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

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

Money & Banking

Dave Hughes sets the record straight over famous Block house purchase

Dave Hughes has hit back at long-standing rumours that he grossly overpaid for his house in Melbourne at The Block auctions. The radio host addressed the speculation on 2DAY FM’s Hughesy, Ed & Erin breakfast show, as his co-host Erin Molan queried him about how the investment property was performing. In 2017, Hughesy bought the five-bedroom home in Elsternwick, built by contestants Josh and Elyse on Nine’s long-running reno show, for $3.067 million: a whopping $447,000 over the reserve. Given the steep increase of the price, the purchase of the house led to a lot of talk that Dave Hughes had overspent. Molan told her co-host on-air that a recent value estimate of the property that she’d found online put the home at $3.4 million. Six years on from his purchase and with inflation, stamp duty and other factors weighted, Hughes noted that that $300,000-odd increase in value would actually put him at a loss. However, Hughes said he had recently had the house valued himself, and the news was much better: He was told it is currently worth around $5 million. After the purchase of the house, even Hughes himself conceded that he may have spent much more than what the house was worth. In an interview with Stellar magazine in February 2018, he said that the bank had valued the property at “much less” than he paid. “I went to get a bank loan the other day and they haven’t valued it the same as I paid for it, which is fine, but annoying because there were five bidders,” he said. He said it was “enough less that it made me annoyed”. “For f**k’s sake … I just think it’s good value and in a few years’ time people are going to be going, ‘Well, f**k, didn’t he do well with it!’ I am playing the long game, all right? That is what I say to my wife, anyway.” In September of 2018, he told his then-co-host Kate Langbroek that he’d “copped so much flak” over the purchase. He said, “It was ridiculous and it’s gone on and on and on. A lot of experts weighed into my purchase … There are articles that have been written all year having a go at me. One article from one mob called Property One or something, they had a dinner party discussion about how I paid too much.” Image credits: Nine

Money & Banking

Sweet reason for Ray Hadley's big property purchase

2GB broadcaster Ray Hadley has purchased a stunning Central Coast property with his wife, Sophie. The seaside retreat is situated on the Bouddi Peninsula in New South Wales, right on the water’s edge of Pretty Beach, and boasts impressive views across Brisbane Water - views that a balcony accessed by the living, kitchen, and dining space makes the most of. The property has five bedrooms, allowing plenty of space for Hadley and Sophie to host their visiting family members - and most importantly, their grandkids. Hadley, who currently resides in the northwest of Sydney, has four children with five grandchildren from them. And, in happy news for the family, another on the way. He regularly provides his radio listeners with updates on the growing brood, with a focus on the youngest generation - all of them five and under - who mean the entire world to him. As he told 9Honey, “before I had grandkids five years ago, mates would say, 'you won't believe the difference it makes' ... it's basically changed my life. "Five years ago I had none, now I've got five and another one on the way. They basically are my life. "I just adore them, every one of them, and they've all got different personalities, they're all different people.” He went on to share that the youngest is learning to walk and talk, while the others are prepping for school, with his eldest granddaughter even going so far as to ask him not to work, and to instead come along for her first ever school drop-off. “Just the fact that she asked me to do it made me feel 10-foot tall,” he shared. And the new property will give him the chance to spend more time with them, serving as a midway point for sleepovers, after years of the radio host travelling up the M1 from Sydney to be with them. It isn’t the first time Hadley has dipped his toes into the real estate market, either, with the 68 year old having downsized from his acreage after he turned 66, moving for the first time since the mid-1990s. The home isn’t even his first coastal retreat, with Hadley having snapped up a property on the Gold Coast in 2016, and planning to make an upgrade once again at Main Beach. Though for the time being, he may be a little busy settling into his new home, and maybe even treating himself and Sophie to a night out at their friend John Singleton’s nearby eatery. Images: realestate.com.au, Getty

Real Estate

Garden gurus around the world react to Jamie Durie’s stunning purchase

Located between Kyneton and Daylesford in Victoria’s Central Highlands, the incredible 50-acre Stonefields property was listed through Michael Gibson at Forbes Global Properties, with an asking price of between $8 million and $8.8 million. Purchased as cow paddocks in 2004, Stonefields now features a four-bedroom house, a 16-metre pool with valley views, a chef’s kitchen along with a separate guesthouse and office – all overlooking one of Australia’s best country gardens, complete with Harold, the roaming peacock. Owned by legendary landscape designer Paul Bangay – green thumb to the stars – it’s now set to be passed to longtime gardening pal Jamie Durie for reportedly more than $11 million, with plans to transform into a luxury retreat. Listing agent Michael Gibson, of Forbes Global Properties, declined to comment on the particulars of the price, but <a href="https://www.nine.com.au/property/news/jamie-duries-11-million-deal-for-the-cow-paddock-that-become-one-of-the-worlds-greatest-gardens/02ca77cc-88d8-4a05-b1ee-de194c41ef96" target="_blank" rel="noopener">NineNews</a> reports that whispers in the market are the deal is worth upwards of $11 million. The transaction includes a neighbouring property which contained Stonefield's guest accommodation, to complete a large parcel which Michael confirmed will eventually become Opulus Hotels' newest luxury resort. Paul told Nine when the property was listed in November last year that it was time to pass on the keys to his personal "paradise". "I don't want to talk for the developer but I understand their vision and I think it will be absolutely fabulous," he told Nine. "I think they will do a beautiful job." Paul also said that when he posted news of the listing on his Instagram account, he was floored by the "extraordinary" response from garden lovers around the world. "I didn't realise it was so loved worldwide. It is a garden that belongs to the world - it is the sum of all of my travels and inspirations." Images: Forbes Global Properties

