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No credit score? A grocery list could be the next best thing

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/joonhyuk-yang-1548700">Joonhyuk Yang</a>, <a href="https://theconversation.com/institutions/university-of-notre-dame-990">University of Notre Dame</a> and <a href="https://theconversation.com/profiles/jung-youn-lee-1548702">Jung Youn Lee</a>, <a href="https://theconversation.com/institutions/jones-graduate-school-of-business-at-rice-university-5411">Jones Graduate School of Business at Rice University</a> How you shop and what you buy at the grocery store can predict whether you pay your credit card bills on time, <a href="https://doi.org/10.1287/mnsc.2022.02364">our new research shows</a>. As <a href="https://mendoza.nd.edu/mendoza-directory/profile/joonhyuk-yang/">marketing</a> <a href="https://business.rice.edu/person/jung-youn-lee">professors</a>, we wanted to learn about alternatives to traditional credit scores. So we teamed up with a multinational conglomerate that, among other things, runs a large supermarket chain and a credit card issuer. By analyzing consumer-level data from those two business units, we were able to see how 30,089 individuals shop and manage their finances. We found that people with more consistent grocery shopping habits are more likely to pay their credit card bills on time. These are people who tend to shop on the same day of the week, spend about the same amount each month, buy similar items across trips and take advantage of deals regularly. We also found that what people buy predicts how they manage their finances. For example, shoppers who frequently purchase cigarettes or energy drinks are more likely to miss credit card payments. Those who often buy fresh milk or salad dressing tend to be more diligent about paying their bills. In general, buying healthier but less convenient food predicted responsible payment behaviors. This was true even when we held consumer characteristics such as income, occupation, credit score and family size constant. Building on those findings, we developed a credit scoring algorithm that scores people based on their grocery shopping habits along with traditional credit risk indicators. When we simulated approval decisions with this algorithm, we found that using grocery data could help lenders predict defaults more accurately while boosting their per-customer profits. <h2>Why it matters</h2> According to the World Bank, <a href="https://www.worldbank.org/en/publication/globalfindex">more than 1 billion people</a> worldwide lack access to formal financial systems and, as a result, have no credit scores. In the U.S. alone, <a href="https://www.consumerfinance.gov/data-research/research-reports/who-are-credit-invisibles/">about 45 million adults</a> have no credit history or not enough of one to generate a score. This makes it hard for them to access credit, even if they are responsible borrowers. And without credit, it’s harder to get a car, a job or even a place to live. It’s a problem that disproportionately affects <a href="https://www.worldbank.org/en/publication/globalfindex">underprivileged groups</a>, including people of color and women. In response, policymakers and researchers are increasingly interested in using alternative data sources to assess creditworthiness. For instance, <a href="https://www.cnbc.com/2024/07/17/how-on-time-rent-payments-help-credit-invisible-consumers.html">Fannie Mae now considers</a> mortgage applicants’ rent payment histories, allowing those without traditional credit histories to demonstrate their creditworthiness. Grocery data is especially promising because there’s so much of it. Pretty much everybody buys groceries, and not just once. Information about consumer preferences is continuously being generated in every aisle of grocery stores around the globe. Our study shows that this data has value far beyond the grocery industry. <h2>What’s next</h2> We believe that our study serves as a proof of concept, offering insights for the design and implementation of future research. However, several key questions remain. For example, what if this approach affects different groups unequally? And what about privacy concerns? Our follow-up research aims to address these issues. We’re collaborating with a conglomerate in Peru, a cash-reliant country with a significant unbanked population. Building upon our current findings, we’re working closely with that company to test the impact of our approach on low-income populations. We’ll be helping to evaluate credit applicants using retail transaction data, aiming not just to improve profitability but also to boost social inclusion in the region. The <a href="https://theconversation.com/us/topics/research-brief-83231">Research Brief</a> is a short take on interesting academic work.<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/234887/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/joonhyuk-yang-1548700">Joonhyuk Yang</a>, Assistant Professor of Marketing, Mendoza College of Business, <a href="https://theconversation.com/institutions/university-of-notre-dame-990">University of Notre Dame</a> and <a href="https://theconversation.com/profiles/jung-youn-lee-1548702">Jung Youn Lee</a>, Assistant Professor of Marketing, <a href="https://theconversation.com/institutions/jones-graduate-school-of-business-at-rice-university-5411">Jones Graduate School of Business at Rice 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/no-credit-score-a-grocery-list-could-be-the-next-best-thing-234887">original article</a>. </div>

Money & Banking

No more Mr Nice Guy: Tom Hanks blows up at movie critics

Tom Hanks has taken aim at movie critics in a heated on Conan O'Brien's podcast, calling out the entire review section of the entertainment industry. The Hollywood actor launched into his tirade on the Conan O'Brien Needs a Friend podcast as he looked at how movie reviews and the general audience reception to films has changed over the years. “Now what happened is that time has become one of the metrics for how these things matter, right?” he said. “In the day it was just a fist fight. It was every movie you came out, are you going to make the playoffs or not? Guess what? No, kid, you’re 2 and 12 and you ain’t going nowhere. Or, you got a shot.” “It used to be you had these Rubicons that you crossed,” he continued. “First of all, do you love it or not? That’s the first thing. Yes, okay, you have crossed the Rubicon, right? The next Rubicon you cross is when the movie is completely done a year and a half later, and you see it for the first time, and you might like it. It doesn’t matter if it works or not, you look at it and say, ‘Hey, I think we acquitted ourselves pretty good.’ That’s Rubicon No. 2.” Hanks went on, “Then the critics weigh in, that’s Rubicon No. 3, and that’s always up down. ‘We hate it, we like it. This is the worst thing … Oh hey, oh hi Tom, I saw you in a movie. It was cute.’” “That’s when you ask the wife, ‘Hey, honey, could you take the revolver out of the glove box and hide it somewhere, because I think…,” Hanks joked. Podcast host O'Brien then brought up that Hanks was initially “disappointed” with his 1996 film That Thing You Do!, which marked his directorial debut, but the movie has since become a cult classic in pop culture. “Let me tell you something about these c***suckers who write about movies,” Hanks responded, before asking O’Brien and his co-hosts, “Can I say that?” “Somebody who wrote about it is, ‘Tom Hanks has to stop hanging around with veterans of TV, because this is just like the shot on TV and it’s not much of anything,’” Hanks recalled. “That same person then wrote about the cult classic That Thing You Do! Same exact person. They said, ‘All you need is 20 years between now and then, and it ends up speaking some words.’” Image credits: Shutterstock

