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"Someone is going to die": Kerri-Anne slams "irresponsible" Elle Macpherson interview

<p>Kerri-Anne Kennerley has slammed Elle Macpherson for announcing that she allegedly "cured" her breast cancer after shunning the advice of doctors and opting for "holistic" treatment paths instead, while also taking aim at <em>60 Minutes</em> for airing an interview with the supermodel where she doubled down on her beliefs. </p> <p>In her new memoir, <em>Elle: Life, Lessons, and Learning to Trust Yourself</em>, Macpherson revealed that at the age of 53, she was <a href="https://oversixty.com.au/health/caring/elle-macpherson-reveals-secret-battle-with-cancer" target="_blank" rel="noopener">diagnosed</a> with breast cancer and decided to go against doctors orders for her treatment. </p> <p>The 60-year-old recalled how her doctors recommended a mastectomy with radiation, chemotherapy, hormone therapy, plus reconstruction of her breast to fight the illness, and how she instead decide to forge her own path of "holistic wellness" to beat the disease without the use on conventional medicines, which she claims "cured" her cancer. </p> <p>“It really gave me an opportunity to dig deep in my inner sense to find a solution that worked for me," she told <em>Australian's Women's Weekly</em>. “It was a wonderful exercise in being true to myself, trusting myself and trusting the nature of my body and the course of action that I had chosen.”</p> <p>Macpherson then doubled down on her decision in an exclusive interview with <em>60 Minutes</em> on Sunday, in which she claimed that there is “no possibility” of her breast cancer recurring given “the body has the infinite capacity to heal”, and making the bizarre remark that it’s “fear” that actually makes people ill. </p> <p>Kerri-Anne Kennerley, who is also a survivor of breast cancer, was one of <a href="https://oversixty.com.au/health/caring/shockingly-irresponsible-elle-macpherson-slammed-for-holistic-cancer-treatment" target="_blank" rel="noopener">many</a> who found problems with the interview, as she said it was dangerous for the news program to broadcast such information. </p> <p>“Think of the poor oncologists, surgeons and doctors today … inundated with phone calls from people (saying) ‘I’m rethinking my treatment because Elle Macpherson said this and that’,” she told <a href="https://www.theaustralian.com.au/business/media/someone-is-going-to-die-kerrianne-kennerleys-warning-on-elle-macphersons-breast-cancer-message/news-story/39ddfd8c848375d1690faeb50b391e18" data-tgev="event119" data-tgev-container="bodylink" data-tgev-order="39ddfd8c848375d1690faeb50b391e18" data-tgev-label="business" data-tgev-metric="ev"><span id="U841616461166fgF"><em>The Australian</em>.</span></a></p> <p>“I understand Elle … did what she thought was good for her personally, but the very fact she has resisted any other medical treatment … absolutely terrifies me.”</p> <p>“Without question, it will result in the future that somebody will take that line and feel confident enough to try and do it themselves naturally, and someone is going to die.”</p> <p>Kennerley, who was diagnosed with breast cancer in 2012, said the <em>60 Minutes</em> report should've been more "balanced" by having expert testimony from doctors as a counterargument to Elle's claims. </p> <p>“(<span id="U841616461166N1H">60 Minutes </span>reporter) Tracy (Grimshaw) did a piece to camera about it. But to be seriously responsible, you have to have an oncologist who could actually balance Elle’s remarks,” Kennerley said. </p> <p>“I believe <em><span id="U84161646116646C">60 Minutes</span></em> was irresponsible by not having an oncologist who would give an alternative point of view. Elle’s given her natural point of view, and she’s followed through with it. They should have absolutely gotten an oncologist that said ‘as an oncologist, I’ve seen this type of cancer and many other types of cancers in my 30-year career. People who have not followed the advice have died.'”</p> <p><em>Image credits: 60 Minutes / Instagram</em></p>

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The biggest faux pas for self-funded retirees

<p>Whether you have been retired for some time or are still looking forward to the time you can step back, chances are there are important considerations you may have overlooked.</p> <p>From planning and pensions to family and housing, these are the biggest self-funded retirement mistakes I come across, and some insights into how to avoid repeating them:</p> <ol> <li><strong>Lack of a plan</strong></li> </ol> <p>Not having a retirement plan is perhaps the most basic faux pas, but often the most costly.</p> <p>A detailed plan should cover things like:</p> <ul> <li>When you AND your partner will retire </li> <li>Where you will live (you may want to downsize, relocate, seek assisted living)</li> <li>Anticipated living costs (living situation, health, lifestyle)</li> <li>How you will spend your time (hobbies, travel, volunteering, time with family)</li> <li>Strategies to maximise investments and superannuation</li> <li>Tax minimisation strategies</li> </ul> <p>Remember: failing to plan = planning to fail.</p> <ol start="2"> <li><strong>Poor planning</strong></li> </ol> <p>Having a plan is the starting point, but it won’t get you far if it’s incomplete, not updated as circumstances change, or omits critical factors.</p> <p>For couples, not considering age differences is a big mistake. One partner retiring before the other can have big shifts on financial and tax dynamics and even the relationship itself. Then there is end-of-life care, particularly if the younger partner is still working.</p> <p>Not building in a safety buffer is another no-no. Too many retirees have been caught out by the high inflation of recent years, having calculated their anticipated income needs on much lower living costs.</p> <p>Balance short-term and long-term goals: being overly conservative early on can limit your financial situation down the track.</p> <p>And no plan is complete without contingencies for worst case scenarios – insurances, protections, back-up options.</p> <ol start="3"> <li><strong>Insecure housing </strong></li> </ol> <p>Government data has long shown major differences in quality of life for retirees who own their home versus those who don’t. </p> <p>Homelessness or insecure housing, the mercy of the rental market, and inability to customise your home as you age or if you need specialised support with disability or health issues are some of the challenges renters face.</p> <p>Furthermore, public estimates of how much the average Australian needs to retire typically assume home ownership – meaning rent is not part of that calculation. That’s a huge living cost you may not have factored into your retirement planning. </p> <ol start="4"> <li><strong>Unclaimed pensions</strong></li> </ol> <p>Contrary to popular belief, self-funded retirement and claiming a pension are not mutually exclusive. </p> <p>You may be eligible for a part-pension, calculated pro-rata according to the value of your assets and other income. Claiming a part-pension, no matter how small it may be, reduces how much income you need to draw down from super – making it last longer. </p> <p>Don’t fall into another common trap when applying – overestimating your assets. It’s easy to assume your non-monetary assets are worth more than what they really are, reducing how much pension you receive or negating your eligibility altogether.</p> <ol start="5"> <li><strong>Depleted Bank of Mum and Dad</strong></li> </ol> <p>With home ownership increasingly out of reach for younger adults, the Bank of Mum and Dad is often sought to bridge the gap. How you do so will impact your own situation.</p> <p>Giving more than you can afford can leave you overstretched. Missed loan repayments could see you fall behind on your own bills. Not putting agreements in writing can lead to disputes down the track. Having a loan guarantee called in could see you homeless.</p> <p>Be wise about decisions you make here and don’t let heartstrings cloud your judgement.</p> <ol start="6"> <li><strong>Suffering in silence</strong></li> </ol> <p>Elder abuse is a sad but significant problem. Given they have money in the bank, self-funded retirees are often the most vulnerable.</p> <p>Its effects can be far-reaching, impacting your mental and physical health, financial wellbeing, social interactions, and quality of life.</p> <p>Be aware of <a href="https://www.oversixty.com.au/finance/retirement-income/are-you-a-victim-of-elder-abuse-without-even-realising-it">the signs that something isn’t right</a>. If you recognise it happening to you – or someone you know – speak up and seek help. </p> <ol start="7"> <li><strong>Forgoing professional advice</strong></li> </ol> <p>How much of the above details did you already know? Chances are, not all of them. And that’s just the tip of the iceberg.</p> <p>Money is a complicated business and you simply don’t know what you don’t know, which is why seeking independent, tailored advice from a professional is so important. </p> <p>A good financial advisor can help you identify new opportunities and manage risks you may not have considered, limit expenses and also work with your accountant to minimise your tax.</p> <p><strong><em>Helen Baker is a licensed Australian financial adviser and author of On Your Own Two Feet: The Essential Guide to Financial Independence for all Women. Helen is among the 1% of financial planners who hold a master’s degree in the field. Proceeds from book sales are donated to charities supporting disadvantaged women and children. Find out more at <a href="http://www.onyourowntwofeet.com.au/">www.onyourowntwofeet.com.au</a></em></strong></p> <p><strong><em> Disclaimer: The information in this article is of a general nature only and does not constitute personal financial or product advice. Any opinions or views expressed are those of the authors and do not represent those of people, institutions or organisations the owner may be associated with in a professional or personal capacity unless explicitly stated. Helen Baker is an authorised representative of BPW Partners Pty Ltd AFSL 548754.</em></strong></p> <p><strong><em>Image credits: Shutterstock </em></strong></p>