Real Estate

Royal fans react to Kim Kardashian's purchase of Princess Diana's jewellery

The Attallah Cross, famously worn by Diana, Princess of Wales, has reportedly been purchased at auction by none other than reality TV star Kim Kardashian. Kim, best known for her time on Keeping Up With the Kardashians, purchased the piece for $197,453 USD (approximately $284,654.04 AUD) at the Sotheby’s Royal & Noble sale. The necklace was seen on Diana at a Gala for Birthright, now known as Wellbeing of Women, in October 1987. Diana paired the piece with a purple velvet Catherine Walker gown. It features 5.25 carats of circular-cut diamonds that accentuate square-cut amethysts in a cross formation. It was designed by luxury jewellery designer and former crown jeweller Garrard, who made numerous pieces for Diana. Most notably, her iconic sapphire and diamond engagement ring, now in the possession of Catherine, Princess of Wales . Naim Attallah, first owner of the cross, loaned it to her several times throughout their friendship. as friends with Diana and loaned it to her several times. According to reports, the cross hasn’t been seen in public since it was last worn by Diana, who was the only one to ever don it. New owner Kim Kardashian is no stranger to sporting vintage pieces. Most recently, Kim divided the internet when she wore the crystal-encrusted dress Marilyn Monroe wore to serenade US President John F Kennedy with “Happy Birthday” in 1962. The internet erupted with outrage when the news of Kim’s jewellery purchase broke, with critics quick to share their opinion. “Kim Kardashian owning Princess Diana’s cross necklace has put me in a vile mood,” came one gripe. <blockquote class="twitter-tweet"> Kim Kardashian Acquires Bejeweled Cross Worn By Princess Diana For $197,453 <a href="https://t.co/wglEwLyutg">https://t.co/wglEwLyutg</a> <a href="https://t.co/uz1VqiJT8x">pic.twitter.com/uz1VqiJT8x</a> — Forbes (@Forbes) <a href="https://twitter.com/Forbes/status/1615825124472537088?ref_src=twsrc%5Etfw">January 18, 2023</a></blockquote> One individual referenced a popular internet meme featuring Kardashian, in which she was seen crying in the ocean after losing a diamond earring. Doubtful about the necklace’s future, they wrote, “and next week it’s gonna be ‘Kim Kardashian has lost Princess Diana’s iconic diamond cross necklace in the ocean’.” Some fans took the time to point out that the cross was never actually owned by Diana, with one tweeting, “Princess Diana did not own it. The jewellery company let her borrow it for an event.” A few seized the opportunity to try and drag Harry and Meghan into the mix, while some tried to make light of the situation amongst the outrage, bringing it full circle with a throwback to the dress saga with, “sorry Marilyn Monroe, Kim Kardashian is now taking style cues from Princess Diana.” Images: Getty Images

Beauty & Style

Mining workers win $53 million jackpot after “spur of the moment” purchase

It’s said lightning doesn’t strike twice but apparently the lottery does, after a group of miners from Kalgoorlie-Boulder won a share of the $160 million Powerball jackpot - the second time a winning ticket has come from the West Australian mining town. The group of 20 workers had formed a lottery syndicate, chipping in $100 each and walking away with a slice of $53 million in division one winnings on Thursday. With each worker pocketing about $2.65 million, the win has come as a shock to them and their boss, who quipped that he would “run after them” and steal their ticket if they didn’t come back to work. Peter, one of the lucky winners, told <a href="https://www.6pr.com.au/exclusive-record-powerball-winner-says-goldfield-syndicate-had-never-played-lotto-before/" target="_blank" rel="noopener">6PR Radio</a> that the win was “still sinking in”. “I only thought we’d won the second division,” he said. “This was a one-off because it was a big draw … it was a spur of the moment thing. “I couldn’t believe it, I checked the ticket about 10 times.” He went on to tell 9News that it had been “life changing” for all of them and that nobody believed he had won since he’s “a bit of a joker”. Chris Wood, the miners’ boss, said he was still in disbelief at the news too. “They’re great workers; it is my best shift,” Mr Wood told the <a href="https://www.abc.net.au/news/2022-10-28/second-goldfields-powerball-winner/101591758" target="_blank" rel="noopener">ABC</a>. “I’m ecstatic. I’m very happy for each of them. I expect I might lose them, though.” Despite his concerns, one of the miners has already confirmed she would be sticking around after the win. “‘You know how they say, one Powerball and I’m out of here? Well, it ain’t true,” she said in a video shared on Facebook. “I’ve known since the start of my shift and I’m still loading trucks.” “So yeah, there’s 18 at my work who are now millionaires.” The group, colloquially referring to themselves as the “We Outta Here” Syndicate, pinned their winning tickets on the workplace pinboard, having purchased the winning ticket from a newsagency in Boulder, 600km east of Perth. They aren’t the first to rake in a massive lotto win in the town either, after 250 Kalgoorlie residents pooled their tickets to claim the $63 million jackpot in February. As for the remainder of the $160 million Powerball jackpot, it was split between two winners - a NSW dad and a man from Clyde, Victoria, who cried “tears of joy” upon hearing the news. “Oh my god, oh my god. I can’t believe this!” he cried. “Holy s**t! Far out! I’m absolutely speechless. “I never thought I’d get this phone call. This has changed my life!” The winning numbers for Thursday’s Powerball draw were 10, 4, 12, 18, 2, 34, and 7, with 7 being the Powerball number. Images: Getty Images / 7News

