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

<div class="theconversation-article-body"> <a href="https://theconversation.com/profiles/steve-worthington-138">Steve Worthington</a>, <a href="https://theconversation.com/institutions/swinburne-university-of-technology-767">Swinburne University of Technology</a> You head to the register at the cafe to pay for your lunch, swipe your card and suddenly realise you’ve been hit with an extra small but unexpected charge. It might be listed on your receipt as a service or merchant fee, but either way it’s because you’ve used a credit or debit card. With the pandemic accelerating the use of cards instead of cash – <a href="https://www.rba.gov.au/publications/bulletin/2023/jun/cash-use-and-attitudes-in-australia.html#:%7E:text=Cash%20payments,-The%20CPS%20suggests&text=In%20value%20terms%2C%20the%20cash,cent%20by%20value%20in%202022.">only 13% of Australians use cash</a>, dropping from 27% in the last five years – these extra charges have become mainstream. However, as was highlighted by National Australia Bank chief executive Andrew Irvine during a <a href="https://www.aph.gov.au/Parliamentary_Business/Committees/Joint/Corporations_and_Financial_Services/FinancialAbuse">parliamentary inquiry</a> into bank charges last week, they are often applied, in varying amounts, by businesses for reasons not always in line with their original purpose. Irvine slammed as <a href="https://www.afr.com/companies/financial-services/credit-card-surcharges-should-be-banned-or-regulated-nab-boss-says-20240830-p5k6jm">“outrageous”</a> a 10% surcharge he was forced to pay when he recently bought a cup of coffee at a Sydney cafe. “I don’t like the lack of transparency and lack of consistency,” he said. But most Australians are making these extra payments every day, without question. So how did this end up happening – and what can you do about it? <h2>Card surcharges in Australia</h2> At the start of this century, payments for goods and services were mainly made by cash, paper cheques, credit and debit cards. The first two of these options would eventually be deposited into a bank account by the merchant who ran the business. The latter two would be processed by the bank or financial institution which would charge the business a merchant service fee. For debit cards this might be a fixed fee. But for credit cards it would be proportionate with the value of the goods or services. The Reserve Bank of Australia became concerned the use of credit cards was greater than that of debit cards and <a href="https://www.rba.gov.au/publications/consultations/201106-review-card-surcharging/background.html">introduced surcharging in January 2003</a>. The intention was to lower the cost to the merchant of accepting debit cards and change customer behaviour. This has been achieved, as both the volume and value of paying by debit cards now exceeds the volume and value of paying by credit cards. However, the reality in 2024 is that card surcharges have become commonplace, and in a wide variety of payment situations. <h2>It’s estimated to cost us billions</h2> It is difficult to calculate the total cost of surcharging to Australian consumers since they became legal more than 20 years ago, because the rates charged vary widely. But at last week’s inquiry, Labor MP Jerome Laxale suggested it added up to <a href="https://www.smh.com.au/money/banking/card-surcharges-are-costing-us-billions-but-can-they-be-avoided-20240830-p5k6o8.html">A$4 billion</a> in the last year. Surcharges can be imposed by small to medium enterprises such as your local cafe, doctor’s surgery, your energy supplier, or when you use a card to pay your council rates. As an example, my rates are payable by card, with a surcharge of 1.10% for Mastercard and Visa credit, and 0.55% for eftpos and Mastercard and Visa debit cards. <h2>When surcharges can be applied</h2> Many merchants charge the same rate for all their card payments and some fail to alert customers to the extra fee before accepting the payment at their terminal, which they are required to do. Indeed, even on a receipt for payment, the surcharge can be described by the merchant as a “handling” or “merchant” fee. The Australian Competition and Consumer Commission <a href="https://www.accc.gov.au/consumers/pricing/card-surcharges">(ACCC)</a> regulates surcharging and demands the merchant prove a surcharge is justified. Furthermore, the ACCC says if there is no way for a consumer to pay without paying a surcharge – that is, they can’t pay by cash or cheque – then the business must include the surcharge in <a href="https://www.accc.gov.au/business/pricing/price-displays#toc-display-of-surcharges">the displayed price</a>. <h2>Penalties for misuse</h2> The ACCC can take merchants to court to enforce these regulations and there have been some examples of this in recent history. In July 2021, <a href="https://www.accc.gov.au/media-release/nine-entertainment-pays-penalties-for-alleged-excessive-payment-surcharges#:%7E:text=The%20ACCC%20alleged%20that%20these,Deputy%20Chair%20Mick%20Keogh%20said.">Nine Entertainment paid penalties totalling $159,840</a>, plus $450,000 redressing customers, for charging subscribers and advertisers excessive surcharges. The ACCC specifies that the surcharge must not be more than it costs the merchant to use that payment type. As guidance to the merchants, it also offers <a href="https://www.accc.gov.au/consumers/pricing/card-surcharges">the average costs for different payment types</a>: eftpos less than 0.5%, Mastercard and Visa Debit 0.5%–1% and Mastercard and Visa credit 1%–1.5%. However, despite the ACCC setting guidelines for the amounts that can be charged, many surcharges are above this guidance and in some cases more than 2.0% for all cards. Some merchants do charge different surcharging rates, depending on the cards they accept, be it eftpos, Mastercard or Visa. In theory, the surcharge rate is meant to be determined by the merchant service fee, which is negotiated between the merchant and their bank. Larger merchants, such as the supermarkets, department stores and energy companies, can negotiate low rates (reportedly as low as one cent a transaction). But smaller merchants with less negotiating clout will have higher service fees. The arrival of new payment players, such as <a href="https://www.forbes.com/advisor/business/software/square-vs-stripe/">Square and Stripe</a>, has offered businesses an alternative banker of card payments, which can then use surcharging as part of their merchant service fees. <h2>Surcharging overseas</h2> The <a href="https://europa.eu/youreurope/business/finance-funding/making-receiving-payments/electronic-cash-payments/index_en.htm">European Union</a> already has a long-standing ban on surcharging, while in the United States, surcharging is illegal in some states. Other countries, including the United Kingdom, have tried surcharging on card payments, only to abandon them as it was rorted by some merchants and became an unnecessary expense for consumers. <a href="https://bluenotes.anz.com/posts/2023/07/anz-news-surcharge-steve-worthington-australia#:%7E:text=In%202018%20the%20UK%20Treasury,their%20hard%2Dearned%20money%E2%80%9D.">A statement</a> released by the UK Treasury when it banned the practice in 2018 described surcharges as <blockquote> Hidden charges for paying with a debit or credit card, which will help millions of UK consumers to avoid rip-off fees when spending their hard earned money. </blockquote> <h2>What can you do about it?</h2> Before surcharging was allowed by the Reserve Bank in January 2003, acceptance by merchants of payments was just another cost of doing business. And it seems many consumers have just accepted surcharges as part of their transactions. There are ways to avoid them, the most obvious being to use cash. Using eftpos involves charges, but they are less than those imposed on credit and debit cards. The Reserve Bank is working on implementing a so-called <a href="https://www.rba.gov.au/payments-and-infrastructure/debit-cards/least-cost-routing/#:%7E:text=What%20is%20least%2Dcost%20routing,'merchant%2Dchoice%20routing'.">“least-cost routing”</a> system that defaults to the lowest cost network when processing payments. Unfortunately, this is yet to be widely adopted by businesses.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/237964/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/steve-worthington-138">Steve Worthington</a>, Adjunct Professor, <a href="https://theconversation.com/institutions/swinburne-university-of-technology-767">Swinburne University of Technology</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/surcharges-are-added-to-most-purchases-but-what-are-the-rules-behind-these-extra-fees-237964">original article</a>. </div>

