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COVID vaccines saved millions of lives – linking them to excess deaths is a mistake

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/paul-hunter-991309">Paul Hunter</a>, <em><a href="https://theconversation.com/institutions/university-of-east-anglia-1268">University of East Anglia</a></em></p> <p>A recent <a href="https://bmjpublichealth.bmj.com/content/2/1/e000282">study</a> has sparked another <a href="https://nypost.com/2024/06/06/us-news/covid-vaccines-may-have-helped-fuel-rise-in-excess-deaths-since-pandemic-study/">round of</a> <a href="https://www.telegraph.co.uk/news/2024/06/04/covid-vaccines-may-have-helped-fuel-rise-in-excess-deaths/">headlines</a> <a href="https://www.gbnews.com/health/covid-vaccine-side-effects-deaths">claiming</a> that COVID vaccines caused excess deaths. This was accompanied by a predictable outpouring of <a href="https://x.com/DrAseemMalhotra/status/1797922073798717524">I-told-you-sos</a> on social media.</p> <p>Excess deaths are a measure of how many more deaths are being recorded in a country over what would have been expected based on historical trends. In the UK, and in many other countries, death rates have been higher during the years 2020 to 2023 than would have been expected based on historic trends from before the pandemic. But that has been known for some time. A couple of years ago I wrote an article for <a href="https://theconversation.com/summer-2022-saw-thousands-of-excess-deaths-in-england-and-wales-heres-why-that-might-be-189351">The Conversation</a> pointing this out and suggesting some reasons. But has anything changed?</p> <p>The authors of the new study, published in BMJ Public Health, used publicly available data from <a href="https://ourworldindata.org/COVID-vaccinations">Our World in Data</a> to determine which countries had “statistically significant” excess deaths – in other words, excess deaths that couldn’t be explained by mere random variation.</p> <p>They studied the years 2020 to 2022 and found that many, but not all, countries did indeed report excess deaths. The authors did not try to explain why these excess deaths occurred, but the suggestion that COVID vaccines could have played a role is clear from their text – and indeed widely interpreted as such by certain newspapers.</p> <p>There is no doubt that a few deaths were associated with <a href="https://journals.sagepub.com/doi/full/10.1177/25166026211053485">the COVID vaccines</a>, but could the vaccination programme explain the large number of excess deaths – 3 million in 47 countries – that have been reported?</p> <p>Based on <a href="https://www.ons.gov.uk/peoplepopulationandcommunity/birthsdeathsandmarriages/deaths/articles/excessdeathsinenglandandwales/march2020todecember2021">death certificates</a>, during 2020 and 2021 there were more deaths from COVID than estimated excess deaths in the UK. So during the year 2021 when most vaccine doses were administered, there were actually fewer non-COVID deaths than would have been expected. It was only in 2022 that excess deaths <a href="https://www.ons.gov.uk/peoplepopulationandcommunity/birthsdeathsandmarriages/deaths/articles/deathregistrationsummarystatisticsenglandandwales/2022">exceeded COVID deaths</a>.</p> <p>If the vaccination campaign was contributing to the excess deaths that we have seen in recent years, then we should expect to see more deaths in people who have been vaccinated than in those who have not. The most reliable analysis in this regard was done by the UK’s <a href="https://www.ons.gov.uk/peoplepopulationandcommunity/birthsdeathsandmarriages/deaths/articles/excessdeathsinenglandandwales/march2020todecember2021">Office for National Statistics (ONS)</a>. In this analysis, the ONS matched death registrations with the vaccine histories of each death recorded. They then calculated “age-standardised death rates” to account for age differences between those vaccinated and those not.</p> <p>What the ONS found was that in all months from April 2021 to May 2023, the death rate <a href="https://www.ons.gov.uk/redir/eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9.eyJpbmRleCI6MSwicGFnZVNpemUiOjEwLCJwYWdlIjoxLCJ1cmkiOiIvcGVvcGxlcG9wdWxhdGlvbmFuZGNvbW11bml0eS9iaXJ0aHNkZWF0aHNhbmRtYXJyaWFnZXMvZGVhdGhzL2RhdGFzZXRzL2V4Y2Vzc2RlYXRoc2luZW5nbGFuZGFuZHdhbGVzIiwibGlzdFR5cGUiOiJyZWxhdGVkZGF0YSJ9.Cot-XDe8Rr07paGllBNnVVz1nTqnXfVafn2woA3tk0c">from all causes was higher</a> in the unvaccinated than in people who had been vaccinated at least once.</p> <p>That deaths from all causes were lower in the vaccinated than the unvaccinated should come as no surprise given that COVID was a major cause of death in 2021 and 2022. And there is ample evidence of the <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC10492612/">protective effect of vaccines</a> against severe COVID and death. But what is even more convincing is that, even when known COVID deaths were excluded in the ONS report, the death rate in the unvaccinated was still higher, albeit not by very much in more recent months.</p> <p>Some COVID deaths would certainly not have been recognised as such. But, on the other hand, people with chronic conditions, such as diabetes, were a high priority for vaccination. And these people would have been at increased risk of death even before the pandemic.</p> <h2>Possible causes</h2> <p>If the vaccine is not the cause of the excess deaths, what was?</p> <p>The major cause of the excess deaths reported in the first two years of the BMJ Public Health study was deaths from COVID. But by 2022, excess deaths exceeded COVID deaths in many countries.</p> <p>Possible <a href="https://theconversation.com/summer-2022-saw-thousands-of-excess-deaths-in-england-and-wales-heres-why-that-might-be-189351">explanations</a> for these excess deaths include longer-term effects of earlier COVID infections, the return of infections such as influenza that had been suppressed during the COVID control measures, adverse effects of lockdowns on physical and mental health, and delays in the diagnosis of life-threatening infections as health services struggled to cope with the pandemic and its aftermath.</p> <p>We do need to look very carefully at how the pandemic was managed. There is still considerable debate about the effectiveness of different behavioural control measures, such as self-isolation and lockdowns. Even when such interventions were effective at reducing transmission of COVID, what were the harms and were the gains worth the harms? Nevertheless, we can be confident that the excess deaths seen in recent years were not a consequence of the vaccination campaign.<!-- 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/231776/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><em><a href="https://theconversation.com/profiles/paul-hunter-991309">Paul Hunter</a>, Professor of Medicine, <a href="https://theconversation.com/institutions/university-of-east-anglia-1268">University of East Anglia</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/covid-vaccines-saved-millions-of-lives-linking-them-to-excess-deaths-is-a-mistake-231776">original article</a>.</em></p> </div>

