth in your home in a variety of ways that suit you, today and in the future. These might include: <ul> <li>Providing <a href="https://householdcapital.com.au/testimonials/bill/" target="_blank" rel="noopener">a regular income stream</a> through a regular drawdown facility, so the rising cost of living doesn’t mean going without</li> <li>Paying off <a href="https://householdcapital.com.au/testimonials/dennis/" target="_blank" rel="noopener">an existing mortgage</a> or other debt to free up your cashflow</li> <li>Setting up <a href="https://householdcapital.com.au/testimonials/john/" target="_blank" rel="noopener">a contingency fund</a> for those unexpected expenses, which can be drawn on as you need</li> <li>Covering the costs of in-home or residential aged care.</li> </ul> Our customers – Lynne, Raylene and Suzanne <iframe title="YouTube video player" src="https://www.youtube.com/embed/8Czho7sfH8I?si=Ih6vH8COkfvGR3xK" width="770" height="433" frameborder="0" data-mce-fragment="1"></iframe> Lynne, Raylene and Suzanne have been friends for more than 30 years and although they no longer live in neighbouring suburbs, they get together at least weekly to laugh, to talk and to sew. The three of them sew quilts to donate to aged care facilities, where they are gratefully received by the residents. Lynne was the first to approach Household Capital. She needed a reliable car – but as a widow in her 70s, banks would not lend to her. Instead, Lynne unlocked her home wealth to purchase her new car and to set up a contingency fund to draw on in the event of unexpected expenses. She told her friends Raylene and Suzanne about Household Capital, as both were struggling to make ends meet. Raylene and Suzanne have now used their home wealth to each establish a regular income stream and a contingency fund, giving them confidence in their future and the flexibility to meet their financial needs. Despite the rising cost of living, you can take control of your retirement and Live Well At HomeTM – and it’s Household Capital’s mission to facilitate that. After all, home can be both the best place to live and the right way to fund your retirement. To find out more about the retirement wealth source that most Australian retirees aren’t using, and see how much wealth you can unlock visit <a href="https://householdcapital.com.au/" target="_blank" rel="noopener">householdcapital.com.au</a> or call us 1300 734 720 to have an obligation free chat with one of our Australian based retirement funding specialists. Applications for credit are subject to eligibility and lending criteria. Fees and charges are payable, and terms and conditions apply (available upon request). Household Capital Pty Limited ACN 618 068 214, Australian Credit Licence 545906, is the Servicer for the credit provider Household Capital Services Pty Limited ACN 625 860 764 Image: Supplied. This is a sponsored article produced in partnership with Household Capital.

Retirement Life

Annoying chores with unexpected scientific health benefits

Wash dishes: Reduce anxiety People who cleaned their plates mindfully (they focused on smelling the soap, feeling the water temperature, and touching the dishes) lowered their nervousness levels by 27%, found a recent study of 51 people out of Florida State University’s psychology department. People who didn’t take as thoughtful approach to their dish washing did not experience a similar calming benefit. Clean with a lemon scented cleaner: Be happier A citrusy scent is a potent mood booster, according to a 2014 Japanese study. When participants spent as little as ten minutes inhaling yuzu (a super-tart and citrusy Japanese fruit), they saw a significant decrease in their overall mood disturbance, a measure of tension, anxiety, depression, confusion, fatigue and anger, PureWow recently reported. Make your bed every morning: Boost productivity Your nagging mum was right: starting your day with a freshly made bed is what Charles Duhigg, author of The Power of Habit, calls a “keystone habit”; one that has a ripple effect to create other good behaviour. In his book, Duhigg notes that making your bed every morning is linked to better productivity, a greater sense of wellbeing, and stronger skills at sticking to a budget. Bedmakers also report getting a better night’s sleep than those who leave their covers messy in the morning, per a National Sleep Foundation poll reported by WebMD. Clean up your yard: Prevent a heart attack Need motivation to clean up? People who did the most yard work, housecleaning, and DIY projects had a nearly 30% lower risk of a first-time cardiovascular event like a heart attack or stroke compared with those who were the most sedentary, according to a new Swedish study of 3800 older adults. Banish kitchen clutter: Lose weight A recent study showed that people with super-cluttered homes were 77% more likely to be overweight or obese. The likely reason: it’s harder to make healthy food choices in a chaotic kitchen. Organising guru Peter Walsh, author of Cut the Clutter, Drop the Pounds, has been inside of hundreds of people’s homes. He says once people finally get organised, they tend to experience a number of other unexpected perks, including weight loss, without strict dieting. Mow the lawn: Feel more joyful There’s something to that grassy scent. Australian researchers discovered that a chemical released by freshly cut grass makes people feel more relaxed and more joyful. Grow flowers and vegetables: Lower depression risk In a study out of Norway, people diagnosed with different forms of depression spent six hours a week gardening; after a few months, they experienced a notable improvement in their depression symptoms, and their good moods continued for months after the study ended. Doing a new activity and being outside in nature can certainly help, but some experts believe that dirt itself might be a depression fighter, according to Health.com. Christopher Lowry, PhD, a professor at the University of Colorado, Boulder, has been injected mice with a common, harmless bacteria found in the soil. He’s found that they experience an increase in the “release and metabolism of serotonin in parts of the brain that control cognitive function and mood, much like serotonin-boosting antidepressant drugs do,” the site reported. Share chores with your spouse: Have a better sex life When men perceived their contribution to household chores as fair, couples have more frequent and satisfying sex, according to a 2015 study from the University of Alberta. “If a partner isn’t pulling their weight in housework, either one will have to pick up the slack, or the chores will remain undone. This will develop tension and bitterness in the relationship, which will transfer into the bedroom,” according to MedicalDaily. Image credits: Getty Images This article originally appeared on <a href="https://www.readersdigest.com.au/healthsmart/8-annoying-chores-with-unexpected-scientific-health-benefits" target="_blank" rel="noopener">Reader's Digest</a>.