Movies

Ian Thorpe lists luxury home at a discount

Ian Thorpe has returned his luxury Woollahra townhouse to the market for a price of $3.5 million. The Olympic gold medallist previously listed it on the market for $3.7 million in September last year but failed to find a buyer at that price. The townhouse boasts four-bedrooms and three-bathrooms and sits on 250sqm of land. It also has an outdoor swimming pool and a beautiful outdoor tropical garden. Thorpe purchased the home in December 2017 for $2.75 million and has since done extensive renovation work to the property. He remodelled the terrace and added in stylish sliding doors. It also features open plan living areas perfect for families. "It's completely private and secluded," letting agent Courtney Wong told The Sydney Morning Herald in 2023. A description for the property reads: "For those seeking a private escape with all the comforts of a luxury home, this is everything you could have dreamed of and more. "A true gem tucked away at the quiet rear of a boutique block of only six, this residence represents the perfect mix of modernity and the natural world with its contemporary architectural design in a tranquil leafy setting." Images: Ray White Double Bay/ Instagram

Home & Garden

Kate Middleton helps teen with cancer fulfill "bucket list" dream

Kate Middleton has taken another step back to public duties after inviting a teenage girl with a rare form of cancer to Windsor Castle. The Prince and Princess of Wales invited 16-year-old Liz, a budding photographer from Harrogate, North Yorkshire, to Windsor Castle after the teen was told by doctors earlier this year that she only had between six months and three years to live. “A pleasure to meet with Liz at Windsor today,” the Prince and Princess of Wales wrote in a social media post shared on Wednesday, with a photo of Kate hugging the teenager. “A talented young photographer whose creativity and strength has inspired us both. Thank you for sharing your photos and story with us.” <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-captioned="" data-instgrm-permalink="https://www.instagram.com/p/DAoPPEMNX6F/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/p/DAoPPEMNX6F/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by The Prince and Princess of Wales (@princeandprincessofwales)</a> </div> </blockquote> Liz had a photography bucket list "to create a lifetime of memories" after being diagnosed with desmoplastic small round cell tumour in January. The cancer has no form of standard treatment. She first took up photography in Year 6 after saving up to buy her first camera. Liz was given the opportunity to take photos of cyclist Mark Cavendish and ex-footballer Ally McCoist's investiture ceremony, after Prince William heard about her through his patronage of London Air Ambulance Charity. A Kensington Palace spokesperson said: “Following the investiture both the Prince and Princess of Wales met Liz privately with her family to hear about her day and journey." Liz said she was "over the moon" after meeting the couple at the castle. “Such lovely, genuine and kind people, I’m over the moon that my family and I had this experience,” she recalled on social media. The event is a rare appearance for the Princess who has been out of the public eye for most of the year following her own cancer diagnosis earlier this year. While the meeting is not being treated as an official engagement for the Prince and Princess, it was their first joint appearance this year. Images: Instagram

Caring

Shock over op shop item listed for $2,000

An Aussie charity shop has come under fire after a shopper spotted a luxury item with a hefty four-figure price tag. A woman was browsing the shelves at the Vinnies Op Shop in Tamworth where she spotted a forest green handbag by luxury brand Balenciaga for sale for a whopping $2,000. While the handbag retails at roughly $4,000, the eye-watering "sale" price has infuriated many after a customer spotted it isolated on a shelf in-store. "How in the world would a normal everyday person be able to afford that? At the stage now it’s cheaper to go to Kmart," a local woman hit out on social media. Others agreed, saying it's a "slap in the face when everything is donated in first place". "It’s ridiculous these days, all the op shops are so overpriced. Very much so in the suburb I live in because it’s a wealthy area, they think everyone who walks in is loaded," another said, commenting on the designer bag. Vinnies was quick to respond to the backlash over the expensive item, Vinnies North West area manager Julie Crosby reiterated that Vinnies shops are charity stores. "We're raising funds," she told the <a href="https://au.news.yahoo.com/tagged/social-media/" data-i13n="cpos:8;pos:1" data-ylk="slk:ABC;cpos:8;pos:1;elm:context_link;itc:0;sec:content-canvas" data-rapid_p="18" data-v9y="1">ABC</a>. "We can spend that money on helping out homeless people, domestic violence issues where we're relocating families". Store manager Megan Moffat added, "It's a beautiful little handbag" implying the $2,000 is justified. Image credits: Shutterstock / Facebook

Money & Banking

Aussies top global list for biggest gambling losses

A new report has revealed that Australians are the biggest gambling losers in the world, with the average Australian adult gambling away $1635 per year according to the Grattan Institute think tank. That is more than most households pay for power and exceeds the average spend in similar countries like the US and New Zealand. Collectively, Australians lost $24 billion to gambling in 2020-21, with half of that amount lost through poker machines. The rest was lost on sports or race betting, in casinos, and on lotteries and Keno. The report also claims that there are more pokies than post boxes and public toilets across Australia, bringing light to the "lax approach" that has let the industry "run wild". "Gambling products are designed to be addictive, and the consequences can be catastrophic: job loss, bankruptcy, relationship breakdown, family violence, even suicide," the report's authors wrote. People in the Northern Territory and NSW lost the most amount of money, with the two states having the highest concentration of polies in their jurisdiction. The report recommended the federal government ban all gambling advertisements and urged them to cut the number of pokies in each state over time. They also suggested a mandatory pre-commitment system for online gambling and pokies, which would put a limit on daily losses. There are many different ways to get help and information about gambling. Call the National Gambling Helpline on 1800 858 858; use <a href="https://www.gamblinghelponline.org.au/tools-resources/chat-counselling" target="_blank" rel="noopener">online counselling</a>. Images: SNEHIT PHOTO / Shutterstock.com

