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I spoke to 100 Japanese seniors, and learnt the secret to a good retirement is a good working life

<div class="theconversation-article-body"> <p><em><a href="https://theconversation.com/profiles/shiori-shakuto-1537774">Shiori Shakuto</a>, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a></em></p> <p>What makes a good retirement? I’ve <a href="https://www.pennpress.org/9781512827088/after-work/">been researching</a> the lives of “silver backpackers”: Japanese seniors who embark on a later-life journey of self-discovery.</p> <p>Many experienced Japan’s high-growth economy, characterised by rigid gender roles. For many men who worked as iconic cultural figures of <em><a href="https://en.wikipedia.org/wiki/Salaryman">sarariiman</a></em> (white collar workers), excessive working hours were normalised and expected. Their absence from home was compensated by their female partners, many full-time stay-at-home mothers.</p> <p>Entering their 60s meant either retirement from work, or children leaving home. For men and women, retirement is understood as an opportunity to live a life for themselves, leading to a journey of self-discovery.</p> <h2>Dedicating life to work</h2> <p>I interviewed more than 100 older Japanese women and men and found a significant disparity in the quality of life between them.</p> <p>Japanese retired men who led a work-oriented life struggled to find meaning at the initial stages of retirement.</p> <p>One man I spoke to retired at the age of 60 from a large trading company. He was a successful businessman, having travelled the world and held various managerial positions in the company. His wife looked after the children most of the time.</p> <p>They bought a house with a yard in a suburb so the children could attend a good school. It significantly increased his commute, and further reduced his time with children. He also worked on weekends. He barely had time to develop his hobbies or get to know his neighbours.</p> <p>He idealised his retirement as a time to finally spend with his family and develop his own hobbies. When he retired, however, he realised that he and his family didn’t have any common topics of conversation.</p> <p>Through decades of excessive hours spent at work away from home, the rest of the family established a routine that did not include him. Taking up new hobbies at the age of 60 was not as easy as he thought, nor was making new friends at this age.</p> <p>“I became a <em>nureochiba</em>,” he lamented. <em>Nureochiba</em> refers to the wet fallen leaves that linger and are difficult to get rid of. The term is commonly used to describe retired men with no friends or hobbies who constantly accompany their wives.</p> <p>The retirement for many former <em>sarariiman</em> was characterised by boredom – having nowhere to go to or having nothing to do. The sense of boredom led to a sense of isolation and low confidence in old age. Many older Japanese men I spoke to lament not having built a connection with their children or communities at a younger age.</p> <h2>Dedicating life to family and community</h2> <p>Older Japanese women I spoke with were more well-connected with their children and local communities in later life. Many were in regular contact with their children through visits, phone calls and messages. Some continued to care for them by providing food or by looking after grandchildren. Children very much appreciated them.</p> <p>Many older women who had been full-time stay-at-home mothers had already taken up hobbies or volunteering activities at community organisations, and they could accelerate these involvements in their old age.</p> <p>Even women who worked full-time seemed to maintain better connections with their family members because working excessively away from home was simply not possible for them.</p> <p>Older men relied on these women’s networks and activities conducted at the scales of home and communities – from caring for others to pursuing hobbies – to enact a meaningful retirement. The sense of connection with family and communities, not to mention their husbands’ reliance on them, led to a high confidence and wellbeing among older women.</p> <p>I saw many instances where older women preferred spending time with their female friends than their retired husbands and embarked on adventurous trips alone. One woman went on a three-month cruise alone. Feeling liberated, she sent a fax message to her husband from the ship: “When I get off this ship, I will devote the rest of my life to myself. You will have to take care of your own mother.”</p> <p>Upon disembarking, she moved to Malaysia to start her second life.</p> <h2>The silver backpackers</h2> <p>Malaysia has become a popular destination for silver backpackers looking to embark on a journey of self-discovery. Some travel as couples, while others go alone, regardless of their marital status.</p> <p>For many male silver backpackers I spoke to, moving to Malaysia offers a second chance at life to make new friends, find hobbies and, most importantly, start anew with their partners.</p> <p>For many female silver backpackers, visiting Malaysia means being able to enjoy an independent lifestyle while having the security of friends and family in Malaysia and Japan.</p> <p>The experiences of older Japanese men and women can be translated into the experiences of anyone who spent excessive hours at work and those who spent more time cultivating relationships outside of work. The activities of the latter group are not as valued in a society that narrowly defines productivity. However, my research shows that it is their activities that carry more value in old age.</p> <p>Are you under pressure to work long hours? If you can, turn off your phone and computer. Instead of organising events for work, organise a dinner with your family and friends. Take up a new hobby in your local community centres. You can change how you work and live now for a better old age.<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/238571/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><a href="https://theconversation.com/profiles/shiori-shakuto-1537774"><em>Shiori Shakuto</em></a><em>, Lecturer in Anthropology, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/i-spoke-to-100-japanese-seniors-and-learnt-the-secret-to-a-good-retirement-is-a-good-working-life-238571">original article</a>.</em></p> </div>

Retirement Life

Five signs in your senior pet you shouldn’t ignore

<p dir="ltr">Just like humans, pets can become susceptible to health complications as they age. </p> <p dir="ltr">Cats are considered senior at around 11 years, and many dogs are considered senior from about seven years old, depending on their breed. </p> <p dir="ltr">As your furry friends get older, it's important to look out for these five changes in your pet, because if caught early, addressing them promptly may significantly improve their well-being, lifespan and quality of life. </p> <p dir="ltr"><strong>Dramatic weight changes</strong></p> <p dir="ltr">If your pet either loses or gains weight dramatically, it’s time to book an appointment at the vets. </p> <p dir="ltr">Significant weight changes can signal issues such as heart disease, diabetes, liver disease, or alterations in metabolism and muscle tone, which are sometimes associated with ageing.</p> <p dir="ltr"><strong>Increased thirst</strong></p> <p dir="ltr">An increase in thirst, and in turn an increase in urination, could be the sign of several health conditions such as kidney disease or diabetes. </p> <p dir="ltr">Addressing these symptoms early can help manage the condition and drastically improve your pet's quality of life.</p> <p dir="ltr"><strong>Changes in appetite</strong></p> <p dir="ltr">Several health problems in pets can manifest in a change of appetite, whether it's a decrease or increase in hunger. </p> <p dir="ltr">Changes in appetite might be due to dental issues, gastrointestinal problems, diabetes or more severe conditions like cancer. </p> <p dir="ltr"><strong>Signs of chronic pain</strong></p> <p dir="ltr">Chronic pain can present in pets in many different ways, such as Repeated chewing, biting, or scratching at a specific area, altered activity levels, reluctance to move or jump, or poor response to medications.</p> <p dir="ltr">If your furry friend looks like they are struggling to move, or are slower when getting up and down, it's time to schedule a trip to the vet.</p> <p dir="ltr"><strong>Changes in demeanour </strong></p> <p dir="ltr">As pets age, they can experience similar symptoms to humans, such as changes in vision, hearing and general confusion. </p> <p dir="ltr">Some pets can even experience dementia, with symptoms including anxiety, aimless wandering, decreased appetite, and notable shifts in behaviour. </p> <p dir="ltr">Although there is no cure, management is possible through medication, dietary adjustments, and lifestyle changes and available under veterinary guidance.</p> <p dir="ltr"><em>Image credits: Shutterstock </em></p>

