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How can I make summer style part of my self-care routine?

<p>Taking care of yourself doesn’t have to be complicated. With summer just around the corner, it’s a great time to refresh your self-care routine with small changes that help you feel your best. </p> <p>One easy way to do this is by choosing clothing made from breathable Australian cotton and linen. They keep you cool, feel great against the skin and make looking put-together effortless. In this guide, we’ll show you how your summer wardrobe can fit into your self-care routine, featuring pieces from Sussan, a retailer known for easy, comfortable styles that last all season.</p> <p><strong>Simplify your day with matching sets</strong></p> <p><img src="https://oversixtydev.blob.core.windows.net/media/2024/11/Sussan01.jpg" alt="" width="1280" height="720" /></p> <p>A big part of self-care is simplifying your day as much as possible, and that includes your clothing choices. Summer is the time for relaxed, unfussy outfits that don’t require a lot of planning. <a href="https://www.sussan.com.au/clothing/sets" target="_blank" rel="noopener">Matching sets</a> are perfect for this because they take away the guesswork. Everything is already coordinated, which saves you time and makes your mornings easier.</p> <p>A soft denim skirt made from Australian cotton paired with a lightweight tee is breathable and practical for warm days. These pieces help you stay comfy when running errands or enjoying time with friends.</p> <p><strong>Stay cool all day in linen dresses</strong></p> <p><img src="https://oversixtydev.blob.core.windows.net/media/2024/11/Sussan04.jpg" alt="" width="1280" height="720" /></p> <p><a href="https://www.sussan.com.au/clothing/linen/linen-dresses" target="_blank" rel="noopener">Linen dresses</a> are an easy go-to for keeping cool and comfortable during hot summer days. The fabric is light, breathable and perfect for warm weather, which is why it’s a great fit for everything from weekend barbecues to beach walks. With styles like shirt dresses, minis, midis and maxis, there’s plenty of variety to match whatever the day calls for.</p> <p>Styling a linen dress is also simple and practical. With the right accessories, it can easily shift from a casual daytime outfit to an evening look. Style it with a hat for an easy brunch outfit or a trip to the markets. To dress it up, add a light jacket and some jewellery, like a pair of earrings or a statement necklace.</p> <p><strong>Unwind with breathable loungewear</strong></p> <p><img src="https://oversixtydev.blob.core.windows.net/media/2024/11/Sussan03.jpg" alt="" width="1280" height="720" /></p> <p>Practising self-care through summer style can be as simple as choosing clothes that help you relax and feel comfy all day long. This is easy to achieve with loungewear made from pure linen and linen blends.</p> <p>Look for lightweight loungewear tops, pants and shorts that feel soft on the skin and keep you cool as you move through your day. For a summer-ready look, pair a linen top with matching shorts for warm afternoons, or switch to linen pants for a little more coverage on cooler evenings.</p> <p><strong>End your day in Australian cotton sleepwear</strong></p> <p>Winding down at the end of the day feels easier when you’re wearing clothes that make you feel calm and cosy. <a href="https://www.sussan.com.au/shop-the-edit-sleepwear/australian-cotton-sleepwear" target="_blank" rel="noopener">Australian cotton sleepwear</a> in soft, breathable fabrics is a great option as it sits lightly on the skin and keeps you comfortable during warm nights.</p> <p>You can mix and match Australian cotton pyjama tops, tanks, shorts and pants or wear nighties to match your mood and comfort level. These versatile let you settle in and enjoy quiet evenings at home.</p> <p><strong>Wear what feels good this summer</strong></p> <p><strong><img src="https://oversixtydev.blob.core.windows.net/media/2024/11/Sussan02.jpg" alt="" width="1280" height="720" /></strong></p> <p>Updating your summer wardrobe with comfy, breathable pieces is an easy way to bring self-care into your routine. With matching sets, linen dresses, loungewear and soft Australian cotton sleepwear from <a href="https://www.sussan.com.au/" target="_blank" rel="noopener">Sussan</a>, you can have more time to focus on yourself and enjoy the season your way.</p> <p>Start refreshing your wardrobe with these pieces that feel good to wear, and use your summer style to prioritise self-care!</p> <p><em>Images: Sussan</em></p> <p><em>This is a sponsored article produced in partnership with Sussan</em></p>

Beauty & Style

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Readers response: What’s the most unexpected thing you’ve learned about yourself through travel?

<p>When it comes to travelling, it's not uncommon to have revelations about yourself while self-reflecting in a new place. </p> <p>We asked our readers what the most unexpected thing they've learned about themselves is through travel, and the response was overwhelming. Here's what they said.</p> <p><strong>Penny Corbin</strong> - I don't need the cathedrals, monuments, the tours, I just love walking in the space and finding my own beauty wherever it leads me.</p> <p><strong>Dom Cimino</strong> - That I really love meeting people of all backgrounds.</p> <p><strong>Jenny Halkett</strong> - To treat it as an adventure, and don’t be afraid to ask a qualified person for advice.</p> <p><strong>Kristeen Collison</strong> - That I’m more adventurous than I thought.</p> <p><strong>Angie Jansen</strong> - That I love it. Just new places, culture, food, history, the wonderful people, the adventures you have and the memories, it’s the experiencing new things and learning, exploring, being amazed. Just so grateful I can still do it.</p> <p><strong>Palma Hemer </strong>- To have a sense of humour, rain hail or shine.</p> <p><strong>Anne Jenkin</strong> - That I can enjoy the travel by myself but I do like meeting new people on these trips.</p> <p><strong>Kath Sheppard</strong> - To try to learn basic phrases when travelling. It's definitely appreciated.</p> <p><strong>Kerry Fischer</strong> - Soak up the vibe wherever you are! Every place has beauty!</p> <p><strong>Jacqueline Buchanan</strong> - That a smile speaks many languages.</p> <p><strong>Martin Drake</strong> - That there is just too much to see and not enough time.</p> <p><em>Image credits: Shutterstock </em></p>

Travel Tips

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Olympian's life "a living nightmare" after simple self-check out mistake

<p>A former Olympian has spoken about how her life was ruined after she accidentally failed to scan to items at a self-checkout machine in Walmart. </p> <p>Canadian athlete Meaggan Pettipiece, 48, was arrested on March 28 in Indiana for theft, possession of marijuana and possession of a controlled substance.</p> <p>The charges have since been dropped, but Pettipiece lost her prestigious job as the head coach of the Valparaiso University softball team as a result and says her career and reputation have been ruined. </p> <p>The ordeal began when the self-checkout machine at Walmart reportedly failed to scan the asparagus and ham that Pettipiece intended to purchase. </p> <p>Walmart security saw that she failed to scan the items  — worth a total of $67 — prompting them to call the police despite her having paid $167 for her other groceries.</p> <p>Pettipiece was arrested and when police searched her they found three disposable vapes in her purse, along with two unopened blister packs containing anti-nausea medication Zofran.</p> <p>The former athlete said the vapes did not contain any nicotine or THC, and the anti-nausea pills belonged to an assistant coach who had asked her to keep them in her purse during a softball game, days before her arrest. </p> <p>“We both forgot about them,” Pettipiece told the<em> National Post.</em></p> <p>The outlet reported that earlier this month, her lawyer submitted an application for dismissal that included her account of the incident, proof of her assistant’s prescription, and character reference letters.</p> <p>After reading the application, her charges were dropped by justice officials on September 19, but the damage caused by the incident "changed everything". </p> <p>“It is bittersweet,” she told <em>National Post</em>.</p> <p>“I’m happy, obviously, the charges were dismissed. The sad part is the damage it did to my career. It has changed everything in my life.”</p> <p>Pettipiece resigned as head coach of the softball team shortly after the Walmart incident. </p> <p>"It's been five months, a living nightmare. I lost my career, I lost my job, the life I was building and it's been really difficult."</p> <p>Along with the damage to her career, Pettipiece said the effect on her reputation has been equally heartbreaking. </p> <p>“The softball community is a tight-knit group and it (the news) went through like wildfire,” she said. </p> <p>“You really do learn who the people are that really believe in you and trust you and are truly a friend for you." </p> <p>The former athlete is now living in Ohio with her family, and though the charges against her have been dismissed she is worried the damage "can't be reversed". </p> <p>“The tough thing is, how do you get out to people that you are innocent? And this damage was done for something so ridiculous,” Pettipiece told the outlet.</p> <p>“I’m not sure of the future. For now, I’m going to stay at home and focus on my kids. I’d like to figure out which direction I’m going to go in.”</p> <p><em>Image: Valparaiso University Athletics/ </em><em>ZikG / Shutterstock.com</em></p> <p> </p>

Legal

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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>

Retirement Income

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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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Dreading footy season? You’re not alone – 20% of Australians are self-described sport haters

<p><em><a href="https://theconversation.com/profiles/hunter-fujak-290599">Hunter Fujak</a>, <a href="https://theconversation.com/institutions/deakin-university-757">Deakin University</a> and <a href="https://theconversation.com/profiles/heath-mcdonald-92440">Heath McDonald</a>, <a href="https://theconversation.com/institutions/rmit-university-1063">RMIT University</a></em></p> <p>With the winter AFL and NRL seasons about to start, Australia’s sporting calendar is once again transitioning from its quietest to busiest period.</p> <p>For many, the return of the AFL and NRL competitions is highly anticipated. But there is one group whose experience is very different: the approximately 20% of Australians who hate sport.</p> <p>We are currently conducting research to better understand why people feel this way about sport and what their experiences are like living in a nation where sport is so <a href="https://journals.sagepub.com/doi/abs/10.1177/1329878x15616515">culturally central</a>. We have completed surveys with thousands of Australians and are now beginning to interview those who have described themselves as “sport haters”.</p> <h2>Australia, a ‘sports mad’ nation</h2> <p>Australia has long been described as a “<a href="https://www.tandfonline.com/doi/abs/10.1080/14660970902955588">sports mad nation</a>”, a reasonable assertion given the Melbourne Cup attracted crowds of <a href="https://catalogue.nla.gov.au/catalog/2178266">more than 100,000 people</a> as far back as the 1880s.</p> <p>Australia’s sport passion is perhaps most evident today from the number of professional teams we support for a nation of 26 million people, one of the highest per capita <a href="https://www.researchgate.net/profile/Heath-Mcdonald/publication/326140082_Are_Sport_Consumers_Unique_Consumer_Behavior_Within_Crowded_Sport_Markets/links/5e9465fd92851c2f529c4322/Are-Sport-Consumers-Unique-Consumer-Behavior-Within-Crowded-Sport-Markets.pdf">concentrations</a> in the world.</p> <p>In addition to our four distinct football codes – Australian rules football, rugby league, rugby union and soccer – we have professional netball, basketball, cricket and tennis. In all, there are more than <a href="https://www.clearinghouseforsport.gov.au/kb/structure-of-australian-sport">130 professional sport teams in Australia</a> today (across both genders).</p> <p>Australia also hosts – and Australians attend – major sport events at a rate wildly disproportionate to the size of our population and economy. <a href="https://www.blackbookmotorsport.com/news/f1-australian-grand-prix-record-crowd-melbourne-albert-park/">Formula One</a>, the <a href="https://ausopen.com/articles/news/record-breaking-australian-open-ao-2024-numbers">Australian Open</a>, the <a href="https://nbl.com.au/news/nbl-sets-new-season-attendance-record">National Basketball League</a>, the <a href="https://www.smh.com.au/sport/nrl/nrl-attendance-records-tumble-as-fans-flock-back-to-footy-20230902-p5e1ib.html">National Rugby League</a> and <a href="https://mumbrella.com.au/64-of-aussie-population-watched-matildas-new-deakin-research-claims-797902">Matildas</a> have all recently broken attendance or television viewership records.</p> <h2>Why people hate sport</h2> <p>The ubiquity of sport in our culture, however, conceals the fact that a significant portion of people strongly and actively dislike sport. Recent <a href="https://www.tandfonline.com/doi/pdf/10.1080/14413523.2023.2233342">research</a> by one of the co-authors here (Heath McDonald) has begun to shine light on this cohort, dubbed “sport haters”.</p> <p>Sport haters account for approximately 20% of the Australian population, according to two surveys we have conducted of nearly 3,500 and more than 27,000 adults. Demographically, this group is significantly more likely to be female, younger and more affluent than other Australians.</p> <p>Their strong negative sentiments are reflected in the most common word associations <a href="https://www.tandfonline.com/doi/pdf/10.1080/14413523.2023.2233342">study participants</a> used to describe sport. In the case of AFL, these were: “boring”, “overpaid”, “stupid/dumb”, “rough”, “scandal” and “alcohol”.</p> <p>While the reasons for disliking sport vary from person to person, research shows there are some common themes. The first is in childhood, where negative experiences participating in sport or attending games or matches can lead to a life-long dislike of all sport. As one professed sport hater said in an <a href="https://www.reddit.com/r/AskMen/comments/1zxfyt/guys_who_do_not_like_sports_can_you_explain_why/">online forum devoted to men who don’t like sport</a>: "My brother would force me to play soccer against my will all the time as children. I think that is where my resentment for physical sport comes from because the choice was taken away from me by my twat of a brother."</p> <p>Sport hatred can also derive from social exclusion or marginalisation. Sport has historically been a male-centric domain that <a href="https://www.sciencedirect.com/science/article/pii/0277539587900525">celebrates</a> masculinity and can lead to <a href="https://www.abc.net.au/news/2024-02-20/taylor-swift-effect-sports-fandom-nfl/103486274">toxic behaviour</a>, which can exclude many women and some men.</p> <p>Sport has also had to overcome racism, perhaps most symbolically visible by AFL player Nicky Winmar’s <a href="https://www.abc.net.au/news/2023-04-17/nicky-winmar-indigenous-afl-racism-anniversary/102222960">iconic protest</a> in 1993. In addition, individuals with a disability still face <a href="https://www.sportaus.gov.au/integrity_in_sport/inclusive-sport/understanding-our-diverse-audiences/people-with-disability#:%7E:text=People%20with%20disability%20receive%20the,than%20adults%20who%20don't.">barriers</a> that result in lower rates of sport participation.</p> <p>Here, the current <a href="https://www.abc.net.au/news/2024-02-20/taylor-swift-effect-sports-fandom-nfl/103486274">Taylor Swift effect</a> is noteworthy. The singer’s attendance at National Football League games, including the Superbowl, resulted in huge spikes in television viewership. Through her association, Swift helped make the sport more <a href="https://www.sciencedirect.com/science/article/pii/S096969892300317X#bib122">psychologically accessible</a> for many women and girls.</p> <p>The <a href="https://books.google.com.au/books?hl=en&amp;lr=&amp;id=AvjrDwAAQBAJ&amp;oi=fnd&amp;pg=PT125&amp;dq=Contesting+national+Culture&amp;ots=1_lQuBpKK7&amp;sig=dMb-5s0PgpUumUTSFeEKZiNq0dg#v=onepage&amp;q=Contesting%20national%20Culture&amp;f=false">cultural dominance</a> of sport also fuels its detractors, with many critical of sport’s media saturation and its broader social and even political prioritisation. (The <a href="https://www.abc.net.au/news/2024-02-16/macquarie-point-stadium-dominates-election-campaign-day-one/103473124">debate in Tasmania</a> over the controversial AFL stadium proposal is a good case in point.)</p> <p>From a media perspective, Australia’s particularly strict <a href="https://theconversation.com/regardless-of-the-rules-sport-is-fleeing-free-tv-for-pay-and-it-might-be-an-avalanche-154640">anti-siphoning</a> laws have ensured that sport remains front and centre on free-to-air television programming.</p> <p>Sport’s cultural dominance also fosters resentment for overshadowing people’s non-sporting passions and pursuits, as well as creating societal out-groups. Journalist Jo Chandler’s <a href="https://libraryedition.smedia.com.au/lib_a/Default.aspx#panel=document">2010</a> description of moving to Melbourne is no doubt shared by many: "In the workplace, to be unaligned is deeply isolating. Team tribalism infects meetings, especially when overseen by male chiefs. In shameful desperation, I’ve played along."</p> <p>In life, it’s fairly easy to avoid most products you might dislike. But given sport’s ubiquity, simply tuning out is sometimes not an option.</p> <h2>The Anti-Football League, a club for haters</h2> <p>In 1967, two Melbourne journalists, Keith Dunstan and Douglas Wilkie, launched an anti-sport club in response to this growing cultural dominance. In his founding address to the <a href="https://www.academia.edu/7584522/Football_is_a_Fever_Disease_Like_Recurrent_Malaria_and_Evidently_Incurable_Passion_Place_and_the_Emergence_of_an_Australian_Anti_Football_League">Anti-Football League</a>, Wilkie made clear who the club was for: "All of us who are tired of having football personalities, predictions and post mortems cluttering our newspapers, TV screens and attempts at alternative human converse – from beginning-of-morning prayers to the last trickle of bed time bathwater – should join at once."</p> <p>Membership quickly reached the thousands. Soon, a Sydney branch was launched, bringing national membership to a high of around 7,000. According to sport historian Matthew Klugman, members found joy in being “haters”.</p> <p>"…they wanted to find a shared meaning in their suffering, not to extinguish it, but to better enjoy it."</p> <p>This led to some curious rituals, with members ceremonially cremating footballs or burying them. An Anti-Football Day was also launched, taking place on the eve of the Victorian Football League Grand Final.</p> <p>The club would go on to experience periods of both prosperity and hiatus over the years, but has been dormant since <a href="https://www.theage.com.au/national/victoria/vale-keith-dunstan-gentle-footy-hater-cyclist-and-master-of-words-20130911-2tklh.html">Dunstan’s death</a> in 2013.</p> <p>With eight more years to go in Australia’s so-called “<a href="https://this.deakin.edu.au/career/golden-decade-of-sport-ahead-for-australia">golden decade of sport</a>”, which began with <a href="https://www.fiba.basketball/womensbasketballworldcup/2022">2022 Women’s Basketball World Cup in Sydney</a> and culminates with the 2032 Brisbane Olympics, it may be time sport haters to start a new support group.</p> <p>If you consider yourself a sport hater, and are interested in contributing your experience to our ongoing research, please provide your contact information <a href="https://researchsurveys.deakin.edu.au/jfe/form/SV_a4CqHyqipjYj5SC">here</a>.<!-- 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/223733/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><a href="https://theconversation.com/profiles/hunter-fujak-290599"><em>Hunter Fujak</em></a><em>, Senior Lecturer in Sport Management, <a href="https://theconversation.com/institutions/deakin-university-757">Deakin University</a> and <a href="https://theconversation.com/profiles/heath-mcdonald-92440">Heath McDonald</a>, Dean of Economics, Finance and Marketing and Professor of Marketing, <a href="https://theconversation.com/institutions/rmit-university-1063">RMIT 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/dreading-footy-season-youre-not-alone-20-of-australians-are-self-described-sport-haters-223733">original article</a>.</em></p>