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"A little bit steep": Jetstar passenger hit with "wild" excess baggage fee

<p>A Jetstar passenger has been slapped with a "wild" excess baggage fee after her luggage was less than just one kilogram overweight. </p> <p>Monique McCreanor was flying from Melbourne to Sydney after competing in a fitness competition when she was hit with the unexpected fees. </p> <p>Travelling with only carry-on luggage, Ms. McCreanor said she made a mad dash to the airport to catch her flight, only to be stopped at the gate due to the weight of her bag.</p> <p>Because of the prizes she won at the competition, her bag was just 900g over the 7kg limit, and she was issued a $75 fine.</p> <p>Ms. McCreanor took to TikTok to share a warning with other travellers to triple check the weight of your bag, as even being over the limit by mere grams will set you back. </p> <p>“This isn’t a complaint, this is merely just warning you guys,” she said in the clip. </p> <p>“If you do fly with Jetstar on a domestic flight, and your bag is even 100g overweight, you’re going to get charged $75 at the gate for that excess luggage."</p> <p>“Now, this kind of sucks, because I’m like damn, I could have had 15kg in this bag to really make it worthwhile."</p> <p>“I got hit with $75, so just make sure are booking the extra checked baggage, it is better to be safe than sorry, because $75 is a little bit steep for just 900g overweight.”</p> <p>While her video quickly garnered thousands of views, many were left divided in the comments about her complaints. </p> <p>One person sided with the airline, saying, “No sorry, it clearly gives a weight allowance. You went over, you pay.”</p> <p>“Seriously it doesn’t matter who you are with, you will have to pay any way, they are the rules,” another added.</p> <p>Others were quick to empathise, sharing their own experience of encountering excess baggage fees.</p> <p>“They did this to me on my honeymoon... I was p****d,” one person said.</p> <p><em>Image credits: TikTok</em></p>

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Angela Bishop shares one simple health change to shed excess weight

