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Coles and Woolies shoppers could claim thousands over alleged deceptive pricing

Coles and Woolworths shoppers could claim up to $5,000 if the supermarket giants are found out for deceiving customers with dodgy pricing tactics, according to a leading lawyer. Carter Capner Law is one of two firms investigating whether a class action suit on behalf of shoppers is viable in conjunction with the ACCC's legal action against the two chains. Both Coles and Woolworths have bee accused of violating Australian consumer law by the consumer watchdog after allegedly intentionally misleading customers by driving up prices and then putting those items on sale for their original prices under the "Prices Dropped" and "Down Down" campaigns. “Early estimates suggest that households could claim between $2,000 and $5,000, depending on the amount spent and the impact of the deceptive pricing,” law director Peter Carter said, who began advocating for people after he received an "avalanche of calls from outraged customers". While Carter said the firm initially had no plans to commence a class action, he admitted that after speaking about it to the media, the company were inundated with Coles and Woolworths customers "demanding action and compensation". He believes Australians already doing it tough through the cost of living crisis felt "betrayed" by the supermarkets, while Flinders University research fellow in law Dr Joel Lisk said that the class action is "a positive" for shoppers. "The ACCC proceedings aren't about getting refunds for customers," he told Yahoo. "But if they are successful it would mean customers have, in theory, been misled and deceived and could be entitled to damages." When it comes to damages, it's something Dr Lisk said "starts to add up" for customers, although it's "hard to say" if financial penalties to businesses found guilty of wrongdoing would impact misleading and deceptive conduct in the future. "If [fines are] seen as just the cost of doing business it doesn't really dissuade businesses from engaging in misleading and deceptive conduct," he said. "Seeking damages from business for the losses that individuals like us have incurred is one way of doing that. But of course, we're talking probably about dollars and cents in transactions when businesses like Coles and Woolworths deal in the billions." Image credits: Shutterstock

Legal

$15 Kmart hack that'll transform your kitchen

Who doesn't love a cheap hack? For the past few months shoppers have been obsessed with a $15 bathroom item from Kmart, but not for its intended use. Shoppers have used the retailer’s 3 Tier Floor Caddy, which was originally designed to organise toiletries and save floor space, as a coffee station that's not only practical, but looks nice as well. One shopper took it to the next level, by using the $31 Flexi Storage Decorative Shelving from Bunnings and attaching it to two of the Kmart floor caddies to display plants alongside the DIY coffee station. She initially bought the shelves to install on her kitchen wall, but after finding out they weren't sturdy enough, it has been sitting in her home, until she saw the Kmart caddy hack. “I bought these floating shelves from Bunnings but after reading the reviews I found that people had said they are not great! And I was too lazy to take them back,” she wrote. “Then I saw this Kmart hack with the shower caddies and I’m very happy with the result.” Shoppers were impressed with the finished results, praising the "incredible" idea. “This looks excellent. Like you, we have a small kitchen with very limited shelving. You’ve inspired me to do the same,” one wrote. “Awesome, looks amazing,” another added, while a third commented, “That’s so clever, thanks for sharing”. However a few others didn't get the hype, with one saying: “I don’t get coffee stations. Not saying it’s bad. Just think it creates more clutter." Image: Facebook/ Kmart

Home & Garden

"Can you sleep at night?" Frustrated shopper confronts Woolies CEO over price gouging