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How to be kind to yourself (without going to a day spa)

<p><em><a href="https://theconversation.com/profiles/lydia-brown-179583">Lydia Brown</a>, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a></em></p> <p>“I have to be hard on myself,” Sarah told me in a recent telehealth psychology session. “I would never reach my potential if I was kind and let myself off the hook.”</p> <p>I could empathise with this fear of self-compassion from clients such as Sarah (not her real name). From a young age, we are taught to be kind to others, but self-kindness is never mentioned.</p> <p>Instead, we are taught success hinges on self-sacrifice. And we need a healthy inner critic to bully us forward into becoming increasingly better versions of ourselves.</p> <p>But <a href="https://journals.sagepub.com/doi/abs/10.1177/0146167212445599">research shows</a> there doesn’t have to be a trade-off between self-compassion and success.</p> <p>Self-compassion can help you reach your potential, while supporting you to face the inevitable stumbles and setbacks along the way.</p> <h2>What is self-compassion?</h2> <p><a href="https://self-compassion.org/">Self-compassion</a> has <a href="https://www.tandfonline.com/doi/abs/10.1080/15298860309027">three</a> key ingredients.</p> <p><strong>1. Self-kindness</strong></p> <p>This involves treating yourself with the same kindness you would extend towards a good friend – via your thoughts, feelings and actions – especially during life’s difficult moments.</p> <p>For instance, if you find yourself fixating on a minor mistake you made at work, self-kindness might involve taking a ten-minute walk to shift focus, and reminding yourself it is OK to make mistakes sometimes, before moving on with your day.</p> <p><strong>2. Mindfulness</strong></p> <p>In this context, mindfulness involves being aware of your own experience of stress or suffering, rather than repressing or avoiding your feelings, or over-identifying with them.</p> <p>Basically, you must see your stress with a clear (mindful) perspective before you can respond with kindness. If we avoid or are consumed by our suffering, we lose perspective.</p> <p><strong>3. Common humanity</strong></p> <p>Common humanity involves recognising our own experience of suffering as something that unites us as being human.</p> <p>For instance, a sleep-deprived parent waking up (for the fourth time) to feed their newborn might choose to think about all the other parents around the world doing exactly the same thing – as opposed to feeling isolated and alone.</p> <h2>It’s not about day spas, or booking a manicure</h2> <p>When Sarah voiced her fear that self-compassion would prevent her success, I explained self-compassion is distinct from self-indulgence.</p> <p>“So is self-compassion just about booking in more mani/pedis?” Sarah asked.</p> <p>Not really, I explained. A one-off trip to a day spa is unlikely to transform your mental health.</p> <p>Instead, self-compassion is a flexible <a href="https://link.springer.com/chapter/10.1007/978-3-031-22348-8_7">psychological resilience factor</a> that shapes our thoughts, feelings and actions.</p> <p>It’s associated with a suite of benefits to our <a href="https://iaap-journals.onlinelibrary.wiley.com/doi/abs/10.1111/aphw.12051">wellbeing</a>, <a href="https://www.tandfonline.com/doi/abs/10.1080/15298868.2011.639548">relationships</a> and <a href="https://www.tandfonline.com/doi/abs/10.1080/17437199.2019.1705872">health</a>.</p> <h2>What does the science say?</h2> <p>Over the past 20 years, we’ve learned self-compassionate people enjoy a wide range of benefits. They tend to be <a href="https://iaap-journals.onlinelibrary.wiley.com/doi/abs/10.1111/aphw.12051">happier</a> and have <a href="https://doi.org/10.1016/j.cpr.2012.06.003">fewer psychological symptoms</a> of distress.</p> <p>Those high on self-compassion <a href="https://journals.sagepub.com/doi/abs/10.1177/0146167212445599">persevere</a> following a failure. They say they are more motivated to overcome a personal weakness than those low on self-compassion, who are more likely to give up.</p> <p>So rather than feeling trapped by your inadequacies, self-compassion encourages a <a href="https://hbr.org/2018/09/give-yourself-a-break-the-power-of-self-compassion">growth mindset</a>, helping you reach your potential.</p> <p>However, self-compassion is not a panacea. It will not change your life circumstances or somehow make life “easy”. It is based on the premise that life is hard, and provides practical tools to cope.</p> <h2>It’s a factor in healthy ageing</h2> <p>I research menopause and healthy ageing and am especially interested in the value of self-compassion through menopause and in the second half of life.</p> <p>Because self-compassion becomes important during life’s challenges, it can help people navigate physical symptoms (for instance, <a href="https://www.sciencedirect.com/science/article/pii/S0378512214001649?via%3Dihub">menopausal hot flushes</a>), life transitions such as <a href="https://journals.sagepub.com/doi/10.1177/0956797611429466">divorce</a>, and <a href="https://link.springer.com/chapter/10.1007/978-3-031-22348-8_7">promote healthy ageing</a>.</p> <p>I’ve also teamed up with researchers at <a href="https://www.autismspectrum.org.au/">Autism Spectrum Australia</a> to explore self-compassion in autistic adults.</p> <p>We found autistic adults report significantly <a href="https://link.springer.com/article/10.1007/s10803-022-05668-y">lower levels</a> of self-compassion than neurotypical adults. So we developed an online <a href="https://www.autismspectrum.org.au/blog/new-online-self-compassion-program-for-autistic-adults">self-compassion training program</a> for this at-risk population.</p> <h2>Three tips for self-compassion</h2> <p>You <a href="https://onlinelibrary.wiley.com/doi/abs/10.1002/jclp.21923">can learn</a> self-compassion with these three exercises.</p> <p><strong>1. What would you say to a friend?</strong></p> <p>Think back to the last time you made a mistake. What did you say to yourself?</p> <p>If you notice you’re treating yourself more like an enemy than a friend, don’t beat yourself up about it. Instead, try to think about what you might tell a friend, and direct that same friendly language towards yourself.</p> <p><strong>2. Harness the power of touch</strong></p> <p>Soothing human touch <a href="https://www.frontiersin.org/journals/psychiatry/articles/10.3389/fpsyt.2020.555058/full">activates</a> the parasympathetic “relaxation” branch of our nervous system and counteracts the fight or flight response.</p> <p>Specifically, self-soothing touch (for instance, by placing both hands on your heart, stroking your forearm or giving yourself a hug) <a href="https://www.sciencedirect.com/science/article/pii/S2666497621000655">reduces</a> cortisol responses to psychosocial stress.</p> <p><strong>3. What do I need right now?</strong></p> <p>Sometimes, it can be hard to figure out exactly what self-compassion looks like in a given moment. The question “what do I need right now” helps clarify your true needs.</p> <p>For example, when I was 37 weeks pregnant, I woke up bolt awake one morning at 3am.</p> <p>Rather than beating myself up about it, or fretting about not getting enough sleep, I gently placed my hands on my heart and took a few deep breaths. By asking myself “what do I need right now?” it became clear that listening to a gentle podcast/meditation fitted the bill (even though I wanted to addictively scroll my phone).<!-- 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/223194/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><a href="https://theconversation.com/profiles/lydia-brown-179583"><em>Lydia Brown</em></a><em>, Senior Lecturer in Psychology, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a></em></p> <p><em>Image credits: Getty Images </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/how-to-be-kind-to-yourself-without-going-to-a-day-spa-223194">original article</a>.</em></p>

Caring

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Mothers’ dieting habits and self-talk have profound impact on daughters − 2 psychologists explain how to cultivate healthy behaviors and body image