<p><em>Studio 10's</em> Angela Bishop has given insight to her recent weight loss, admitting she changed one simple thing in her routine to drop her excess weight. </p> <p>The 52-year-old explained her simple lifestyle change didn’t involve altering her diet or hitting up the gym - but instead involved giving up energy drinks. </p> <blockquote 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);" class="instagram-media" data-instgrm-permalink="https://www.instagram.com/p/CAUd5wwjMp7/?utm_source=ig_embed&amp;utm_campaign=loading" data-instgrm-version="12"> <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> <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;" rel="noopener" href="https://www.instagram.com/p/CAUd5wwjMp7/?utm_source=ig_embed&amp;utm_campaign=loading" target="_blank">A post shared by Angela Bishop (@angelabishop10)</a> on May 17, 2020 at 11:51pm PDT</p> </div> </blockquote> <p>“I recently gave up my sugar-free energy drink addiction,” she revealed on Studio 10. </p> <p>“'I was drinking between 2-3 cans a day and changing absolutely nothing else about my diet, I've lost two kilos in three and a half weeks.”</p> <p>Angela admitted it was a major struggle giving up her addiction. </p> <p>“The withdrawal from the drinks was very painful,” she recalled.</p> <blockquote 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);" class="instagram-media" data-instgrm-permalink="https://www.instagram.com/p/B_hV8d6jye7/?utm_source=ig_embed&amp;utm_campaign=loading" data-instgrm-version="12"> <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> <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;" rel="noopener" href="https://www.instagram.com/p/B_hV8d6jye7/?utm_source=ig_embed&amp;utm_campaign=loading" target="_blank">A post shared by Angela Bishop (@angelabishop10)</a> on Apr 28, 2020 at 3:20am PDT</p> </div> </blockquote> <p>“I had very very bad headaches and didn't feel good at all.”</p> <p>But since officially kicking her cravings, the star says she feels “great”. </p> <p><span>The veteran entertainment reporter lost her husband </span><span>Peter Baikie to a rare cancer in 2018, and together they share 12-year-old Amelia.</span></p> <p><span>"I don't try to keep the grief in when it hits, otherwise I'll do myself an injury. You've got to go and find somewhere to have a little cry. I do it a lot in the traffic in the car, or in the carpark at work. You just have to let it out," she told </span><em><a rel="noopener" href="https://www.nowtolove.com.au/parenting/celebrity-families/angela-bishop-husband-daughter-55207" target="_blank">Australia Women's Weekly.</a></em><span></span></p> <p><img style="width: 500px; height: 281.25px;" src="https://oversixtydev.blob.core.windows.net/media/7836548/peter-baikie-angela.jpg" alt="" data-udi="umb://media/8bf8439d51284aa59b8ddc251a55b87a" /></p> <p><em>Image: Instagram</em></p> <p><span>"You've got to quickly have a dash to the loo and have a cry then reapply the mascara and come back again."</span></p> <p>She added: "Some days I think I'm resilient, others I think I'm cactus. I haven't got enough distance to be able to look at it objectively. I don't know if I ever will. But you have to get up and put one foot in front of the other and keep going. And, of course, I've got the best reason to do that."</p>

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The excessive sweating condition that could ruin your life