Money & Banking

6 extra items to pack when travelling by yourself

Travelling alone can be a life changing experience, but it also requires a few extra precautions. Pack these six things to keep yourself safe. 1. Doorstop A simple wedge of wood or plastic can give you priceless peace of mind in a hotel room. Even if you lock the door, people might be able to break the lock or use a cloned key. A doorstop quickly and easily wedges it shut so you can sleep easy. If you want to go one step further, you can get special doorstop alarms that will emit a loud siren if anyone tries to force the door. 2. Extra lock There are endless uses for an extra padlock or bike lock-style cable. You can double up on your hotel door, secure your train carriage or ship cabin, double lock your suitcase or chain it to something sturdy. Compact, sturdy locks are relatively cheap and easy to carry with you, and will deter most thieves or intruders looking for an easy mark. 3. First aid kit If you don’t have a travel buddy to send down to the chemist, a simple first aid kit can be a lifesaver. Keep it stocked with band aids, basic bandages, pain killers, antibiotics, antihistamines and gastro meds, along with anything else you think will be useful. If you are really unwell, you’ll obviously need to see a doctor, but having the first line of defence within easy reach is always smart. 4. Whistle or personal alarm If you will be walking through unfamiliar cities at night (or even in the day), a whistle or personal alarm can give you a feeling of security. If anyone unsavoury approaches you, a loud noise will startle them and generally scare them off. It also draws the attention of other people and makes them aware of your predicament. 5. Small torch Never underestimate the power of a little light to make you feel safe. It’s great for finding your way through dark streets, looking for your keys in your bag or seeing the lock on your hotel door. You can get small lights that attach to a keychain or wallet and give out a surprisingly bright light. People are less likely to approach you if they feel they will be seen. 6. Fake wedding ring This one is for the ladies – in some countries an unmarried woman is seen as an easy target. Buying a cheap, fake wedding ring can give you a simple cover. Men may be less likely to approach you and, if they do, you can simply say your husband is in the next shop or waiting for you back at the hotel. Image credits: Shutterstock

Travel Tips

Cafe targeted online for charging customer a "heating fee"

A cafe in Melbourne has copped a wave of backlash online after allegedly charging a customer to heat up his muffin for breakfast. The disgruntled diner took to Facebook to complain about the extra fee on his $7 muffin at the cafe and claimed the first he knew of it was when he saw it on his receipt. His post went viral with hundreds of people slamming café etiquette and urging him to go to the ACCC. "A f***ing dollar to heat my muffin? It's cr*p like this that just makes you shake your head and question where it is all going," the customer wrote in his original post. The cafe has since hit back at the post, and the angry customer who wrote it, saying the extra charge had been an error despite Heat Standard $1.00 being written on the receipt. They also said the customer could have simply solved the issue in person rather than blasting them online. "We do not nor have we ever charged for any heating of our wonderful baked treats," the café spokesperson told <a href="https://www.dailymail.co.uk/femail/real-life/article-13465591/Melbourne-cafe-targeted-angry-mob-charging-1-heating-fee-muffin-Aussies-reveal-hidden-charges-theyve-hit-amid-cost-living-crisis.html" target="_blank" rel="noopener">Daily Mail Australia</a>. "Unfortunately this has become a mountain of an issue that could have easily been resolved without a lynch mob caused by negligence at the hands of an influential keyboard warrior who ironically sells the idea of spiritual life practices and being grounded yet flipped out over a muffin." The original post racked up more than 870 comments before it was deleted, and more than 1,000 reactions. Some of those who saw it went on to slam the cafe by sending them threatening messages, commenting on posts on Instagram and calling their business phone to hurl abuse. "It's a sad world when a local cafe that aims for nothing more then customer satisfaction and community values to be upheld gets threatening messages from rogue vigilantes about wanting to see us go out of business over a muffin being prepared and served to quality standards," the cafe owners said. The cafe responded to the growing backlash online by announcing their muffins would be free on Tuesday. Image credits: Facebook / Shutterstock

Travel Trouble

AusPost customer faces extra charge for using cash

As conversations continue about moving to a cashless society, an Australia Post customer was outraged after being slapped with a charge for using cash. Brisbane resident Gerrie Hoogland shared her outrage after hearing about the supposed cash charge through a friend, who claims they were charged $2.20 for wanting to use cash to pay a bill. Hoogland recounted the story on X, formerly known as Twitter, to share the story, while asking if anyone else had encountered anything similar. She wrote, “A friend of my husband’s went to pay a bill at the Post Office last week. He gave them $82.00 in cash and they said they would have to charge him $2.20 for using cash.” “He refused to pay it after telling them cash is legal tender, and then he left without paying the bill at all. Is anyone else hearing more of this?” A number of Aussies took to the comments to call out Australia Post for being “shady”, with some calling the fee a “scam” and a “disgrace”. However the outrage towards Australia Post may be misplaced. <a href="https://au.finance.yahoo.com/news/australia-post-customer-charged-220-for-using-cash---but-is-the-outrage-warranted-025519571.html">Yahoo Finance</a> has contacted the national postal service and understands the fee is set by individual billers, rather than Australia Post themselves. The fee relates to bills paid in person at an Australia Post outlet via Post Billpay and can apply to both cash and card transactions, and whether or not the fee is passed onto the customer will depend on the individual biller. In recent years, a number of billers charge an additional payment fee for bills paid in person, with some notable examples include telcos Telstra, Optus and Vodafone. Image credits: Shutterstock

Money & Banking

Obese woman sparks debate for not giving up extra seat for toddler

An obese woman has sparked debate online after refusing to give up the second seat she paid for to a fussy toddler. The 34-year-old booked the two seats for her cross-country flight to visit her family for Christmas because she was previously unable to comfortably fit in one seat. All was well until the young woman next to her demanded that she "squeeze into one seat" so her son could sit on the other. "I am obese," she admitted on the Reddit thread. "I'm actively working toward losing weight and I've made progress - but I booked an extra seat because I'm fat." She added that she insisted on keeping her seat because she paid for it, but the mum "made a big fuss over it, and she told the flight attendant I was stealing the seat from her son." "Then I showed her my boarding passes, proving that I paid for the extra seat. The flight attendant asked me if I could try to squeeze in, but I said no, that I wanted the extra seat I paid for." The woman claimed that the toddler was only 18 months old, so he didn't need his own seat and could've sat on his mum's lap for the duration of the flight. "I got dirty looks and passive-aggressive remarks from her for the entire flight and I do feel a little bad because the boy looked hard to control - but am I in the wrong?" she asked other social media users. Many shared their overwhelming support for the woman and slammed the mum and flight attendant for their "horrific" behaviour. "The mum is an a**hole for not buying a seat for her son and assuming someone else would give up a seat they paid for. Odds are she was hoping there'd be extra seats on the flight so she didn't have to pay and used the lap thing as a loophole," one commented. "What's even the point of the extra seat if the flight attendants are going to let entitled people bully others into giving it up?" another added. "People buy entire seats for high-end musical equipment. Not even people. Their lack of planning does not constitute an emergency on your part," a third wrote. However, there were a few others that said the woman was in the wrong for causing an inconvenience. "If you are so fat that you have to have more than one seat on an airplane then you are selfish," one said. "Flights overbook all the time especially during the holidays - how can you justify having two seats to yourself?" "How much room does a kid take up, seriously? Yeah the mum should've bought a seat but that doesn't mean you have to be selfish and cause two people discomfort," another commented. Image: Getty