Money & Banking

Oasis issue urgent warning after scalpers list tickets for $42,000

Oasis have been forced to issue a warning to music fans who are searching for tickets to their highly-anticipated reunion tour, after resale tickets have been listed for thousands of dollars. Tickets to the UK and Irelands reunion show went on sale on Saturday, with tickets to the 17 shows selling out in a matter of hours. Tickets were originally posted on Ticketmaster with prices ranging from $190 AUD to $500 AUD, before prices were bumped up by the ticket merchant as being "in demand", with the cheapest tickets then priced at $475 AUD. Since all shows were officially sold out, some tickets have since been posted on resale sites such as StubHub and Viagogo, with prices ranging from $1,100 AUD to a whopping $42,000 AUD. After all the tickets were sold, ticket scalpers shared their tickets on the resale websites to turn a profit, with music fans sharing photos of the outrageous prices on social media. <blockquote class="twitter-tweet"> The highest price I've seen so far is £22,045. It's ridiculous. I know no one is likely to pay that, but why are these companies allowing it? <a href="https://t.co/uMSt0TS6K9">pic.twitter.com/uMSt0TS6K9</a> — Jordan (@grahamjordan_) <a href="https://twitter.com/grahamjordan_/status/1829647325901570230?ref_src=twsrc%5Etfw">August 30, 2024</a></blockquote> "And it’s begun," one fan wrote alongside a screenshot of the resale websites. "Viagogo and StubHub all trying to rip off Oasis fans, with the highest priced ticket being on StubHub for £6,347 ($12,323 AUD). Hang your heads in shame." The music fan then added another photo of the $42,000 AUD ticket for sale, writing, "The highest price I've seen so far is £22,045. It's ridiculous. I know no one is likely to pay that, but why are these companies allowing it?" Oasis themselves then stepped in to warn fans about paying the extortionate fees for tickets, saying according to the terms and conditions, tickets could only be resold at face value via Ticketmaster and Twickets. "Tickets sold in breach of terms and conditions will be cancelled by the promoters," they wrote in a post to X. Oasis promoters had previously issued a similar warning, telling fans tickets sold through "unauthorised resale platforms" would be in breach of terms and conditions and "may be cancelled". Image credits: Instagram/Vuk Valcic/ZUMA Press Wire/Shutterstock Editorial

Money & Banking

5 foods to add to your shopping list to save money – and they’re good for you too

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/clare-collins-7316">Clare Collins</a>, <a href="https://theconversation.com/institutions/university-of-newcastle-1060">University of Newcastle</a> Food prices are <a href="https://www.abc.net.au/news/2024-06-13/anglicare-cost-living-unemployment-groceries-fuel-rent-prices/103972166?utm_medium=social&utm_content=sf273549397&utm_campaign=abc&utm_source=linkedin.com&sf273549397=1">adding pressure on household budgets</a>, especially for Australians on the lowest incomes. To help save money on the weekly groceries, consider adding these five staples to your shopping trolley: eggs, oats, carrots, UHT milk and apples. These foods rate highly on the <a href="https://pubmed.ncbi.nlm.nih.gov/20181811/">nutrient-rich foods index</a> and on cost, meaning they represent good value for money when it comes to buying nutritious food. Loading up on these items helps push more expensive, less nutritious foods out of your trolley. Keeping a supply at your place will also save extra trips to the shops, which saves petrol and time. <h2>1. Eggs</h2> Eggs are extremely good value at around A$6 a dozen (50 cents an egg). Meat, chicken and fish prices vary from $12 a kilo for mince, $12–$20 a kilo for chicken, to $20–$50 a kilo for steak and fish depending on cut or type. Selecting the cheapest cuts still costs $2–$3 a serve, compared to two eggs at a $1 serve. When you swap a red meat meal for an eggy dish, this can add up to a big saving. Try our egg recipes on the <a href="https://nomoneynotime.com.au/healthy-easy-recipes/filter/meals--dinner,lunch/superfoods--eggs">No Money No Time website</a>, from <a href="https://nomoneynotime.com.au/healthy-easy-recipes/sweetcorn-and-zucchini-fritters">fritters</a>, to <a href="https://nomoneynotime.com.au/healthy-easy-recipes/mushroom-omelette">omelettes</a>, or <a href="https://nomoneynotime.com.au/healthy-easy-recipes/clares-rainbow-rice">fried rice</a>. These recipes also help use up other items you have in the pantry, fridge and veggie crisper. Eggs are a good <a href="https://www.australianeggs.org.au/nutrition/nutrients-and-vitamins">source</a> of protein and also contain choline, lutein and zeaxanthin, vitamins A, B2, B12, D, E and folate, and minerals iron, zinc, iodine and selenium. For people concerned about eggs raising cholesterol, a <a href="https://pubmed.ncbi.nlm.nih.gov/38370115/">recent review of research evidence</a> concluded there wasn’t likely to be any adverse effect on overall disease risk when consuming up to one egg a day. <h2>2. Rolled oats</h2> Rolled oats vary a lot in price from about $2 a kilogram for “own brand”, up to $9 for premium varieties. Oats are really <a href="https://nomoneynotime.com.au/healthy-easy-recipes/filter/keywords--Oats">versatile</a>. For breakfast you can make <a href="https://nomoneynotime.com.au/healthy-easy-recipes/microwave-porridge">porridge</a>, <a href="https://nomoneynotime.com.au/healthy-easy-recipes/easy-overnight-oats">overnight oats,</a> DIY muesli or <a href="https://nomoneynotime.com.au/healthy-easy-recipes/gingerbread-granola">granola</a>. Oats make a pastry substitute for a <a href="https://nomoneynotime.com.au/healthy-easy-recipes/clares-rolled-oats-quiche">quick and easy quiche base</a>. Or blitz them in a food processor and use as a breadcrumb substitute. For dessert, you can use them to top a comforting <a href="https://nomoneynotime.com.au/healthy-easy-recipes/wholegrain-apple-crumble">apple crumble</a>. <a href="https://www.glnc.org.au/resource/oats-2/">Oats are a wholegrain</a>, meaning they retain every part of the original grain – the germ, bran and outer layers – and hence more fibre and nutrients. Oats are a rich in beta-glucan, a soluble fibre that <a href="https://pubmed.ncbi.nlm.nih.gov/34236436/">helps lower blood cholesterol levels</a> by binding with bile acids in the gut, meaning they can’t be converted into LDL (bad) cholesterol. They <a href="https://www.glnc.org.au/resource/oats-2/">also contain</a> B vitamins of thiamin (b1), riboflavin (B2), niacin (B3), pyridoxine (B6), pantothenic acid (B5) and folate (B9), as well as vitamin E and the minerals iron, zinc, magnesium, phosphorus and potassium. <h2>3. Carrots</h2> It’s hard to get better value than a bag of carrots at about $2.50 a kilo. They last for ages in the fridge and can be eaten raw, as carrot sticks or with <a href="https://nomoneynotime.com.au/healthy-easy-recipes/moroccan-carrot-dip">carrot dip</a>, or baked to make carrot veggie “<a href="https://nomoneynotime.com.au/healthy-easy-recipes/vegetable-chips">chips</a>”. Try grating carrot as an extra on a salad roll or <a href="https://nomoneynotime.com.au/healthy-easy-recipes/basic-beef-burgers">burger</a>, or mixed into grated cheese to extend it when topping tacos, pasta or pizza, or even a dish like <a href="https://nomoneynotime.com.au/healthy-easy-recipes/carrot-and-cauliflower-macaroni-cheese">mac and cheese</a>. Other versatile uses include soup, <a href="https://nomoneynotime.com.au/healthy-easy-recipes/carrot-puree">carrot mash</a>, <a href="https://nomoneynotime.com.au/healthy-easy-recipes/baked-carrots-with-honey-thyme">roasted carrots</a> or, for something sweet, carrot muffins or <a href="https://nomoneynotime.com.au/healthy-easy-recipes/easy-carrot-cake-bliss-balls">bliss balls</a>. Carrots are rich in the carotenoids <a href="https://ods.od.nih.gov/factsheets/VitaminA-HealthProfessional/">alpha-carotene and beta-carotene</a>, which get converted into vitamin A in the body and used in antibody production and to maintain <a href="https://ods.od.nih.gov/factsheets/VitaminA-Consumer/">healthy functioning</a> of your eyes, skin, lungs and gut. <h2>4. Longlife skim milk</h2> Longlife skim milk costs about $1.60 a litre. While some fresh varieties are around the same price, the value of longlife milk is that you can keep a store of it in the cupboard, meaning you never run out and it has a long shelf life. Milk makes great <a href="https://nomoneynotime.com.au/healthy-easy-recipes/banana-breakfast-smoothie">smoothies</a> and is an essential ingredient in dishes from quiche to <a href="https://nomoneynotime.com.au/healthy-easy-recipes/cauliflower-cheese-bake">cauliflower cheese</a> to <a href="https://nomoneynotime.com.au/healthy-easy-recipes/clares-lemon-orange-delicious">lemon delicious</a> pudding. <a href="https://www.betterhealth.vic.gov.au/health/healthyliving/milk#nutrients-in-milk">Milk contains</a> protein, calcium, magnesium, zinc, potassium and vitamins A, B2 and B12. Research shows regular milk consumption is <a href="https://www.betterhealth.vic.gov.au/health/healthyliving/milk#milk-and-health-conditions">associated with</a> a lower risk of developing osteoporosis, high blood pressure, type 2 diabetes, heart disease and colon cancer. <h2>5. Apples</h2> A bag of apples costs about $4 or 60 cents an apple and $4–$5 for a large can of stewed apple. Apples make a portable snack. Add <a href="https://nomoneynotime.com.au/healthy-easy-recipes/comforting-apple-porridge">them to porridge</a>, serve <a href="https://nomoneynotime.com.au/healthy-easy-recipes/pork-loin-rolls">with pork</a>, <a href="https://nomoneynotime.com.au/healthy-easy-recipes/carrot-and-apple-coleslaw-with-mustard-vinaigrette">in coleslaw</a> or in <a href="https://nomoneynotime.com.au/healthy-easy-recipes/wholegrain-apple-crumble">apple crumble</a>. Apples <a href="https://pubmed.ncbi.nlm.nih.gov/35502671/">contain</a> dietary fibre and pectin, vitamin B6 and C, and the minerals potassium, calcium, nitrogen, magnesium and traces of zinc, iron and copper. In <a href="https://pubmed.ncbi.nlm.nih.gov/31667463/">observational studies</a>, people who ate more apples had a lower risk of heart disease, stroke, type 2 diabetes and death from any cause. For easy, tasty, economical meals that are quick to prepare, without too much effort, along with our food budget tips, visit our team’s <a href="https://nomoneynotime.com.au/">No Money No Time</a> website.<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/229903/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/clare-collins-7316">Clare Collins</a>, Laureate Professor in Nutrition and Dietetics, <a href="https://theconversation.com/institutions/university-of-newcastle-1060">University of Newcastle</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/5-foods-to-add-to-your-shopping-list-to-save-money-and-theyre-good-for-you-too-229903">original article</a>. </div>