Money & Banking

Man purchases home for $1.50 - but there’s a catch!

A man struggling to enter the property market has revealed how he purchased his home for just $1.50 - but there’s a catch. Danny McCubbin, who is originally from the Gold Coast, wanted to upend his life once more and move from busy London. On his mind was a quiet, peaceful area where he could enjoy his life – and the small town in Mussomeli, Mussomeli, took his breath away. “I fell in love with this town,” Danny told news.com.au. Danny took a leap of faith and bought his home in 2019 for just $1.50 (plus a further 3000 euros for notary and inspection fees). However, a condition of the house was that he would have to renovate it within three years of purchase or he’d have to pay a further 5000 euros (AU$7,571) to the government. The pandemic threw a spanner in the works, making Danny’s mission to renovate his home almost impossible. Danny then decided it would be cheaper to purchase another home and renovate that. “I ended up buying myself a house for 8000 euros, which is less than the cost of my car. And I spent 5000 on it and renovated that,” he revealed. “That’s where I live now. It’s a beautiful place, it’s got a view of the mountains, it’s just perfect for me.” Danny offered his best tips to those looking to do the same: spend time in the city where you plan to buy, see as many houses as you can, bring a friend who knows a bit about engineering, and don’t fall for the view. Images: Instagram

International Travel

Video shows Rowan Baxter purchasing killing tools

A video showing Rowan Baxter purchasing the tools he would use to kill Hannah Clarke and their three children has played in court. CCTV showed Baxter at a local Brisbane Bunnings store buying zip ties, cleaning fluid and fuel at about 6 pm on February 17, 2020, just two days before the horrific murder. Wearing a black singlet and shorts, Baxter also appeared to wander around before paying for the items. Later that afternoon, Baxter called a men’s support helpline where he said he was the victim. "My wife, to be honest, it's almost like a game to put her in a better position for family court," he was heard saying, <a href="https://www.9news.com.au/national/inquest-into-hannah-clarkes-death-tracks-killers-movements-in-days-before-murder-brisbane-queensland/d882dce1-d321-4cd6-9791-0f37d4892e91" target="_blank" rel="noopener">Nine News</a> reported. "I'm not the one who has the problem. I'm just doing what I'm told. "I never even thought my wife was capable of doing anything like this." On 19 February, 2020, before Baxter set alight to the family car with Ms Clarke and their three children - Aaliyah, Laianah, and Trey - he was seen at a Caltex petrol station purchasing 4.6L of fuel and three Kinder Surprises. Ms Clarke was taking her three children to school when Baxter doused them with fuel. The three children died at the scene while Ms Clarke was taken to hospital. Baxter later stabbed himself with a knife and died. Ms Clarke suffered burns to 97 per cent of her body and, despite her injuries, was able to give police three statements about what happened. The inquest continues. Image: CCTV footage

Legal

Harry and Meghan secretly purchased domain names for Lilibet before birth

A spokesperson for Prince Harry and Meghan have confirmed that the couple purchased the internet domain names "Lilibet Diana" and "Lili Diana" before their daughter's name was approved by Queen Elizabeth. A spokesman for the Duke and Duchess of Sussex said they had purchased a "significant" number of domain names covering the different baby names they were soldiering, The Telegraph reports. After the admission, questions are being raised as to whether the couple asked for the Queen's approval for naming their child Lilibet, the monarch's own childhood nickname. The registering of several domain names suggest the couple had a Plan B if the Queen had not approved the name Lilibet Diana. The domain name lilibetdiana.com was registered in the US on June 4, The Telegraph reports. June 4 was the day baby Lilibet was born and two days before the announcement was made public. The domain name lilidiana.com was registered several days earlier on May 31 - indicating the baby girl’s name was well and truly settled on before her birth. It’s likely the domain names were bought to stop others from cashing in on the baby’s name, or to launch a foundation in her name later on. “Of course, as is often customary with public figures, a significant number of any potential names that were considered were purchased by their team to protect against the exploitation of the name once it was chosen and publicly shared," the spokesperson said. Lilbet Diana Mountbatten-Windsor was born at 11:40 am local time on June 4.

