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

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

Money & Banking

Hamish Blake reveals single most life-changing interview moment

Hamish Blake has revealed the A-list celebrity's candid answer to an interview questions that had a profound impact on his perspective. The radio and TV host appeared on the latest episode of the ABC program The Assembly, in which celebrities appear in front of a classroom of Australian university students, all of whom are autistic and studying journalism, and have permission to ask whatever questions they want. After Blake's extensive career, student Silas was keen to ask about what celebrity had the biggest impact on him. “You’ve interviewed a lot of people over the years, what answer to a question has most changed your perspective on life?” Silas asked a clearly-impressed Blake. “Ooooh … really good,” he responded. “We had Richard Branson on [Hamish and Andy], and one of the guys on our radio show, Jack, he basically said to him, ‘You are a billionaire. Can we just go downstairs to the ATM, can you give me a thousand dollars? It’s nothing to you but it will change my month’.” Blake went on to explain that the British entrepreneur gave a surprising response that has stayed with him ever since. “He was like, ‘I’ll tell you what – there’s something I’d give you all my money for’, and Jack’s like, ‘really?’ and [Richard] goes, ‘your age’. “I was like, that’s interesting. Jack was 22, and we were like, ‘What do you mean by that?’ and he said, 'I’d happily be broke and 22 than a billionaire and 68’, or whatever he was at the time.” Blake said the answer had "always stuck with him" and given him a new appreciation for ageing and freedom. “It’s true. I think that it will be true for all of us. As we get older, you’re like, ‘OK, money’s thing in life, a tool that can certainly take some bad situations and discomfort away, but it’s not happiness’. It’s nowhere near the exhilaration of getting to live, and all the best stuff is free,” he said. “I think about that all the time … That always stuck with me, that idea that we’ve got something immediately available to us, that in the future we’d give all our material possessions for.” Image credits: ABC

Readers response: Who’s the most interesting person you’ve met while travelling?

One of the best parts of travelling is the people you met along the way. Whether it's as part of a tour group or an interesting character you meet by chance, interacting with interesting people in interesting places can bring a lot to your travel experience. We asked our readers to tell us about the most interesting person they've encountered on their travels and the response was overwhelming. Here's what they said. Diana Jason - Cargo Holly Harrison. He walked 15000 miles from the bottom of South America to the top of Alaska. A truly fascinating man. Margie Buckingham - While caravanning around Oz, every night we would meet interesting ppl enjoying pre-dinner drinks & nibbles around the campfire. We all had personal stories to tell or the best places to camp. Ann Smith - Myself. Travelled to the UK and found my independence and confidence, two and a bit years after I lost love of my life to cancer. Pamela Cari - We met the lady who played the mother of Apollonia Vitelli in The Godfather when we were in Savoca. Rosalie Busch - A couple who grew up behind the wall in East Berlin. Sue Velvin - Shaquille O'Neal when my daughter and I had a holiday in the states a few years ago! Awesome man. Wendy Farnham - A Buddhist Nun in Cambodia who lost her husband and 6 of her 7 children to starvation under Pol Pot’s regime. Lyn Schuemaker - Everybody. They all have stories to tell. Image credits: Shutterstock

International Travel

Readers response: What is the most memorable cruise you've ever been on?

The dream holidays of many take place on the high seas, with many eager travellers keen to reflect on their favourite voyages. We asked our readers what their most memorable cruise was, for either good or bad reasons, and the response was overwhelming. Here's what you said. Kate Oz - European river cruise was fabulous. Jean Murray Cure - Coming to Australia as a migrant and a Christmas cruise to New Caledonia. Loved them both! Carol Hanson - Christmas cruise. Fantastic atmosphere on board. Brenda Glass Brooks - When I slipped on a wet surface and cracked my L2 excruciating pain, arrived home and ended up in hospital where I was told I also had COVID. Will never ever cruise again. Geraldine Bayles - The Holland America, 10 day Roman Empire cruise on the Noordam 2012. Every day was an adventure! On board entertainment fantastic! Smooth sailing. Linda Woods - NZ on Queen Elizabeth. The best ship we've been on. Cheryl Barrett - Loved cruising from Vancouver to Alaska. It was mind blowing. Rhonda Moffitt - 4 years ago. 1st day, ship didn't leave Port as conditions of heat & wind were severe. 2nd day, weather too severe to visit Kangaroo Island so day spent at sea. 3rd day, Port Lincoln as scheduled. 4th day, Phillip Island hit by a severe storm and spent 2 hours on tender which could not dock and offload passengers back on ship. That night Penguin Parade excursion cancelled due to bad weather. <div> <div dir="auto">This was my first cruise, a taster for my future retirement. Princess cruise had no offer for credits and, I know weather is unpredictable, but a totally disappointing experience.</div> Dianne Whitton - 2013 World Cruise on the Sea Princess. It was good. The best was 2016 Circle Pacific. Too bad Princess doesn't put it on any more. Cheryl Quested - Windstar cruise in Tahiti was the best. Heather Dixon - Hurricane cruise in Norway, absolutely the most stunning scenery. Image credits: Shutterstock </div>

Cruising

Sombre Aussie site tops global list of most unusual abandoned places

Each year, thousands of people travel to famous abandoned buildings and hotspots to explore what were once important landmarks. Some deserted sites are more popular than others, as these ten sites received tens of thousands of visitors each year. Buzludzha, Bulgaria The Buzludzha Monument in central Bulgaria has been dubbed the tenth most famous abandoned place in the world, each year welcoming over 18,000 people. The site was constructed in 1981 and used by the Bulgarian communist government, and was in use until the collapse of the Soviet Union in 1989. Ohio State Reformatory, USA After first opening in 1898, the goal of the Ohio State Reformatory was to truly "reform" and rehabilitate its inmates. The facility was closed in 1990, and each year attracts more than 21,000 visitors. Gereja Ayam, Indonesia The uniquely shaped house of prayer in Central Java continues to be a popular tourist attraction in Indonesia, welcoming more than 50,000 travellers each year. Construction on the church was never completed after work was halted in 2000. Lago di Resia Bell Tower, Italy The 14-century sunken bell tower can be found near the border of Switzerland, emerging from the water from a sunken village where travellers claim they can hear bells tolling, even though there are no bells in the tower. The lonely (and probably haunted) tower receives more than 54,000 tourists each year. Canfranc, Spain The abandoned railway station is located in the Spanish municipality of Canfranc, close to the French border and once was a major hub for cross-border railway traffic. It first opened in 1928, but closed its doors by 1970 before it was reimagined as a hotel. Beelitz Military Hospital, Germany The large hospital complex was first built in 1898 as a sanatorium, but was transformed into a hospital at the beginning of WWI and has been abandoned since 1990. It's understood Hitler was treated here after being wounded in the Battle of Somme, which could be the reason more than 64,000 travellers flock there each year. Eastern State Penitentiary, USA The prison in Philadelphia, Pennsylvania is described as one of the country's most historic prisons and has housed some famous prisoners such as Al Capone. The prison was closed in 1971 and is tagged on social media by more than 79,000 every year. Croix-Rouge, Paris Also known as the Red Cross, this Paris train station has been abandoned since 1939 after France entered WWII. The station was only functional for 16 years, and welcomes more than 95,000 curious travellers each year. Teufelsberg, Germany Teufelsberg was one of the largest listening towers in the world during the Cold war. The site was closed in 1972, but still receives around 128,000 every year. Port Arthur, Australia More than a quarter of a million visitors travel to Port Arthur in Tasmania each year. The site itself was first opened as a timber station in 1830 and is known as a symbol of the country's convict past. Image credits: Shutterstock