Travel Trouble

Richard Wilkins and Sir Bob Geldof catch up live on air

Richard Wilkins is the man with a black book of celebrity contacts so it’s no surprise that he’s friends with rock legend Sir Bob Geldof. The Boomtown Rats frontman was being interviewed for his own accomplishments, and the upcoming launch of his own independent radio station Disrupt Radio when he interrupted the interview to catch up with his old mate. "Lovely to see you, you're looking well I have to say," Wilkins told Geldof. Who replied: “I’m good how are you”, which Wilkins quickly responded to before asking his question. After answering a few questions about his upcoming gigs with The Boomtown Rats, the rock legend couldn’t hold his excitement of seeing his old mate and asked Wilkins how he was, for the second time. "How are things with you?" Geldof asked Wilkins. To which a slightly flustered Wilkins replied: "I'm good man, I will give you a call after the show," as he tried to get the show back on track. This elicited a chuckle from the Today Extra co-hosts Sylvia Jeffreys and Tim Davies who quipped “it’s not about you, it’s more about Bob” before steering the conversation back to the original topic of interest. Image: Nine/ Today Extra

Music

Returning and Earning for your community

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. 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. 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. “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. “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.” 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. <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" /> The Gerringong Lions Club are now raising around $20,000 each year. 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. 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. 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. “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. 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. 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. “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. <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" /> In Cobar, the local Rotary Club has partnered with the Girl Guides to help with sorting! 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. “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. “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. “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.” 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. 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. 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. “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. 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> Images: Supplied This is a sponsored article produced in partnership with Return and Earn.

Money & Banking

Jimmy Barnes joins his family for special live performance

Jimmy Barnes and his talented family have wowed the Today Extra viewers with a rousing musical performance. Appearing on the breakfast show to promote the upcoming Jane Barnes Band tour, Jimmy was joined by his wife Jane, and daughter Mahalia, with a special addition of his son and Today Extra co-host David Campbell. To mark the family affair, the Barnes took the opportunity to perform a beautiful acoustic rendition of Nat King Cole's Around The World for the Today Extra audience. David admitted it was not the family's first time playing the song, saying it was their "party trick tune". "This is the first time you've heard it live on national television guys," an excited Sylvia Jeffreys said before introducing them. <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-permalink="https://www.instagram.com/p/CrzRx78SMeX/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/p/CrzRx78SMeX/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by Sylvia Jeffreys (@sylviajeffreys)</a> </div> </blockquote> Before their performance, David admitted that he was still tossing up whether he will join his family on tour with the Jane Barnes Band. "You were one of the original members," Jane told David. "I'm going to be singing with the two best singers in the land, sometimes three - I haven't negotiated with you yet." <blockquote class="twitter-tweet"> Here I am trying to take the run through seriously and they are, as usual being clowns. Will have to see if David can join us in one of the shows. I love him 💙 😂😂🎶🙏🏻 🕺<a href="https://twitter.com/hashtag/family?src=hash&ref_src=twsrc%5Etfw">#family</a> <a href="https://twitter.com/hashtag/music?src=hash&ref_src=twsrc%5Etfw">#music</a> <a href="https://twitter.com/hashtag/laughter?src=hash&ref_src=twsrc%5Etfw">#laughter</a> <a href="https://twitter.com/hashtag/Todayextra?src=hash&ref_src=twsrc%5Etfw">#Todayextra</a> <a href="https://twitter.com/DavidCampbell73?ref_src=twsrc%5Etfw">@DavidCampbell73</a> <a href="https://twitter.com/JimmyBarnes?ref_src=twsrc%5Etfw">@JimmyBarnes</a> <a href="https://twitter.com/MahaliaBarnes?ref_src=twsrc%5Etfw">@MahaliaBarnes</a> <a href="https://t.co/tms6NjNiQI">pic.twitter.com/tms6NjNiQI</a> — 💧Jane Barnes (@jane13barnes) <a href="https://twitter.com/jane13barnes/status/1653919562994429953?ref_src=twsrc%5Etfw">May 4, 2023</a></blockquote> Sylvia joked that David should do it for "mates rates" and he said he "used to be higher up" in the family hierarchy. "No offence, I'm calling my therapist after this," he laughed. You can check out the full video of their performance <a href="https://9now.nine.com.au/today/jimmy-barnes-david-campbell-perform-today-extra-host-sings-with-dad/3e9a5368-0590-4e2e-a180-23891b09eeb8" target="_blank" rel="noopener">here</a>. Image credits: Today Extra

Music

Should I put more money into my super? What are the benefits and can I take it out before retirement if I need it?