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I’m iron deficient. Which supplements will work best for me and how should I take them?

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/alannah-mckay-1548258">Alannah McKay</a>, <a href="https://theconversation.com/institutions/australian-catholic-university-747">Australian Catholic University</a></em></p> <p>Iron deficiency is common and can be debilitating. It mainly affects women. One in three premenopausal women <a href="https://static1.squarespace.com/static/57bfc0498419c24a01318ae2/t/607fc2e06ace2f22d5ca9a43/1618985699483/20210421+-+IDC+-+economic+impact+of+iron+deficiency+-+FINAL.pdf">are low in iron</a> compared to just 5% of Australian men. Iron deficiency particularly affects teenage girls, women who do a lot of exercise and those who are pregnant.</p> <p>The <a href="https://pubmed.ncbi.nlm.nih.gov/11160590/">body needs iron</a> to make new red blood cells, and to support energy production, the immune system and cognitive function. If you’re low, you may experience a range of symptoms including fatigue, weakness, shortness of breath, headache, irregular heartbeat and reduced concentration.</p> <p>If a blood test shows you’re iron deficient, your doctor may recommend you start taking an oral iron supplement. But should you take a tablet or a liquid? With food or not? And when is the best time of day?</p> <p>Here are some tips to help you work out how, when and what iron supplement to take.</p> <h2>How do I pick the right iron supplement?</h2> <p>The iron in your body is called “elemental iron”. Choosing the right oral supplement and dose will depend on how much elemental iron it has – your doctor will advise exactly how much you need.</p> <p>The sweet spot is between <a href="https://www.sciencedirect.com/science/article/pii/S0098299720300364?via%3Dihub">60-120 mg of elemental iron</a>. Any less and the supplement won’t be effective in topping up your iron levels. Any higher and you risk gastrointestinal symptoms such as diarrhoea, cramping and stomach pain.</p> <p>In Australia, iron salts are the most common oral supplements because they are cheap, effective and come in different delivery methods (tablets, capsules, liquid formulas). <a href="https://www.ncbi.nlm.nih.gov/books/NBK557376/">The iron salts</a> you are most likely to find in your local chemist are ferrous sulfate (~20% elemental iron), ferrous gluconate (~12%) and ferrous fumarate (~33%).</p> <p>These formulations <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC3867244/">all work similarly</a>, so your choice should come down to dose and cost.</p> <p>Many multivitamins may look like an iron supplement, but it’s important to note they usually have too little iron – usually less than 20 mg – to correct an iron deficiency.</p> <h2>Should I take tablets or liquid formulas?</h2> <p>Iron contained within a tablet is <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC3867244/">just as well absorbed</a> as iron found in a liquid supplement. Choosing the right one usually comes down to personal preference.</p> <p>The main difference is that liquid formulas tend to contain less iron than tablets. That means you might need to take more of the product to get the right dose, so using a liquid supplement could work out to be more expensive in the long term.</p> <h2>What should I eat with my iron supplement?</h2> <p>Research <a href="https://onlinelibrary.wiley.com/doi/epdf/10.1002/ajh.26987">has shown</a> you will absorb more of the iron in your supplement if you take it on an empty stomach. But this can cause more gastrointestinal issues, so might not be practical for everyone.</p> <p>If you do take your supplement with meals, it’s important to think about what types of food will boost – rather than limit – iron absorption. For example, taking the supplement alongside vitamin C improves your body’s ability to absorb it.</p> <p>Some supplements already contain vitamin C. Otherwise you could take the supplement along with a glass of orange juice, or other <a href="https://ods.od.nih.gov/factsheets/VitaminC-HealthProfessional/">vitamin C-rich foods</a>.</p> <p>On the other hand, tea, coffee and calcium all <a href="https://onlinelibrary.wiley.com/doi/epdf/10.1002/ajh.26987">decrease the body’s ability to absorb iron</a>. So you should try to limit these close to the time you take your supplement.</p> <h2>Should I take my supplement in the morning or evening?</h2> <p>The best time of day to take your supplement is in the morning. The body can <a href="https://journals.lww.com/acsm-msse/fulltext/2019/10000/the_impact_of_morning_versus_afternoon_exercise_on.20.aspx">absorb significantly more</a> iron earlier in the day, when concentrations of hepcidin (the main hormone that regulates iron) are at their lowest.</p> <p>Exercise also affects the hormone that regulates iron. That means taking your iron supplement after exercising can <a href="https://journals.humankinetics.com/view/journals/ijsnem/32/5/article-p359.xml">limit your ability to absorb it</a>. Taking your supplement in the hours following exercise will mean significantly poorer absorption, especially if you take it between two and five hours after you stop.</p> <p><a href="https://journals.lww.com/acsm-msse/fulltext/2024/01000/iron_absorption_in_highly_trained_male_runners_.14.aspx">Our research</a> has shown if you exercise every day, the best time to take your supplement is in the morning before training, or immediately after (within 30 minutes).</p> <h2>My supplements are upsetting my stomach. What should I do?</h2> <p>If you experience gastrointestinal side effects such as diarrhoea or cramps when you take iron supplements, you may want to consider taking your supplement every second day, rather than daily.</p> <p>Taking a supplement every day is still the fastest way to restore your iron levels. But a recent study <a href="https://www.thelancet.com/journals/eclinm/article/PIIS2589-5370(23)00463-7/fulltext#%20">has shown</a> taking the same total dose can be just as effective when it’s taken on alternate days. For example, taking a supplement every day for three months works as well as every second day for six months. This results in fewer side effects.</p> <p>Oral iron supplements can be a cheap and easy way to correct an iron deficiency. But ensuring you are taking the right product, under the right conditions, is crucial for their success.</p> <p>It’s also important to check your iron levels prior to commencing iron supplementation and do so only under medical advice. In large amounts, <a href="https://www.ncbi.nlm.nih.gov/books/NBK430862/">iron can be toxic</a>, so you don’t want to be consuming additional iron if your body doesn’t need it.</p> <p>If you think you may be low on iron, talk to your GP to find out your best options.<!-- 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/235315/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/alannah-mckay-1548258">Alannah McKay</a>, Postdoctoral Research Fellow, Sports Nutrition, <a href="https://theconversation.com/institutions/australian-catholic-university-747">Australian Catholic University</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/im-iron-deficient-which-supplements-will-work-best-for-me-and-how-should-i-take-them-235315">original article</a>.</em></p> </div>

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Travel experts share their go-to hacks to transform your holiday