Body

The hidden dangers of household products

The materials, fabrics and fragrances contained inside our homes are host to thousands of chemicals that may pose a threat to human health. Healthy home expert Nicole Bijlsma says there simply aren’t enough regulations to ensure the products and materials in our homes are safe for consumers. “We have this incredible, unregulated, chemical onslaught in our household products, personal care products, building materials and cleaning products which is why the burden of chemicals is increasing with each generation,” Bijlsma says. “Just because it’s on the supermarket shelf doesn’t mean it’s been tested.” The largely unregulated cleaning product industry is often placed under scrutiny in the fight against chemicals but Bijsma says this issue extends to all areas of the home. “What happens is we wait for the disease to occur in the general population before we look back and realise [the harm]…It’s a stupid system; it doesn’t protect consumers and it certainly does not protect the most vulnerable in our society– our children and the unborn fetus.” Only through thorough research can consumers determine where their products are being sourced, under what conditions they’ve been made and the impact they may have on health. Even then there are gaps. Imported items are not under the same regulations as those made in New Zealand. “A lot of the products, especially furnishings, you can’t load with formaldehyde but if you import them from Asia as most people do, they’re going to be loaded with chemicals…Bijlsma says. Bijlsma advises going back to basics when selecting materials and products, reducing the chemical load, choosing natural fibres and buying home made. “The big problem is most chemicals in building materials and household products have never been tested for their impact on human health,” Bijlsma says. Creating a healthy home is of the utmost importance to homeowner Irena Bukhshtaber, who has recently extended her home to be 100 per cent sustainable and hypoallergenic. “Because our industry standards are so high, usually it’s a local product too…Watch out for imports, from floorboards to air-conditioning, as there’s no way to guarantee what they say on the label unless the seller can guarantee provenance or knows the company.” Despite the time-consuming research process (three years) of renovating the home to a healthy standard Bukhshtaber says the outcome has been worth the effort. “How difficult is it to live with sick or tired family members? How hard is it to live your values? If the outcome is positive then it’s not difficult, but it is time consuming and does require you to spend time researching, calling and discussing with suppliers.” To keep her costs down when renovating, Bukhshtaber advises determining the elements of a home that matter most to you, whether this be using recycled materials, limited chemicals, high-quality design, ethical manufacturing or buying New Zealand made. “None of these things are mutually exclusive but you do need a hierarchy in mind as no one has unlimited budget,” Bukhshtaber says. Written by Amelia Barnes. First appeared on <a href="http://www.domain.com.au/" target="_blank" rel="noopener">Domain.com.au.</a> Images: Getty

Home Hints & Tips

Don’t blame women for low libido. Sexual sparks fly when partners do their share of chores – including calling the plumber