Superannuation is never far from the headlines lately, with the government recently calling for <a href="https://treasury.gov.au/consultation/c2023-361383">views</a> from the public on what the objective of super should be. The basic idea behind super is you set aside a portion of your pay over your working life, so you can build up a nest egg to see you through your retirement years. But what if you’re worried you might not have enough super by the time you retire? Yes, you could top up your super now and watch the nest egg grow through the magic of <a href="https://moneysmart.gov.au/saving/compound-interest">compound returns</a>– but what are the downsides? If you’re considering putting more money into your super, and want to know more about how the whole system works, here are the basics. <h2>What are the rules about putting more money into my super?</h2> First, make sure you know where your superannuation actually is and how much you’ve got so far. This <a href="https://www.ato.gov.au/forms/searching-for-lost-super/">page</a> from the Australian Tax Office explains how to search for any lost super. The next thing to know is there are <a href="https://www.ato.gov.au/individuals/super/in-detail/growing-your-super/super-contributions---too-much-can-mean-extra-tax/?page=2#Understanding_contribution_caps">limits</a> to how much you can contribute into superannuation. There are two types of super contributions you can make. The first category is called “<a href="https://moneysmart.gov.au/grow-your-super/super-contributions">concessional contributions</a>”. These are taxed at 15%, which may be lower than the tax you’d otherwise have to pay on that money. So making these super top-ups can not only grow your nest egg, but save you tax. The amount of concessional contributions you can make is A$27,500 per annum. That figure includes all the super your employer puts in your super account and any extra contributions you make under a salary sacrifice scheme or where you are claiming an income tax deduction. The second category, known as “non-concessional contributions”, means money you pay into your super withoutclaiming a tax deduction. This could be, for example, money from savings, an inheritance or a lottery win. There is a limit of $330,000 over three years (or $110,000 per year), for these contributions. <h2>What are the benefits of topping up my super?</h2> Two words: compound returns. Compound returns are where you earn returns not only on the original investment you put in, but also on any returns on that investment. As the government’s <a href="https://moneysmart.gov.au/saving/compound-interest">Moneysmart</a> website puts it, “you get interest on your interest”. Over the years, this means you could earn a lot more than you would if you didn’t top up your super. How much more? Well, it depends on the investment return and fees of your fund. But as an example: thanks to compound returns, putting an extra $100 per month into your super from age 30 could <a href="https://www.calc.help/industrysuper/add-extra-to-your-super">mean you retire</a> with an extra $65,000 in your account (here, I’ve assumed investment returns of 7.5%, accumulation inflation of 4% and salary inflation of 4%). And the longer it is there, the more it will grow – so starting top-ups early might pay off. This is particularly important for <a href="https://theconversation.com/spirals-and-circles-snakes-and-ladders-why-womens-super-is-complex-103763">women</a>, whose super balances may look a bit feeble if they take parental leave or cut their hours while raising a family. Then there’s the tax benefits of super top-ups. If you would normally pay a net tax rate higher than 15% on investments such as shares, your money will grow more quickly inside superannuation than shares. You may also be eligible for government co-contributions that add to your balance if you make a non-concessional contribution during the year and your income is less than $57,016. <h2>So what’s the downside? Can I access my superannuation before retirement?</h2> Basically, no. You must meet a “<a href="https://www.ato.gov.au/individuals/super/in-detail/withdrawing-and-using-your-super/withdrawing-your-super-and-paying-tax/?page=2#Conditionsofrelease">condition of release</a>” before being able to access your superannuation. The most common is retirement, defined as reaching the age of 65 or leaving work after reaching “preservation age” (which is 60 for anyone born after July, 1964). There are some <a href="https://www.ato.gov.au/Individuals/Super/Withdrawing-and-using-your-super/Early-access-to-your-super/">special circumstances</a> where you may be able to access your superannuation early. These are very narrow, and include serious financial hardship or necessary medical treatment that cannot be funded any other way. Death or terminal illness also qualify for release. <h2>But what if I need a deposit for a house?</h2> This is a dilemma for non home-owners. After compulsory superannuation guarantee deductions and HECS-HELP, it may be hard to save a deposit. One of the few circumstances where you access your superannuation early is through the <a href="https://www.ato.gov.au/individuals/super/withdrawing-and-using-your-super/first-home-super-saver-scheme/">First Home Super Savers Scheme</a>. If you make voluntary contributions, you may be able to withdraw these contributions for a home deposit. However, this scheme is very tightly regulated. You can read more about the rules for this scheme <a href="https://www.ato.gov.au/individuals/super/withdrawing-and-using-your-super/first-home-super-saver-scheme/">here</a>. <h2>So… should I put more money into my super?</h2> It depends. If you do, make sure you understand you will not be able to access that money until retirement. If you own your home (or intend to rent until retirement) you may want to put more into superannuation while you can afford it, knowing it is contributing to a secure retirement. But if home ownership is your goal, you should think carefully about choosing between superannuation and saving for a home deposit. Image credits: Getty Images This article originally appeared in <a href="https://theconversation.com/should-i-put-more-money-into-my-super-what-are-the-benefits-and-can-i-take-it-out-before-retirement-if-i-need-it-201950" target="_blank" rel="noopener">The Conversation</a>.

Retirement Income

Parents leave baby at airport counter after refusing to buy extra ticket

A couple were checking in for a flight from Ben Gurion International Airport to Brussels, Belgium on Tuesday when they made the decision to leave their baby behind. Upon their arrival at the airport check-in desk in Tel Aviv, Israel, it was revealed that the baby did not have a ticket. Rather than address the situation and ensure their child’s safe travel, the pair opted to proceed to security without their stroller and its young occupant. The airline they were flying with, Ryanair, state on their website that "infants can be included in a flight reservation during the online booking process." Following their process for booking with an infant, a message will pop-up to let travellers know there is a €25 charge (approximately $39) for each one-way flight the baby participates in from an adult’s lap. If the adults want the baby to travel in a seat of its own with the proper equipment, a seat must be paid for. The parents, apparently, had not made such arrangements for their baby. The matter was referred to officials, as confirmed by a Ryanair spokeswoman. "These passengers travelling from Tel Aviv to Brussels presented at check-in without a booking for their infant,” she told CNN, “they then proceeded to security leaving the infant behind at check-in. "The check-in agent at Ben Gurion Airport contacted Airport Security, who retrieved these passengers, and this is now a matter for local police." Reports of the situation were confirmed by the Israeli Airport Authority, who provided a statement to CNN and offered some more information into what went on. "A couple and an infant with Belgian passports arrived for a flight at Terminal 1 without a ticket for the baby,” it read. “The couple also arrived late for the flight, once the check-in for the flight was closed. The couple left the infant seat with the baby and ran toward the security checks at Terminal 1 in an attempt to reach the boarding gate for the flight." A video allegedly from the airport at the time, staff can be heard expressing their sadness for the child. Another woman exclaims, “she left him there, I swear!” Ryanair staff also voiced their shock over the incident, telling N12, “we’re never seen anything like it.” Despite reports that the parents were detained, an Israel Police spokesman told CNN that the matter appeared to have been resolved by the time law enforcement arrived on the scene, stating that "the baby was with the parents and there's no further investigation." Images: Getty

Travel Trouble

The most feel-good way to recycle

Long-time Return and Earner "Scooter Dave" has been a keen participant in the NSW container deposit scheme since the program started, and the Illawarra local has returned 500,000 containers in that time. 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. 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. “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.” 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. 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> there are even more direct benefits for you. 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. “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. “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. The scheme is entirely funded by the beverage industry, aiming to place responsibility for container recycling firmly back with the industry. 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. “Return and Earn is an extraordinary example of how individual action can have a collective impact,” says Smalley. 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. 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. Choose your recycling experience To return your containers, you can choose from four types of return points, depending on what suits you and what is nearby. 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. <img src="https://oversixtydev.blob.core.windows.net/media/2023/01/Tomra1.png" alt="Return and Earn" width="741" height="423" /> 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. 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. 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>. Top tips for returning and earning When you’re ready to return your first collection of containers, here are some tips to make your experience even easier: <ul> <li>Download the Return and Earn app: use the app store available on your mobile phone. </li> <li>Sort your containers before you go: 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>Check if your containers are eligible: 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>Plan your trip: 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> 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. <iframe title="YouTube video player" src="https://www.youtube.com/embed/OYDROMQIDbU" width="560" height="315" frameborder="0" allowfullscreen="allowfullscreen"></iframe> 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> All images: supplied 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>.