<p><em><a href="https://theconversation.com/profiles/janet-j-boseovski-451496">Janet J. Boseovski</a>, <a href="https://theconversation.com/institutions/university-of-north-carolina-greensboro-2069">University of North Carolina – Greensboro</a> and <a href="https://theconversation.com/profiles/ashleigh-gallagher-1505989">Ashleigh Gallagher</a>, <a href="https://theconversation.com/institutions/university-of-north-carolina-greensboro-2069">University of North Carolina – Greensboro</a></em></p> <p>Weight loss is one of the most common health and appearance-related goals.</p> <p>Women and <a href="https://www.cdc.gov/nchs/products/databriefs/db340.htm">teen girls</a> are <a href="https://www.cdc.gov/nchs/products/databriefs/db313.htm">especially likely to pursue dieting</a> to achieve weight loss goals even though a great deal of research shows that <a href="https://theconversation.com/what-thin-people-dont-understand-about-dieting-86604">dieting doesn’t work over the long term</a>.</p> <p>We are a <a href="https://www.duck-lab.com/people">developmental psychologist</a> and a <a href="https://psy.uncg.edu/directory/ashleigh-gallagher/">social psychologist</a> who together wrote a forthcoming book, “Beyond Body Positive: A Mother’s Evidence-Based Guide for Helping Girls Build a Healthy Body Image.”</p> <p>In the book, we address topics such as the effects of maternal dieting behaviors on daughters’ health and well-being. We provide information on how to build a foundation for healthy body image beginning in girlhood.</p> <h2>Culturally defined body ideals</h2> <p>Given the strong influence of social media and other cultural influences on body ideals, it’s understandable that so many people pursue diets aimed at weight loss. <a href="https://communityhealth.mayoclinic.org/featured-stories/tiktok-diets">TikTok</a>, YouTube, Instagram and celebrity websites feature slim influencers and “how-tos” for achieving those same results in no time.</p> <p>For example, women and teens are engaging in rigid and extreme forms of exercise such as 54D, a program to <a href="https://54d.com/">achieve body transformation in 54 days</a>, or the <a href="https://health.clevelandclinic.org/75-hard-challenge-and-rules">75 Hard Challenge</a>, which is to follow five strict rules for 75 days.</p> <p>For teens, these pursuits are likely fueled by trendy body preoccupations such as the desire for “<a href="https://www.nytimes.com/2024/02/06/well/move/tiktok-legging-legs-eating-disorders.html">legging legs</a>.”</p> <p>Women and teens have also been been inundated with recent messaging around <a href="https://theconversation.com/drugs-that-melt-away-pounds-still-present-more-questions-than-answers-but-ozempic-wegovy-and-mounjaro-could-be-key-tools-in-reducing-the-obesity-epidemic-205549">quick-fix weight loss drugs</a>, which come with a lot of caveats.</p> <p>Dieting and weight loss goals are highly individual, and when people are intensely self-focused, it is <a href="https://doi.org/10.1521/jscp.2000.19.1.70">possible to lose sight of the bigger picture</a>. Although women might wonder what the harm is in trying the latest diet, science shows that dieting behavior doesn’t just affect the dieter. In particular, for women who are mothers or who have other girls in their lives, these behaviors affect girls’ emerging body image and their health and well-being.</p> <h2>The profound effect of maternal role models</h2> <p>Research shows that mothers and maternal figures <a href="https://doi.org/10.1016/j.brat.2017.11.001">have a profound influence on their daughters’ body image</a>.</p> <p>The opportunity to influence girls’ body image comes far earlier than adolescence. In fact, research shows that these influences on body image <a href="https://www.teenvogue.com/story/how-toxic-diet-culture-is-passed-from-moms-to-daughters">begin very early in life</a> – <a href="https://doi.org/10.1016/bs.acdb.2016.10.006">during the preschool years</a>.</p> <p>Mothers may feel that they are being discreet about their dieting behavior, but little girls are watching and listening, and they are far more observant of us than many might think.</p> <p>For example, one study revealed that compared with daughters of nondieting women, 5-year-old girls whose mothers dieted <a href="https://doi.org/10.1016/S0002-8223(00)00339-4">were aware of the connection between dieting and thinness</a>.</p> <p>Mothers’ eating behavior does not just affect girls’ ideas about dieting, but also their daughters’ eating behavior. The amount of food that mothers eat <a href="https://doi.org/10.1016/j.appet.2018.04.018">predicts how much their daughters will eat</a>. In addition, daughters whose mothers are dieters are <a href="https://doi.org/10.1016/j.appet.2018.04.018">more likely to become dieters themselves</a> and are also <a href="https://doi.org/10.1016/j.eatbeh.2007.03.001">more likely to have a negative body image</a>.</p> <p>Negative body image is <a href="https://theconversation.com/mounting-research-documents-the-harmful-effects-of-social-media-use-on-mental-health-including-body-image-and-development-of-eating-disorders-206170">not a trivial matter</a>. It affects girls’ and women’s mental and physical well-being in a <a href="https://doi.org/10.1177/1359105317710815">host of ways</a> and <a href="https://doi.org/10.1016/j.brat.2011.06.009">can predict the emergence of eating disorders</a>.</p> <h2>Avoiding ‘fat talk’</h2> <p>What can moms do, then, to serve their daughters’ and their own health?</p> <p>They can focus on small steps. And although it is best to begin these efforts early in life – in girlhood – it is never too late to do so.</p> <p>For example, mothers can consider how they think about and talk about themselves around their daughters. Engaging in “fat talk” may inadvertently send their daughters the message that larger bodies are bad, <a href="https://doi.org/10.1016/j.bodyim.2020.07.004">contributing to weight bias</a> and negative self-image. Mothers’ fat talk also <a href="https://doi.org/10.1080/15267431.2021.1908294">predicts later body dissatisfaction in daughters</a>.</p> <p>And negative self-talk isn’t good for mothers, either; it is associated with <a href="https://doi.org/10.1177/1359105318781943">lower motivation and unhealthful eating</a>. Mothers can instead practice and model self-compassion, which involves treating oneself the way <a href="https://doi.org/10.1016/j.bodyim.2016.03.003">a loving friend might treat you</a>.</p> <p>In discussions about food and eating behavior, it is important to avoid moralizing certain kinds of food by labeling them as “good” or “bad,” as girls may extend these labels to their personal worth. For example, a young girl may feel that she is being “bad” if she eats dessert, if that is what she has learned from observing the women around her. In contrast, she may feel that she has to eat a salad to be “good.”</p> <p>Moms and other female role models can make sure that the dinner plate sends a healthy message to their daughters by showing instead that all foods can fit into a balanced diet when the time is right. Intuitive eating, which emphasizes paying attention to hunger and satiety and allows flexibility in eating behavior, is associated with <a href="https://doi.org/10.1007/s40519-020-00852-4">better physical and mental health in adolescence</a>.</p> <p>Another way that women and especially moms can buffer girls’ body image is by helping their daughters <a href="https://doi.org/10.1016/j.bodyim.2021.12.009">to develop media literacy</a> and to think critically about the nature and purpose of media. For example, moms can discuss the misrepresentation and distortion of bodies, such as the use of filters to enhance physical appearance, on social media.</p> <h2>Focusing on healthful behaviors</h2> <p>One way to begin to focus on health behaviors rather than dieting behaviors is to develop respect for the body and to <a href="https://theconversation.com/body-neutrality-what-it-is-and-how-it-can-help-lead-to-more-positive-body-image-191799">consider body neutrality</a>. In other words, prize body function rather than appearance and spend less time thinking about your body’s appearance. Accept that there are times when you may not feel great about your body, and that this is OK.</p> <p>To feel and look their best, mothers can aim to stick to a <a href="https://theconversation.com/whats-the-best-diet-for-healthy-sleep-a-nutritional-epidemiologist-explains-what-food-choices-will-help-you-get-more-restful-zs-219955">healthy sleep schedule</a>, manage their stress levels, <a href="https://theconversation.com/fiber-is-your-bodys-natural-guide-to-weight-management-rather-than-cutting-carbs-out-of-your-diet-eat-them-in-their-original-fiber-packaging-instead-205159">eat a varied diet</a> that includes all of the foods that they enjoy, and <a href="https://theconversation.com/the-runners-high-may-result-from-molecules-called-cannabinoids-the-bodys-own-version-of-thc-and-cbd-170796">move and exercise their bodies regularly</a> as lifelong practices, rather than engaging in quick-fix trends.</p> <p>Although many of these tips sound familiar, and perhaps even simple, they become effective when we recognize their importance and begin acting on them. Mothers can work toward modeling these behaviors and tailor each of them to their daughter’s developmental level. It’s never too early to start.</p> <h2>Promoting healthy body image</h2> <p>Science shows that several personal characteristics are associated with body image concerns among women.</p> <p>For example, research shows that women who are <a href="https://doi.org/10.1016/j.bodyim.2020.02.001">higher in neuroticism</a> <a href="https://doi.org/10.1186/2050-2974-1-2">and perfectionism</a>, <a href="https://doi.org/10.3389/fpsyg.2022.983534">lower in self-compassion</a> or <a href="https://doi.org/10.1016/j.bodyim.2013.08.001">lower in self-efficacy</a> are all more likely to struggle with negative body image.</p> <p>Personality is frequently defined as a person’s characteristic pattern of thoughts, feelings and behaviors. But if they wish, <a href="https://doi.org/10.1002/per.1945">mothers can change personality characteristics</a> that they feel aren’t serving them well.</p> <p>For example, perfectionist tendencies – such as setting unrealistic, inflexible goals – can be examined, challenged and replaced with more rational thoughts and behaviors. A woman who believes she must work out every day can practice being more flexible in her thinking. One who thinks of dessert as “cheating” can practice resisting moral judgments about food.</p> <p>Changing habitual ways of thinking, feeling and behaving certainly takes effort and time, but it is far more likely than diet trends to bring about sustainable, long-term change. And taking the first steps to modify even a few of these habits can positively affect daughters.</p> <p>In spite of all the noise from media and other cultural influences, mothers can feel empowered knowing that they have a significant influence on their daughters’ feelings about, and treatment of, their bodies.</p> <p>In this way, mothers’ modeling of healthier attitudes and behaviors is a sound investment – for both their own body image and that of the girls they love.<!-- 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/221968/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><a href="https://theconversation.com/profiles/janet-j-boseovski-451496"><em>Janet J. Boseovski</em></a><em>, Professor of Psychology, <a href="https://theconversation.com/institutions/university-of-north-carolina-greensboro-2069">University of North Carolina – Greensboro</a> and <a href="https://theconversation.com/profiles/ashleigh-gallagher-1505989">Ashleigh Gallagher</a>, Senior Lecturer, <a href="https://theconversation.com/institutions/university-of-north-carolina-greensboro-2069">University of North Carolina – Greensboro</a></em></p> <p><em>Image credits: Getty Images </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/mothers-dieting-habits-and-self-talk-have-profound-impact-on-daughters-2-psychologists-explain-how-to-cultivate-healthy-behaviors-and-body-image-221968">original article</a>.</em></p>

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‘Self-love’ might seem selfish. But done right, it’s the opposite of narcissism

<p><em><a href="https://theconversation.com/profiles/ian-robertson-1372650">Ian Robertson</a>, <a href="https://theconversation.com/institutions/university-of-wollongong-711">University of Wollongong</a></em></p> <p>“To love what you are, the thing that is yourself, is just as if you were embracing a glowing red-hot iron” <a href="https://archive.org/details/jungsseminaronni0000jung">said psychonalyst Carl Jung</a>.</p> <p>Some may argue this social media generation does not seem to struggle with loving themselves. But is the look-at-me-ism so easily found on TikTok and Instagram the kind of self-love we need in order to flourish?</p> <p>The language of <a href="https://theconversation.com/teaching-positive-psychology-skills-at-school-may-be-one-way-to-help-student-mental-health-and-happiness-217173">positive psychology</a> can be – and often is – appropriated for all kinds of self-importance, as well as cynical marketing strategies.</p> <p>Loving yourself, though, psychological experts stress, is not the same as behaving selfishly. There’s a firm line between healthy and appropriate forms of loving yourself, and malignant or <a href="https://theconversation.com/how-many-types-of-narcissist-are-there-a-psychology-expert-sets-the-record-straight-207610">narcissistic</a> forms. But how do we distinguish between them?</p> <p>In 2023, researchers Eva Henschke and Peter Sedlmeier conducted <a href="https://www.researchgate.net/publication/355152846_What_is_self-love_Redefinition_of_a_controversial_construct">a series of interviews</a> with psychotherapists and other experts on what self-love is. They’ve concluded it has three main features: self-care, self-acceptance and self-contact (devoting attention to yourself).</p> <p>But as an increasingly individualistic society, are we already devoting too much attention to ourselves?</p> <h2>Philosophy and self-love</h2> <p>Philosophers and psychology experts alike have considered the ethics of self-love.</p> <p>Psychology researcher Li Ming Xue and her colleagues, <a href="https://www.frontiersin.org/articles/10.3389/fpsyg.2021.585719/full">exploring the notion of self-love in Chinese culture</a>, claim “Western philosophers believe that self-love is a virtue”. But this is a very broad generalisation.</p> <p>In the Christian tradition and in much European philosophy, <a href="https://www.tandfonline.com/doi/full/10.1080/10848770.2020.1839209">says philosopher Razvan Ioan</a>, self-love is condemned as a profoundly damaging trait.</p> <p>On the other hand, <a href="https://www.jstor.org/stable/2107991">many of the great Christian philosophers</a>, attempting to make sense of the instruction to love one’s neighbour as oneself, admitted certain forms of self-love were virtuous. In order to love your neighbour as yourself, you must, it would seem, love yourself.</p> <p>In the Western philosophical context, claim Xue and her colleagues, self-love is concerned with individual rights – “society as a whole only serves to promote an individual’s happiness”.</p> <p>This individualistic, self-concerned notion of self-love, they suggest, might come from the Ancient Greek philosophers. In particular, Aristotle. But <a href="https://www.psychologytoday.com/intl/blog/philosophy-stirred-not-shaken/201502/love-yourself-love-your-character">Aristotle thought only the most virtuous</a>, who benefited the society around them, should love themselves. By making this connection, he avoided equating self-love with self-centredness.</p> <p>We should love ourselves not out of vanity, he argued, but in virtue of our capacity for good. Does Aristotle, then, provide principled grounds for distinguishing between proper and improper forms of self-love?</p> <h2>Bar too high?</h2> <p>Aristotle might set the bar too high. If only the most virtuous should try to love themselves, this collides head-on with the idea loving yourself can help us improve and become more virtuous – as <a href="https://link.springer.com/chapter/10.1057/9781137383310_6">philosophers Kate Abramson and Adam Leite have argued</a>.</p> <p>Many psychologists claim self-love is important for adopting the kind and compassionate self-perception crucial for overcoming conditions that weaponise self-criticism, like <a href="https://theconversation.com/clinical-perfectionism-when-striving-for-excellence-gets-you-down-43704">clinical perfectionism</a> and <a href="https://theconversation.com/how-many-people-have-eating-disorders-we-dont-really-know-and-thats-a-worry-121938">eating disorders</a>.</p> <p>More broadly, some argue compassion for oneself is necessary to support honest insights into your own behaviour. They believe we need warm and compassionate self-reflection to avoid the defensiveness that comes with the fear of judgement – even if we’re standing as our own judge.</p> <p>For this reason, a compassionate form of self-love is often necessary to follow Socrates’ advice to “know thyself”, says <a href="https://link.springer.com/article/10.1007/s10677-015-9578-4">philosopher Jan Bransen</a>. Positive self-love, by these lights, can help us grow as people.</p> <h2>Self-love ‘misguided and silly’</h2> <p>But not everyone agrees you need self-love to grow. The late philosopher <a href="https://www.theguardian.com/news/2005/nov/29/guardianobituaries.obituaries">Oswald Hanfling</a> was deeply sceptical of this idea. In fact, he argued the notion of loving oneself was misguided and silly. His ideas are mostly rejected by philosophers of love, but pointing out where they go wrong can be useful.</p> <p>When you love someone, he said, you’re prepared to sacrifice your own interests for those of your beloved. But he thought the idea of sacrificing your own interests made no sense – which shows, he concluded, we can’t love ourselves.</p> <p><a href="https://www.jstor.org/stable/3751159">He wrote</a>: "I may sacrifice an immediate satisfaction for the sake of my welfare in the future, as in the case of giving up smoking. In this case, however, my motive is not love but self-interest. What I reveal in giving up smoking is not the extent of my love for myself, but an understanding that the long-term benefits of giving it up are likely to exceed the present satisfaction of going on with it."</p> <p>We often have conflicting interests (think of someone who is agonising over two different career paths) – and it’s not at all strange to sacrifice certain interests for the sake of others.</p> <p>This is not just a question of sacrificing short-term desires in favour of a long-term good, but a matter of sacrificing something of value for your ultimate benefit (or, so you hope).</p> <h2>Self-compassion</h2> <p>Hanfling fails to consider the role of compassionate self-love. While we might understand it’s in our interests to do something (for instance, repair bridges with someone we’ve fallen out with), it might take a compassionate and open disposition towards ourselves to recognise what’s in our best interests.</p> <p>We might need this self-compassion, too, in order to admit our failures – so we can overcome our defensiveness and see clearly how we’re failing to fulfil <a href="https://link.springer.com/article/10.1007/s10677-015-9578-4">these interests</a>.</p> <p>Self-acceptance in this context does not mean giving ourselves licence to run roughshod over the interests of those around us, nor to justify our flaws as “valid” rather than work on them.</p> <p>Self-love, as promoted by contemporary psychologists, means standing in a compassionate relationship to ourselves. And there’s nothing contradictory about this idea.</p> <p>Just as we strive to develop a supportive, kind relationship to the people we care about – and just as this doesn’t involve uncritical approval of everything they do – compassionate self-love doesn’t mean abandoning valid self-criticism.</p> <p>In fact, self-compassion has the opposite effect. It promotes comfort with the kind of critical self-assessment that helps us grow – which leads to resilience. It breeds the opposite of narcissistic self-absorption.<!-- 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/205938/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/ian-robertson-1372650">Ian Robertson</a>, PhD Candidate (Teaching roles at Macquarie &amp; Wollongong), <a href="https://theconversation.com/institutions/university-of-wollongong-711">University of Wollongong</a></em></p> <p><em>Image credits: Getty Images </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/self-love-might-seem-selfish-but-done-right-its-the-opposite-of-narcissism-205938">original article</a>.</em></p>

