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Retiree threatened with $200,000 fine over home egg business

<p>A Queensland retiree has insisted that he will continue to sell eggs from the chooks in his backyard despite authorities threatening him with a fine up to $200,000. </p> <p>Murray Koina said that when he first received the email about his business he thought it was a scam and ignored it. </p> <p>It wasn't until they pushed for him to stop that he immediately realised things were getting serious.</p> <p>"They said it was a health issue, someone could get poisoned by an egg," Murray told <em>Today show</em> hosts Karl Stefanovic and Sarah Abo.</p> <p>"Well my mother grew eggs from when I was a baby and we've eaten them and given them away and sold them and I don't think anyone's died yet - and I'm 73."</p> <p>Murray added that he could get a licence to avoid the fine and continue his little business, but that costs $630 upfront and then around $450 every year to renew it, so it's just not worth it. </p> <p>"I sell around a dozen cartons a week at $4 a dozen so that wouldn't make sense," he said.</p> <p>"I can't say what I really feel about it, but I'm really, you know, p---ed off."</p> <p><em>Image: Today</em></p>

Caring

"You've been bumped": Vietnam vet slams Qantas for booting him from business class

<p dir="ltr">Qantas has come under fire for booting a Vietnam war veteran from his paid seat in business class so that a young Qantas "tech" – later revealed to be a pilot – could travel in the luxury seat in his place.</p> <p dir="ltr">Stephen Jones, 78, and his wife were travelling home to Adelaide after a holiday in Christchurch. Their flight was passing through Melbourne on its way to their home in Adelaide, and the pair were enjoying coffee in the Melbourne airport lounge – just 30 minutes before they were set to continue their journey – when they were given the bad news by Qantas staff.</p> <p dir="ltr">"I went up to the desk and the Qantas employee there said, 'I've got some bad news for you, you've been bumped'," Mr Jones told Melbourne’s <em><a href="https://www.3aw.com.au/vietnam-war-veteran-booted-from-business-class-for-younger-qantas-employee/">3AW</a></em> radio program with Ross & Russ. </p> <p dir="ltr">"It didn't register at first," continued Mr Jones. "I wasn't quite sure what 'bumped' meant... I said, 'What?', and she said, 'Yes, I'll have to re-issue your ticket for economy class. We have a tech who's flying to Adelaide and his contract states that he must fly Business Class."</p> <p dir="ltr">Mr Jones then explained that while he retreated to his economy seat, the Qantas employee was seated next to his wife up in business class, and that "he wouldn't even look at her".</p> <p dir="ltr">Mr Jones went on to explain that, after filing a letter of complaint, he was offered 5000 Frequent Flyer points in return for the downgrade and an apology.</p> <p dir="ltr">Mr Jones, who served in Vietnam in a combat unit in the 1960s, claimed he turned down the offer of 5000 points, saying, “I don’t think anything is going to change until there’s ramifications for Qantas, or costs for Qantas when they upset their customers.”</p> <p dir="ltr">Justin Lawrence, Partner at Henderson Ball Lawyers, later told the 3AW radio show hosts that there’s little customers can do about such a move by the airline and said it was “standard operating procedure”.</p> <p dir="ltr">“Unfortunately, their terms of carriage allow them to do this sort of thing – this happens so often they’ve actually got a term for it, buckle up, they call this 'involuntary downgrading,'” he said.</p> <p dir="ltr">“They’ll overprescribe business class or first class, they will need to bump someone out, and they’ll do it almost immediately prior to the flight – not just Qantas, they all do it."</p> <p dir="ltr">“Any time you go to a travel agent or online to Qantas to buy a seat, and we think we’re buying a seat in a particular class, there are no guarantees that when that plane takes off, you’ll be sitting in that class.”</p> <p dir="ltr">Mr Jones said he understood that Qantas pilots were entitled to rest comfortably on their way to another flight, but the ordeal was “unsettling and made me a little irritable”.</p> <p dir="ltr"><em>Image credits: Getty Images</em></p>

Travel Trouble

Kochie and Karl team up for a new business venture

<p>David Koch and Karl Stefanovic has reportedly put their differences aside after a long-running rivalry, as they contemplate embarking on a new business venture together. </p> <p>After hosting rival morning television shows for decades, Kochie and Karl have squashed their beef with each other after Kochie retired from <em>Sunrise</em> earlier this year after 21 years on the air. </p> <p>Kochie chatted candidly on a recent episode of the <em>Something to Talk About</em> podcast, sharing details of his complicated relationships with Karl.</p> <p>He said despite running in similar circles due to the nature of their careers, they were never close friends. </p> <p>However, after Kochie left <em>Sunrise</em>, the pair caught up for a lunch date, and were joined by Kochie's old co-host Nat Barr. </p> <p>"Would you believe the two weeks after finishing on <em>Sunrise</em>, Karl and I and Nat had lunch together?" he said. </p> <p>"I’ve come across Karl a number of times at different functions – really nice bloke, incredibly respectful, didn’t know him much at all."</p> <p>But, it appears the two have now hit it off, as they are contemplating starting a podcast together. </p> <p>Kochie continued, "So we had lunch together and he’s talking about wanting to do a podcast together, funnily enough, so something might come of it."</p> <p>The 67-year-old was the the longest-serving breakfast TV anchor in Australian history when he left <em>Sunrise</em> two months ago. </p> <p>He was replaced by former professional sprinter Matt 'Shirvo' Shirvington, who had been filling in for Kochie for several years.</p> <p>Karl has been the host of the <em>Today</em> show for 14 years, beginning his hosting journey alongside Tracy Grimshaw in 2005. </p> <p><em>Image credits: Today / Sunrise </em></p>

"The last male sanctuary": Barber shop campaigns to formally ban women

<p>An Adelaide barber shop which prides itself as "the last male sanctuary", has applied for an exemption to the Equal Opportunity Act, which, once approved, will allow it to formally ban women. </p> <p>The team behind Robbie's Chop Shop took to Instagram to ask over 42,800 of their followers to help with their application to Equal Opportunity SA. </p> <p>In their first pinned post on Instagram, the barber shop posted a photo of the letter explaining that they have applied for an exemption following a complaint made to the commission about their request for women to observe that it is a male-only business. </p> <p>"Unfortunately, this is not the first complaint of this type that we have received, so in order to deal with them once and for all, we have decided to make an application for an exemption to the Equal Opportunity Act," they wrote in the letter. </p> <p>They added that the business prides itself in being able to provide "a safe space for men to discuss their issues", so they applied for the exemption to deal with the complaints once and for all. </p> <p>The business believes that they are "not in breach of the act" if they are able to obtain this exemption. </p> <p>"As part of our application, we would like to include statements from you, our loyal and valued customers, that explain why you love Robbie's Chop Shop, and why you feel that is so important for Robbie's Chop Shop to be a safe space for men to come together and discuss their issues," they pleaded. </p> <p>Their plea has divided followers, while some men and women agreed with them, others seem to disagree with their stance. </p> <p>"I love that this exists and love the safe space you've created for men to unload their weights of the world without being judged and freedom speak up in a space with others that may be facing similar issues," one woman wrote. </p> <p>"I’ll never understand why this is an issue. There are so many women only places around. As a woman I’d much prefer to go to a hair salon than a barber," commented another woman. </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/CvPYHawy18U/?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/CvPYHawy18U/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by 💈 Robbie's Chop Shop 💈 (@robbieschopshop)</a></p> </div> </blockquote> <p>"💯 support - Great idea to have a space for men. In the UK there are lots of ladies/women only spaces and events etc. Don’t see the issue for men having their own space in society as well. 👍" wrote one man. </p> <p>"The concept of the last male sanctuary is not to discriminate against women but to offer a place for men to come and discuss the issues in their lives, in comfort with other similar men," commented another. </p> <p>One person wrote that they hope the business is equally welcoming to non-binary or trans people. </p> <p>"I hope you would welcome trans men, non-binary people and folks of any gender wanting a masculine haircut. We all deserve to feel included and safe to approach businesses knowing we won’t be turned away based on personal attributes we can’t change."</p> <p>"More like Robbie's Mojo Dojo Casa House," another quipped in reference to Ryan Gosling's character Ken establishing the patriarchy in Barbie land in the 2023 <em>Barbie m</em>ovie. </p> <p><em>Image: Instagram</em></p>