International Travel

The most LGBTQ+ friendly travel destinations

As people in the LGBTQ+ community continue to face discrimination, some countries are more open and friendly to queer people. For queer travellers, there are a lot of factors to weigh up when deciding on an international travel destination, with safety always at the forefront. Luckily, <a href="https://news.booking.com/from-planning-to-personas-bookingcom-research-reveals-how-lgbtq-travelers-are-taking-control-of-their-trips/">Booking.com</a> has revealed its latest LGBTQ+ travel research, which includes the destinations that are openly accepting of gay couples, and also the places that are unsafe for queer people to be themselves. More than half (53 per cent) of Australian LGBTQ+ travellers have experienced discrimination when travelling, rising to 62 per cent for travellers across Asia-Pacific. One in four travellers say they've cancelled a trip in the past year if they've seen a destination be unsupportive of its LGBTQ+ residents and feel their safety could be in jeopardy. It’s not all bad news for queer travellers, as the travel site also compiled a top ten list of LGBTQ+ friendly destinations. Check out the list below. 10. Stockholm, Sweden 9. São Paulo, Brazil 8. Melbourne, Australia 7. Montreal, Canada 6. New Orleans, Louisiana, USA 5. Munich, Germany 4. Chamonix, France 3. Bologna, Italy 2. Bogota, Colombia 1. Amsterdam, The Netherlands Image credits: Shutterstock

International Travel

Most sustainable travel destinations

If you’re wanting to be more environmentally friendly while travelling, there are some must visit destinations to add to your travel bucket list. To help you find the greenest countries to make you feel good about your next holiday, a new study by <a href="https://www.arka.com/">AKRA</a> has listed more than 50 cities to create a ranking of the world's top sustainable destinations in 2024. Each city was judged based on three main criteria: the percentage of green spaces, bike friendliness, and tram network coverage. Additional criteria such as the country's Sustainability Score, Percentage of Renewable Energy Use, Electric Vehicle Usage, and CO2 Emissions per Capita, was also taken into account. While the list was largely dominated by European destinations, one Australian country also cracked the top ten list. Check out the list below. 10. Copenhagen, Denmark 9. Oslo, Norway 8. Helsinki, Finland 7. Prague, Czech Republic 6. Seoul, South Korea 5. Bern, Switzerland 4. Utrecht, The Netherlands 3. Melbourne, Australia 2. Warsaw, Poland 1. Berlin, Germany Image credits: Shutterstock

International Travel

Australia's most trusted brands for 2024 revealed

Despite the rise in cost-of-living, there are some brands that Aussies continue to have confidence in, and are willing to spend their money on. Over 4,000 Australians were surveyed by market research agency Catalyst, who were commissioned by Reader's Digest, and they were asked to choose the brands they trusted the most across nearly 70 different categories. "It's been a very challenging few years, but ultimately our category winners share a key common trait," Catalyst Research director Cameron Gentle said. "They consistently deliver on their promise. People have an expectation of what they're going to get, and the particular product or organisation delivers what they're after. Time and again." The survey, now in its 25th year, has crowned Bunnings as the ‘most iconic’ retailer and the fourth most trusted brand. Other noteworthy winners include Singapore Airlines for the most trusted brand to fly with, Panadol for pain relief, and Toyota for cars. Dettol was ultimately crowned the most trusted brand, earning the number one spot. "Since its humble beginnings in 1935, when Dettol Antiseptic Liquid was used as a post-surgery antiseptic skin wash in hospitals, Dettol has evolved to become the trusted brand in germ protection around the home," Readers Digest wrote. Check out the list of Australia's top 20 most trusted brands below: 20. Yates 19. Finish 18. Lipton 17. Woolworths 16. Weet-bix 15. Selleys 14. Glen 20 13. Dairy Farmers 12. Royal Flying Doctors Service 11. Weber 10. Bega 9. Toyota 8. Panadol 7. Bridgestone 6. Cancer Council 5. Dulux 4. Bunnings 3. Cadbury 2. Band-Aid 1. Dettol Image: Trusted Brands

Money & Banking

4 anti-ageing mistakes most women make

While there’s no denying it, wrinkles are just part of the natural ageing process, there are some mistakes we all make that will speed up the ageing process. So if you want to keep your youthful glow for longer, be sure to avoid these beauty blunders. Skipping sunscreen READ CAREFULLY: Sunscreen IS THE ultimate anti-ageing tool. Even when it’s not beach-worthy weather outside, but the sun’s UV rays can still damage your skin. This is namely photoageing, the wrinkling, spotting and loss of elasticity caused by exposure to sun. So as part of your daily routine, make sure you slip, slap, slop. Rubbing tired eyes While we’re all guilty of this seemingly harmful action, did you know that simply rubbing your eyes will stretch delicate skin and may cause it to slacken? The skin around our eyes and on our eyelids is the most sensitive and least elastic on our face and the most vulnerable... so keep your fingers away. Skimping on sunglasses As well as being a fashionable accessory, sunglasses also do wonders to minimize lines around your eyes. Shading your eyes from the sun’s glare prevents squinting and crow's feet wrinkles, of course, but it also shields delicate skin from the destructive onslaught of UV rays. Make sure you opt for a pair with UV protection. Neglecting your neck, chest and hands The delicate skin of these areas lack the oil glands of other areas of skin, which results in dryness and accelerated aging. Plus, these areas are often fraught with sunscreen neglect. As well as remembering to apply sunscreen to these areas you should also pay attention to them by applying an anti-ageing serum. Image credits: Shutterstock

Beauty & Style

"The most gorgeous family": Tributes flow for slain mother and daughter

Police are continuing their investigation into the tragic deaths of Jennifer Petelczyc and her daughter Gretel, who were shot dead in their own home by a 63-year-old man. The mother and daughter were killed on Friday, when the man was allegedly searching for his ex-partner before he fatally shot the pair in their home at Floreat, north-west of the Perth CBD. Since their tragic deaths, loved ones and members of the community have come out in droves to pay their respects. "They're the most gorgeous family and it's absolutely just heartbreaking that this has happened," said family friend Imogen Harrris. She added the slain mum, 59, and her 18-year-old daughter were the "kindest, most light-hearted, beautiful people". Neighbour Claire Andrews remembered them as people who "always gave back to the community". Jennifer Petelczyc was known to be a caring and generous member of the community, as she installed a $5,000 defibrillator to be installed outside her home for local people to use in a health emergency. According to police, the man who allegedly killed the mother and daughter, Mark Bombara, was a licensed firearms owner who possessed at least 13 guns and took multiple firearms to the Floreat home as he searched for his ex-wife, who detectives say was a friend of Jennifer. It is understood that Bombara’s wife left him weeks ago and had been staying with Ms Petelczyc. Officers confirmed the man's former partner was not at the home but the two women were tragically killed. WA's Premier Roger Cook has described the murders as "chilling and horrific", saying, "This is a circumstance in which a woman has sought refuge from a friend. It would appear that as a result of that, that friend and her daughter have come to harm." "They're innocent people ... simply doing what we'd all want someone to do when we're facing difficult circumstances. By every measure it looks senseless, chilling and absolutely horrific." "I think we need to take the opportunity today ... to reflect on it and think about how we can all continue to make the world a safer place." Image credits: 9News