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Funding for refugees has long been politicized − punitive action against UNRWA and Palestinians fits that pattern

<p><em><a href="https://theconversation.com/profiles/nicholas-r-micinski-207353">Nicholas R. Micinski</a>, <a href="https://theconversation.com/institutions/university-of-maine-2120">University of Maine</a> and <a href="https://theconversation.com/profiles/kelsey-norman-862895">Kelsey Norman</a>, <a href="https://theconversation.com/institutions/rice-university-931">Rice University</a></em></p> <p>At least a dozen countries, including the U.S., have <a href="https://news.un.org/en/story/2024/01/1145987">suspended funding to the UNRWA</a>, the United Nations agency responsible for delivering aid to Palestinian refugees.</p> <p>This follows allegations made by Israel that <a href="https://www.wsj.com/world/middle-east/at-least-12-u-n-agency-employees-involved-in-oct-7-attacks-intelligence-reports-say-a7de8f36">12 UNRWA employees participated</a> in the Oct. 7, 2023, Hamas attack. The UNRWA responded by <a href="https://www.reuters.com/world/middle-east/un-palestinian-refugee-agency-investigates-staff-suspected-role-israel-attacks-2024-01-26/">dismissing all accused employees</a> and opening an investigation.</p> <p>While the seriousness of the accusations is clear to all, and the U.S. has been keen to <a href="https://www.nytimes.com/2024/01/30/us/politics/aid-gaza-israel.html">downplay the significance</a> of its pause in funding, the action is not in keeping with precedent.</p> <p>Western donors did not, for example, defund other U.N. agencies or peacekeeping operations amid accusations of <a href="https://www.hrw.org/news/2020/01/11/un-peacekeeping-has-sexual-abuse-problem">sexual assault</a>, <a href="https://www.justice.gov/usao-sdny/pr/former-un-general-assembly-president-and-five-others-charged-13-million-bribery-scheme">corruption</a> or <a href="https://www.hrw.org/legacy/summaries/s.bosnia9510.html">complicity in war crimes</a>.</p> <p>In real terms, the funding cuts to the UNRWA will affect <a href="https://www.unrwa.org/where-we-work/gaza-strip">1.7 million Palestinian refugees in Gaza</a> along with an additional 400,000 Palestinians without refugee status, many of whom benefit from the UNRWA’s infrastructure. Some critics have gone further and said depriving the agency of funds <a href="https://jacobin.com/2024/01/unrwa-defunding-gaza-israel">amounts to collective punishment</a> against Palestinians.</p> <p>Refugee aid, and humanitarian aid more generally, is theoretically meant to be neutral and impartial. But as experts in <a href="https://www.cambridge.org/core/books/reluctant-reception/558E2A93FF99B8F295347A8FA2053698">migration</a> <a href="https://www.routledge.com/UN-Global-Compacts-Governing-Migrants-and-Refugees/Micinski/p/book/9780367218836">and</a> <a href="https://press.umich.edu/Books/D/Delegating-Responsibility">international relations</a>, we know funding is often used as a foreign policy tool, whereby allies are rewarded and enemies punished. In this context, we believe the cuts in funding for the UNRWA fit a wider pattern of the politicization of aid to refugees, particularly Palestinian refugees.</p> <h2>What is the UNRWA?</h2> <p>The UNRWA, short for the U.N. Relief and Works Agency for Palestine Refugees in the Near East, was established two years after about <a href="https://theconversation.com/the-nakba-at-75-palestinians-struggle-to-get-recognition-for-their-catastrophe-204782">750,000 Palestinians were expelled or fled from their homes</a> during the months leading up to the creation of the state of Israel in 1948 and the subsequent Arab-Israeli war.</p> <p>Prior to the UNRWA’s creation, international and local organizations, many of them religious, provided services to displaced Palestinians. But after <a href="https://cup.columbia.edu/book/refuge-and-resistance/9780231202855">surveying the extreme poverty</a> and dire situation pervasive across refugee camps, the U.N. General Assembly, including all Arab states and Israel, voted to create the UNRWA in 1949.</p> <p>Since that time, <a href="https://www.unrwa.org/what-we-do">the UNRWA has been the primary aid organization</a> providing food, medical care, schooling and, in some cases, housing for the 6 million Palestinians living across its five fields: Jordan, Lebanon, Syria, as well as the areas that make up the occupied Palestinian territories: the West Bank and Gaza Strip.</p> <p>The mass displacement of Palestinians – known as the <a href="https://theconversation.com/the-nakba-at-75-palestinians-struggle-to-get-recognition-for-their-catastrophe-204782">Nakba, or “catastrophe</a>” – occurred prior to the <a href="https://www.unhcr.org/about-unhcr/who-we-are/1951-refugee-convention">1951 Refugee Convention</a>, which defined refugees as anyone with a well-founded fear of persecution owing to “events occurring in Europe before 1 January 1951.” Despite a <a href="https://www.unhcr.org/sites/default/files/legacy-pdf/4ec262df9.pdf">1967 protocol extending the definition</a> worldwide, Palestinians are still excluded from the primary international system protecting refugees.</p> <p>While the UNRWA is responsible for providing services to Palestinian refugees, the United Nations also created the U.N. Conciliation Commission for Palestine in 1948 to seek a <a href="https://www.refworld.org/docid/4fe2e5672.html">long-term political solution</a> and “to facilitate the repatriation, resettlement and economic and social rehabilitation of the refugees and the payment of compensation.”</p> <p>As a result, the UNRWA does not have a mandate to push for the traditional durable solutions available in other refugee situations. As it happened, the conciliation commission was active only for a few years and has since been sidelined in favor of the U.S.-brokered peace processes.</p> <h2>Is the UNRWA political?</h2> <p>The UNRWA has been <a href="https://www.migrationpolicy.org/article/palestinian-refugees-dispossession">subject</a> to political headwinds since its inception and especially during periods of heightened tension between Palestinians and Israelis.</p> <p>While it is a U.N. organization and thus ostensibly apolitical, it has <a href="https://cup.columbia.edu/book/refuge-and-resistance/9780231202855">frequently been criticized</a> by Palestinians, Israelis as well as donor countries, including the United States, for acting politically.</p> <p>The UNRWA performs statelike functions across its five fields – including education, health and infrastructure – but it is restricted in its mandate from performing political or security activities.</p> <p>Initial Palestinian objections to the UNRWA stemmed from the organization’s early focus on economic integration of refugees into host states.</p> <p>Although the UNRWA officially adhered to the U.N. General Assembly’s <a href="https://www.unrwa.org/content/resolution-194">Resolution 194</a> that called for the return of Palestine refugees to their homes, U.N., U.K. and U.S. <a href="https://cup.columbia.edu/book/refuge-and-resistance/9780231202855">officials searched</a> for means by which to resettle and integrate Palestinians into host states, viewing this as the favorable political solution to the Palestinian refugee situation and the broader Israeli-Palestinian conflict. In this sense, Palestinians perceived the UNRWA to be both highly political and actively working against their interests.</p> <p>In later decades, the UNRWA <a href="https://cup.columbia.edu/book/refuge-and-resistance/9780231202855">switched its primary focus</a> from jobs to education at the urging of Palestinian refugees. But the UNRWA’s education materials were <a href="https://cup.columbia.edu/book/refuge-and-resistance/9780231202855">viewed</a> by Israel as further feeding Palestinian militancy, and the Israeli government insisted on checking and approving all materials in Gaza and the West Bank, which it has occupied since 1967.</p> <p>While Israel has <a href="https://cup.columbia.edu/book/refuge-and-resistance/9780231202855">long been suspicious</a> of the UNRWA’s role in refugee camps and in providing education, the organization’s operation, which is internationally funded, <a href="https://www.crisisgroup.org/middle-east-north-africa/east-mediterranean-mena/israelpalestine/242-unrwas-reckoning-preserving-un-agency-serving-palestinian-refugees">also saves</a> Israel millions of dollars each year in services it would be obliged to deliver as the occupying power.</p> <p>Since the 1960s, the U.S. – UNRWA’s primary donor – and other Western countries have <a href="https://cup.columbia.edu/book/refuge-and-resistance/9780231202855">repeatedly expressed their desire</a> to use aid to prevent radicalization among refugees.</p> <p>In response to the increased presence of armed opposition groups, the <a href="https://cup.columbia.edu/book/refuge-and-resistance/9780231202855">U.S. attached a provision</a> to its UNRWA aid in 1970, requiring that the “UNRWA take all possible measures to assure that no part of the United States contribution shall be used to furnish assistance to any refugee who is receiving military training as a member of the so-called Palestine Liberation Army (PLA) or any other guerrilla-type organization.”</p> <p>The UNRWA adheres to this requirement, even publishing an annual list of its employees so that host governments can vet them, but it also <a href="https://www.crisisgroup.org/middle-east-north-africa/east-mediterranean-mena/israelpalestine/242-unrwas-reckoning-preserving-un-agency-serving-palestinian-refugees">employs 30,000 individuals</a>, the vast majority of whom are Palestinian.</p> <p>Questions over the links of the UNRWA to any militancy has led to the rise of Israeli and international <a href="https://cufi.org/issue/unrwa-teachers-continue-to-support-antisemitism-terrorism-on-social-media-un-watch/">watch groups</a> that document the social media activity of the organization’s large Palestinian staff.</p> <h2>Repeated cuts in funding</h2> <p>The United States has used its money and power within the U.N. to block criticism of Israel, vetoing at least <a href="https://www.un.org/depts/dhl/resguide/scact_veto_table_en.htm">45 U.N. resolutions</a> critical of Israel.</p> <p>And the latest freeze is not the first time the U.S. has cut funding to the UNRWA or other U.N. agencies in response to issues pertaining to the status of Palestinians.</p> <p>In 2011, the <a href="https://www.reuters.com/article/idUSTRE79U5ED/#:%7E:text=WASHINGTON%20(Reuters)%20%2D%20The%20United,grant%20the%20Palestinians%20full%20membership.">U.S. cut all funding to UNESCO</a>, the U.N. agency that provides educational and cultural programs around the world, after the agency voted to admit the state of Palestine as a full member.</p> <p>The Obama administration defended the move, claiming it was required by a 1990s law to defund any U.N. body that admitted Palestine as a full member.</p> <p>But the impact of the action was nonetheless severe. Within just four years, UNESCO was <a href="https://onlinelibrary.wiley.com/doi/full/10.1111/1758-5899.12459">forced to cut its staff in half</a> and roll back its operations. President Donald Trump later <a href="https://www.pbs.org/newshour/politics/u-s-and-israel-officially-withdraw-from-unesco">withdrew the U.S. completely from UNESCO</a>.</p> <p>In 2018, the Trump administration paused its <a href="https://www.nytimes.com/2018/08/31/us/politics/trump-unrwa-palestinians.html">US$60 million contribution to the UNRWA</a>. Trump claimed the pause would create political pressure for Palestinians to negotiate. President Joe Biden restarted U.S. contributions to the UNRWA in 2021.</p> <h2>Politicization of refugee aid</h2> <p>Palestinian are not the only group to suffer from the politicization of refugee funding.</p> <p>After World War II, states established different international organizations to help refugees but strategically excluded some groups from the refugee definition. For example, the U.S. funded the <a href="https://www.nationalww2museum.org/war/articles/last-million-eastern-european-displaced-persons-postwar-germany">U.N. Relief and Rehabilitation Administration to help resettle displaced persons after World War II</a> but resisted Soviet pressure to forcibly repatriate Soviet citizens.</p> <p>The U.S. also created a separate organization, <a href="https://academic.oup.com/ijrl/article-abstract/1/4/501/1598187">the precursor to the International Organization for Migration</a>, to circumvent Soviet influence. In many ways, the UNRWA’s existence and the exclusion of Palestinian refugees from the wider refugee regime parallels this dynamic.</p> <p>Funding for refugees has also been politicized through the earmarking of voluntary contributions to U.N. agencies. Some agencies receive funding from U.N. dues; but the UNRWA, alongside the U.N. High Commissioner for Refugees and the International Organization for Migration, receive the majority of their funding from voluntary contributions from member states.</p> <p>These contributions can be earmarked for specific activities or locations, leading to donors such as the <a href="https://www.peio.me/wp-content/uploads/2019/01/PEIO12_paper_107.pdf">U.S. or European Union dictating which refugees get aid and which do not</a>. Earmarked contributions amounted to nearly <a href="https://unsceb.org/fs-revenue-agency">96% of the UNHCR’s budget, 96% of the IOM’s budget and 74% of UNRWA funding in 2022</a>.</p> <p>As a result, any cuts to UNRWA funding will affect its ability to service Palestinian refugees in Gaza – especially at a time when so many are <a href="https://www.cnn.com/2024/01/30/middleeast/famine-looms-in-gaza-israel-war-intl/index.html">facing hunger, disease and displacement</a> as a result of war.<!-- 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/222263/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><a href="https://theconversation.com/profiles/nicholas-r-micinski-207353"><em>Nicholas R. Micinski</em></a><em>, Assistant Professor of Political Science and International Affairs, <a href="https://theconversation.com/institutions/university-of-maine-2120">University of Maine</a> and <a href="https://theconversation.com/profiles/kelsey-norman-862895">Kelsey Norman</a>, Fellow for the Middle East, Rice University's Baker Institute for Public Policy, <a href="https://theconversation.com/institutions/rice-university-931">Rice University</a></em></p> <p><em>Image credits: Getty Images </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/funding-for-refugees-has-long-been-politicized-punitive-action-against-unrwa-and-palestinians-fits-that-pattern-222263">original article</a>.</em></p>