Family & Pets

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

<div class="theconversation-article-body"> <p><em><a href="https://theconversation.com/profiles/steve-worthington-138">Steve Worthington</a>, <a href="https://theconversation.com/institutions/swinburne-university-of-technology-767">Swinburne University of Technology</a></em></p> <p>You head to the register at the cafe to pay for your lunch, swipe your card and suddenly realise you’ve been hit with an extra small but unexpected charge.</p> <p>It might be listed on your receipt as a service or merchant fee, but either way it’s because you’ve used a credit or debit card.</p> <p>With the pandemic accelerating the use of cards instead of cash – <a href="https://www.rba.gov.au/publications/bulletin/2023/jun/cash-use-and-attitudes-in-australia.html#:%7E:text=Cash%20payments,-The%20CPS%20suggests&text=In%20value%20terms%2C%20the%20cash,cent%20by%20value%20in%202022.">only 13% of Australians use cash</a>, dropping from 27% in the last five years – these extra charges have become mainstream.</p> <p>However, as was highlighted by National Australia Bank chief executive Andrew Irvine during a <a href="https://www.aph.gov.au/Parliamentary_Business/Committees/Joint/Corporations_and_Financial_Services/FinancialAbuse">parliamentary inquiry</a> into bank charges last week, they are often applied, in varying amounts, by businesses for reasons not always in line with their original purpose.</p> <p>Irvine slammed as <a href="https://www.afr.com/companies/financial-services/credit-card-surcharges-should-be-banned-or-regulated-nab-boss-says-20240830-p5k6jm">“outrageous”</a> a 10% surcharge he was forced to pay when he recently bought a cup of coffee at a Sydney cafe. “I don’t like the lack of transparency and lack of consistency,” he said.</p> <p>But most Australians are making these extra payments every day, without question. So how did this end up happening – and what can you do about it?</p> <h2>Card surcharges in Australia</h2> <p>At the start of this century, payments for goods and services were mainly made by cash, paper cheques, credit and debit cards.</p> <p>The first two of these options would eventually be deposited into a bank account by the merchant who ran the business. The latter two would be processed by the bank or financial institution which would charge the business a merchant service fee.</p> <p>For debit cards this might be a fixed fee. But for credit cards it would be proportionate with the value of the goods or services.</p> <p>The Reserve Bank of Australia became concerned the use of credit cards was greater than that of debit cards and <a href="https://www.rba.gov.au/publications/consultations/201106-review-card-surcharging/background.html">introduced surcharging in January 2003</a>. The intention was to lower the cost to the merchant of accepting debit cards and change customer behaviour.</p> <p>This has been achieved, as both the volume and value of paying by debit cards now exceeds the volume and value of paying by credit cards.</p> <p>However, the reality in 2024 is that card surcharges have become commonplace, and in a wide variety of payment situations.</p> <h2>It’s estimated to cost us billions</h2> <p>It is difficult to calculate the total cost of surcharging to Australian consumers since they became legal more than 20 years ago, because the rates charged vary widely.</p> <p>But at last week’s inquiry, Labor MP Jerome Laxale suggested it added up to <a href="https://www.smh.com.au/money/banking/card-surcharges-are-costing-us-billions-but-can-they-be-avoided-20240830-p5k6o8.html">A$4 billion</a> in the last year.</p> <p>Surcharges can be imposed by small to medium enterprises such as your local cafe, doctor’s surgery, your energy supplier, or when you use a card to pay your council rates.</p> <p>As an example, my rates are payable by card, with a surcharge of 1.10% for Mastercard and Visa credit, and 0.55% for eftpos and Mastercard and Visa debit cards.</p> <h2>When surcharges can be applied</h2> <p>Many merchants charge the same rate for all their card payments and some fail to alert customers to the extra fee before accepting the payment at their terminal, which they are required to do.</p> <p>Indeed, even on a receipt for payment, the surcharge can be described by the merchant as a “handling” or “merchant” fee.</p> <p>The Australian Competition and Consumer Commission <a href="https://www.accc.gov.au/consumers/pricing/card-surcharges">(ACCC)</a> regulates surcharging and demands the merchant prove a surcharge is justified.</p> <p>Furthermore, the ACCC says if there is no way for a consumer to pay without paying a surcharge – that is, they can’t pay by cash or cheque – then the business must include the surcharge in <a href="https://www.accc.gov.au/business/pricing/price-displays#toc-display-of-surcharges">the displayed price</a>.</p> <h2>Penalties for misuse</h2> <p>The ACCC can take merchants to court to enforce these regulations and there have been some examples of this in recent history.</p> <p>In July 2021, <a href="https://www.accc.gov.au/media-release/nine-entertainment-pays-penalties-for-alleged-excessive-payment-surcharges#:%7E:text=The%20ACCC%20alleged%20that%20these,Deputy%20Chair%20Mick%20Keogh%20said.">Nine Entertainment paid penalties totalling $159,840</a>, plus $450,000 redressing customers, for charging subscribers and advertisers excessive surcharges.</p> <p>The ACCC specifies that the surcharge must not be more than it costs the merchant to use that payment type.</p> <p>As guidance to the merchants, it also offers <a href="https://www.accc.gov.au/consumers/pricing/card-surcharges">the average costs for different payment types</a>: eftpos less than 0.5%, Mastercard and Visa Debit 0.5%–1% and Mastercard and Visa credit 1%–1.5%.</p> <p>However, despite the ACCC setting guidelines for the amounts that can be charged, many surcharges are above this guidance and in some cases more than 2.0% for all cards.</p> <p>Some merchants do charge different surcharging rates, depending on the cards they accept, be it eftpos, Mastercard or Visa. In theory, the surcharge rate is meant to be determined by the merchant service fee, which is negotiated between the merchant and their bank.</p> <p>Larger merchants, such as the supermarkets, department stores and energy companies, can negotiate low rates (reportedly as low as one cent a transaction). But smaller merchants with less negotiating clout will have higher service fees.</p> <p>The arrival of new payment players, such as <a href="https://www.forbes.com/advisor/business/software/square-vs-stripe/">Square and Stripe</a>, has offered businesses an alternative banker of card payments, which can then use surcharging as part of their merchant service fees.</p> <h2>Surcharging overseas</h2> <p>The <a href="https://europa.eu/youreurope/business/finance-funding/making-receiving-payments/electronic-cash-payments/index_en.htm">European Union</a> already has a long-standing ban on surcharging, while in the United States, surcharging is illegal in some states.</p> <p>Other countries, including the United Kingdom, have tried surcharging on card payments, only to abandon them as it was rorted by some merchants and became an unnecessary expense for consumers.</p> <p><a href="https://bluenotes.anz.com/posts/2023/07/anz-news-surcharge-steve-worthington-australia#:%7E:text=In%202018%20the%20UK%20Treasury,their%20hard%2Dearned%20money%E2%80%9D.">A statement</a> released by the UK Treasury when it banned the practice in 2018 described surcharges as</p> <blockquote> <p>Hidden charges for paying with a debit or credit card, which will help millions of UK consumers to avoid rip-off fees when spending their hard earned money.</p> </blockquote> <h2>What can you do about it?</h2> <p>Before surcharging was allowed by the Reserve Bank in January 2003, acceptance by merchants of payments was just another cost of doing business. And it seems many consumers have just accepted surcharges as part of their transactions.</p> <p>There are ways to avoid them, the most obvious being to use cash. Using eftpos involves charges, but they are less than those imposed on credit and debit cards.</p> <p>The Reserve Bank is working on implementing a so-called <a href="https://www.rba.gov.au/payments-and-infrastructure/debit-cards/least-cost-routing/#:%7E:text=What%20is%20least%2Dcost%20routing,'merchant%2Dchoice%20routing'.">“least-cost routing”</a> system that defaults to the lowest cost network when processing payments. Unfortunately, this is yet to be widely adopted by businesses.<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" /></p> <p><a href="https://theconversation.com/profiles/steve-worthington-138"><em>Steve Worthington</em></a><em>, Adjunct Professor, <a href="https://theconversation.com/institutions/swinburne-university-of-technology-767">Swinburne University of Technology</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/surcharges-are-added-to-most-purchases-but-what-are-the-rules-behind-these-extra-fees-237964">original article</a>.</em></p> </div>

Money & Banking

Readers response: What advice would you give to seniors looking to start a new relationship?

<p>When entering the dating world, there are always nerves, expectations and excitement at any age.</p> <p>But when it comes to dating and starting new relationships in your senior years, priorities can be skewed, and meeting someone can be nerve-wracking. </p> <p>We asked our readers what advice they would you give to seniors looking to start a new relationship, and the response was overwhelming. Here's what they said. </p> <p><strong>Judy Chappell</strong> - Don’t! Nothing better than independence & freedom late in life after 63 years married. I have my kids, grandkids, great grandies & great friends that’s enough for me. Don’t need another male around.</p> <p><strong>Jan Heggie</strong> - If it feels right, do it. If it doesn’t feel right after a while, leave. Life is too short to not enjoy it.</p> <p><strong>Karen Simpson Nikakis</strong> - Put legals in place to protect your assets, do not cohabit or marry, and split all bills. </p> <p><strong>Lois Hone </strong>- Be true to yourself. Choose someone who completes you, the one person you feel you can’t live without. The one person, who makes you smile, laugh and is still there when you are sad and hurt and wants to support you. Oh and if they like to cook and clean as well, go for it!</p> <p><strong>Julie Fause</strong>r - Live each in your own home.</p> <p><strong>Marilyn Langelaar </strong>- Do not compare to previous partner.</p> <p><strong>Janet Olsson</strong> - Be careful. Don't rush into anything.</p> <p><strong>Lynn Dilley</strong> - Just go for it if you are happy and feel safe, but keep your money and documents to yourself.</p> <p><strong>Merle Finlayson</strong> - Go for it! It’s never too late.</p> <p><strong>Margot R McCamley </strong>- Enjoy the relationship, but there are always buts so tread carefully. Think it through thoroughly, but don't dismiss it as folly.</p> <p><em>Image credits: Shutterstock</em></p>

Relationships

Readers response: What are your thoughts on online dating or dating apps for seniors?

