Placeholder Content Image

When is it a good idea to get a property appraisal?

<p>In the fast-paced world of real estate, finding a space that truly reflects your essence and aspirations can feel like searching for a needle in a haystack. Enter <a href="https://go.linkby.com/PXROBQFZ" target="_blank" rel="noopener">Atlas by LJ Hooker</a>.</p> <p>At the heart of Atlas lies a profound understanding that a home is not merely a structure; it's a canvas upon which individuals paint their dreams and express their identities. This ethos is beautifully encapsulated in their brand message: "We understand that a home is so much more than real estate; it's a place to truly express yourself, to live the life you envision."</p> <p>What sets Atlas apart is its unwavering commitment to personalised service – especially when it comes to <a href="https://go.linkby.com/PXROBQFZ" target="_blank" rel="noopener">free property appraisals</a>. Unlike traditional real estate agencies, Atlas doesn't believe in a one-size-fits-all approach. Instead, they empower sellers to curate their own narrative, choosing elements of the brand that resonate with their unique lifestyle. Whether it's a sleek urban penthouse or a sprawling countryside estate, Atlas offers highly tailored marketing strategies that serve as a personal reflection of the property and its inherent allure.</p> <p>For those ready to embark on the journey of <a href="https://go.linkby.com/PXROBQFZ" target="_blank" rel="noopener">having their property appraised</a> – whether you're contemplating a sale, gauging investment opportunities, or simply curious about your net worth – Atlas offers a seamless pathway to success, as well as comprehensive advice on the potential benefits.</p> <p>At the core of any property appraisal lies a quest for insight into the local property market's heartbeat. Has your neighbourhood witnessed fluctuations in property values? Have recent renovations added significant value to your home? Are you considering upsizing, downsizing, or entering the investment realm? Or perhaps you're merely eager to unveil the hidden potential nestled within your property's walls.</p> <p>From the size of your property to the nuances of its structure and condition, every facet contributes to the appraisal process. Agents meticulously scrutinise elements such as property size, bedroom configurations, fixtures and fittings, offering valuable insights into your property's market positioning.</p> <p>Beyond tangible attributes, location exerts a profound influence on property values. Agents dissect the neighbourhood fabric, examining proximity to amenities, school catchments and transport accessibility. Additionally, factors like building structure, overall presentation and ease of access shape the appraisal narrative, underscoring the intricate interplay between tangible and intangible elements.</p> <p><strong>The crucial distinction: Valuations vs. Appraisals</strong></p> <p>It's imperative to <a href="https://go.linkby.com/PXROBQFZ/understanding-property-appraisals/" target="_blank" rel="noopener">discern between property valuations and appraisals</a>. While valuations offer an independent assessment of a property's value by certified valuers, appraisals provide a nuanced perspective shaped by local market dynamics and agent expertise.</p> <p>Embarking on the path to a property appraisal is easy. Simply <a href="https://go.linkby.com/PXROBQFZ" target="_blank" rel="noopener">book a consultation</a>, relax as they navigate through the intricacies of your property, and await their expert assessment.</p> <p>Armed with the insights garnered from your property appraisal, you're now equipped to chart your next course of action. Whether it's embarking on home improvements, contemplating a sale or recalibrating your financial portfolio, the appraisal serves as your guiding light.</p> <p>In a landscape defined by constant flux, the value of knowledge cannot be overstated. A property appraisal isn't merely a transactional ritual; it's a journey towards financial empowerment and informed decision-making. So, whether you're contemplating a sale or simply curious about your property's worth, take that pivotal step towards unlocking the true value of your home. After all, in the realm of real estate, knowledge is indeed power.</p> <p><em>For more information or to book your own <a href="https://go.linkby.com/PXROBQFZ" target="_blank" rel="noopener">free property appraisal, click here</a>.</em></p>

Real Estate

Placeholder Content Image

“Let’s share it”: Karl’s wild idea to save the Brisbane Olympics

<p>Karl Stefanovic has become the unlikely face of a good idea, pitching a revolutionary way to save the Brisbane Olympics from disaster. </p> <p>The 2032 games will be the first time Australia has hosted the event since Sydney in 2000, with hundreds of thousands of people expected to make the pilgrimage to the sunshine state to watch their favourite sports. </p> <p>Despite the building excitement for the games, the Queensland government has copped backlash in recent weeks over the preparations for the event, after Premier Steven Miles announced he would bin a $3.4 billion plan to build a new inner-city stadium in Victoria Park in time for the Olympics.</p> <p>Instead, the premier plans to use the exisiting Suncorp Stadium to host the opening and closing ceremonies, while the Queensland Sport and Athletics Centre will host the athletics events.</p> <p><em>Today</em> host and Brisbane native Karl Stefanovic has labelled the plan as a “seismic international embarrassment” and in a strange turn of events, even offered up a good suggestion for how to fix it.</p> <p>“So how about we share the Olympics across the country, opening ceremonies in all the major already existing stadiums, events split among world-class facilities and the rest of the events showcasing this great country to the world,” he said.</p> <p>“We’ll have the triathlon on the Gold Coast, the cycling in Far North Queensland, the surfing at Bells Beach, the marathon past Uluru, the shooting in Longreach, it could be a magnificent two-week tourism ad for this country, leaving a legacy that’s cheaper."</p> <p>“Our athletes deserve the very best, so if Queensland can’t do it, let’s share it. ”</p> <p>It seems Karl isn't the only one up in arms over the decision to not build a new stadium, as a group of high-profile Aussie Olympians penned an open letter to the premier, imploring him to "revisit the decision". </p> <p>The letter states, "We all remember the magnificent event that Sydney put on in 2000. Queensland deserves something equally spectacular, without a centrepiece that would reek of compromise." </p> <p>The letter was signed by 14 current and former Australian Olympians including Grant Hackett, Sally Pearson, Leisel Jones and more. </p> <p><em>Image credits: Today </em></p>

Money & Banking

Placeholder Content Image

Bold idea sees hotel offer thousands in cash back if it rains

<p>In a move that's making waves in the travel industry, a posh hotel in the heart of Singapore has rolled out a revolutionary offer: rain insurance. Yes, you heard it right – rain insurance!</p> <p>InterContinental Singapore, a sanctuary for jet-setters seeking respite from both the humidity and the occasional tropical deluge, has unleashed a game-changer for travellers. Dubbed the "Rain Resist Bliss Package", this offer promises to keep your spirits high even when the rain gods decide to throw a dampener on your plans.</p> <p>Picture this: you've booked your suite at this 5-star haven, eagerly anticipating your Singapore escapade. But lo and behold, the forecast takes a turn for the soggy, threatening to rain on your parade – quite literally. Fear not, dear traveller, for with the Rain Resist Bliss Package, you can breathe easy knowing that if your plans get drenched, your wallet won't.</p> <p>Now, you might be wondering, how does this rain insurance work? Well, it's as simple as Singapore Sling on a sunny day. If the heavens decide to open up and rain on your parade for a cumulative 120 minutes within any four-hour block of daylight hours (that's 8am to 7pm for those not on island time), you're entitled to a refund equivalent to your single-night room rate. The package is available exclusively for suite room bookings starting from $SGD850 per night – so that’s around $965 rain-soaked dollars back in your pocket, no questions asked. No need to jump through hoops or perform a rain dance – just sit back, relax, and let the rain do its thing.</p> <p>And fret not about having to keep an eye on the sky – the clever folks at InterContinental Singapore have got you covered. They're tapping into the data from the National Environmental Agency Weather Station to automatically trigger those rain refunds. It's like having your own personal meteorologist ensuring that your plans stay as dry as your martini.</p> <p>But hey, if the rain does decide to crash your party, fear not! The hotel has an array of dining options to keep your tastebuds entertained while you wait for the clouds to part. And let's not forget, Singapore isn't just about sunshine and rainbows – there are plenty of indoor activities to keep you occupied, from feasting at Lau Pa Sat for an authentic hawker experience to retail therapy at Takashimaya.</p> <p>And here's a silver lining to those rain clouds: fewer tourists! That's right, while others might be scrambling for cover, you could be enjoying shorter lines, less crowded attractions, and even snagging better deals on accommodations. Plus, let's not overlook the fact that the rain brings a welcome respite from the tropical heat, making outdoor adventures all the more enjoyable once the showers subside.</p> <p>So, pack your umbrella and leave your worries behind. With InterContinental Singapore's Rain Resist Bliss Package, you can embrace the unpredictable and turn even the rainiest of days into a memorable adventure. After all, as they say, when life gives you lemons, make Singapore Slings and dance in the rain!</p> <p><em>Images: InterContinental Singapore / Getty Images</em></p>