Money & Banking

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Maintaining friendships after a dementia diagnosis can spur feelings of joy and self-worth

<p><em><a href="https://theconversation.com/profiles/colleen-whyte-1281976">Colleen Whyte</a>, <a href="https://theconversation.com/institutions/brock-university-1340">Brock University</a>; <a href="https://theconversation.com/profiles/darla-fortune-1363967">Darla Fortune</a>, <a href="https://theconversation.com/institutions/concordia-university-1183">Concordia University</a>, and <a href="https://theconversation.com/profiles/rebecca-genoe-1363968">Rebecca Genoe</a>, <a href="https://theconversation.com/institutions/university-of-regina-3498">University of Regina</a></em></p> <p>What would our lives be like if we could no longer depend on our most cherished friendships? The people who know us best, who have been there through our ups and downs, and share a history with us?</p> <p>For many people living with dementia, this is a reality. Over 500,000 Canadians <a href="https://alzheimer.ca/en/about-dementia/what-dementia/dementia-numbers-canada">are currently living with dementia</a>, and a diagnosis often leads to <a href="https://www.alzscot.org/news/friendship-and-dementia">a loss of friendships</a> and social opportunities.</p> <p>The reactions of friends greatly affect the experience of someone living with dementia. When friends distance themselves because they don’t know what to say or presume they no longer know how to interact with their friend, a person with dementia can experience <a href="https://www.researchgate.net/publication/275353356_Friendships_for_People_Living_with_Dementia_in_Long-Term_Care">feelings of isolation and loneliness</a>.</p> <p>When people living with dementia can depend on their friends, they continue to enjoy meaningful leisure activities, experience <a href="https://doi.org/10.1093/ageing/afx186">feelings of joy and self-worth</a>, and see themselves as <a href="https://alzheimer.ca/en/take-action/become-dementia-friendly/meaningful-engagement-people-living-dementia">valued members of their social circles</a>.</p> <p><a href="https://dementiaandfriendship.ca/">Our research</a> had us interview friends together, asking them to share tips and strategies for navigating dementia. We heard moving stories of deepened bonds of friendship, genuine acceptance and the joy of simply being together.</p> <h2>Adapting to changes</h2> <p>Our research allowed us to speak with people who shared a 70-year friendship and couldn’t imagine life without each other. We learned that for some, a neighbourhood walk together was an opportunity to say a quick hello and how a weekly trip to the pub enabled some friends to connect and re-connect in a familiar space.</p> <p>People living with dementia and their friends <a href="https://doi.org/10.1017/S0714980821000301">may adapt to changes</a> brought about by the diagnosis in several ways. For example, they may prioritize their friendship by setting aside time for regular phone calls and visits. They may alter the way they think about the friendship by being accepting of the changes. They may also use practical strategies, like providing reminders for plans, and offering additional support when spending time together.</p> <p>Friends of individuals living with dementia may seek ways to <a href="https://doi.org/10.1177/1471301220980898">continue enjoying meaningful time together</a>. Sometimes this involves identifying activities that are comfortable and familiar. It may also involve providing direction and encouragement to support the continuation of enjoyable experiences, such as visiting a favourite restaurant.</p> <p>For some, additional comfort may come from hanging out as a group because there is extra support available if needed.</p> <h2>Open and honest communication</h2> <p>Open and honest communication is key to maintaining any friendship and becomes particularly important following a diagnosis of dementia. Yet, that may be the biggest challenge.</p> <p>Below are <a href="https://dementiaandfriendship.ca/">some questions that friends might find helpful</a> to ask over a cup of coffee, on a walk or in a quiet, shared moment:</p> <ul> <li>What do you value about our friendship? Can I tell you what our friendship means to me?</li> <li>What is one thing I do that makes you laugh? Here’s something you do that makes me laugh…</li> <li>How can we make sure we maintain our friendship (i.e., talk on the phone, over the internet, go for coffee)? How often do you want to connect? How do we need to change our time together? What can stay the same?</li> <li>How can we support each other to continue enjoying the leisure activities that are meaningful to us?</li> <li>What are the best times and days to plan activities (i.e., morning, afternoon, weekday, weekend)? Are there exceptions?</li> <li>Do we need to schedule something in advance (need time to prepare, or get more rest the day before) or can we be spontaneous?</li> <li>Where do you feel safe and able to be yourself?</li> <li>When we are in public and you need me to step in for you, how will I know? What is “our” signal?</li> <li>What do I do if I notice you’re starting to make decisions that are not like you?</li> <li>Can I ask you these same questions in a few weeks?</li> </ul> <p>The need for friendship <a href="https://alzheimer.ca/en/help-support/im-living-dementia/living-well-dementia/staying-socially-connected">does not diminish with age</a> and <a href="https://www.psychologytoday.com/ca/blog/happiness-in-world/201312/the-true-meaning-friendship">friendships continue to deeply enrich our lives</a>.</p> <p>Given that a dementia diagnosis often puts individuals at an increased risk of social isolation, we must pay careful attention to understanding ways to ensure that friends remain engaged with their networks in personal and meaningful ways.</p> <p>The first step is to trust in the friendship and begin to explore how it can be sustained over time.<!-- 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/187038/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><a href="https://theconversation.com/profiles/colleen-whyte-1281976"><em>Colleen Whyte</em></a><em>, Associate Professor in the Department of Recreation and Leisure Studies, <a href="https://theconversation.com/institutions/brock-university-1340">Brock University</a>; <a href="https://theconversation.com/profiles/darla-fortune-1363967">Darla Fortune</a>, Associate Professor, Applied Human Sciences, <a href="https://theconversation.com/institutions/concordia-university-1183">Concordia University</a>, and <a href="https://theconversation.com/profiles/rebecca-genoe-1363968">Rebecca Genoe</a>, Professor, Kinesiology and Health Studies, <a href="https://theconversation.com/institutions/university-of-regina-3498">University of Regina</a></em></p> <p><em>Image credits: Getty Images </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/maintaining-friendships-after-a-dementia-diagnosis-can-spur-feelings-of-joy-and-self-worth-187038">original article</a>.</em></p>

Relationships

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Couple who found love in chemotherapy raise funds for final trip

<p>Ainslie Plumb, 22, and Joe Fan, 29, found love in an unexpected place, at the Royal Brisbane and Women’s Hospital. </p> <p>The couple met in 2022 while they were both undergoing leukaemia treatment. </p> <p>“We met at an event for young people with cancer and became friends following that,” Plumb told <em>7News</em>. </p> <p>“(We) would hang out during our hospital stays, I asked him out in October 2022 and (we) have been together ever since.” </p> <p>While Plumb successfully entered remission, last October, Fan was told that he was now terminal, as doctors had run out of options to treat his Philadelphia chromosome positive acute lymphoblastic leukaemia. </p> <p>With only months left to live, Fan, who has actively given back to the hospital and cancer community by playing his violin for patients and staff and worked with the Queensland Youth Cancer Service, has one final wish - to travel. </p> <p>The couple have set a <a href="https://www.gofundme.com/f/help-joe-live-his-dreams" target="_blank" rel="noopener">GoFundMe</a>, to help raise funds which cover flights, accommodation and specialised travel insurance, for Fan's final trip.</p> <p>“I go through my cancer treatments and observe the toll that takes on my physical and mental wellbeing,” Fan said.</p> <p>“The end of a trip can hopefully mark the start of another — and I have held onto hope, looked forward and dreamed for one more trip, more time, one more experience with that someone I love.”</p> <p>Their first destination will be Taiwan and Hong Kong, where Fan's parents are from and where he spent a majority of his childhood. </p> <p>They also intend to travel to New Zealand and Western Australia to swim with whale sharks at Ningaloo in the state’s north.</p> <p>“We’re aiming at going at the end of February to give us time to co-ordinate with his doctors around his appointments and infusions, which are all booked in advance,” Plumb said. </p> <p>“We recently reached 75 per cent on the fundraiser and are hoping to hit 100 per cent perhaps by the end of January.”</p> <p>As of today, the couple have successfully raised over $21,000 from their $20,000 goal, and have thanked everyone in their community and strangers for their support. </p> <p>“Truly, words do not suffice,” the couple said.</p> <p><em>Images: 7News </em></p> <p> </p>

Relationships

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How to stop self-criticising and build yourself up instead