Food & Wine

“Insufferable” bride rinsed over her list of “wild demands”

A bride-to-be has been slammed online after her list of “wild demands” was posted by one of her bridesmaids, who were expected to spend thousands of dollars to be part of the “wedding of the century”. The bride wasn’t afraid to set her sights high ahead of her nuptials, and wasn’t shy in asking for a mixture of friends and sponsors to pay for it. One of her bridesmaids shared the exhaustive list of non-negotiable demands to Reddit, in which she asked her bridal party to “step up their game” months before the wedding. “Welcome to the beginning of my wedding journey, I'm thrilled to have you all along for the ride, but let's be clear, this is my day and everything needs to be perfect,” the bride began. “I know what I want and I won't settle for anything less, get ready to follow my lead and make this the most fabulous day ever - this isn't just a wedding, it's basically the met gala.” She first demanded weekly one hour zoom progress meetings, in addition to everyone meeting at a private member's club every Tuesday. Then there was a weekend of luxury dress fittings with “no skips allowed”, followed by demands for everyone to spend approximately $700 on champagne brunches, hotel rooms and travel. The expenses didn’t stop there, with bridesmaids expected to shell out $1,200 for beauty treatments, and $500 accommodation for her 'safari barbie' themed engagement party. The packed and pricey itinerary continued with the girls then jetting off to Ibiza for “bachelorette party number one”. “Mother in law is leading the charge and will send Venmo requests soon so you guys can budget,” the bride said. The bridesmaids were also expected to buy the bride a gift, which she felt she deserved for all her hard planning, and expected her bridal party to throw her the “perfect” bridal shower. “It needs to be elegant, chic and totally Instagrammable; think designer decorations and gourmet catering, make sure it's perfect, this is your responsibility to handle and make amazing,'” she said. There was one last trip for final dress fittings and then a reminder to set aside another $1,000 for the wedding weekend itself, which promised to be amazing. The post was quickly met with a wave of backlash with many commenting on the bride’s “entitled and narcissistic” behaviour, with one saying the list should be titled “how to lose friends in one page”. Some people said the hefty cost was one thing, but that it was “horrible” how much time the bridesmaids were expected to give up for planning every week, for months leading up to the big day. “The minute I read ‘weekly one hour check in meeting’ I would have been out. I don't do that s*** for my actual job, let alone this bankruptcy in the making,” one woman said. Image credits: Shutterstock

Relationships

Readers response: What is on your anti travel bucket list?