International Travel

Placeholder Content Image

Sunscreen: why wearing it even in winter could be a good idea

<p><em><a href="https://theconversation.com/profiles/karl-lawrence-404481">Karl Lawrence</a>, <a href="https://theconversation.com/institutions/kings-college-london-1196">King's College London</a></em></p> <p>Sunscreen has taken centre stage in many skincare routines, especially among those hoping to prevent visible signs of ageing. But while it makes sense to wear sunscreen every day in the summer when the sun’s rays are most powerful, many may wonder whether there’s any benefit of wearing sunscreen daily in the winter months.</p> <p>The sun’s radiation can reach us during all times of the year. This means that in both summer and winter, we are exposed to infrared radiation, as well as UVA and UVB rays.</p> <p>UVB is mainly responsible for sunburn and DNA damage – and can also <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC3709783/">cause skin cancers</a> as a result of long-term exposure. UVA radiation does contribute to these processes somewhat, but it’s less effective at doing so. UVA can penetrate deeper into the skin, however, which can damage the collagen – a key part of the skin that keeps it firm and elastic. This can cause the <a href="https://pubmed.ncbi.nlm.nih.gov/25234829/">skin to age faster</a>, leading to wrinkles, fine lines and changes in pigmentation.</p> <p>The amount of UVA and UVB radiation that reaches the Earth’s surface changes across the seasons. This is due to the angle of the Sun in the sky, as well as other factors such as latitude and time of day.</p> <p>For example, let’s compare how <a href="https://onlinelibrary.wiley.com/doi/full/10.1111/php.12422">UVA and UVB radiation varies</a> at solar noon in London, UK and Kuala Lampur, Malaysia (which is near the equator).</p> <p>In latitudes closer to the equator (such as in Kuala Lampur), the amount of UVA and UVB radiation throughout the year remains fairly consistent. But in higher latitudes, such as London, there’s almost no UVB radiation throughout the winter months – whereas there’s still some UVA radiation.</p> <p>Not only that, but people living further from the equator may tend to spend less time exposed to the Sun in winter due to the colder temperatures and variable weather. And when they do go outside, they may cover their skin up – usually leaving only their face exposed to the Sun for much shorter periods of time.</p> <p>But UVA radiation can still penetrate through clouds and windows. While our exposure to these rays is probably minimal, skin damage from UV exposure is <a href="https://www.sciencedirect.com/science/article/pii/S0079610706000162">accumulated over decades</a>, so anything that can be done to reduce exposure (and damage) over time may be beneficial. This is also true of UVB exposure – although it is less relevant in winter months at higher latitudes.</p> <p>This may be where daily sunscreen use during the winter is still of benefit. Sunscreens are formulated to reduce exposure to <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC6978633/">both UVB and UVA rays</a> – although they are usually more effective at reducing exposure to UVB radiation. They have been designed in this way to prevent the most damaging effects of the Sun, such as sunburn and DNA damage. The impact of exposure to UVA radiation has only been considered more recently.</p> <p>Numerous studies have shown regular sunscreen use over many years is effective at <a href="https://onlinelibrary.wiley.com/doi/10.1111/phpp.12109">preventing skin damage</a>, photoaging and skin cancers. The most robust trials suggest daily sunscreen use is most effective, but this will be dependent on the factors discussed above.</p> <h2>The effects of altitude and snow</h2> <p>One place where winter sunscreen use is especially important is when skiing or snowboarding – or when you’re otherwise going to be outside for extended periods of time, at higher altitudes on snow-covered mountains.</p> <p>Both altitude and snow can increase the doses of <a href="https://www.who.int/news-room/questions-and-answers/item/radiation-ultraviolet-(uv)">UVA and UVB radiation</a> a person receives. Snow can reflect up to 80% of UV radiation emitted by the Sun – effectively almost doubling the doses received. Also, for every 1,000-foot increase in altitude, there’s a 10% increase in UV exposure. This is why it’s essential to protect the skin and eyes by wearing sunscreen, protective clothing and sunglasses that block both types of UV ray. This is also true when spending time in snowy environments, such as when hiking or skating.</p> <p>Sunscreens are generally regarded as safe and tend to have few adverse effects, so you don’t need to worry too much about wearing one throughout the year. However, there are some points to consider, especially if you have skin conditions. For example, sunscreen can <a href="https://www.byrdie.com/does-sunscreen-cause-acne-or-help-it-7546147">exacerbate acne</a> and cause <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC7759112/">irritation and allergic reactions</a> – although these are rare.</p> <p>There are also emerging concerns from regulatory agencies about the <a href="https://jamanetwork.com/journals/jama/fullarticle/2759002">absorption of UV filters into the body</a>. However, the consequences of such absorption and the potential affects on health are not well defined and require more research.</p> <p>Still, the benefits of sunscreen have been widely demonstrated – as has their safety. So if you want to prevent premature signs of ageing, it’s important to use sunscreen at all times you may be exposed to the Sun – especially in the summer months. While the benefits of wearing sunscreen in winter are less well defined, there’s probably no harm in wearing one if you want to.</p> <p>If you decide to use sunscreen in winter, use ones that have broad spectrum five-star UVA protection. For day-to-day use, high SPF sunscreens are unlikely to provide a large benefit, particularly if spending only short periods outside. However, if skiing, a <a href="https://www.jaad.org/article/S0190-9622(17)31086-1/fulltext">high-SPF sunscreen</a> with five-star UVA protection would be beneficial.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><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/219640/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><a href="https://theconversation.com/profiles/karl-lawrence-404481"><em>Karl Lawrence</em></a><em>, Research fellow, <a href="https://theconversation.com/institutions/kings-college-london-1196">King's College London</a></em></p> <p><em>Image credits: </em><em>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/sunscreen-why-wearing-it-even-in-winter-could-be-a-good-idea-219640">original article</a>.</em></p>

Beauty & Style

Placeholder Content Image

“Completely tacky”: Bride slammed for asking for dinner payment

<p dir="ltr">A bride has caused a stir online after asking if it is appropriate to ask her wedding guests to pay for their meal when they RSVP to the big day. </p> <p dir="ltr">The woman took to a popular wedding Facebook page to ask the opinions of other brides, sharing an example of her invitation created by her wedding planner. </p> <p dir="ltr">The invitation asks guests to confirm whether or not they will be attending the nuptials, before asking if the guest intends to eat at the wedding ceremony, and which meal they would prefer. </p> <p dir="ltr">The price of each meal was also included: $20 for grilled chicken with rice, mashed potatoes and green beans and $25 for a salmon alternative.</p> <p dir="ltr">“We invite you to eat with us but ask for you to provide your own payment. Please select which meal you'd prefer,” the invite stated. </p> <p dir="ltr">“My wedding venue requires me to purchase food through them for the reception, but has said people sometimes choose this option,” the woman wrote on Facebook. </p> <p dir="ltr">“Nothing about my reception is very typical anyway, SO I'm wondering how insane or rude or cost-effective/smart this is.”</p> <p dir="ltr">“The planner set me this as an example of how to present it to guests.”</p> <p dir="ltr">But when the post was quickly criticised by others, the bride clarified the event was more of a “fun dinner party” rather than a “wedding” as she and her partner had already legally married five months prior. </p> <p dir="ltr">“Ultimately I'll do what I want BUT I did not choose this option. It was only a suggestion from the venue that I was curious about others' opinions on,” she added. </p> <p dir="ltr">“This is for the reception. I'm most definitely not asking for money or gifts and by the time they come to the reception, we will have already been married for five months.”</p> <p dir="ltr">The post was shared in another wedding shaming Facebook group and critiqued by dozens of wedding experts.</p> <p dir="ltr">“Oh hell no! This is completely tacky!” one wrote, another said, “So she asks if it is rude then gets offended when people say it's rude?”</p> <p dir="ltr">“I am a veteran pro planner and would NEVER suggest this!” another said. </p> <p dir="ltr">Someone else wrote, “I'm especially shaming the venue for suggesting that people often pawn off the cost of dinner to their guests. Encouraging rude behaviour.”</p> <p dir="ltr"><em>Image credits: Getty Images / Facebook</em></p>