<p>When it comes to dating, there are many ways people find their perfect person, and for many that happens online. </p> <p>We asked our readers what their thoughts are on an online dating app for seniors, and the responses were overwhelming. Here's what they said. </p> <p><strong>Kristeen Bon</strong> - I tried it for a bit, but found the men to be so unrealistic in their expectations. What they say they want and what they REALLY want are poles apart.</p> <p><strong>Helen Smith</strong> - It works great but men really need to look in a mirror now and then.</p> <p><strong>Sue Rowley</strong> - Personally, I’m happy on my own, but if you’re looking for a partner where else is there to meet someone? Pub, supermarket, dog walking? Not many options really, especially when you’re older.</p> <p><strong>Jenny Gordon</strong> - Would not consider it. Would prefer to stay single than see how friends and relatives have been affected by using them.</p> <p><strong>Ali Veldman</strong> - Risky at any age, in my opinion.</p> <p><strong>Diane Derby</strong> - I’d never entertain one. I like being by myself, plus two much catfishing and ghosting to be able to find a decent type.</p> <p><strong>Margaret Godfrey</strong> - Tried it. A dismal failure in a small population. What is the point of men interstate responding when you live a plane flight away?</p> <p><strong>John Coffey</strong> - Met my late partner online, and had a great 10 years. It can be a minefield though.</p> <p><em>Image credits: Shutterstock </em></p>

Relationships

Warning over new scam preying on seniors

<p>Police have issued an urgent warning for seniors to stay vigilant as a new scam targets more vulnerable Australians. </p> <p>Wollongong police officers have received reports of wills and estate documents allegedly being forged earlier this year, with inquiries ongoing. </p> <p>Scammers are currently targeting vulnerable members in the Illawarra community in Sydney, with elderly members of the community and their families being urged to take precautions to lower the risk of the new scam. </p> <p>"Examples of estate fraud include: a person signing a will that was a different document then they intended to sign, a person signing a will when they limited mental capacity, and an executor could pay themselves advances or unreasonable expenses from the estate,” a statement from a NSW Police spokesperson explained.</p> <p>Will fraud occurs when misleading or deceptive conduct is used while preparing a will. </p> <p>Executor fraud occurs when a person appointed to administer an estate uses deceitful tactics to gain access to estate assets, including false, fabricated or misleading statements used for the financial benefit. </p> <p>Anyone who has been affected or anyone with information have been urged to come forward to police. </p> <p><em>Image: Shutterstock</em></p> <p> </p>

Legal

Aussies hit with "hidden fees" for using common payment method

<p>Millions of Aussies have copped up to $1 billion in "hidden fees" for choosing to use one common payment method. </p> <p>Many are unaware about the secret extra charges that come with using the tap-and-go payment method, as millions of customers use it as the preferred way to pay and go. </p> <p>However, according to financial counsellor Scott Pape, also known as The Barefoot Investor, while tapping your card may be easier, it might not be great for your bank account.</p> <p>“What most people don’t know is that, when they tap, their bank generally defaults that payment through Visa or MasterCard, who pays them a fee — instead of defaulting that payment through the much cheaper bank-owned EFTPOS,” Pape said in his column for the <em><a href="https://www.dailytelegraph.com.au/business/barefoot-investor/the-common-smartphone-app-thats-ripping-you-off/news-story/0b71afa29c86faf2b938c44f93bbc8d6?amp" target="_blank" rel="noopener" data-link-type="article-inline">Daily Telegraph</a></em>.</p> <p>While some businesses choose to absorb the cost, others pass it on to the customer as a surcharge, as Pape says, “Talk about a rort.”</p> <p>According to the Royal Bank of Australia (RBA), Visa and Mastercard are generally more expensive for merchants than the EFTPOS network.</p> <p>Payments through EFTPOS are generally about 0.3 per cent of the transaction value, while Debit Mastercard and Visa Debit may cost many some people about 0.5 per cent.</p> <p>Mastercard and Visa credit could cost customers more than 0.75 per cent of the transaction, while American Express card payments are even more, charging merchants 1 to 1.5 per cent.</p> <p>Thankfully, according to Pape, there are ways to avoid paying the extra fees. </p> <p>If your bank card is attached to your smartphone, you can change the default payment setting.</p> <p>“On an iPhone, open ‘Settings’, go to ‘Wallet & Apple Pay’, then tap your debit card,” Pape said.</p> <p>“Then look for ‘Payment Option’. It will generally have ‘MasterCard’ or ‘Visa’ preselected, but instead you should select ‘EFTPOS SAV’.”</p> <p>This is not allowed on all cards, however, and those who use Android will need to check with their bank if a possible solution exists.</p> <div> </div> <p>The other way to avoid paying the surcharges is to just start inserting or swiping your card again.</p> <p>“I know it’s annoying, but if you swipe and insert your card you can choose ‘cheque’ or ‘savings’ and it’ll go through the EFTPOS system, which at the bigger retailers means you’ll be less likely to be charged,” Pape said.</p> <p><em>Image credits: Shutterstock </em></p>

Money & Banking

10 ways to cruise as a senior

<p>Just because you’re older, that doesn’t mean you can’t experience all that a cruising holiday has to offer. Follow our simple tips for a fun filled holiday on the water.</p> <p><strong>1. Choose the right ship</strong></p> <p>Cruise ships today carry anywhere from six to 6,000 people. The larger megaliners tend to be geared towards families with plenty of crazy rides and high-energy activities. They’ll also probably be crowded with kids. Smaller boutique ships operate at a slower pace and are generally stocked with an older crowd. Do your research and find one to suit you.</p> <p><strong>2. And the right cabin</strong></p> <p>Do you need an accessible cabin? Do you want to reduce walking with a cabin close to the elevators? Is it important for you to have some outside space of your own? These are all important questions that you’ll need to answer when you book. The right cabin can make or break a cruise.</p> <p><strong>3. Pick an appropriate itinerary</strong></p> <p>You’ll need to decide if you want to visit new places every day or spend more time onboard the ship. Both have their advantages and disadvantages. Port heavy itineraries, where you’re stopping at a new destination every day, can be tiring. On the other hand, you might get bored with too many days at sea. Think realistically about your needs and make the right choice for you.</p> <p><strong>4. Research your dates</strong></p> <p>One of the best things about being a senior traveller is that you are (generally) no longer bound by things like school holidays. By avoiding these times you’ll not only save money, you won’t be on a ship with an unusually high proportion of children. When cruising in the Caribbean, you’ll also need to keep in mind the US college holidays so you’re not trapped with a bunch of boozy spring breakers.</p> <p><strong>5. Allow extra time</strong></p> <p>It’s a sad fact of ageing that you’re not as quick on your feet as you used to be. That means you’ll need to factor in extra time for just about everything. Ships can be huge, so you don’t want to be rushing to make a dinner reservation or spa appointment. This applies on shore too. If you’re really late, the ship will leave without you so don’t cut it too fine.</p> <p><strong>6. Choose the right shore excursions</strong></p> <p>Before you book, have a chat with the shore excursions team and get a good idea of the physical requirements. What they consider minimal walking might not be the same as what you consider minimal walking. These tours aren’t cheap, so you want to be sure that you can enjoy everything it involves.</p> <p><strong>7. Look at onboard activities</strong></p> <p>You might not want to get off at every port (which can be exhausting) but still want to be entertained onboard. And adventurous activities like skydiving simulators and giant waterslides may not be your thing any more. Many cruise lines offer fantastic enrichment programs onboard where you can listen to world-class lecturers, learn new skills or watch performances from the likes of the Royal Academy of Dramatic Arts or the Lincoln Centre.</p> <p><strong>8. Give yourself time to relax</strong></p> <p>You’re on holiday! If you want to spend a day in bed, watching movies and ordering room service then do exactly that. Don’t feel any pressure to be up and about every day.</p> <p><strong>9. Travel with the right companions</strong></p> <p>Solo, couple, friends or family, there’s a cruise for every group. Cruising is hugely popular with multi-generational groups as there something for everyone to do, but it might not make for the most relaxing holiday. If you’re a solo traveller, you can book a single cabin all to yourself or find a room mate with any number of matching services. Just think carefully – because once you’re onboard with your travel buddy, there’s no getting off.</p> <p><strong>10. Think about medical care</strong></p> <p>Be realistic about any medical needs you may have. Most ships have a decent medical centre, but if you are spending multiple days at sea or cruising to very remote destinations and something happens it might not be enough to help you. If you are concerned, choose cruises that stay close to shore or visit developed countries where you can get proper treatment quickly.</p> <p><em>Image credits: Shutterstock </em></p>