Family & Pets

The weirdest items you've ever bought at Aldi

TV host Osher Günsberg sparked an interesting discussion after he shared his wild purchases from ALDI, the German supermarket chain. His purchases included a chainsaw. “Soy milk, laundry liquid, chainsaw,” he captioned the post. He added: “Went shopping with Audrey Griffin and the Aldi #aisleofdreams did not disappoint today.” <blockquote style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" class="instagram-media" data-instgrm-captioned="" data-instgrm-permalink="https://www.instagram.com/p/CPrsOMyLQL3/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="13"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"></div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"></div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"></div> </div> </div> <div style="padding: 19% 0;"></div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"></div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" rel="noopener" href="https://www.instagram.com/p/CPrsOMyLQL3/?utm_source=ig_embed&utm_campaign=loading" target="_blank">A post shared by Osher Günsberg (@osher_gunsberg)</a> </div> </blockquote> Australian actor Rob Mills commented saying "it's one of my favourite outings". Others shared their weird purchases from the supermarket. “The other day I went to Aldi and came out with four bananas, three apples and a car battery charger,” one person wrote. “We went in for batteries and came out with a kayak,” another user commented. “My best ever purchase from Aldi was a unicycle, true story,” someone else revealed. Another reader even suggested the bizarre mix of items available on any given day would make a great idea for a TV game show that Günsberg could host. “Give the contestants a couple of hundred dollars in Aldi and see what they buy,” they wrote. “Definitely see who's a smart shopper.”

Money & Banking

11 things to stop buying that’ll save you tons of cash

You can save a heap of money when you’re a little more savvy about where, and what you’re spending it on. Cut these simple things out of your life and you’ll be amazed how much you can save. Lunch bags Sure, your plastic lunch bags are convenient, and we’ve gotten into the habit of buying box after box. But the frequent buying of single-use plastic bags does add up at the end of the year. And they are contributing (negatively) to our mounting plastic pollution problem.<a rel="noopener" href="https://www.torontoenvironment.org/how_long_does_it_take_for_a_plastic_bag_to_break_down" target="_blank"> In fact, plastic bags may spend 500 to 1,000 years or longer in landfill</a>. Although you will have to outlay more for reusable silicon sandwich bags initially, they are endlessly useful. Easy to wash (you can even stack them upside down in the dishwasher) and re-use, these non-toxic bags seal well, are biodegradable (when they have finally passed their use-by-date) and are also microwave safe. As we’ve discussed, the world is drowning in plastic, but there are <a rel="noopener" href="https://www.readersdigest.com.au/home-tipsscience-technology/9-brilliant-ways-other-countries-are-replacing-plastic" target="_blank">many countries that are leading the way in how they deal with the plastic pandemic</a>. Impulse buys We’re not just talking about the items that catch your eye when you shop hungry or wait in the checkout line – but certainly resist those too. The amount of time we spend online makes it easy to see something we never knew we wanted and then, thanks to a few touches and swipes, have it heading our way within minutes. To resist impulse buys, make a rule that all items must sit in an online shopping cart for a minimum of one day before buying. Bonus: some companies offer you a discount when they notice you haven’t yet popped in your credit card details. But, be sure in the end, that need, not the discount, informs your decision. Cleaning products So many of the store-bought cleaning products taking up your cupboard space really could be replaced with a few pantry items (cleaning vinegar and baking soda are two that top the list). <a rel="noopener" href="https://www.readersdigest.com.au/home-tips/why-clean-with-herbs" target="_blank">DIYing your own </a>is easier than you think – it’s mostly a matter of getting into the habit – and the right formulas really do work. Commit to replacing just one of your regular cleaning products with a homemade option. Get used to that, then keep going! Unnecessary groceries One third of all food produced for human consumption ends up being uneaten and discarded every year – around 1.3 billion tonnes of food – costing the global economy close to $940 billion. That’s bad news for your wallet and the environment. Some tips to help: <ul> <li>Check the fridge before you shop, plan your meals and make a shopping list.</li> <li>Get creative with leftovers – overripe fruit and veggies make great smoothies. If you don’t want a smoothie right there and then, pop the overripe fruit and veg in the freezer to use at a later date.</li> <li>When eating out and you don’t finish your food, ask for a ‘doggy bag’.</li> </ul> Paper towels While microfibre cloths will cost you more than paper towels, they will last you way longer. Invest in a stash of pretty cloth napkins, colour-coded for different cleaning jobs, and pop them in the washing machine when they get grotty. This way you will effectively keep paper products out of your kitchen. Greeting cards All those $3 and $5 purchases really do add up. Switching to free ecards instead of sending across the kilometres saves you money on postage, too. Can’t stand the thought of not giving them something to have and to hold? If making cards is up your alley, go for it! (Hold an afternoon card-making session to build up a stash.) Or, just buy an inexpensive box of all-occasion cards, and you’re good to go for years to come. New clothes Stop before you buy new and consider less expensive (and more eco-friendly) thrift and vintage items instead. When looking for current fashion, visit op shops. There are plenty of online alternatives to op shop, too. Vintage items – those 25 years or older – are great for special occasions and statement pieces. They’re easiest to score at local vintage stores or specialised online sites such as the Etsy vintage section. Eating out Dining out costs Australian households almost $5,000 a year, according to <a rel="noopener" href="http://www.the-drop.com.au/wp-content/uploads/2016/11/EatingOutinAustralia_2017_Respondent-Summary.compressed.pdf" target="_blank">Eating Out In Australia</a>. While no one wants to give up going out altogether, there are all kinds of ways you can bring that number down. Plan to take lunch to work or school more often. (Make it fun so it doesn’t feel like you’re skimping.) Go out during happy hour, meet for lunch instead of dinner, or opt for a potluck meal at home – using whatever food is available in your kitchen – instead of an evening out once in a while. App and in-app purchases Schedule some time to review your app subscriptions and quit any you no longer use. (Subscriptions that are automatically billed each month are easy to forget about.) If there are any you do use that have a particularly high in-app purchase rate, research free or low-cost replacements. You could also set a monthly limit that you’re comfortable with, and disable in-app purchases once you’ve met it. And here’s an idea: use apps to save money instead. Apps like You Need a Budget are designed to do just that. Bottled water If you haven’t already, it’s time to stop paying for bottled water when you can get it at home for virtually nothing. If you’re concerned about taste or quality, invest in a water filter. Sparkling water isn’t exactly cheap, either. If you’ve developed a fizzy-water habit, consider a Soda Stream and make your own. You’ll also be cutting down on piles of plastic. And you won’t have to lug home heavy shopping bags full of something you can get out of your tap or water filter. Also, invest in a reusable water bottle so you can take water with you while out and about, and refill at water stations. Name-brand items While it’s true that some generic items don’t compare quality-wise to their higher-priced brand-named counterparts, it’s also true that some generic products are literally identical. This is true of hundreds of items, including patent medicines, food and household items. Written by Elizabeth Flaherty. This article first appeared in <a rel="noopener" href="https://www.readersdigest.com.au/food-home-garden/money/11-things-to-stop-buying-thatll-save-you-tons-of-cash" target="_blank">Reader’s Digest</a>. Find more of what you love from the world’s best-loved magazine, <a href="https://readersdigest.innovations.com.au/c/readersdigestemailsubscribe?utm_source=over60&utm_medium=articles&utm_campaign=RDSUB&keycode=WRA93V">here’s our best subscription offer</a>.