Food & Wine

Placeholder Content Image

Why it’s a bad idea to mix alcohol with some medications

<p><em><a href="https://theconversation.com/profiles/nial-wheate-96839">Nial Wheate</a>, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a>; <a href="https://theconversation.com/profiles/jasmine-lee-1507733">Jasmine Lee</a>, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a>; <a href="https://theconversation.com/profiles/kellie-charles-1309061">Kellie Charles</a>, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a>, and <a href="https://theconversation.com/profiles/tina-hinton-329706">Tina Hinton</a>, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a></em></p> <p>Anyone who has drunk alcohol will be familiar with how easily it can lower your social inhibitions and let you do things you wouldn’t normally do.</p> <p>But you may not be aware that mixing certain medicines with alcohol can increase the effects and put you at risk.</p> <p>When you mix alcohol with medicines, whether prescription or over-the-counter, the medicines can increase the effects of the alcohol or the alcohol can increase the side-effects of the drug. Sometimes it can also result in all new side-effects.</p> <h2>How alcohol and medicines interact</h2> <p>The chemicals in your brain maintain a delicate balance between excitation and inhibition. Too much excitation can lead to <a href="https://www.medicalnewstoday.com/articles/324330">convulsions</a>. Too much inhibition and you will experience effects like sedation and depression.</p> <p><iframe id="JCh01" class="tc-infographic-datawrapper" style="border: none;" src="https://datawrapper.dwcdn.net/JCh01/1/" width="100%" height="400px" frameborder="0"></iframe></p> <p>Alcohol works by increasing the amount of inhibition in the brain. You might recognise this as a sense of relaxation and a lowering of social inhibitions when you’ve had a couple of alcoholic drinks.</p> <p>With even more alcohol, you will notice you can’t coordinate your muscles as well, you might slur your speech, become dizzy, forget things that have happened, and even fall asleep.</p> <p>Medications can interact with alcohol to <a href="https://awspntest.apa.org/record/2022-33281-033">produce different or increased effects</a>. Alcohol can interfere with the way a medicine works in the body, or it can interfere with the way a medicine is absorbed from the stomach. If your medicine has similar side-effects as being drunk, those <a href="https://www.drugs.com/article/medications-and-alcohol.html#:%7E:text=Additive%20effects%20of%20alcohol%20and,of%20drug%20in%20the%20bloodstream.">effects can be compounded</a>.</p> <p>Not all the side-effects need to be alcohol-like. Mixing alcohol with the ADHD medicine ritalin, for example, can <a href="https://www.healthline.com/health/adhd/ritalin-and-alcohol#side-effects">increase the drug’s effect on the heart</a>, increasing your heart rate and the risk of a heart attack.</p> <p>Combining alcohol with ibuprofen can lead to a higher risk of stomach upsets and stomach bleeds.</p> <p>Alcohol can increase the break-down of certain medicines, such as <a href="https://www.sciencedirect.com/science/article/abs/pii/S0149763421005121?via%3Dihub">opioids, cannabis, seizures, and even ritalin</a>. This can make the medicine less effective. Alcohol can also alter the pathway of how a medicine is broken down, potentially creating toxic chemicals that can cause serious liver complications. This is a particular problem with <a href="https://australianprescriber.tg.org.au/articles/alcohol-and-paracetamol.html">paracetamol</a>.</p> <p>At its worst, the consequences of mixing alcohol and medicines can be fatal. Combining a medicine that acts on the brain with alcohol may make driving a car or operating heavy machinery difficult and lead to a serious accident.</p> <h2>Who is at most risk?</h2> <p>The effects of mixing alcohol and medicine are not the same for everyone. Those most at risk of an interaction are older people, women and people with a smaller body size.</p> <p>Older people do not break down medicines as quickly as younger people, and are often on <a href="https://www.safetyandquality.gov.au/our-work/healthcare-variation/fourth-atlas-2021/medicines-use-older-people/61-polypharmacy-75-years-and-over#:%7E:text=is%20this%20important%3F-,Polypharmacy%20is%20when%20people%20are%20using%20five%20or%20more%20medicines,take%20five%20or%20more%20medicines.">more than one medication</a>.</p> <p>Older people also are more sensitive to the effects of medications acting on the brain and will experience more side-effects, such as dizziness and falls.</p> <p>Women and people with smaller body size tend to have a higher blood alcohol concentration when they consume the same amount of alcohol as someone larger. This is because there is less water in their bodies that can mix with the alcohol.</p> <h2>What drugs can’t you mix with alcohol?</h2> <p>You’ll know if you can’t take alcohol because there will be a prominent warning on the box. Your pharmacist should also counsel you on your medicine when you pick up your script.</p> <p>The most common <a href="https://adf.org.au/insights/prescription-meds-alcohol/">alcohol-interacting prescription medicines</a> are benzodiazepines (for anxiety, insomnia, or seizures), opioids for pain, antidepressants, antipsychotics, and some antibiotics, like metronidazole and tinidazole.</p> <p>It’s not just prescription medicines that shouldn’t be mixed with alcohol. Some over-the-counter medicines that you shouldn’t combine with alcohol include medicines for sleeping, travel sickness, cold and flu, allergy, and pain.</p> <p>Next time you pick up a medicine from your pharmacist or buy one from the local supermarket, check the packaging and ask for advice about whether you can consume alcohol while taking it.</p> <p>If you do want to drink alcohol while being on medication, discuss it with your doctor or pharmacist first.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><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/223293/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><a href="https://theconversation.com/profiles/nial-wheate-96839"><em>Nial Wheate</em></a><em>, Associate Professor of the School of Pharmacy, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a>; <a href="https://theconversation.com/profiles/jasmine-lee-1507733">Jasmine Lee</a>, Pharmacist and PhD Candidate, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a>; <a href="https://theconversation.com/profiles/kellie-charles-1309061">Kellie Charles</a>, Associate Professor in Pharmacology, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a>, and <a href="https://theconversation.com/profiles/tina-hinton-329706">Tina Hinton</a>, Associate Professor of Pharmacology, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</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/why-its-a-bad-idea-to-mix-alcohol-with-some-medications-223293">original article</a>.</em></p>

Body

Placeholder Content Image

7 simple wealth creation ideas for over 60s

<p>In today's world of rising costs and economic uncertainties, building wealth after the age of 60 might seem like a daunting task. However, it's essential to remember that it's never too late to take control of your financial future and explore innovative ways to boost your income and savings.</p> <p>The latest Retirement Standard from the super industry body ASFA reveals that singles aged 65-84 need an annual income of approximately $50,207 for a 'comfortable lifestyle' in retirement, while couples require a combined income of $70,806 per year. With the full age pension often falling short of these numbers, many seniors are seeking alternative ways to supplement their income during retirement.</p> <p>Let’s delve into some practical and achievable wealth creation ideas tailored to older Australians who are looking to secure their financial well-being in their golden years.</p> <ol> <li><strong>Intentional Spending</strong></li> </ol> <p>Cutting down on non-essential spending is a powerful way to save money. Review your discretionary expenses and identify areas where you can make reductions. For instance, consider cooking at home instead of dining out, exploring free or low-cost local activities for entertainment, and delaying the purchase of luxury items. Prioritise experiences that provide value without straining your budget.</p> <ol start="2"> <li><strong>Pressure Test Your Retirement Strategy</strong></li> </ol> <p>It's essential to regularly review your retirement plan, taking into account the evolving financial landscape, legislative changes, and opportunities to minimise costs. By doing so, you can maximise the funds under your control and make informed decisions that align with your retirement goals. Keep in mind that the financial world is dynamic, and staying proactive in managing your retirement assets can lead to a more secure and comfortable retirement.</p> <ol start="3"> <li><strong>Get rid of things you don't need by selling online</strong></li> </ol> <p>Embrace the digital age and leverage online marketplaces to turn your unneeded possessions into cash. If you're not tech-savvy, don't hesitate to enlist the help of your grandchildren or any trusted youngster who can guide you through the process. Selling items online not only declutters your living space but also opens up opportunities to supplement your retirement income. Embracing technology can be empowering and profitable at any age!</p> <ol start="4"> <li><strong>Part-Time Job Opportunities in the Gig Economy</strong></li> </ol> <p>Embrace the gig economy by exploring part-time job opportunities. Various platforms offer flexible work arrangements suitable for seniors, such as rideshare driving or food delivery services. These roles allow you to set your own hours and supplement your retirement income.</p> <ol start="5"> <li><strong>Freelancing or Consulting</strong></li> </ol> <p>Your years of experience and expertise are valuable assets. Consider venturing into part-time freelancing or consulting opportunities within your field. Many businesses are eager to hire experienced professionals for specific projects or advisory roles, providing an opportunity to boost your income without a full-time commitment.</p> <ol start="6"> <li><strong>Renting Out a Spare Room</strong></li> </ol> <p>If you have extra space in your home, consider renting out a spare room to short-term guests. Websites like Airbnb make it easy to find renters, providing a consistent source of income and helping to cover housing costs.</p> <ol start="7"> <li><strong>Compare and Save</strong></li> </ol> <p>Once you've reviewed your spending habits, identify areas where you can potentially save money by shopping around and obtaining comparison quotes. Renegotiating bills and subscriptions can also yield significant savings. Don't forget to review your insurance policies, adjusting the coverage and excess to potentially reduce premiums.</p> <p>Creating wealth in your golden years may seem challenging, but with the right approach and determination, it's entirely achievable. By exploring these simple and practical ideas, older Australians can take steps toward securing their financial future and enjoying a comfortable retirement. Remember that every financial decision should align with your individual circumstances and objectives. </p> <p>However, it's crucial to note that earning extra income during retirement can impact age pension payments. It can be worth seeking financial advice about the best way to increase income during retirement without compromising any other entitlements, so consider seeking professional guidance to make informed choices on your path to financial security, ensuring a comfortable and worry-free retirement.</p> <p><em><strong>Amanda Thompson, author of Financially Fit Women, is a sought-after speaker and qualified financial adviser.  As the founder of Endurance Financial, Amanda is driven to renew personal and confidence by providing the financial knowledge and guidance to have a great relationship with money allowing you to become your own CFO (Confident, Focussed &amp; On top of your Finances). For more information visit <a href="http://www.endurancefinancial.com.au">www.endurancefinancial.com.au</a></strong></em></p> <p><em>Image credits: Getty Images</em></p> <p><span style="color: #0b4cb4;"> </span></p>

