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Cheques to be phased out by 2030

<p>Cheques will be phased out in Australia by 2030 as the federal government aims to improve the nation’s payments system.</p> <p>Treasurer Jim Chalmers revealed his plan for major reforms in the way payments are made which will focus on cashless and mobile financial transactions.</p> <p>In a speech to the Australian Banking Association (ABA) in Sydney, he said Australia’s ageing payments infrastructure was restricting the country’s productivity levels.</p> <p>Chalmer’s said phasing out cheques and introducing a more efficient New Payment Platform would steer Australia into the path of a digital economy.</p> <p>The reforms will provide direction for the banks and payments industry’s investment in future technology, ABA chief executive Anna Bligh said.</p> <p>"With cheques now in steady decline and accounting for only 0.2 per cent of all payments, it's time to have a smooth and well-planned process to phase out this form of payment.</p> <p>"Australian banks will work with the government to ensure that customers and businesses are ready for a gradual and orderly phase out.”</p> <p>One of the more significant reasons behind the decline in cheques can be attributed to the costs to individuals and financial institutions.</p> <p>After consulting with states, territories and industry and community groups, cheques will cease by 2023.</p> <p>The reform will see Australia in line with several major economies that have already eradicated cheques.</p> <p><em>Image credit: Getty / Shutterstock</em></p>

Money & Banking

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How to put your marriage back in the honeymoon phase