Cruising

"Am I being too sensitive?": Woman's dilemma after partner forgets 60th birthday

<p>A woman has shared her dilemma on how to approach her partner of 30 years, after he forgot her 60th birthday. </p> <p>"It's my 60th birthday today, and my partner of 30 years has not acknowledged it. Should I tell him?" she titled her post on Reddit. </p> <p>"It's my actual birthday today, and whilst we have planned a big party for next weekend, when I woke up this morning I expected a 'Happy Birthday!' and a smile," she continued. </p> <p>"I didn't get anything. He started my coffee but he does that almost every morning.</p> <p>"At first I thought maybe he forgot but now I am thinking that he thinks he doesn't have to say anything because we are having a big party this weekend. </p> <p>"Am I being too sensitive? Should I tell him? If so, how?" she asked in her post. </p> <p>Hundreds of Reddit users took to the comments to share their thoughts on how to approach the situation, with a few sharing crafty solutions of their own. </p> <p>"I'd make a joke of it. 'I can't believe they moved my birthday!' Or 'I saw on the TV we should ask easy questions to check for dementia- I'll ask you first, when's my birthday?'" one user playfully suggested. </p> <p>"I'm going to say the absolute minimum I'd expect for ANY birthday is my wife wishing me a Happy Birthday. Don't let it fester and ruin your day - just ask him about it" another added. </p> <p>One user saw the bright side of things and said: "He's handed you the best birthday present of all - the opportunity to use this against him for the next twenty years.</p> <p>"I'd be rubbing my hands with glee. Happy Birthday!" </p> <p>"Happy Birthday. Go out and buy a large cake. Eat it all yourself. Nobody need ever know" to which she responded: "there is a Costco not that far away. Go big or go home." </p> <p>Another Redditor came up with an elaborate plan on how she could get her partner's attention. </p> <p>"Purchase this 'Acknowledge Me' t-shirt of WWE wrestle Roman Reigns. Then write 'Birthday' on a piece of card and use some tape to stick on the t-shirt. 'Acknowledge Me Birthday.' Then just wear it around the house," they said. </p> <p>The woman was onboard with the plan, but luckily she didn't need to apply any of their crafty solutions and shared an update. </p> <p>"He just came up to my home office and gave me a big hug, admitting he had forgotten because he was so focussed on both work and next weekend's party," she wrote. </p> <p>"He apologised sheepishly, which was exactly the best outcome possible. Now I have both my birthday acknowledged as well as a fine story and/or bit of ammo to be saved for another day.</p> <p>"So there you go. I've cancelled the 'acknowledge me' t-shirt order, and shall now share my Costco cake with him instead of eating it from across the table, glaring.</p> <p>"Thank you everyone for the very fine passive aggressive suggestions which made me smile. Much appreciated!"</p> <p><em>Image: Getty</em></p> <p> </p>

Relationships

Grandma faces deportation after 40 years in Australia

<p>Mary Ellis, 74, has lived in Australia for over 40 years, but now she faces deportation. </p> <p>The grandmother is known as a local hero in northern New South Wales, for her charitable acts including helping feed the homeless in Tweed Heads, raising money for the Salvation Army. </p> <p>She was even nominated for the NSW Volunteer of the Year award last year. </p> <p>Despite her tireless efforts to help out other Australians, the senior might soon have to leave the country she has called home since she was 31-years-old. </p> <p>"(I have a) Driver's License, ID card, Medicare Card, Pension card. Everything Australians have," Ellis told <em>A Current Affair</em>. </p> <p>"I thought well, I'm a permanent resident.</p> <p>"You know, I carry on doing my daily - what I do every day. Nobody said anything."</p> <p>Ellis, who was born in London and moved here with her partner in 1981, was told that her partner had already arranged permanent visas for them.</p> <p>But one day, the Department of Home Affairs suddenly decided she's got to go. </p> <p>"This is my home and I love Australia ... I want to stay here," the grandma tearfully said. </p> <p>"Just let me get Australian citizenship, please let me.. that's what I want."</p> <p>Ellis has a son and two granddaughters in Australia, who are all Australian Citizens. </p> <p>Migration agent Stanley Schneider has been helping Ellis pro-bono since she was asked to leave, said that she was an absorbed person under the Migration Act and should be allowed to stay. </p> <p>"She's always paid her taxes.. she's never even had a speeding ticket," Schneider said.</p> <p>"She's never infringed anything. She's never offended anyone."</p> <p>The Migration Act requires someone to have been in Australia since April 2, 1984 and not have left, but the Department of Home Affairs claims Mary left the country three times under different aliases.</p> <p>Ellis denies the allegations.</p> <p>"I love Australia. (I) didn't want to go anywhere else," she said.</p> <p>She also said that she has documents that prove she was in Australia during the timeframe in question, which includes a job reference from a Tasmanian restaurant that she worked at from 1983 to 1986, and a Medicare enrolment letter signed by then federal Health Minister Neal Blewett.</p> <p>Ellis' migration agent said that the documents would not have been sent to her had she not been in the country. </p> <p>"Mary Ellis is a decent person. A person we should be absolutely thrilled to have in Australia," Schneider said. </p> <p>"And she's an Australian, Let's face it."</p> <p>In a statement shared to <em>A Current Affair</em>, the Department of Home Affairs said that they do not comment on individual cases. </p> <p>"People who do not have the right to remain in Australia are expected to depart," a government spokesperson said.</p> <p>"Individuals who provide incorrect information may be liable to have their visa cancelled under the provisions of the Migration Act."</p> <p><em>Image: Nine/ A Current Affair</em></p>

Legal

Senior changes will to leave fortune to pets instead of family

<p>An elderly woman in China has decided to leave her $A4.3 million fortune to her pets instead of her three children, after she claims they never visited or took care of her when she was sick. </p> <p>The Shanghai woman, known by her last name Liu, drafted the will a few years ago according to the <a href="https://www.scmp.com/news/people-culture/trending-china/article/3248592/elderly-china-woman-leaves-us28-million-assets-beloved-pets-instead-children-who-never-visited-even" target="_blank" rel="noopener"><em>South China Morning Post</em></a>. </p> <p>However, as her three children rarely contacted her, and left her on her own while she was sick, Liu decided her cats and dogs were more deserving of her multi-million dollar fortune, and changed her will. </p> <p>Chen Kai, an official from the China’s Will Registration Centre headquarters, told her that leaving her entire inheritance to animals is illegal in China, but there is a way for her to ensure her pets get taken care of. </p> <p>“Liu’s current will is one way, and we would have advised her to appoint a person she trusts to supervise the vet clinic to ensure the pets are properly cared for,” he told the <em>South China Morning Post</em>. </p> <p>Another official added that Liu could always change her mind, if her children changed their attitude. </p> <p>“We told Auntie Liu that if her children change their attitude towards her, she could always alter her will again,” the official said. </p> <p><em>Image: Getty</em></p> <p> </p>

Family & Pets

Two senior royals undergo surgery

<p>King Charles and Kate Middleton have postponed their public duties following news that they are both being admitted to hospital for surgery. </p> <p>The news of both procedures were announced within hours of each other, with the Princess of Wales first announcing that had been admitted into hospital for a planned surgery. </p> <p>“Her Royal Highness The Princess of Wales was admitted to The London Clinic yesterday for planned abdominal surgery,” the statement from Kensington Palace read. </p> <p>The surgery was successful and the princess is expected to remain in hospital for 10 to 14 days before returning home to recover. </p> <p>No other details regarding the surgery were given, but a palace spokesmen has revealed that the condition was non-cancerous. </p> <p>“The Princess of Wales appreciates the interest this statement will generate,” the statement added. </p> <p>“She hopes that the public will understand her desire to maintain as much normality for her children as possible; and her wish that her personal medical information remains private.” </p> <p>The palace added that they will “only provide updates on Her Royal Highness’ progress when there is significant new information to share.”</p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-captioned="" data-instgrm-permalink="https://www.instagram.com/p/C2NDoYrN-9r/?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/C2NDoYrN-9r/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by The Prince and Princess of Wales (@princeandprincessofwales)</a></p> </div> </blockquote> <p>Based on the medical advice, the royal will be out of public duty until after easter, which falls on the 31st of March. </p> <p>They also added that Prince William will also postpone several engagements while his wife is recovering. </p> <p>Less than two hours after the shock announcement, Buckingham Palace revealed that King Charles will also head to hospital next week for a “corrective procedure” on an enlarged prostate. </p> <p>“His Majesty’s condition is benign and he will attend hospital next week for a corrective procedure," the statement read. </p> <p>“The King’s public engagements will be postponed for a short period of recuperation.”</p> <p>Benign prostate enlargement is not a sign of a cancer or a risk of cancer occurring, with one in three men over the age of 50 having symptoms of an enlarged prostate. </p> <p>While few details of Kate's condition were made public, His Royal Highness was keen to share information and encourage other men experiencing symptoms to get their conditions checked. </p> <p><em>Image: Getty</em></p> <p> </p>