A frustrated Woolworths shopper has called out the supermarket's CEO in store to demand answers about Woolies' record-breaking profits during the cost of living crisis. Chief executive Amanda Bardwell was walking around a Woolworths store in Wollongong when the heated exchange took place, with the whole thing captured on camera. The customer fired off hard-hitting questions to the CEO and other senior staff members, asking, "What do you have to say to the fact that your company is profiting off price gouging during the cost of living crisis?" Ms Bardwell, looking visibly shocked by the confrontation, replied, "Thank you for reaching out to us, we're doing everything we can to recognise that customers are doing it tough to make sure that they're able to get great prices." The woman didn't accept her answer, firing back, "I really don't believe that. Millions of people in Australia right now have to skip meals in order to survive, while you continue to make big bucks and working class people suffer. Can you sleep at night knowing that?" Ms Bardwell replied, "Our team are doing everything that we can to support our customers. We understand that it is an incredibly difficult time right now." A staff member then intervened, adding, "We have lowered prices and you see that right throughout our store… that's great value for our customers." Ms Bardwell thanked the customer for sharing her views and said Woolworths was doing "everything we can" to keep prices low for customers, before another staff member chimed in to say "It's actually illegal to film people in NSW without permission, with the CEO walking away. Social media users were quick to praise the woman for confronting Miss Bardwell, while sharing their own stories of being stung by hefty supermarket prices. "I'm sick of paying nearly $300 a week on groceries. That's choosing the cheapest products. My fridge still looks half empty when I unpack," one said. "I'm sure Coles and Woolworth management don't have cost of living crisis as they are getting bigger and bigger bonus year after year," a second wrote. Others took aim at one particular comment in the video, pointing out, "'It’s illegal to film in NSW without permission', yet Woolworths has how many cameras in every store? Cameras in people’s faces in self serve on every screen. Did they get our permission?" Another added, "If only their empathy was as big as their prices." Image credits: TikTok

Legal

The travel hack giving travellers two holidays in one

When it comes to a long-haul flight, a stopover can be exactly what you need to stretch your legs and recharge before the next leg of your journey. But some eager travellers are getting even more out of their stopovers, by booking a few nights in their stopover destination and effectively getting two holidays in one. The “two-for-one holiday” trend is especially popular for those travelling from Australia and New Zealand, as it takes many, many hours to travel from Oceania to Europe, the US, or basically anywhere else in the world. Rather than looking at layovers as a hassle that just prolongs your journey, data shows that travellers are opting to use them as a way to explore new destinations and extend their holidays. According to data from travel search engine <a href="https://www.skyscanner.com.au/">Skyscanner</a>, there has been a notable uptick in bookings for long-haul flights to destinations such as Istanbul, London, Shanghai, and India. When travelling to Europe or the US, many travellers stopover in Asian cities such as Hong Kong, Bangkok in Thailand, Ho Chi Minh City in Vietnam, or Singapore. Alternatively, many stopovers occur in the UAE and Middle East area, with some flights stopping in Abu Dhabi, Dubai, or even Qatar. It’s easy to book your stopover holiday when booking your flights. Just select your original flight to your final destination, but change your second flight to leave the stopover destination a few days later. Skyscanner's travel expert Cyndi Hui told <a href="https://travel.nine.com.au/latest/holiday-hacks-two-in-one-stopover-destination/9e77c117-3a14-49a0-903f-b9847bc92fe0">9Travel</a> of the travel hack: "With Australia being so far from many global hubs, taking the time to enjoy a stopover instead of rushing through airports allows Australians to truly make the most of their travel experiences". "It's a savvy way to make the most of their travel time, turning what used to be just a stopover into a memorable part of the adventure." Image credits: Shutterstock