When it comes to travelling, lots of people have a bucket list of places they would love to go and things they would love to experience. But in a similar vain, many travellers have a strict list of places they don't wish to go, and things they can do without ever experiencing. We asked our readers what's on their anti travel bucket lists, and the response was overwhelming. Here's what they said. Deedee Cullum - Large, busy airports where your connecting flight is at the other end of the building. Colleen Burgess - The middle seat on every airline! Karen Ambrose - We won’t go to America due to the gun culture there. Too dangerous. Sue Bailey - Any travel without comprehensive travel insurance - a 'must have'. If you can't afford travel insurance, you can't afford to travel. Sarah Archie - USA, China, war countries, countries renowned for civil unrest. Faye Grave - Bali. Pam Coppock - Anywhere outside Australia for me. Russell Drury - Cruise. Carol O'Brien - Dealing with unruly passengers on planes & long haul flights. Judi Tracey - Dubai. A dear friend of mine was spat in the face there. Vincent Cole - Qantas! Image credits: Shutterstock

Travel Trouble

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

Woman seeks advice over family member’s list of “stupid” baby names

A woman has asked for advice after seeing her cousin’s list of potential baby names, with many of them being classed as “just stupid”. The woman took to Reddit to explain how her cousin sent her baby name list to her family group chat, and no one has yet replied. "This was all sent in a family group chat and no-one has replied yet. I feel bad because at least she has put some thought into these names, especially compared to how most of us were named. On the other hand, well, you saw the names," the woman posted on Reddit. The names her cousin has shared and her logic behind them include: <ol> <li dir="ltr" aria-level="1"> Urf (Earth..because no matter where the child lives in life, it will always be on Earth. Can't fault the logic on that one – Elon Musk might take umbrage though.) </li> <li dir="ltr" aria-level="1"> Seaeoh (CEO. Apparently names dictate destiny and this name will cosmically transform the child into a successful business magnate.) </li> <li dir="ltr" aria-level="1"> Stamp (She was in a long distance relationship with the father for a while and they used to send each other letters with...stamps. Sounds like what a caveman character in a film would be called.) </li> <li dir="ltr" aria-level="1"> Biotic (Connected to antibiotic. This will protect the child from disease. Antibiotic would be and I quote, 'Ridiculous because it would sound like 'Aunty' which would cultivate bullying because she would sound old.') </li> <li dir="ltr" aria-level="1"> Ayeai (AI. In the future AI will take over and if it turns nasty it will go easy on her kid because they share a name.) </li> </ol> The woman explained that her cousin's logic for going with something very different for a name is "so many children nowadays have unique names that it will eventually become normal and people with 'standard' names will be the ones looking foolish." She also added that her cousin's husband isn't "brave enough" to say anything about the names and hopes she will lose interest. The people of Reddit had a lot to say about the choices, with one person commenting, “Those are all just terrible." "I say this in the kindest way possible. She is delusional and I dare say, stupid. That poor future child deserves better," wrote another user. Another suggested a normal name might actually be unique now and wrote, "Having a 'standard' name is what is unique now. How many kids are being named David and Lisa?" Image credits: Shutterstock

Family & Pets

To-do list got you down? Understanding the psychology of goals can help tick things off – and keep you on track