<p><strong>Stop the self-harm</strong></p> <p>It won’t hurt as much when you say something mean about me if I say it about myself first. For decades, this had been my mantra, a type of self-defence mechanism I developed as a kid against those who would criticise, bully or belittle me. On one hand, it made me humble, aware of my flaws and open to improving myself. On the other, self-criticising stunted my ability to be confident and trust my gut.</p> <p>The self-criticism quickly took on a life of its own – to the point where I was constantly trying to anticipate what people might not like about me and then beat them to the punchline. “I know I can be too much, and you’re probably sick of me,” I’d tell friends, which was a statement born less out of self-awareness and more out of fear. That sort of self-deprecating remark made it impossible to love myself, put others in an awkward position and backfired on quite a few occasions. A new friend once quipped, “If that were true, why would I be friends with you? Are you saying I have bad taste in friends?”</p> <p>That hit hard. For people who didn’t have good intentions, well, I’d just handed them a laundry list of all my insecurities. What I was really saying was I’m afraid you’ll hurt me, so I’ll hurt myself first. That’s a pretty harsh way to live life. Luckily, there’s a path out of the self-criticising trap. I talked to the experts to find out why we’re so good at putting ourselves down – and how to stop.</p> <p><strong>Why do we criticise ourselves so much?</strong></p> <p>I’m not the only one who made self-criticising a personality trait. In fact, a lot of women are conditioned to be this way, says psychologist Dr Traci Stein, who is also an author and creator of a series of programs to fight critical self-talk and build self-compassion.</p> <p>“Having negative thoughts about ourselves is human nature. We all want to fit in, be accepted and not be ostracised,” she explains. “We are all under a lot of pressure to measure ourselves according to other people’s evaluations and expectations. So we subconsciously fixate on something to ‘fix’ so we will feel loved and accepted.”</p> <p>The irony of these thoughts is that while they’re based on a desire to fit in and feel accepted in our community, they often have the opposite result, says Latasha Blackmond, author of Be You, No Filter: How to Love Yourself and Stay #SocialMediaStrong. “Over time, self-criticism does the very thing you’re afraid of: It isolates you by making you very self-centred and, yes, selfish. You’re too busy worrying about yourself to love and help others,” she says.</p> <p>Ouch.</p> <p><strong>What is self-criticism and how do you spot it?</strong></p> <p>Self-criticism is any thought that highlights a flaw or problem you have – or think you have (as Stein points out, critical thoughts are often untrue). These negative thoughts can become ingrained so deeply in your inner voice that they become hard to recognise in the moment.</p> <p>You can identify these thoughts, she says, because they are often self-defeating and repetitive, leading to feelings of insecurity, confusion, self-doubt, sadness and anger. The connection between self-criticising thoughts and negative emotions is so strong that many people with chronic depression find that a habit of severe self-criticism is at the core of their mental illness.</p> <p>Often tell yourself you’re a massive failure? That’s self-criticism. Other examples of self-critical thoughts include:</p> <ul> <li>I’ll never be good enough. I’ve always failed at everything I try.</li> <li>I don’t deserve to be loved.</li> <li>I hate myself.</li> <li>If only I were richer, thinner, prettier or smarter. Then people would like me.</li> <li>I don’t deserve good things, but I deserve all the bad things.</li> <li>I’m so annoying. Everyone must hate me.</li> </ul> <p>These are just the tip of the garbage iceberg. Self-criticism can cover any area of your life, including your body, relationships, sexual encounters, career, finances, goals, hobbies, family and education – even your life in general, Stein says.</p> <p><strong>What is the harm in self-criticising?</strong></p> <p>On a basic level, being able to recognise our own faults benefits us because it gives us a chance to correct them and improve. But this is different from the type of malignant self-criticising many people engage in, Blackmond says. “Self-criticism is rarely productive and often impedes growth,” she says. “You start to believe all the bad things you are saying about yourself, which can then turn into a self-fulfilling prophecy. This, in turn, leads to anxiety and depression, creating a vicious cycle of negativity.”</p> <p>Case in point: You tell yourself you’re too dumb to get the promotion at work, so you don’t even try. When you don’t get the promotion, you tell yourself that proves you were right. You beat yourself up for your “failure,” which reinforces the belief that you are dumb, starting the whole cycle over again.</p> <p>“People who are very self-critical lack the confidence to make mistakes they can learn from. Fearing they aren’t good enough can lead to struggles at school, work and in general, and can lead someone to avoid any situation that generates more worry and self-doubt,” Stein says, adding that these people are also more likely to end up in toxic or abusive relationships.</p> <p>Another issue arises when self-criticism framed as self-improvement turns into excessive worrying, Stein says. “So someone might wind up worrying about an awful lot of things, from whether they are ‘good enough’ in some way to excessive worrying about their health, safety or competence – even if there is no objective evidence suggesting they have something to worry about,” she explains. “These worries take up a lot of time and energy.”</p> <p><strong>How to stop self-criticising once and for all</strong></p> <p>The good news about these negative thoughts is they are just that: thoughts. And you can change your thoughts, Blackmond says. It starts by cultivating a positive mindset through self-compassion. “Be aware of the negative thoughts and interrupt that internal dialogue,” she says. “Change them into something positive. Speak to yourself kindly, like you would to someone you love and care about. You’d never tell your child that they are stupid and ugly, so don’t speak to yourself that way either.”</p> <p>Easier said than done? Here are 12 tips from our experts that will help you cultivate self-compassion and nix harmful critical thoughts.</p> <p><strong>1. Celebrate imperfections </strong></p> <p>Kintsugi is a Japanese art form that repairs broken pottery with gold, highlighting the “flaws” and showing the beauty in breaking down and repairing. Look for kintsugi in your life, metaphorically and physically. “Look to art, music, poetry and prose, drama and [other areas] that celebrate imperfection and see it as a gift, not a flaw to be hidden,” Blackmond says.</p> <p><span style="text-decoration: underline;"><em>Try this:</em></span> Start by reading body-positivity quotes and confidence quotes. For a hands-on lesson in the beauty of imperfections, get a kintsugi craft kit. Or watch a play, read a book or listen to a song that celebrates our flaws.</p> <p><strong>2. Be less judgemental of others</strong></p> <p>People who are harshly critical of others are usually harshly critical of themselves as well, so learning to offer others grace and compassion can open the door to doing the same for yourself, Blackmond says. “It’s about not seeing the world as black or white, good or bad,” she says.</p> <p><span style="text-decoration: underline;"><em>Try this:</em></span> Whenever you catch yourself thinking negatively of someone else – from your sister to a celebrity to a terrible driver – stop the thought and offer a more compassionate take. Let’s say your mind automatically thinks What kind of idiot can’t park between the lines? Replace the thought with a kinder take: This person must have been in a big hurry or having a bad day. I hope things get better for them.</p> <p><strong>3. Delete your social media apps</strong></p> <p>Or at least lessen the amount of time you spend on them. “Social media can have this immense impact on our self-esteem because it encourages us to compare our worst selves to other people’s best selves,” Blackmond says. Besides, what you see is often photoshopped or cherry-picked.</p> <p><span style="text-decoration: underline;"><em>Try this:</em></span> Stop comparing yourself to others. Limit your time on social media to one hour or less per day. Curate your feed, and unfollow anyone who makes you feel bad about yourself.</p> <p><strong>4. Get therapy</strong></p> <p>Self-critical thoughts can be really sticky, especially if you’ve made a habit of them, Stein says. “A good therapist will help you learn to recognise these thoughts, challenge them and come up with anxiety-management strategies,” she says. “They can also act as a mirror, helping you see yourself in a more accurate light.”</p> <p><span style="text-decoration: underline;"><em>Try this:</em></span> Find a therapist who specialises in self-compassion or read a book about self-compassion.</p> <p><strong>5. Do a mindfulness meditation</strong></p> <p>Mindfulness is simply the practice of being present in the here and now, and when you’re focused on this moment, you can’t beat yourself up by looking to the past with regret or looking to the future with worry, Stein says. “Mindfulness meditation is a powerful tool for learning to reframe or stop self-critical thoughts,” she says.</p> <p><span style="text-decoration: underline;"><em>Try this:</em></span> Download a meditation app like Calm, Headspace or The Mindfulness App, and do a daily guided mindfulness meditation. Don’t worry about acing the practice on day one. Being mindful is a learned skill, and mindfulness meditation is useful even at the beginner stage.</p> <p><strong>6. Use self-deprecating humour sparingly </strong></p> <p>Making other people the butt of your jokes is cruel… and so is making yourself the butt of the joke. “A little self-deprecating humour in the right situation can help defuse tension and build relationships, but a little goes a long way,” Blackmond says. Heavy-handed self-deprecating humour makes others uncomfortable, and it can affect how you see yourself.</p> <p>“Be very careful with how you speak about yourself, even in a joking way,” she says. “Better yet, pick a different type of humour to bond over.”</p> <p><span style="text-decoration: underline;"><em>Try this:</em></span> Brush up on your public speaking, and if you’re going to crack a joke, pick one that has nothing to do with you.</p> <p><strong>7. Go outside </strong></p> <p>Self-criticism makes your world get smaller and smaller as you limit yourself. The antidote? Make your world bigger. “When you find yourself getting trapped in a cycle of negativity, go outside and take a walk,” Blackmond says. Breathe the fresh air, look at the sunset, say hi to your neighbours, pick up a little trash along the way – all these things will help you instantly feel better about yourself and the world.</p> <p><span style="text-decoration: underline;"><em>Try this:</em></span> Take a walk outdoors each day and boost both your mental and physical health. Listen to some confidence-boosting songs in the process to really break your negative mindset.</p> <p><strong>8. Learn a new hobby</strong></p> <p>From painting to computer coding to rock climbing, trying new things helps you focus on the positive while “proving” the negative thoughts wrong. The trick, Blackmond says, is to go into it with a positive attitude. Be open to new things and accept that failing is a part of the learning process. “It’s OK to fail,” she says. “Expect mistakes as part of the learning process – celebrate them.”</p> <p><span style="text-decoration: underline;"><em>Try this:</em></span> Sign up for a class, find a new hobby or go back to an activity you used to love.</p> <p><strong>9. End toxic relationships </strong></p> <p>“A lot of us are self-critical because we were criticised early on by parents or other loved ones,” Stein says, adding that people often see this type of criticism as good because it’s “done out of love.” But this is not loving behaviour.</p> <p>“Go where you’re celebrated,” Blackmond says. “Everyone deserves to be celebrated and lifted up by their loved ones.”</p> <p><span style="text-decoration: underline;"><em>Try this:</em></span> Break the cycle by keeping relationships with only those people who build you up and encourage you to grow. Avoid people who use “brutal honesty” or “tough love” to show their care. Stand up for yourself and kick those toxic relationships to the curb.</p> <p><strong>10. Try cognitive behavioural therapy</strong></p> <p>Cognitive behavioural therapy (CBT) and its companion, dialectical behavioural therapy (DBT), are powerful psychological tools for reframing negative thoughts and learning how to think more positively, Stein says. “CBT helps people become more aware of the specific, core beliefs behind all of these in-the-moment worries and identify what is triggering the negative self-talk,” she explains. They sound technical, but the concepts are simple, and anyone can implement them with practice.</p> <p><span style="text-decoration: underline;"><em>Try this:</em></span> Even if you have to get out of your comfort zone a little, it’s worth signing up for a course of CBT. Not ready for that? Do a CBT workbook at home.</p> <p><strong>11. Help other people</strong></p> <p>The fastest way to feel more positively about yourself is to do something positive in the world, Blackmond says. “Self-criticism is inherently selfish. Serving others is selfless,” she says. “Pure altruism sparks a cascade of love and positivity that fills you and radiates outwards.”</p> <p><span style="text-decoration: underline;"><em>Try this:</em></span> Do something for someone who can’t do anything for you, she suggests. For instance, volunteer at a local school or food bank. Not only will you be doing some good in the world, but you’ll reap the many benefits of volunteering.</p> <p><strong>12. Use self-reflection instead of self-criticism </strong></p> <p>No one is saying that you need to think you’re perfect exactly the way you are, or there’s no room for improvement. Rather, Blackmond says, you should be looking honestly and realistically at your flaws. The trick is to do it in a positive way. Self-reflection encourages insight and action based on self-love and a desire to do better and be better, she explains. Self-criticism stops that process, trapping you in a cycle of negativity and stunting your growth.</p> <p><span style="text-decoration: underline;"><em>Try this:</em></span> Keep a journal of the things you like about yourself and the things you can improve on. Practice gratitude for yourself and others. Make positive goals to help you progress in those areas, track your progress and celebrate your successes.</p> <p><strong>Stop the self-criticising cycle </strong></p> <p>“At the core of every self-critical belief is the question ‘Am I lovable and worthy of love the way I am?’ And the answer is yes, you are,” Stein says. Too many people, like me, use self-criticism as a self-defence tool, and it cuts us off from the very love and acceptance we crave.</p> <p>Learning how to build emotional strength and quiet that critical self-talk through self-compassion is the key to stronger relationships and a happier life. “You’ve only got this one life, so don’t waste it on regret and worry,” she says.</p> <p><em>Image credits: Getty Images</em></p> <p><em>This article originally appeared on <a href="https://www.readersdigest.com.au/healthsmart/conditions/mental-health/how-to-stop-self-criticising-and-build-yourself-up-instead?pages=1" target="_blank" rel="noopener">Reader's Digest</a>. </em></p>

Mind

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Baby boomers fight back against "self-entitled whingeing generations"

<p>Angry baby boomers have hit back at young Australians for continuing to blame the ageing population for the current housing crisis. </p> <p>A group of disgruntled seniors have shared their thoughts with the <a href="https://www.smh.com.au/national/blaming-baby-boomers-for-your-money-woes-is-unfair-lazy-and-wrong-20231127-p5en21.html" target="_blank" rel="noopener"><em>Sydney Morning Herald</em></a> about the "self-entitled" young Australians, who are facing never-before-seen financial and social barriers to break into the housing market. </p> <p>The open letters come in the wake of Census data showing empty-nesters are hanging on to their big homes in inner-city suburbs, while young families are struggling to find suitable housing while also battling mortgage stress and renters are getting relentlessly price-gouged. </p> <p>Despite the current system disproportionately affecting younger Australians, boomers have hit back at universal claims that they had it easier back in the day. </p> <p>"We bought and paid for these homes; it's not our job to house the next generations, it's the government's," explained Kathleen Kyle in a letter to the <em>Sydney Morning Herald</em>. </p> <p>"Nobody questions people who spend their money on lovely cars or antiques, or suggests that they don't need them any more."</p> <p>In another letter, Kathy Willis from Kew near Port Macquarie wrote, "Boomers have worked very hard to get what they have, having brought up their families in these homes."</p> <p>"I suggest the discourse be directed to people such as town planners, local councils and state governments for their lack of vision in the past, and what the present authorities are going to do about it – and of course, the taxpayers' expense."</p> <p>Suzanne Hopping from Redfern, Sydney, wrote that she could no longer stay silent on "boomer bashing" from "self-entitled whingeing generations".</p> <p>"I bought my first home when I was 39 in an undesirable suburb. Buying a home (at 17.5 per cent interest) was as difficult then as it is today."</p> <p>"When I left home I had no expectations of ever being able to afford to buy a place of my own."</p> <p>"Self-entitled whingeing generations, if you don't like what you see, do something positive about it. Each generation has its unique problems, stop the moralising."</p> <p>Wendy Cousins from Balgownie NSW wrote that "boomer bashing" is futile, adding, "Why encourage resentment of boomers because many choose to stay in their homes? This will not free up any housing."</p> <p>"Many have already downsized and those who haven't, have a variety of reasons why they don't. We have enough division in our society without the constant boomer bashing."</p> <p>Despite the views of many disgruntled boomers, University of Melbourne Professor Allan Fels, an economist and mental health advocate, said figures show beyond a doubt that life is much tougher for the younger generation, and basic economics prove it is much harder for them to buy a house.</p> <p>"We baby boomers have had it a lot easier than the new generation of young people," he told <a href="https://www.dailymail.co.uk/news/article-12793605/Boomers-hit-self-entitled-whingeing-young-Aussies-reveal-theyre-not-blame-housing-crisis.html" target="_blank" rel="noopener"><em>Daily Mail Australia</em></a>.</p> <p>"They face a future of much less home ownership and associated mental health stability. The mere fact they are missing out is a cause of stress."</p> <p>"The trend of rising prices adds to the stress because many used to think that they could buy their own house but they keep missing out because prices are continually rising just beyond their grasp."</p> <p><em>Image credits: Shutterstock</em></p>

Money & Banking

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15 money-saving habits self-made millionaires have in common