<p dir="ltr">A group of travel experts have shared their holy grail hacks to transform your next holiday. </p> <p dir="ltr">From the best days to book your flights, to how to score an upgrade at a hotel, these seasoned travellers told the <em><a href="https://www.dailymail.co.uk/travel/article-13772593/Twenty-one-travel-hacks-transform-holiday-trick-getting-hotel-upgrade-cheapest-days-book-flights-expert-advice-Mails-experts.html">Mail Online</a></em> how to get the most out of your next trip. </p> <p dir="ltr"><strong>Pay in the local currency </strong></p> <p dir="ltr">When you make a transaction via card in a foreign country, EFTPOS machines will often prompt you if you want to pay in your home currency or the local currency. </p> <p dir="ltr">By opting for the local currency, you can avoid potentially unfavourable currency conversions made by retailers, as the transaction will be made according to the standard daily rates set by Visa or MasterCard.</p> <p dir="ltr">Likewise, if withdrawing currency from a foreign ATM, always select the local currency to avoid paying the Dynamic Currency Conversion (DCC), which is effectively a way to squeeze more cash out of unwitting customers.</p> <p dir="ltr"><strong>Book a midweek flight </strong></p> <p dir="ltr">Travellers are usually keen to book flights between Thursday and Monday to line up with the beginning and end of the week. </p> <p dir="ltr">However, flights booked midweek, especially from Monday to Wednesday, are consistently around 20-30 per cent less than at the weekend.</p> <p dir="ltr"><strong>Connect with an eSim card</strong></p> <p dir="ltr">To avoid extortionate overseas data roaming charges, those travelling abroad should invest in an eSim card to keep using your phone on holiday. </p> <p dir="ltr">An eSim is cheaper and less hassle than dealing with buying an international physical Sim card, and can be changed for the best fees depending on regions.  </p> <p dir="ltr"><strong>Book your hotel direct </strong></p> <p dir="ltr">Many travellers opt to book their accommodation through a third-party after being enticed by deals, book now pay later schemes, or the abundance of options. </p> <p dir="ltr">However the <em>Daily Mail’s </em>Inspector hotel reviewer says “it almost always pays” to call and say you have seen a price that is lower than on the hotel’s website elsewhere.</p> <p dir="ltr">“Quite often you will get a lower rate, or an upgrade or a complimentary bottle in your room or a voucher for a drink at the bar,” the reporter says.</p> <p dir="ltr">By calling the hotel and asking them to match a price found on a third party site, you can often score the lower price, and even a better room. </p> <p dir="ltr"><strong>Never use airport currency exchange booths</strong></p> <p dir="ltr">Currency exchange booths at airports are notorious for jacking up their conversion fees, meaning unsuspecting travellers can pay more to get their own money. </p> <p dir="ltr">It’s best not to leave cash conversion until the last minute. In the weeks before your trip, shop around at other exchange offices to ensure you’re getting the best rate on your own cash.</p> <p dir="ltr"><em>Image credits: Shutterstock  </em></p>

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Is white rice bad for me? Can I make it lower GI or healthier?

<div class="theconversation-article-body"> <p><em><a href="https://theconversation.com/profiles/emma-beckett-22673">Emma Beckett</a>, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a></em></p> <p>Rice is a <a href="http://www.ipni.net/publication/bci.nsf/0/42A2EA40E95CBD1385257BBA006531E9/$FILE/Better%20Crops%20International%202002-3%20p03.pdf">culinary staple</a> in Australia and around the world.</p> <p>It might seem like a given that brown rice is healthier than white and official <a href="https://www.eatforhealth.gov.au/eating-well/healthy-recipes/recipe-modification-tips">public health resources</a> often recommend brown rice instead of white as a “healthy swap”.</p> <p>But <a href="https://pubmed.ncbi.nlm.nih.gov/34441728/">Australians definitely prefer white rice</a> over brown. So, what’s the difference, and what do we need to know when choosing rice?</p> <h2>What makes rice white or brown?</h2> <p>Rice “grains” are technically seeds. A complete, whole rice seed is called a “paddy”, which has <a href="https://www.fao.org/4/t0567e/t0567e07.htm">multiple parts</a>:</p> <ol> <li>the “hull” is the hard outer layer which protects the seed</li> <li>the “bran”, which is a softer protective layer containing the seed coat</li> <li>the “germ” or the embryo, which is the part of the seed that would develop into a new plant if was germinated</li> <li>the “endosperm”, which makes up most of the seed and is essentially the store of nutrients that feeds the developing plant as a seed grows into a plant.</li> </ol> <p>Rice needs to be <a href="https://www.tandfonline.com/doi/pdf/10.1080/87559128509540778">processed</a> for humans to eat it.</p> <p>Along with cleaning and drying, the hard hulls are removed since we can’t digest them. This is how <a href="https://ift.onlinelibrary.wiley.com/doi/abs/10.1111/1541-4337.12449">brown rice is made</a>, with the other three parts of the rice remaining intact. This means brown rice is regarded as a “wholegrain”.</p> <p>White rice, however, is a “refined” grain, as it is <a href="https://ift.onlinelibrary.wiley.com/doi/abs/10.1111/1541-4337.12449">further polished</a> to remove the bran and germ, leaving just the endosperm. This is a mechanical and not a chemical process.</p> <h2>What’s the difference, nutritionally?</h2> <p>Keeping the bran and the germ means <a href="https://onlinelibrary.wiley.com/doi/abs/10.1002/cche.10322">brown rice has more</a> magnesium, phosphorus, potassium B vitamins (niacin, folate, riboflavin and pyridoxine), iron, zinc and fibre.</p> <p>The germ and the bran also contain more bioactives (compounds in foods that aren’t essential nutrients but have health benefits), like <a href="https://www.mdpi.com/1420-3049/28/2/532#:%7E:text=Brown%20rice%20(BR)%20is%20obtained,and%20phenolic%20compounds%20%5B3%5D.">oryzanols and phenolic compounds</a> which have antioxidant effects.</p> <p>But that doesn’t mean white rice is just empty calories. It <a href="https://www.glnc.org.au/wp-content/uploads/2011/04/GLNC_Rice-factsheet_WEB.pdf">still contains</a> vitamins, minerals and some fibre, and is low in fat and salt, and is naturally gluten-free.</p> <p>White and brown rice actually have <a href="https://ift.onlinelibrary.wiley.com/doi/abs/10.1111/1541-4337.12449">similar</a> amounts of calories (or kilojoules) and total carbohydrates.</p> <p>There are studies that show eating more white rice is linked to <a href="https://diabetesjournals.org/care/article/43/11/2625/35820/A-Global-Perspective-on-White-Rice-Consumption-and">a higher risk</a> of type 2 diabetes. But it is difficult to know if this is down to the rice itself, or other related factors such as socioeconomic variables or other dietary patterns.</p> <h2>What about the glycaemic index?</h2> <p>The higher fibre means brown rice has a <a href="https://www.sciencedirect.com/science/article/pii/S0002916523314862">lower glycaemic index</a> (GI), meaning it raises blood sugar levels more slowly. But this is highly variable between different rices within the white and brown categories.</p> <p>The <a href="https://www.betterhealth.vic.gov.au/health/healthyliving/carbohydrates-and-the-glycaemic-index#:%7E:text=The%20glycaemic%20index%20(GI)%20is,simple'%20or%20'complex'.">GI system</a> uses low (less than 55), medium (55–70) and high (above 70) categories. <a href="https://glycemicindex.com/gi-search/?food_name=rice&amp;product_category=&amp;country=&amp;gi=&amp;gi_filter=&amp;serving_size_(g)=&amp;serving_size_(g)_filter=&amp;carbs_per_serve_(g)=&amp;carbs_per_serve_(g)_filter=&amp;gl=&amp;gl_filter=">Brown rices</a> fall into the low and medium categories. <a href="https://glycemicindex.com/gi-search/?food_name=rice&amp;product_category=&amp;country=&amp;gi=&amp;gi_filter=&amp;serving_size_(g)=&amp;serving_size_(g)_filter=&amp;carbs_per_serve_(g)=&amp;carbs_per_serve_(g)_filter=&amp;gl=&amp;gl_filter=">White rices</a> fall in the medium and high.</p> <p>There are specific <a href="https://www.gisymbol.com/low-gi-products/sunrice-doongara-low-gi-white-clever-rice-1kg/">low-GI types available</a> for both white and brown types. You can also lower the GI of rice by <a href="https://pubs.acs.org/doi/abs/10.1021/jf503203r">heating and then cooling it</a>. This process converts some of the “available carbohydrates” into “resistant starch”, which then functions like dietary fibre.</p> <h2>Are there any benefits to white rice?</h2> <p>The <a href="https://www.realsimple.com/brown-rice-vs-white-rice-8417468#:%7E:text=The%20eating%20experience%20between%20these,chewier%20texture%20and%20nuttier%20flavor.">taste and textural qualities</a> of white and brown rices differ. White rice tends to have a softer texture and more mild or neutral flavour. Brown rice has a chewier texture and nuttier flavour.</p> <p>So, while you can technically substitute brown rice into most recipes, the experience will be different. Or other ingredients may need to be added or changed to create the desired texture.</p> <p>Removing more of the outer layers may also reduce the levels of <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC10375490/">contaminants</a> such as pesticides.</p> <h2>We don’t just eat rice</h2> <p>Comparing white and brown rice seems like an easy way to boost nutritional value. But just because one food (brown rice) is more nutrient-dense doesn’t make the other food (white rice) “bad”.</p> <p>Ultimately, it’s not often that we eat just rice, so we don’t need the rice we choose to be the perfect one. Rice is typically the staple base of a more complex dish. So, it’s probably more important to think about what we eat with rice.</p> <p>Adding vegetables and lean proteins to rice-based dishes can easily add the micronutrients, bioactives and fibre that white rice is comparatively lacking, and this can likely do more to contribute to diet quality than eating brown rice instead.<!-- 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/236767/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/emma-beckett-22673">Emma Beckett</a>, Adjunct Senior Lecturer, Nutrition, Dietetics &amp; Food Innovation - School of Health Sciences, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/is-white-rice-bad-for-me-can-i-make-it-lower-gi-or-healthier-236767">original article</a>.</em></p> </div>