When a comic about “mental load” <a href="https://english.emmaclit.com/2017/05/20/you-shouldve-asked/">went viral in 2017</a>, it sparked conversations about the invisible workload women carry. Even when women are in paid employment, they remember their mother-in-law’s birthday, know what’s in the pantry and organise the plumber. This mental load often goes unnoticed. Women also <a href="https://theconversation.com/yet-again-the-census-shows-women-are-doing-more-housework-now-is-the-time-to-invest-in-interventions-185488">continue to do more housework</a> and childcare than their male partners. This burden has been exacerbated over the recent pandemic (homeschooling anyone?), <a href="https://theconversation.com/planning-stress-and-worry-put-the-mental-load-on-mothers-will-2022-be-the-year-they-share-the-burden-172599">leaving women</a> feeling exhausted, anxious and resentful. As sexuality researchers, we wondered, with all this extra work, do women have any energy left for sex? We decided to explore how mental load affects intimate relationships. We focused on female sexual desire, as “low desire” affects <a href="https://www.sciencedirect.com/science/article/abs/pii/S1743609520307566">more than 50% of women</a> and is <a href="https://www.sciencedirect.com/science/article/abs/pii/S0091302217300079">difficult to treat</a>. Our study, published in the <a href="https://www.tandfonline.com/doi/full/10.1080/00224499.2022.2079111">Journal of Sex Research</a>, shows women in equal relationships (in terms of housework and the mental load) are more satisfied with their relationships and, in turn, feel more sexual desire than those in unequal relationships. <h2>How do we define low desire?</h2> Low desire is tricky to explore. More than simply the motivation to have sex, women describe sexual desire as a state-of-being and a need for closeness. Adding to this complexity is the fluctuating nature of female desire that changes in response to life experiences and the <a href="https://www.bbc.com/future/article/20160630-the-enduring-enigma-of-female-desire">quality of relationships</a>. Relationships are especially important to female desire: relationship dissatisfaction is a <a href="https://pubmed.ncbi.nlm.nih.gov/18410300/">top risk factor</a> for low desire in women, even more than the physiological impacts of age and menopause. Clearly, relationship factors are critical to understanding female sexual desire. As a way of addressing the complexity of female desire, a <a href="https://link.springer.com/article/10.1007/s10508-018-1212-9">recent theory</a> proposed two different types of desire: dyadic desire is the sexual desire one feels for another, whereas solo desire is about individual feelings. Not surprisingly, dyadic desire is intertwined with the dynamics of the relationship, while solo desire is more amorphous and involves feeling good about yourself as a sexual being (feeling sexy), without needing validation from another. <h2>Assessing the link</h2> Our research acknowledged the nuances of women’s desire and its strong connection to relationship quality by exploring how fairness in relationships might affect desire. The research involved asking 299 Australian women aged 18 to 39 questions about desire and relationships. These questions included assessments of housework, mental load – such as who organised social activities and made financial arrangements – and who had more leisure time. We compared three groups: <ul> <li>relationships where women perceived the work as equally shared equal (the “equal work” group)</li> <li>when the woman felt she did more work (the “women’s work” group)</li> <li>when women thought that their partner contributed more (the “partner’s work” group).</li> </ul> We then explored how these differences in relationship equity impacted female sexual desire. <h2>What we found</h2> The findings were stark. Women who rated their relationships as equal also reported greater relationship satisfaction and higher dyadic desire (intertwined with the dynamics of the relationship) than other women in the study. Unfortunately (and perhaps, tellingly), the partner’s work group was too small to draw any substantial conclusions. However, for the women’s work group it was clear their dyadic desire was diminished. This group was also less satisfied in their relationships overall. We found something interesting when turning our attention to women’s solo desire. While it seems logical that relationship inequities might affect all aspects of women’s sexuality, our results showed that fairness did not significantly impact solo desire. This suggests women’s low desire isn’t an internal sexual problem to be treated with <a href="https://www.insider.com/guides/health/yoni-eggs#:%7E:text=Yoni%20eggs%20are%20egg%2Dshaped,bacterial%20infections%20and%20intense%20pain.">mindfulness apps and jade eggs</a>, but rather one that needs effort from both partners. Other relationship factors are involved. We found children increased the workload for women, leading to lower relationship equity and consequently, lower sexual desire. Relationship length also played a role. Research shows long-term relationships are <a href="https://link.springer.com/article/10.1007/s10508-018-1175-x">associated with</a> decreasing desire for women, and this is often attributed to the tedium of over-familiarity (think of the bored, sexless <a href="https://www.youtube.com/watch?v=kBq-Nyo0lQg">wives in 90s sitcoms</a>). However our research indicates relationship boredom is not the reason, with the increasing inequity over the course of a relationship often the cause of women’s disinterest in sex. The longer some relationships continue, the more unfair they become, lowering women’s desire. This may be because women take on managing their partner’s relationships, as well as their own (“It’s time we had your best friend over for dinner”). And while domestic housework may start as equally shared, over time, women <a href="https://www.abs.gov.au/media-centre/media-releases/women-spent-more-time-men-unpaid-work-may">tend to do more</a> household tasks. <h2>What about same-sex couples?</h2> Same-sex couples have <a href="https://onlinelibrary.wiley.com/doi/abs/10.1111/fare.12293">more equitable relationships</a>. However, we found the same link between equity and desire for women in same-sex relationships, although it was much stronger for heteronormative couples. A sense of fairness within a relationship is fundamental to all women’s satisfaction and sexual desire. <h2>What happens next?</h2> Our findings suggest one response to low desire in women could be to address the amount of work women have to take on in relationships. The link between relationship satisfaction and female sexual desire has been firmly established in <a href="https://link.springer.com/article/10.1007/s10508-018-1175-x">previous research</a> but our findings explain how this dynamic works: women’s sense of fairness within a relationship forecasts their contentment, which has repercussions on their desire for their partner. To translate our results into clinical practice, we could run trials to confirm if lowering women’s mental load results in greater sexual desire. We could have a “housework and mental load ban” for a sample of women reporting low sexual desire and record if there are changes in their reported levels of desire. Or perhaps women’s sexual partners could do the dishes tonight and see what happens. Image credit: Shutterstock This article originally appeared on <a href="https://theconversation.com/dont-blame-women-for-low-libido-sexual-sparks-fly-when-partners-do-their-share-of-chores-including-calling-the-plumber-185401" target="_blank" rel="noopener">The Conversation</a>.