<p><strong>Start saving smarter</strong></p> <p>Learning how to save money like a self-made millionaire can mean the difference between stressing to dress and dressing to impress. It can help you retire younger so you’re able to see more of the world sooner. It can mean finally building that dream house. And more than anything, it can mean having the money when you truly need it.</p> <p>But let’s face it: Not all of us are natural savers. We waste our money on frivolous supermarket buys we’re convinced we have to have in the moment. We don’t bother with high-yield savings or investment accounts. And we have a tendency to try to keep up with the Joneses. In other words, we could really use the help of a self-made millionaire who not only knows the tricks to getting rich but is also skilled at saving. Luckily, we talked to some financial geniuses who were willing to share their expert tips on the money-saving strategies all self-made millionaires share.</p> <p>Whether you’re planning to retire at 30 or are opening your first savings account, these are the money-saving habits you should borrow from self-made millionaires to become one yourself someday.</p> <p><strong>They follow the 50-30-20 rule</strong> </p> <p>Forget complicated budgeting or uncomfortable belt-tightening; the secret to saving big might boil down to three simple numbers. Kimberly Palmer, a personal finance expert at NerdWallet, says that many a self-made millionaire follows the “50-30-20” rule.</p> <p>Using this formula, they put aside 50% of the money they earn for savings and necessities such as rent and groceries, 30% for lifestyle purchases like new clothing and 20% for fun activities like concerts or eating out. By regularly and intentionally setting aside a fixed amount of savings, the self-made millionaire builds a nest egg faster.</p> <p>Ready to try it for yourself? To get started, download a budget app to help you divvy up your income accordingly. “You might find that with some adjustments, such as shifting your food spending toward groceries and away from takeout and restaurants, or cutting back on monthly subscriptions, you can take steps toward reaching your wealth-building goals,” Palmer says.</p> <p><strong>They automate their finances</strong></p> <p>Budgeting is a smart move, but there are times when it can backfire, according to nine-time New York Times bestselling author David Bach, the founder of FinishRich.com. “You’re too busy, and you will just get frustrated and fail,” he says.</p> <p>Instead, self-made millionaires automate their financial lives so they can’t fail. That includes setting up a regular deposit into their savings accounts to be automatically withdrawn from their pay.</p> <p>Bach also recommends using autopay for many of your bills, including car payments, mortgage payments and credit card bills. Doing so helps you avoid missing a payment and getting hit with those pesky late fees, saving you money in the long run. Just make sure to leave out any of these bills you shouldn’t put on autopay.</p> <p><strong>They spend less than they earn</strong></p> <p>Believe it or not, “self-made millionaires don’t necessarily look like millionaires on the outside,” according to Palmer. Rather than spending money on flashy holidays or new clothes, “they often spend less than they earn so they can put their money into savings and investments,” she says.</p> <p>To maximise your savings like a self-made millionaire would, Palmer recommends taking stock of your personal spending and cutting back on categories that matter less to you. For example, if you enjoy taking a big holiday every year, consider cooking lunches and dinners at home to curb your spending at restaurants. On the flip side, maybe you would rather have a smaller clothing budget and create a capsule wardrobe to free up spending for dining out with your friends.</p> <p><strong>They avoid "want spending"</strong></p> <p>Another way self-made millionaires avoid spending more than they earn? They never fall into the trap of “want spending,” according to Tom Corley, an expert on wealth creation and author of Rich Habits. “According to Census Bureau data, there are approximately 30 million people who make more than they need but who are, nonetheless, one pay away from poverty,” he explains. “These individuals engage in something called want spending.”</p> <p>Are you a “want spender”? Corley’s research found that some of the biggest indicators include:</p> <ul> <li>Surrendering to instant gratification, forgoing savings in order to buy things you want now, be it a 60-inch TV, nice holiday, expensive car or fancy pair of shoes</li> <li>Spending too much going out to eat or ordering in</li> <li>Incurring debt in order to finance your standard of living</li> </ul> <p>Essentially, want spenders create their own poverty by rationalising their desire to spend in various ways, whether it be by planning to make more money in the future or relying on the economy improving down the line. That’s why self-made millionaires shun spending money on their wants and focus more on their needs and savings. That said, if you do want to make a purchase that you didn’t budget for, here are some quick ways to earn extra cash.</p> <p><strong>They're smart spenders </strong></p> <p>Impulse purchases can happen to the best of us. No, you didn’t need the trucker hat at the petrol station on your long, boring road trip. And yes, stuff like that, when made a habit, adds up. To prevent extraneous spending and save more money, Corley suggests a few specific strategies that self-made millionaires followed in his research:</p> <ul> <li>They buy in bulk. “If done properly and with the right items, buying in bulk can save your household money and reduce waste,” he says. Toilet paper, soap, laundry detergent, paper towels and shampoo are items proven much cheaper when bought in larger sizes. Prioritise food items like applesauce, canned goods or yoghurt, which can be portioned into glass jars and saved for future use.</li> <li>They create a meal plan. “If you can sketch out a menu for the week that utilises similar ingredients, you’ll have a more focused trip to the supermarket, and you’ll end up throwing less away weeks after it’s been shoved to the back recesses of the refrigerator,” says Corley. “Making a conscious effort here saves you money, and it keeps food waste out of landfills.” For other smart tricks to save money on groceries, consider following a budget grocery list and learning how to find coupons.</li> <li>They reduce energy costs. “Lowering your energy consumption is low-hanging fruit when it comes to cutting monthly expenses,” he explains. This can be as simple as swapping incandescent bulbs for CFLs or LEDs to lower your utility bill.</li> </ul> <p><strong>They prevent lifestyle creep </strong></p> <p>Whether you tried out a new side hustle idea or learned how to negotiate for a higher salary, you’re now bringing in more money. But be careful! It’s all too tempting to splurge on a bigger house or fancier car as your income grows. “It’s a common habit among many who suddenly find themselves making more money,” Corley says. But self-made millionaires avoid increasing their standard of living in order to match their growing income—a money-burning practice called lifestyle creep.</p> <p>In fact, Corley’s research found that a whopping 64% of self-made millionaires lived in a modest, middle-class home; 44% purchased used cars; 41% spent less than $3000 on their annual holiday; and 28% mowed their own lawn to save money.</p> <p>Here’s why lifestyle creep can hurt you financially: “Once you spend your money, it’s gone,” Corley says. “When you hit a bump in the road, such as a job loss, you are then forced to sell your stuff. If the stuff you purchased depreciated in value, you get pennies on the dollar.”</p> <p>As a good rule of thumb, he recommends spending no more than 25% of your annual net pay on housing costs and 5% on car costs, no matter how much you earn.</p> <p><strong>They don't lend money to friends or family </strong></p> <p>The self-made millionaire knows that your love for your family and friends shouldn’t be measured by your generosity, but sometimes that’s exactly what it comes down to. You’re inevitably left in an awkward bind: If you don’t provide a loan, there can be tension, but if you do, you may never get the funds back and might find yourself resenting your pal. “You will lose both your friend and the money, and you’re not a bank,” advises Bach.</p> <p>Say you do lend them money. Did you come up with an agreement for a timeline for repayments? When it comes to friends or family, setting such boundaries can be difficult, but it’s even more awkward to continuously ask for the money back.</p> <p>If self-made millionaires absolutely must lend money to someone near and dear, they make sure the loan isn’t open-ended. Bach recommends coming up with a timeline and sticking to it. You can also take advantage of companies that specialise in peer-to-peer lending, like Zirtue, which formalises loans between family members and friends.</p> <p><strong>They're frugal, not cheap </strong></p> <p>Although it may seem counterintuitive, buying cheaper products is not a common money-saving habit among self-made millionaires. In fact, Corley’s research found that 66% of poor people admitted to being cheap. “Cheap, to them, meant spending their money on the cheapest product or service available,” he explains. But cheap products break or deteriorate at a much quicker rate than quality products, which means you end up spending more in the long run.</p> <p>He also points out that, when looking for services, those who provide cheap ones are typically inexperienced or not very good at what they do. “If they were good, they would be able to command higher prices. Cheap service providers can get you in a lot of trouble, especially when it comes to taxes, legal representation or even just getting your car fixed. Cheap service providers are able to keep their fees down by paying their staff lower wages. This means they are not getting the best staff or are settling for inexperienced staff.”</p> <p>Being cheap won’t make you poor, but it will mean you save less money because you’re constantly shelling out for new products or services to replace the low-quality ones you bought in the first place. Self-made millionaires focus on buying fewer, higher-quality products that will last a long time.</p> <p><strong>They don't play the comparison game</strong></p> <p>Keeping up with the Joneses is more tempting (and common!) then you might think. According to a recent NerdWallet survey, 83% of Americans say they overspend due to social pressures from seeing others dining at expensive restaurants or taking fancy trips abroad. “It’s easy to get caught up in overspending, especially when you see peers or neighbours spending more than you on cars, houses or vacations,” Palmer says.</p> <p>But when rich people feel green with envy, Palmer says, they put things into perspective—and keep in mind that what they’re seeing may not be the entire picture. “It’s important to take a step back and realise you might not want the same things they have, or they might be creating financial stress for themselves by buying those things,” she says.</p> <p><strong>They pay themselves first </strong></p> <p>By setting aside a portion of their income every day, week or month—in other words, “paying yourself first”—self-made millionaires take one of the most important steps towards building wealth, according to Bach. “You’re going to work 90,000 hours over your lifetime; you should keep at least an hour a day of the income,” he says.</p> <p>He recommends setting aside an hour’s worth of your income each day and then saving and investing it—preferably automatically to begin earning some passive income and reach that high-roller status.</p> <p><strong>They find a passive income source</strong></p> <p>Speaking of passive income, self-made millionaires save even more money by investing their savings in an account that creates passive income through accumulated interest, such as a high-yield savings or investment account. There are several types of accounts to consider, and ultimately, the one you choose will depend on your financial goals.</p> <p>“No strategy is a one-size-fits-all approach, since everyone’s financial situation is unique and different,” Palmer says. She recommends speaking with a financial advisor to learn the right strategy for you and to avoid the most common retirement-planning mistakes.</p> <p><strong>They put away the credit card</strong></p> <p>Credit cards can sabotage even the best of savers, according to Corley. “Credit card use can easily get out of control,” he says. “If you rely on credit cards to pay for ordinary living expenses, that means you are living beyond your means.”</p> <p>Not only are there high interest rates on credit card debt, but paying with plastic could also trick you into spending more money. In a study published in the journal Marketing Letters, MIT researchers found that shoppers spend up to 100% more when paying with a credit card—and were even willing to pay twice as much for an item as those who paid in cash.</p> <p>The 100-day credit card money-saving challenge could help you break bad spending habits, according to Corley. Essentially, the goal is to go 100 days without using your credit cards for purchases. The result? “Having to use cash or your ATM card forces spending awareness and restricts how much you can spend,” Corley says.</p> <p><strong>They design their dreams </strong></p> <p>What do you want your life to look like in five, 10 or 20 years? Self-made millionaires always know their answer to this question, Corley says. He calls this dream-setting or creating a clear vision of your ideal future life. From there, you should set and pursue financial goals that will help you accomplish those dreams. “Dream-setting is a springboard for creating the goals you’ll need in order to help you get to your destination,” he says.</p> <p>For example, if you want to earn a master’s degree so you can get a job with a higher salary, you can set goals like setting aside two hours every day to study for the graduate record exam (GRE). “Goals are the transportation system to your ideal future life,” Corley says. “Once you have a clear vision of your destination, the goals you’ll need to achieve will magically manifest themselves out of thin air.”</p> <p><strong>They invest in themselves </strong></p> <p>There’s no question that saving and investing your money is key to accumulating wealth fast. But according to Corley, the first (and most important!) money-saving habit that self-made millionaires practice is investing in themselves—whether that means reading for at least 30 minutes a day, listening to podcasts during a long commute or seeking out career mentors.</p> <p>Exactly how should you invest in yourself? The self-made millionaires in Corley’s research focused their daily reading on content that was directly related to the dreams and goals they were pursuing.</p> <p><strong>They never give up</strong></p> <p>Maybe it sounds cliche, but it’s the type of mindset that will keep you above water. “No matter what happens, no matter how many times you fail, as long as you get up and try again, you haven’t lost,” says Bach. So commit to the sort of money-saving tricks a self-made millionaire would follow, but give yourself a break if you fall off the wagon. Dust yourself off and recommit to your saving strategies.</p> <p><em>Image credits: Getty Images </em></p> <p><em>This article originally appeared on <a href="https://www.readersdigest.com.au/food-home-garden/money/15-money-saving-habits-self-made-millionaires-have-in-common?pages=1" target="_blank" rel="noopener">Reader's Digest</a>. </em></p>

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Medical Research Future Fund has $20 billion to spend. Here’s how we prioritise who gets what