Retirement Income

ALDI shopper's grim warning after purchasing explosive appliance

An ALDI supermarket shopper has issued a warning to customers after a vacuum cleaner she purchased from her local store "exploded" and caused burns to her foot. Taking to Facebook, shopper Diana said her Easy Home Multicuclonic Vacuum Cleaner caught on fire and set off her smoke detectors at her home. The bagless vacuum cleaner has been recalled due to a defect that could see the motor overheat and result in a fire. However, Diana was unaware of the recall, leading to the unfortunate incident. “Just a caution for those of us who purchased the bagless vacuum last year,” wrote Diana on the <a rel="noopener" href="https://www.facebook.com/groups/1034012533313136" target="_blank">Aldi Mums</a> page. “Well today mine exploded and caught on fire, triggering the house smoke detectors and leaving me with burns to my foot. “According to ALDI, there was a recall of the bagless vacuums for this reason which I was not aware of. “Just thought I would put it out there for those who are not familiar with the recall.” A spokesperson for the company urged customers who still own one of the recalled appliances to urgently take it back to their local store. “It is unfortunate that this product has not met our strict safety and quality standards,” an ALDI spokesperson said. “We are actively encouraging anyone who purchased the Multicyclonic Vacuum Cleaner to return the product to any of our stores for a full refund. “We have been promoting this recall on our <a rel="noopener" href="https://www.aldi.com.au/" target="_blank">website</a>, in stores and on our Facebook page.” For more information on the recall, head <a rel="noopener" href="https://7news.com.au/lifestyle/recalls/aldi-easy-home-multicyclonic-vacuum-cleaner-recalled-over-fears-it-could-catch-fire--c-1852023" target="_blank">here</a>.

Legal

"A horror movie": Woman's shock at unwanted guest in purchase

A Woolworths customer has found the funny side to a very disturbing find in her gingerbread house. Shopper Katie explained to Facebook that she found a massive huntsman, complete with egg sac, in a readymade gingerbread house that was purchased from her local supermarket. “Wait Woolworths, this isn’t what I ordered?” laughed Katie. “Only in Australia, only in #2020. “Buy a readymade gingerbread house they said, it’ll be easier than building one they said! “Seriously I don’t say this often but: why me?” <img style="width: 500px; height:281.25px;" src="https://oversixtydev.blob.core.windows.net/media/7839257/woollies.jpg" alt="" data-udi="umb://media/682540a519f74cd3aa37b560b2114a72" /> <div class="post_body_wrapper"> <div class="post_body"> <div class="body_text redactor-styles redactor-in"> She then described how she found it in the packaging. “It was like a horror movie,” she said. “I was making myself a cup of tea, I glanced up at the gingerbread house thinking, ‘Hmmmm I wonder if I can sneak a piece off without the kids noticing.’ “Then I saw it, the tip ... of a leg, and then another leg and then another, and then the body, carrying a mother trucking egg sac. “I’m done!” People were disgusted with the find. “Are you SERIOUS? It’s INSIDE THE BOX,” wrote one. “OMG! Complete with egg sac so it’s been in there a long while!” Katie said she moved the spider outside, and a Woolworths representative apologised for the "scary surprise". “Oh no Katie - this critter just wanted a home, but this is definitely not the right one for her!” the representative said. “Thanks for letting us know, and we apologise for the scary surprise. After all, it’s Christmas, not Halloween. “Please feel free to return the gingerbread house to our store service desk for a replacement - one without an added houseguest!” Photo credits: Facebook </div> </div> </div>