Relationships

1 in 4 households struggle to pay power bills. Here are 5 ways to tackle hidden energy poverty

<a href="https://energyconsumersaustralia.com.au/news/how-increases-in-energy-prices-are-impacting-consumers#:%7E:text=Energy%2520affordability%2520is%2520not%2520just,in%2520the%2520past%252012%2520months.">One in four Australian households</a> are finding it hard to pay their gas and electricity bills. As winter looms, <a href="https://www.aer.gov.au/news-release/default-market-offer-2023%25E2%2580%259324-draft-determination">energy price rises</a> will make it even harder. Cold homes and disconnections resulting from energy poverty threaten people’s health and wellbeing. <a href="https://www.acoss.org.au/wp-content/uploads/2023/03/ACOSS-cost-of-living-report2-March-2023_web_FINAL.pdf">Income support for welfare recipients</a> and retrofitting homes to make them more thermally efficient – by adding insulation, for example – can ease the burden. And when homes are not too cold or hot, <a href="https://theconversation.com/fuel-poverty-makes-you-sick-so-why-has-nothing-changed-since-i-was-a-child-living-in-a-cold-home-201787">people’s health benefits</a>. This in turn <a href="https://apo.org.au/node/319556">eases pressure on the public health system</a>. However, many people are missing out on assistance as programs often do not recognise their difficulties. Their energy vulnerability is hidden. <h2>What forms does hidden energy poverty take?</h2> <a href="https://www.sciencedirect.com/science/article/pii/S2214629623000737">Our newly published study</a> has revealed six aspects of hidden energy vulnerability. These are: <ol> <li> underconsumption – households limit or turn off cooling, heating and/or lights to avoid disconnections </li> <li> incidental masking – other welfare support, such as rent relief, masks difficulties in paying energy bills </li> <li> some households disguise energy poverty by using public facilities such as showers or pooling money for bills between families </li> <li> some people conceal their hardship due to pride or fear of legal consequences, such as losing custody of children if food cannot be refrigerated because the power has been cut off </li> <li> poor understanding of energy efficiency and the health risks of cold or hot homes adds to the problem </li> <li> eligibility criteria for energy assistance programs may exclude some vulnerable households. For example, people with income just above the welfare threshold are missing out on energy concessions. Energy retailer hardship programs also ignore people who have voluntarily disconnected due to financial hardship. </li> </ol> <h2>5 ways to help these households</h2> Our studies suggest trusted intermediaries such as people working in health, energy and social services can play a vital role in identifying and supporting such households. First, energy efficiency and hardship initiatives may be <a href="https://www.rmit.edu.au/about/schools-colleges/property-construction-and-project-management/research/research-centres-and-groups/sustainable-building-innovation-laboratory/projects/care-at-home-system-improvements">integrated into the My Aged Care in-home care system</a>. Energy poverty risk identification, response and referral could be built into the national service’s assessment form. This could leverage existing client screening processes. The system’s front-line staff could connect at-risk householders with energy counsellors. These counsellors could help people access better energy contracts, concessions, home retrofits and appliance upgrade programs. A new Commonwealth “energy supplement” could help pay for essential energy-related home modifications. This would help avoid My Aged Care funds being diverted from immediate healthcare needs. Second, general practitioners and other health professionals could help identify energy vulnerability among patients with medical conditions of concern. They could also provide letters of support emphasising renters’ health-based need for air conditioners or heaters. Third, energy providers could use household energy data to identify those that seem to be under-consuming or are often disconnected. They could also identify those that are not on “best offer” deals. They could be proactive in checking struggling householders’ eligibility for ongoing energy concessions and one-off debt relief grants offered by states and territories. Energy providers could also make it easier for social housing providers to ensure concessions for tenants renew automatically. Fourth, local councils could use their data to identify at-risk householders. They might include those with a disability parking permit, discounted council rates or in arrears, on the social housing waiting list, Meals on Wheels clients and social housing tenants. Maternal and child health nurses and home and community care workers making home visits could call attention to cold or hot homes. Councils could employ in-house energy counsellors to provide assistance and energy literacy training. Council home maintenance teams could develop bulk-buying, insulation and neighbourhood retrofit programs. Strategies to reduce vulnerability to energy poverty should be part of municipal public health and wellbeing plans. Under these strategies, net-zero-carbon funds set up by states and local councils to reduce emissions could finance targeted housing retrofits. We also suggest setting up a central helpline to improve access to energy assistance via local referrals. Fifth, residential energy-efficiency programs could become more person-centric. For example, we already have <a href="https://www.homescorecard.gov.au/">Residential Efficiency Scorecard</a> audits to assess the thermal quality of a home. These audits could also explore whether concessions and better energy deals are available to the household. <h2>Building capacity at all levels</h2> <a href="https://cur.org.au/cms/wp-content/uploads/2021/08/tackling-hidden-energy-final.pdf">Capacity-building strategies</a> are needed at all levels – individual, community and government – to overcome the <a href="https://www.sciencedirect.com/science/article/pii/S2214629623000737">challenges</a> of reducing energy poverty. Current obstacles include the competing priorities of service providers, lack of time and resources, and <a href="https://www.sciencedirect.com/science/article/abs/pii/S2214629622003553">poor co-ordination between siloed</a> programs and services. Access to essential energy services should be part of state and local governments’ strategic health plans. Housing, energy and health departments could work together to include housing retrofits in preventive health programs. A comprehensive approach is needed to overcome hidden energy poverty. It must include public education, integrated services and well-funded energy-efficiency programs. Regulatory reforms and ongoing funding are both needed to improve the availability of energy-efficient, affordable homes for tenants. Our suggested strategies start with improving the skills and knowledge of trusted intermediaries. Doctors, social workers, housing officers, community nurses and volunteers can play a central role. Using these front-line professionals to help identify and act on energy poverty offers a novel, cost-effective and targeted solution. This article originally appeared on <a href="https://theconversation.com/1-in-4-households-struggle-to-pay-power-bills-here-are-5-ways-to-tackle-hidden-energy-poverty-204672" target="_blank" rel="noopener">The Conversation</a>. Images: Getty