Retirement Income

Placeholder Content Image

This is the healthiest time to eat dinner

<p><strong>When should we eat dinner?</strong></p> <p>Recent research highlights that the timing of our meals, particularly the last meal of the day, can significantly affect our health. The story is not merely about what we consume, but also about when we do so.</p> <p>The debate about dinner timing finds substantial scientific backing with a Brigham and Women’s Hospital (BWH) study published in Cell Metabolism in October 2022, suggesting that early dinners could have more health benefits than previously believed.</p> <p><strong>The science of early dinner</strong></p> <p>Senior author of the study, Dr Frank A. J. L. Scheer, Director of the Medical Chronobiology Programme in BWH’s Division of Sleep and Circadian Disorders, explained the study’s objective in a press release: “We wanted to test the mechanisms that may explain why late eating increases obesity risk.”</p> <p>The study defined an early dinner as a meal consumed three to four hours before bedtime, aligning with our body’s circadian rhythm. This time management allows the body to efficiently digest food, process nutrients, and smoothly transition into a fasting mode during sleep, facilitating essential restorative processes (and arguably better sleep, according to some experts).</p> <p><strong>The benefits of an early-bird dinner</strong></p> <p>The BWH study discovered stark differences in metabolic profiles of early and late diners. Early diners demonstrated lower blood glucose levels, improved fat-burning capacity, better sleep quality, and higher energy levels. Meanwhile, late dinners led to increased hunger, slower calorie burning, and elevated fat storage, posing risks for conditions like diabetes and cardiovascular disease.</p> <p>Further reinforcing these findings, a study published in Obesity Reviews examined the effects of energy intake distribution on weight loss. This systematic review evaluated nine randomised controlled trials and concluded that focusing on earlier energy intake resulted in significantly greater short-term weight loss. Alongside weight loss, improvements were observed in insulin resistance, fasting glucose and LDL cholesterol levels.</p> <p><strong>Implications and recommendations </strong></p> <p>These findings hold considerable implications for those dealing with health conditions like diabetes, thyroid issues, polycystic ovarian disease, and cardiovascular disorders. The studies spotlight the importance of early and light dinners, thus prompting a re-evaluation of our dinner schedules and meal planning.</p> <p>As first author Dr Nina Vujovic put it: “Does the time that we eat matter when everything else is kept consistent? And we found that eating four hours later makes a significant difference for our hunger levels, the way we burn calories after we eat, and the way we store fat.”</p> <p><strong>Tailoring dinner time to fit your schedule </strong></p> <p>The exact timing of dinner isn’t a one-size-fits-all scenario, as people’s routines vary widely. Nutritionist Maya Feller emphasises that our schedules – ranging from traditional nine-to-five to round-the-clock – are pivotal when considering “ideal” meal times. Therefore, finding a dinner time that seamlessly fits into your schedule is essential, rather than adhering to a strict, potentially unfeasible timetable.</p> <p>Dr Wendy Bazilian offers insightful tips for those whose routines may not accommodate an early dinner. She recommends consuming meals or snacks every three to five hours. This regular eating pattern can help stabilise blood sugar levels, preventing the onset of hunger pangs and energy lulls.</p> <p>Furthermore, it’s advantageous to leave a gap of two to three hours between your last meal and bedtime. This gap ensures your body has sufficient time for most of the digestion process – letting you get adequate rest and repair during sleep.</p> <p><strong>Health benefits</strong></p> <p>The takeaway from these studies is clear: an earlier dinnertime might confer multiple health benefits, from metabolic health enhancement to improved sleep quality. It’s time to reconsider not just the contents of your plate, but also the clock.</p> <p>As research grows, it’s becoming apparent that understanding the interplay between our eating habits, their timing, and the body’s internal clock should be an integral part of our health strategies. After all, leading a healthy lifestyle isn’t solely about counting calories but also understanding when and how to fuel our bodies.</p> <p><em>Image credits: Getty Images</em></p> <p><em>This article originally appeared on <a href="https://www.readersdigest.com.au/food-home-garden/this-is-the-healthiest-time-to-eat-dinner" target="_blank" rel="noopener">Reader's Digest</a>. </em></p>

Food & Wine

Placeholder Content Image

Readers respond: What did your mum or dad make for dinner growing up that you haven't had in ages?

<p>Sometimes love and affection comes in the form of food, especially when it’s made by our parents.</p> <p>As we grow older and start our own lives we begin to miss the things we got used to as we grow up, especially the food our parents made. </p> <p>Here are some dishes our Over60 readers grew up with that they miss dearly. </p> <p><strong>Keralie Stack </strong>- Mums apple pie, lemon meringue pie. Beautiful meat and kidney pies. Roasted meat in winter cooked in the fuel stove , along with a big pot of pea and ham soup in winter, followed with damper and scones for dinner</p> <p><strong>Peter Lord</strong> - Mums meat and potato pie! I’ve made it and it’s not bad but it’s nowhere near as good as mum’s!</p> <p><strong>Lee Pavey</strong> - A big roast dinner with roast veges &amp; gravy made with the juices of the meat. </p> <p><strong>Jenny Yaun</strong> - In my young 8 years old Living in Indonesia I loved Mum's Nasi Goreng made with tin corn beef, I still make now and again. I'm Dutch/Australian</p> <p><strong>Marie Manson </strong>- Dads fabulous vege soup..</p> <p> </p> <p><strong>Dawn Holmes</strong> - Triple and onions!!! Can't say I miss it but they liked it!! But then mum was a great home cook with her baked goods and tasty soups and stews!!</p> <p><strong>Jennifer Sabatino</strong> - Shepherd’s Pie made with leftover lamb from the Sunday roast and apple sponge (apples with the sponge baked on top), baked custard, baked rice custard and bread &amp; butter pudding.</p> <p><strong>Kathy Bloor</strong> - Mince on toast. I have never made it for myself and I am 70</p> <p><strong>Keith Carter</strong> - I haven't had PLOT TOFFEE FOR 65 years. Just got the recipe from my 86 yo sister. So now thats the go.</p> <p><strong>Lorna Turner Prunes</strong> - and custard. I still cook all the foods my mum and dad cooked except for prunes and custard.</p>

Food & Wine

Placeholder Content Image

Returning and Earning for your community

<p>Charities and community groups across NSW are cashing in empty drink containers to support their important work in the community, all with the added benefit of helping the environment. It’s an easy win-win to fundraise through Return and Earn, and it makes donating to a local charity or community group very easy.</p> <p>Return and Earn is the incredibly successful container deposit scheme in NSW, where 10 cents is refunded for every eligible drink container returned for recycling through the network of 600+ return points across the state.</p> <p>Since launching over five years ago, <a href="https://returnandearn.org.au" target="_blank" rel="noopener">Return and Earn</a> has become an important and well used channel for charities and community groups fundraising to support a range of local and broader causes. Groups such as Rotary and Lions Clubs, animal rescue organisations, and fire and rescue services are just a few of the many different cohorts that have partnered with Return and Earn and relied on the generosity of NSW citizens to help them do vital work in their communities.</p> <p>“We’ve seen many groups really embrace the scheme, showing a humbling passion for giving back to the community – whether it’s to help fund an event for a local club, or to donate to a charity,” said Danielle Smalley, CEO of scheme coordinator, Exchange for Change.</p> <p>“Some of these groups have raised a lot of money from recycling drink containers through Return and Earn. Often local residents and businesses are handing over their containers or donating their refunds to support the cause, proving there is enormous goodwill in the community.”</p> <p>The Gerringong Lions Club recently celebrated one million containers collected, raising $100,000 that was donated to a variety of causes including medical research, local sporting facilities, as well as helping both Australian and oversees Lions Clubs provide relief during catastrophes.</p> <p><img class="alignnone size-full wp-image-67811" src="https://www.readersdigest.com.au/wp-content/uploads/2023/06/Gerringong-Lions-Club-image-2-for-article-2_RD.jpg" alt="" width="770" height="500" /></p> <p><em>The Gerringong Lions Club are now raising around $20,000 each year.</em></p> <p>The COVID shutdowns and restrictions put a halt to the activities that would normally bring funds to the club. Return and Earn was the only means for the club to generate an income to help the community during this time.</p> <p>As routine users of the scheme, the Gerringong Lions Club are now raising around $20,000 each year, all the while making positive impacts to the environment.</p> <p>Bruce Ray is a past president and active member of the club, and says he gets a sense of satisfaction knowing they are helping the community while also looking out for the environment.</p> <p>“We have the bins at the hotel, the bowling club, and campgrounds. The club also provides the container collection bins for events such as weddings and uses them at local New Years’ Eve events,” said Mr Ray.</p> <p>In Cobar, the local Rotary Club is also using Return and Earn to support the work in their community. They partnered with the local Girl Guides who help the club sort through any drink containers collected. They’ve now raised more than $25,000 since they began in early 2020.</p> <p>Club Secretary Gordon Hill said that one of the benefits for the Girl Guides is the real-world experience in seeing how much locally created waste can be recycled.</p> <p>“It also provides a healthy opportunity for a challenge to see which girls can pack the most containers during a 1.5 to 2 hour session. The record currently stands at 3,080, but the challenge continues,” Gordon added.</p> <p><img class="alignnone size-full wp-image-67813" src="https://www.readersdigest.com.au/wp-content/uploads/2023/06/Cobar-Rotary-Club-image-for-article-2_RD.jpg" alt="" width="770" height="500" /></p> <p><em>In Cobar, the local Rotary Club has partnered with the Girl Guides to help with sorting!</em></p> <p>Since Return and Earn launched in December 2017, over $42 million has been raised through donations and return point hosting fees. The funds have made a significant difference to individuals and groups who have received the support.</p> <p>“There are a lot more collection drives in the community that we don’t track, so the total fundraising amount is in fact even higher,” Ms Smalley said.</p> <p>“We encourage all our Return and Earn users to consider donating containers to a local charity or community group either at the nearest Return and Earn machine or using the Return and Earn app.</p> <p>“And if you’re a member of a group looking for an easy and effective way to fundraise, consider Return and Earn where you can double the benefit by raising funds while also helping the environment.”</p> <p>Every Return and Earn machine features a local donation partner, to whom users can donate part or all of their refunds to. The charity listed changes every six months to give as many groups as possible the opportunity.</p> <p>Charities and groups can also elect to be listed on the Return and Earn app, allowing anyone using the app at a machine or automated depot to donate direct to their favourite charity. There are currently over 170 charities featured on the app.</p> <p>When using a Return and Earn machine, select donate, then select which of the charities listed you want the funds to go. If you’re using the Return and Earn app, simply select donation as your payout option and then select the charity or group you would like to donate your refund to.</p> <p>“Contributions don’t need to be big to make a difference. It can be as easy as collecting a few eligible drink containers and donating them to a charity, helping local communities thrive while looking after the environment.” said Ms Smalley.</p> <p>For more information on donating through Return and Earn visit <a href="https://returnandearn.org.au/donate/" target="_blank" rel="noopener">returnandearn.org.au/donate/</a></p> <p><em>Images: Supplied</em></p> <p><em>This is a sponsored article produced in partnership with Return and Earn.</em></p>