<p>Most people sweat when they exercise or the weather is hot. But some people sweat far more than this. Hyperhidrosis – excessive sweating – can be a devastating condition that has a huge impact on quality of life, and even prevent those who have it from carrying out everyday tasks. For some it has affected their relationships. Others are so embarrassed by their sweating that they feel unable to leave their house.</p> <p>Sweating is a normal physiological process that helps the body to regulate its temperature. When we get too hot or exercise, sweat evaporates from the skin and has a cooling effect. People often also notice they sweat when they are anxious or are in a situation that makes them nervous. But for the roughly 3 per cent of people who have <a href="http://www.bad.org.uk/shared/get-file.ashx?id=93&amp;itemtype=document">hyperhidrosis</a>, sweating can be almost constant.</p> <p>The most common areas of the body affected by hyperhidrosis are hands, feet, underarms, face, and head, although other areas can be affected too. Some people with hyperhidrosis sweat all over, rather than in just some parts of the body. People with hyperhidrosis often sweat in situations where other people don’t, for example, when the weather is cold.</p> <p>It is not known what causes hyperhidrosis, although it is thought that the nerves that usually make us sweat become over-active. Hyperhidrosis often starts in childhood or adolescence, but can start at any time during life. There is probably a genetic element as well, as there is often a family history in people who have excessive sweating of the hands.</p> <p><strong>Few answers</strong></p> <p>Without a clear understanding of what causes hyperhidrosis, it is more challenging to find effective treatments. That is why colleagues and I have been <a href="https://www.dmu.ac.uk/about-dmu/news/2018/january/dmu-begins-research-into-debilitating-condition-that-causes-excessive-sweating.aspx">researching the condition</a>. We asked people with hyperhidrosis and healthcare professionals who treat them what questions they would like research to answer. We had 268 people come forward to suggest nearly 600 research questions.</p> <p>We found that hyperhidrosis has a wide range of severity. At the mild end of the spectrum, the effects may be minimal – a small inconvenience or minor embarrassment. But as severity increases, the impact on quality of life becomes much more substantial. And the condition can have a huge impact on quality of life, affecting people’s career choices and leading to social isolation. For example, some people have such sweaty hands that it makes it difficult to hold a pen or use a keyboard.</p> <p>People with hyperhidrosis often have anxiety in work situations such as job interviews or meetings where they might be expected to shake hands. Their social life can also be affected, with many people feeling embarrassed by their sweating, and some people have avoided forming intimate relationships due to this. Some people have to change their clothes several times.</p> <p>Many people with hyperhidrosis don’t seek medical help due to the stigma of the condition. They may not even know it is a medical condition at all. Those that do often report difficulties in being taken seriously, lack of access to specialists, and treatment being considered a <a href="https://www.cambridgeshireandpeterboroughccg.nhs.uk/EasySiteWeb/GatewayLink.aspx?alId=9620">low priority</a>.</p> <p><strong>Available treatment</strong></p> <p>There are a <a href="https://hyperhidrosisuk.org/treatment-options/">number of treatments</a> available for hyperhidrosis, which depend upon the area of the body affected. Temporary treatments include:</p> <ul> <li>Strong anti-perspirants containing aluminium chloride</li> <li>Iontophoresis, where the affected areas are placed in water and a low voltage electrical current passed through it</li> <li>Botox, which works by blocking a chemical at the nerve endings, so it can’t activate the sweat glands</li> <li>Oral medications, called anti-cholinergics, which also work by blocking the nerve endings, throughout the body</li> </ul> <p>But these are all temporary, and do not work for everyone. The anti-perspirants can cause skin irritation, and oral medication blocks nerve endings throughout the body, so can cause side effects such as a dry mouth and problems urinating. Botox and iontophoresis, meanwhile, need to be repeated regularly and can be expensive.</p> <p>There are also some more permanent solutions available. Some sufferers have had surgery to remove or destroy sweat glands in a localised area (such as the armpits) or endoscopic thoracic sympathectomy (ETS), where the nerves that control sweating are cut. ETS is effective in reducing the sweating of the areas intended, but can lead to very serious side effects such as damage to nerves or organs. Most patients end up with some level of sweating in other areas (<a href="https://www.ncbi.nlm.nih.gov/pubmed/15276490">compensatory sweating</a>) and this can be worse than the original problem, so this surgery is generally only used as a last resort. A newer <a href="https://hyperhidrosisuk.org/treatment-options/miradry/">permanent treatment</a> uses electromagnetic energy to destroy sweat glands.</p> <p>Despite being a common skin condition, hyperhidrosis is not widely known about, and research is very poorly funded. Raising awareness is key if people are to feel comfortable enough to come forward to ask for help and advice.<!-- 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; text-shadow: none !important;" src="https://counter.theconversation.com/content/113945/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: http://theconversation.com/republishing-guidelines --></p> <p><em>Written by <span>Louise Dunford, Director of the Institute of Allied Health Sciences Research, De Montfort University</span>. Republished with permission of </em><a rel="noopener" href="https://theconversation.com/hyperhidrosis-the-excessive-sweating-condition-that-could-ruin-your-life-113945" target="_blank"><em>The Conversation</em></a><em>. </em></p>

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“Excessive”: $344 parking fine sparks controversy among locals