<div class="theconversation-article-body"> <a href="https://theconversation.com/profiles/kim-m-caudwell-1258935">Kim M Caudwell</a>, <a href="https://theconversation.com/institutions/charles-darwin-university-1066">Charles Darwin University</a> It feels like we are living in busy times. According to the <a href="https://www.oecdbetterlifeindex.org/topics/work-life-balance/">OECD Better Life Index</a>, 12.5% of Australians report working at least 50 hours a week, higher than the OECD average. Many Australians are also <a href="https://www.abc.net.au/news/2023-08-03/multiple-job-holders-hit-record-high-abs/102679190">working more than one job to buffer against cost-of-living pressures</a>. Psychology has long been interested in our goals – our mental representations of desirable outcomes. Much of this research is on how we form, pursue and attain goals, plus how goals make us feel. Across studies, we see a consistent pattern of <a href="https://link.springer.com/article/10.1007/s10902-013-9493-0#Sec34">successful goal pursuit and wellbeing</a>. So, having time to work toward our goals is important. With this in mind, what is the best way to get things done – and how can we get better at achieving our goals, especially when we feel time poor? <h2>Make a list</h2> Most of us approach multiple goals with the age-old “to-do” list. First, you write down everything you need to do. Then you “check” or tick things off as you do them. One reason to-do lists are useful is because we are more likely to remember things we haven’t completed, rather than things we have. This is known as the <a href="https://www.youtube.com/watch?v=E-F1U4bV2m8">Zeigarnik effect</a>. While to-do lists are easy to write, they don’t always work. There are however <a href="https://hbr.org/2021/01/i-tried-4-to-do-list-methods-heres-what-worked">various approaches for to-do lists</a> that may improve their effectiveness. Another thing to consider is the wide range of apps, tools and platforms that can make tasks more fun and outsource mental load. Adding elements of game play like point scoring or competition – called “<a href="https://theconversation.com/how-gamification-could-revolutionise-creative-thinking-in-the-workplace-122852">gamification</a>” – can <a href="https://www.sciencedirect.com/science/article/pii/S0747563221002867">help people work toward goals in educational and work settings</a>. Similarly, app-based reminders can help people reach <a href="https://doi.org/10.1177/2047487320905717">physical rehabilitation goals and form good exercise habits</a>. <h2>Finding your why</h2> Researchers have focused a lot on the psychology of why people pursue goals – and how this affects their approach to tasks. For example, some people want to complete a university degree because they want to get a job. Others may be more interested in developing skills or knowledge. In both cases, there is a desired outcome – albeit with differing reasons. Our goals can be differentiated by who or what is driving them. Goals that feel like our own, and for which we experience a sense of intrinsic motivation, are known as “self-concordant”. These goals represent enduring personal interests, are aligned with values and are positively <a href="https://link.springer.com/article/10.1007/s12144-020-01156-7">linked to wellbeing</a>. <a href="https://link.springer.com/article/10.1007/s10648-006-9012-5">Goal orientation theory</a> offers a similar perspective. Using the same example, you may study so you score well on a test (a performance goal) or because you want to be sure you develop your knowledge (a mastery goal). Mastery goals tend to lead to <a href="https://link.springer.com/article/10.1007/s10869-010-9201-6">better results and self-regulation</a>. <h2>Juggling goals – 4 to-do tips</h2> So, what happens when we have multiple – perhaps even competing – goals, or goals that aren’t so enjoyable? We might want to finish writing a report or assignment, then read a few chapters of a textbook – but also go to the gym and binge a few episodes of our favourite TV show. In such scenarios, psychological science offers some insights into how we might stay task-focused, and on track to tick more items off our to-do list. 1. Beware the <a href="https://www.pwc.pl/en/articles/planning-fallacy-part-I-cognitive-traps.html">planning fallacy</a>. This happens when we underestimate the amount of resources (such as time) it will take to reach a goal. As writer and religious thinker William Penn put it: “Time is what we want most, but what we use worst”. Think through the all the steps and time required to complete your goal. 2. Monitor your progress. <a href="https://eprints.whiterose.ac.uk/91437/8/3_PDFsam_Does%20monitoring%20goal.pdf">Incorporating goal monitoring</a> into an activity can boost progress. And reviewing your estimations and expectations against your actual times and achievements can be used to calculate a “<a href="https://www.indeed.com/career-advice/career-development/estimating-time-for-tasks">fudge ratio</a>” to aid future planning. For instance, you could multiply your expected time on tasks by 1.5 to help buffer against the planning fallacy. 3. Focus on mastery. Self-concordant goals and tasks feel easier, and their underlying tasks may be <a href="https://journals.sagepub.com/doi/full/10.1177/0146167215575730">less subject to forgetting</a>. Tedious but necessary goals (such as doing the dishes or filling out forms) are less intrinsically motivating. This means <a href="https://www.emerald.com/insight/content/doi/10.1108/EBHRM-04-2014-0013/full/html#idm45933122746592">planning, reminders and support become more important to goal progress</a>. 4. Plan for derailments. People vary in their ability to plan and might forget to take a goal-directed action at an appropriate time (this could be one reason the <a href="https://www.sbs.com.au/news/article/the-streaming-services-winning-the-battle-for-attention-and-the-feature-australians-want/9crrpafgd">average Australian streams 27 hours of video each week</a>). <a href="https://www.tandfonline.com/doi/full/10.1080/10463283.2024.2334563">Implementation intentions</a> bring our attention back toward our goals by linking them to an environmental marker. These simple “if-then” plans are shown to <a href="https://cancercontrol.cancer.gov/brp/research/constructs/implementation-intentions#:%7E:text=Implementation%20intentions%20are%20formed%20for,might%20otherwise%20undermine%20goal%20striving.">help overcome issues with self-regulation</a>. Such a statement might be “if I see the ‘next episode’ icon appear, I will get up and turn off the TV so I can read a chapter of my textbook”. With time being frustratingly finite, it is inevitable we will run out of time to do all of the things on our to-do list. Finding an approach that works for us will take time and effort. But it’s probably a worthy goal in itself.<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/230399/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/kim-m-caudwell-1258935">Kim M Caudwell</a>, Senior Lecturer - Psychology | Chair, Researchers in Behavioural Addictions, Alcohol and Drugs (BAAD), <a href="https://theconversation.com/institutions/charles-darwin-university-1066">Charles Darwin 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/to-do-list-got-you-down-understanding-the-psychology-of-goals-can-help-tick-things-off-and-keep-you-on-track-230399">original article</a>. </div>

Mind

Paris in spring, Bali in winter. How ‘bucket lists’ help cancer patients handle life and death