Retirement Income

Unpaid and unequal: women’s extra workload affects mental wellbeing

Women do the bulk of unpaid domestic work globally and the added burden has an impact on their mental health – but surprisingly there’s little independent empirical research about this. Now, there is data, which shows the double burden of paid and unpaid work results in increased depressive or psychological distress for women as unpaid labour increases. Researchers at the University of Melbourne reviewed the evidence for the gendered nature of unpaid work and consequences for mental health among employed adults, <a href="https://www.thelancet.com/journals/lanpub/article/PIIS2468-2667(22)00160-8/fulltext" target="_blank" rel="noreferrer noopener">publishing</a> their results in Lancet Public Health. Public health researcher and lead author, Jen Ervin, says the research showed women were uniformly doing more unpaid work across every geographical and time setting. “What our review tells us is that, in addition to the economic penalty women experience carrying out most of the world’s unpaid labour load, there is a troubling mental health cost as well,” she says. While further research is needed, Ervin says the most widely acknowledged explanation for the impact on mental health is that the combined paid and unpaid workload triggers stress-related pathways. It also reduces time for activities known to be protective for mental health such as sleep, leisure and physical activity. The findings won’t come as a surprise to many, especially women, she says. Indeed. The study follows <a href="https://findanexpert.unimelb.edu.au/news/47524-yet-again--the-census-shows-women-are-doing-more-housework.-now-is-the-time-to-invest-in-interventions" target="_blank" rel="noreferrer noopener">census data</a> confirming (once again) that Australian women do more hours of unpaid housework than men. And <a href="https://cew.org.au/2022-cew-census-an-urgent-wakeup-call-ceo-gender-balance-100-years-away/" target="_blank" rel="noreferrer noopener">another report</a> this week commissioned by Chief Executive Women indicating caring responsibilities in the pandemic held back progress on women’s workforce participation and leadership. For what seems like an intractable problem, what can be done to change things? Ervin says, “we believe that policies such as universal childcare and normalising flexible working arrangements and extended paternity leave for men can help in shifting the dial and driving greater gender equality in the division of unpaid labour and unpaid care. <div class="newsletter-box"> <div id="wpcf7-f6-p205326-o1" class="wpcf7" dir="ltr" lang="en-US" role="form"> <form class="wpcf7-form mailchimp-ext-0.5.62 spai-bg-prepared init" action="/health/womens-unpaid-work-and-mental-health/#wpcf7-f6-p205326-o1" method="post" novalidate="novalidate" data-status="init"> <input class="wpcf7-form-control wpcf7-text referer-page" name="referer-page" type="hidden" value="https://cosmosmagazine.com/health/" data-value="https://cosmosmagazine.com/health/" aria-invalid="false" /> </form> </div> </div> “Some of these measures will also aid and facilitate the harder task of shifting some of the outdated attitudes and beliefs around labour division.” It’s important to note many men are taking a more active role in childcare and housework. But men can be limited in doing so by factors such as inflexible workplace arrangements or social stigma, she says. The University of Melbourne research focussed on employed adults, the ‘double burden’ effect of combining paid work with unpaid work, and how this subsequently creates issues of overload and time poverty. It found substantial gender differences. Of the 14 studies reviewed for the article – totalling more than 66,800 participants worldwide – five examined unpaid labour (inclusive of care), nine examined housework time and, of these, four also examined childcare. Overall, in 11 of the 14 studies, women self-reported increased depressive or psychological distress symptoms with increasing unpaid labour demands. For men, only three out of a possible 12 studies reported any negative association. An aspect not captured in the current review, Ervin says, is the difference in the gendered allocation of household tasks. For example, men often do less-time-sensitive outdoor or maintenance tasks such as mowing the lawn or cleaning the gutters. These jobs aren’t as time-pressured as feeding a hungry child or driving them to an appointment. And while more difficult to measure, <a href="https://www.tandfonline.com/doi/abs/10.1080/13668803.2021.2002813?journalCode=ccwf20" target="_blank" rel="noreferrer noopener">other research</a> shows women are also often carrying more of the mental load of household labour. Unfortunately, Australia is lagging behind many other countries when it comes to key gender equality indicators such as unpaid labour division, Ervin says. This week a <a href="https://cew.org.au/2022-cew-census-an-urgent-wakeup-call-ceo-gender-balance-100-years-away/" target="_blank" rel="noreferrer noopener">report</a> commissioned by Chief Executive Women drew attention to the lack of progress made by Australia’s top companies in appointing women to leadership roles. The report, prepared by management consultants Bain & Company, says 73% of executive roles in ASX300 companies are held by men, and 85% of line management roles. The report says COVID-19 set back women’s workforce participation, as they took on the bulk of the increased caring responsibilities. This is consistent with <a href="https://findanexpert.unimelb.edu.au/news/47524-yet-again--the-census-shows-women-are-doing-more-housework.-now-is-the-time-to-invest-in-interventions" target="_blank" rel="noreferrer noopener">findings</a> from other University of Melbourne research showing the “catastrophic” impact of the pandemic on women’s lives, especially for mothers. Restrictions such as school closures and remote learning added to the domestic workload for everyone, but the gender gap remained. Women, more often than men, reduced their paid work to meet the increased demands. The Murdoch Children’s Research Institute also <a href="https://cosmosmagazine.com/health/mental-health-maternal-lockdown/" target="_blank" rel="noreferrer noopener">reported</a> maternal wellbeing was profoundly impacted by the pandemic, finding a third of women experienced clinically significant mental health problems during Victoria’s second lockdown, with ongoing fatigue and parenting stress.  <img id="cosmos-post-tracker" style="opacity: 0; height: 1px!important; width: 1px!important; border: 0!important; position: absolute!important; z-index: -1!important;" src="https://syndication.cosmosmagazine.com/?id=205326&title=Unpaid+and+unequal%3A+women%26%238217%3Bs+extra+workload+affects+mental+wellbeing" width="1" height="1" />  <div id="contributors"> <a href="https://cosmosmagazine.com/health/womens-unpaid-work-and-mental-health/" target="_blank" rel="noopener">This article</a> was originally published on <a href="https://cosmosmagazine.com" target="_blank" rel="noopener">Cosmos Magazine</a> and was written by <a href="https://cosmosmagazine.com/contributor/petra-stock" target="_blank" rel="noopener">Petra Stock</a>. Petra Stock has a degree in environmental engineering and a Masters in Journalism from University of Melbourne. She has previously worked as a climate and energy analyst. Image: Getty Images </div>

Mind

E.T. the Extra-Terrestrial at 40 – a deep meditation on loneliness, and Spielberg’s most exhilarating film