Food & Wine

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"I was going to die": Grant Denyer's brutal wake up call

<p>Grant Denyer has spoken candidly about a brutal wake up call he received from a doctor, when he was told he would die if he didn't start looking after himself. </p> <p>The TV host opened up on the <em>Mental As Anyone</em> podcast about how he would repeatedly push himself too far, and the moment he was forced to reevaluate his priorities. </p> <p>“I was skinny as a rake and unhealthy as hell and the doctor said my organs were running at about seven per cent,” Denyer told the podcast.</p> <p>“He goes, ‘if you don’t do something about this in the next four weeks, you’re going to die. It took two lessons for me to realise that I had to change my mindset and how I was approaching life and what I prioritised as important until I learned the lesson and I feel like if I hadn’t learned it the second time, it would have been fatal the third.”</p> <p>The first lesson came to Denyer in the form of a brutal car crash, and the second being chronic fatigue telling him his body needed to stop. </p> <p>“I broke my back, which I firmly now believe was not as a result of jumping seven cars in a monster truck but as a result of ignoring all my bodily signs, ignoring all the signals my body was trying to give me to slow the hell down,” he said. </p> <p>“You can’t sustain this pace and this grind and this aggressive chase for the next rung of the ladder, because you will die. As my body was deteriorating and my mental health was deteriorating, the monster truck crash came along to sit me on my arse.”</p> <p>Denyer also opened up about having to rely on prescription painkillers after his car accident, and how he struggled battling the pain and the effects of the medication. </p> <p>“It messed with me instantly and majorly,” he said. “To give you an idea, the moment you close your eyes at night time, you fall into your worst nightmares every time instantly and you can’t differentiate between dream and reality so when you wake up, you firmly believed what you have just dreamt, indeed actually just did happen. It was horrible.”</p> <p>"It is important to reflect on because it is the lows that make the highs and those euphoric moments feel high and that was one of the lows. I think in recognising (and) giving voice to those moments of low, that you can celebrate mediocre a lot more and enjoy that.”</p> <p><em>Image credits: Instagram </em></p>

Caring

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Readers response: If you could spend your retirement anywhere in the world, where would you go?

<p>When it comes to retirement, many people decide to spend their golden years travelling the globe. </p> <p>Alternatively, others prefer to stay closer to come to spend valuable quality time with their closest friends and family. </p> <p>We asked our readers where they would spend their retirement if they could choose anywhere in the world, and the response was overwhelming. Here's what they said. </p> <p><strong>Tracee Williams Mason</strong> - A cruise ship.</p> <p><strong>Kay Little-Ohmsen</strong> - Right where I am. Sunshine Coast and have been for 48 years.</p> <p><strong>Cheryl Barrett</strong> - On the Greek island of Naxos.</p> <p><strong>Bruce Hopkins</strong> - Travelling around the world.</p> <p><strong>Bob Holl</strong> - Cruising the Whitsunday Islands. </p> <p><strong>Steve Tracy</strong> - Back to Japan where I spent the 25 happiest years of my life.</p> <p><strong>Terry Dolman</strong> - Where I live in South Australia for half the year, Vietnam for the other half. </p> <p><strong>Bev Martin</strong> - Florida.</p> <p><strong>Sandra Tiplady Schellings</strong> - At the beach!</p> <p><strong>Sonia Davis</strong> - Darwin. </p> <p><strong>Sally O'Neill</strong> - European cruise and cruising around the Greek Isles.</p> <p><em>Image credits: Shutterstock </em></p>

International Travel

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Woolies trial bold new "scan as you go" trolleys

<p>Woolworths shoppers will be able to scan their groceries when they go into their trolleys in an Australian-first trial of the tech carts. </p> <p>The Scan and Go carts are being trialled at a Woolworths in Windsor in western Sydney, with customers now able to scan items as they add them to their cart, eliminating time at busy checkouts. </p> <p>The technology, which has long been used in supermarkets overseas, utilises the already existing EverydayRewards cards, which allows access to a touchscreen that clips onto the trolley.</p> <p>As you peruse the aisles, shoppers then scan their items on the touchscreen as they go into the trolley, with the screen adding up the total of your groceries. </p> <p>Customers still have to pay at the checkout, but the supermarket says as the smart carts roll out, customers could eventually swipe their cards and pay directly at their trolley, cutting out the need for any time in line for tills. </p> <p>"The technology is co-created with one of our international partners [and is] home-grown in Australia, [we've] really been able to make sure it meets the Australian consumers needs," Woolies Managing Director Faye Ihan said.</p> <p>The high-tech system is meant to save shoppers time and money while doing their weekly grocery shop.</p> <p>"I actually have only been in here for half an hour I'd normally be here for over an hour," one customer who tried the smart cart told <em><a href="https://www.9news.com.au/national/woolies-trials-new-scan-as-you-go-trolleys/4e7e5c2d-04e9-4997-8a0e-0bb4bba8948d" target="_blank" rel="noopener">9News</a></em>.</p> <p>The company says the rollout won't impact employment, as Woolworths employees will conduct random checks of people shopping to make sure people don't exploit the system to steal.</p> <p>If the trial is successful, Woolworths says it will one day expand the smart carts to all Australian stories.</p> <p><em>Image credits: 9News</em></p>

Food & Wine

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"Go back to your ocean": Olympic medallist insulted by French customs officer