Caring

World's most disappointing tourist hotspots revealed

While many travellers tend to flock to must-see tourists attractions while exploring somewhere new on their holiday, it turns out not everyone is impressed with the hype. A host of scathing online reviews have targeted landmarks such as Stonehenge, the Eiffel Tower, the Leaning Tower of Pisa and even Bondi Beach, calling the sites "unimpressive", "boring" and "pointless". According to travellers, there are 15 tourist hotspots that don't live up to the hype, with many leaving the destinations feeling disappointed. Mona Lisa - Paris, France One of the most "disappointing" attractions, according to travellers, is da Vinci's masterpiece the Mona Lisa, which hangs in the Louvre in the French capital city. According to online reviews, nearly four in ten (37.1 per cent) visitors posted negative comments about visiting the work, saying it did not live up to their expectations. One review left on TripAdvisor described the experience as "a bit boring", adding, "The Mona Lisa was very small and not as beautiful as I thought it would be." Several other reviews stated how irritating the experience of actually seeing the artwork was, with one person claiming the Louvre had a "zoo-like atmosphere". The Eiffel Tower - Paris, France Tourists visiting France were double disappointed, after also being let down by the iconic Eiffel Tower, which many described as "not a very special place... it's just an iron building." "It's boring, nothing special about it. You have to wait in a long queue just to go up and take pictures," another person wrote. Others claimed the landmark is nothing but a "tourist trap", claiming it is "seriously underwhelming". Stonehenge - England For many, Stonehenge continues to be a wonder of mystery, as one of the most architecturally sophisticated ancient stone sculptures in the world, but for others, it's just a "big disappointment". One reviewer went so far as to say it was the "biggest disappointment of my life", saying, "I was expecting so much more. Do not waste your time people. The only magical thing about this place is that somehow it has the power to draw people on to look at it." Another person put simply, "It's a pile of rocks. Pointless." The Leaning Tower of Pisa - Italy While many tourists visiting Italy opt to check out the famous leaning tower, others tend to lean away from it, calling it a "tourist trap". One person reviewed the famous landmark, saying, "It's literally just a leaning tower. I wouldn’t make a stop here just to see it. It is overly crowded and hot in the summertime." Others claim they were hassled by countless street sellers, writing, "The whole area is crawling with at times aggressive street hawkers who feel it is OK to keep hassling and trying to sell you tourist crap." Checkpoint Charlie - Berlin, Germany Set up as a reminder of the former border crossing and the partition between East and West Berlin during the Cold War, Checkpoint Charlie is often known as a must-see spot. However, others have been left feeling let down by the historic spot. One traveller rated the site just one star, writing, "The only place in Berlin where we encountered street traders who were deeply unpleasant. The museum is overpriced and very tired. The whole area was uninspiring and a complete waste of our time." The Empire State Building - New York City, USA Every year, thousands of people pay to head to the top of the iconic Empire State Building to catch a glimpse of the New York City skyline. However, given the over-crowding of the observation platform and the hefty cost to enter, many have left feeling "underwhelmed" and "ripped-off". One person reviewed the landmark, writing, "Wow! What a waste of $185 for a family of three to struggle to fight our way to finally see a view obscured by a metal crisscross railing. Long lines, rude staff, cheesy "museum", and overpriced. It's as bad as an amusement park." Bondi Beach - Sydney, Australia A trip to Bondi Beach is often at the top of a tourist's travel itinerary when heading Down Under for the first time. But as the beach gains popularity, travellers have been increasingly underwhelmed by the picturesque beach given the over-crowding. One review read, "The beach is all the hype and show but it's like having a bath with your entire family and a dozen strangers. It's packed on any normal day and should be regulated with a fence line and tickets so it's not like cramming sardines into a can." Image credits: Getty Images

Travel Trouble

World's most expensive house up for sale

A French chateau, once owned by a member of the Rothschild family and, later on, the King of Morocco, has gone up for sale with a £363 million (AU$699) price tag. Chateau d’Armainvilliers located at Seine-et-Marne, 48km east of the Eiffel Tower, is the world's most expensive home. Built upon the foundations of a 12th century castle, the sprawling mansion boasts 1,000 hectares of land, 100 rooms across 2,500 square metres of living space, a private lake, and plenty of sequoia trees - the largest trees in the world. Ignace Meuwissen, a self-acclaimed "real estate advisor to the global elite" described the property as a display of "opulence and grandeur". "It is the most expensive castle in France and perhaps in the world. The price of €425million is justified by the property itself but also by the 1,000 hectare land which offers numerous possibilities," he told Paris Match magazine. "An investor could build thousands of apartments there if he wanted." The chateau was first bought by the Rothschild banking empird in the late 19th century, before King Hassan II of Morocco bought it in the 1980s. He then made the chateau more fit for a king, adding a hammam spa, a beauty and hairdressing salon, and a fully-equipped medical and dental facility. The Moroccan King also added a basement level, which has a network of tunnels, kitchens, cold rooms, storage spaces and staff quarters. The lucky owner will also find Moroccan mosaics and wall tiles decorating the home, and for any avid equestrians, the home also has a stable big enough for 50 horses. However, some luxury property agents have expressed their doubts on whether the property would sell with its nine-figure sum, with one saying it was an "unrealistic" price tag. "It doesn’t make sense, it’s absurd Properties of this type could sell for 20-25 million, or even 30 million if we really fall in love with them. I’m not even sure that Vaux-le-Vicomte (a Baroque French château), which has no marketing plans, would sell at this price," one agent told French real estate publication Le Figaro Immobilier. Others were unsure whether the changes made by the King in the 1980s would suit modern tastes. Images: Whisper Auctions

Real Estate

The most boring tourist attractions in the world revealed

Nobody wants waste their time and energy visiting a boring attraction while travelling, so a new study has analysed 66.7 million Google reviews and compiled a list of the top 100 most boring attractions across the globe so you can enjoy a holiday free from the mundane. The study conducted by Solitaired, was based on 3,290 popular tourist attractions worldwide spanning 384 cities across 71 different countries. A boredom score was calculated for each site, based on 11 keywords indicative of tiresome, lifeless and boring impressions. At the top of the list was Branson Scenic Railway in Missouri, with a boredom score of five out of five. The heritage railroad departs from an old depot in downtown Branson and travels through part of the Ozark Mountains on a 40-mile round trip. While some praised the beautiful foliage, others were unimpressed by the views "limited to trees on both sides of the train." Illuminarium Atlanta, in Georgia U.S. came in second place, with a boredom score of 4.5, with one reviewer saying that it was "cool for about the first 15 minutes" and "after that… just boring." In third place is Tennessee's Jurassic Jungle Boat Ride, an indoor attraction that takes visitors through a river passing artificial cave sets, waterfalls and mechanical dinosaurs, which scored 3.7 on the boredom scale. Australia's least interesting attraction, which came in 16th on the list and scored 2.5 on the boredom scale, is the WA Museum Boola Bardip in Perth, which tells stories of WA through interactive exhibits. This is followed by the Legoland Discovery Centre in Melbourne, which ranked 24th on the list and had a score of 2.3 The Museum of Sydney came in 32nd place, with a score of 2.2, while the Museum of Transport and Technology in Auckland, New Zealand came in 54th place with a score of 2.1. Check out the full list <a href="https://www.dailymail.co.uk/travel/article-13310853/Most-boring-attractions-world-Shrek-Adventure-London.html" target="_blank" rel="noopener">here</a>. Image: Getty

International Travel

The world's most promiscuous countries revealed

An analysis of the world's sexual habits has revealed the top 10 most promiscuous countries in the world and Turkey came in first. The average Turk has slept with more than 14 people according to the World Population Review, with Australia coming in a close second with the average Aussie having slept with more than 13 people, according to the New York Post. “The average number of sexual partners can vary significantly from country to country, as cultural norms can have a significant impact on the number of people someone has sex with,” the website declared. Their figures were based on a compilation of “datasets from multiple third party sources.” Turkey's top spot may be surprising to some, with most residents being muslim and the country is widely conceived to have traditional views when it comes sex and relationships. New Zealand came in at third, with a similar number to Australia, followed by Iceland and South Africa. Countries thought to have more liberal views on sex, such as Brazil and France, were lower down the list, with the average Brazilian sleeping with nine people putting them in 25th place, while France clocked in 29th position. The United States clocked in 13th place, with Americans sleeping with an average of 10.7 people. Here's the Top 10 most promiscuous countries: 1. Turkey (14.5 people) 2. Australia (13.3) 3. New Zealand (13.2) 4. Iceland (13.0) 5. South Africa (12.5) 6. Finland (12.4) 7. Norway (12.1) 8. Italy (11.8) 9. Sweden (11.8) 10. Switzerland (11.1) Image: Getty