40 years ago this month saw the release of Steven Spielberg’s <a href="https://www.imdb.com/title/tt0083866/" target="_blank" rel="noopener">E.T. the Extra-Terrestrial</a> – a film about a stranded alien, the boy called Elliott who discovers it and a bond of friendship that remains as magical and heartbreaking as it did back in 1982. We think of Spielberg movies today as thrilling roller-coaster rides, full of sharks, dinosaurs and swashbuckling archaeologists. Yet for me, E.T. remains Spielberg’s most exhilarating work: a deep meditation on loneliness, friendship and growing up in small-town America. Aided by John Williams’s Oscar-winning score and Henry Thomas and Drew Barrymore’s touching performances, E.T. feels both of its time and for all time. As Spielberg <a href="https://www.contactmusic.com/pages/et2x21x03x02" target="_blank" rel="noopener">once said</a>: I think that E.T. is for the people we are, the people we have been and the people we want to be again. <h2>A child in need of a friend</h2> After the breathless trio of Jaws (1975), Close Encounters of the Third Kind (1977) and Raiders of the Lost Ark (1981), Spielberg wanted to make a more intimate film about his isolated childhood in suburban Arizona <a href="https://www.independent.co.uk/arts-entertainment/films/news/steven-spielberg-et-divorce-parents-anniversary-b2063879.html" target="_blank" rel="noopener">as he came to terms</a> with the divorce of his parents. At the same time, he had commissioned a script about a suburban family terrorised by a group of aliens with one befriending the family’s son. The DNA of both stories would make their way into this film. Like Spielberg, Elliott is a loner. He’s not playing sport, or going out with girls or getting into trouble. He is introverted and thoughtful. And in need of company. One of Spielberg’s great underrated talents is his direction of children. Many of his films feature young children at their centre – think The BFG (2016), A.I. (2001) and War Horse (2011). In E.T., Henry Thomas and Drew Barrymore as brother and sister Elliott and Gertie bring credibility and pathos to their roles, fitting seamlessly into the southern Californian ‘burb culture recreated so fondly by the director. Spielberg’s grasp of childlike wonder is everywhere: notice how he shoots from the children’s eye level and shows adults only from the waist down. For the first time in his career, Spielberg rejected storyboards and <a href="https://ascmag.com/articles/spielberg-et-the-extraterrestrial" target="_blank" rel="noopener">shot scenes chronologically</a>, allowing Thomas and Barrymore time and space to improvise. The domestic and school scenes (hiding E.T. from the mother, tempting it into the house with Reese’s Pieces, freeing frogs destined for dissection) all feel more real because of this. <h2>And what of our alien?</h2> Before E.T., Hollywood saw aliens as hostile critters intent on planetary carnage. The recent extra-terrestrials in Alien (1979) and The Thing (1982) had caused havoc and trauma. E.T. is different: partly modelled on the facial features of Albert Einstein, it is inquisitive, thoughtful, funny. In the delightful Halloween scene, Elliott throws a white sheet over it as a disguise, and E.T. suddenly spots a child dressed up as Yoda, excitedly repeating “Home! Home!”. From this moment, Hollywood realised the marketing potential of “cute aliens”; whether Ewoks, Grogu or Toy Story’s “Little Green Men”. It is small wonder that Variety <a href="https://variety.com/1982/film/reviews/e-t-the-extra-terrestrial-1200425287/" target="_blank" rel="noopener">praised</a> E.T. as the “best Disney film Disney never made”. The alien plays another role too: it fills the void of the absent father. Paternal lack and the strains it places on families is a familiar trope in Spielberg’s films, from Jurassic Park (1993) to Catch Me If You Can (2002) to Indiana Jones and the Last Crusade (1989). All we know is that Elliott’s father is “in Mexico, with Sally”: left behind is a stressed mother and bickering siblings. Some contend that E.T. is a <a href="https://www.jstor.org/stable/4239568?seq=1" target="_blank" rel="noopener">modern-day fairy tale</a> or <a href="https://www.nytimes.com/1982/08/15/movies/l-film-mailbag-is-et-a-religious-parable-073792.html" target="_blank" rel="noopener">a Christian parable</a>. For others, it is an illustration of “<a href="https://edoc.hu-berlin.de/bitstream/handle/18452/23096/9783631837801%20%E2%80%93%20Echoes%20of%20Reaganism%20in%20Hollywood%20Blockbuster%20Movies%20from%20the%201980s%20to%20the%202010s.pdf?sequence=1&isAllowed=y" target="_blank" rel="noopener">Reaganite entertainment</a>”, upholding the sanctity of the nuclear family but distrustful of bureaucratic interference and governmental surveillance. <h2>Spielberg at his best</h2> E.T. earned US$800 million at the box office. Adjusted for inflation, four decades on, that is still the <a href="https://en.wikipedia.org/wiki/List_of_highest-grossing_films_in_the_United_States_and_Canada#Adjusted_for_ticket-price_inflation" target="_blank" rel="noopener">fourth highest grossing</a> movie ever. For some naysayers, its success was further evidence of the special effects-laden, high-concept spectacle film that was beginning to reign in mainstream film culture. But I think E.T. is much more than that: it is a movie with a heart. The special effects are minimal. What counts is the story, and the boy and his friend. Spielberg’s films are to this day <a href="https://www.indiewire.com/2011/12/critics-notebook-putting-steven-spielberg-on-trial-50244/" target="_blank" rel="noopener">criticised</a> as mawkish and overly sentimental, deliberately engineered to cynically manipulate our emotions. Not so in E.T.: the pleasure is genuine and the tears are earned. E.T. became a pop culture phenomenon. The shot of Elliott and E.T. on a bike, flying across the moon, remains an iconic image. “Phone home” has become part of our lexicon. Its message of peaceful coexistence between creatures from different worlds today seems more appropriate than ever. Aliens stranded on earth are a staple of contemporary cinema, from Under the Skin (2013) to The Iron Giant (1999). And Netflix’s current global hit Stranger Things contains a treasure trove of E.T.’s visual references. Spielberg may have made bigger, louder films, and more historically profound ones, but E.T. endures as his best. This article originally appeared on <a href="https://theconversation.com/e-t-the-extra-terrestrial-at-40-a-deep-meditation-on-loneliness-and-spielbergs-most-exhilarating-film-183985" target="_blank" rel="noopener">The Conversation</a>. Image: Shutterstock

Movies

Bride charges extra for uninvited guests - but there's a catch

A bride has shared on a popular Reddit forum that she charged one of her wedding guests for bringing two uninvited children to the reception. "It was a small wedding at a small venue that has a strict capacity due to fire codes," the bride explained the reasoning as to why the guest list was strictly kept to invitees only. "One of my guests showed up with her two children, who were not invited, not in the RSVP, and obviously not in the seating chart." "She came in, decided to seat them at her table, taking away the spots of my other guests who were actually invited," the bride continued. "A small commotion broke out when she refused to give those seats back, and the venue manager noticed and said that we'd be charged a fine for exceeding capacity, as stated in the contract." The bride says when she got the bill for the reception, which included the costs of the uninvited children, she sent it to the guest and asked that she pay. "She claimed that it is not her fault, and that I should have factored in unforeseen charges when budgeting for my wedding," the bride said of the guest's response. "And she couldn't find a babysitter, so she had no choice, and that I should be grateful she took the effort to attend my wedding anyway." Reddit users quickly sided with the bride, but there were some responses that had added nuances. "Your ex-friend is [the asshole]. Drop her like a hot potato," one user declared. "She definitely had a choice – she could have stayed home with her two kids. There shouldn't be unforeseen charges at a wedding, especially not ones involving people that were NOT invited. One user, however, said the bride had some responsibility for how the situation played out. "You should have kicked her out when she showed up with [plus two]," they wrote. "You let one guest take two other guests' seats. When a 'commotion' started, you should have booted her and the kids." Image: Getty

Relationships

Are you ready for a bit of extra pocket money?