<p>An Aussie Olympic medallist was caught off guard upon his return home to Brisbane, when he was called out by a French customs officer. </p> <p>Jack Robinson, who won silver in the surfing competition in Tahiti as part of the Paris Games, was returning to Aussie shores with his medal in tow and happy with his Olympic performance. </p> <p>However, when he was greeted by a customs officer who happened to be French, things took a turn. </p> <p>The Frenchman took the opportunity to stick it to the Aussie Olympic runner up, relishing the fact that Kauli Vaast, from France, had won gold in the comp. </p> <p>Taking to TikTok to share the hilarious encounter with his followers, Mr Robinson said: "what are the odds of being welcomed like this?"</p> <div class="embed" style="font-size: 16px; box-sizing: inherit; margin: 0px; padding: 0px; border: 0px; vertical-align: baseline; outline: currentcolor !important;"><iframe class="embedly-embed" style="box-sizing: inherit; margin: 0px; padding: 0px; border-width: 0px; border-style: none; vertical-align: baseline; width: 600px; max-width: 100%; outline: currentcolor !important;" title="tiktok embed" src="https://cdn.embedly.com/widgets/media.html?src=https%3A%2F%2Fwww.tiktok.com%2Fembed%2Fv2%2F7400700745911225618&amp;display_name=tiktok&amp;url=https%3A%2F%2Fwww.tiktok.com%2F%40jackrobinsonsurf%2Fvideo%2F7400700745911225618%3Fembed_source%3D121374463%252C121451205%252C121439635%252C121433650%252C121404359%252C121351166%252C121331973%252C120811592%252C120810756%253Bnull%253Bembed_masking%26refer%3Dembed%26referer_url%3Dwww.escape.com.au%252Fnews%252Faussie-silver-medal-surfer-jack-robinson-brutally-burned-by-french-customs-officer%252Fnews-story%252F48306be5756c2cf2d353787e823bf812%26referer_video_id%3D7400700745911225618&amp;image=https%3A%2F%2Fp16-sign-sg.tiktokcdn.com%2Fobj%2Ftos-alisg-p-0037%2F99adeff03a574c23861d622aa90e9b89_1723109925%3Flk3s%3Db59d6b55%26nonce%3D74009%26refresh_token%3Db5b746d3b3a1eb36e30b00a6f4cd678d%26x-expires%3D1723780800%26x-signature%3Dh7x7Li%252B%252BEw4xdRkWkw2PKU3jkNQ%253D%26shp%3Db59d6b55%26shcp%3D-&amp;key=59e3ae3acaa649a5a98672932445e203&amp;type=text%2Fhtml&amp;schema=tiktok" width="340" height="700" frameborder="0" scrolling="no" allowfullscreen="allowfullscreen"></iframe></div> <p>"Yeah ze French guy in the Australian customs. So on my way back from Tahiti I arrive from ze flight and I get ze dec-er-al-ation, I come to ze customs, the guy looks at me and says 'Ey, better luck next time zon, go back to your ocean.'"</p> <p>Despite the customs officer's remarks, many Aussies praised Robinson's performance in Tahiti, as fans hailed his "amazing efforts".</p> <p>His TikTok was flooded with comments, with many saying they believed that the officer "did not mean it badly", as Robinson confirmed he had taken the jibe in his stride. </p> <p>Others said the Frenchman could "go back to his 'La Seine'", while others remarked, "Bro the French are cocky asf, you did good man" and "Why the French so smug? That's a Tahitian gold, not a 'French' one."</p> <p><em>Image credits: TikTok</em></p>

Travel Trouble

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"I really thought he would kill me": Erin Molan opens up about abusive relationship

<p><em><strong>Warning: This article contains discussions of domestic violence which some readers may find confronting</strong></em></p> <p>Radio and TV presenter Erin Molan has opened up for the first time about horrific abuse she endured at the hands of an ex-partner. </p> <p>Speaking candidly to the <a href="https://www.dailytelegraph.com.au/news/nsw/exclusive-interview-erin-molan-opens-up-about-horrific-abuse-she-suffered-from-a-man-she-dated/news-story/d2921145ef5010a413bab6c9a830f3bc" target="_blank" rel="noopener"><em>Sunday Telegraph</em></a>, the 40-year-old presenter recalled many of her "worst" moments with her former boyfriend, sharing how she feared for her life when he became physically abusive. </p> <p>'“He came in drunk and dragged me out of bed and started stamping his foot into my head over and over and over,” she told the publication. </p> <p>“I was lying on the floor screaming and normally if I screamed really loudly he would stop because neighbours would hear. But that time he just kept going and going and it felt like my skull was going to crack open.”</p> <p>She said the relentless physical violence became a pattern of behaviour, and she would regularly be brutally injured. </p> <p>“One time he smashed a bottle over my head,” she says. “Another time I was terrified he’d throw me off a balcony. Once I ran to hide in my car and he got a rubbish bin and started smashing it against the windscreen and I feared I would be killed by glass shattering over me.</p> <p>“Another time he covered my face with a pillow so I couldn’t breathe. I was crying for my mum. I really thought he would kill me.”</p> <p>Molan said she chose not publicly discuss the abuse while her beloved dad, Senator Jim Molan, was alive because she didn’t want to break his heart, but now she wants others to know what she went through.</p> <p>In sharing her heartbreaking story, she also hopes she can give other victims of domestic violence the courage to come forward. </p> <p>“I’m not sharing my story because I want to. My preference would be for this part of my life to never be shared but with every single death I see in this space, a part of me wonders whether I could have made a difference,” she says.</p> <p>“Could my experience have made these beautiful, innocent women feel less alone, less ashamed, less scared and could that have been the tiny thing that may have empowered them to ask for help, the thing that might have helped to save their lives?”</p> <p>Molan added that while it’s confronting for her to speak out, she wants things to change, not just for her generation but for her daughter’s.</p> <p>As she says, “I want to worry about my daughter’s first boyfriend breaking her heart, not her bones.”</p> <p><em>Image credits: for AWAPAC/Shutterstock Editorial </em></p>

Caring

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"They lied": Kerri-Anne Kennerley blasts I’m A Celeb

<p>Kerri-Anne Kennerley has opened up on her dramatic appearance on <em style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;">I’m A Celebrity … Get Me Out Of Here! </em><span style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;"> last year, claiming that she was "lied to" ahead of her decision to sign up. </span></p> <p>Speaking to Tammin Sursok on her podcast, <em>The Sh*t Show</em>, Kennerly alleged that Network Ten made promises they couldn't keep. </p> <p>“[Ten] came to me and promised me this, this and this … and I had nothing else to do at the time,” the TV veteran claimed.</p> <p>“I got promised a bunch of stuff and they lied. And so instead of being in there, the three weeks I committed to, I got out in three days. They lied.”</p> <p>Sursok asked her to elaborate on the promises they made, but Kennerley refused. </p> <p>“I don’t want to go into it now. History. And I’m even dumbfounded that I said to myself after I’ve gone, oh my God. I avoided exactly what happened for 10 years.</p> <p>“ … If I had thought about it for one more nanosecond and the things that were said to me were not said to me, I wouldn’t have done it in a heartbeat.”</p> <p>Kennerley tearfully quit <em style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;">I'm A Celebrity</em><span style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;"> last year after clashing with </span>MAFS star Domenica Calarco, who she claimed called her "the most self-centred b***h” she’d ever met during an eating challenge.</p> <p>The TV veteran added that going on the show was the "dumbest" decision she has ever made. </p> <p>“Comes out as absolutely number one dumb and as backed by several of my friends – especially straight after [I left IAC], them going, ‘You didn’t tell us, we would’ve locked you in a room if you had said you were going’,” she admitted.</p> <p>“But I don’t know … I’ve always thought I was pretty bulletproof, and then you get wounded and move on. But no … dumb, dumb, dumb – and lies. That’s what I put it down to.”</p> <p><em>Images: Ten</em></p>