Legal

Retirement reinvented: how to find fulfilment later in life

<p><em><a href="https://theconversation.com/profiles/tania-wiseman-1183187">Tania Wiseman</a>, <a href="https://theconversation.com/institutions/swansea-university-2638">Swansea University</a></em></p> <p>Retirement can feel like a strange time for many people. Gone is the routine of work, your time is your own – in theory. How to stop chores from taking over can become a tricky balance. Some people retreat and return to work. Often, those that persevere find they are as busy as ever – but not always with the fun leisurely activities they were looking forward to.</p> <p>It’s strange that this is so often the case because retirement is something many of us look forward to for most of our working lives. Indeed, it’s the one time in life when you can really devote yourself to hobbies and interests, leisure and pleasure.<br />This uncertain picture means that approaching retirement can be a time of fear – <a href="https://www.forbes.com/sites/davidkudla/2020/03/13/6-ways-to-ease-your-retirement-anxiety/">retirement anxiety</a> is a real thing. So too are the <a href="https://www.health.harvard.edu/mens-health/retirement-stress-taking-it-too-easy-can-be-bad-for-you">retirement blues</a>.</p> <p>When you add in potential health concerns and financial worries, it’s maybe not surprising that a recent survey found that more than half of <a href="https://www.independent.co.uk/money/more-than-half-of-over40s-feel-anxious-about-retiring-survey-suggests-b2146484.html">over-40s feel anxious about retiring</a>.</p> <p>One retirement challenge is how to replace the <a href="https://www.degruyter.com/document/doi/10.1515/ger-2020-0109/html#:%7E:text=We%20find%20that%20retirement%20changes,effect%20on%20the%20network's%20size.">friendships</a> you make through work. Indeed, it seems the people who fare best in retirement find ways to cultivate connections.</p> <p>The longest-running <a href="https://www.adultdevelopmentstudy.org/">study on human happiness</a> found the thing that makes us most happy in life is our relationships and positive social connections – they also help us to live longer too. Indeed, this 85-year-old Harvard study shows that maintaining quality relationships has a huge benefit for our physical and mental health and wellbeing.</p> <p>Similarly, the charity The Centre for Better Ageing has found that <a href="https://ageing-better.org.uk/resources/later-life-2015-executive-summary">social connections</a> are just as important as money and health to a good later life.</p> <h2>Beyond routine</h2> <p>When it comes to retirement anxiety, <a href="https://link.springer.com/chapter/10.1007/978-3-030-71672-1_2">my research</a> with retirees shows that most people who have been retired for several years learn to manage their concerns and develop <a href="https://link.springer.com/chapter/10.1007/978-3-030-71672-1_5">satisfying and interesting lives</a>.</p> <p>As with a lot of us, most of their time was taken up with home-based chores, self-care, looking after friends and relatives and serving the community – along with working really hard to keep fit, so as to “age well”.</p> <p>But my research also found that negative notions of ageing can <a href="https://link.springer.com/book/10.1007/978-3-030-71672-1">become internalised</a> and prevent people from having fun and making new connections.</p> <p>In my study, people said they were conscious that others might judge the <a href="https://link.springer.com/content/pdf/bfm:978-3-030-71672-1/1?pdf=chapter%20toc">suitability of their leisure choices</a>. While some rebels could only really enjoy a pastime if they knew their children would disapprove (think daytime drinking, gambling, watching TV, cycling on busy roads in a rainstorm and flirting with strangers), most were limited in their leisure choices by this concern.</p> <p>Several did not have any pastimes they enjoyed. <a href="https://link.springer.com/chapter/10.1007/978-3-030-71672-1_6">Those who found a balance</a> had rich and varied leisure lives, but they preferred people from their own age group and a similar background, where they were less likely to be told how amazing they are, for their age.</p> <h2>From anxiety to adventure</h2> <p>While mixing with people from similar backgrounds and age groups can feel safe and comfortable. It can also mean you miss out on new and interesting experiences or having your worldviews challenged or expanded by spending time with different people</p> <p>Retirement is the ideal opportunity to mix things up and gently expand your leisure repertoire. It’s a time to embrace the convivial in the presence of others, not just the usual people you see.</p> <p>If you are happy with your leisure life, great. But if there is a little something missing, a little fun that could enhance it, consider adding in something new. Think outside the box of what’s “<a href="https://link.springer.com/chapter/10.1007/978-3-030-71672-1_5">suitable for your age group</a>”, (what does that even mean?). Indeed, age should not be a barrier to anything, age discrimination is illegal. So if you’re interested then it’s suitable.</p> <p>If you have limited resources learn a language with <a href="https://www.duolingo.com/">Duolingo</a> in five minutes a day. Then when you’re ready, find a language conversation group and join them for a social event.</p> <p>Learn a song, you can do it yourself using YouTube tutorials. If you enjoy that, you could join a community choir, or drag your friends and family to a karaoke night. You could even pick up an instrument and see how it feels to add percussion. Alternatively, perfect a dance at home and if you like it try a dance class – <a href="https://www.youtube.com/watch?v=Oe4xqYSoiUo">pole dancing</a> has become very popular.</p> <p>If you have a bit more time to spare, explore taking an interest to the next level. There are local groups for many activities, including rowing, climbing, circus skills, martial arts and horse riding – what takes your fancy?</p> <p>Not an “organised group” person? Try Frisbee, a boomerang, kite flying, bike rides, skateboarding or roller skating. You don’t have to be with people, just being around them is interesting.</p> <p>For more sedate options consider a cinema club, jazz club, poetry group, or start a quiz team. If you like the TV show <a href="https://www.channel4.com/programmes/the-great-pottery-throw-down">The Great Pottery Throw Down</a> join a ceramic studio and unlock your inner creativity. If you have a free afternoon or evening, look at <a href="https://www.eventbrite.co.uk/">Eventbright</a> and try something random, because we don’t really know what we love until we find it.</p> <p>Nothing has to be a lifelong commitment. If you like it, carry on, if not, then move on to something else. Anything you try will make a good story to tell the younger people in your life – they need to know that later life is an adventure worth working towards.</p> <p>So defy expectations, knock down those mental barriers and try something different. Start today and see where it takes you.<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/201358/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em><a href="https://theconversation.com/profiles/tania-wiseman-1183187">Tania Wiseman</a>, Associate Professor, Head of Therapies , Faculty of Medicine, Health and Life Science, <a href="https://theconversation.com/institutions/swansea-university-2638">Swansea University</a></em></p> <p><em>Image credits: Getty Images</em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/retirement-reinvented-how-to-find-fulfilment-later-in-life-201358">original article</a>.</em></p>

Retirement Life

Hero tradie’s daring move saves toddler who wandered onto busy street

<p>In an awe-inspiring act of bravery that will leave you breathless, shocking <a href="https://au.news.yahoo.com/tradie-scary-move-save-child-095600259.html" target="_blank" rel="noopener">dash cam footage</a> has captured a heart-pounding moment that will forever be etched in the annals of heroism. </p> <p>Laurie Owens, a true guardian angel who fearlessly soared into action on the Salisbury Highway in Adelaide, embarked on a heart-stopping mission to save a young child's life, giving no thought to his own safety or that of his vehicle</p> <p>It was just another day for working tradie Laurie Owens as he navigated the bustling roadways. But with eagle eyes and a heart tuned to protect, Laurie spotted a young boy, still adorned in his nappy, wandering innocently into the treacherous path of oncoming vehicles on a busy highway.</p> <p>In a surge of adrenalin-fuelled heroism, Owens sprang into action as – u<span style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;">ndeterred by the imminent danger, he gallantly mounted the median strip and fearlessly directed his own vehicle into the path of the charging traffic, all in an effort to shield the toddler from harm's way. </span></p> <p><span style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;">His words echo with undying determination: "I'd rather take the damage of a car running into me because I'm safe rather than the child be killed because what protection do they have?" he told 9News. </span></p> <p>In a dazzling display of divine intervention, the unsuspecting little boy, named Aaryan, instinctively turned and bolted towards the safety of his family driveway, under the watchful gaze of Owens.</p> <p>Owens then gathered the child in his arms, poised to reunite him with his worried parents, who confirmed that Aaryan was indeed their precious child. The driveway gates had been left ajar, allowing the child, who grapples with autism, to embark on an unplanned adventure onto the perilous road.</p> <p>In the tearful aftermath, Aaryan's mother, overwhelmed with gratitude, expressed her deepest appreciation, declaring, "Thank you, I'm really grateful that [he] saved my child."</p> <p>For Owens, the humble champion of this heart-stopping saga, the joy of knowing that the little boy made it home safely was an immeasurable reward. Bursting with pride, he triumphantly proclaimed, "I've saved a kid's life. He's got a future now!"</p> <p><em>Images: 9 News</em></p>

Travel Trouble

"Spoil yourself and your bestie": Jackie O announces new side hustle

<p dir="ltr">Jackie O Henderson has announced a new side hustle with her best friend of 20 years Gemma O’Neill.</p> <p dir="ltr">The radio star took to Instagram on Tuesday to announce her newest venture with O’Neill, a business fittingly named “Besties”.</p> <p dir="ltr">“We’ve been besties for over 20 years and have lived through terrible fashion choices, husbands, moving houses (again and again!), holidays, babies, novice tarot card readings, swimming with sharks, dancing around the living room to our favourite songs and of course lots of tears and lots more laughter,” she captioned the photo.</p> <p dir="ltr">The pair were pictured sharing a laugh in a beautiful photoshoot by the beach, presumably to promote their upcoming business.</p> <p dir="ltr">“Like any best friend duo, we've always dreamed of starting our own side hustle, and we're so thrilled to share the news of our newest venture, Besties,” she added in the caption.</p> <p dir="ltr">The <em>KIIS</em> star claims that the business will allow people to spend more time and create more memories with their best friends.</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/Cu0IqHpyEOW/?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/Cu0IqHpyEOW/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by Jackie O (@jackieo_official)</a></p> </div> </blockquote> <p dir="ltr">The pair have thought out their mission well, vowing to bring friends closer to “extraordinary people” through their speaker events, provide trips to “breathtaking destinations” and offer a range of luxe products so you can “spoil yourself and your bestie”.</p> <p dir="ltr">She also revealed that this business venture was just an excuse for her to make more memories with her best friend.</p> <p dir="ltr">“We thought it was about time for a one-stop shop to celebrate each other,” she added.</p> <p dir="ltr">She also tagged an Instagram account for the business, which already boasts over 11 thousand followers.</p> <p dir="ltr">While both women are co-founders of the company, Jackie O will be the creative director while her best friend is the CEO.</p> <p dir="ltr"><em>Images: Instagram</em></p>