International Travel

Stay or go? Most older Australians want to retire where they are, but renters don’t always get a choice

<a href="https://theconversation.com/profiles/christopher-phelps-378137">Christopher Phelps</a>, <a href="https://theconversation.com/institutions/curtin-university-873">Curtin University</a>; <a href="https://theconversation.com/profiles/rachel-ong-viforj-113482">Rachel Ong ViforJ</a>, <a href="https://theconversation.com/institutions/curtin-university-873">Curtin University</a>, and <a href="https://theconversation.com/profiles/william-clark-1488932">William Clark</a>, <a href="https://theconversation.com/institutions/university-of-california-los-angeles-1301">University of California, Los Angeles</a> As Australia’s population gets older, more people are confronted with a choice: retire where they are or seek new horizons elsewhere. Choosing to grow old in your existing home or neighbourhood is known as “ageing in place”. It enables older people to stay connected to their community and maintain familiarity with their surroundings. For many, the decision to “age in place” will be tied to their connection to the family home. But for many, secure and affordable housing is increasingly <a href="https://theconversation.com/ageing-in-a-housing-crisis-growing-numbers-of-older-australians-are-facing-a-bleak-future-209237">beyond reach</a>. This choice may then be impeded by a lack of suitable accommodation in their current or desired neighbourhoods. Our recently published <a href="https://doi.org/10.1177/01640275231209683">study</a> asks what motivates older homeowners and renters to age in place or relocate, and what factors disrupt these preferences. It suggests older renters are often not given a fair choice. <h2>Most older Australians want to age in place</h2> Having the option to age in place enables older people to retain autonomy over their lifestyles and identity, promoting emotional wellbeing. Using 20 years of data from the government-funded Household, Income and Labour Dynamics in Australia (HILDA) survey, we tracked the preferences of Australians aged 55 and over. Encouragingly, most older Australians are already where they want to be. Two-thirds (67%) of respondents strongly preferred to stay in their current neighbourhood, and an additional one-fifth (19%) had a moderate preference to stay. Only 6% showed a moderate or strong desire to leave. Ageing in place is then the natural choice for a vast majority of older Australians. <iframe id="s3LTM" class="tc-infographic-datawrapper" style="border: none;" src="https://datawrapper.dwcdn.net/s3LTM/1/" width="100%" height="400px" frameborder="0"></iframe> Our study highlights several motivations for people to stay put as they retire. For homeowners, family ties matter. Owners with children residing nearby were around one and a half times more likely to have a higher preference to stay. Older owners might then have a reason to call on their substantial <a href="https://theconversation.com/the-housing-wealth-gap-between-older-and-younger-australians-has-widened-alarmingly-in-the-past-30-years-heres-why-197027">housing wealth</a> and keep their children nearby via the <a href="https://360info.org/how-to-help-the-young-buy-a-home/">“bank of mum and dad”</a>. For renters, how long they stay is important. Those renting their home for 10 years or more were 1.7 times more likely to have a higher preference to stay than short-term renters. <h2>Renters face the most disruption</h2> The survey enabled us to follow where older people lived a year after they provided their preferences. This helped us gauge how often they turned their desires into reality. The chart below indicates that private renters face greater obstacles to ageing in place. Around one in 10 private renters that desired to age in place were disrupted – they wanted to stay in their neighbourhood but didn’t. This suggests they moved out of their neighbourhood involuntarily. Only 2% of homeowners and social renters experienced the same disruption. However, for those in these tenures that did not desire to age in place, involuntary immobility was a greater concern. Only 15% of those that wanted to leave succeeded, leaving the vast majority “stuck in place”. <iframe id="IlliV" class="tc-infographic-datawrapper" style="border: none;" src="https://datawrapper.dwcdn.net/IlliV/1/" width="100%" height="400px" frameborder="0"></iframe> The private rental market is the least secure of tenures, and so private tenants are often exposed to involuntary moves. Australia’s private rental system is lightly regulated compared to many other countries, creating tenure insecurity concerns. On the other hand, social renters were particularly susceptible to involuntary immobility. Social housing is scarce in Australia and subject to <a href="https://theconversation.com/its-soul-destroying-how-people-on-a-housing-wait-list-of-175-000-describe-their-years-of-waiting-210705">lengthy waiting lists</a>. A neighbourhood move often requires transferring to the less affordable and less secure private rental housing. Even after considering financial status, social renters were four times as likely to be stuck as compared to private renters. Social tenants are strongly deterred from moving in the current system. <h2>How can we support older Australians’ preferences?</h2> Our study exposes some barriers in the housing system that hinder people from being able to age in place, or move when they want to. Clearly, older renters enjoy fewer protections against disruptions to their preferences to age in place than older owners. For private renters, tenure insecurity in the <a href="https://theconversation.com/insecure-renting-ages-you-faster-than-owning-a-home-unemployment-or-obesity-better-housing-policy-can-change-this-216364">private rental sector</a> is a key reform priority. This can be achieved through stronger regulation that improves tenants’ rights. For example, more states could adopt <a href="https://theconversation.com/how-5-key-tenancy-reforms-are-affecting-renters-and-landlords-around-australia-187779?utm_source=twitter&utm_medium=bylinetwitterbutton">recent regulatory rental reforms</a> that support the rights of pet owners and protect against no-grounds evictions. Large numbers of older private renters also face severe <a href="https://www.oldertenants.org.au/publications/ageing-in-a-housing-crisis-older-peoples-housing-insecurity-homelessness-in-australia">rental stress</a>, which may force them to move from their preferred neighbourhood. <a href="https://theconversation.com/1-billion-per-year-or-less-could-halve-rental-housing-stress-146397">Commonwealth rent assistance reform</a> would alleviate some of this stress through an increase in rates and better targeting. An increase in the supply of social housing would play an important role in improving both tenure security and housing affordability. Older social renters enjoy fewer obstacles to ageing in place than older private renters. However, if social renters want to move into the private rental market to relocate, they face difficulty securing accommodation. This will likely discourage moves as it would require sacrificing the tenure security offered by social housing. However, policy initiatives that improve the <a href="https://www.ahuri.edu.au/sites/default/files/migration/documents/PES-358-Lessons-from-public-housing-urban-renewal-evaluation.pdf">quality of the public housing stock</a> can reduce feelings of being stuck. As <a href="https://www.aihw.gov.au/reports/australias-welfare/home-ownership-and-housing-tenure">homeownership rates decline</a> both among young people and those nearing retirement, we can expect the population of older renters to grow. Overall, our findings support a strong case for policy reform in the rental sectors to address the needs and preferences of older renters.<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/218024/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/christopher-phelps-378137">Christopher Phelps</a>, Research Fellow, School of Accounting, Economics and Finance, <a href="https://theconversation.com/institutions/curtin-university-873">Curtin University</a>; <a href="https://theconversation.com/profiles/rachel-ong-viforj-113482">Rachel Ong ViforJ</a>, ARC Future Fellow & Professor of Economics, <a href="https://theconversation.com/institutions/curtin-university-873">Curtin University</a>, and <a href="https://theconversation.com/profiles/william-clark-1488932">William Clark</a>, Research Professor of Geography, <a href="https://theconversation.com/institutions/university-of-california-los-angeles-1301">University of California, Los Angeles</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/stay-or-go-most-older-australians-want-to-retire-where-they-are-but-renters-dont-always-get-a-choice-218024">original article</a>.