<p>A $344 parking fine has caused dismay among a NSW community who believed the “excessive” ticket should not have been handed out. </p> <p>A motorist in Newtown, Sydney was given a $344 fine for parking within ten metres of an intersection with no traffic lights. </p> <p>The black sedan was parked in a zone where there was no marked signs to indicate he couldn’t park there. </p> <p>"Sorry for this person who got this ticket, but shouldn't there be sign there saying no parking?" the man wrote in a post that has since gone viral.</p> <p>"And ten metres seems excessive."</p> <p>The driver was parked on a suburban street in central Newtown, near Erskineville road, on Angel Street. </p> <p>" That's the law," one man replied.</p> <p><img style="width: 474px; height: 267px;" src="https://oversixtydev.blob.core.windows.net/media/7829879/driving.jpg" alt="" data-udi="umb://media/44e30dd7f71a4decaa07492b0c04f7bd" /></p> <p>"Ah…. this is the law. It was widely publicised when they introduced it," another woman agreed.</p> <p>"It's also dangerous for other road users and pedestrians to park that close to an intersection so fair call on the fine, in my opinion."</p> <p>"There's someone who repeatedly parks like this at the top of the street I live in," another woman commented.</p> <p>"It's so bloody irritating and freaking dangerous given it's right near a school."</p> <p>However, other members in the community took to the side of the motorist, arguing rangers in the area were not consistent with charging people for illegal parking. </p> <p>"It seems they are not consistent with it," the driver replied. </p> <p>He said a parked car near his home was also in "violation" but didn’t receive a fine.</p> <p>"(It) might be the law but also means with this rule there is even less parking around for inner west residents and visitors," another woman said.</p> <p>"Ten metres is excessive, that would mean you could fit three cars on a Newtown street rather than nine," one woman insisted.</p> <p>"Rangers only enforce it sporadically, I've seen cars that are creating an actual traffic hazard left alone, and others that are completely out of the way of anything given tickets. Who knows," another man said.</p> <p>"Ten metres is a lot further than most people realise," someone else responded.</p> <p>Road laws are particularly complex in NSW, and it is no wonder motorists are confused by the rules. </p> <p>According to RMS, drivers are not permitted to park within ten metres of an intersection without lights. </p> <p>However, there are exceptions to the rule, including when there is a sign permitting drivers to park there and motorists are allowed to park on the continuous side of an intersection of T-intersection.</p>

Domestic Travel

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“Is this excessive?”: Woman sparks online debate over toilet paper rolls

<div> <div class="replay"> <div class="reply_body body linkify"> <div class="reply_body"> <div class="body_text "> <p>An anonymous woman has caused an online forum to go into a spin after asking an innocent question.</p> <p>She wanted to know whether or not her housemates’ toilet paper use was excessive and what was considered a normal amount.</p> <p>“Three adults in my house, two male, one female. I buy a pack of nine a week and we are using 90 per cent of it … honestly I think someone is eating it! What do you use? Is this excessive?” she asked.</p> <p>As soon as the question was asked, people were quick to give their answers.</p> <p>“We have two adults and two children and we use two to three toilet rolls max a week. We’d probably use a lot less if the kids didn’t use half a bog roll every time they had a poop,” one woman said.</p> <p>“Far too much. Maybe change diet lol,” another joked.</p> <p>“Two adults, one child (4yr old) we use around four rolls a week. A nine pack last just over two weeks. I’m super efficient with wiping …” another revealed.</p> <p>Some were quick to point out that the amount of men and women in the home is a factor.</p> <p>“I think the amount of girls v boys makes a massive difference. You surely go through more if you have girls. We’re a family of seven, is females vs my husband. Youngest two are still in nappies so there’s me, hubby and three girls, and we go through a 24 pack probably every month,” a mother said.</p> <p>Others were curious as to what type of toilet paper was bought.</p> <p>“I think it does depend on what toilet paper you buy. I buy the dear stuff and it lasts ages, it’s thick and quilted. I’m assuming the cheaper rolls are thin so you’d need more paper,” another said.</p> <p>One commenter was just glad the topic was being brought up.</p> <p>“There’s seven of us and the toilet roll use is ridiculous,” she explained.</p> <p>“I can walk in the bathroom and there’ll be half a roll then the next time you go it’s gone. I buy a pack of six on a Monday come Friday/Saturday, I’m buying more,” another said.</p> </div> </div> </div> </div> </div>

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How to avoid excess data charges