Caring

Body language expert breaks down royal family's Christmas card

<p>A body language expert has broken down the subtle meanings and messages hidden in the royal family's Christmas card. </p> <p>On Monday, Prince William and Kate Middleton shared their 2023 Christmas card portrait, which features the Prince and Princess of Wales and their three children in a charming black and white photo. </p> <p>While their family portrait was met with <a href="https://oversixty.com.au/lifestyle/family-pets/blah-brutal-reactions-to-royal-family-s-2023-christmas-card" target="_blank" rel="noopener">mixed reactions</a>, royal fans wasted no time in praising the family for their charming photo. </p> <p>Now, body language experts have dived deep into the real meaning behind almost unnoticeable actions taken by the royals in the pic. </p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-permalink="https://www.instagram.com/p/C0pf0IXNv15/?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/C0pf0IXNv15/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by The Prince and Princess of Wales (@princeandprincessofwales)</a></p> </div> </blockquote> <p>Body language analyst Judi James told <em><a href="https://www.thesun.co.uk/royals/24997829/kate-william-christmas-card-body-language-signal/" target="_blank" rel="nofollow noopener" data-ylk="slk:The Sun;elm:context_link;itc:0" data-rapid_p="26" data-v9y="1">The Sun</a></em> that, "The strong sense of tight, loving ‘uniformed’ grouping and the stark monochrome, plus the relaxed and confident body language looks like the emotional equivalent of them having a moat and drawbridge around them."</p> <p>Judi went on to say that their choice of relaxed outfits - jeans and white button-up shirts - would be an intentional choice as they show "the strength and total confidence of the pared-down family brand here, without all the trimmings and trappings of their royal status."</p> <p>As she notes, "We know they look superb in formalwear and royal regalia but this is the casual and much more relatable version."</p> <p>Judi also claims that Prince William's slight head tilt "suggests a desire to be liked", while "Kate leans into William’s torso to make this a subtly romantic pose too."</p> <p>Meanwhile, according to Judi, the position of Princess Charlotte right in the middle of the family could be intentional, who says "Charlotte looks so much like the late Queen and this central status-rich pose and beautiful smile are like echoes of Elizabeth when she was young."</p> <p>"This effect doesn’t look deliberate but it is still a rather moving message from this family Christmas card."</p> <p><em>Image credits: Getty Images</em></p>

Body

“Privileged inbreds”: The Project host slams Charles and Camilla

<p dir="ltr">King Charles and Queen Camilla have been slammed by a co-host of <em>The Project</em>, who labelled them as “privileged inbreds” in the wake of their Christmas card. </p> <p dir="ltr">Nick Cody and the panel reacted to the royal family’s Christmas card, which shows Charles and Camilla posing in their royal regalia. </p> <p dir="ltr">The King and Queen stood in a stoic pose wearing their robes and towering crowns, with the message inside reading, “Wishing you a very Happy Christmas and New Year”.</p> <p dir="ltr">The monarch’s choice of attire didn’t go down well with Cody, who made his disdain for the couple clear on Monday night’s show. </p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-permalink="https://www.instagram.com/reel/C0upAphhvLF/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/reel/C0upAphhvLF/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by The Project (@theprojecttv)</a></p> </div> </blockquote> <p dir="ltr">“I just need a moment here because, guys – I have some huge news from the weekend,” Cody began sarcastically. </p> <p dir="ltr">“Yes, the rumours are true. King Charles and Queen Camilla released their official Christmas card. I just want to say what everyone in Australia is thinking right now, thank you.”</p> <p dir="ltr">“Thanks very much, guys. It’s a wonderful festive treat that absolutely nobody asked for, and yet you delivered,” he continued, eliciting laughs from the panel and audience members. </p> <p dir="ltr">“You two look like a randy couple approaching me at a bar at 3am to say that you’ve been watching me and really ‘dig my vibe’.”</p> <p dir="ltr">Cody then went on to highlight the ongoing cost of living crisis in both Australia and the UK, and how out of touch the card seemed to many people who are struggling. </p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-permalink="https://www.instagram.com/p/C0pagR3M5fD/?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/C0pagR3M5fD/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by The Royal Family (@theroyalfamily)</a></p> </div> </blockquote> <p dir="ltr">“I love the brazenness of the card statement too,” he continued. “Sure, people in Australia and the UK are struggling to pay bills and put food on the table this Christmas. They’re doing it tough. But despite all that external noise and the fact you gave yourself a massive 45% pay rise this year, you still found the courage to pose for this picture while wearing a $9.5 million hat. Your family jewels must be epically large, mate. Respect.”</p> <p dir="ltr"><em>The Project</em> presenter then went on to double down on his criticism, and revealed that he’d made his very own Christmas card just for the royal couple.</p> <p dir="ltr">“So, as a small gesture, I have made this Christmas card for you,” said the star, before showing a picture of himself sitting on the toilet giving the King and Queen the middle finger. </p> <p dir="ltr">“I hope you enjoy it. Like you, I also shot it in May while sitting in my personal throne room. To Charles and Camilla, from me, Nick, the colony’s other privileged inbred, Merry Christmas!”</p> <p dir="ltr"><em>Image credits: The Project</em></p>

"Blah": Brutal reactions to royal family's 2023 Christmas card

<p>Royal fans have shared their mixed reviews of the 2023 Christmas card portrait, featuring Prince William, Kate Middleton and their three children. </p> <p>The Prince and Princess of Wales shared their family photo to their Instagram account on Sunday, with the snap showing the royal family of five all dressed in similar outfits: simple black pants or jeans, and white button up tops.</p> <p>The photo, taken in black and white, shows Kate and William standing behind their three kids, while Prince George and Prince Louis standing around Princess Charlotte, who was seated for the photo. </p> <p>The post of their family Christmas card picture has racked up over 2 million likes, with thousands of people sharing their thoughts on the snap in the comments. </p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-captioned="" data-instgrm-permalink="https://www.instagram.com/p/C0pf0IXNv15/?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/C0pf0IXNv15/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by The Prince and Princess of Wales (@princeandprincessofwales)</a></p> </div> </blockquote> <p>Many were quick to comment on the similarities between the younger royals and their predecessors, with many stating that "Princess Charlotte looks like a young Queen Elizabeth", while others shared their thoughts on how much Prince Louis is looking like his mother. </p> <p>Despite many royal fans delighting over the card, there were some mixed reactions from others. </p> <p>Royal commentators online were quick to point out how this year's card, all in black and white, is a stark contrast to last year's photo, which shows the family walking hand-in-hand in the sunshine. </p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-permalink="https://www.instagram.com/p/CmH_qcOtUx_/?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/CmH_qcOtUx_/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by The Prince and Princess of Wales (@princeandprincessofwales)</a></p> </div> </blockquote> <p>While acknowledging that the photo is objectively lovely of the family, some wish that the portrait had a bit more Christmas spirit. </p> <p>One person wrote on X, "This doesn’t look like a Christmas Card. Looks like a Vogue edit’s choice cover from the 90s. Beautiful but not Xmassy!"</p> <p>Another added that the image looked like it was "taken at a photo studio in a shopping mall," while another disappointed fan said it was "Kind of... Well, blah."</p> <p><em>Image credits: Getty Images</em></p>

Family & Pets

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

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

Money & Banking

How risky is it to give card details over the phone and how do I reduce the chance of fraud?