Family & Pets

Mystery family breaks Australian art auction record with one purchase

<div class="body_text redactor-styles redactor-in"> A large Brett Whiteley painting was sold for $5 million in just five minutes to an unidentified Sydney family – for a grand total of $6.136 million including the buyers' premium charged by the auction house. The sale of the painting set a new record price for an Australian artwork at an auction, and the new owners – a family from Sydney's lower north shore – remain anonymous to the wider public as they have chosen not to be revealed as yet. The painting, Henri's Armchair, measures almost 2 metres high by 3 metres in length and is a reference to French painter Henri Matisse, who Whiteley admired. Elizabeth Evatt sold the painting and hoped that a public institution would buy it so it could be enjoyed by the public. "In parting with it I'm coming to terms with parting with Clive two years ago, it's a huge wrench," she said. "To have this amazing painting in our life everyday was magnificent," Mrs Evatt said. Her husband, art dealer Clive Evatt, died in 2018 and bought the painting directly from Whiteley in 1975. She explained the story behind her husband acquiring the painting, as it had never been offered for sale before. Her late husband stopped in at Whiteley's house on his way home from the races and offered to buy the work on the spot. He led Whiteley out to his car, popped open the boot of his car and showed him his winnings from the racetrack. The pair then grabbed the money, counted it together and the sale of the painting was done and dusted. The auctioneer, Justin Turner, said he felt "really great" after the sale. "This has been an amazing year for the art market, it took us all by surprise, we expected the worst when COVID hit," he said. "I thought if we could get through the year without laying off staff that would be a success," he said. The artist's ex-wife Wendy Whiteley, who controls his estate, said before the auction that she hoped for a good result. "I'm not involved with it at all and I certainly can't afford to buy it," she said. Photo credits: <a rel="noopener" href="https://www.msn.com/en-au/money/markets/brett-whiteley-painting-breaks-australian-art-auction-record-selling-for-dollar6136-million/ar-BB1bnx5x?li=AAgfYrC" target="_blank">abc.com.au</a> </div>

Money & Banking

Hilarious mistake found in ALDI Special Buys purchase

An ALDI shopper has spotted a fashion fail in her recent Special Buys purchase. Leonie took to the Aldi Mums Facebook group to share her Organics By Serra Women’s Organic Cotton Long Sleeve Tee, which she purchased from the German supermarket a couple of weeks earlier. She had opened the shirt to wear it to work, but soon discovered that one sleeve is significantly shorter than the other. “I am pretty sure my wrist is going to be feeling the cold today,” she wrote. “I bet someone had a laugh when they made and measured this!” <img style="width: 500px; height: 281.25px; display: block; margin-left: auto; margin-right: auto;" src="https://oversixtydev.blob.core.windows.net/media/7836689/aldi-insert.jpg" alt="" data-udi="umb://media/1d69f752052f4b3d89213ae40debe9c5" /> Her post attracted hundreds of comments, with many joking about the mistake. “At least you don’t have to roll one sleeve up when doing the washing up,” one wrote. “Well it does say long sleeve not long sleeves!” another commented. “It's a new fashion trend don't you know?” one joked. “Like the half shirts covering nothing but boobs or the old fashioned one-shoulder tops. The new trend is a half covered arm. Aldi is bringing a new style in.” Leonie said she ended up changing into a different shirt because “the unevenness would have driven me nuts”.

Beauty & Style

Amsterdam considers banning tourists from purchasing cannabis

Amsterdam is looking into banning tourists from cannabis cafes in a bid to combat over-tourism. A survey of visitors commissioned by Mayor Femke Halsema revealed that more than half visited the 850,000-strong city because they wanted to experience a cannabis-vending coffee shop. Most of the respondents (57 per cent) said the Dutch capital’s coffee shops influenced their decision to come, and 11 per cent said they <a href="https://www.lonelyplanet.com/articles/amsterdam-cannabis-tourist-ban">would not return</a> if they could not access the cafes. About 29 per cent said they would seek out other ways to obtain their drug fix, such as getting a resident to make a purchase on their behalf or through street trading. In a letter released in July 2019, ahead of the survey, Halsema suggested that the coffee shops can put “the quality of life in the city center under pressure”. Following the publication of the survey results, Halsema said the city government should work on “<a href="https://edition.cnn.com/travel/article/amsterdam-tourist-cannabis-usage/index.html">reducing the attraction of cannabis to tourists</a>” and making the Amsterdam cannabis market more transparent. Earlier this month, the city announced that group tours of the main Wallen red-light district and other areas containing sex workers’ windows would be <a href="https://www.lonelyplanet.com/articles/amsterdam-red-light-district-tours-ban">formally outlawed from April 1</a>. Deputy mayor Victor Everhardt said the tours were “disrespectful to see sex workers as a tourist attraction”.