Millions of Aussies will receive a bit of extra pocket money to help combat the rising cost of living. With the cost of petrol now sitting at $2.40 a litre, and fruit and vegetables having soared in price - Aussies are really struggling. As of March 21, singles under the age, disability support and carer payments scheme will receive an extra $20.10 a fortnight, adding up to $987.60. Couples under the same payments will receive an extra $30.20 a fortnight, adding up to $1,488.00. Senior Australians will also be able to access part of their pension earlier on as the asset test limit increases. For a single homeowner, it has increased by $6,750 to $599,750 and for a couple it has gone up by $10,000 to $901,500. Single Jobseeker recipients will receive a $13.20 jump in their pay up to $629.50, while those under Parenting Payment Singles scheme will get an extra $18.20 to $874.10. Help for renters will also be increased to $145.80 for singles a fortnight and $193.62 for families. Social Services Minister Anne Ruston described the 2.1 per cent increase to pension payments as the largest since 2013. “It gives us a higher weighting to fuel and transport costs in recognition of their significance to pensioners, which helps ensure the rate of the age pension maintains senior Australians’ purchasing power in the economy,” she said. Labor Leader Anthony Albanese however slammed the Federal Government for being out of touch and claiming the increase would help. “This government is so out of touch that they’re prepared to spin out there saying how well pensioners are going to be off,” he said. “When they get to the supermarket to buy products they find that everything‘s gone up. “The rise in the pension will not keep up with the costs of living. Pensioners are doing it really tough at the moment.” Image: Shutterstock

Money & Banking

David Campbell's emotional tribute to Bob Saget

Image: Getty David Campbell, host of Today Extra, recently shared a tribute to Bob Saget, after the Full House star was found dead at 65 this week. “I was so excited and nervous to interview Bob Saget on the show," David shared on Instagram alongside a photo of himself with Bob Saget and fellow host Sonia Kruger. <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-captioned="" data-instgrm-permalink="https://www.instagram.com/p/CYiK7ICruM0/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"></div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"></div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"></div> </div> </div> <div style="padding: 19% 0;"></div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"></div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <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/CYiK7ICruM0/?utm_source=ig_embed&utm_campaign=loading" target="_blank">A post shared by David Campbell (@davidcampbell73)</a> </div> </blockquote> "I needn’t have been nervous. He was charming and generous every time we spoke. He stayed in touch once in a while through socials and made you feel like a friend. We spoke again late last year," he continued. "Sometimes stars are so down to earth, you forget how many people they touched just by saying hi. Bob was one of those. My kids are now watching Fuller House. "Thanks for giving us joy Bob. RIP." Along with his iconic near 10-year role on Full House, Bob Saget also hosted America's Funniest Home Videos from 1989 to '97 and made a name for himself with his raunchy brand of standup comedy. Fellow Channel Nine star Sylvia Jeffereys commented on David's post, also sharing her shock at the tragic news. "Oh no, this is so sad. Such a kind and generous, approachable man. May he rest In peace," she wrote. Tributes have been flooding social media since news of Bob Saget's death was confirmed. "I am broken. I am gutted. I am in complete and utter shock. I will never ever have another friend like him. I love you so much Bobby," John Stamos tweeted in a heartfelt tribute to his former Full House co-star. Co-stars Mary-Kate and Ashley Olsen also shared a rare public statement, revealing they were “deeply saddened”. "Bob was the most loving, compassionate and generous man. We are deeply saddened that he is no longer with us but know that he will continue to be by our side to guide us as gracefully as he always has,” they said.

Caring

Why dogs often need extra magnesium

It’s well-known that dogs need all the vitamins and minerals we do and one of the key nutrients is magnesium because a lack of it can cause all sorts of symptoms in dogs - in fact every time your pet moves a muscle, experiences a heartbeat or has a thought, magnesium is needed to help them achieve this. It’s little wonder many of our pets are deficient in magnesium because they share the same deficiencies as their human masters. Magnesium is very very depleted in the foods we eat these days, especially when processed. We live in a fast-food world of packets and tins, where you can bet that this type of food provides little or no magnesium benefit. <img style="width: 0px; height: 0px;" src="/nothing.jpg" alt="" data-udi="umb://media/4ebccce85d434292a659825f62146daa" />Even fresh produce can be lower in magnesium than it should be simply because the soils have become depleted of magnesium. You only have to add to this the fact that we humans and our animals lose more magnesium when we’re under stress and you can see why magnesium deficiency is very common. Many vets are aware of the importance of magnesium: <a href="https://www.shailenjasani.com/about-me/">Shailen Jasani</a> is a veterinary surgeon specialising in Emergency and Critical Care in the UK. He says magnesium can be used as a medication with an escalating role in critical care medicine, and: “Magnesium plays a pivotal role in cellular energy production and cell-specific functions in every organ of the body.” <img style="width: 0px; height: 0px;" src="/nothing.jpg" alt="" data-udi="umb://media/85906281a5614ccabe340ad9dba28740" /><img style="width: 500px; height: 281.25px;" src="https://oversixtydev.blob.core.windows.net/media/7844389/dog-magnesium-7-um.jpg" alt="" data-udi="umb://media/85906281a5614ccabe340ad9dba28740" /> Some symptoms of magnesium deficiency in dogs are: <ul> <li>Muscle weakness or trembling</li> <li>Hyperactive or improperly triggered reflexes</li> <li>Difficulty walking</li> <li>Muscle pain</li> <li>Heart arrhythmia</li> <li>Lethargy or abnormal behaviour</li> <li>Constant scratching or itching</li> <li>Difficulty sleeping</li> </ul> Causes of magnesium deficiency in dogs: <ul> <li>Excessive stress, trauma or injury</li> <li>Chemical and toxic exposures</li> <li>Malnutrition</li> <li>Diabetes</li> <li>Kidney damage</li> <li>Treatment with diuretics</li> <li>Digestion problems and disease inhibiting absorption of nutrients</li> </ul> <img style="width: 0px; height: 0px;" src="/nothing.jpg" alt="" data-udi="umb://media/c55421473c194494a9d4b17c12776f85" />More serious symptoms of heart arrhythmia: If you feel your dog is showing signs of magnesium deficiency, this should be checked out quickly to avoid serious problems. Take your dog to the vet and they’ll listen to your dog’s heart. If any abnormality is detected they’ll probably order an ECG. An ECG is a medical device which displays the patterns of your dog’s heartbeat on a screen using terminals taped to your dog’s chest. This is a simple machine and most vets have one. The classic signs of low magnesium are prolonged PR intervals, widened QRS complexes, depressed ST segments and peaked T-waves. Lower magnesium levels are also associated with hyperactivity, anxiety and agitation. You can tell if this applies to your dog if it’s hard for your dog to relax and calm down. Other minerals are also affected by magnesium deficiency in dogs Sure, there are other electrolyte minerals required by both humans and dogs. We need sodium, potassium and calcium as well, but these are all dependent to some degree on the action of the magnesium because magnesium underpins and leverages their effect. The main electrolyte team in addition to magnesium – sodium, potassium and calcium – is necessary for some very important functions, including muscle movement, proper heart function and nervous system signalling. For example, if you or your dog have plenty of magnesium, your body doesn’t need quite as much calcium to get the calcium jobs done because magnesium organises and controls calcium’s use in the body. It turns out magnesium is the ‘Master Mineral’ electrolyte regulator in the electrical system. If it drops too low, calcium can cause a lot of havoc as free calcium depositing where it shouldn’t, or over-stimulating muscle cells. Therefore, as magnesium drops lower, it can lead to the other three minerals losing effect. Studies have shown potassium suffers when magnesium is too low, as we can lose too much potassium due to membrane ‘leakiness’ when magnesium is deficient. If you lose too much potassium from inside the cell it can cause heart attacks. The potential knock-on effects are muscle weakness and tremors, as well as heart arrhythmias. As these issues escalate, they can become fatal. <img style="width: 500px; height: 281.40454995054404px;" src="https://oversixtydev.blob.core.windows.net/media/7844390/dog-magnesium-6-um.jpg" alt="" data-udi="umb://media/c55421473c194494a9d4b17c12776f85" /><img style="width: 0px; height: 0px;" src="/nothing.jpg" alt="" data-udi="umb://media/9af68fa91aa74ea2b77b8d6ace500442" /> What does all of this mean for your dog? People who own racing dogs have seen how much magnesium helps. They often apply magnesium oil to the legs of their dogs so they can recover better from their events. Without the extra magnesium the dogs develop intense and involuntary muscle tremors and spasms. This is also a helpful strategy for all athletes who undertake extreme sports and gruelling training. If your dog is behaving strangely and seems to be in pain or having trouble walking, take your pet to a vet straight away so they can check exactly what’s happening. Sometimes it might be a toxin from a tick or snake bite which is causing these issues, because these types of toxins block the electrical system. Magnesium deficiency is something which tends to grow over time. You’ll be able to notice symptoms creeping in slowly, and escalating if left untreated. If you’re worried about your dog’s health because he/she is behaving strangely with symptoms like sensitivity to stress or noises, anxiety, muscle weakness and changes to gait, or skin issues with constant scratching not due to fleas, then your vet will likely order a blood electrolyte test. This measures the amount of minerals such as magnesium, potassium, calcium and sodium in your pet’s blood, in addition to some other common electrolytes. So, once you’ve done this you’ll be able to see what your dog is low in. Treatment of magnesium deficiency in dogs If you’re feeding your dog with a variety of fresh food, but suspect magnesium deficiency (perhaps due to stress or exertion), then you can test this by applying magnesium as a magnesium spray, lotion or cream on the underbelly or legs – wherever you can get it past the fur to the skin. Avoid application of the cream to broken skin as it may sting, but rather apply to surrounding area. Apply regularly every day until the inflammation subsides. You can also add food grade magnesium chloride flakes to your dog’s drinking water every day. You can make these changes and then check to see if the symptoms they’ve been showing tend to ease. Or you can use a transdermal magnesium cream and find a way to rub this on your dog’s skin. Dogs usually love a massage so just rub in one or two teaspoons of <a href="https://www.elektramagnesium.com.au/shop/magnesium-pet-cream-50g-jar/">Magnesium Cream for Dogs</a> (Pet Cream). If your dog has developed magnesium deficiency, it’s best to keep applying the cream regularly, as well as adding the <a href="https://www.elektramagnesium.com.au/shop/magnesium-flakes/">Magnesium Chloride Flakes</a> to their drinking water, to prevent the magnesium deficiency symptoms from coming back. Images: Shutterstock