<p><em><a href="https://theconversation.com/profiles/paul-haskell-dowland-382903">Paul Haskell-Dowland</a>, <a href="https://theconversation.com/institutions/edith-cowan-university-720">Edith Cowan University</a> and <a href="https://theconversation.com/profiles/ismini-vasileiou-1031778">Ismini Vasileiou</a>, <a href="https://theconversation.com/institutions/de-montfort-university-1254">De Montfort University</a></em></p> <p>Paying for things digitally is so common, most of us think nothing of swiping or tapping our card, or using mobile payments. While doing so is second nature, we may be more reluctant to provide card details over the phone.</p> <p>Merchants are allowed to ask us for credit card details over the phone – this is perfectly legal. But there are minimum standards they must comply with and safeguards to protect consumer data.</p> <p>So is giving your card details over the phone any more risky than other transactions and how can you minimise the risks?</p> <h2>How is my card data protected?</h2> <p>For a merchant to process card transactions, they are expected to comply with the <a href="https://docs-prv.pcisecuritystandards.org/PCI%20DSS/Standard/PCI-DSS-v4_0.pdf">Payment Card Industry Data Security Standard</a>. This is a set of security requirements designed to protect cardholder data and the trillions of dollars of transactions each year.</p> <p>Compliance involves various security measures (such as encryption and access controls) together with strong governance and regular security assessments.</p> <p>If the information stored by the merchant is accessed by an unauthorised party, encryption ensures it is not readable. That means stealing the data would not let the criminals use the card details. Meanwhile, access controls ensure only authorised individuals have access to cardholder data.</p> <p>Though all companies processing cards are expected to meet the compliance standards, only those processing large volumes are subject to mandatory regular audits. Should a subsequent data leak or misuse occur that can be attributed to a compliance failure, a <a href="https://www.csoonline.com/article/569591/pci-dss-explained-requirements-fines-and-steps-to-compliance.html">company can be penalised</a> at levels that can escalate into millions of dollars.</p> <p>These requirements apply to all card transactions, whether in person, online or over the phone. Phone transactions are likely to involve a human collecting the card details and either entering them into computer systems, or processing the payment through paper forms. The payment card Security Standards Council has <a href="https://docs-prv.pcisecuritystandards.org/Guidance%20Document/Telephone-Based%20Payments/Protecting_Telephone_Based_Payment_Card_Data_v3-0_nov_2018.pdf">detailed guides for best practice</a>:</p> <blockquote> <p>A policy should be in place to ensure that payment card data is protected against unauthorised viewing, copying, or scanning, in particular on desks.</p> </blockquote> <p>Although these measures can help to protect your card data, there are still risks in case the details are misplaced or the person on the phone aren’t who they say they are.</p> <h2>Basic tips for safe credit card use over the phone</h2> <p>If you provide card details over the phone, there are steps you can take to minimise the chance you’ll become the victim of fraud, or get your details leaked.</p> <p><strong>1. Verify the caller</strong></p> <p>If you didn’t initiate the call, hang up and call the company directly using details you’ve verified yourself. Scammers will often masquerade as a well-known company (for example, an online retailer or a courier) and convince you a payment failed or payment is needed to release a delivery.</p> <p>Before you provide any information, confirm the caller is legitimate and the purpose of the call is genuine.</p> <p><strong>2. Be sceptical</strong></p> <p>If you are being offered a deal that’s too good to be true, have concerns about the person you’re dealing with, or just feel something is not quite right, hang up. You can always call them back later if the caller turns out to be legitimate.</p> <p><strong>3. Use secure payment methods</strong></p> <p>If you’ve previously paid the company with other (more secure) methods, ask to use that same method.</p> <p><strong>4. Keep records</strong></p> <p>Make sure you record details of the company, the representative you are speaking to and the amount being charged. You should also ask for an order or transaction reference. Don’t forget to ask for the receipt to be sent to you.</p> <p>Check the transaction against your card matches the receipt – use your banking app, don’t wait for the statement to come through.</p> <h2>Virtual credit cards</h2> <p>In addition to the safeguards mentioned above, a <a href="https://www.forbes.com/advisor/credit-cards/virtual-credit-card-numbers-guide/">virtual credit card</a> can help reduce the risk of card fraud.</p> <p>You probably already have a form of virtual card if you’ve added a credit card to your phone for mobile payments. Depending on the financial institution, you can create a new credit card number linked to your physical card.</p> <p>Some banks extend this functionality to allow you to generate unique card numbers and/or CVV numbers (the three digits at the back of your card). With this approach you can easily separate transactions and cancel a virtual card/number if you have any concerns.</p> <h2>What to do if you think your card details have been compromised or stolen?</h2> <p>It’s important not to panic, but quick action is essential:</p> <ul> <li> <p>call your bank and get the card blocked so you won’t lose any more money. Depending on your situation, you can also block/cancel the card through your banking app or website</p> </li> <li> <p>report the issue to the police or other relevant body</p> </li> <li> <p>monitor your account(s) for any unusual transactions</p> </li> <li> <p>explore card settings in your banking app or website – many providers allow you to limit transactions based on value, restrict transaction types or enable alerts</p> </li> <li> <p>you may want to consider registering for <a href="https://theconversation.com/your-credit-report-is-a-key-part-of-your-privacy-heres-how-to-find-and-check-it-116999">credit monitoring services</a> and to enable fraud alerts.</p> </li> </ul> <h2>So, should I give my card details over the phone?</h2> <p>If you want to minimise risk, it’s best to avoid giving card details over the phone if you can. Providing your card details via a website still has risks, but at least it removes the human element.</p> <p>The best solution currently available is to use virtual cards – if anything goes wrong you can cancel just that unique card identity, rather than your entire card.<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/216833/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em><a href="https://theconversation.com/profiles/paul-haskell-dowland-382903">Paul Haskell-Dowland</a>, Professor of Cyber Security Practice, <a href="https://theconversation.com/institutions/edith-cowan-university-720">Edith Cowan University</a> and <a href="https://theconversation.com/profiles/ismini-vasileiou-1031778">Ismini Vasileiou</a>, Associate Professor, <a href="https://theconversation.com/institutions/de-montfort-university-1254">De Montfort University</a></em></p> <p><em>Image credits: Getty Images</em></p> <p><em>This article is republished from </em><a style="font-style: italic;" href="https://theconversation.com">The Conversation</a><em> under a Creative Commons license. Read the </em><a style="font-style: italic;" href="https://theconversation.com/how-risky-is-it-to-give-card-details-over-the-phone-and-how-do-i-reduce-the-chance-of-fraud-216833">original article</a><em>.</em></p>

Money & Banking

Heartwarming gesture for Qantas' oldest passenger

<p>A 103-year-old passenger has received an emotional welcome onboard her Qantas flight, with the pilot and cabin crew erupting into cheers as she stepped on board. </p> <p>Ngan Chun Kam aka ‘Mamma’, is believed to be the oldest passenger to ever travel with the Flying Kangaroo airline.</p> <p>Mamma was born on January 1st 1920, and Qantas was founded 10 months later in November 1920. </p> <p>After visiting family in Sydney for several weeks, Mamma was returning home to her native Hong Kong when Qantas staff on-board QF127 learned of her age.</p> <p>“It was such an honour to have Ms Kam on our flight to Hong Kong,” Jayson Eng, Qantas customer service agent who was on the November 3rd flight, told <a href="https://www.news.com.au/travel/travel-updates/travel-stories/qantas-crews-heartwarming-act-for-103yearold-passenger/news-story/75c4ccb9c1addc2884e7e3063422763b" target="_blank" rel="noopener"><em>news.com.au</em></a>.</p> <p>“We got her trip off to a flying start with a special welcome announcement from the Captain, which was broadcast throughout the entire aircraft.”</p> <p>Mr Eng said it resulted in a big cheer and a round of applause throughout the cabin.</p> <p>“Our cabin crew loved taking turns to introduce themselves to Ms Kam. We called her Po Po (grandma in Cantonese) as a sign of respect for her. She was such a delight to have on board.”</p> <p>Mamma, who has six children aged 72 to 83, 13 grandchildren and 15 great grandchildren, has been visiting Australia once a year since 1979 to visit her eldest son who lives in Sydney. </p> <p>According to Mamma’s daughter-in-law Helen, at first she had no idea why the cabin erupted in a loud cheer as she doesn’t speak English. </p> <p>It wasn’t until a friend who was also on the flight explained it was because she was the eldest passenger they’ve ever flown, and she began to smile. </p> <p>“Everyone was clapping and cheering and she just felt so special,” Helen told <em>news.com.au</em>.</p> <p>The airline also gifted Mamma, who was flying in business class, a goodie bag filled with champagne and merch.</p> <div> </div> <p>“When she got to Hong Kong, she called me saying John (friend on the flight with her) left his bag, thinking it was his,” Helen said.</p> <p>“I told her it’s what the airline gave her as a gift and she said ‘well I don’t drink champagne’ – I told her ‘well in that case bring it back with you to Australia on your next visit, we’ll have it’,” she laughed.</p> <p><em>Image credits: Courtesy of Qantas</em></p> <div class="media image" style="caret-color: #000000; color: #000000; font-style: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; orphans: auto; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; text-decoration: none; box-sizing: inherit; margin-bottom: 24px; display: flex; flex-direction: column; align-items: center; width: 705.202209px; max-width: 100%;"> </div>