Money & Banking

"A night in hospital and a trip to the burns unit later”: Concerned mum's warning against popular fruit

<p><em><strong>Warning: This article contains images that some readers may find distressing.</strong></em></p> <p>A mother has taken to the internet and shared photos of her son’s severe burns that came as a result of him playing with a popular fruit. “A night in hospital and a trip to the burns unit later.” She began in her Facebook post.</p> <p>Her son Otis was playing happily outside with a lime in the sunshine, but the next day horror ensued.</p> <p>“It wasn’t until the next day that we noticed a rash appeared.” The mother said.</p> <p>The parents had assumed the rash must’ve been an allergic reaction to the lime juice, however, the rash quickly developed into a “horrific burn,” she added.</p> <p>The parents took Otis to the hospital where they were informed their son was suffering from a condition called phytophotodermatitis.</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/Cku5QH2thxE/?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/Cku5QH2thxE/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by Tiny Hearts (@tinyheartseducation)</a></p> </div> </blockquote> <p>Phytophotodermatitis, more commonly known as margarita burn, is a little-known condition which causes burns to the skin when a chemical called furocoumarin reacts to sunlight.</p> <p>The chemical is found in limes, citrus fruit and some plants.</p> <p>“The small lime he had been innocently playing with - had now burnt his skin horrifically!“ The mum said. “If our story can help raise awareness into phytophotodermatitis at least something good has come out of our horrific experience!”</p> <p>The woman has urged parents to be on the lookout for this little-known skin condition.</p> <p>To minimise the risks of phytophotodermatitis, <a href="https://www.healthline.com/" target="_blank" rel="noopener">Healthline</a> suggests washing hands and other exposed parts of the skin immediately after being outdoors, wearing gloves when gardening, putting on sunscreen before going outdoors and wearing long-sleeved tops and pants in wooded areas.</p> <p><em>Photo credit: Getty</em></p>

Body

Pizza chain's delightfully devilish scheme lets you pay when you die

<p>A delightfully devilish pizza chain is taking the 'buy now, pay later' scheme to the next level, giving customers the chance to pay for their pizza when they die. </p> <p>HELL Pizza is inviting pizza fans to apply for the trial scheme, which involves amending their wills to have their total cost included. </p> <p>The chain has one store in Brisbane, with the rest of its stores located around New Zealand, with customers from both countries able to apply for the scheme, which involves no late fees or penalties.</p> <p>The restaurant will select 666 applicants from each country, who will be invited to sign a real amendment to their wills allowing the cost of their pizza to be collected upon death.</p> <p>According to HELL Pizza CEO Ben Cumming, pizza is one of the simple joys of life, and AfterLife Pay means diners can get their fix without having to dip into the bank account immediately.</p> <p>The scheme emerged after the business was approached by popular 'buy now, pay later' providers who wanted HELL Pizza to offer the service to its customers. </p> <p>The pizza chain's unique AfterLife Pay came as a direct response to this proposal, as a statement against “schemes trapping a growing number of Aussies in spirals of debt”, Cumming said.</p> <p>“We’re seeing a growing number of people using the schemes to buy essential items like food, and we think it’s taking it a step too far when you’ve got quick service restaurants like ours being asked to offer BNPL for what is considered a treat,” he said.</p> <p>“Especially when you consider people are falling behind in their payments and 10.5 percent of loans are in arrears."</p> <p>“AfterLife Pay is a light-hearted campaign that reinforces HELL’s stance on BNPL schemes - you can have your pizza and eat it too without any pesky late fees or penalties.”</p> <p>Applicants can apply for the scheme <a href="https://afterlife.hellpizza.au/" target="_blank" rel="noopener">online</a>, with the chain's restaurant assuring that you will you won't pay anything for your order until "you're resting six feet under". </p> <p><em>Image credits: HELL Pizza</em></p>

Food & Wine

Am I too old to build muscle? What science says about sarcopenia and building strength later in life