Retirement Income

Surprising causes of most deaths on Australia’s beaches

Worried about sharks at the beach? Turns out these fearsome fish are not the biggest killers on Australia’s coastline when it comes to non-drowning deaths. <div class="copy"> Instead, depending on a person’s age, it’s more likely that a heart problem or misadventure will lead to mortality, according to research from Surf Life Saving Australia, whose red-and-gold clad patrol teams provide patrol and rescue services for beaches across the country. More than half of non-drowning deaths in the decade between July 2012 and June 2022 were caused by cardiac-related conditions. These accounted for 319 of the 616 deaths along Australia’s coasts. Traumatic and collision injuries – such as blunt force trauma – were the next most common cause of death, accounting for fewer than 1 in 6 deaths. Falls accounted for 1 in 10 fatalities, with marine animal interactions 1 in 20. But the data has other insights beyond cause of death. Males were far more likely to be killed on the coast; victims in almost 9 out of 10 cases. And while people aged over 50 account for most deaths, primarily through cardiac conditions, those below the age of 50 are overrepresented in all other mortality cases. This, the researchers say, is an important consideration when interpreting the data, as deaths from any cause are highest among older people. “Our research showed that males were 5.2 times more likely to die than females, with younger populations found to die disproportionately along the coast with the primary causes being falls and traumatic/collision injuries,” says the study’s lead researcher, Sean Kelly. Kelly and the other SLSA researchers point to those all-cause mortality comparisons. People aged 70+ have 118 times greater all-cause death rate than people aged 16-24. But when looking at non-drowning coastal deaths, it’s only 6 times greater, highlighting disproportionate deaths among young people in these environments. They suggest this is due to higher levels of coastal visitation and the type of activities young people participate in. Where a person lives also matters. “Those living in or visiting rural and remote areas were also found to be at higher risk, largely due to poorer access to services and longer incident response times,” Kelly says. “<a href="https://cosmosmagazine.com/nature/marine-life/shark-attack-triggers-shark-cul/">While sharks are often top-of-mind for those visiting the beach</a>, all marine creatures including sharks and jellyfish only made up 5% of non-drowning deaths and less than 2% of overall coastal deaths.” The study was <a href="https://doi.org/10.1016/j.anzjph.2023.100113" target="_blank" rel="noreferrer noopener">published</a> in the Australian and New Zealand Journal of Public Health. Image credits: Getty Images <div> <noscript data-spai="1"><img decoding="async" class="aligncenter size-full wp-image-198773" src="https://cdn.shortpixel.ai/spai/q_lossy+ret_img+to_auto/cosmosmagazine.com/wp-content/uploads/2023/12/MICROSCOPIC-TO-TELESCOPIC__Embed-graphic-720x360-1.jpg" data-spai-egr="1" width="600" alt="Buy cosmos print magazine" title="surprising causes of most deaths on australia’s beaches 2"></noscript> </div>  <img id="cosmos-post-tracker" style="opacity: 0; height: 1px!important; width: 1px!important; border: 0!important; position: absolute!important; z-index: -1!important;" src="https://syndication.cosmosmagazine.com/?id=300638&title=Surprising+causes+of+most+deaths+on+Australia%E2%80%99s+beaches" width="1" height="1" loading="lazy" aria-label="Syndication Tracker" data-spai-target="src" data-spai-orig="" data-spai-exclude="nocdn" /><a href="https://cosmosmagazine.com/australia/surprising-causes-of-most-deaths-on-australias-beaches/">This article</a> was originally published on <a href="https://cosmosmagazine.com">Cosmos Magazine</a> and was written by <a href="https://cosmosmagazine.com/contributor/matthew-agius/">Matthew Ward Agius</a>. Matthew Agius is a science writer for Cosmos Magazine.</div>

Domestic Travel

What are the most common symptoms of menopause? And which can hormone therapy treat?