TV

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"You guys can't touch me": Djokovic slams Wimbledon crowd

<p>Novak Djokovic has launched into a staggering tirade after emerging from the Wimbledon courts victorious, after claiming the crowd was being "disrespectful" by booing him. </p> <p>The Serbian tennis champ accused the audience after his 6-3, 6-4, 6-2 victory over Danish player Holger Rune, calling out the behaviour during his winning speech. </p> <p>“To all the fans that have had respect and stayed here tonight, I thank you from the bottom of my heart and I appreciate it,” he said.</p> <p>“And to all those people that have chosen to disrespect the player, in this case me, have a goooood night."</p> <p>“Goooood night, goooood night, have a good night,” he continued.</p> <p>The on-court interviewer suggested that the crowd was chanting “Rooooon” and was not in fact booing, but Djokovic was determined. </p> <p>“I’m hoping they were just commenting on Rune and they weren’t disrespecting you,” the courtside interviewer said, as Djokovic responded, “They were, they were, they were, they were.”</p> <p>“I am not accepting it. No, no, no. I know they were cheering for Rune but that’s an excuse to also boo."</p> <p>“Listen, I have been on the tour for more than 20 years."</p> <p>“I know all the tricks. I focus on the respectful people that pay for the ticket, and love tennis and appreciate the players."</p> <p>“I have played in much more hostile environments, trust me ... you guys can’t touch me.”</p> <p>He then headed for the Centre Court exit to initial applause before further chants of "<em>Ruuuuuuune"</em> followed.</p> <p><em>Image credits: ADAM VAUGHAN/EPA-EFE/Shutterstock Editorial </em></p>

Travel Trouble

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Drawings by teen Queen Victoria to go up for auction

<p>A set of 19th century drawings made by a teenage Queen Victoria will be put up for sale at the Old Master, British and European Pictures auction in Roseberys, London next week. </p> <p>A few of the sketches were made when the royal - who reigned from 1837 until her death in 1901 - was still a princess and just 14 years old. </p> <p>Dated July 1833, the drawings depict a knight, a woman, and a veiled woman on a horseback. </p> <p>The fourth drawing was made a year after she ascended the throne, and depicted a woman sitting with a crown and sash, similar to herself, with the inscription: "by Her Majesty." </p> <p>Charlotte Russell, Head of Sales at the auction house, said: "These slightly early drawings show that maybe she was still learning a lot, that she was still honing her craft." </p> <p>"She was very curious and keen as an artist," Russell told <em>CNN</em>.</p> <p>Roseberys set an estimated sale price of £1,500 to £2,500 ($AU2853 to $4755) for the album with the four sketches, as well as works by other artists.  </p> <p>Russel added that the album was likely assembled by Augusta Hayter, daughter-in-law of George Hayter, who was the Queen's court painter and painted her coronation portrait. </p> <p>The album also features royal ephemera, including an invitation to the coronation of King George IV at Westminster Abbey in 1821.</p> <p>"I'm interested to see how it performs," Russell said. </p> <p>Queen Victoria was very passionate about art, receiving her first drawing lesson at just eight years old. </p> <p>She went on to be tutored by renowned artists like Edwin Landseer, William Leighton Leitch and Franz Xaver Winterhalter.</p> <p>"She is known to have experimented quite a lot with different subjects," Russel said, adding that Victoria would make "little sketches of costumes of people in the areas" where she travelled.</p> <p><em>Images: Roseberys Fine Art Auctioneers &amp; Valuers via CNN/ Shutterstock</em></p>

Art

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"Terrifies me": Tracy Grimshaw reveals her biggest fears around ageing

<p>Tracy Grimshaw has headed back to TV alongside alongside Dr Nick Coatsworth in a new medical series<em> Do You Want To Live Forever? </em></p> <p>In an interview with <em>9Entertainment</em>, the journalist explained why she chose to return to TV, after standing down from <em>A Current Affair </em>in 2022 following 17 years on the show. </p> <p>She explained that what pulled her to the medical series was "the extreme end of longevity." </p> <p>"People who shake the tree always fascinate me, particularly if they're putting their bodies on the line," she said. </p> <p>"It's so new, some of this stuff... that's probably what brought me in, but we're not just going to be at that end of the whole longevity discussion.</p> <p>"We're talking to people on how they can improve their quality of life and address issues that might lead to a premature death."</p> <p>In the interview she also revealed her own fears on ageing, especially what she finds most terrifying about it. </p> <p>"I'm not too scared about the passage of time," she began. </p> <p>"The only thing that scares me about getting older is becoming feeble." </p> <p>"Alzheimer's terrifies me. My brain has always been I think the best part of me, and it would be really sad to lose that."</p> <p>The show itself follows four pairs of everyday Aussies, including sisters from <em>The Block, </em>Eliza and Liberty, husband and wife, Enver and Eliana, partners Luke and Taylor, and father and son duo Duncan and Tom, as they undergo medically supervised trials and health interventions that may provide clues to help us live longer. </p> <p><em>Image: Channel 9</em></p>

TV

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"Do not cry for me": Teacher announces own death

<p>A teacher and mum-of-two who chronicled her breast cancer journey online has announced her own death, through a social media post written before her passing. </p> <p>"If you're reading this, it means I have died," Kate Rackham, 45, shared on her <em>Teacher With Cancer </em>X account. </p> <p>"But do not cry for me. I have lived my life on my own terms, the way I have wanted to."</p> <p>The mum told her followers that she joined X, formerly Twitter, as she "needed an outlet", but "what I got was so much more". </p> <p>"You made me feel validated in my feelings and much less alone. Thank you."</p> <blockquote class="twitter-tweet"> <p dir="ltr" lang="en">If you’re reading this, it means I have died. But do not cry for me. I have lived my life on my own terms, the way I have wanted to. I joined X because I needed an outlet, what I got was so much more. You made me feel validated in my feelings and much less alone. Thank you ❤️</p> <p>— Teacher with Cancer (@kate_rackham) <a href="https://twitter.com/kate_rackham/status/1801137648146243756?ref_src=twsrc%5Etfw">June 13, 2024</a></p></blockquote> <p>The British mum was only 39 when she was diagnosed with  incurable oestrogen-receptive breast cancer and spent the past six years fighting the disease. </p> <p>She began documenting her journey online, and explained that she had no obvious risk factors leading to the disease. </p> <p>Just before her passing, she was admitted into hospital and was told by doctors that "there is nothing more we can do" and that she "needed a bit of time" to process the news. </p> <p>"I'm now home, where I want to be. With Mark and the girls. Surrounded by love, family and friends," she shared at the time. </p> <p>"Everyone is rallying around and I have so much support. Despite everything I feel blessed."</p> <p>Many have shared their condolences, including friends and those who are also battling breast cancer. </p> <p>"When my time comes, I can but hope I display the dignity and strength of character you did. Much love and condolences to your family and friends," one wrote.</p> <p>"I hope you are free from the pain. You still live in your children your husband. Your legacy," another said.</p> <p>"Thank you for sharing your journey with grace and dignity," a third added. </p> <p>"I hope wherever you are you are no longer in pain. Sending love and thoughts to your family."</p> <p>Rackham is survived by her husband Mark and their two daughters Ruby and Nancy. </p> <p><em>Images: X/ Nine</em></p> <p> </p>

Caring

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Super funds are using ‘nudges’ to help you make financial decisions. How do they work?