International Travel

Why these dog breeds are ideal for seniors

<p><strong>Reasons why dogs are good for seniors </strong></p> <p>Affectionate, loyal, nurturing: There are lots of reasons why dogs make great companions for seniors. Not only do dogs provide comfort and friendship, but they also help keep seniors healthy and encourage sociability. In fact, a 2019 study found that people who owned dogs were more likely to maintain better heart health and be more active, than those without pets. “Dogs give seniors a reason to get up and move – and walking a dog keeps them fit,” explains veterinarian Dr Anita Kinscher-Juran. Another plus: When you get out of the house for that walk, you have more chances to be social, too, from greeting neighbours on the street to impromptu conversations with fellow dog owners.</p> <p>But adopting a dog is a big decision. Just like with a human companion, you need to understand what you’re looking for in a dog before committing to a long-term living arrangement.</p> <p>Some important points to think about as you search for the best dogs for seniors are energy levels (vets often recommend calm dog breeds for older folks), the size of your home (<a href="https://www.readersdigest.com.au/pets/13-best-apartment-dogs" target="_blank" rel="noopener">these are the best apartment dogs</a>) and the size of the dog, the breed’s socialness (some breeds, like Pomeranians, make the best emotional support dogs) and a dog’s age and temperament. Health and grooming needs and maintenance requirements (i.e. how often dogs need to be brushed, for instance) are also important considerations. Cocker spaniels, while super cute with their big, long ears, are also known for having frequent ear infections, for instance. And while Havanese, one of the cutest white dog breeds, are very portable, they also require a lot of grooming.</p> <p>The decision to adopt a pet is not one that should be taken lightly. “Bringing a pet into the household is a lifelong decision for that animal,” says Dr Kinscher-Juran. But after thoroughly considering your situation and needs, it’s comforting to know, as Dr Kinscher-Juran says “that there is a dog for everyone and every age.”</p> <p>Here are the top 15 best dogs for seniors.</p> <p><strong>Best overall: Bichon Frise </strong></p> <p>These white powder puffs of a dog are known for their sweet and friendly nature and are perfect for seniors seeking easy companionship – they also make <a href="https://www.readersdigest.com.au/food-home-garden/pets/15-best-dogs-for-first-time-owners" target="_blank" rel="noopener">great pets for first-time dog owners</a>. These low-maintenance pups aren’t difficult to potty train and don’t shed much, which is why they are one of the best dogs for older people, Dr Kinscher-Juran says. (But to keep their snow-white hair looking fluffy, they do require grooming every five or so weeks.)</p> <p>Bichons are gentle and playful and they get along well with other pets and children, so you don’t need to put them in another room if the grandkids stop by! At an average of 5 to 8 kilograms, they are also super portable. Not to mention smart. “One of my favourite bichons knew how to give a kiss in three different languages, one of which was Portuguese,” says Dr Kinscher-Juran.</p> <p>Like the best toy dogs, they are perfectly content to sit on your lap for hours every morning, as you read the paper or watch the news. Bichon Frise’s don’t require long, five kilometre hikes to keep them happy, rather they’re fine with 20- to 30-minute leisurely strolls. What they crave most is attention, something seniors often have time to give.</p> <p><span style="text-decoration: underline;"><em>Breed Overview</em></span></p> <p>Height: 24 to 30 cms </p> <p>Weight: 5 to 8 kgs</p> <p>Life expectancy: 14 to 15 years</p> <p><strong>Best lap dog: Cavalier King Charles spaniel</strong></p> <p>If you are looking for one of the best dogs for older people, cavalier King Charles spaniels should be high on your list. It’s easy to fall in love with their big eyes and long ears. And Cavalier King Charles spaniels, in turn, like nothing more than to kiss and cuddle with their owners. Cavalier King Charles spaniels have an eager to please personality, which makes them easier to train.</p> <p>They also only require a moderate amount of exercise, which can be good for less active seniors. Beauty, of course, requires attention. Dr Kinscher-Juran suggests brushing their long luxurious coats once a day, which isn’t hard to do, considering they’re one of the best lap dog breeds!</p> <p><span style="text-decoration: underline;"><em>Breed Overview</em></span></p> <p>Height: 3.5 to 33 cms</p> <p>Weight: 5.8 to 8 kgs</p> <p>Life expectancy: 12 to 15 years</p> <p><strong>Best apartment dog: Pug</strong></p> <p>If you are looking for one of the best dogs for older people, cavalier King Charles spaniels should be high on your list. It’s easy to fall in love with their big eyes and long ears. And Cavalier King Charles spaniels, in turn, like nothing more than to kiss and cuddle with their owners. Cavalier King Charles spaniels have an eager to please personality, which makes them easier to train.</p> <p>They also only require a moderate amount of exercise, which can be good for less active seniors. Beauty, of course, requires attention. Dr Kinscher-Juran suggests brushing their long luxurious coats once a day, which isn’t hard to do, considering they’re one of the best lap dog breeds!</p> <p><span style="text-decoration: underline;"><em>Breed Overview</em></span></p> <p>Height: 3.5 to 33 cms</p> <p>Weight: 5.8 to 8 kgs</p> <p>Life expectancy: 12 to 15 years</p> <p><strong>Best small dog: Maltese</strong></p> <p>One of the best small dogs for seniors is the Maltese. These adorable white toy dogs were specifically bred to be companions. Loyal, sweet-natured, calm and adaptable, it’s not hard for a Maltese to quickly become seniors’ best four-legged friend. Though they love following their owners around, all they really need for health is short easy walks. At an average of 2 kilograms, Malteses are also easily transportable (which is a good thing since Malteses don’t like to be left alone too long).</p> <p>Their small size also makes them well suited for apartments or homes with limited space. You can’t mention a Maltese without mentioning their long, silky, white mane, which can be braided or put into a bun. “For the person who wants a living Barbie doll, and loves playing with hair, Malteses are your dog,” Dr. Kinscher-Juran says. But if all that grooming becomes too much, you can have the hair trimmed or shaped down.</p> <p><span style="text-decoration: underline;"><em>Breed Overview</em></span></p> <p>Height: 17 to 22 cms</p> <p>Weight: Under 3 kgs</p> <p>Life expectancy: 12 to 15 years</p> <p><strong>Most social dog: Havanese</strong></p> <p>Sweet, friendly and eager for attention: Havanese make great companions for seniors who find themselves at home more. As a breed, Haveneses don’t like to be alone for very long. (There’s a reason they’re called Velcro dogs). These super social dogs crave affection and get along well with other breeds and strangers.</p> <p>Their high intelligence makes them easier to train and potty train. And at about 5 kgs, they are easy to carry. Walks might take a bit longer with Haveneses because they will want to try to say hi to everyone. But for seniors, looking for sociability, this is not such a bad thing! That’s why Havaneses are one of the best dogs for seniors.</p> <p><span style="text-decoration: underline;"><em>Breed Overview</em></span></p> <p>Height: 22 to 30 cms</p> <p>Weight: 3 to 6 kgs</p> <p>Life expectancy: 14 to 16 years</p> <p><strong>Best house dog: Miniature schnauzers</strong></p> <p>Miniature schnauzers are one of the most adaptable breeds of dogs. Originally bred as a farm dog in Germany, miniature schnauzers are just as content living in an assisted living facility as they are roaming outdoors. Small, sturdy, hypoallergenic and affectionate, miniature schnauzers are great with, say, rambunctious grandchildren.</p> <p>And their calmness – and attunement to the moods of humans – make them excellent therapy animals. Miniature schnauzers both play hard and relax hard. They need a moderate amount of daily exercise but are also good at simply lounging around, while their owners watch TV or make dinner.</p> <p><span style="text-decoration: underline;"><em>Breed Overview</em></span></p> <p>Height: 30.5 to 36 cms</p> <p>Weight: 5 to 9 kgs</p> <p>Life expectancy: 12 to 15 years</p> <p><strong>Best large dog: Greyhound</strong></p> <p>With their lean bodies, flexible spines, and long legs, greyhounds are known for their athletic ability and for being the fastest dog breed. What is not as well-known is that their gentle and sensitive temperament and minimal grooming needs make them one of the best dogs for seniors. Older, retired racing greyhounds are often the best choice for seniors,. “As racing dogs, they often live on a track without much positive human and social interaction,” Dr Kinscher-Juran says. “When they’re adopted, they’re far more appreciative of the loving home you are providing, and don’t seem to take that for granted.”</p> <p>And though they do need daily exercise, greyhounds – perhaps surprisingly! – are renowned for their laziness. Weighing anywhere from 27 to 31.7 kgs, these gentle giants, are content to lounge around the house, accepting pets and back rubs.</p> <p><span style="text-decoration: underline;"><em>Breed Overview</em></span></p> <p>Height: 67 to 76 cms</p> <p>Weight: 27 to 31.7 kgs</p> <p>Life expectancy: 10 to 13 years</p> <p><strong>Best with grandkids: Golden Retrievers</strong></p> <p>Golden retrievers are a large breed with an even larger heart. For seniors looking for gentle dog breeds, golden retrievers are loyal, friendly, intelligent, people-pleasers. They are easy to train, famous for their patience and great with the grandkids. Golden retrievers do require consistent, hard exercise every day, but they are more than content for part of that exercise to consist of finding and retrieving balls in the backyard.</p> <p>Though golden retrievers can weigh up to 34 kgs and more, they still think of themselves as lap dogs. “Golden retrievers are happy to sit with you on the patio at the end of the day, with their head on your lap, watching the sunset,” Dr Kinscher-Juran says.</p> <p><span style="text-decoration: underline;"><em>Breed Overview</em></span></p> <p>Height: 54.5 to 61 cms</p> <p>Weight: 25 to 34 kgs</p> <p>Life expectancy: 10 to 12 years</p> <p><strong>Best hypoallergenic: Toy Poodle</strong></p> <p>For seniors with allergies or respiratory issues, poodles are one of the best hypoallergenic dog breeds. Poodles have a single-layer coat that doesn’t shed (though all that beautiful, naturally curly hair requires a lot of brushing and grooming!).</p> <p>They come in multiple sizes, from tiny teacup poodles, that weigh between 1.8 to 2.7 kgs to small toy poodles that weigh between 2.7 to 4 kgs to miniature poodles that weigh between 6.8 to 7.7 kgs to standard poodles that weigh between 20.4 to 31.75 kgs. Like the best sort of human companion, poodles are known for both their beauty and their brains. Their high intelligence makes them easy to train (helpful for seniors) and their affectionate personality makes them easy to love. The smaller toy poodle is a top choice for seniors.</p> <p><span style="text-decoration: underline;"><em>Breed Overview</em></span></p> <p>Height: 25 cms max</p> <p>Weight: 1.8 to 2.7 kgs</p> <p>Life expectancy: 10 to 18 years</p> <p><strong>Best dog for those who like a clean house: Groodle</strong></p> <p>A cross between poodles and golden retrievers, groodles (or goldendoodles), which weigh between 22.6 to 40 kgs, are known for possessing the best traits of both breeds. They’re loyal, obedient and loving. For seniors with allergies, or those who prefer to avoid daily vacuuming, groodles, who mostly don’t shed and are hypoallergenic, make great companions.</p> <p>You don’t need to have been an experienced pet owner to adopt one: Groodle’s intelligence and easy-going temperament make them easy to train. Groodles do love exercise though, especially swimming. Bonus points if you’re a senior that lives by a body of water!</p> <p><span style="text-decoration: underline;"><em>Breed Overview</em></span></p> <p>Height: 48 to 61 cms</p> <p>Weight: 13.6 to 20 kgs</p> <p>Life expectancy: 10 to 15 years</p> <p><strong>Best for active seniors: Westies </strong></p> <p>Recognisable by their white mane and dark, almond-shaped eyes, the West Highland white terrier (aka Westie) are friendly, loving companions for active seniors. At 5.8 to 9 kgs, Westies are still small enough to handle and make good apartment dogs – as long as they get in their long, daily walks.</p> <p>Westies really, really like to play. Westies are no softies though: beneath their coat is a well-muscled body. Bred to be rodent killers, Westies require little pampering and they rarely shed. For seniors looking for a little bit of excitement in their days, westies will be sure to keep you on your toes.</p> <p><span style="text-decoration: underline;"><em>Breed Overview</em></span></p> <p>Height: 25.5 to 28 cms</p> <p>Weight: 6.8 to 9 kgs</p> <p>Life expectancy: 13 to 15 years</p> <p><strong>Best dog that doesn't bark: Shih Tzu</strong></p> <p>The name Shih Tzu means little lion, but the most fierce thing about this breed is their love for the owner. Shih Tzus bond very quickly with humans, making them great choices for seniors looking for a close canine companion. Weighing an of average 4 to 7 kgs, Shih Tzus, known for their long coats, pack a lot of personality in their small frame.</p> <p>They are a confident, happy-go-lucky breed with a bit of a stubborn streak. But they are less demanding and less yappy than other smaller toy dogs, making them a good choice for seniors who live in apartments. They are also not very energetic and only need a couple of short walks a day, making them perfect for non-active seniors.</p> <p><span style="text-decoration: underline;"><em>Breed Overview</em></span></p> <p>Height: 23 to 26.5 cms</p> <p>Weight: 4 to 7 kgs</p> <p>Life expectancy: 10 to 18 years</p> <p><strong>Easiest dog to care for: French bulldog</strong></p> <p>With their big eyes, adorable scrunchy faces, and short legs, there’s a reason why French bulldogs are increasing popular today and one of the easiest dog breeds. Their gentle personality and low energy make them one of the best dogs for seniors with a less active lifestyle. These dogs are not big athletes, a walk around the block is all the exercise they need for the day.</p> <p>French bulldogs’ small size (they weigh about 8.5 to 12.5 kgs) and the fact that they are not big barkers or yappers also make them one of the best apartment dogs. As an additional bonus, they are also excellent cuddlers and incredibly loyal.</p> <p><span style="text-decoration: underline;"><em>Breed Overview</em></span></p> <p>Height: 28 to 33 cms</p> <p>Weight: Under 12 kgs</p> <p>Life expectancy: 10 to 12 years</p> <p><strong>Best guard dog: Pomeranian </strong></p> <p>At 1.4 to 3 kgs, Pomeranians look like tiny puffballs. Their small size and affectionate personality make them easy to love. And their ability to remain calm in busy situations also makes them one of the best emotional support dogs, Dr Kinscher-Juran says. Pomeranians – whose hair comes in a variety of colours from white to black to cream – don’t seem to realise their small size.</p> <p>They are very alert, with a tendency to bark, making them excellent guard dogs for seniors. Though Pomeranians are lap dogs, they also have an independent streak, so active seniors don’t need to worry about Pomeranians clinging, like a barnacle, to them all day. Sometimes it’s good to have space!</p> <p><span style="text-decoration: underline;"><em>Breed Overview</em></span></p> <p>Height: 15 to 17.5 cms</p> <p>Weight: 1.4 to 3 kgs</p> <p>Life expectancy: 12 to 16 years</p> <p><strong>Best dog for seniors with a backyard: Beagle </strong></p> <p>For seniors who love being outdoors and would like an impetus to exercise more, beagles are a good choice. Energetic, active and sociable, beagles love to play and take long walks. And unlike other smaller dogs, they don’t require a ton of babysitting. They’re fine – content even – being left alone for a while. For seniors who don’t love playing beautician, beagles, with their short, dense, wash-and-wear coat, are a good choice.</p> <p>They are pretty low maintenance when it comes to grooming. Younger beagles require consistent exercise – so seniors might find adopting an older beagle a less physically demanding choice, Dr Kinscher-Juran says.</p> <p><span style="text-decoration: underline;"><em>Breed Overview</em></span></p> <p>Height: 33 to 38 cms</p> <p>Weight: 9 to 13.6 kgs</p> <p>Life expectancy: 10 to 15 years</p> <p><em>Image credits: Shutterstock</em></p> <p><em>This article originally appeared on <a href="https://www.readersdigest.com.au/food-home-garden/pets/15-best-dogs-for-seniors?pages=1" target="_blank" rel="noopener">Reader's Digest</a>. </em></p>