<p><a href="https://theconversation.com/profiles/david-scott-1258511">David Scott</a>, <em><a href="https://theconversation.com/institutions/deakin-university-757">Deakin University</a></em> and <a href="https://theconversation.com/profiles/robin-m-daly-19560">Robin M. Daly</a>, <em><a href="https://theconversation.com/institutions/deakin-university-757">Deakin University</a></em></p> <p>Sarcopenia is the progressive and accelerated loss of muscle mass and strength as we age.</p> <p>The term was coined in the 1980s, and the condition has been recognised as a disease for less <a href="https://onlinelibrary.wiley.com/doi/full/10.5694/mja2.50432">than a decade</a>, but the concept is as old as time: use it or lose it.</p> <p>But what if you’re in your 60s, 70s, 80s or 90s? Is it “too late” to build muscle and fight sarcopenia? Here’s what the research says.</p> <figure class="align-center zoomable"><a href="https://images.theconversation.com/files/525756/original/file-20230511-19-34yuj7.jpg?ixlib=rb-1.1.0&q=45&auto=format&w=1000&fit=clip"><img src="https://images.theconversation.com/files/525756/original/file-20230511-19-34yuj7.jpg?ixlib=rb-1.1.0&q=45&auto=format&w=754&fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/525756/original/file-20230511-19-34yuj7.jpg?ixlib=rb-1.1.0&q=45&auto=format&w=600&h=400&fit=crop&dpr=1 600w, https://images.theconversation.com/files/525756/original/file-20230511-19-34yuj7.jpg?ixlib=rb-1.1.0&q=30&auto=format&w=600&h=400&fit=crop&dpr=2 1200w, https://images.theconversation.com/files/525756/original/file-20230511-19-34yuj7.jpg?ixlib=rb-1.1.0&q=15&auto=format&w=600&h=400&fit=crop&dpr=3 1800w, https://images.theconversation.com/files/525756/original/file-20230511-19-34yuj7.jpg?ixlib=rb-1.1.0&q=45&auto=format&w=754&h=503&fit=crop&dpr=1 754w, https://images.theconversation.com/files/525756/original/file-20230511-19-34yuj7.jpg?ixlib=rb-1.1.0&q=30&auto=format&w=754&h=503&fit=crop&dpr=2 1508w, https://images.theconversation.com/files/525756/original/file-20230511-19-34yuj7.jpg?ixlib=rb-1.1.0&q=15&auto=format&w=754&h=503&fit=crop&dpr=3 2262w" alt="" /></a><figcaption><span class="caption">Exercise training during weight loss can also prevent bone loss.</span> <span class="attribution"><span class="source">Shutterstock</span></span></figcaption></figure> <h2>Sarcopenia isn’t just unfortunate. It’s dangerous</h2> <p>All of us will start to gradually lose muscle from our mid-30s, but this loss accelerates in later years. For up to 30% of adults aged over 60, the declines are substantial enough to meet the <a href="https://onlinelibrary.wiley.com/doi/10.1002/jcsm.12783">definition for sarcopenia</a>.</p> <p>Sarcopenia increases your risk of falls, fractures, hospitalisation, loss of independence and many other chronic diseases.</p> <p>However, people who are active in early life and maintain this as they age can delay or prevent the <a href="https://onlinelibrary.wiley.com/doi/10.1002/jcsm.13218">onset of sarcopenia</a>.</p> <p>The good news is it’s never too late to make a start, even if you are already experiencing the debilitating effects of sarcopenia.</p> <figure class="align-center zoomable"><a href="https://images.theconversation.com/files/525520/original/file-20230511-29-5201jv.jpg?ixlib=rb-1.1.0&q=45&auto=format&w=1000&fit=clip"><img src="https://images.theconversation.com/files/525520/original/file-20230511-29-5201jv.jpg?ixlib=rb-1.1.0&q=45&auto=format&w=754&fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/525520/original/file-20230511-29-5201jv.jpg?ixlib=rb-1.1.0&q=45&auto=format&w=600&h=392&fit=crop&dpr=1 600w, https://images.theconversation.com/files/525520/original/file-20230511-29-5201jv.jpg?ixlib=rb-1.1.0&q=30&auto=format&w=600&h=392&fit=crop&dpr=2 1200w, https://images.theconversation.com/files/525520/original/file-20230511-29-5201jv.jpg?ixlib=rb-1.1.0&q=15&auto=format&w=600&h=392&fit=crop&dpr=3 1800w, https://images.theconversation.com/files/525520/original/file-20230511-29-5201jv.jpg?ixlib=rb-1.1.0&q=45&auto=format&w=754&h=492&fit=crop&dpr=1 754w, https://images.theconversation.com/files/525520/original/file-20230511-29-5201jv.jpg?ixlib=rb-1.1.0&q=30&auto=format&w=754&h=492&fit=crop&dpr=2 1508w, https://images.theconversation.com/files/525520/original/file-20230511-29-5201jv.jpg?ixlib=rb-1.1.0&q=15&auto=format&w=754&h=492&fit=crop&dpr=3 2262w" alt="" /></a><figcaption><span class="caption">It’s never too late to make a start.</span> <span class="attribution"><span class="source">Shutterstock</span></span></figcaption></figure> <h2>What the science says</h2> <p>Resistance training is the most effective way to build and strengthen muscle at all ages. That means things like:</p> <ul> <li> <p>lifting free weights like dumbbells</p> </li> <li> <p>using machine weights, like you find in a gym</p> </li> <li> <p>using resistance bands</p> </li> <li> <p>bodyweight exercises such as push-ups, squats, wall-sits or tricep dips.</p> </li> </ul> <p>It’s OK to start with even very light weights, or do modified, easier versions of bodyweight exercises (for example, you might do a shallow squat rather than a deep one, or a push-up against a wall or windowsill instead of on the floor). Something is always better than nothing.</p> <p>Aim to make the exercise harder over time. Lift progressively heavier weights or do increasingly harder versions of bodyweight or resistance band exercises. This is called progressive resistance training.</p> <figure class="align-center zoomable"><a href="https://images.theconversation.com/files/525565/original/file-20230511-27-1sxqpo.jpg?ixlib=rb-1.1.0&q=45&auto=format&w=1000&fit=clip"><img src="https://images.theconversation.com/files/525565/original/file-20230511-27-1sxqpo.jpg?ixlib=rb-1.1.0&q=45&auto=format&w=754&fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/525565/original/file-20230511-27-1sxqpo.jpg?ixlib=rb-1.1.0&q=45&auto=format&w=600&h=400&fit=crop&dpr=1 600w, https://images.theconversation.com/files/525565/original/file-20230511-27-1sxqpo.jpg?ixlib=rb-1.1.0&q=30&auto=format&w=600&h=400&fit=crop&dpr=2 1200w, https://images.theconversation.com/files/525565/original/file-20230511-27-1sxqpo.jpg?ixlib=rb-1.1.0&q=15&auto=format&w=600&h=400&fit=crop&dpr=3 1800w, https://images.theconversation.com/files/525565/original/file-20230511-27-1sxqpo.jpg?ixlib=rb-1.1.0&q=45&auto=format&w=754&h=503&fit=crop&dpr=1 754w, https://images.theconversation.com/files/525565/original/file-20230511-27-1sxqpo.jpg?ixlib=rb-1.1.0&q=30&auto=format&w=754&h=503&fit=crop&dpr=2 1508w, https://images.theconversation.com/files/525565/original/file-20230511-27-1sxqpo.jpg?ixlib=rb-1.1.0&q=15&auto=format&w=754&h=503&fit=crop&dpr=3 2262w" alt="" /></a><figcaption><span class="caption">Aim to make the exercise harder over time.</span> <span class="attribution"><span class="source">Shutterstock</span></span></figcaption></figure> <p><a href="https://link.springer.com/article/10.1007/s40279-020-01331-7?fbclid=IwAR06PPIz8cf2xZExNvrnlueQp0-7SWQwT1x0bUdnZrgTOqcyiAdTrpufTjU">Clinical trials</a> have consistently shown all adults – even very frail people over the age of 75 – can make significant gains in muscle mass and strength by doing progressive resistance training at least twice a week. The improvements can be seen in as little as eight weeks.</p> <p><a href="https://pubmed.ncbi.nlm.nih.gov/2342214/">One seminal study</a> included ten frail, institutionalised 86–96 year olds who did a high-intensity progressive resistance training program.</p> <p>After just eight weeks, the average mid-thigh muscle area had increased by almost 10% (which is equivalent to the amount of muscle typically lost over a decade) and leg strength increased by about 180%.</p> <p>In other words, these older people were almost three times stronger at the end of the short training program than before.</p> <p>It really can be done. British-Swiss man <a href="https://www.youtube.com/watch?v=rGgoCm1hofM">Charles Eugster</a> (1919–2017), for example, took up progressive resistance training in his late 80s after noticing a decline in his muscle mass. He went on to become a <a href="https://www.bodybuilding.com/fun/lessons-from-a-95-year-old-bodybuilder.html">bodybuilder</a>, and in 2012 gave a TEDx <a href="https://www.youtube.com/watch?v=rGgoCm1hofM">talk</a> titled “Why bodybuilding at age 93 is a great idea”.</p> <figure class="align-center zoomable"><a href="https://images.theconversation.com/files/525755/original/file-20230511-23-xwcq71.jpg?ixlib=rb-1.1.0&rect=0%2C0%2C6689%2C4466&q=45&auto=format&w=1000&fit=clip"><img src="https://images.theconversation.com/files/525755/original/file-20230511-23-xwcq71.jpg?ixlib=rb-1.1.0&rect=0%2C0%2C6689%2C4466&q=45&auto=format&w=754&fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/525755/original/file-20230511-23-xwcq71.jpg?ixlib=rb-1.1.0&q=45&auto=format&w=600&h=400&fit=crop&dpr=1 600w, https://images.theconversation.com/files/525755/original/file-20230511-23-xwcq71.jpg?ixlib=rb-1.1.0&q=30&auto=format&w=600&h=400&fit=crop&dpr=2 1200w, https://images.theconversation.com/files/525755/original/file-20230511-23-xwcq71.jpg?ixlib=rb-1.1.0&q=15&auto=format&w=600&h=400&fit=crop&dpr=3 1800w, https://images.theconversation.com/files/525755/original/file-20230511-23-xwcq71.jpg?ixlib=rb-1.1.0&q=45&auto=format&w=754&h=503&fit=crop&dpr=1 754w, https://images.theconversation.com/files/525755/original/file-20230511-23-xwcq71.jpg?ixlib=rb-1.1.0&q=30&auto=format&w=754&h=503&fit=crop&dpr=2 1508w, https://images.theconversation.com/files/525755/original/file-20230511-23-xwcq71.jpg?ixlib=rb-1.1.0&q=15&auto=format&w=754&h=503&fit=crop&dpr=3 2262w" alt="" /></a><figcaption><span class="caption">Resistance training is the most effective way to build and strengthen muscle at all ages.</span> <span class="attribution"><span class="source">Shutterstock</span></span></figcaption></figure> <h2>What if my doctor has told me to lose weight?</h2> <p>Many older adults have obesity, which increases the risk of cardiovascular disease and type 2 diabetes.</p> <p>They’re often told to lose weight, but any dieting (or other strategy aimed at weight loss) also usually causes muscle loss.</p> <p>Losing muscle mass in older age could increase the risk for many common chronic conditions. For example, muscle is crucial to keeping blood sugar levels under control, so excessive muscle loss could blunt the benefits of weight loss for people with type 2 diabetes.</p> <p>If you’re losing weight, it’s important to try to minimise muscle mass loss at the same time. How? Progressive resistance training.</p> <p>By combining progressive resistance training with weight loss, one study found the resulting muscle loss is <a href="https://pubmed.ncbi.nlm.nih.gov/29596307/">negligible</a>. (It’s also important that if you are dieting, you are still eating <a href="https://www.clinicalnutritionjournal.com/article/S0261-5614(14)00111-3/fulltext">enough protein</a>, so your body has the ingredients it needs to build new muscle).</p> <p>Exercise training during weight loss can also prevent <a href="https://www.sciencedirect.com/science/article/pii/S2095254621000491">bone loss</a>, which reduces fracture risk in older people.</p> <figure class="align-center zoomable"><a href="https://images.theconversation.com/files/520175/original/file-20230411-26-v63lvh.jpg?ixlib=rb-1.1.0&rect=0%2C19%2C4368%2C2877&q=45&auto=format&w=1000&fit=clip"><img src="https://images.theconversation.com/files/520175/original/file-20230411-26-v63lvh.jpg?ixlib=rb-1.1.0&rect=0%2C19%2C4368%2C2877&q=45&auto=format&w=754&fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/520175/original/file-20230411-26-v63lvh.jpg?ixlib=rb-1.1.0&q=45&auto=format&w=600&h=400&fit=crop&dpr=1 600w, https://images.theconversation.com/files/520175/original/file-20230411-26-v63lvh.jpg?ixlib=rb-1.1.0&q=30&auto=format&w=600&h=400&fit=crop&dpr=2 1200w, https://images.theconversation.com/files/520175/original/file-20230411-26-v63lvh.jpg?ixlib=rb-1.1.0&q=15&auto=format&w=600&h=400&fit=crop&dpr=3 1800w, https://images.theconversation.com/files/520175/original/file-20230411-26-v63lvh.jpg?ixlib=rb-1.1.0&q=45&auto=format&w=754&h=503&fit=crop&dpr=1 754w, https://images.theconversation.com/files/520175/original/file-20230411-26-v63lvh.jpg?ixlib=rb-1.1.0&q=30&auto=format&w=754&h=503&fit=crop&dpr=2 1508w, https://images.theconversation.com/files/520175/original/file-20230411-26-v63lvh.jpg?ixlib=rb-1.1.0&q=15&auto=format&w=754&h=503&fit=crop&dpr=3 2262w" alt="" /></a><figcaption><span class="caption">An accredited exercise professional can help design a program that suits you.</span> <span class="attribution"><span class="source">Shutterstock</span></span></figcaption></figure> <h2>Aim for at least twice a week – more if you can</h2> <p>Whether or not you’re trying to lose weight, and regardless of whether you think you have sarcopenia, all older adults can benefit from strengthening their muscles.</p> <p>Even if getting to a gym or clinic is hard, there are plenty of resistance exercises you can do at home or outdoors that will help build strength.</p> <figure class="align-right zoomable"><a href="https://images.theconversation.com/files/525783/original/file-20230512-35478-3o1th8.jpg?ixlib=rb-1.1.0&q=45&auto=format&w=1000&fit=clip"><img src="https://images.theconversation.com/files/525783/original/file-20230512-35478-3o1th8.jpg?ixlib=rb-1.1.0&q=45&auto=format&w=237&fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/525783/original/file-20230512-35478-3o1th8.jpg?ixlib=rb-1.1.0&q=45&auto=format&w=600&h=900&fit=crop&dpr=1 600w, https://images.theconversation.com/files/525783/original/file-20230512-35478-3o1th8.jpg?ixlib=rb-1.1.0&q=30&auto=format&w=600&h=900&fit=crop&dpr=2 1200w, https://images.theconversation.com/files/525783/original/file-20230512-35478-3o1th8.jpg?ixlib=rb-1.1.0&q=15&auto=format&w=600&h=900&fit=crop&dpr=3 1800w, https://images.theconversation.com/files/525783/original/file-20230512-35478-3o1th8.jpg?ixlib=rb-1.1.0&q=45&auto=format&w=754&h=1130&fit=crop&dpr=1 754w, https://images.theconversation.com/files/525783/original/file-20230512-35478-3o1th8.jpg?ixlib=rb-1.1.0&q=30&auto=format&w=754&h=1130&fit=crop&dpr=2 1508w, https://images.theconversation.com/files/525783/original/file-20230512-35478-3o1th8.jpg?ixlib=rb-1.1.0&q=15&auto=format&w=754&h=1130&fit=crop&dpr=3 2262w" alt="" width="498" height="747" /></a><figcaption></figcaption></figure> <p>Talk to a health professional before starting a moderate to high intensity progressive resistance training program. An accredited exercise professional can help design a program that suits you.</p> <p>Generally, we should aim to do progressive resistance training at least <a href="https://link.springer.com/article/10.1007/s12603-021-1665-8">twice a week</a>.</p> <p>Try to target 8–10 muscle groups, and start out at about 30–40% of your maximum effort before progressing over time to 70–80% of your maximum.</p> <p>As the name suggests, it is key to progressively increase the effort or challenge of your program so you can feel the improvements and achieve your goals.</p> <p>It’s never too late to start training for your fight against sarcopenia and loss of independence in older age. The health benefits will be worth it. As Socrates <a href="https://www.sacred-texts.com/cla/plato/theaetet.htm">said</a> in the 4th Century BC:</p> <blockquote> <p>is not the bodily habit spoiled by rest and idleness, but preserved for a long time by motion and exercise?<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/203562/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> </blockquote> <p><a href="https://theconversation.com/profiles/david-scott-1258511">David Scott</a>, Associate Professor (Research) and NHMRC Emerging Leadership Fellow, <em><a href="https://theconversation.com/institutions/deakin-university-757">Deakin University</a></em> and <a href="https://theconversation.com/profiles/robin-m-daly-19560">Robin M. Daly</a>, Professor of Exercise and Ageing, Institute for Physical Activity and Nutrition, Deakin University, <em><a href="https://theconversation.com/institutions/deakin-university-757">Deakin University</a></em></p> <p>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/am-i-too-old-to-build-muscle-what-science-says-about-sarcopenia-and-building-strength-later-in-life-203562">original article</a>.</p>