Travel Tips

Shoppers outraged over Coles bin full of discarded groceries

A shocking photo of a bin filled with discarded groceries at the back of a Coles supermarket has gone viral, outraging many shoppers. The photo, taken behind the Drouin store in West Gippsland, Victoria, shows a skip bin measuring over a metre high overflowing with tens of thousands of dollars worth of food, including meat, ice cream, pasta, pizzas, dips, cheeses, juice and smoked salmon. According to 7News, the products were thrown out after the region was hit with a storm that caused a power outage, and as the store did not have a backup generator, the refrigerated food was spoiled and needed to be thrown out. Coles has explained that items had to be discarded to ensure customer safety, but many shoppers were left shocked and infuriated about the waste, arguing the store should have been ready for the storms with backup generators. “For the 2023/24 financial year, Coles Australia reported a net profit of $1.1 billion and can’t afford back up generators, go figure,” one wrote. Others insisted some of the food could have been saved or donated, as one person said, “Butter that stays on the bench for two weeks (is) fine!” while another insisted, “at least donate it”. A supermarket worker commiserated with the upset shoppers, as they wrote online, “As someone who works for one of the supermarket chains, I have had to partake in this due to a prolonged power outage earlier this year.” “I feel for these staff, there’s nothing worse than having to throw out so much refrigerated stock. Coming from a family who didn’t have much, I get the pain people feel from this incident.” However, one social media user noted that regarding donations, “legally they cannot, if they give someone food poisoning and kill them they are liable”. A Coles spokesperson told <a href="https://www.news.com.au/lifestyle/food/photograph-of-coles-bin-full-of-discarded-items-stuns-shoppers/news-story/871cedeb7daf66422534e4aee55f1ee4" target="_blank" rel="noopener">news.com.au</a> that food safety is a top priority, saying in a statement, “Due to the extreme weather that hit much of Victoria early last week, there were widespread power outages, including in the Drouin and surrounding areas.” “Food safety is paramount at Coles and unfortunately as a result of products being un-refrigerated for an extended period of time, for safety and quality reasons, we needed to dispose of a number of products to ensure customer safety. “Where possible, Coles always donates product that is fit for use and safe for consumption to food rescue organisations.” Image credits: 7News

Money & Banking

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

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

Travel Tips

Woman “bullied” on plane over budget seating trick

A young woman has recalled a flight from hell when she was “bullied” by a couple who were trying to utilise a seating hack that went viral on TikTok. The solo traveller took to Reddit to recount the story and ask social media users if she was in the wrong for her action. The woman began by saying she usually pays more to select her plane seat ahead of time, but a medical emergency on another plane had her waiting on standby and left with no option other than to sit in a middle seat. When she was finally able to board, she was greeted by a couple who had purchased both the window and aisle seats in a bid to have more space, utilising a travel “trick” that has been popular on TikTok. The method, which has been dubbed the 'poor man's business class', usually leaves travellers with an empty middle seat and more space, and few travellers opt to pick a middle seat. “When I got to my row the man and woman were chatting and sharing a snack... it was obvious they were together. I mentioned to the man that I'm in the middle, and he got up to let me in,” the unsuspecting traveller wrote on Reddit. “I asked them if they would prefer to sit together, I said I was totally okay with that. The woman reacted rudely to this and said ‘you're not supposed to be sitting here anyway’.” After noticing how the plane was full, she offered to show the pair her new ticket with the correct seat number on it. “She flicked her hand at my ticket and made a disgusted sound. I offered again if they wanted to sit together to which she didn't reply, her partner said it's okay and... made some small talk,” she continued. The man’s girlfriend then interrupted their conversation to ask,”'Did you use one of those third party websites to book your flight? It's so frustrating when people cheap out to inconvenience others.” The American woman explained that she had booked her flight directly and she had been placed on standby like everyone else and didn't choose the middle seat - she was assigned it. She then tried to keep the peace by refusing to engage with the furious woman. “I was so done with her attitude, I put my headphones on and attempted to do my own thing,” she explained. But the “entitled” girlfriend wasn't letting it go, as the woman explained, “This woman kept reaching over me and tapping her partner and trying to talk to him in a way that was super intrusive.” “I could tell even her partner was trying to engage her less so that she would hopefully stop, but she didn't.” “I think they tried to pull that tactic where they don't sit together on purpose...hoping no one will sit between them. But on full flights it doesn't work. And even so - it's not the other person's fault.” The traveller's post was met with hundreds of comments slamming the girlfriend’s behaviour, as one person wrote, “It's like a toddler having a tantrum.” “She was disappointed and a total a**hole. Gross entitled people,” another added. Another person applauded the traveller’s level-headed behaviour, writing, “Wow! You are my hero for keeping it classy - I’m afraid I would not have been as kind as you.” Image credits: Shutterstock