<p>These days it’s hard to imagine life without being able to access the internet whenever we want from our smartphone or tablet computer. Unfortunately, it’s almost just as difficult to imagine life without massive phone bills from excess data charges.</p> <p>It’s so easy to underestimate how much data you’ve used when you’re on the fly, and with excess charges often amounting to roughly $10 for every 1GB over your limit, there’s a very real financial consequence for exceeding your quota.</p> <p><strong>Why are the charges so big?</strong></p> <p>With mobile phone plans, the devil is in the detail. Your monthly standard rate might seem reasonable, but it’s the fees for excess usage hidden in the fine print that are designed to take you to the cleaners. It’s a good idea to consider your usage, before selecting any mobile plan. If there’s a good change you’re going to get close to, or exceed your limit, on a regular basis, you might want to upgrade to a heftier phone plan. </p> <p><strong>What can I do to avoid these charges?</strong></p> <p>While there’s not much you can do if you’re stuck in a shonky plan (aside from breaking it or riding it out) there are a few measures you can take to manage your data usage.</p> <ul> <li><strong>Switching to pre-paid</strong> - This can be a good option for chronic over-users who are frequently exceeding their data limit. That said, it’s just as important to monitor your usage with a prepaid plan, as there’s nothing worse than running out of credit when you need it!</li> <li><strong>Family data sharing plans</strong> - These plans are relatively new to the market and allow family members to share and combine data limits, which can be a cost-effective way to save on telco bills. It requires a bit of corporation but can be a great saving-strategy.</li> <li><strong>Avoid the apps that use the most data</strong> - Apps like Twitter, Instagram, Snapchat, YouTube and Spotify are notorious data-guzzlers so make sure you keep the use of these apps to a premium. If you must use any of these apps, consider streaming them on Wi-Fi.</li> </ul> <p>What are your thoughts? Will you take any of these suggestions onboard?</p> <p style="text-align: center;"><iframe width="560" height="315" src="https://www.youtube.com/embed/apZBrRlAzfI" frameborder="0" allow="autoplay; encrypted-media" allowfullscreen=""></iframe></p>

Money & Banking

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Exactly how much insurance excess you need

<p>One of the most important parts of your insurance policy is the amount you’re specifying as excess. Yet it’s also one of the least well-understood parts.</p> <p><strong>So how much excess should you be taking on?</strong></p> <p>We’re going to take a look at the ins and outs of excess, so you can understand the amount that best suits your policy, coverage and circumstances.</p> <p><strong>What is excess?</strong></p> <p>Most insurance policies will include an excess, which is basically the amount the person insured has to pay if they decide to make a claim on something.</p> <p>In a sense, it can be seen as a way of accepting a degree of risk yourself. An example of an excess being applied would be if you had car insurance and your vehicle was damaged. If the cost of repairs was $2,000 and you had a $400 excess, you would be required to pay the first $400 to the mechanic and your insurer would foot the remainder of the bill.</p> <p><strong>Types of excess that are available</strong></p> <p>It’s important to note that not every policy has the same type and level of excess, and they don’t apply in all the same scenarios and in many ways this is the sort of thing that should be considered when you’re shopping around between policies.</p> <p>Most policies have a standard and voluntary excess. The standard excess applies to every claim you make, but the voluntary excess is assumed yourself. In some circumstances, if you nominate a higher voluntary excess you can end up paying lower premiums.</p> <p><strong>How much should I have?</strong></p> <p>Well, it basically depends on your circumstances and the amount of risk you’re willing to assume. In certain circumstances it can make sense to nominate a higher level of excess to bring your premiums down to a more manageable level, but it’s equally as important to consider the fact that when you do make a claim you will end up having to pay more.</p> <p>In the end of the day the best way to figure out the level of excess for you is crunching the numbers, comparing your policies and consulting a financial adviser. In the right circumstances it can make a lot of sense, but it can also leave you with a big bill to foot.</p> <p><strong>Related links:</strong></p> <p><a href="/finance/insurance/2016/05/have-hospital-parking-fees-become-too-high/"><strong><em><span style="text-decoration: underline;">Have hospital parking fees become too high?</span></em></strong></a></p> <p><a href="/finance/insurance/2016/06/10-foods-to-help-you-get-to-sleep/"><span style="text-decoration: underline;"><em><strong>10 foods to help you get to sleep</strong></em></span></a></p> <p><a href="/finance/insurance/2016/06/driving-in-australia-as-a-senior/"><span style="text-decoration: underline;"><em><strong>How can I keep driving as a senior?</strong></em></span></a></p>

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