Body

Four-year-old entrepreneur wins out against council complaints

<p dir="ltr">Four-year-old Leo Tyres is the proud owner of his very own fruit and vegetable stand, better known as Leo’s Little Shop, but his enterprise hasn’t come without its share of struggle. </p> <p dir="ltr">He first had to overcome a hurdle most small business owners know an awful lot about - a slow start. And from there, things escalated, when a complaint made to the local council against his stand almost shut down business for good. </p> <p dir="ltr">Leo operates his pop-up store, selling discounted fruit and vegetables with slight defects from outside his home in Gatton, Queensland. </p> <p dir="ltr">And as Lockyer Valley Mayor Tanya Milligan told<em> 9News</em>, the complaint had been about “a business that was operating in a residential area. </p> <p dir="ltr">“Like most councils, we are complaint-driven, we have an obligation to go and check it out.”</p> <p dir="ltr">“If it’s a permanent structure, it becomes a shop,” she explained, before noting that if that were the case then the young family would have had a lot of hoops to jump through. </p> <p dir="ltr">Luckily for little Leo - and the 2000 locals who got behind a petition to save his venture - Milligan was of the opinion that “it’s no different to me than the old-fashioned lemonade stall or garage sale.” </p> <p dir="ltr">And so, the stand remains open for business, with Leo at the helm. </p> <p dir="ltr">As for how his regulars feel about the outcome, Leo was happy to report that “they say ‘good on ya’.” </p> <p dir="ltr">Leo’s mother, Barbra Sanchez, is delighted with the result as well, and shared some of the benefits of his experience, noting that “he is learning several life skills from interacting with people, [and he’s] saving money.”</p> <p dir="ltr">Those people are, of course, his customers, but also his suppliers. Local business is important to the youngster, who sources his produce from local farmers who are unable to sell the fruit and vegetables due to the ‘imperfections’ in their appearance.</p> <p dir="ltr">While he started out with just a bag of limes and two pumpkins, Leo’s empire has grown from there, and he now has his very own trailer to help with the crucial work of sourcing, carrying, and selling his wares. </p> <p dir="ltr">He was more than eager to share this proud achievement, too, declaring that he can now “take 10 pumpkins in the trailer! 10 pumpkins.” </p> <p dir="ltr">And for anyone wondering just what the four year old might be doing with his hard-earned savings, Leo was happy to explain, telling <em>9News</em>’ Cam Inglis, “I just buy toys.” </p> <p dir="ltr"><em>Images: 9News</em></p>

Food & Wine

"Too busy marching": Debate rages over fiery Anzac Day post

<p>A man has shared a controversial claim on Twitter about Australia’s relationship to Anzac Day, sparking a fiery debate.</p> <p>Australians and New Zealanders gathered to commemorate the 108th anniversary of the landing of Anzac troops at Gallipoli in World War I on April 25th. Services were held all over both countries to mark the day of remembrance.</p> <p>On May 34th, Brad Turner, who says he is a former Navy submariner and AFP officer, took to Twitter to argue that the values of the annual celebration were “no longer reflected” by Australia.</p> <p>He notably called out Australia’s confrontation with China on behalf of the US.</p> <blockquote class="twitter-tweet"> <p dir="ltr" lang="en">Australia is a society that dutifully gets up early every April 25 to gather, Mach & remember our Dead. Speeches are made, politicians speak of sacrifice & honour whilst possessing or embodying neither. That same society that holds paramount ideals of egalitarianism, mateship &… <a href="https://t.co/sbHHbRiYAF">pic.twitter.com/sbHHbRiYAF</a></p> <p>— Brad Turner (@tur14865416) <a href="https://twitter.com/tur14865416/status/1650394428841037826?ref_src=twsrc%5Etfw">April 24, 2023</a></p></blockquote> <p>“Australia is a society that dutifully gets up early every April 25 to gather, march and remember our dead,” he wrote in the post, which has been viewed more than 20,000 times.</p> <p>“Speeches are made, politicians speak of sacrifice and honour whilst possessing or embodying neither. That same society that holds paramount ideals of egalitarianism, mateship and sacrifice is forgotten on the other 364 days of the year.</p> <p>“On those days Australia marches right past veteran suicides, war crimes, illegal wars and widespread inequality and corruption. Is it really a day of remembrance? Or is it theatrics so society can pretend they care about victims of war or our conduct as a country with an aim to feel better about apathy and inaction as a nation towards these things.</p> <p>“We don’t notice any of these things because we are too busy marching. But this time it’s headlong into another pointless American war with China. The things we celebrate about our nation on Anzac Day are sadly no longer reflected in Australia’s actions. They have not been in some time.”</p> <p>Several people online took the same stance as Mr Turner.</p> <p>“I don’t like Anzac Day. It overlooks our follies in joining Britain and US wars. WWII was noble. The rest were con jobs to enrich the industrialists. Our people have all these solemn events only to assuage their ‘je ne c’est quoi’ because they don’t feel any guilt but should,” one wrote.</p> <p>“Our politicians spend more on memorial monuments and museums that they can put their name on a plaque on the wall than they do for the actual veterans who are suffering from PTSD or other ‘souvenirs’ they have brought back from their tours,” another said.</p> <p>“Flag waving patriotism has taken over Anzac Day. We are one step away from parades of military hardware while the populace salute. What should be a reflection on the horrors of war has become it‘s celebration. John Howard did this,” a third added.</p> <p>“Listening to the Labor government yesterday follow in the footsteps of the Coalition, justifying spending billions antagonising China at America’s request is not the ‘lest we forget’ I think about,” a fourth wrote.</p> <p>Others fired back and said Anzac Day was still important.</p> <p>“Mate … it’s about remembering the sacrifice and loss of our mates … lest we forget,” one wrote, adding, “I don’t worry about [politicians] anymore grandstanding on the day. It’s our day not theirs to remember our mates.”</p> <p>Another wrote, “It is tradition. It separates the fluff of ordinary living to reflect on sacrifice not only of the dead, of lives unlived, of the unfathomable grief but also of the living dealing with the trauma and moral injury of tooth and claw war. It is not a celebration which distracts.”</p> <p>“I understand this perspective, but at the same time I ask myself — is there any harm in this form national reflection? I agree there have been some military follies following the absolute necessity of WWII, but would add that there is no guarantee that the next engagement is such,” a third wrote.</p> <p><em>Image credit: Shutterstock</em></p>