Travel Trouble

Savvy mum shares her unique packing hacks

A savvy mother and experienced traveller has shared her ultimate hacks for packing your suitcase when heading on your next holiday. Melbourne mum Chantel Ibbotson, who goes by the name Mama Mila online, shared the helpful hacks with her 2.8 million followers, with many people praising her ingenuity. Her go-to tips ranged from keeping your luggage smelling fresh, utilising your space, and how to prevent breakages. One tip Chantel shared, that has been labelled a “game changer”, involves placing necklaces through a straw to prevent them from tangling. One follower commented on the video saying, “I used your straw tip for necklaces last time I travelled and it was awesome.” <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-permalink="https://www.instagram.com/reel/C81L4KYSeAA/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/reel/C81L4KYSeAA/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by Chantel Mila Ibbotson (@mama_mila_au)</a> </div> </blockquote> The mum-of-two also showed her followers how a simple button can be used to keep pairs of earrings together by fastening each earring through one hole in the button. Chantel also recommended hanging packing cubes that can be purchased online as a great solution for “making packing and unpacking so quick and easy”. The influencer also suggested spraying perfume on cotton pads to keep your suitcase smelling fresh, as well as placing cotton pads in makeup compacts to prevent breakage. Another tip was to pack a separate bag, whether it's a plastic bag or a dust bag, to hold your dirty laundry. This tip allows travellers to easily find clean clothes while also keeping dirty, smellier clothes separate in their own bag. The video racked up thousands of views, with many saying they will try out the unique tips next time they travel. Image credits: Shutterstock

Travel Tips

Beware of ‘tax hacks’ to maximise your return this year. The tax office is taking a close look at incorrect claims