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/fernanda-mata-1533222">Fernanda Mata</a>, <a href="https://theconversation.com/institutions/monash-university-1065">Monash University</a>; <a href="https://theconversation.com/profiles/breanna-wright-267597">Breanna Wright</a>, <a href="https://theconversation.com/institutions/monash-university-1065">Monash University</a>, and <a href="https://theconversation.com/profiles/liam-smith-5152">Liam Smith</a>, <a href="https://theconversation.com/institutions/monash-university-1065">Monash University</a></em></p> <p>Late last year the federal government announced <a href="https://ministers.treasury.gov.au/ministers/stephen-jones-2022/media-releases/government-unveils-comprehensive-financial-advice">measures</a> to make it easier for Australians to access financial advice.</p> <p>As part of this, the government wants super funds to use “nudges” to get members to engage more with their retirement investments and superannuation, especially when they’re starting work and approaching retirement.</p> <p>While the legislation containing the changes is still in the consultation phase, super funds are <a href="https://www.afr.com/companies/financial-services/super-funds-spend-big-ahead-of-advice-reforms-20240418-p5fkx6">upskilling staff</a> and making other changes to improve customer service or risk a government crackdown.</p> <p>Telling funds to use <a href="https://www.behaviourworksaustralia.org/blog/nudging-what-is-it-and-how-can-we-use-it-forgood">nudge theory</a> to advise on super comes as more than five million Australians are heading towards retirement.</p> <h2>What is nudge theory?</h2> <p>Nudging is used to encourage people to pick the “better” option, without taking away their freedom to choose differently.</p> <p>For example, sending regular reminders to members about the benefits of voluntary contributions can get them to increase the amount they put in. This nudge makes it easier for them to contribute more – the better option – while still allowing them to choose not to.</p> <p>Assistant Treasurer Stephen Jones <a href="https://ministers.treasury.gov.au/ministers/stephen-jones-2022/media-releases/government-unveils-comprehensive-financial-advice">explained</a> the government’s changes were needed because so-called “fin-fluencers” were providing unregulated financial advice on social media platforms to Australians unable to pay an adviser.</p> <h2>Helping people protect their interests</h2> <p>There are three ways, supported by research, nudges can help Australians engage with their super.</p> <p><strong>1. Future self visualisation</strong></p> <p>This involves getting young people to think about their <a href="https://www.halhershfield.com/considering-the-future-self">future selves</a> and visualise their life in retirement. This can help them to recognise the long-term benefits of getting actively involved with their super.</p> <p>Showing fund members how they might look when older by using an ageing filter software, for example, can make this visualisation more real for them and <a href="https://journals.sagepub.com/doi/full/10.1177/23794607231190607">enhance understanding of their future selves, leading to higher engagement</a>.</p> <p><strong>2. Simplification</strong></p> <p>We all know financial products and superannuation can be complicated. The information and choices presented can lead to <a href="https://thedecisionlab.com/biases/choice-overload-bias">decision paralysis</a>, causing people to delay or opt out of making a decision. By simplifying the process, funds can motivate people to get more engaged with their super.</p> <p>To get people to make voluntary contributions, for example, it might be more effective for funds to recommend <a href="https://siepr.stanford.edu/news/how-simple-nudge-can-motivate-workers-save-retirement">a specific percentage of their salary</a> rather than offering several options. Deciding whether to boost contributions by an extra 3%, 4% or 5% can be overwhelming, especially for people with poor <a href="https://theconversation.com/are-you-financially-literate-here-are-7-signs-youre-on-the-right-track-202331">financial literacy</a>.</p> <p><strong>3. Language and framing</strong></p> <p>The way options are framed and the language super funds use can significantly impact member engagement.</p> <p>Australians may be more likely to make higher voluntary contributions if they are asked how much they want <a href="https://www.bi.team/press-releases/the-small-nudges-that-could-make-young-people-142000-better-off-in-retirement/">to “invest” in their super </a> instead of how much they want to “contribute” or “add”.</p> <p>The word “invest” encourages people to think about future benefits, motivating them to make higher contributions.</p> <p>How options are labelled can also have an impact on <a href="https://www.bi.team/press-releases/the-small-nudges-that-could-make-young-people-142000-better-off-in-retirement/">member engagement</a> and decision making.</p> <p>For example, highlighting concrete benefits of different voluntary payments, such as “a 4% contribution keeps you above the poverty line”, and “a 10% contribution allows for a comfortable retirement according to Australian standards” can increase how much people are willing to contribute.</p> <h2>Ethical use of nudges</h2> <p>The <a href="https://www.superreview.com.au/news/superannuation/industry-body-backs-super-fund-nudges-though-parameters-need-be-set">Financial Services Council</a> backs the government on getting super funds to nudge members about contributions and investments but says there are limits.</p> <p>Parameters around nudging should be set […] to ensure that the language is appropriate and does not ultimately amount to defaulting.</p> <p>For example, letting a customer know that as they approach retirement, they need to make a decision about what retirement product they wish to utilise would be an acceptable nudge, while contacting a customer to let them know that they will be placed in a product when they retire, would not necessarily be acceptable.</p> <p>The council emphasises the importance of super funds recognising <a href="https://www.superreview.com.au/news/superannuation/industry-body-backs-super-fund-nudges-though-parameters-need-be-set">people’s autonomy</a> when delivering a “soft” or “hard” nudge.</p> <p>Soft nudges are gentle prompts and reminders designed to guide people to make good choices without pressuring them, such as sending an email reminder to review their investment options. Hard nudges are more direct in their guidance. These might include recommending specific investment options.</p> <p>Despite these differences, <a href="https://www.behaviourworksaustralia.org/blog/can-we-have-a-quiet-word-about-behavioural-science">ethical use of nudges</a> should encourage engagement while respecting people’s autonomy by making it easy for them to opt out.</p> <p>The use of nudges presents a valuable opportunity to increase superannuation fund members’ engagement.</p> <p>Whether through future self visualisation, simplification or language framing, ethical nudges can motivate members to take action, leading to greater confidence in navigating the retirement transition and achieving retirement goals.<!-- 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/230404/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/fernanda-mata-1533222">Fernanda Mata</a>, Research Fellow, <a href="https://theconversation.com/institutions/monash-university-1065">Monash University</a>; <a href="https://theconversation.com/profiles/breanna-wright-267597">Breanna Wright</a>, Research fellow, BehaviourWorks Australia, Monash Sustainable Development Institute, <a href="https://theconversation.com/institutions/monash-university-1065">Monash University</a>, and <a href="https://theconversation.com/profiles/liam-smith-5152">Liam Smith</a>, Director, BehaviourWorks, Monash Sustainable Development Institute, <a href="https://theconversation.com/institutions/monash-university-1065">Monash University</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/super-funds-are-using-nudges-to-help-you-make-financial-decisions-how-do-they-work-230404">original article</a>.</em></p> </div>

Money & Banking

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“He tried to kill me": Shock claims against former TV presenter