International Travel

The way technology has influenced the way you buy cars

New research from <a href="https://boyleconsulting.com.au/news/">Boyle Consulting</a> has shown that the reason you bought your latest car isn’t for the reasons you think. There are a variety of things that influence you into finding your ideal vehicle. The most important research methods that were helpful to research participants were: <ol> <li style="font-weight: 400;">Visiting a dealership (91 per cent)</li> <li style="font-weight: 400;">Dealership test drives (77 per cent)</li> <li style="font-weight: 400;">Online reviews (75 per cent)</li> <li style="font-weight: 400;">Manufacturer website (69 per cent)</li> <li style="font-weight: 400;">Dealership website (66 per cent)</li> </ol> With 75 per cent of research participants using online reviews to gauge whether or not their new car might be for them, it’s clear that technology has had a large impact on the way that people not only research about new cars but use the information available to make a new decision. The bottom answers in the top five were the manufacturer website and the dealership website, which was used as a research tool for those who are looking to buy a car. Younger drivers found that the opinions of their friends and family impacted them a lot, with 76 per cent of young people using them to make a final decision. This is a 27 per cent increase of Baby Boomers who were asked the same question. Another surprising finding is that buyers visit just two dealerships on average. More than 40 per cent of buyers are just happy to visit one. This shows that buyers are potentially missing out on big discounts as they don’t look at more than two dealerships. Once buyers have made a decision, they will generally purchase the vehicle within two days.

Technology

The things you should NEVER buy from Kmart

With Kmart quickly becoming a staple in many households around Australia, consumer advocacy group <a rel="noopener" href="https://www.choice.com.au/shopping/everyday-shopping/supermarkets/articles/kmart-best-buys-things-to-avoid" target="_blank">Choice</a> has come out with a list of what you should and shouldn’t buy from the discount department store. The team at Choice has confirmed that while some products deliver a premium product for a low price, there are others you’re better off avoiding. Things you SHOULDN’T buy from Kmart: The $189 trampoline Although the trampoline is cheap, it comes fraught with dangers as the advocacy group identified four major safety failures. The trampoline also had a low score of 20 per cent after being rigorously tested. The $55 heater The Anko heater didn’t rate well in testing done by Choice, as it took “more than 57 minutes to raise the temperature in our test room by 5ºC”. The overall score for the heater was a low 48 per cent. The director of reviews and testing brutally reviewed the heater and said it’s “pretty much a warm doorstop”. The $58 large hard suitcase Kmart’s 70cm hard case large luggage completely failed the drop test done by Choice, which meant that the bag sustained significant damage. The luggage testers put the luggage through its paces, by dousing them in water, dropping them from a select height and trying everything they can to break the luggage. Unfortunately, they didn’t have to try very hard with the Kmart Hard Case large luggage. The luggage itself also had other issues, as there is no TSA lock and the “extendable handle is OK to use, you just need to make sure the handle is straight,” according to the <a rel="noopener" href="https://www.choice.com.au/products/travel/on-holidays/luggage/kmart-active-co-70cm-hard-case" target="_blank">review on Choice</a>. Things you SHOULD buy from Kmart: The $89 coffee machine In testing done by Choice, they confirmed that the Anko coffee machine will give you the best bang for your buck. It outperformed a $949 coffee machine on flavour and consistently pumped out hot coffees. The $149 kids’ playpen Choice were pleased to announce that the Kmart playpen is one of the few playpens that passed key safety requirements. Although there are no Australian requirements for playpens, the group tested them to international standards. The playpen also comes with a latched gate, so you don’t need to lift your grandchildren over the fence. The $49 carry-on suitcase The Active & Co 45.5cm soft carry-on suitcase scored 100 per cent in the Choice ‘lift and drop’ test and scored 86 per cent overall. However, the consumer advocacy group have warned that not all luggage available from Kmart is as solid or sturdy as the one they tested, as there are a few poor performers (see ‘The $58 large hard suitcase’ above). Scroll through the gallery above to see all the items you SHOULD and SHOULDN'T buy from Kmart.