<div class="theconversation-article-body"> <a href="https://theconversation.com/profiles/leah-williams-veazey-1223970">Leah Williams Veazey</a>, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a>; <a href="https://theconversation.com/profiles/alex-broom-121063">Alex Broom</a>, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a>, and <a href="https://theconversation.com/profiles/katherine-kenny-318175">Katherine Kenny</a>, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a> In the 2007 film <a href="https://www.imdb.com/title/tt0825232/">The Bucket List</a> Jack Nicholson and Morgan Freeman play two main characters who respond to their terminal cancer diagnoses by rejecting experimental treatment. Instead, they go on a range of energetic, overseas escapades. Since then, the term “bucket list” – a list of experiences or achievements to complete before you “kick the bucket” or die – has become common. You can read articles listing <a href="https://www.cnbc.com/2023/01/11/cities-to-visit-before-you-die-according-to-50-travel-experts-and-only-one-is-in-the-us.html">the seven cities</a> you must visit before you die or <a href="https://www.qantas.com/travelinsider/en/trending/top-100-guide/best-things-to-do-and-see-in-australia-travel-bucket-list.html">the 100</a> Australian bucket-list travel experiences. <figure><iframe src="https://www.youtube.com/embed/UvdTpywTmQg?wmode=transparent&start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe></figure> But there is a more serious side to the idea behind bucket lists. One of the key forms of suffering at the end of life <a href="https://onlinelibrary.wiley.com/doi/10.1002/pon.4821">is regret</a> for things left unsaid or undone. So bucket lists can serve as a form of insurance against this potential regret. The bucket-list search for adventure, memories and meaning takes on a life of its own with a diagnosis of life-limiting illness. In a <a href="https://journals.sagepub.com/doi/10.1177/14407833241251496">study</a> published this week, we spoke to 54 people living with cancer, and 28 of their friends and family. For many, a key bucket list item was travel. <h2>Why is travel so important?</h2> There are lots of reasons why travel plays such a central role in our ideas about a “life well-lived”. Travel is often linked to important <a href="https://doi.org/10.1016/j.annals.2003.10.005">life transitions</a>: the youthful gap year, the journey to self-discovery in the 2010 film <a href="https://www.imdb.com/title/tt0879870/">Eat Pray Love</a>, or the popular figure of the “<a href="https://theconversation.com/grey-nomad-lifestyle-provides-a-model-for-living-remotely-106074">grey nomad</a>”. The significance of travel is not merely in the destination, nor even in the journey. For many people, planning the travel is just as important. A cancer diagnosis affects people’s sense of control over their future, throwing into question their ability to write their own life story or plan their travel dreams. Mark, the recently retired husband of a woman with cancer, told us about their stalled travel plans: "We’re just in that part of our lives where we were going to jump in the caravan and do the big trip and all this sort of thing, and now [our plans are] on blocks in the shed." For others, a cancer diagnosis brought an urgent need to “tick things off” their bucket list. Asha, a woman living with breast cancer, told us she’d always been driven to “get things done” but the cancer diagnosis made this worse: "So, I had to do all the travel, I had to empty my bucket list now, which has kind of driven my partner round the bend." People’s travel dreams ranged from whale watching in Queensland to seeing polar bears in the Arctic, and from driving a caravan across the Nullarbor Plain to skiing in Switzerland. Nadia, who was 38 years old when we spoke to her, said travelling with her family had made important memories and given her a sense of vitality, despite her health struggles. She told us how being diagnosed with cancer had given her the chance to live her life at a younger age, rather than waiting for retirement: "In the last three years, I think I’ve lived more than a lot of 80-year-olds." <h2>But travel is expensive</h2> Of course, travel is expensive. It’s not by chance Nicholson’s character in The Bucket List is a billionaire. Some people we spoke to had emptied their savings, assuming they would no longer need to provide for aged care or retirement. Others had used insurance payouts or charity to make their bucket-list dreams come true. But not everyone can do this. Jim, a 60-year-old whose wife had been diagnosed with cancer, told us: "We’ve actually bought a new car and [been] talking about getting a new caravan […] But I’ve got to work. It’d be nice if there was a little money tree out the back but never mind." Not everyone’s bucket list items were expensive. Some chose to spend more time with loved ones, take up a new hobby or get a pet. Our study showed making plans to tick items off a list can give people a sense of self-determination and hope for the future. It was a way of exerting control in the face of an illness that can leave people feeling powerless. Asha said: "This disease is not going to control me. I am not going to sit still and do nothing. I want to go travel." <h2>Something we ‘ought’ to do?</h2> Bucket lists are also a symptom of a broader culture that emphasises conspicuous <a href="https://www.youtube.com/watch?v=JH_Pa1hOEVc">consumption</a> and <a href="https://productiveageinginstitute.org.au/">productivity</a>, even into the end of life. Indeed, people told us travelling could be exhausting, expensive and stressful, especially when they’re also living with the symptoms and side effects of treatment. Nevertheless, they felt travel was something they “<a href="https://doi.org/10.1080/14461242.2021.1918016">ought</a>” to do. Travel can be deeply meaningful, as our study found. But a life well-lived need not be extravagant or adventurous. Finding what is meaningful is a deeply personal journey. <hr /> Names of study participants mentioned in this article are pseudonyms.<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/225682/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/leah-williams-veazey-1223970">Leah Williams Veazey</a>, ARC DECRA Research Fellow, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a>; <a href="https://theconversation.com/profiles/alex-broom-121063">Alex Broom</a>, Professor of Sociology & Director, Sydney Centre for Healthy Societies, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a>, and <a href="https://theconversation.com/profiles/katherine-kenny-318175">Katherine Kenny</a>, ARC DECRA Senior Research Fellow, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a> Image credits: Getty Images This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/paris-in-spring-bali-in-winter-how-bucket-lists-help-cancer-patients-handle-life-and-death-225682">original article</a>. </div>

Caring

Samantha Armytage lists lavish holiday home

Samantha Armytage has listed her stunning holiday home in Hyams Beach for $3.2 million. The Farmer Wants A Wife host previously leased the lavish three-bedroom, two-bathroom property as a holiday rental for $1200 a night. Armytage bought property which sits on 658sqm of land in 2018 for $1.765 million, and she has extensively renovated the property since, which includes adding a new roof and redesigning the interiors. The property boasts plenty of natural light, and is just minutes away from Hyams Beach, which you can see from the balcony of the home. All the rooms feature plenty of natural light, with the master bedroom boasting ocean-views, which makes it perfect for families or couples looking for a holiday home. The home has a cottage aesthetic, with bright white walls and floorboards, that when combined with bamboo tables, woven storage baskets, and neutral-coloured furniture looks like the ideal beach retreat. It also features a large private backyard with an outdoor entertaining area and pergola. Armytage previously sold her $2.8 million Bondi home in 2020, the same year she got married to Richard Lavender. Her and Lavender have relocated to the Southern Highlands and are currently living on a 40-hectare farm in Berrima, which Richard purchased in 2007 for $ 1.95 million. Images: realestate.com.au / Getty

Real Estate

“I’m excited to be back”: Fergie joins list of luminaries Down Under

Sarah Ferguson has returned to Australia for the first time in years to help battle a major problem facing our nation, while sharing her love for the country. The Duchess of York is visiting Melbourne to take part in the <a title="www.globalcitizen.org" href="https://www.globalcitizen.org/en/now/melbourne/" target="_blank" rel="noopener">Global Citizen NOW</a> summit from March 4th, which is seeking to drive urgent action to end extreme poverty and address the climate crisis in the Asia-Pacific region. In an exclusive interview with <a href="https://www.news.com.au/lifestyle/real-life/news-life/why-sarah-fergie-ferguson-duchess-of-york-is-back-in-australia/news-story/0a99dbcd4c518d12dcd56b11e89186ba" target="_blank" rel="noopener">news.com.au</a>, Fergie shared her love of Australia, describing the country as a "haven" and sharing her excitement to be back Down Under. “Australia feels like a home away from home to me,” the 64-year-old royal said. “My sister Jane has lived here for decades, so I have visited many times over the years. I have so many memories of wonderful moments." “I remember the excitement of going to the Melbourne Cup with my mother, for example. I’m excited to be back again to make new memories." “I love the Aussie outlook on life and of course I adore your incredible landscapes and wildlife, which are like nothing you see in Europe." “Australia has often been a haven for me. One thing I particularly like is that there is no culture of building people up in order to knock them down again later, which you see elsewhere.” Fergie will be joined at the summit by hundreds of other leading voices, famous personalities and political figures, including actor Hugh Jackman, musicians Crowded House and former Australian Prime Minister Julia Gillard. The Duchess said that she has taken a special interest in the issue of preserving the planet for future generations, worrying about what the state of the world looks like in the years to come for her grandchildren. “Becoming a grandmother has really changed my outlook on life,” she revealed. “I have always loved nature and the great outdoors, but now I find myself reflecting on what sort of world we are going to leave to our grandchildren’s generation." “Let’s be honest, it doesn’t look great, does it? So far, my generation has failed to take the big decisions necessary to safeguard the future of the planet, to the point that scientists are telling us the changes we are seeing to our climate and biodiversity are becoming irreversible." “I really hope we can take global, concerted action to change things. We have a responsibility to do so." Image credits: Getty Images