<a href="https://theconversation.com/profiles/susan-davis-10376">Susan Davis</a>, <a href="https://theconversation.com/institutions/monash-university-1065">Monash University</a> Despite decades of research, navigating menopause seems to have become harder – with conflicting information on the internet, in the media, and from health care providers and researchers. Adding to the uncertainty, a recent <a href="https://www.thelancet.com/journals/lancet/article/PIIS0140-6736(24)00462-8/fulltext">series in the Lancet</a> medical journal challenged some beliefs about the symptoms of menopause and which ones menopausal hormone therapy (also known as hormone replacement therapy) can realistically alleviate. So what symptoms reliably indicate the start of perimenopause or menopause? And which symptoms can menopause hormone therapy help with? Here’s what the evidence says. <h2>Remind me, what exactly is menopause?</h2> Menopause, simply put, is complete loss of female fertility. Menopause is traditionally defined as the final menstrual period of a woman (or person female at birth) who previously menstruated. Menopause is diagnosed after 12 months of no further bleeding (unless you’ve had your ovaries removed, which is surgically induced menopause). Perimenopause starts when menstrual cycles first vary in length by seven or more days, and ends when there has been no bleeding for 12 months. Both perimenopause and menopause are hard to identify if a person has had a hysterectomy but their ovaries remain, or if natural menstruation is suppressed by a treatment (such as hormonal contraception) or a health condition (such as an eating disorder). <h2>What are the most common symptoms of menopause?</h2> <a href="https://srh.bmj.com/content/early/2024/02/21/bmjsrh-2023-202099.long">Our study</a> of the highest quality menopause-care guidelines found the internationally recognised symptoms of the perimenopause and menopause are: <ul> <li>hot flushes and night sweats (known as vasomotor symptoms)</li> <li>disturbed sleep</li> <li>musculoskeletal pain</li> <li>decreased sexual function or desire</li> <li>vaginal dryness and irritation</li> <li>mood disturbance (low mood, mood changes or depressive symptoms) but not clinical depression.</li> </ul> However, none of these symptoms are menopause-specific, meaning they could have other causes. In <a href="https://journals.lww.com/menopausejournal/abstract/2015/07000/moderate_to_severe_vasomotor_and_sexual_symptoms.6.aspx">our study of Australian women</a>, 38% of pre-menopausal women, 67% of perimenopausal women and 74% of post-menopausal women aged under 55 experienced hot flushes and/or night sweats. But the severity of these symptoms <a href="https://journals.lww.com/menopausejournal/abstract/2015/07000/moderate_to_severe_vasomotor_and_sexual_symptoms.6.aspx">varies greatly</a>. Only 2.8% of pre-menopausal women reported moderate to severely bothersome hot flushes and night sweats symptoms, compared with 17.1% of perimenopausal women and 28.5% of post-menopausal women aged under 55. So bothersome hot flushes and night sweats appear a reliable indicator of perimenopause and menopause – but they’re not the only symptoms. Nor are hot flushes and night sweats a western society phenomenon, as has been suggested. Women in Asian countries are <a href="https://journals.lww.com/menopausejournal/fulltext/2022/05000/prevalence,_severity,_and_associated_factors_in.9.aspx">similarly affected</a>. Depressive symptoms and anxiety are also often linked to menopause but they’re less menopause-specific than hot flushes and night sweats, as they’re common across the entire adult life span. The <a href="https://srh.bmj.com/content/early/2024/02/21/bmjsrh-2023-202099.long">most robust guidelines</a> do not stipulate women must have hot flushes or night sweats to be considered as having perimenopausal or post-menopausal symptoms. They acknowledge that new mood disturbances may be a primary manifestation of <a href="https://www.cell.com/cell/abstract/S0092-8674(23)00905-4?_returnURL=https%3A%2F%2Flinkinghub.elsevier.com%2Fretrieve%2Fpii%2FS0092867423009054%3Fshowall%3Dtrue">menopausal hormonal changes</a>. The extent to which menopausal hormone changes impact memory, concentration and problem solving (frequently talked about as “brain fog”) is uncertain. <a href="https://www.tandfonline.com/doi/full/10.1080/13697137.2022.2122792">Some studies</a> suggest perimenopause may impair verbal memory and resolve as women transition through menopause. But strategic thinking and planning (executive brain function) <a href="https://www.tandfonline.com/doi/full/10.1080/13697137.2022.2122792">have not been shown to change</a>. <h2>Who might benefit from hormone therapy?</h2> The Lancet papers <a href="https://www.thelancet.com/journals/lancet/article/PIIS0140-6736(24)00462-8/fulltext">suggest</a> menopause hormone therapy <a href="https://www.thelancet.com/journals/lancet/article/PIIS0140-6736(23)02799-X/fulltext">alleviates</a> hot flushes and night sweats, but the likelihood of it improving sleep, mood or “brain fog” is limited to those bothered by vasomotor symptoms (hot flushes and night sweats). In contrast, the highest quality <a href="https://srh.bmj.com/content/early/2024/02/21/bmjsrh-2023-202099.long">clinical guidelines</a> consistently identify both vasomotor symptoms and mood disturbances associated with menopause as reasons for menopause hormone therapy. In other words, you don’t need to have hot flushes or night sweats to be prescribed menopause hormone therapy. Often, menopause hormone therapy is prescribed alongside a topical vaginal oestrogen to treat vaginal symptoms (dryness, irritation or urinary frequency). However, none of these guidelines recommend menopause hormone therapy for cognitive symptoms often talked about as “brain fog”. Despite musculoskeletal pain being the most common menopausal symptom in <a href="https://journals.lww.com/menopausejournal/abstract/2016/07000/prevalence_and_severity_of_vasomotor_symptoms_and.6.aspx">some populations</a>, the effectiveness of menopause hormone therapy for this specific symptoms still needs to be studied. Some guidelines, such as an <a href="https://www.tandfonline.com/doi/full/10.1080/13697137.2023.2258783">Australian endorsed guideline</a>, support menopause hormone therapy for the prevention of osteoporosis and fracture, but not for the prevention of any other disease. <h2>What are the risks?</h2> The greatest concerns about menopause hormone therapy have been about breast cancer and an increased risk of a deep vein clot which might cause a lung clot. Oestrogen-only menopause hormone therapy is <a href="https://www.nice.org.uk/guidance/ng23">consistently considered</a> to cause little or no change in breast cancer risk. Oestrogen taken with a progestogen, which is required for women who have not had a hysterectomy, <a href="https://www.moh.gov.my/moh/resources/Penerbitan/CPG/Women%20Health/CPG_Management_of_Menopause_2022_e-version-1.pdf">has been associated with a small increase</a> in the risk of breast cancer, although any <a href="https://www.bmj.com/content/bmj/371/bmj.m3873.full.pdf">risk appears to vary</a> according to the type of therapy used, the dose and duration of use. Oestrogen taken orally has also been associated with an increased risk of a deep vein clot, although the risk varies according to the formulation used. This risk is avoided by using estrogen patches or gels <a href="https://www.bmj.com/content/bmj/364/bmj.k4810.full.pdf">prescribed at standard doses</a> <h2>What if I don’t want hormone therapy?</h2> If you can’t or don’t want to take menopause hormone therapy, there are also effective non-hormonal prescription therapies available for troublesome hot flushes and night sweats. In Australia, most of these options are “off-label”, although the new medication <a href="https://australianprescriber.tg.org.au/articles/management-of-menopause.html">fezolinetant</a> has just been <a href="https://www.tga.gov.au/resources/artg/401401">approved</a> in Australia for postmenopausal hot flushes and night sweats, and is expected to be available by mid-year. Fezolinetant, taken as a tablet, acts in the brain to stop the chemical neurokinin 3 triggering an inappropriate body heat response (flush and/or sweat). Unfortunately, most over-the-counter treatments promoted for menopause are either <a href="https://srh.bmj.com/content/early/2024/02/21/bmjsrh-2023-202099.long">ineffective or unproven</a>. However, cognitive behaviour therapy and hypnosis <a href="https://journals.lww.com/menopausejournal/abstract/2023/06000/the_2023_nonhormone_therapy_position_statement_of.4.aspx">may provide symptom relief</a>. The Australasian Menopause Society has useful <a href="https://www.menopause.org.au/health-info/fact-sheets">menopause fact sheets</a> and a <a href="https://www.menopause.org.au/health-info/find-an-ams-doctor">find-a-doctor</a> page. The <a href="https://www.tandfonline.com/doi/full/10.1080/13697137.2023.2258783">Practitioner Toolkit for Managing Menopause</a> is also freely available.<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/225174/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/susan-davis-10376">Susan Davis</a>, Chair of Women's Health, <a href="https://theconversation.com/institutions/monash-university-1065">Monash University</a> Image credits: Getty Images This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/what-are-the-most-common-symptoms-of-menopause-and-which-can-hormone-therapy-treat-225174">original article</a>.