<h3>Encourage your partner to pursue a passion</h3> <div> <div> <div> <p>Research suggests we’re most attracted to our partner when they are in their own element—in other words, when they’re feeling confident and in the flow.</p> <p>That may be when he’s playing his trumpet or coding a new program, or when she’s dancing to flamenco music or painting pictures of historical landscapes.</p> <p>Whatever your individual passions may be, focus on supporting each other to pursue them.</p> <p>“Find where your partner excels and start looking at them fresh through that lens, as if you were strangers, meeting for the first time,” suggests sexual health consultant Celeste Holbrook, PhD.</p> </div> </div> </div> <div> <div> <div> <h3>Purposely spend some time apart</h3> <div> <div> <div> <p>This may sound a little counterintuitive, but not spending every waking second glued to each other’s side is the best thing you can do to create a longing for each other.</p> <p>“This is especially important for couples who spend too much time together,” says Dawn Michael, PhD, clinical sexologist, relationship expert, and author of My Husband Won’t Have Sex With Me.</p> <p>“In relationships where one spouse travels for work every now and then, it’s easier because the nature of your schedules provides some distance to the relationship—the couple longs to see each and develops an appreciation for that person.”</p> <p>If you have similar work schedules and find that you’re always together, go out of your way to see a friend twice a month or plan a short trip with a group of friends to avoid losing that longing of wanting to see each other again.</p> </div> </div> </div> <div> <div> <div> <h3>Show appreciation for your partner at least once every day</h3> <div> <div> <div> <p>When you first started dating, remember how much you appreciated the little things your partner did for you and you did for him? Continue to do this in your relationship as it grows over the years.</p> <p>“At the beginning you’re giddy with love and gratitude, and you’re grateful for your lover and all the little things you do together, the things they say and the places you go together,” says Claudia Six, PhD, sexologist, relationship coach, and author of Erotic Integrity: How to Be True to Yourself Sexually.</p> <p>“Reconnect with that gratitude instead of taking your relationship for granted.”</p> <p>Start the day by telling each other what you’re grateful for, complimenting one another regularly, saying “I love you,” and comment on a new dress or a new haircut.</p> <p>If you want to take the romance up a few notches, start leaving love notes in unexpected places—by the coffee machine, in his underwear drawer, by the door so he sees it as he’s leaving, or on the garbage can for whoever takes out the trash.</p> </div> </div> </div> <div> <div> <div> <h3>Try to do your partner's job</h3> <div> <div> <div> <p>You might never think about what goes into shlepping the recycling to the curb, cleaning the litter box, or paying the bills—because it’s something your partner always takes care of.</p> <p>But if you take over the task even one time, you’ll get a fresh appreciation for your partner’s efforts.</p> <p>Don’t be afraid to take it outside the realm of housework too.</p> <p>Take on the spreadsheets from your CPA wife or help out your husband in his fourth grade classroom.</p> <p>“You will personally experience your partner’s everyday life, which can help you appreciate the little nuances that you don’t often get to see, creating a new version of them for you to be attracted and drawn to,” explains Dr. Holbrook.</p> </div> </div> </div> <div> <div> <div> <h3>Initiate sex more often</h3> <div> <div> <div> <p>In the “honeymoon” stage, sex seemed to happen spontaneously, but in reality you both planned for it.</p> <p>For example, when you were dating, and you knew you would be going to his house on Thursday for game night, you probably shaved your legs in anticipation.</p> <p>And that anticipation was what made things so exciting!</p> <p>“Recreate those feelings by scheduling sex and then building anticipation through flirty communication right up until you hit the sheets,” says Dr. Holbrook.</p> <p>“You’ll be surprised by how getting your mind in the mood long beforehand will boost your libido and take you right back to that ‘honeymoon’ feeling.”</p> </div> </div> </div> <div> <div> <div> <h3>Plan fun, spontaneous date nights</h3> <div> <div> <div> <p>When love is new, date nights are special.</p> <p>But with limited time, kids, the stress of running a household and doing your job, date nights can represent a huge logistical ‘should.’</p> <p>“But it really is important to remember how dates used to be, when you’d dress up for them, look your beloved in the eye, be interested in what they say, and allow them to put a twinkle back in your eye,” says Dr. Six.</p> <p>“Remember what made you fall in love with him and treat the date as a special time.” Go to a concert in the park and bring a picnic basket with wine if that’s allowed.</p> <p>Outdoor concerts are often free and can be a great way to have a nice evening together and just enjoy each other’s company.</p> <p>Or go out to a nice place for dinner and split an appetizer—order a bottle of wine and make the meal last.</p> <p>“Do this as often as your budget allows, but at least once a month if you can save up for it,” recommends Dr. Michael.</p> </div> </div> </div> <div> <div> <div> <h3>Use the power of touch to your advantage</h3> <div> <div> <div> <p>Touching is small way to reconnect and make contact every day.</p> <p>Even just holding hands releases the love hormone oxytocin, which can strengthen empathy and communication between a couple.</p> <p>“Make sure to hold hands, not only when walking down the street, but at home, in the morning when you first wake up, and at the end of the day before going to sleep,” says Dr. Six.</p> <p>“You don’t have to talk. You can just feel the warmth of your lover’s hand in yours and rest in the comfort of it, enjoying the familiarity of your beloved’s skin and energy.”</p> </div> </div> </div> <div> <div> <div> <h3>Surprise each other with gifts for no reason</h3> <div> <div> <div> <p>A single rose, a new pair of socks, or any small gift just because this person is the love of your life is a simple and heartwarming way to stay connected and keep the spark alive.</p> <p>“When your love was new, you did sweet things like this for each other, but then (like most people) you slacked off, got busy and the novelty wore off,” explains Dr. Six.</p> <p>“Reignite the pleasure of seeing the delight in your partner’s eyes as they find their little gifts and receive their appreciation and gratitude for the small things you do, just like at the beginning, when you were wooing each other.”</p> </div> </div> </div> <div> <div> <div> <h3>Check in on a regular basis</h3> <div> <div> <div> <p>Think of it as a state-of-the-union conversation between the two of you about your relationship.</p> <p>It can be as simple as 15 minutes on the couch where you talk about what made you happy, what moved you.</p> <p>“The mundane tasks of daily living can dull the sparkle in a relationship, but if you make an effort to be genuinely interested in your spouse’s state of mind and how they’re feeling about things in their life and in the relationship, it’ll have you both feeling closer to each other,” says Dr. Six.</p> <p>In bed at night or over dinner, ask each other what your favorite part of the day was and why.</p> <p>You might be surprised to learn what is most meaningful to your mate and you may even chuckle at each other’s answers as you reminisce about the day’s events.</p> <p>This way you’re constantly discovering something new about your partner and sharing in their joy, the way you did in the beginning of your relationship.</p> </div> </div> </div> <div> <div> <div> <h3>Recreate your wedding night</h3> <div> <div> <div> <p>Remember how you felt on your wedding night and recreate that feeling in your lovemaking—that happy, open-hearted bliss.</p> <p>“There’s nothing like wedding night lovemaking, so try and bring it back by conjuring the expanded feeling you had, the immeasurable joy of being received by your spouse and fully receiving them in turn,” says Dr. Six.</p> <p>No flannel that night—better yet, wear what you wore on your wedding night.</p> <p>You know you have that outfit tucked away somewhere, so go ahead and wear it again (if it still fits).</p> <p>You’ll be amazed at how moving it can be as the memories resurface from that day.</p> </div> </div> </div> <div> <div> <div> <h3>Book a vacation (or staycation)</h3> <p>Create a responsibility-free zone by getting away from your house and your normal life, even for just a few days or overnight. Even an inexpensive hotel or Airbnb in your hometown can be enough to relieve your brain of all the concerns of home. “Responsibility is the biggest killer of arousal, so if you can physically remove yourself from those reminders, you can have a care-free honeymoon feeling even decades into your relationship,” says Dr. Holbrook. Doing something out of the ordinary together can bring out many of those new feelings of desire. While you’re at it, agree to unplug electronic devices to help recreate the timelessness and lack of obligations of a honeymoon.</p> <p><strong>This article originally appeared on <a href="https://www.readersdigest.com.au/news-articles/how-to-put-your-marriage-back-in-the-honeymoon-phase" target="_blank" rel="noopener">Reader's Digest.</a></strong></p> <p><em>Image: Shutterstock</em></p> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div>