Home Hints & Tips

How to clean jewellery at home: 14 household items that work miracles

<h2>How to make your jewellery shine</h2> If you want to clean your bling but don’t want to shell out lots of money for a professional, fear not – there are lots of easy methods for how to clean jewellery right at home. You don’t have to save it for your most valuable cocktail rings or necklaces, either. Even the best affordable jewellery needs a cleaning every now and then, especially those delicate earrings that you never take off, even after they turn your skin green. <h2>What is the best home remedy to clean jewellery?</h2> These trusted everyday items are just as good as (if not better than) jewellery cleaner, and you probably already have most of them in the house. <h2>Alka-Seltzer</h2> Drop your dull-looking jewellery in a glass of fizzing Alka-Seltzer for a couple of minutes. It will sparkle and shine when you pull it out. <h2>Aluminium foil</h2> Here’s how to clean jewellery with aluminium foil: simply line a small bowl with it. Fill the bowl with hot water and mix in one tablespoon of bleach-free powdered laundry detergent. Put the jewellery in the solution and let it soak for one minute. Rinse well and air-dry. This procedure makes use of the chemical process known as ion exchange, which can also be used to clean silverware. <h2>Ammonia</h2> Brighten up your gold and silver trinkets by soaking them for ten minutes in a solution of 1/2 cup clear ammonia mixed with 1 cup warm water. Gently wipe clean with a soft cloth and let dry. Note: do not do this with jewellery containing pearls, because it could dull or damage their delicate surface. <h2>Baking soda</h2> To remove built-up tarnish from your silver, make a thick paste with 1/4 cup baking soda and 2 tablespoons water. Apply with a damp sponge and gently rub, rinse, and buff dry. To polish gold jewellery, cover with a light coating of baking soda, pour a bit of vinegar over it, and rinse clean. Note: do not use this technique with jewellery containing pearls or gemstones, as it could damage their finish or loosen any glue. <h2>Light-coloured beer</h2> Get the shine back in your solid gold rings (read: bands without any gemstones) and other jewellery by pouring a bit of light-coloured beer (not dark ale!) onto a soft cloth and rubbing it gently over the piece. Use a clean second cloth or towel to dry. <h2>Soda water</h2> Soak your diamonds, rubies, sapphires, and emeralds in club soda to give them a bright sheen. Simply place them in a glass full of soda water and let them soak overnight. <h2>Denture tablets</h2> Has your diamond ring lost its sparkle? Here’s how to clean jewellery using denture tablets: drop the tablet into a glass along with 1 cup water. Follow that with your ring or diamond earrings. Let it sit for a few minutes. Remove your jewellery and rinse to reveal the old sparkle and shine. <h2>Ketchup</h2> Let ketchup do the work of shining tarnished silver. If your ring, bracelet, or earring has a smooth surface, dunk it in a small bowl of ketchup for a few minutes. If it has a tooled or detailed surface, use an old toothbrush to work ketchup into the crevices. To avoid damaging the silver, don’t leave the ketchup on any longer than necessary. Rinse your jewellery clean, dry it, and it’s ready to wear. <h2>Toothpaste</h2> Put a little toothpaste on an old toothbrush and use it to make your diamond ring sparkle instead of your teeth. Clean off the residue with a damp cloth. <h2>Vinegar</h2> Is vinegar good for cleaning jewellery? Yes! Here’s how to clean jewellery with it: soak your pure silver bracelets, rings, and other jewellery in a mixture of 1/2 cup white vinegar and 2 tablespoons baking soda for two to three hours. Rinse them under cold water and dry thoroughly with a soft cloth. <div> </div> <h2>Vodka</h2> In a pinch, a few drops of vodka will clean any kind of glass or jewellery with crystalline gemstones. So although people might give you strange looks, you could dip a napkin into your vodka on the rocks to wipe away the grime on your eyeglasses or dunk your diamond ring for a few minutes to get it sparkling again. But don’t try this with contact lenses! Also, avoid getting alcohol on any gemstone that’s not a crystal. Only diamonds, emeralds and the like will benefit from a vodka bath. <h2>Window cleaner</h2> Use window cleaner to spruce up jewellery that is all metal or has crystalline gemstones such as diamonds or rubies. Spray on the cleaner, then use an old toothbrush for cleaning. But don’t do this if the piece has opaque stones such as opal or turquoise, or organic gems such as coral or pearl. The ammonia and detergents in the cleaner can discolour these porous lovelies. <h2>Dish soap</h2> Dish soap can do a whole lot more than just clean your kitchen! It’s great for regular jewellery cleaning. All you need to do is mix a few drops of dish soap with warm water and let the jewellery soak in the solution for a few minutes. You can use this method for silver jewellery too, but you’re better off using a toothbrush or cloth to wipe down that jewellery rather than fully submerging it. Don’t forget to rinse! <h2>Shampoo</h2> A bit of mild shampoo – think baby shampoo – is a great way to polish your pearls. Stones like turquoise and opals will benefit from this treatment as well. To use this method most effectively, mix a little bit of shampoo with warm water and use a soft, clean brush like a makeup brush to polish each pearl with the mixture. You don’t want to risk damaging pearls by soaking them. Image credit: Shutterstock This article originally appeared on <a href="https://www.readersdigest.com.au/food-home-garden/diy-tips/how-to-clean-jewellery-at-home-14-household-items-that-work-miracles?pages=2" target="_blank" rel="noopener">Reader's Digest</a>.