Money & Banking

Placeholder Content Image

10 ways to stay sane on a flight delay

<p>Flight delays seem to be a part of air travel today, so you’ll need some innovative ways to fill your time. Here are 10 ideas to pass time at the airport (without having to pull your smartphone out of your pocket).</p> <p><strong>1. Explore the city</strong></p> <p>Depending on how long your delay is (and how close the airport is to town), you might be able to get out and have a quick look around. Many airports even offer free bus tours for passengers that will take them past all the major sites.</p> <p><strong>2. Or explore the airport</strong></p> <p>Airports aren’t what they used to be. In fact, many are practically cities in their own right! Have a look around and you will be amazed what you can find – movie theatres, spas, gardens, libraries, playgrounds and more.</p> <p><strong>3. Grab something to eat</strong></p> <p>Would you believe that celebrity chefs like Gordon Ramsey, Jamie Oliver and Wolfgang Puck now operate airport restaurants? The quality of food in airports has increased dramatically over recent years, so you can spend your time on a great meal.</p> <p><strong>4. Take a nap</strong></p> <p>This will depend on how comfortable you are with sleeping in public, but most airports have a lot of quiet hidey holes that you can seek out. Use your carry on or your coat as a pillow, set your alarm (you don’t want to miss your flight) and catch a few Zs.</p> <p><strong>5. Buy a new book</strong></p> <p>Airports reliably have great bookstores, so grab yourself the latest bestseller or a classic you’ve always wanted to read and settle in for the wait. We think that time spent reading is never time wasted.</p> <p><strong>6. Do some exercise</strong></p> <p>Plane travel means sitting still in a small space for hours at a time, so take this opportunity to get moving. This can be a simple walk around the terminal or outside, or you can find a quiet space and do some stretching. Some airports even have gyms, yoga rooms or jogging tracks for passengers to use. </p> <p><strong>7. Hit the shops</strong></p> <p>Frustrated at the delay? Retail therapy can do wonders for your mood. Airports are a great place to get new release makeup or perfumes, high tech electronics or fashion accessories like handbags and sunglasses at a great price.</p> <p><strong>8. Splurge on lounge access</strong></p> <p>At a number of airports you can pay a relatively small fee (usually less than $50) and access one of the exclusive priority lounges. Facilities will vary, but you can expect free food and drinks, wi-fi, televisions, books and magazines, and showers. Think of it as a little treat for having to put up with a delay.</p> <p><strong>9. Find the airport hotel</strong></p> <p>If your delay is going to be a long one, it might be worth checking into the airport hotel for a few hours. Many will offer special rates for a day or part thereof, so for a reasonable price you can have a shower, watch some TV and even have a nap in a proper bed.</p> <p><strong>10. Meet new people</strong></p> <p>Remember when we used to be able to strike up conversations with people in real life? Without the aid of a smartphone? Now’s a great time to bring it back. Others from your flight will be in the same position as you, so you’ve already got some common ground.</p> <p><em>Image credit: Shutterstock</em></p>

Travel Tips

Placeholder Content Image

A guide to pairing wine and food

<p>When it comes to selecting wines for to go with your meals, there are no absolute rules – the only expert opinion that matters is your own. That said, there are definitely choices that pair better with certain dishes.<br />  <br />Pairing wines to a rich, complicated supper is not as difficult as it may seem. In fact, choosing wines to go with your winter meals can be among the most enjoyable and more relaxing stages in planning the dinner. At a minimum, you want to provide refreshment – water and wines – that flatter the meal's flavours. In many cases, a good-quality, medium-bodied red wine is a great choice with a lot of winter dishes. <br />  <br />Welcoming guests and relatives with flutes of crisp, sparkling wine always creates a nice sense of occasion, whether your hors d'oeuvres are just some biscuits and dips or a lavish selection or meat and cheeses. And if you’re thinking of serving bubbles throughout an entire meal, you might be onto something. Although a soup or shellfish starter might be its ideal partner, the sparkling's bubbly assertiveness allows it to hold its own with more robust dishes. <br /> <br />A traditional roast dinner – a popular meal choice in winter – that comes with baked vegetables, tests the liveliness of a single wine, and so often it makes sense to offer two or more that way guests can sip from whichever glass suits what they are eating.<br />  <br />A red wine made substantially from pinot noir grapes is a fine partner for the distinctive taste of dark meat, and the black cherry-like character of many pinot noirs, will evoke the yummy berry, rich sauces that are popular throughout the cooler months of the year. With the broad range of flavours in your meals, you may want to consider introducing maturity and complexity in your wines. Try either the sun-baked earthiness you find in an shiraz or a rioja, or a hint of mellow age, such as that found in many wines older than four or five years.<br />  <br />A well-crafted white wine can be a star of a winter dinner table, especially if it picks up on the citrus tones that are often present in sauces and garnishes of meals. Rich, concentrated white wines, such as a viognier or a chardonnay, with higher alcohol and a wisp of butterscotch sweetness, can enhance white meat. If the white is elegant and floral enough, it can be the perfect chaser for more herbal dishes, too.<br />  <br />With very little legwork, you can find wines like these in every price range, so once you’ve decided on your menu and before you commit to certain wines, sample a few options.</p> <p><em>Image credit: Shutterstock</em></p>

Food & Wine

Placeholder Content Image

Super simple cake decorating ideas

<p>Whether you’re making a cake for a special occasion or simply want to create something extra fancy for a family dinner, you’d be surprised how easy it can be to decorate a cake into something fit for a cooking show. Whether it’s using a few store-bought meringues, slicing up some strawberries or using your favourite biscuits to make a balloon feature, you’ll never make a plain old cake again after reading our super simple cake decorating ideas.</p> <p><strong>Meringue on the mind</strong><br />For an effective alternative to piped-frosting rosettes or expensive store-bought edible roses, opt for some mini meringues from the supermarket. Use them around the edge of the cake for a simple yet stylish finish that packs a crunchy punch.</p> <p><strong>Up, up and away with cookies</strong><br />Whether you want to make biscuits of your own or buy your favourite biccies from the shop, once you’ve iced your cake arrange a cluster of biscuits nearer to one end of the cake and use liquorice shoestrings (or another thin long lolly of your choosing) to form the balloon strings coming from the biscuits. You may want to knot the strings for extra detail. Another tip you may want to use is, if your biscuits are on the plan side, cover them in different colour frostings and then decorate them with colours sprinkles.</p> <p><strong>Strawberry fields</strong><br />Sometimes things in your very own fridge make the perfect cake decorations. Strawberries not only taste delicious and fresh, their vibrant colour makes them an eye-catching decoration. Thinly slice one punnet of fresh strawberries. Starting from the outside perimeter, place a ring of strawberries around the cake, pointed facing out. Continue layering rings around the cake until you reach the centre.</p> <p><strong>Shaved Chocolate</strong><br />For all the chocoholics out there, this one’s for you. A decadent way to decorate a cake is with shavings of chocolate. If you’re worried you won’t be so good at making your own shavings, some stores do sell them. You can mix and match milk, white and dark chocolate and even throw in a few different flavours – think orange, mint or chilli chocolate. While there are many ways you can arrange the shavings, the circular, ring-type layering described above in strawberry fields works well.</p> <p><strong>Spotty dotty</strong><br />Polka dots are all the rage and white frosting dots on a cake that has been iced in a pale colour, will look extremely lovely. For neatly piped dots, you’ll want to use a pastry bag. Hold the pastry bag in both hands; keep the tip just above the cake's surface, at a slight angle. Gently squeeze out icing, release, and pull back. Frosting dots will also help to hide smudged edges or spotty icing. You can either use different size dots or big and small ones. But whatever you do, start with the large ones.</p> <p><em>Images: Getty</em></p>