News

The power of purpose in later life

<p><em><strong>Dr Kate Gregorevic is a geriatrician with a research interest in health and lifestyle factors that are associated with healthy ageing and recovery from illness.</strong></em></p> <p>Having purpose in life is essential to wellbeing. We all want to live a life that has meaning and importance. As we age, our life circumstances change. A job that was once engaging and rewarding looses its’ charm and it’s time to retire. A dependent child grows into an independent adult. These are life events to be celebrated, but they can leave a gap to be filled. As these life events happen, the roles we have used to define ourselves change, which creates a risk of loss of purpose. This can have negative health effects, but it can also be a wonderful opportunity to find new fulfilment. </p> <p>Living a life with purpose feels good. Amazingly it is also liked with better health and longevity. In a study of a large group of older adults, those with a higher sense of purpose maintained a higher walking speed. This is important as maintaining the ability to walk fast is an excellent indicator of general health and physical reserve to cope with illness. People with purpose have higher levels of physical function, which is so important for independence. A higher level of purpose even decreases the risk of Alzheimer’s and cardiovascular disease. Even for those who already have cognitive impairment, a higher sense of purpose can slow any cognitive decline.</p> <p>There are many reasons purpose has such strong health benefits. People with a sense of purpose do tend to undertake healthier behaviours, including good nutrition and exercise. This group also tend to be proactive in self-care. Even more than this there is also a direct biological effect. People who have a higher purpose have decreased levels of inflammation. Inflammation can be a functional protective response to infection or injury, as an example if you cut your hand, there will be increased blood flow as well as white blood cells to fight infection and cellular transmitters to stimulate healing. The inflammatory response then quickly turns off when it is no longer needed. Inflammation becomes problematic when it is chronically turned on at a low level, which can be a result of stress. Over a long period of time, inflammation can result in frailty, or a decreased reserve to recover from illness and an increased risk of functional decline. People with a higher level of purpose have lower levels of inflammatory markers. This is even true in those who have chronic medical conditions.</p> <p>Purpose in life is a central component of well-being, it reflects the extent to which people see meaning in their life. It is also something we can all work to develop. Living a life rich with purpose is rewarding in its own right. If you feel lost with life changes, it is within your power to define a new role for yourself. We all have our own skills and talents. If you have had many years of life, you will have a huge number of individual resources. Purpose doesn’t have to be showy, like a high-status job. Caring for grandchildren, or volunteering at a nursing home can make a huge difference to other people’s lives and is emotionally enriching. Creating your own goals like a fitness challenge or writing a blog every month are other achievable ways to create purpose.</p> <p>Two thousand years ago, Aristotle wrote that the highest claim of human goods is not happiness, but striving for the best that is within us. We all have our own talents and skills. It is just a matter of applying these as our life circumstances change to get the health benefits of purpose.</p> <p><em>Please note, this article contains general education and should not be interpreted as specific medical advice. If this article raises any health or other concerns, please consult your own medical practitioner. </em></p> <p><em>Images: Getty</em></p>

Retirement Life

Rod Stewart's ultimate surprise for like-minded hobbyists

<p>Rod Stewart has paid a surprise visit to a local business in Sydney's west, mingling with like-minded hobbyists. </p> <p>On Wednesday night, the 78-year-old rockstar took to the stage of Sydney's Qudos Bank Arena in front of 21,000 adoring fans, performing his classic hits in a signature leopard print jacket. </p> <p>But just hours before, he stopped in at Woodpecker Model Railways, a model train store located in Pendle Hill, in search of model trains to add to his vast collection.</p> <p>"Look who casually walked into our shop," the business shared on their Facebook page, alongside a photo of staff members smiling with the rock legend.</p> <p><iframe style="border: none; overflow: hidden;" src="https://www.facebook.com/plugins/post.php?href=https%3A%2F%2Fwww.facebook.com%2Fwoodpeckermodelrailways%2Fposts%2Fpfbid0Nfb2LeEtR5yXAcfCiBW8g4GVLqncdVbNz9AKJnZVwFzB345DUXMDt3C6ZvcGpReyl&show_text=true&width=500" width="500" height="504" frameborder="0" scrolling="no" allowfullscreen="allowfullscreen"></iframe></p> <p>"That's amazing!!!" one follower wrote on Facebook.</p> <p>"WOW how awesome !! Lucky you !!I think I would be in total admiration [and] shock if Rod walked into a shop I owned or was in lol," another said.</p> <p>"A very accomplished modeller..... sings a bit as well....." another wrote.</p> <p>Rod Stewart has long been known as a <a href="https://www.oversixty.com.au/property/real-estate/rod-stewart-s-hidden-track-inside-his-beverly-hills-home" target="_blank" rel="noopener">keen model train builder</a>, revealing in a 2019 interview with Railway Modeller magazine that he had been working on a giant and intricate model of a United States city at home for the previous 23 years.</p> <p>Following his admission in the interview, BBC Radio 2's Jeremy Vine suggested Stewart did not build the model himself, to which Stewart rebutted as he called into Vine's show to set the record straight himself.</p> <p>"I would say 90 per cent of it I built myself," Stewart insisted to Vine. "The only thing I wasn't very good at and still am not is the electricals, so I had someone else do that."</p> <p>"A lot of people laugh at it being a silly hobby, but it's a wonderful hobby," he said.</p> <p><em>Image credits: Facebook</em></p>

Music

No Pokies, no problems: The bowling club that never looked back

<p dir="ltr">Petersham Bowling Club was heading towards poverty, when the board’s decision to remove all of their pokies in 2007 changed their business for the better.</p> <p dir="ltr">Club president George Catsi said that the shift from pokies, a staple of many NSW bowling clubs, to live entertainment and other events has generated them more profit than the slots ever did, with a 700 per cent increase in turnover.</p> <p dir="ltr">“I came at it from a position of, this is a valuable space that’s here, the club owns the land. They could have developed it,” he told <em>news.com.au</em>.</p> <p dir="ltr">“So I suppose we came in on a platform of engagement, and we were feeling that the club wasn’t engaging with its community.”</p> <p dir="ltr">Over the last calendar week alone, the club has hosted trivia, life drawing, poetry, two music gigs, Pinot and Picasso, a community radio show, and Sunday bowls.</p> <p dir="ltr">“You’ve got to create a place that people go. This place is such a great vibe, and it’s got such interesting things going. People will fight for that,” Catsi said.</p> <p dir="ltr">“This is what clubs should be – they should be hubs. My problem with a lot of other clubs is that they forgot that.”</p> <p dir="ltr">Catsi said that they took over the bowling club because it was struggling, and recognised that the pokies weren’t “saving them” or a “guaranteed lifeline”, as they still needed to get people through to the club.</p> <p dir="ltr">He also said that clubs relying on the slot machines for income are “doomed” because they are not open to welcoming and accommodating to the wider communities.</p> <p dir="ltr">“Is it lazy income now? Yes, it is. Absolutely. Because it’s just embedded as part of your income stream, and you don’t want to let go of it,” Catsi said.</p> <p dir="ltr">“It’s also governments … they’re also addicted to the gambling money.”</p> <p dir="ltr">Pokies are going to be one of the major issues for the upcoming NSW election on March 25.</p> <p dir="ltr">Both parties have vowed to make considerable changes, but neither are going to remove the slots completely.</p> <p dir="ltr"><em>Image: Getty</em></p>