Relationships

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Readers respond: What was the best and worst phase of your life?

<p>We asked our readers what the biggest highs and lows of their lives were, and we were met with many emotional responses. </p> <p>From wedding days and travelling, to devastating losses, here's what the best and worst phases of your life were. </p> <p><strong>Pauline Cox</strong> - The worst was school days. The best was every other time.</p> <p><strong>Pam West</strong> - The best: my wedding day. The worst: the day my husband died. </p> <p><strong>Maureen Kirkwood</strong> - My best was when I met my darling husband Peter and lived with him. The worse was when I was 49 and Peter died of a heart attack whilst working in Malaysia. He was only 56.</p> <p><strong>Theresa Hignett</strong> - The best was when people said "You can do…". The worst was when they said "You can’t do…", when I knew I could.</p> <p><strong>Jilly Dal</strong> - Having my children was best. Now is worst.</p> <p><strong>Gail Wilmer</strong> - Best part was meeting and marrying my husband. Worst was losing my beautiful Mum &amp; Dad and being diagnosed with cancer, but I fought it and come out the other side stronger than ever so there was good gained from the bad.</p> <p><strong>Kathleen Farrell</strong> - Being a mum is the best and seeing my husband slide into dementia, the worst!</p> <p><strong>Geoff Hunt </strong>- The best part was getting married, raising our four kids then grandkids. The worst part was losing my wife of 45 years to the bloody big C.</p> <p><strong>Marion Junor</strong> - My days with my family. The worst is the world they are inheriting.</p> <p><strong>Judith Hancock</strong> - Best was having my daughters, then 4 gorgeous granddaughters. Worst is Covid.</p> <p><strong>Jennifer Broomhall-White</strong> - Best day was the day I laid eyes on my children’s faces for the first time. Worst day of my life was the day I lost my mother, the one person who truly loved me unconditionally.</p> <p><strong>Lyn Clarke Evans</strong> - Retirement was the best time. My mother dying was the worst time.</p> <p><strong>Col Robinson</strong> - Best my wife and boys, worst coming home from Vietnam.</p> <p><em>Image credits: Getty Images</em></p>

Mind

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Coles offers new perks for shoppers in “next phase” of eBay partnership

<p><span>Coles has taken its partnership with online marketplace eBay to the next stage, with the latest deal allowing shoppers to receive $49 off their order.</span></p> <p><span>On Monday, Coles and eBay announced that a wide range of fresh and frozen foods would be added to their online grocery offerings. Customers will also be able to choose the date and time of delivery.</span></p> <p><span>Shoppers with eBay Plus membership will also gain a $49 discount on their first purchase when they spend over $99, and 5 per cent off every Coles order. The members will also get free delivery on all Coles orders over $49 and <a href="https://www.finder.com.au/ebay-plus-coles-deal">bonus Flybuys points</a>.</span></p> <p><span>Coles will be available on eBay in metropolitan Sydney, Melbourne, Brisbane, Adelaide and Perth.</span></p> <p><span>“We’re thrilled to enter the next phase of our partnership with Coles,” eBay senior director Kristian Haigh said.</span></p> <p><span>“The addition of fresh and frozen food, including everything from milk to bread, means customers can now do their full grocery shop on eBay from the comfort of their own couch.”</span></p> <p><span>Haigh said the most ordered Coles items on the platform included “bulk-sized essentials” such as coffee, rice, and nappies.</span></p> <p><span>Coles <a href="https://www.oversixty.com.au/finance/money-banking/the-way-you-shops-at-coles-is-about-to-change/">began their partnership with eBay in March</a>. “By partnering with eBay, we are providing our customers another convenient way to access our products and have them delivered straight to their door,” said Coles Online’s chief executive Alister Jordan.</span></p> <p><span>Deakin University’s marketing lecturer Michael Callaghan said Coles’ partnership with eBay is “redundant”, as the supermarket giant already has its own online delivery service.</span></p> <p><span>“Successful retailers have a mission. What Coles has been doing lately is too far too diversified, with far too much redundancy,” Dr Callaghan told <em><a href="https://thenewdaily.com.au/money/consumer/2019/09/30/coles-ebay-online-shopping/">The New Daily</a></em>.</span></p> <p><span>“When we’re talking about business, and retail business, the way to make efficient profits is to reduce redundancy, not increase it.”</span></p>