Food & Wine

Placeholder Content Image

21 organising tips you’ll wish you knew all along

<p><strong>The best organising ideas</strong></p> <p>For many, organising is something that gets put off for months, but if you stay organised from the start and follow these tips, home organisation might not be such a daunting task. Learning how to organise from the start might be a lifestyle change, but in the end, it’s worth it. Read on to learn the best organising tips from the pros. </p> <p><strong>Before you can get clutter out, you have stop it from coming in</strong></p> <p>“The first step to winning the battle against clutter is to control what comes into your home. Unsubscribe from junk mail and catalogues you do not read. Stop shopping in bulk and buying non-necessities. Once the incoming flow of stuff and papers slows down or stops, you can focus on decluttering and organising what you have.” —Joanna Monahan, chief of external communications for Major Organisers.</p> <p><strong>Channel Alice in Wonderland with an “Eat Me First!” fridge bin</strong></p> <p>“Most households generate a lot of food waste, but you can cut it down just by having a dedicated – and labelled! – place in the fridge for leftovers and food that needs to be eaten quickly. This way the food actually gets eaten and you will be aware of what you have to buy soon.” —Lauren Haynes, expert in home organising and maintenance at Star Domestic Cleaners.</p> <p><strong>Keep your “ice” on ice</strong></p> <p>“Ice cube trays placed inside a drawer can really help you store and organise all kinds of little things that can easily get lost. They’re perfect for small pieces of jewellery, paper clips, or craft supplies.” —Lauren Haynes</p> <p><strong>Kid’s clock and schedule, all in one</strong></p> <p>“To structure your kid’s daily routine, get a simple white-faced clock and use different markers to colour the time segments for each activity like sleeping, bath time, or doing homework. Attach an activity list under the clock and you can keep your kid on schedule and on time.” —Lauren Haynes</p> <p><strong>See shapes, not things</strong></p> <p>“If you have groups of items that are shaped similarly (ie shoes in the bedroom or martini glasses in the kitchen), look at how to fit the shapes together instead of fitting the items. For example, if you are using shoe cubbies, put the shoes toe to heel instead of side by side. This way you can fit a pair of high heels in one cubby instead of two. You’ll be surprised how much more you can fit in a space when you look at shapes.” —Schae Lewis and Bahar Partow, co-founders of Mission 2 Organise LLC</p> <p><strong>Forget the Pinterest projects</strong></p> <p>“Being organised doesn’t have to be about being super creative or crafty like you often see online. For instance, you have probably seen the ‘trick’ to get 20 mason jars and glue the tops to the underside of a shelf, making cute storage for small items. But that’s a lot of work! And for what? Is that really making your life easier? I always tell my clients to look for the easiest solution to your organising problems, not the most creative.” —Alissa Dorfman, personal organiser and owner of Alissa Dorfman Home Organising</p> <p><strong>Hook a kid up</strong></p> <p>"When you have kids, always use hooks for their daily use items like coats and backpacks, rather than using hangers. Many kids lack the motor skills to get a coat on a hanger. Make sure the hooks are low to the ground so that the kids can reach them.” —Stacy Erickson Edwards, professional organiser with Home Key Organisation</p> <p><strong>Ditch dressers</strong></p> <p>“Instead of a traditional dresser, try a shelf with bins on it instead. This way, clothes don’t always have to be perfectly folded to close a drawer. Bonus: It will be easier for kids to put away their own clothes.” —Stacy Erickson Edwards</p> <p><strong>Skip the shoe rack</strong></p> <p>“Shoe racks are flimsy and rarely have enough space for all the shoes in a home, so use a bookcase instead.” —Stacy Erickson Edwards</p> <p><strong>Don’t forget to clear out digital clutter</strong></p> <p>“Digital clutter can be just as burdensome as physical clutter. To cut down on this, shut off automatic download of messages and start fetching emails only when you’re ready to deal with them. Also, set up a secondary email account for things like newsletters and promotional mail. Use an e-mail sorting system. Take five minutes every so often to clear out your pictures, text messages, music and other electronic files on a regular basis. Set up a recurring appointment on your phone calendar to remind you.” —Maura Thomas, founder of regainyourtime.com and author of Personal Productivity Secrets</p> <p><strong>Have an electronics hub in every room</strong></p> <p>"Have a place for all your mobile electronics, like iPads and phones, in every room you spend time in, not just in the kitchen or office. Since electronic items tend to move from room to room, having just one place in the home to store them doesn’t really work. Make the storage method fit each room. For instance, round baskets or an ottoman with storage can sit on the floor next to couches; decorative bowls or boxes function well on table tops; and magazine holders work in a tight space. Keep each station stocked with the necessities like different chargers, remotes and earphones.” —Jeffrey Welder of Vänt Wall Panels"</p> <p><strong>Play the matching game</strong></p> <p>“Start small, with one room or even just one drawer. Then empty everything out of the space and sort it into categories, grouping like items together. Once you see how much of each type of thing that you have, it will be easier to get rid of duplicates.” —Joanna Monahan</p> <p><strong>Use a zone defence against clutter</strong></p> <p>“Designate one place in your home, called a zone, for each category of items. For instance, have only one place for office supplies, one place for sports equipment, one place for shoes, and so forth. Clearly label each zone to help you and your family know where to look for [items] and to return items to their proper homes.” —Joanna Monahan</p> <p><strong>Pick one of four destinations</strong></p> <p>“It isn’t enough to pull out all the stuff you just don’t need. Purge it from your home by either trashing it, recycling it, thrifting it, or consigning it. This will help you become more mindful about what you really need.” —Evan Zislis, professional organiser and author of ClutterFree Revolution: Simplify Your Stuff, Organise Your Life & Save the World</p> <p><strong>Your stuff should support your life goals, not the other way around</strong></p> <p>“You need to clarify what is really important to you. Then organise the stuff that supports who you want to be and what you want to do before you’re dead and gone.” —Evan Zislis</p> <p><strong>Freebies aren’t free</strong></p> <p>“Just say no to free pads of paper, branded items, and other things you pick up at conferences, schools, or store events. Those items usually result in unused clutter around your house. Also say no to buy-one-get-one-free deals and bargains at the store too. Really, when are you ever going to use up six boxes of staples? And storing them isn’t free.” —Sara Skillen, Certified Professional Organiser</p> <p><strong>Your refrigerator is your biggest cupboard</strong></p> <p>“The refrigerator is one of the most frequently used ‘cupboards’ in the home, yet it is often forgotten when it comes to getting organised. Eliminate ‘lost’ food in the back by placing a lazy Susan at the rear of shelves to make rear spaces more functional and the items stored there, such as condiments, more accessible and usable. In addition, store food in clear glass standardised storage containers. When you can see the food, you are more likely to eat it.” —Debra Baida, owner of Liberated Spaces</p> <p><strong>Make storage fun</strong></p> <p>“For long-term results, design spaces with style and vibrancy, flexibility and function. This will give you the inspiration you’ll need to maintain your newly organised systems. In other words, make it fun and pretty!” —Evan Zislis</p> <p><strong>Start organising your kitchen with the pantry</strong></p> <p>“How many times have you gone to the store and wondered if you had pasta at home in your pantry? You’re not sure, so you buy another box, only to get home and find you have 20 already. To avoid this dilemma, pull everything out of your pantry and trash it if it’s expired. Donate unopened items you don’t like to a food bank. Then put your stuff back in but label your shelves with a name under each item. Only put foods on their designated shelf and you will never have to wonder how much pasta you really have.” —Alissa Dorfman</p> <p><strong>Start organising your bedroom with the dresser</strong></p> <p>“If you have an overflowing drawer, consider expanding it to two drawers, until every drawer can close. Next, narrow down how many types of things are in the same drawer. Only bras and underwear should have to share space. Lastly, move out-of-season or excess items into under-bed storage. —Alissa Dorfman</p> <p><strong>Organise toys by age</strong></p> <p>“How old are your kids? Do their toys reflect that? As kids grow, their toys change shape. In the beginning, everything is big and chunky with fewer pieces. A few years down the road, everything is teeny and collectible and kills if you step on it. Your playroom should reflect the ages of your kids and have different ways of organising the distinctly different toys. Use bins and Ziplock bags for all the little pieces, labelled so kids know which is for which. Communal areas, like dress-up and kitchen, should have big bins so clean-up is easier. Puzzles and board games should have a shelf, but make sure they too are separated by age, so each kid knows which area has their age-appropriate toys. Encourage taking out one thing at a time and remind them ten minutes before a playtime ends to clean up. You may have to help at first, but once your children know where every toy belongs, they are more than capable of cleaning up on their own.” —Alissa Dorfman</p> <p><em>Image credit: Shutterstock</em></p> <p><em>This article originally appeared on <a href="https://www.readersdigest.com.au/food-home-garden/home-tips/42-organising-tips-youll-wish-you-knew-all-along" target="_blank" rel="noopener">Reader's Digest</a>.</em></p>

Home Hints & Tips

Placeholder Content Image

What to eat when you have COVID – and why reaching for the chicken soup is not a bad idea