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/ann-kayis-kumar-466422">Ann Kayis-Kumar</a>, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a> For many people a tax refund is a much-anticipated lump sum of money. So, it is understandable Australians will be looking for ways to maximise their returns – particularly we are in a cost-of-living crisis. But, whether you do your own return or use a tax agent, taking risks is not advised. <h2>Be wary of tax hacks</h2> But be wary of “tax hacks” you might hear about from online sources (I’m looking at you, <a href="https://www.afr.com/companies/professional-services/tiktok-gst-fraud-hit-on-tax-office-blows-out-to-4-6b-20230813-p5dw2y">TikTok</a>). Two truisms spring to mind: 1. Don’t let the tax tail wag the dog Many tax hacks suggest you spend considerable money on purchases up front to claim tax deductions. But a tax deduction isn’t actually worth the value amount of your spend. For example: let’s say you’re on a taxable income of A$60,000 per year, which puts you roughly in the <a href="https://www.afr.com/politics/how-wealthy-are-you-compared-to-everyone-else-in-eight-charts-20221214-p5c6a8">50th percentile</a> of income earners and means your <a href="https://www.ato.gov.au/tax-rates-and-codes/tax-rates-australian-residents#ato-Australianresidenttaxrates2020to2025">marginal tax rate is 32.5 cents</a>. You might spend $1,000 on a purchase in the hope of getting a sweet $1,000 tax deduction. However, you’re going to be $675 out of pocket. This is because that $1,000 deduction is only worth $325 (because tax is calculated on your taxable income, which is assessable income less allowable deductions). It will be worth even less next year because of the introduction of the <a href="https://www.abc.net.au/news/2024-02-27/stage-three-tax-cut-changes-pass-senate/103519338">revised Stage 3 tax cuts</a> and that’s a good thing because you’ll be paying less tax overall. 2. If it’s too good to be true, it probably is Even if you use a registered tax agent (and it’s important to check they are registered by checking <a href="https://www.tpb.gov.au/public-register">the Tax Practitioners’ Board</a>), it’s a common pitfall to think any aggressive deductions they might suggest are their responsibility if the Australian Taxation Office (ATO) comes knocking. That’s not the case. Taxpayers are responsible for errors in returns made by their tax agents, so the ATO will hold you responsible. Indeed, the <a href="https://www.ato.gov.au/media-centre/ato-flags-3-key-focus-areas-for-this-tax-time">ATO has announced</a> it will be taking a close look at three common errors being made by taxpayers: <ul> <li> incorrectly claiming work-related expenses </li> <li> inflating claims for rental properties </li> <li> failing to include all income when lodging. </li> </ul> It might be tempting to think you’ve got away with over claiming deductions or under reporting income but the ATO has sophisticated systems to <a href="https://www.ato.gov.au/About-ATO/Commitments-and-reporting/Information-and-privacy/How-we-use-data-and-analytics">analyse your data</a>) and track your claims. You’ll need to substantiate your claims, so keep records. If the tax office finds mistakes, you could face <a href="https://www.ato.gov.au/individuals-and-families/paying-the-ato/interest-and-penalties/penalties/penalties-for-making-false-or-misleading-statements">financial penalties</a>, even jail time. Two months ago, a woman was sentenced to two years and six months jail and ordered to repay $39,600 after she lodged three fraudulent Business Activity Statements and received a GST refund to which she wasn’t entitled. While under investigation, she then sent eight false statements to the ATO and tried to claim more money. This is one on many individuals named on the <a href="https://www.ato.gov.au/about-ato/tax-avoidance/the-fight-against-tax-crime/our-focus/refund-fraud/gst-refund-fraud-attempts/operation-protego">ATO’s website</a> highlighting the results of regular crackdowns. <h2>So, should I use a tax agent?</h2> There are nearly 20.5 million active tax file numbers registered to individuals in Australia and last tax year the ATO received 13.7 million individual tax return lodgements. This was a 3% increase on the previous year. Of these lodgements more than 5.6 million were lodged by self-preparers and more than 8 million were lodged by tax agents. It <a href="https://theconversation.com/does-paying-for-tax-advice-save-money-only-if-youre-wealthy-184641">makes sense</a> most Australians use agents to prepare and lodge their tax returns. It’s easier, less stressful, gives you confidence the job is being done right and saves time. Having said that, it does come at a price (see above on the value of deductions), and previous research which finds that <a href="https://theconversation.com/does-paying-for-tax-advice-save-money-only-if-youre-wealthy-184641">every extra dollar spent on a tax agent</a> only yields an estimated tax savings of 20 cents), and if you have simple tax affairs then it’s relatively easy and quick to do it yourself. <h2>How do I prepare my tax return?