Family & Pets

My Royal Melbourne Seniors Classic Adventure: A day on the greens (and in the bunkers!)

<p dir="ltr">G'day to all past, present, and emerging golf enthusiasts!</p> <p dir="ltr">If you're a senior golfer like me, hunting for inspiration, adventure, and authentic golf yarns — this is for you.</p> <p dir="ltr">Picture this: a crisp August morning, and sixty-two senior golfers gathered on Royal Melbourne's West Course for the Vic Seniors Classic 2023. Here's the story of how it all went down...</p> <p dir="ltr">Before anything else, I mustered the guts to jump in. Ever heard of "imposter syndrome"? Trust me, I was its best mate. But the requirements were clear: age 55+ (I'm a proud 65-year-old), GA Handicap under 24.5 (18.5), and a $225 entry fee. Wait, $225? Given that Royal Melbourne's green fees dance around $1000, caddy fee included, it was a no-brainer.</p> <p dir="ltr">Fueled by the temptation of playing a top-notch course for a quarter of the fee, I submitted my application without hesitation. Before I knew it, my name adorned the list of players.</p> <p dir="ltr">As the day approached, I was geared up to tackle the Royal Melbourne challenge.</p> <p dir="ltr">The 8 am shotgun start meant groups teed off from various holes. I found myself at the 11th tee, flanked by two fierce competitors: Peter (Daily Handicap 1) and Damian (12). Yours truly? A modest 20.</p> <p dir="ltr">Standing over the ball, knees a tad wobbly, I swung that driver. The ball sailed gracefully, landing centre fairway, while their shots had taken a wilder route into the rough. The lesson? 'How near,' not 'how far'.</p> <p dir="ltr">Now, let's talk about those Royal Melbourne greens. Rumour had it, they were "super fast". Super fast? Imagine sliding a ball across your kitchen's polished tiles — yep, that rapid.</p> <p dir="ltr">Around the course, bunkers became my stern mentors — big, deep, and oh-so unforgiving.</p> <p dir="ltr">Post 18 holes, scorecards were in, followed by the triumphant crowning of winners over lunch.</p> <p dir="ltr">Rodney Ware (75 gross) and Kevin Naismith (81 gross) led in men's gross, while Wayne Moon (72 net) and Craig Lonsdale (73 net) dominated the net division. Melinda Crawford (16, scratch stableford) and Louise Yuen (29 handicap points) shone in the women's.</p> <p dir="ltr">Kudos to winners, fellow players, Royal Melbourne and Golf Australia for the unforgettable day.</p> <p dir="ltr">By the way, can you see yourself on those hallowed Royal Melbourne greens? If your inner golfer nods, I'm your cheerleader. Consider joining me for the 2024 Royal Melbourne Seniors Classic.</p> <p dir="ltr">And as I wrap up, let me leave you with the timeless words of the legendary Peter Thomson: "Golf is a game of how near, not how far".</p> <p dir="ltr">Until next time, keep those swings buttery, putts steadfast, and steer clear of those tricky bunkers.</p> <p dir="ltr">PS: My result? T43rd (net) among the 48 male players. Next time I'll be swinging even better.</p> <p dir="ltr"><strong><em>About the Writer: Mike Searles is a Melbourne retiree who's living the golfing dream.</em></strong></p> <p><em>Image credits: Getty Images</em></p>

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