<p>Got COVID? Again?</p> <p>Deciding what to eat can be mentally taxing, especially when you are not feeling well. However, our diet plays a role in preventing and managing poor health, including COVID.</p> <p>Having a healthy diet is associated with a <a href="https://gut.bmj.com/content/70/11/2096">reduced risk of COVID</a>. And, if you do have COVID, a healthy diet is associated with <a href="https://gut.bmj.com/content/70/11/2096">milder symptoms</a>.</p> <h2>What should I eat during COVID infection?</h2> <p>When we are sick it can be challenging to even think about food. However, the best way to fight the infection is by providing your body with foods that best support you to <a href="https://www.emro.who.int/nutrition/covid-19/nutrition-advice-for-adults-during-the-covid-19-outbreak.html">heal</a>.</p> <p>Fresh fruit, vegetables, whole grains and various forms of protein are broken down into substances by the body to support your immune system. </p> <p><a href="https://www.eatforhealth.gov.au/guidelines/australian-guide-healthy-eating">The Australian Guide to Healthy Eating</a> suggests we eat a variety of fresh foods every day including:</p> <ul> <li> <p>two serves of fruit and five serves of vegetables</p> </li> <li> <p>whole grains, such as wholemeal pasta, brown rice or wholemeal bread</p> </li> <li> <p>healthy fats, such as avocado or olive oil </p> </li> <li> <p>meat and meat alternatives (such as lean beef, chicken, tofu or legumes) and dairy (such as cheese or milk). </p> </li> </ul> <p>Eating these kinds of foods every day helps provide our body with the nutrients required to fight infections and remain healthy. </p> <p><a href="https://doi.org/10.3390/nu10050587">Avoiding processed and ultra processed foods</a> is also encouraged due to the high levels of salt and sugar and lack of nutrition found in these types of foods.</p> <h2>What about chicken soup or similar?</h2> <p>A great way to get all the nutrition your body requires when sick with COVID is through homemade chicken soup, chicken avgolemono, chicken congee or other similar dishes. </p> <p>Why? Here are four good reasons:</p> <p>1. It’s easy and cheap to make</p> <p>The great thing about chicken soup is you can pop it in one pan (or into a slow cooker), throw all the ingredients in together and let it simmer away. </p> <p>While the ingredients in chicken soup pack a powerful nutritional punch, they don’t cost the Earth.</p> <p>2. It’s easy to absorb</p> <p>The boiling process releases the <a href="https://doi.org/10.3390/foods10071456">nutritional elements</a> found in the ingredients and aids in digestion and absorption of these vital nutrients. </p> <p>3. It’s full of vitamins and minerals</p> <p><a href="https://scuj.journals.ekb.eg/article_119478.html">Essential vitamins and minerals</a> found in chicken soup include: iron, magnesium, sodium, potassium, calcium, chromium, copper, zinc, vitamin A, vitamin C, vitamin B6 and vitamin B12. </p> <p>4. It’s flavoursome and powerful</p> <p>The tasty flavour of chicken soup is enhanced by the <a href="https://doi.org/10.1080/10942912.2017.1291678">seventeen different amino acids</a> found in chicken soup. These amino acids also provide strength for your <a href="https://pubmed.ncbi.nlm.nih.gov/17403271/">immune system.</a></p> <h2>Nutrition can support immune health but it’s not the only answer</h2> <p>The best way to treat and manage a COVID infection is to avoid it in the first place. So remember to practise good hygiene, like washing your hands regularly, and maintain your recommended <a href="https://www.health.gov.au/our-work/covid-19-vaccines/advice-for-providers/clinical-guidance/clinical-recommendations">vaccine schedule</a>. </p> <p>Practising a healthy lifestyle will also reduce your risks of not only contracting COVID, but also developing chronic disease. This includes not smoking or vaping, maintaining healthy physical activity habits, getting enough sleep and reducing alcohol consumption. </p> <p>The current <a href="https://www.health.gov.au/news/australian-alcohol-guidelines-revised#:%7E:text=To%20reduce%20the%20risk%20of,risk%20of%20harm%20from%20alcohol.">recommendation</a> for maximum alcohol intake is ten standard drinks in one week, and no more than four standard drinks in one day. </p> <h2>Don’t forget to drink plenty of water</h2> <p>Water is <a href="https://health-study.joinzoe.com/post/how-much-fluid-should-i-drink-if-i-have-covid-19">crucial</a> when you’re sick. </p> <p>Being dehydrated can enhance symptoms of colds and infections, including COVID. It is also associated with a higher risk of developing <a href="https://ccforum.biomedcentral.com/articles/10.1186/s13054-022-04203-w">long COVID</a>. </p> <p>Aim to drink at least two litres of water per day, even more if you have a high body weight or have been losing fluids through vomiting or sneezing/runny nose.</p> <p>If you don’t feel like having plain water, there are many healthy alternatives such as tea, broth or soup.</p> <h2>Let’s remember to eat healthy anyway</h2> <p>Eating a healthy and balanced diet is an important part of maintain good health and vitality.</p> <p>Getting caught up in fads or buying supplements can be expensive and there is <a href="https://theconversation.com/dont-listen-to-gwyneth-paltrow-ivs-are-not-a-shortcut-to-good-health-202621">controversy</a> around their effectiveness. </p> <p>In the long run, eating healthy will make you feel better and save you money.</p> <p><em>Image credits: Getty Images</em></p> <p><em>This article originally appeared on <a href="https://theconversation.com/what-to-eat-when-you-have-covid-and-why-reaching-for-the-chicken-soup-is-not-a-bad-idea-202338" target="_blank" rel="noopener">The Conversation</a>. </em></p>

Body

Placeholder Content Image

Kitchen organisation ideas you’ll wish you knew sooner

<h2>The benefits of keeping your kitchen neat</h2> <p>They say everything has its place and this was never more true than in the kitchen. An organised kitchen can save time, prevent food waste, and let’s face it, it’s a lot more attractive and cheaper than renovating. With the help of a few experts, we put together kitchen organisation ideas and helpful tips to organise your kitchen cupboards, clean up your kitchen counters, pantry organisation ideas, and more. The best part? Most of these kitchen organisation tips are fast, easy, and free or inexpensive, to implement.</p> <h2>Purge your drawers and cabinets</h2> <p>Maybe you loved the idea of a juicer but only ever eat toast for breakfast. Or you used to be into baking but now you’ve put your focus into healthy meals. The top kitchen organisation idea is to stop thinking about the stuff, and start thinking about your life and how you want to live, says Laura Cattano, professional organiser and founder of Organisational Design. “If it’s not adding to your life, it’s directly taking away from it because it’s taking space away from something else.”</p> <h2>Group by need, not by item</h2> <p>You might keep your masher and microplane grater by the stove with other long-handled items like cooking spatulas, but that’s not the most convenient setup. “There are three things that happen in the kitchen: prep, cook, and serve,” says Cattano. “The best thing is to zone out your kitchen by those categories.” You might keep your spatulas by the stove, but your potato masher belongs near your countertop and big bowls. Take it a step further by asking exactly when you use each item. For instance, there’s no reason your mugs need to be by your water glasses, but putting them next to the coffee maker will save you from running all over your kitchen in the morning, says Cattano.</p> <h2>Set up a drop zone by the door</h2> <p>“The kitchen is still one of the first places we go when we enter a home,” says Maeve Richmond, founder and coach of organising company Maeve’s Method. “All the stuff of life that comes in the door accumulates in the kitchen.” To keep your meal space from becoming a catchall for your handbag, wallet, and gym bag, Richmond recommends setting up a “drop zone” by your door to set those things as you’re walking in. You might make it a permanent home for your wallet and keys, and a temporary place to drop your workout gear while you’re putting away groceries.</p> <h2>Make a place for mail</h2> <p>Taking just five minutes to go through your mail daily or every other day will keep that pile of papers under control so you don’t lose documents in the shuffle when you actually do need them. “The mail just keeps coming,” says Jodie Watson, founder and president of Supreme Organisation. “Keep trimming it down so you’re not losing items in the mix.” Instead of leaving it by your eating space, designate an area that has a basket for papers, and hang a bulletin board to write messages and reminders, she says.</p> <h2>Adjust the height of your shelves</h2> <p>Don’t let your shelf height define how you use your space. People tend to put cereal on a top shelf because that’s the one with the most space, but it’d be easier to reach on a lower shelf, says Watson. On the other hand, too much space for canned goods and you’ll probably start stacking items into an ugly, unstable pile. If your shelves aren’t already adjustable, buy shelf dividers to split one shelf into two, says Richmond. “Re-spacing the shelves takes away the messiness because things aren’t stacked,” says Richmond.</p> <h2>Store small appliances you don’t use on a daily basis</h2> <p>Feel free to leave appliances you use daily, like a coffee maker or toaster, on the counter. But anything you aren’t using every day should be stored in a cabinet to make more room on the counter. “Nobody likes to have to put the appliance away, but balance that against the precious countertop space,” says Richmond. “There’s the convenience of having it out, but it’s more convenient to be able to chop more vegetables or have a cleaner space.”</p> <h2>Keep your cooking utensils within reach</h2> <p>Store your spatulas, servings spoons, etc next to the stove in an attractive ceramic container or jar. But don’t overstuff it, cautions Cattano. “Not every single cooking utensil needs to be right by the stove,” says Cattano.  Leave out the ones you use most often, but hide the rest in a drawer.</p> <h2>Buy only what you need</h2> <p>If you find yourself leaving food out simply because you don’t have room in a cupboard, it might be time to start cutting down. “We want to save money, and it’s good to buy in bulk, but if you don’t have space for it, changing the way you shop might be more helpful,” says Watson. She recommends first going through your pantry to take stock of what you already have. Then head to the supermarket less often so you have a chance to use up what you have before refilling your cabinet.</p> <h2>Organise your oils</h2> <p>Exposure to light can make cooking oils go rancid. If you like having them on the counter, put them in opaque containers and stylise them so they don’t just look like clutter. “Put a tray under them so it looks intentional,” says Cattano.</p> <p><em>This article originally appeared on <a href="https://www.readersdigest.com.au/food-home-garden/home-tips/kitchen-organisation-ideas-youll-wish-you-knew-sooner" target="_blank" rel="noopener">Reader's Digest</a>.</em></p> <p><em>Images: Getty</em></p>