Body

Only walking for exercise? Here’s how to get the most out of it

<a href="https://theconversation.com/profiles/ken-nosaka-169021">Ken Nosaka</a>, <a href="https://theconversation.com/institutions/edith-cowan-university-720">Edith Cowan University</a> We’re living longer than in previous generations, with <a href="https://www.aihw.gov.au/reports/older-people/older-australians/contents/demographic-profile">one in eight</a> elderly Australians now aged over 85. But the current <a href="https://pubmed.ncbi.nlm.nih.gov/26561272/">gap</a> between life expectancy (“lifespan”) and health-adjusted life expectancy (“healthspan”) is about ten years. This means many of us live with significant health problems in our later years. To increase our healthspan, we need planned, structured and regular physical activity (or exercise). The <a href="https://www.who.int/news-room/fact-sheets/detail/physical-activity">World Health Organization recommends</a> 150–300 minutes of moderate-intensity exercise – such as brisk walking, cycling and swimming – per week and muscle strengthening twice a week. Yet few of us meet these recommendations. <a href="https://doi.org/10.1186/s12966-019-0797-2">Only 10%</a> meet the strength-training recommendations. <a href="https://pubmed.ncbi.nlm.nih.gov/32488898/">Lack of time</a> is one of the most common reasons. Walking is cost-effective, doesn’t require any special equipment or training, and can be done with small pockets of time. <a href="https://link.springer.com/epdf/10.1007/s00421-024-05453-y?sharing_token=1vDsDJTN5WzPxi5YmSEkOfe4RwlQNchNByi7wbcMAY5hnPeFvF3FY4v2z1P9M2M0oiR78kXv1Yzj0ODMgckqhKOGHUABEd9UOPOfV5kPAj1jf1IYMIYkdIBv-DUEcKCOiDdNyj6MFypeDhSyeYQrWu_bvlAYtPUmOSaldFpmycA%3D">Our preliminary research</a>, published this week, shows there are ways to incorporate strength-training components into walking to improve your muscle strength and balance. <h2>Why walking isn’t usually enough</h2> Regular walking <a href="http://theconversation.com/health-check-in-terms-of-exercise-is-walking-enough-78604">does not appear</a> to work as muscle-strengthening exercise. In contrast, exercises consisting of “eccentric” or muscle-lengthening contractions <a href="http://theconversation.com/its-ok-to-aim%20lower-with-your-new-years-exercise-resolutions-a-few-minutes-a-day-can-improve-your-muscle-strength-193713">improve</a> muscle strength, <a href="https://pubmed.ncbi.nlm.nih.gov/31130877/">prevent muscle wasting</a> and improve other functions such as balance and flexibility. Typical eccentric contractions are seen, for example, when we sit on a chair slowly. The front thigh muscles lengthen with force generation. <h2>Our research</h2> Our <a href="https://pubmed.ncbi.nlm.nih.gov/31055678/">previous research</a> found body-weight-based eccentric exercise training, such as sitting down on a chair slowly, improved lower limb muscle strength and balance in healthy older adults. We also <a href="https://pubmed.ncbi.nlm.nih.gov/28291022/">showed</a> walking down stairs, with the front thigh muscles undergoing eccentric contractions, increased leg muscle strength and balance in older women more than walking up stairs. When climbing stairs, the front thigh muscles undergo “concentric” contractions, with the muscles shortening. It can be difficult to find stairs or slopes suitable for eccentric exercises. But if they could be incorporated into daily walking, lower limb muscle strength and balance function could be improved. This is where the idea of “eccentric walking” comes into play. This means inserting lunges in conventional walking, in addition to downstairs and downhill walking. <figure><iframe src="https://www.youtube.com/embed/wAI7z3XdY9o?wmode=transparent&start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe><figcaption>Eccentric walking means incorporating deep lunges into your movement.</figcaption></figure> In our <a href="https://link.springer.com/epdf/10.1007/s00421-024-05453-y?sharing_token=1vDsDJTN5WzPxi5YmSEkOfe4RwlQNchNByi7wbcMAY5hnPeFvF3FY4v2z1P9M2M0oiR78kXv1Yzj0ODMgckqhKOGHUABEd9UOPOfV5kPAj1jf1IYMIYkdIBv-DUEcKCOiDdNyj6MFypeDhSyeYQrWu_bvlAYtPUmOSaldFpmycA%3D">new research</a>, published in the European Journal of Applied Physiology, we investigated the effects of eccentric walking on lower limb muscle strength and balance in 11 regular walkers aged 54 to 88 years. The intervention period was 12 weeks. It consisted of four weeks of normal walking followed by eight weeks of eccentric walking. The number of eccentric steps in the eccentric walking period gradually increased over eight weeks from 100 to 1,000 steps (including lunges, downhill and downstairs steps). Participants took a total of 3,900 eccentric steps over the eight-week eccentric walking period while the total number of steps was the same as the previous four weeks. We measured the thickness of the participants’ front thigh muscles, muscle strength in their knee, their balance and endurance, including how many times they could go from a sitting position to standing in 30 seconds without using their arms. We took these measurements before the study started, at four weeks, after the conventional walking period, and at four and eight weeks into the eccentric walking period. We also tested their cognitive function using a digit symbol-substitution test at the same time points of other tests. And we asked participants to complete a questionnaire relating to their activities of daily living, such as dressing and moving around at home. Finally, we tested participants’ blood sugar, cholesterol levels and complement component 1q (C1q) concentrations, a potential <a href="https://faseb.onlinelibrary.wiley.com/doi/abs/10.1096/fj.14-262154">marker of sarcopenia</a> (muscle wasting with ageing). <h2>What did we find?</h2> We found no significant changes in any of the outcomes in the first four weeks when participants walked conventionally. From week four to 12, we found significant improvements in muscle strength (19%), chair-stand ability (24%), balance (45%) and a cognitive function test (21%). Serum C1q concentration decreased by 10% after the eccentric walking intervention, indicating participants’ muscles were effectively stimulated. The sample size of the study was small, so we need larger and more comprehensive studies to verify our findings and investigate whether eccentric walking is effective for sedentary people, older people, how the different types of eccentric exercise compare and the potential cognitive and mental health benefits. But, in the meantime, “eccentric walking” appears to be a beneficial exercise that will extend your healthspan. It may look a bit eccentric if we insert lunges while walking on the street, but the more people do it and benefit from it, the less eccentric it will become. <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/224159/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/ken-nosaka-169021">Ken Nosaka</a>, Professor of Exercise and Sports Science, <a href="https://theconversation.com/institutions/edith-cowan-university-720">Edith Cowan University</a> Image credits: Getty Images This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/only-walking-for-exercise-heres-how-to-get-the-most-out-of-it-224159">original article</a>.

Body

Bunnings has toppled Woolworths as Australia’s most ‘trusted’ brand – what makes us trust a brand in the first place?