Family & Pets

Sylvia Jeffreys returns to Today Extra

Sylvia Jeffreys has made a triumphant return to co-hosting Today Extra. After spending time away on maternity leave, Sylvia was welcomed back on Monday morning by Today host, and her brother in law, Karl Stefanovic. "Today is a big day on Today Extra - Sylvia Jeffreys is back everyone". Sylvia said she felt elated to be back at work alongside her co-host David Campbell. "I've had a long shower and a hot coffee so it's basically my birthday," she said, before joking she was "free as a bird". "I'm feeling very good and all the better for seeing all your beautiful faces in real life this morning. "And I'm never going home again. It's too nice wearing make-up." <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/COo_6guL1CZ/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="13"> <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/COo_6guL1CZ/?utm_source=ig_embed&utm_campaign=loading" target="_blank">A post shared by Sylvia Jeffreys (@sylviajeffreys)</a> </div> </blockquote> Sylvia went on maternity leave in March, as she and her husband Pete Stefanovic welcome their second child in April. Henry George became the newest member of the family, alongside big brother Oscar who was born in February 2020. Sylvia shared the news of Henry's birth to her 260,000 Instagram followers, just days after celebrating her four year wedding anniversary with Pete. The two journalists got married in a stunning outdoor ceremony held at the exclusive Ooralba Estate New South Wales’ picturesque Kangaroo Valley in 2017. Image credit: Getty Images

"Of course I'm not ok": David Campbell in tears on set

David Campbell was left in tears after he watched a viral video during Today Extra, on Friday. The TV host revealed they’d be giving viewers some “Friday feels,” but his co-host couldn’t have been prepared for Campbell’s emotional response. US toddler Benjamin Olson has not been able to make too many friends during the pandemic, but thankfully his beautiful 99-year-old neighbour Mary was the perfect fit for the tiny tot. As video of the pair playing rolled, it proved too much for David, who was sporting pajamas for National Pyjama Day. Today is National Pyjama Day where thousands of Aussies are wearing their PJ's to work or school in support of children in foster care. 💙 <a href="https://twitter.com/hashtag/9Today?src=hash&ref_src=twsrc%5Etfw">#9Today</a> <a href="https://t.co/ovypiJinNP">pic.twitter.com/ovypiJinNP</a> — The Today Show (@TheTodayShow) <a href="https://twitter.com/TheTodayShow/status/1418355931088310272?ref_src=twsrc%5Etfw">July 22, 2021</a> "Don't," he said. When cameras panned back to David, he was wiping his eyes. "That was just so nice and I wasn't ready for it," he said. His co-host Belinda Russell asked if he was OK. "No," he responded. <img style="width: 500px; height:281.25px;" src="https://oversixtydev.blob.core.windows.net/media/7842637/9news-david-campbell.jpg" alt="" data-udi="umb://media/d510356ff5b14b8d8179d95593bbcd7c" /> Image: Supplied "It's week four of lockdown. Of course I'm not ok. I'm crying at a video, it's 9:17." You can watch the adorable clip on their <a rel="noopener" href="https://9now.nine.com.au/today/viral-video-leaves-david-campell-in-tears/724e037d-fb03-4b11-8921-e86478b8cadd?ocid=social-today" target="_blank">site.</a>

Caring

"Holy guacamole!!": Today Extra host tries avocado hack that REALLY works

<div class="body_text redactor-styles redactor-in"> A DIY avocado hack that's gone viral on TikTok really works, according to Today Extra co-host Belinda Russell. The hack shows a really fast and smooth way to remove an avocado seed. "Holy guacamole!! Saw this hack a few months ago and I finally got to "avo-go" to see if it works. 🥑🤯" she captioned the video. "I saw this on TikTok about a month ago, and I haven't tried it out yet, so let's give this a go," the 43-year-old says in the beginning of the video as she picks up half of an avocado with a seed in it. <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-captioned="" data-instgrm-permalink="https://www.instagram.com/reel/CRghPGODpg0/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="13"> <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/reel/CRghPGODpg0/?utm_source=ig_embed&utm_campaign=loading" target="_blank">A post shared by Belinda Russell (@belinda.russell)</a> </div> </blockquote> According to Russell, instead of using a knife, you put your index finger and middle finger in a V-like shape under the seed while cupping the back of the avocado with your thumb. Once you apply pressure to the seed, it should "pop" out. Many were impressed that the hack actually worked and appreciated the how-to video (which broke down the "pop" of the seed in slow motion). "Oh my, where have you been all my life. I'd have 10 fingers otherwise", one commenter joked. </div>

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"Holy guacamole!!": Today Extra host tries avocado hack that REALLY works

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