<p>Former Channel Seven presenter Liam David Cox has appeared via audiovisual link in Sydney Downing Centre Local Court on Monday, following claims that he forcefully strangled a woman during a domestic dispute. </p> <p>The woman told police that Cox had wrestled her to the ground, straddled her, and proceeded to forcefully strangle her until she lost consciousness.</p> <p>“He tried to kill me,” she told police. </p> <p>The court heard that police found the woman bleeding from her nose and coughing up blood, when they attended the scene. </p> <p>They also found blood splattered on the bedsheets and pillows, and on tissues in the toilet. She was treated by paramedics before being hospitalised for her injuries. </p> <p>The alleged incident occurred at a house in Vaucluse, in Sydney’s eastern suburbs, on the night of May 4, and Cox was arrested at a hotel in Bondi Beach the following day. </p> <p>Cox has spent nearly a month behind bars, and was applying for bail during the court hearing on Monday. </p> <p>The court heard that the altercation occurred after he had attended a charity fundraiser with the woman where he had a few drinks before they became embroiled in a heated argument. </p> <p>Magistrate Greg Grogin said the facts stated that the woman had been “the instigator” and “quite aggressive”, adding that he wasn't "victim blaming" but adding context to the “extremely serious allegations” where Cox allegedly lashed out  after an “ongoing” argument. </p> <p>Cox's lawyer Ben Barrack told the court the couple had clashed three times that night, and the woman had punched and kicked him in the lead up to the alleged assault. </p> <p>The former TV presenter also claimed that he was acting in self-defence, but admitted that he had not used reasonable force. </p> <p>His lawyer added that the woman’s allegations were “highly problematic” and emphasised she had not yet provided a statement to police about the alleged assault.</p> <p>Police prosecutor Nellia Ng argued that Cox should not be granted bail because there was a risk that he would further endangered the alleged victim commit further offences, or fail to appear in court.</p> <p>However, the Magistrate determined that the risks could be mitigated if Cox resided in Queensland and was barred from contacting his alleged victim.</p> <p>He granted bail with strict conditions including having to surrender his passport, report to police, and abstain from contacting the woman.</p> <p>“Domestic violence should not occur anywhere at any time with anybody for any reason,” Magistrate Grogin said.</p> <p>“Any temptation to contact (the woman) will be a short-course way to come back before the court via AVL wearing green. You don’t need to do that.”</p> <p><em>Image: YouTube</em></p>

Legal

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"Not going to save anybody": Exit row passenger prompts plane evacuation

<p>A whole plane has been forced to disembark after a woman seated in the exit row refused to comply with safety instructions. </p> <p>Passengers were up in arms when they had to leave the plane, after the woman was overheard telling cabin crew that she would only save herself in the event of an emergency, before yelling at flight attendants. </p> <p>The interaction, which was captured by another passenger on video and posted to TikTok, shows the woman becoming heated while talking to cabin crew on the Frontier flight. </p> <p>The passenger can then be seen and heard progressively raising her voice to cabin crew, with fellow flyers pleading with the woman to disembark the plane.</p> <p>The traveller who filmed the altercation claims the woman said she was “not going to save anybody” when seated in the exit row, saying the disgruntled passenger had “attitude” and went on to say that if something were to happen, she would “only save” herself. </p> <p>“That was her attitude throughout the seating process. And I already knew something was about to pop off when she had that attitude,” the TikTok user said.</p> <p>The altercation only became more heated as the yelling progressed, before police eventually arrived on the plane to escort the woman off. </p> <p>The video then shows another Frontier employee approach the passenger and say, “I’m gonna ask you one more time, nicely, to get off, if not, we’re going to deboard the plane and police will come and escort you off.”</p> <p>When the cabin crew make repeated futile attempts to get through the woman, the pilot came down from the cockpit to try and call for calm. </p> <p>“You’re inconveniencing everybody else,” the pilot can be heard saying to the woman. as the pair continue to exchange words while he repeatedly points toward the front of the plane.</p> <p>Following the failed attempts, two police officers then make their way down the aisle and towards the passenger. </p> <p>Towards the end of the five-minute video, which has been viewed more than 80,000 times, all the passengers on board the flight were filmed disembarking the aircraft while the passenger at the centre of the ordeal exits with police from a separate door onto the tarmac.</p> <p>It is unclear if charges were laid.</p> <p><em>Image credits: TikTok</em></p>

Travel Trouble

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“Too chaotic for me”: Bride and groom slammed for “unreasonable” wedding rules

<p dir="ltr">A bride and groom has been slammed online for giving their wedding guests an extensive list of rules they must abide by on their big day.</p> <p dir="ltr">The list of 15 demands was shared on Reddit, where social media users tore the newlyweds to shreds with their “unreasonable” rules. </p> <p dir="ltr">The post racked up thousands of comments on the Wedding Shamers subreddit, with one person writing, 'If someone sent this to me, I would simply just not go.' </p> <p dir="ltr">The rules included that guests needed to remember their opinions on the wedding are “irrelevant” while also banning attendees from “sitting down all night” or making their own big announcements.</p> <p dir="ltr">The first rule urged guests to remember that this was the bride and groom's big day, “not yours”, while also telling guests, “Do not get in the photographer's way.” </p> <p dir="ltr">They also made a strict dress code, writing, “the attire is BLACK and/or GOLD not red, blue, green and definitely NO WHITE!”</p> <p dir="ltr">“Do not rearrange the seats, we have a seating chart for a reason.”</p> <p dir="ltr">The rules continued, “If you didn't put out any money for the wedding, keep your "should've, could've, would've" to yourself. Your opinion is irrelevant.”</p> <p dir="ltr">But the couple did not stop there as they also urged guests to pace themselves when drinking and banned “big announcements or proposals.”</p> <p dir="ltr">Next up, it read, “If you can't handle or dislike the music being played, simply go home. This is a celebration, not a funeral.”</p> <p dir="ltr">The lovebirds then instructed their friends and family to use their own personalised hashtag when posting photos on social media.</p> <p dir="ltr">Rounding out the demands, the final five read, “Do not sit down all night. No outside liquor. If caught, you will be escorted out.”</p> <p dir="ltr">“Refer back to rule number one. The bride and groom said what they said! Turn ALL the way up!”</p> <p dir="ltr">The post was soon flooded with comments with many insisting that the couple had taken it too far.</p> <p dir="ltr">One person wrote, “What kind of list is this? Too chaotic for me.”</p> <p dir="ltr">Another person added, “Yeah, I would not be going to that wedding. Sounds like too much drama.”</p> <p dir="ltr">On the other hand, there were a few commenters who understood the need for issuing such strict guidelines and defended the couple.</p> <p dir="ltr">One person wrote, “They're not asking for anything out of order. They're just stating what should be obvious, but they probably have seen from their family and friends past behaviour, that it NEEDS to be addressed.” </p> <p dir="ltr">“Is it a little tacky? Yes, but the only people that will be bothered by any of it are the ones that would have been an issue.”</p> <p dir="ltr"><em>Image credits: Reddit / Shutterstock</em></p>

Relationships

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5 ways to avoid going overboard on a cruise

<p>Falling overboard is the stuff of cruising nightmares (and it happens surprisingly more frequently than you might think. Just this year we’ve brought you two stories about passengers falling overboard, but this fishy fate is by no means unavoidable.</p> <p>Here are five ways to ensure you keep your feet dry.</p> <p><strong>1. Limit your alcohol intake</strong></p> <p>If the prices weren’t enough of a reason to go easy on the sauce on your cruise, perhaps the risk of tipping over the balcony will persuade you. Think of it this way – the effect of alcohol on a cruise is the same as the effect of alcohol on dry land, but when you’re on a cruise you’re travelling through sometimes heavy seas at about 20 knots.</p> <p><strong>2. Stay in your room during inclement weather</strong></p> <p>If your ship is sailing into dicey conditions, you’re better off keeping to your quarters. You never know how a cruise liner is going to stand up to the ocean’s wrath, and even if you want a good view of Mother Nature’s nasty side, you’re safer below deck. </p> <p><strong>3. Keep clear of dark corners</strong></p> <p>It’s not a very pleasant thing to think about, but when there are 4,000 passengers on a cruise they’re not all going to be good eggs. Be aware of your surroundings, just as you would be on land, and be sure to report any suspicious activity to a crew member.</p> <p><strong>4. Pay attention during the practice drills</strong></p> <p>Even if you’ve been on 20 cruises it’s a good idea to pay attention during the practice drills. This will reinforce what you need to do in an event of an emergency, and might just save your life (or someone else’s by knowing where to find the safety gear).</p> <p><strong>5. Don’t re-enact the <em>Titanic</em> scene</strong></p> <p>Because going overboard will make you look like anything but, “The king of the world.”</p> <p>Have you ever been on a cruise? Did you ever feel unsafe at any point? Let us know in the comments below, we’d love to hear from you.</p> <p><em>Image credits: Getty Images </em></p>

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