Money & Banking

Salon owner loses $40,000 from one $60 deposit

<p dir="ltr">When beautician Thuy Le received a call from a supposed customer’s ‘husband’ regarding an accidental payment, she could never have foreseen the devastating turn her life would take from that point on. </p> <p dir="ltr">The mother of two, whose husband is living with Parkinsons and unable to work, recounted how her harrowing ordeal started with that one phone call, and the man on the other end requesting she return the $60 his wife had ‘accidentally’ paid. </p> <p dir="ltr">Le checked her bank statements to verify his story, and after noting one deposit that matched, she transferred the funds into the account he provided. </p> <p dir="ltr">She did not provide any of her own personal information, her passwords, or any critical numbers for her accounts. And yet, in the time to follow, Le could only watch in horror as more withdrawals were made from her account, into the very same one owned by the customer’s ‘husband’. </p> <p dir="ltr">The withdrawals totalled a devastating $41,600 stolen from Le’s life savings. </p> <p dir="ltr">Le also recounted how she was refused access to her business account, and that she got in touch with her bank as soon as she realised what had happened, suspecting she had been scammed. </p> <p dir="ltr">Her quest for support in her time of need was cut short, with the financial institution placing the blame solely on Le and ruling that they were not liable for the losses she had endured - this was despite the suspicious withdrawals raising no alarm with the bank, and the lack of personal information involved in the scam. </p> <p dir="ltr">Of their questionable red flag system, the bank claimed that it is “nearly impossible for an unauthorised third party to guess”, referencing the way that the logins for the costly transaction all succeeded on the very first try. </p> <p dir="ltr">Furthermore, as stated in a letter to Le, they declared that “the only reasonable explanation for these logins would be that your online banking credentials were known to the unauthorised third party, which would be in breach of the passcode security requirements.”</p> <p dir="ltr">“I am in financial hardship,” Le admitted of her dire situation, and the need to have the funds returned for her family and her husband’s crucial medication. </p> <p dir="ltr">“I have two little kids, I have a husband with Parkinson’s disease, he cannot work,” she continued. “We are still in the process of applying for government help and I have carried the financial burden on my shoulders.”</p> <p dir="ltr">While Le’s bank offered $200 to resolve her complaint, she was offered no further assistance, and took matters to the Australian Financial Complaints Authority, hoping to have her money returned to her. </p> <p dir="ltr">“I can’t sleep,” she confessed. “I want to know why this happened to me and how it happened to me.</p> <p dir="ltr">“I’m not a liar, not a criminal, not a fraud.”</p> <p dir="ltr"><em>Images: Supplied to 7News, Facebook</em></p>

Money & Banking

Why you should beware spending rewards and BNPL programs

<p>Malware is software designed to disrupt and destroy, and there are plenty of ‘wolf in sheep’s clothing’ financial programs doing just that to people’s financial futures. Some that come to mind are programs (yes, they’re called ‘programs’) that make it easier to spend and / or reward and incentivise spending, and harder to make good financial decisions. When you get tricked into spending, or spending more than you otherwise would, you transfer your wealth to someone else. The more wealth you consume, the less you have for later on. Let’s consider two marketing malware culprits to avoid wherever possible.</p> <p><strong>Rewards Programs</strong></p> <p>Beware programs that trick you into thinking that spending is good.</p> <p>Consider Flybuys for example. It is a rewards program where you generally receive one Flybuys point for every dollar spend. Therefore, to earn 1 000 000 Flybuys points, you need to spend $1 000 000. What if I told you that the cash value of one Flybuys point is 0.5 cents? That would mean to earn 1 000 000 Flybuys points you’d have to spend $1 000 000, yet that $1 000 000 is really only ‘worth’ $5000. They’ve actually created a system where you think you’re being rewarded on a one-for-one basis (i.e. one dollar spent equals one point) when really you’re being rewarded at the rate of half of one cent for every dollar spent.</p> <p>Additionally, when it comes time to redeem your points, the products you can ‘purchase’ are valued at top dollar, rather than at any discounted price you might be able to find if you shopped around.</p> <p><strong>Buy Now Pay Later (BNPL)</strong></p> <p>Back in the day, department stores offered something called lay-by. This was where you could grab a product off the shelf, take it to the store’s lay-by counter and enter an arrangement with them to pay it off over two or three instalments. Once you’d made the final payment, the product was yours to own and take home. Lay-by was a great option for people who couldn’t access or didn’t want to use credit cards. There were no upfront fees associated with lay-by, and there was certainly no interest charged. </p> <p>Lay-by has been reborn and rebadged as BNPL; you pay by instalments, and you can take the product with you immediately. You won’t pay any fees provided you make the required instalments in full and on time. If you don’t, then you’ll be slugged with establishment fees, late fees, account-keeping fees and payment processing fees.</p> <p>The danger is that BNPL is easier to access than traditional debt options such as credit cards because BNPL is not technically credit since providers don’t charge interest. But BNPL is consumer debt with instant gratification, and that makes it credit in my book.</p> <p>Afterpay is one of the biggest BNPL providers on the planet. It advertises that it is a ‘free service’, provided you pay on time. If you don’t, their late fee is $10 per missed payment, plus an additional $7 if the payment is still outstanding after a week. It doesn’t sound like a lot, but if you had bought something that only cost $20 and forgot to make a $5 instalment, then the $10 fee is 200 per cent of the missed payment. Ouch! Don’t forget that the fee is per missed payment. If there were other purchases made, then the fee would compound.</p> <p>Late fees, however small, can quickly cascade into a significant sum of money, potentially many times more than the instalment due or even the price of the item purchased. Plus, there are other consequences of missed payments—black marks on credit records, difficulties borrowing for other debt such as a home loan, and the possibility of additional fees as debts are passed over to debt collectors.</p> <p>BNPL organisations profit from users who fail to meet their repayment obligations, and so part and parcel of running a successful business and growing profits would involve them doing well when their customers do poorly. You can’t expect corporate behemoths to do the right thing by you if it’s the wrong thing by them. The best you can do is gain the skills and awareness you need to know when you’re being played. Marketing malware disrupts your ability to accumulate wealth by tricking you into believing you are getting a better deal than is the case. Ideally, you’d avoid using it at all, but if it’s too late for that, then you need to clean up your code as soon as you can.</p> <p>Being rewarded for spending money you haven’t yet earned is a toxic combination that will poison your efforts to attract and keep a fortune that counts. Make sure you are a good shepherd of your financial flock by being vigilant in keeping an eye out for marketing malware wolves, and not falling for their enticing yet financially disempowering charms. </p> <p><strong>Edited extract from Steve McKnight’s <em>Money Magnet: How to Attract and Keep a Fortune that Counts</em> (Wiley $32.95), now available at all leading retailers. Visit www.moneymagnet.au</strong></p> <p><em>Image: Getty Images</em></p>