Money & Banking

Accidentally made an in-app purchase? Here’s how to cancel it

Lisa Du is director of <a href="https://readytechgo.com.au/" target="_blank">ReadyTechGo</a>, a service that helps people gain the confidence and skills to embrace modern technology. Did you accidentally make an in-app purchase? Or sign yourself up to a subscription? Here’s how to cancel your subscription. Recently, I decided it was time to head back to the gym this week, and thought I would download a free "Workout" app. I had a Samsung smartphone before my iPhone, and used a free workout app. The app allowed me to pick parts of the body I wanted to train, and it would provide a series of exercises. I assumed I could get this same app on my iPhone. Wrong. I downloaded two apps, and both of them required me to pay to "unlock" these workouts. The third app I downloaded got me past the first screen, and stated a free trial for a week, followed by $13.99 USD a week to subscribe to the app. I just needed some handy hints on working out, so I kept clicking the prompts, and next minute, I had enabled my Apple ID to billed $13.99 USD a week, after my free trial. On my Samsung phone, I didn't connect my credit card to my Playstore account, whereas on my Apple iPhone, my App Store account is connected to a credit card. Cancelling this subscription wasn't obvious to me, and I'm sure many of you have accidentally made an in-app subscription purchase, so here are the steps to cancel your subscription: How to cancel your subscription to an app: 1. Tap on Settings 2. Scroll down, and tap on iTunes & App Store <img width="264" height="" src="https://gallery.mailchimp.com/e785dd9ba906ed79fad48bd7e/images/f0fca9af-5136-4a3c-8502-13a17667d0bf.jpg" class="mcnImage" style="max-width: 1242px; line-height: 100%; outline: none; vertical-align: bottom; height: auto !important;"/> 3. Tap on your Apple ID <img width="264" height="" src="https://gallery.mailchimp.com/e785dd9ba906ed79fad48bd7e/images/637edd8f-ca25-4c8d-8386-d9794c9007fc.jpeg" class="mcnImage" style="max-width: 1242px; line-height: 100%; outline: none; vertical-align: bottom; height: auto !important;"/> 4. Tap View Apple ID <img width="264" height="" src="https://gallery.mailchimp.com/e785dd9ba906ed79fad48bd7e/images/75029c8b-4759-4193-9971-7ad470b377e2.png" class="mcnImage" style="max-width: 1242px; line-height: 100%; outline: none; vertical-align: bottom; height: auto !important;"/> 5. Tap on Subscriptions <img width="264" height="" src="https://gallery.mailchimp.com/e785dd9ba906ed79fad48bd7e/images/9e659b82-87d0-40b7-9bbb-ca8a6ebd899f.png" class="mcnImage" style="max-width: 1242px; line-height: 100%; outline: none; vertical-align: bottom; height: auto !important;"/> 6. Tap on Cancel Trial Hope you found those steps handy, so that you cancel any trials before you get billed!

Technology

New method for purchasing flights set to be based on your wealth

Airlines are already able to use online data to vary the prices of a flight based on when a passenger books and how many searches they have done. Now, companies could customise their flight prices even more through a model called “dynamic pricing”, reported <a href="https://www.thesun.co.uk/travel/5693140/airlines-could-price-your-plane-ticket-based-on-how-rich-you-are-using-dynamic-pricing/" target="_blank">The Sun</a>. Dynamic pricing is used when an airline gleans personal information through internet cookies and customer account details to find out how much they earn, how old they are and the likelihood that they are taking a business trip. Airlines could even give a more expensive fare to customers who they think are richer, while those earning less could be given unique offers to entice them to book. John McBride, director of product management for PROs, a software provider for airlines such as Emirates and Lufthansa, said several airlines are now implementing this model. “A handful of large carriers [will] move toward dynamic pricing [in 2018],” he told <a href="http://www.travelweekly.com/Travel-News/Airline-News/Airlines-inching-closer-to-dynamic-pricing" target="_blank">Travel Weekly</a>. It is unconfirmed whether any Australian airlines will use this system. The Airline Tariff Publishing Company (ATPCO) is used by British Airways and KLM as a guide to price their fares, reported <a href="https://www.telegraph.co.uk/travel/news/dynamic-fare-pricing-airline-ticket-personalisation/" target="_blank">The Telegraph.</a> In 2015, ATPCO wrote a report on dynamic pricing, predicting that airlines would be price based on “who is asking”. Passengers may soon find that a search engine is offering a more expensive fare if it thinks you have a high-paying job. However, as it is early days for dynamic pricing, many are questioning if the system is legal or if it actually falls into discrimination. Richard Taylor from the UK’s Civil Aviation Authority told the Telegraph, “If a passenger believes this pricing model is discriminatory in some way, or breaches EU law, they would need to challenge it in a court of law. “A legal ruling would then ensue and be the basis for any follow-up enforcement action. “Passengers need to be made fully aware of what they are getting for their money.” Lufthansa told Sun Online Travel, “The Lufthansa Group takes data protection very seriously. Our fares are not calculated based on personal customer data.” What do you think of dynamic pricing? Share your thoughts in the comments below.

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ALDI shopper's grim warning after purchasing explosive appliance

"A horror movie": Woman's shock at unwanted guest in purchase

Mystery family breaks Australian art auction record with one purchase

Hilarious mistake found in ALDI Special Buys purchase

Amsterdam considers banning tourists from purchasing cannabis

The way technology has influenced the way you buy cars

The things you should NEVER buy from Kmart

Accidentally made an in-app purchase? Here’s how to cancel it

New method for purchasing flights set to be based on your wealth

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