<p><em><a href="https://theconversation.com/profiles/adrian-barnett-853">Adrian Barnett</a>, <a href="https://theconversation.com/institutions/queensland-university-of-technology-847">Queensland University of Technology</a> and <a href="https://theconversation.com/profiles/philip-clarke-1149967">Philip Clarke</a>, <a href="https://theconversation.com/institutions/university-of-oxford-1260">University of Oxford</a></em></p> <p>The <a href="https://www.health.gov.au/our-work/medical-research-future-fund">Medical Research Future Fund</a> (MRFF) is a A$20 billion fund to support Australian health and medical research. It was set up in 2015 to deliver practical benefits from medical research and innovation to as many Australians as possible.</p> <p>Unlike the other research funding agencies, such the National Health and Medical Research Council (NHMRC), most of the MRFF funding is priority-driven. It seeks to fund research in particular areas or topics rather than using open calls when researchers propose their own ideas for funding.</p> <p>As the <a href="https://www.smh.com.au/politics/federal/not-how-you-run-a-1b-scheme-science-fund-backers-lead-chorus-for-reform-20230619-p5dhni.html">Nine newspapers</a> outlined this week, researchers have criticised the previous Coalition government’s allocation of MRFF funds. There is widespread consensus the former health minister had <a href="https://www.theage.com.au/politics/federal/a-centre-never-built-and-a-hospital-that-missed-out-the-coalition-s-unusual-20b-research-fund-20230619-p5dhng.html">too much influence</a> in the allocation of funds, and there was limited and sometimes no competition when funding was directly allocated to one research group.</p> <p>The current Health Minister, Mark Butler, has instituted a <a href="https://www.innovationaus.com/billion-dollar-medical-research-grants-process-under-review/">review</a>. So how should the big decisions about how to spend the MRFF be made in the future to maximise its value and achieve its aims?</p> <h2>Assess gaps in evidence</h2> <p>Research priorities for the MRFF are set by the <a href="https://www.health.gov.au/committees-and-groups/australian-medical-research-advisory-board-amrab?language=und">Australian Medical Research Advisory Board</a>, which widely consults with the research sector.</p> <p>However, most researchers and institutions will simply argue more funding is needed for their own research. If the board seeks to satisfy such lobbying, it will produce fragmented funding that aligns poorly with the health needs of Australians.</p> <p>A better approach would be to systematically assemble evidence about what is known and the key evidence gaps. Here, the board would benefit from what is known as a “<a href="https://pubmed.ncbi.nlm.nih.gov/15484602/">value of information</a>” framework for decision-making.</p> <p>This framework systematically attempts to quantify the most valuable information that will reduce the uncertainty for health and medical decision-making. In other words, it would pinpoint which information we need to allow us to better make health and medical decisions.</p> <p>There have been <a href="https://pubmed.ncbi.nlm.nih.gov/30288400/">attempts</a> to use this method in Australia to help inform how we prioritise hospital-based research. However, we now need to apply such an approach more broadly.</p> <h2>Seek public input</h2> <p>A structured framework for engaging with the public is also missing in Australia. The public’s perspective on research prioritisation has often been overlooked, but as the ultimate consumers of research, they need to be heard.</p> <p>Research is a highly complex and specialised endeavour, so we can’t expect the public to create sensible priorities alone.</p> <p>One approach used overseas has been developed by the <a href="https://www.jla.nihr.ac.uk/">James Lind Alliance</a>, a group in the United Kingdom that combines the public’s views with researchers to create agreed-on priorities for research.</p> <p>This is done using an intensive process of question setting and discussion. Priorities are checked for feasibility and novelty, so there is no funding for research that’s impossible or already done.</p> <p>The priorities from the James Lind Alliance process can be surprising. The top priority in the area of <a href="https://www.jla.nihr.ac.uk/priority-setting-partnerships/irritable-bowel-syndrome/top-10-priorities.htm">irritable bowel syndrome</a>, for example, is to discover if it’s one condition or many, while the second priority is to work on bowel urgency (a sudden urgent need to go to the toilet).</p> <p>While such everyday questions can struggle to get funding in traditional systems that often focus on novelty, funding research in these two priority areas could lead to the most benefits for people with irritable bowel syndrome.</p> <h2>Consider our comparative advantages</h2> <p>Australia is a relatively small player globally. To date, the MRFF has allocated around <a href="https://www.health.gov.au/resources/publications/medical-research-future-fund-mrff-grant-recipients?language=und">$2.6 billion</a>, just over 5% of what the United States allocates through the National Institute of Health funding in a <a href="https://www.who.int/observatories/global-observatory-on-health-research-and-development/monitoring/investments-on-grants-for-biomedical-research-by-funder-type-of-grant-health-category-and-recipient">single year</a>.</p> <p>A single research grant, even if it involves a few million dollars of funding, is unlikely to lead to a medical breakthrough. Instead, the MRFF should prioritise areas where Australia has a comparative advantage.</p> <p>This could involve building on past success (such as the research that led to the HPV, or human papillomavirus, vaccine to prevent cervical cancer), or where Australian researchers can play a critical role globally.</p> <p>However, there is an area where Australian researchers have an absolute advantage: using research to improve our own health system.</p> <p>A prime example would be finding ways to improve dental care access in Australia. For example, a randomised trial of different ways of providing insurance and dental services, similar to the <a href="https://www.rand.org/health-care/projects/hie.html">RAND Health Insurance Experiment</a> conducted in the United States in the 1970s.</p> <p>This could provide the evidence needed to design a sustainable dental scheme to complement Medicare. Now that is something the MRFF should consider as a funding priority.<!-- 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/209977/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/adrian-barnett-853">Adrian Barnett</a>, Professor of Statistics, <a href="https://theconversation.com/institutions/queensland-university-of-technology-847">Queensland University of Technology</a> and <a href="https://theconversation.com/profiles/philip-clarke-1149967">Philip Clarke</a>, Professor of Health Economics, <a href="https://theconversation.com/institutions/university-of-oxford-1260">University of Oxford</a></em></p> <p><em>Image credits: Getty Images</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/medical-research-future-fund-has-20-billion-to-spend-heres-how-we-prioritise-who-gets-what-209977">original article</a>.</em></p>

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"Self-indulgent narcissism": Tina Arena slammed for breaking lockdown restrictions

<p>Tina Arena has come under fire for bragging about breaking Covid lockdown restrictions to resist what she called a "totalitarian" regime. </p> <p>The 55-year-old singer spoke candidly with <a href="https://www.theaustralian.com.au" target="_blank" rel="noopener"><em>The Weekend Australian</em></a>, reflecting on the 2021 Delta lockdowns and why she chose to deliberately break the restriction that prevented people from travelling within 5km of their homes. </p> <p>"Why can't you drive more than five kilometres? Guess what – watch me. So I did. I drove past my five kilometres. Am I a criminal now? You want to pull me up? Pull me up. You want to fine me? Fine me. I'm not the one with the issue here," she told the publication.</p> <p>"The issue is, there is no logic. You have no right to do that. You are fining me. This is totalitarian. We don't work like that."</p> <p>Tina went on to claim that she was the only person who was frustrated by the harsh lockdown measures enough to speak up. </p> <p>"I didn't hear anybody complaining ­during lockdown other than me: 'Why are we locked up? Where's your science? What? Why?; The fear was so much for me; it was choking me, I was like, I can't cope with all of you being so fear-driven like this, and compliant," she said.</p> <p>Tina's comments sparked outrage online, with many people weighing in on her "selfish" choice to break the rules.</p> <p>"Tina Arena is just the Pete Evans of Music," wrote one person, referring to the disgraced television chef who was criticised for his anti-vax views. </p> <p>"Tina Arena - just another ignorant, selfish, fearful individual who was unwilling to comply with lockdown orders at the height of a deadly pandemic before vaccines were available. Yes 'deadly'! I have zero sympathy for those who blatantly ignored the restrictions," said another. </p> <p>Another disgruntled reader said, "Tina Arena's self indulgent narcissism is astounding, does she think she was the only person feeling fearful, locked up and battling mental health issues during the pandemic?"</p> <p>Another person called out her actions, writing, "Very selfish of Tina Arena. Hundreds of healthcare workers were f***ing exhausted, people with disabilities and severe health conditions were (and still are) living in fear of getting sick and she decided the rules wouldn't apply to her. Very disappointing."</p> <p>Social media users were quick to point out her "selfish" comments, with one person putting things into perspective by saying, "Most of us weren't wallowing in self pity, we were just doing what we needed to do to keep our families safe."</p> <p><em>Image credits: Getty Images</em></p>

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Are bigger super funds better? Actually no, despite what the industry is doing

<p><a href="https://theconversation.com/profiles/geoff-warren-3657">G<em>eoff Warren</em></a><em>, <a href="https://theconversation.com/institutions/australian-national-university-877">Australian National University</a></em></p> <p>Australia’s superannuation funds are getting bigger – and fewer. There were <a href="https://www.theguardian.com/australia-news/2021/aug/29/australian-superannuation-mergers-cut-number-of-funds-by-half-in-a-decade">close to 400</a> funds in 2010. With mergers, it’s now <a href="https://www.investordaily.com.au/superannuation/53144-are-mega-funds-poised-to-dominate-the-super-industry">closer to 120</a>. By 2025, according to industry executives surveyed last year, there will be <a href="https://www.investordaily.com.au/superannuation/50971-rise-of-mega-funds-set-to-intensify-erasing-100-funds-by-2025">fewer than 50</a>.</p> <p>The portfolios of the two biggest super funds, AustralianSuper and Australian Retirement Trust, are bigger than even the federal government’s Future Fund Management Agency, which oversees the A$194 billion <a href="https://yearinreviewfy22.futurefund.gov.au/performance-results.html">Future Fund</a> and several other funds worth a total $242 billion.</p> <hr /> <p><iframe id="0wOBb" class="tc-infographic-datawrapper" style="border: none;" src="https://datawrapper.dwcdn.net/0wOBb/5/" width="100%" height="400px" frameborder="0"></iframe></p> <hr /> <p>Underpinning this consolidation is the idea that larger scale is beneficial for superannuation fund members. But that’s not necessarily true. A bigger fund is no guarantee of better returns.</p> <p>I’ve examined the issue of fund scale with Scott Lawrence, an investment manager with 35 year’s industry experience. Together we’ve written <a href="https://theconexusinstitute.org.au/wp-content/uploads/2023/03/Does-Size-Benefit-Super-Fund-Members-24-March-2023.pdf">a report</a> for the Conexus Institute, an independent research centre focused on superannuation issues.</p> <p>Our conclusion: funds, large and small alike, succeed or fail depending on how well they formulate and execute their strategies.</p> <h2>Managing assets in-house</h2> <p>The first potential benefit of bigger size is that funds can manage assets using their own dedicated investment professionals, rather than outsourcing everything to external investment managers to invest on their behalf.</p> <p>For example, UniSuper (the higher education industry fund) manages <a href="https://www.unisuper.com.au/investments/how-we-invest/investment-managers">70% of assets in-house</a>. AustralianSuper, with more than double UniSuper’s assets, manages <a href="https://www.australiansuper.com/-/media/australian-super/files/about-us/annual-reports/2022-annual-report.pdf">53% of assets</a> in-house.</p> <p>This can be cheaper than paying fees as a percentage of assets to these external providers. It offers more control as the super fund can decide the assets in which they invest, rather than leaving the decision to someone else.</p> <p>But fund members will only benefit if the internal team makes investment decisions that are as good as the service they are replacing. For this reason, there is no reliable correlation between performance and degree of in-house management.</p> <h2>Investing in big-ticket items</h2> <p>The second potential benefit is it becomes more possible to become successful direct investors in “big ticket” assets such as infrastructure and property, instead of just focusing on shares and other assets traded on stock exchanges.</p> <p>For example, AustralianSuper owns <a href="https://www.australiansuper.com/-/media/australian-super/files/about-us/media-releases/australiansuper-increases-investment-in-westconnex.pdf">20.5% of WestConnex</a>, Australia’s biggest infracture project, having contributed $4.2 billion to the consortium that is building the mostly underground toll-road system linking western Sydney motorways.</p> <p>Opportunities like this are easier to access by large funds, and can help to diversify their portfolios.</p> <p>But such direct investment is costlier than buying shares and bonds. This limits the potential for fee reductions.</p> <p>For members to benefit, these investments must deliver attractive returns. This requires a fund developing capability in what are specialised markets. Size alone won’t deliver on its own.</p> <h2>Economies of scale and scope</h2> <p>The third potential benefit is that size brings economies of scale and scope.</p> <p>Scale can reduce fees, by spreading the fund’s fixed costs over a larger member base.</p> <p>Our review of the research literature confirms there are solid reasons to expect administration costs to reduce with size, as well as in-house management reducing investment costs.</p> <hr /> <p><iframe id="26cxr" class="tc-infographic-datawrapper" style="border: none;" src="https://datawrapper.dwcdn.net/26cxr/3/" width="100%" height="400px" frameborder="0"></iframe></p> <hr /> <p>Economies of scope involve an organisation being able to improve or increase services, say by investing in better systems and more staff.</p> <p>But investing in better systems also brings potential pitfalls. Big visionary projects tend to run over time and over budget, and sometimes fail.</p> <p>An example is the disastrous attempts of five industry funds (AustralianSuper, Cbus Super, HESTA, Hostplus and MTAA Super) to develop a shared administration platform, called Superpartners. It was meant to cost $70 million, but development costs blew out to $250 million before <a href="https://www.investmentmagazine.com.au/2016/12/link-group-completes-superpartners-integration/">they gave up</a>.</p> <h2>Size brings its own challenges</h2> <p>Large funds also face some unique challenges. Because they have more money to invest, they have more work to do in finding sufficient attractive assets to buy.</p> <p>The risk is they need to accept some assets offering low returns to do so. They can also outgrow some market segments, such as owning shares in smaller companies.</p> <p>Large organisations are typically more complex, more bureaucratic and less flexible. They can find it difficult to coordinate staff to work towards a common purpose. These elements may create dysfunction if not managed.</p> <p>This may explain why, despite the potential increased scope of their offerings, surveys suggest large funds tend to deliver <a href="https://www.investmentmagazine.com.au/2022/08/members-willing-to-pay-for-better-service-post-retirement/">less personalised service</a>.</p> <p>So the idea “bigger is better” is not necessarily true. Large size is not an automatic win. Whether the advantages outweigh the disadvantages and challenges ultimately depends on fund trustees and management doing their jobs well so that members benefit.<!-- Below is The Conversation's page counter tag. 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More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/geoff-warren-3657">Geoff Warren</a>, Associate Professor, College of Business and Economics, <a href="https://theconversation.com/institutions/australian-national-university-877">Australian National University</a></em></p> <p><em>Image credits: Getty Images</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/are-bigger-super-funds-better-actually-no-despite-what-the-industry-is-doing-203417">original article</a>.</em></p>

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Why young people are self-diagnosing illnesses

<p dir="ltr">A lot of people turn to Google when they get symptoms of being sick, and jump to the conclusion that it may be a serious issue, however, for the younger crowd - Dr Google is now Dr TikTok. </p> <p dir="ltr">The social media app is filled with content about all sorts of topics, known for its 15-second clips it has been applauded for starting important conversations about mental health, especially among young people. It allows people to share experiences and support each other.</p> <p dir="ltr">However, as beneficial as that may be, it’s causing a lot of children to self-diagnose themselves with several mental and neurological disorders. These conditions include autism, attention deficit hyperactivity disorder (ADHD), borderline personality disorder (BPD), dissociative identity disorder (DID), obsessive-compulsive disorder (OCD), Tourette’s syndrome, and more.</p> <p dir="ltr">It’s troublesome as a doctor must diagnose a patient with an illness, and kids are taking it into their own hands based on videos that resonate with them.</p> <p dir="ltr">Psychologist Doreen Dodgen-Magee, said, “There are many accounts, hosted by educated, trained, and licensed professionals where reliable information can be found,” says Dr. Dodgen-Magee. But not all posts contain accurate, science-backed information — and many people scrolling through TikTok don’t know this”.</p> <p dir="ltr">It’s an issue that continues to grow as young people are getting medical advice from fellow TikTokers rather than seeing a doctor. </p> <p dir="ltr">If you have any symptoms of poor physical or mental health then you must be professionally diagnosed and set up with a treatment plan. Don’t rely on a social media app targeted towards children to diagnose you with health issues.</p> <p dir="ltr">Image credit: Shutterstock</p>

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