Caring

A-list Hollywood star’s son dies at just 33

Gary Sinise, known for his A-list Hollywood movie roles, has shared that his son has passed away at the age of 33. The 68-year-old announced that McCanna “Mac” Sinise passed away on January 5th after a five-and-a-half year battle with chordoma, a rare form of cancer. The Gary Sinise Foundation took to Instagram to share a picture of Mac with the caption, “In Honour & Memory of McCanna ‘Mac’ Sinise 1990-2024.” In a message shared on the <a href="https://www.garysinisefoundation.org/mac-tribute" target="_blank" rel="noopener">Gary Sinise Foundation website</a>, Sinise opened up about the devastating loss of his son. “Like any family experiencing such a loss, we are heartbroken and have been managing as best we can,” he wrote. <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-permalink="https://www.instagram.com/p/C33KTEfN06g/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/p/C33KTEfN06g/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by Gary Sinise Foundation (@garysinisefoundation)</a> </div> </blockquote> “As parents, it is so difficult losing a child. My heart goes out to all who have suffered a similar loss, and to anyone who has lost a loved one. We’ve all experienced it in some way. Over the years I have met so many families of our fallen heroes. It’s heartbreaking, and it’s just damn hard." “Our family’s cancer fight lasted for 5 ½ years, and it became more and more challenging as time went on. While our hearts ache at missing him, we are comforted in knowing that Mac is no longer struggling, and inspired and moved by how he managed it.” “He fought an uphill battle against a cancer that has no cure, but he never quit trying,” Sinise went on." Sinise shared his story because he and his family “hope to shine a little bit of light on what has been a difficult time.” “Mac was truly a light for all of us,” he added. "An incredible inspiration to those who knew and loved him, he faced his battle with grace, courage, and love. Even with one setback after another, he never stopped living and learning, creating, and giving, and loving." He continued, “Thank you, Mac. You will live in our hearts forever. We were blessed to have you in our lives as son, brother, and friend … and we will miss you and love you for eternity.” Gary Sinise, who has won an Emmy, a Golden Globe and a Tony, is known for his role as Lieutenant Dan in Forrest Gump, as well as his roles in Apollo 13 and The Green Mile, and TV shows such as CSI: NY. Image credits: Getty Images

Family & Pets

“It’s not personal”: New mum shares divisive list of rules

An expecting mum has divided opinions with an extensive list of strict rules her family and friends must follow if they want to meet her new baby. KIIS FM hosts Kyle Sandilands and Jackie O read out the list live on air, as they debated the rules and regulations put in place by the pregnant woman. The rules included not touching the baby, being vaccinated and only going to see the child if you've been asked, with the hosts asking listeners if they thought the rules were “too strict” or “reasonable”. “We're drawing closer to the birth of our daughter, and we couldn't be more excited, but unfortunately we have to implement some boundaries. We hope you can respect our wishes and no one takes these personally,” the mum's announcement read. First, the mum declared that there will be no information about the baby put online, including photos and information of the child’s name, or even an announcement that she had given birth. “If we want you to know, you'll know,” the mum outlined. Next, she said that only those who have “checked in” with the expecting parents since the announcement of the pregnancy will be notified of the birth. The mum took a brutal swing at anyone else she hasn't heard from and wrote, “Otherwise we have taken your silence as not being interested in our friendship and it is also reciprocated.” The couple went on to add that for the first two weeks following the birth, they will not be having any visitors. “No exceptions, no texts, no calls,” the mum wrote in capital letters, further explaining that no visitors will be welcome at either the hospital or at home. The couple also expect those who want to meet the baby to be vaccinated. “Don't be offended if we ask for proof. We will not be putting her health at risk,” the point read. The mum also asked visitors to “not smell of cigarettes or wear cologne or perfume that is too strong when meeting the baby”. Lastly, if family or friends visit the couple at home they will need to bring their own snacks and drinks. “Please do not expect to be hosted. Mum will probably be tired,” the list read. After sharing a video on TikTok, some mentioned the number one parenting rule of all: “their baby, their rules”. “Not a single one of those rules is unreasonable,” one person commented online. “The people triggered over this are the type of people these boundaries are intended for,” another added. However, others deemed the list as “passive aggressive”. “Yeah right, nice knowing ya,” one wrote, while another said, “I hope she knows what she's doing.” Image credits: Getty Images

Family & Pets

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

Grant Denyer serenades one of Australia's oldest Deal or No Deal contestants

In the latest feelgood episode of Deal or No Deal, 94-year-old contestant Phyllis Goldsack was given the chance to win $100,000. As one of the oldest contestants on the show, Phyllis kept everyone entertained as she challenged the banker. In one particularly sweet moment, game show host Grant Denyer serenaded her with a special song. A clip of the moment was shared on X, formerly known as Twitter, with the caption: "We're not crying, you're crying," and the crying emoji. "Okay the deal is, if I serenade you, with the song of your choosing, you get $800 from my pocket," Grant told Phyllis in the show. The audience were touched when Phyllis revealed that her late husband only ever sang her one song when he proposed, You Are My Sunshine. <blockquote class="twitter-tweet"> We're not crying, you're crying! 😭<a href="https://twitter.com/hashtag/DealOrNoDealAU?src=hash&ref_src=twsrc%5Etfw">#DealOrNoDealAU</a> 6.00 Weeknights on <a href="https://twitter.com/Channel10AU?ref_src=twsrc%5Etfw">@channel10au</a> and 10 Play. <a href="https://t.co/CVR0M5rq7y">pic.twitter.com/CVR0M5rq7y</a> — Deal Or No Deal Australia (@DealOrNoDealAUS) <a href="https://twitter.com/DealOrNoDealAUS/status/1756942546767339956?ref_src=twsrc%5Etfw">February 12, 2024</a></blockquote> "Should we do it one more time maybe?" Grant asked Phyllis who eagerly replied: "yes, you sing it for me". The crowd joined in and serenaded the 94 year old. “Thank you, you know you have made me feel so happy,” she told Grant. Although Phyllis did not win the $100,000, she went home $9,255 richer, which was the best offer she received from the banker. “That’s why I do this show!” Grant said. Images: X

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