Home Hints & Tips

7 ways to clean your kitchen with simple household items

The folks at <a href="http://food52.com/blog/14173-7-kitchen-cleaning-tricks-that-really-work" target="_blank" rel="noopener">Food52</a> have exhibited some inspired thinking and shown how we can solve various household problems with simple household items. Some of these are way too clever. 1. Get rid of fruit flies in your kitchen Before you flood your kitchen with Mortein, consider this method. Simply halve a lemon, put both sides in your oven and leave the door propped open overnight. In the morning close the door and turn the grill on for a few minutes. Turn it off, let the oven cool, throw away the lemons, clean the bottom of your oven and voila, no more fruit flies! It sounds strange but it really works. 2. Remove hard water deposits using just vinegar Forget toxic chemicals, you can brings your dingy sinks back to their glory by simply applying vinegar. It’s not just good for fish and chips – it’s pretty much a ready-made, powerful household cleaner. 3. Clean kitchen cabinets with baking soda The perfect cleaner for your gunky kitchen cabinets is actually already sitting in your kitchen! Make a solution that’s one part vegetable oil, two parts baking soda and you can clean those gunky kitchen cabinets in no time at all. All you need is a sponge, toothbrush or even just your fingers. 4. Cleaning white sinks with lemons When life gives you lemons, you actually have the perfect tool for cleaning your sink. White sinks can look dodgy with the smallest bits of mess, so combine baking soda with a lemon half to kill germs and bring back shine. Sprinkle the soda in the sink and use your lemon wedge as a scrubber. 5. Toothpicks for mixers and machinery Electric mixers and other devices can open up a world of possibilities in the kitchen, but they get dirty fast. A good way to get around this is by using a toothpick to get into any cracks and crevices that may have opened up. Then simply wipe off the residue with a damp cloth. 6. Get rid of grout with baking soda and vinegar These two common household items combing to make a gentle solution that's very effective at getting rid of stains. Simple make a paste, apply it to the grout and let it sit for a little while. Before too long spray it with vinegar. It will fizz a little, then scrub with a toothbrush and voila – clean! 7. Clean the air in odd smelling kitchens Sometimes no matter how hard we try we just can’t get our kitchens to smell clean. But before you go all gung-ho with the bleach, try this solution. Simmer some vinegar on the stove. This will help you clean the air and restore it to a more neutral smell for cooking and cleaning. Images: Getty