Home Hints & Tips

Placeholder Content Image

5 DIY ideas for your home that are easier than you think

<p dir="ltr">If you want to spruce up your home without breaking the bank, check out these home upgrades you can achieve all by yourself. </p> <p dir="ltr" role="presentation"><strong>1. Feature wall</strong></p> <p dir="ltr">If you’re looking for a pop of colour or have a wall in need of some TLC, try a feature wall. You can do this with paint, but if you want a wall that looks like it’s been renovated by professionals, try covering it with plywood panels. Arrange the plywood panels however you like on your wall and secure them with a nail gun, paint over the top of it and transform your room!</p> <p dir="ltr"><strong>2. Wall storage</strong></p> <p dir="ltr">Invest in some wooden hooks to hang items on. Use items such as scarves, indoor plants, hats and bags for decoration and paint the hooks for a pop of colour.</p> <p dir="ltr"><strong>3. Gallery wall</strong></p> <p dir="ltr">Dedicate a wall for paintings. It’s a good idea to pick artworks that are similar and will complement each other. Choose the same frame style so they all match, and line them up on the wall. </p> <p dir="ltr"><strong>4. Style your bathroom </strong></p> <p dir="ltr">It is possible to transform your bathroom even if you’re less than handy! Think of a colour scheme and get matching towels, soaps, and mats. You can also make other simple changes by matching towel rails, door knobs and taps to bring the room together.</p> <p dir="ltr"><strong>5. Paint your door</strong></p> <p dir="ltr">Totally transform your home with a new coat of paint on your front door. Bright colours make for a great feature and a stylish new front door will leave a lasting impression on guests. Use water-based gloss or semi-gloss paint for easy cleaning and durability. Paint your door in its frame or lay it on the floor and remember to remove knobs and hinges. </p> <p><span id="docs-internal-guid-0af3b014-7fff-0df3-6695-1c6d71e15a01"></span></p> <p dir="ltr"><em>Image credit: Shutterstock</em></p>

Home Hints & Tips

Placeholder Content Image

The most feel-good way to recycle

<p>Long-time Return and Earner "Scooter Dave" has been a keen participant in the NSW container deposit scheme <span style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;">since the program started, and the Illawarra local has returned 500,000 containers in that time.</span></p> <p>Dave gets about on a scooter and any day when weather and health permits, he completes his route to collect rubbish from Windang Bridge in Shellharbour. Along the way he picks up eligible drink containers from residents and businesses who keep them in their yards ready for his scooter collection service. </p> <p>He has donated all of the $50,000 in refunds to many charities, including the Smith Family, the Sydney Children’s Hospital, and children’s ward in Wollongong, bushfire appeals and the Illawarra Convoy. </p> <p>“It gives me something to do, and I know that I am doing something to help people," says Scooter Dave. "People always say that there should be more people like me. There are, but they aren’t cleaning up rubbish like I am.” </p> <p>In a world that’s becoming more eco-conscious, we’re seeing more and more initiatives implemented to reduce the impact we’re having on the planet – from the single-use plastic bans to adopting reusable packaging and recycling. </p> <p>Recycling remains one of the best ways to help protect the environment. The benefits of recycling include reducing the amount of rubbish that ends up in landfill or as litter in our local environment, and reducing the need to extract raw materials from the earth to create new products such as mining raw aluminium to create cans. And with <a style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;" href="https://returnandearn.org.au/?utm_source=over-60&utm_medium=article&utm_content=native-article&utm_campaign=grey-partnership" target="_blank" rel="noopener">Return and Earn</a><span style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;"> </span><span style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;">there are even more direct benefits for you.</span></p> <p>Return and Earn is one of many drink container return schemes that have been adopted around the world, where customers who return their used eligible drink containers for recycling can collect a refund.</p> <p>“With Return and Earn, you earn a 10c refund for every empty can, glass or plastic bottle, carton, juice box or popper that you return through one of its 600 return points across NSW.</p> <p>“Since the scheme launched five years ago, over 8.6 billion containers have been returned for recycling by the NSW public resulting in over $860 million in container refunds back in people’s pockets,” says Danielle Smalley, CEO of Exchange for Change, scheme coordinator for Return and Earn.</p> <p>The scheme is entirely funded by the beverage industry, aiming to place responsibility for container recycling firmly back with the industry. </p> <p>The scheme targets commonly littered items and includes most 150ml to three litre plastic, glass, aluminium, steel, and liquid paperboard containers. Eligible containers featuring the 10 cent refund mark can be redeemed for the refund.</p> <p>“Return and Earn is an extraordinary example of how individual action can have a collective impact,” says Smalley.</p> <p>The environmental benefits of the scheme have exceeded expectations – reducing the volume of drink container litter by 52 per cent compared to pre-scheme levels and sending over 755,000 tonnes of material to be recycled.</p> <p>Plus the Return and Earn app makes recycling your containers even easier because you can check the map to see where the nearest return points are to your location and make sure they’re open. Another fantastic feature on the app is the container checker which helps you avoid taking containers that are not eligible. Simply scan the barcode on your container and the app tells you if it can be returned for recycling at a return points. If not, they can go straight into your household recycling bin.</p> <p><strong>Choose your recycling experience</strong></p> <p>To return your containers, you can choose from four types of return points, depending on what suits you and what is nearby.</p> <p>There are Return and Earn machines - a self-service option where you return your containers one-at-a time. You’ll receive a receipt which is redeemable for cash at the partner redemption location or payment straight to your bank account by downloading the Return and Earn app. There are also Return and Earn Centres which are larger format indoor locations featuring multiple machines inside.</p> <p> <img src="https://oversixtydev.blob.core.windows.net/media/2023/01/Tomra1.png" alt="Return and Earn" width="741" height="423" /></p> <p>For larger numbers, heading to your nearest automated depot is your best option. Here staff will take your bags of eligible containers and process them in their automated counting system called a singulator. Once counted, they’ll provide you with your cash refund. </p> <p>Even local businesses are taking part, with some corner stores, newsagents, fruit shops and some Surf Life Saving Clubs able to take your containers and give you your refund.</p> <p>To find your nearest return point, visit <a href="https://returnandearn.org.au/return-points/?utm_source=over-60&utm_medium=article&utm_content=native-article&utm_campaign=grey-partnership" target="_blank" rel="noopener">www.returnandearn.org.au</a>. </p> <p><strong>Top tips for returning and earning</strong></p> <p>When you’re ready to return your first collection of containers, here are some tips to make your experience even easier:</p> <ul> <li><strong>Download the Return and Earn app:</strong> use the app store available on your mobile phone. </li> <li><strong>Sort your containers before you go:</strong> if you’re using a Return and Earn machine, sort your glass containers from your plastic bottles and cans as these are return using separate chutes on the machine. If you’re using an automated depot or an over-the-counter return point, there’s no need to sort. </li> <li><strong>Check if your containers are eligible:</strong> Use the Return and Earn app to check if your containers are eligible for a refund. And make sure they’re uncrushed, with the barcode visible and keep the lid on.</li> <li><strong>Plan your trip:</strong> make sure to check opening times of your nearest return point via the Return and Earn app or website. You can even optimise your trip by checking the busiest and quietest times to visit.</li> </ul> <p>With these tips under your belt, you can make the most of your Return and Earn experience and reap the benefits for your wallet and for the environment.</p> <p><iframe title="YouTube video player" src="https://www.youtube.com/embed/OYDROMQIDbU" width="560" height="315" frameborder="0" allowfullscreen="allowfullscreen"></iframe></p> <p>For more information, visit <a href="https://returnandearn.org.au/?utm_source=over-60&utm_medium=article&utm_content=native-article&utm_campaign=grey-partnership" target="_blank" rel="noopener">Return and Earn.</a></p> <p><em>All images: supplied</em></p> <p><em>This is a sponsored article produced in partnership with <a href="https://returnandearn.org.au/?utm_source=over-60&utm_medium=article&utm_content=native-article&utm_campaign=grey-partnership" target="_blank" rel="noopener">Return and Earn</a>. </em></p>

Retirement Income

Our Partners