News

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The most annoying feature about overseas travel to be phased out

<p>The most annoying feature about overseas travel is about to be phased out.</p> <p>The green departure card, or Outgoing Passenger Card (OPC), has become obsolete and soon will disappear altogether. And that will be quickly followed by the orange Incoming Passenger Card (IPC).</p> <p>But as recent international travellers would already know, filling out the green paper no longer seems to be mandatory. Officers do not collect the cards at some departure points and for travellers using the automated SmartGate passport reader, there’s no penalty if you fail to place the card in the box.</p> <p>The cards are often a source of frustration for travellers who forget to fill out the card on board and then must quickly scramble to find a pen, their passport and flight numbers.</p> <p>The Department of Immigration and Border Protection (DIBP) confirmed to news.com.au that it would remove the cards, but did specify a date.</p> <p>“Removing paper-based manual processes is integral to achieving a seamless and automated traveller experience,” the DIBP said in a statement to news.com.au on Tuesday.</p> <p>“The DIBP has been reviewing the use of paper-based passenger cards.</p> <p>“Recognising the importance of the data collected on paper-based cards, DIBP has worked closely with the Australian Bureau of Statistics to identify and successfully test alternate data sources instead of relying on manual collection by paper-based cards.</p> <p>“The Government is focused on low contact automated border clearance processes and technologies to manage the 50 million travellers expected annually by 2020.”</p>

International Travel

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Rekindling romance: finding your way back to the honeymoon phase

<p>“The honeymoon phase” – all romantic relationships experience this delirious, blissed out period when everything is new, and birds sing songs about your love. Unfortunately, this almost always comes to a close, and the reality of making a lasting relationship work makes itself known. It doesn’t matter if you’ve been with your partner for months, years, or decades, there are bound to be slumps along the way. What’s important is remembering that they’re not permanent, and that you can do something about it. Here are four ideas for finding your way back to the honeymoon phase.</p> <p><strong>Embrace vanity</strong></p> <p>There’s a general taboo around the desire to ‘look good’, and all that that concept suggests. But looking good isn’t purely a selfish act. Putting in the energy and effort to look good can suggest to your partner that you care about them. As they’re the ones who look at you more than anyone else, a little extra effort can be a powerful signal of your love. You don’t have to lose a dramatic amount of weight, or get hair plugs, but consider how you might dress for them if you were still getting to know them. How would you present yourself for your first date?</p> <p><strong>Listen</strong></p> <p>Listening can be a difficult skill to master (link to previous article about what makes a bad listener?), and those closest to us are quick to spot when we’re not really paying attention. Be conscious of your actions when you’re having a conversation with your partner. What is your body language suggesting? Are you making eye contact? Are you really listening, and absorbing what they’re saying, as opposed to waiting for them to stop talking so that you can contribute? Being genuinely interested in each other is something that will help you get back to that honeymoon feeling.</p> <p><strong>Touch</strong></p> <p>So many people believe that romantic partnerships eventually settle into a companionable friendship after a period of time. If that’s true, then those people are perhaps not using one of their senses to the best of their ability: touch. Physical touch is so important in defining a romantic relationship. The intimacy with which you touch your partner in simple, everyday ways (holding hands, touching their face, stroking their hair) will help reignite passions for other physical activities.</p> <p><strong>Use your words</strong></p> <p>There are some important words you should be using every day in your relationship.</p> <ul> <li>“I’m sorry” – It’s important to own your actions if you make a mistake. It can be so easy to become defensive, even when we know we’re in the wrong. The simple way to sidestep a frosty cold spell is to apologise.</li> <li>“What can I do?” – This simple question can be used in any situation to let your partner know that you’re there to help. By asking what you can do for them (to help with dinner, to ease their troubles, to make them happier), you are reminding them that you are standing beside them through whatever comes next.</li> </ul> <p>What’s your best tip for rekindling romance in your relationship? Let us know in the comments below. </p>

Relationships

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