Home Hints & Tips

6 household items to complete your space

Forget perfect furnishings and decorations and focus on the household items that are easy to forget. 1. A comfy seat As basic as it sounds, it is definitely a necessity. We all do a lot of sitting at home so make sure you invest in a nice, comfy chair or fold-out sofa that won’t hurt your back. 2. A lamp Power outages can and do happen, so make sure you’re prepared with a torch or solar-powered lamp. You’ll thank yourself during an emergency! 3. A shower curtain Buy a fresh shower curtain and experiment with different colours. You could also match the colour of your shower curtain, towels and floor mat to really bring the room together. 4. A good mattress This one is so obvious, but have you bought the right size? Is it good quality? You spend around a third of your life asleep, so make sure you get a good one. A mattress should be more of an investment than a simple purchase. 5. Kitchen utensils Prepare yourself to cook! Make sure you have a wooden spoon, a spatula and basic cutlery. Invest in a fry pan and some saucepans too. 6. Potted plants Your home is going to feel fresh and healthy with a few indoor plants around. They will help clean the air and add a little style to your room as well. Image credit: Shutterstock

Home & Garden

3 smart appliances to make your life easier

It’s time to get digital but don’t worry, all you need is a set of batteries and a charging cord. From vacuuming to mowing the lawn, here are some helpful devices that will make your life easier. 1. <a href="https://www.binglee.com.au/products/irobot-braava-jet-m6-robot-mop-m613200?utm_source=CommissionFactory&utm_medium=referral&cfclick=346864d5d0bf44a58923574774cfdf9e" target="_blank" rel="noopener">Robotic Vacuum</a> The concept of a robotic vacuum is not at all new. The Roomba vacuum, arguably the most iconic robot vacuum cleaner out there has been out for over a decade but if you do not own one, do yourself a favour and get one! Or something similar. A robot vacuum will make bending over a thing of the past. They are a self-propelled floor cleaner that uses a rotating brush or brushes to pick up dirt and debris. They work on their own without any human intervention, just press the button and let the little robot clean your home. 2. <a href="https://www.ecovacs.com/au/winbot-window-cleaning-robot/winbot-w1-pro?cfclick=d2d2a30255d642df868b7ab3d6850b67">Robotic Window Cleaner</a> Cleaning windows is one of the most tiresome jobs in terms of cleaning, so rest those arms and get yourself a robotic window cleaner. This revolutionary window cleaner suctions itself onto the glass and gives your windows the gleam they deserve. Once again, no human intervention, just press the button and watch in amazement. 3. <a href="https://www.amazon.com.au/WORX-LANDROID-Robotic-POWERSHARE-Battery/dp/B09V2DQGC1/?tag=homestolove-trx0000057-22">Robotic Lawn Mower</a> If you have a big lawn, then this is the way to go. Lawn mowers that you can ride are certainly a better option than those you hold, but the robotic lawn mower allows you to cut your grass from the comfort of your living room. They’re capable of cutting areas of up to 1000sqm. It measures the size of your lawn, the soil composition and can identify different grass species to make sure it’s cut at the right time based on growth rate and seasonality! Work smarter, not harder. Image credit: Getty

Home Hints & Tips

The household item with the most germs

New research has found that chopping boards are up to 200 times dirtier than a toilet with an average bacteria count of 61,597 per square inch. Poor kitchen hygiene can lead to serious illnesses caused by salmonella, E-coli and campylobacter. The side effects of these illnesses include vomiting, stomach cramps and diarrhoea. Dr Lisa Ackerley, The Hygiene Doctor, has revealed the common mistakes people make when using a chopping board, including washing them wrong and not replacing them regularly. “By not regularly replacing your chopping boards you are putting yourself at risk,” she said. “Chopping boards are a dangerous source of cross-contamination if not cleaned, stored and used properly, and replaced due to wear and tear with age." A survey commissioned in the UK by Sainsbury’s Home found 40 per cent of people are putting themselves at risk by using the same chopping board for meat and vegetables. Those germs can contaminate any food that is prepared on the same chopping board. Dr Ackerly explained that washing up liquid isn’t sufficient enough to clean your chopping board. Soaps help remove bacteria but it does not kill them. It is recommended that you use a disinfectant spray that is safe to use around food. If your chopping board is scratched, it is worth investing in a new one as bacteria can easily hide in scratches and crevices. Dr Ackerly said, “A good tip is when a board gets so rough you could snag a cloth on it, then it is time to replace it.” Image credit: Shutterstock