<a href="https://theconversation.com/profiles/louise-grimmer-212082">Louise Grimmer</a>, <a href="https://theconversation.com/institutions/university-of-tasmania-888">University of Tasmania</a> Think of some of the world’s biggest brands: Nike, McDonald’s, Coca-Cola, Apple. With what do you associate them? Are they positive associations? Now consider, do you trust them? Brand trust is a measure of how customers feel about a brand in terms of how well the brand delivers on its promises. Trust is an important measure for any organisation, large or small. Whether or not customers trust a brand can be the difference between choosing that brand’s products or services over another. In Australia, Woolworths <a href="https://www.roymorgan.com/findings/9472-risk-monitor-quartely-update-december-2023">held the title</a> of our most trusted brand for three and a half years. But recent cost-of-living pressures have put supermarkets in the spotlight for all the wrong reasons. Roy Morgan Research’s <a href="https://www.roymorgan.com/findings/9472-risk-monitor-quartely-update-december-2023">most recent trust rankings</a> show Woolworths has slipped to number two, handing its crown to hardware behemoth Bunnings. It’s clear that trust is fragile and can be quickly squandered when brands lose touch with those they serve. So what makes us trust a brand in the first place? And why do we trust some more than others? <h2>What makes us trust a brand?</h2> According to customer experience management firm Qualtrics, <a href="https://www.qualtrics.com/au/experience-management/brand/brand-trust/">brand trust</a> is <blockquote> the confidence that customers have in a brand’s ability to deliver on what it promises. As a brand consistently meets the expectations it has set in the minds of customers, trust in that brand grows. </blockquote> There are many ways to go about measuring brand trust. A typical first step is to ask lots of people what they think, collating their general opinions on product quality and the brand’s customer service experience. This can be strengthened with more quantifiable elements, including: <ul> <li>online ratings and reviews</li> <li>social media “sentiment” (positive, negative or neutral)</li> <li>corporate social responsibility activities</li> <li>philanthropic efforts</li> <li>customer data security and privacy.</li> </ul> Some surveys go even deeper, asking respondents to consider a brand’s vision and mission, its approaches to sustainability and worker standards, and how honest its advertising appears. <h2>Is this a real and useful metric?</h2> The qualitative methodology used by <a href="https://www.roymorgan.com/findings/9472-risk-monitor-quartely-update-december-2023">Roy Morgan</a> to determine what Australian consumers think about 1,000 brands has been administered over two decades, so the data can be reliably compared across time. On measures of both trust and distrust, it asks respondents which brands they trust and why. This approach is useful because it tells us which elements factor into brand trust judgements. <a href="https://roymorgan-cms-prod.s3.ap-southeast-2.amazonaws.com/wp-content/uploads/2024/03/07035120/9472-Risk-Monitor-Quartely-Update-December-2023-1-1.pdf">Customer responses</a> about the survey’s most recent winner, Bunnings, show that customer service, product range, value-for-money pricing and generous returns policies are the key drivers of strong trust in its brand. Here are some examples: <blockquote> Great customer service. Love their welcoming staff. Whether it’s nuts and bolts or a new toilet seat, they have it all, value for money. Great products and price and have a no quibble refund policy. Great stock range, help is there if you need it and it is my go-to for my gardening and tool needs. Really convenient trading hours, and their return policy is good. </blockquote> In addition to trust, there are three other metrics commonly used to assess brand performance: <ul> <li> brand equity – the commercial or social value of consumer perceptions of a brand </li> <li> brand loyalty – consumer willingness to consistently choose one brand over others regardless of price or competitor’s efforts </li> <li> brand affinity – the emotional connection and common values between a brand and its customers. </li> </ul> However, trust is becoming a disproportionately important metric as consumers demand that companies provide <a href="https://www.forbes.com/sites/bernhardschroeder/2020/01/16/from-the-traditional-to-the-outrageous-four-brands-that-use-honest-transparency-to-build-loyal-customers-with-non-traditional-marketing-and-branding/?sh=6689f81320a1">increased transparency</a> and exhibit greater care for their customers, not just their shareholders. <h2>Why do Australians trust retailers so much?</h2> Of Australia’s top ten most trusted brands, seven are retailers – Bunnings, Woolworths, Aldi, Coles, Kmart, Myer and Big W. <figure class="align-center zoomable"><a href="https://images.theconversation.com/files/582082/original/file-20240314-28-h0xdf4.png?ixlib=rb-1.1.0&q=45&auto=format&w=1000&fit=clip"><img src="https://images.theconversation.com/files/582082/original/file-20240314-28-h0xdf4.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/582082/original/file-20240314-28-h0xdf4.png?ixlib=rb-1.1.0&q=45&auto=format&w=600&h=279&fit=crop&dpr=1 600w, https://images.theconversation.com/files/582082/original/file-20240314-28-h0xdf4.png?ixlib=rb-1.1.0&q=30&auto=format&w=600&h=279&fit=crop&dpr=2 1200w, https://images.theconversation.com/files/582082/original/file-20240314-28-h0xdf4.png?ixlib=rb-1.1.0&q=15&auto=format&w=600&h=279&fit=crop&dpr=3 1800w, https://images.theconversation.com/files/582082/original/file-20240314-28-h0xdf4.png?ixlib=rb-1.1.0&q=45&auto=format&w=754&h=350&fit=crop&dpr=1 754w, https://images.theconversation.com/files/582082/original/file-20240314-28-h0xdf4.png?ixlib=rb-1.1.0&q=30&auto=format&w=754&h=350&fit=crop&dpr=2 1508w, https://images.theconversation.com/files/582082/original/file-20240314-28-h0xdf4.png?ixlib=rb-1.1.0&q=15&auto=format&w=754&h=350&fit=crop&dpr=3 2262w" alt="table shows that Bunnings is now Australia's most trusted brand, and Optus the least trusted brand." /></a><figcaption>The latest changes to Australia’s most trusted and most distrusted brand rankings. <a class="source" href="https://www.roymorgan.com/findings/9472-risk-monitor-quartely-update-december-2023">Roy Morgan Single Source (Australia)</a></figcaption></figure> This <a href="https://www.fastcompany.com/90901331/america-most-trusted-brands-companies-report-2023-morning-consult">stands in contrast</a> with the United States, where the most trusted brands are predominantly from the healthcare sector. So why do retail brands dominate our trust rankings? They certainly aren’t small local businesses. Our retail sector is <a href="https://www.afr.com/companies/retail/in-the-shopping-trolley-war-the-supermarkets-have-to-give-20240122-p5ez4k">highly concentrated</a>, dominated by a few giant retail brands. We have only two major department stores (David Jones and Myer), three major discount department stores (Big W, Target and Kmart) and a <a href="https://www.abc.net.au/news/2024-02-23/a-history-of-the-duopoly-coles-woolworths/103494070">supermarket “duopoly”</a> (Coles and Woolworths). It’s most likely then that these brands have been enjoying leftover goodwill from the pandemic. As Australia closed down to tackle COVID-19, the retail sector, and in particular the grocery sector, was credited with enabling customers to <a href="https://www.smh.com.au/business/companies/inside-story-how-woolworths-and-coles-joined-forces-to-avert-covid-19-disaster-20200611-p551lk.html">safely access</a> food and household goods. Compared with many other countries, we did not see a predominance of empty shelves across Australia. Retailers in this country stepped up – implementing or improving their online shopping capabilities and ensuring physical stores followed health guidelines and protocols. Now, with the pandemic behind us and in an environment of high inflation, the <a href="https://www.abc.net.au/news/2024-02-20/woolworths-coles-supermarket-tactics-grocery-four-corners/103405054">big two supermarkets</a> face <a href="https://www.theguardian.com/australia-news/2024/feb/20/do-coles-woolworths-specials-actually-offer-savings-choice-survey-supermarket-price-gouging-inquiry">growing distrust</a> and a <a href="https://www.aph.gov.au/Parliamentary_Business/Committees/Senate/Supermarket_Prices/SupermarketPrices">public inquiry</a>. <h2>Lessons from the losers</h2> After <a href="https://www.theguardian.com/business/2023/nov/20/optus-scandals-network-outage-cyberattack-ceo-resignation-kelly-bayer-rosmarin">two high profile disasters</a>, Optus finds itself the most distrusted brand in Australia. Its companions in the “most distrusted” group include social media brands Meta (Facebook), TikTok and X. Qantas, Medibank Private, Newscorp, Nestle and Amazon also made the top 10. The main reason consumers distrust brands is for a perceived failure to live up to their promises and responsibilities. For example, <a href="https://www.washingtonpost.com/technology/2023/09/18/amazon-working-conditions-safety-osha-doj/">worker conditions at multinational firm Amazon</a> are seen by some consumers as a reflection of questionable business practices. Other brands may have earned a reputation for failing to deliver the basics, like when chronic <a href="https://www.afr.com/companies/transport/compensating-travellers-for-cancelled-flights-long-overdue-20240212-p5f45c">flight delays and cancellations</a> plagued many Qantas customers. <h2>Lessons from the winners</h2> On the flip side, consumers have rewarded budget-friendly retailers with increased trust in the most recent rankings. Aldi, Kmart and Bunnings have improved their standing as trusted brands, no doubt in part because they have helped many Australian consumers deal with tight household budgets. As discretionary consumer spending continues to tighten, we may see a more permanent consumer shopping <a href="https://www.theaustralian.com.au/business/retail/rise-of-the-value-shopper-as-budgets-are-crunched-a-threat-and-opportunity-for-retailers/news-story/9b7a355cfb3866ec60d2ee42b7cbd567">shift towards value for money</a> brands and discounters. Trust is a fragile thing to maintain once earned. As we move through 2024, Australian companies must pay close attention to their most important asset – strong relationships with those they serve.<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/225578/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/louise-grimmer-212082">Louise Grimmer</a>, Senior Lecturer in Retail Marketing, <a href="https://theconversation.com/institutions/university-of-tasmania-888">University of Tasmania</a> This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/bunnings-has-toppled-woolworths-as-australias-most-trusted-brand-what-makes-us-trust-a-brand-in-the-first-place-225578">original article</a>.

Money & Banking

Most popular Aussie city to visit in 2024 revealed

The most popular city in Australia for 2024 travellers has been revealed, with locals and international visitors alike all adding the capital city to their destination bucket lists. In new research commissioned by the Tourism and Transport Forum (TTF), Melbourne has shot to the top the list of most popular cities to travel this year, beating out Sydney, the Sunshine Coast and Adelaide for the top spot. In the TTF report, a sample of 2,000 travellers between the age of 18-65 revealed where they plan on visiting both domestically and abroad in 2024. While Queensland came out on top as the most popular state or territory to visit, followed by NSW and Victoria, Melbourne beat the other capital cities as the most sought after city across the country. “It’s not surprising more Australians are planning to head to Melbourne for a holiday this year, with its thriving music and arts scene and world-famous events year-round,” TTF CEO Margy Osmond told <a href="https://www.news.com.au/travel/travel-ideas/best-of-travel/australian-city-named-best-in-the-country-outweighing-sydney-and-brisbane/news-story/6e69272d37b62eada10b6bedf2bb88f5" target="_blank" rel="noopener">news.com.au</a>. “Already this year Melbourne has hosted Taylor Swift and the Australian Open and will draw thousands more visitors for the upcoming Melbourne International Comedy Festival, Fringe Festival and much more.” Known for the delicious coffee, abundance of shopping options, thriving food scene and bustling culture and nightlife, Melbourne has long been a hotspot destination for many travellers. The crown is another win for Victoria, with the city of Bendigo walking away with the top prize of ‘best town’ in the annual <a href="https://oversixty.com.au/travel/domestic-travel/why-disbelief-as-best-aussie-towns-crowned-for-2024" target="_blank" rel="noopener">Wotif travel awards</a>. Image credits: Getty Images

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