Money & Banking

Just 25% of businesses are insured against cyber attacks. Here’s why

<p>In the past financial year, the Australian Cyber Security Centre received <a href="https://www.cyber.gov.au/acsc/view-all-content/reports-and-statistics/acsc-annual-cyber-threat-report-july-2021-june-2022" target="_blank" rel="noopener">76,000 cyber-crime reports</a> – on average, one every seven minutes. The year before, it was a report every eight minutes. The year before that, every ten minutes.</p> <p>The growth of cyber crime means it is now arguably the <a href="https://www.aon.com/2021-global-risk-management-survey/index.html" target="_blank" rel="noopener">top risk facing any business</a> with an online presence. One successful cyber attack is all it takes to ruin an organisation’s reputation and bottom line. The estimated cost to the Australian economy in <a href="https://www.unsw.adfa.edu.au/newsroom/news/cybercrime-estimated-42-billion-cost-australian-economy" target="_blank" rel="noopener">2021 was $42 billion</a>.</p> <p>To protect itself (and its customers), a business has three main options. It can limit the amount of sensitive data it stores. It can take greater care to protect the data it does store. And it can insure itself against the consequences of a cyber attack.</p> <p>Cyber-insurance is a broad term for insurance policies that address losses as a result of a computer-based attack or malfunction of a firm’s information technology systems. This can include costs associated with business interruptions, responding to the incident and paying relevant fines and penalties.</p> <p>The global cyber-insurance market is now worth an estimated US$9 billion (A$13.9 billion). It is tipped to grow to <a href="https://www.munichre.com/content/dam/munichre/contentlounge/website-pieces/documents/MunichRe-Topics-Cyber-Whitepaper-2022.pdf/_jcr_content/renditions/original./MunichRe-Topics-Cyber-Whitepaper-2022.pdf" target="_blank" rel="noopener">US$22 billion by 2025</a>.</p> <p>But a big part of this growth reflects escalating premium costs – in Australia they increased more <a href="https://www.insurancebusinessmag.com/au/news/cyber/whats-driving-up-cyber-insurance-premiums-in-australia-417542.aspx" target="_blank" rel="noopener">than 80% in 2021</a> – rather than more business taking up insurance.</p> <p>So coverage rates are growing slowly, with about 75% of all businesses in Australia having no cyber-insurance, according to 2021 figures from the <a href="https://insurancecouncil.com.au/wp-content/uploads/2022/03/Cyber-Insurance_March2022-final.pdf" target="_blank" rel="noopener">Insurance Council of Australia</a>.</p> <p><strong>Challenges in pricing cyber-insurance</strong></p> <p>With cyber-insurance still in its infancy, insurers face significant complexities in quantifying cyber risk pricing premiums accordingly – high enough for the insurers not to lose money, but as competitive as possible to encourage greater uptake.</p> <p>A 2018 assessment of the cyber-insurance market by the <a href="https://www.cisa.gov/sites/default/files/publications/20_0210_cisa_oce_cyber_insurance_market_assessment.pdf" target="_blank" rel="noopener">US Cybersecurity and Infrastructure Security Agency</a> identified three major challenges: lack of data, methodological limitations, and lack of information sharing.</p> <p>Lack of historical loss data means insurers are hampered in accurately predicting risks and costs.</p> <p>Because of the relative newness of cyber crime, many insurers use risk-assessment methodologies derived from more established insurance markets <a href="https://www.rand.org/pubs/external_publications/EP67850.html" target="_blank" rel="noopener">such as for car, house and contents</a>. These markets, however, are not analogous to cyber crime.</p> <p>Companies may be hesitant to disclose information about cyber incidents, unless required to do so. Insurance carriers are reluctant to share data pertaining to damage and claims.</p> <p>This makes it hard to create effective risk models that can calculate and predict the likelihood and cost of future incidents.</p> <p><strong>So what needs to be done?</strong></p> <p>Deakin University’s <a href="https://cybercentre.org.au/" target="_blank" rel="noopener">Centre for Cyber Security Research and Innovation</a> has been working with insurance companies to understand what must be done to improve premium and risks models pertaining to cyber insurance.</p> <p>Here is what we have found so far.</p> <p>First, greater transparency is needed around cyber-related incidents and insurance to help remedy the lack of data and information sharing.</p> <p>The federal government has taken two steps in the right direction on this.</p> <p>One is the <a href="https://www.accc.gov.au/focus-areas/consumer-data-right-cdr-0" target="_blank" rel="noopener">Consumer Data Right</a>, which provides guidelines on how service providers must share data about customers. This came into effect in mid-2021.</p> <p>The other is the government’s proposal to amend <a href="https://www.aph.gov.au/Parliamentary_Business/Bills_Legislation/Bills_Search_Results/Result?bId=r6940" target="_blank" rel="noopener">privacy legislation</a> to increase penalties for breaches and give the Privacy Commissioner new powers.</p> <p>Second, insurers must find better ways to measure the financial value and worth of the data that organisations hold.</p> <p>The primary asset covered by cyber insurance is the data itself. But there is no concrete measure of how that data is worth.</p> <p>The recent Optus and Medibank Private data breaches provide clear examples. The Optus event affected millions more people than the Medibank Private hack, but the Medibank Private data includes <a href="https://www.afr.com/technology/privacy-fallout-from-medibank-hack-will-be-widespread-20221023-p5bs75" target="_blank" rel="noopener">sensitive medical data</a> that, in principle, is worth far more than data regarding just your personal identity.</p> <p>Without an accurate way to measure the financial value of data, it is difficult to determine the appropriate premium costs and coverage.</p> <p>Cyber insurance is a new, specialised market with significant uncertainty. Given the ever-increasing risks to individuals, organisations and society, it is imperative that insurers develop robust and reliable risk-based models as soon as possible.</p> <p>This will require a consolidated effort between cyber-security experts, accountants and actuaries, insurance professionals and policymakers.<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/193533/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em>Writen by Jongkil Jay Jeong and Robin Doss. Republished with permission from <a href="https://theconversation.com/just-25-of-businesses-are-insured-against-cyber-attacks-heres-why-193533" target="_blank" rel="noopener">The Conversation</a>.</em></p> <p><em>Image: Getty Images</em></p>

Money & Banking

Locals rally after 12-year-old has business shut down

<p dir="ltr">A 12-year-old boy has gained the support of his local community after his snack-selling business was shut down by council.</p> <p dir="ltr">Jesse Lane was earning some tidy profits from selling cold drinks, insect repellent, dog treats and sunscreen in a tent on the Bondi to Coogee walk in Sydney’s Eastern Suburbs.</p> <p dir="ltr">Despite his success, the venture was shut down after two locals complained that he shouldn’t be making profits on public land.</p> <p dir="ltr">The complaints came after Randwick Council rejected Jesse’s trading application because he didn’t have insurance.</p> <p dir="ltr">But even when he acquired insurance months later, the application was rejected again.</p> <p dir="ltr">With his tent stall facing a forced closure, locals have rallied around Jesse.</p> <p dir="ltr">“Jessie is the hard-working kid who sets up and sells a number of things for hot and thirsty walkers and their pets,” one person shared on Facebook.</p> <p dir="ltr">“The world needs more kids to drive to work hard for themselves and not sit around and play video games all day.</p> <p dir="ltr">“His parents must be so proud of him and people should mind their business, if the kid wants to make money and work on his weekends good on him.”</p> <p dir="ltr">Susan Ley, the deputy leader of the Liberal party, chimed in to support the youngster, saying he should be commended for “having a go”.</p> <p dir="ltr">“We won’t have the small businesses and entrepreneurs of tomorrow if we don’t back them today,” she said.</p> <p dir="ltr">“This is a foolish decision @RandwickCouncil and it should be reversed.</p> <p dir="ltr">“Local community (equals) happy, 12-year-old kid having a go … what’s the problem?”</p> <p dir="ltr">In August, <em>Yahoo News</em> reported that Randwick Council confirmed that there had been a “number” of complaints about Jesse’s business.</p> <p dir="ltr">"He was initially selling drinks but has expanded to include a range of products including sunscreen, insect repellent and dog treats," a council spokesperson told <em>2GB </em>radio.</p> <p dir="ltr">“While we admire the innovation and entrepreneurial spirit of the young man, there are restrictions on commercial operations in public parks.</p> <p dir="ltr">“Council received a number of complaints from people concerned about the precedent of commercialisation of the park as well as concern about the safety and welfare of a young boy trading and handling money in a public place.”</p> <p dir="ltr">“Council has carefully considered the application. Unfortunately, it has determined that the activity is not consistent with the primary use of the land and it is not in the public interest for a proliferation of these types of activity along the length of the coastline.”</p> <p><span id="docs-internal-guid-4600703a-7fff-8fd5-8584-58c705a63219"></span></p> <p dir="ltr"><em>Image: 7News</em></p>

Money & Banking

The financial risks of finding love later in life

<p>Well, they do say all is fair in love and war.</p> <p>For many people who have gone through a divorce or lost a partner and found themselves lonely at an advanced age, the wonder of finding love again can be an amazing experience.</p> <p>Unfortunately though, this joyful experience can sometimes be followed by potentially nasty financial implications that, if you’re not aware of, can leave you considerably out of pocket. </p> <p>One key difference between new couple of a younger age and new couples who are in their later years is that the latter group doesn’t have as much time to build their wealth together, and tend to spend it all immediately.</p> <p>Another cause of conflict is if a partner moves in and starts contributing to a mortgage, which may entitle them to some claim over the house even if it isn’t specifically spelt out in a will. Also, as Dianne Charman of Jade Financial notes, “The sad fact is that gold-diggers do exist. Even in the absence of gold-diggers, there are inheritance issues.”</p> <p>The good news is that while there are risks that come with finding love later in life, there are also ways to ensure that the financial future of you and your partner will be sound.</p> <p>Before moving in together, make a record of every the pair of you own and put in place a binding financial agreement with the help of a lawyer to detail how the finances will be split if the relationship breaks down. It’s recommended that individuals who are looking to formalise their relationship in later years be open about their finances and the level of financial and other support they want to give their children or elderly parents, and when they may be looking to retire.</p> <p>Generally speaking though, the biggest cause of conflict comes when one partner passes away and will are contested, so make sure you spend the time and money to ensure that your specific will is as watertight as possible. A good will can enable you to allow your partner to live in the shared house until their death, but for the home to then be transferred to your beneficiaries.</p> <p>There are many financial implications to finding love at a later stage in life that you need to be aware of, but they needn’t be considered a deterrent. By planning ahead and being honest you can ensure that money will never be a cause of conflict for you and your new partner. </p> <p>Image: Getty</p>

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Retiree threatened with $200,000 fine over home egg business

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Salon owner loses $40,000 from one $60 deposit

Why you should beware spending rewards and BNPL programs

Just 25% of businesses are insured against cyber attacks. Here’s why

Locals rally after 12-year-old has business shut down

The financial risks of finding love later in life

Our Partners

News

Shop

Catalogues

Newspaper

Contests

Entertainment

Travel

Health

Lifestyle

Finance

Property

Compare

Games

Information

Keep up to date

Search

Retiree threatened with $200,000 fine over home egg business

"You've been bumped": Vietnam vet slams Qantas for booting him from business class

Kochie and Karl team up for a new business venture

"The last male sanctuary": Barber shop campaigns to formally ban women

Retirement reinvented: how to find fulfilment later in life

Hero tradie’s daring move saves toddler who wandered onto busy street

"Spoil yourself and your bestie": Jackie O announces new side hustle

"A night in hospital and a trip to the burns unit later”: Concerned mum's warning against popular fruit

Pizza chain's delightfully devilish scheme lets you pay when you die

Am I too old to build muscle? What science says about sarcopenia and building strength later in life

Four-year-old entrepreneur wins out against council complaints

"Too busy marching": Debate rages over fiery Anzac Day post

The power of purpose in later life

Rod Stewart's ultimate surprise for like-minded hobbyists

No Pokies, no problems: The bowling club that never looked back

Salon owner loses $40,000 from one $60 deposit

Why you should beware spending rewards and BNPL programs

Just 25% of businesses are insured against cyber attacks. Here’s why

Locals rally after 12-year-old has business shut down

The financial risks of finding love later in life

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