Home & Garden

10 ways you’re doing your ironing wrong

Some people like ironing, stopping at nothing but pressing their underwear. These individuals usually love their Sunday ritual of tackling four piles of laundry with a cup of tea and a midday movie for company. There’s even a group of extreme ironing enthusiasts, who’ve combined their love for action sports with the satisfaction of a well-pressed shirt. They swear by its meditative qualities: the repetitive movement; the hiss of the steam; the elimination of creases, one by one. Then there’s the rest of the population, who’ll do everything they can to avoid it: from only buying wrinkle-free fabrics to hanging garments in the bathroom for the shower steam to work its magic. They don’t call it a “chore” for nothing, people. Unfortunately, life thrusts at us many occasions that require whatever we’re wearing to receive a good press. Whichever camp you fall in – seasoned or sporadic – you’re poised to benefit from these practical tips. 1. Over-drying your clothes Having them hang for too long, frying in the sun or on the heater, can over-dry clothes, leaving them stiff as cardboard and crispy in texture. They become difficult to reshape and harder to iron. Also, be wary of how long they’re in the dryer, especially if you don’t have one of the more advanced “moisture-sensing” models. 2. Not shaking clothes out As you’re taking your clothes off the line and out of the dryer, don’t forget to shake them out. This smooths seams and pleats, making them easier to iron later down the line. 3. Not protecting delicates Placing a hot iron directly on sensitive fabrics can ruin garments, branding them with an unsightly singed and shiny mark. Protect them by ironing fabrics inside-out and with a pressing cloth as a buffer. A handkerchief or napkin will do. 4. Not misting clothes This makes creases easier to eliminate. Many irons have an in-built spray function so you can lightly mist your clothes at the touch of a button. Alternatively, keep a water spray bottle handy. 5. Not using a starch spray Starch sprays can speed up ironing and leave your clothes looking extra pristine – if you use them correctly. Spray the area right before you iron and leave it to penetrate for a few seconds. This will also save your iron’s base plate from a build-up of product residue. (You can make your own starch spray by dissolving one tablespoon of corn-flour in two cups of water.) 6. Not adjusting the temperature If you have a large pile to tackle, start with your lightest silk, synthetic and delicate fabrics, as these need to be ironed on lower temperatures. Then, as your iron begins to heat up, iron your woollens on medium heat, and then cottons and linens that require a higher heat. Always let the iron sit for a few minutes after you adjust the temperature setting. Want to cut your ironing time in half? Place a sheet of aluminium foil underneath the ironing board cover. The reflected heat from the foil means you don’t have to flip over the garment and iron the other side. 7. Not paying attention to the form of the garment For shirts, start with the sleeves (cuffs always open) and lay the collar flat (even though that’s not how you usually wear it), then let the shirt hang for a few minutes before putting it on. For trousers, iron along the main crease, stopping six inches below the waist, then hang by the waistband. And always iron skirts from the top down, unless there’s a flounce or flare, in which case, start from the bottom and work up. If you’re having to iron pleats, start from the bottom, working from the inside of the pleat to the outside. Then set it with a shot of steam. 8. Using circular strokes Ironing in circles stretches the fabric. Always iron lengthwise. 9. Making a mess of sheets Is there anything more annoying than ironing sheets, tablecloths and curtains? The trick is to set up two chairs next to the ironing board. Fold the piece onto the chairs as you work on it. You could also iron them on a tabletop you’re not too precious about, provided you protect the surface with a bath towel. 10. Not hanging up or folding as soon as you’re done But make sure you wait five minutes before putting them on. You need to let the press set, otherwise you’ll be undoing all your hard work. Do you have any ironing secrets to share with us? Let us know in the comments below. Written by Kathleen Lee-Jo. First appeared on <a href="http://www.domain.com.au/" target="_blank" rel="noopener">Domain.com.au</a>. Image: Getty

Home Hints & Tips

How many of these dirty spots in the home are you guilty of NOT cleaning?

Just when you think you’ve got the house spick and span, along comes a list like this to keep you on your toes. Ceiling fans The tops of these can get dusty and grimy quickly, especially if they are anywhere near the kitchen. Get up there with a hot soapy cloth and give them a good wipe down. TV remote Dirty fingers can leave sticky marks on your remote, which should be cleaned with a slightly damp cloth. If you ever eat in front of the TV you can just imagine how dirty the remote must be. Dustpan and brush The products that clean up the mess need a wash now and then too. A soak in a bucket of hot water and bleach is a great way to clean these. Then allow to dry in the sun. Yoga mat All that Zen-sweat can be a breeding ground for bacteria. Give your yoga mat a clean regularly by taking it in the shower with you and rubbing it with soap or shower gel, then dry on the line. While you’re in the mood, pop your gym bag in the wash too. Cloth bags If you’re toting around your groceries in a cloth bag, little bits of food can start to accumulate in the bottom. Throw them in the washing machine regularly to keep them in good condition. Tops of doors and picture rails What you don’t see can easily be forgotten but the tops of doors and rails can quickly accumulate dust and grime. Get up there with a hot soapy cloth, followed by a buff with a dry clean cloth. Bathroom door handle We don’t need to go into too much detail as to why you need to clean this, but it is important that you do it. Fridge seals and handle The grime that gets in your seals can be easily removed with a hot soapy cloth. Remember to clean the handle regularly too – just think how many times you open the fridge when preparing food (with potentially sticky fingers). Hairbrush All that hair and dead skin accumulates quickly in a brush. Remove any hair and then use hot soapy water to soak your brushes. Allow them to dry in the sun. Sponges It’s scary to think that the item you use to clean your whole kitchen could be harbouring some serious bacteria. You need to regularly clean your sponges and cloths by soaking them in the sink with a big glug of bleach in hot water. Image: Getty Images

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