</h2> Generally, everyone should be lodging an income tax return each year (or, if you don’t need to lodge a tax return, lodging a non-lodgement advice). The ATO has a “Do I need to lodge a tax return?” tool <a href="https://www.ato.gov.au/individuals-and-families/your-tax-return/before-you-prepare-your-tax-return/work-out-if-you-need-to-lodge-a-tax-return">if you’re unsure</a>. It also has a useful <a href="https://www.ato.gov.au/individuals-and-families/your-tax-return/how-to-lodge-your-tax-return/lodge-your-tax-return-online-with-mytax">two minute video</a> which steps you through the process for lodging with their online system myTax. For those of us with simple tax affairs, you just need to follow these steps: <ol> <li> gather and prepare all your information regarding income from work, interest, dividends and any other income such as capital gains from crypto assets or sale of shares </li> <li> then gather and prepare all your information on deductions and work expenses to be claimed making sure you have the evidence to back up your claims. This can be in the form receipts, invoices, log books and diary entries </li> <li> if you are a self-preparer you can log onto your myGov or the ATO’s app to prepare and lodge your return. If you wait until late-July you’ll have the benefit of the ATO’s pre-filled data, too. This gives you plenty of time to make the October 31 deadline. </li> </ol> There’s also the option to use the ATO’s free, volunteer-run TaxHelp program (provided you meet the <a href="https://www.ato.gov.au/individuals-and-families/your-tax-return/help-and-support-to-lodge-your-tax-return/tax-help-program">eligibility criteria</a>), your local Tax Clinic (<a href="https://www.ato.gov.au/individuals-and-families/financial-difficulties-and-disasters/support-to-lodge-and-pay/national-tax-clinic-program">details here</a>), or by seeking help from a registered tax agent. Just make sure you engage them before the October 31 deadline. <h2>Where it might get tricky</h2> But for others, for example if you have an ABN, it gets a bit more complicated. If you operate your business as a sole trader, you must lodge a tax return, even if your income is below the tax-free threshold. And if you have registered for GST – which you must do when your business or enterprise has a GST turnover of $75,000 or more, or if you are a taxi driver or Uber driver – then you will also need to submit quarterly BAS. It gets even more complicated for partnerships, trusts and companies, so it is best to seek the guidance and professional expertise of a registered tax agent, if you aren’t already. <h2>What if I can’t afford a tax agent?</h2> This year, many Australians are doing it tough. Indeed, research by the ASIC’s Moneysmart program estimates <a href="https://www.abc.net.au/news/2024-06-04/asic-survey-millions-of-australians-facing-financial-difficulty/103926704">more than five million Australians</a> are in financial strife. Many people will find it hard to prioritise paying a registered tax agent when they cannot afford basic necessities like food. If you’re in this situation, you might find it useful to get in touch with a free financial counsellor via the <a href="https://ndh.org.au/">National Debt Helpline</a> or the <a href="https://sbdh.org.au/">Small Business Debt Helpline</a>. <h2>Don’t procrastinate</h2> Don’t put off doing your tax. If you’re behind, it might seem daunting to get back on track, especially if you think you’ll have to pay extra tax this year instead of getting a refund. But not lodging your returns will backfire. Like avoiding a trip to the doctor to get a skin check, the longer you wait, the more the problem will grow. Reaching out to the ATO is the key because they have tools to support you, including payment plans. It also shows the ATO that you are willing to comply. Ultimately, being up to date will save you fines, interest and penalties. If you are one of the <a href="https://theconversation.com/worried-youll-lodge-a-late-tax-return-at-least-80-000-australians-cant-afford-tax-advice-211267">80,000 Australians in serious hardship</a> who need but can’t afford professional help to complete and lodge overdue returns, the government-funded <a href="https://www.ato.gov.au/General/Gen/National-Tax-Clinic-program/">National Tax Clinics Program</a> can help with free tax advice.<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/231693/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/ann-kayis-kumar-466422">Ann Kayis-Kumar</a>, Associate Professor Ann Kayis-Kumar is the Founding Director of UNSW Tax and Business Advisory Clinic, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/beware-of-tax-hacks-to-maximise-your-return-this-year-the-tax-office-is-taking-a-close-look-at-incorrect-claims-231693">original article</a>. </div>

Money & Banking

The hidden risks of buy now, pay later: What shoppers need to know

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/vivek-astvansh-1318943">Vivek Astvansh</a>, <a href="https://theconversation.com/institutions/mcgill-university-827">McGill University</a> and <a href="https://theconversation.com/profiles/chandan-kumar-behera-1479139">Chandan Kumar Behera</a>, <a href="https://theconversation.com/institutions/indian-institute-of-management-lucknow-6023">Indian Institute of Management Lucknow</a> <iframe style="width: 100%; height: 100px; border: none; position: relative; z-index: 1;" src="https://narrations.ad-auris.com/widget/the-conversation-canada/the-hidden-risks-of-buy-now-pay-later-what-shoppers-need-to-know" width="100%" height="400"></iframe> <a href="https://www.canada.ca/en/financial-consumer-agency/services/loans/buy-now-pay-later.html">Buy now, pay later</a> is a relatively new form of financial technology that allows consumers to purchase an item immediately and repay the balance at a later time in instalments. Unlike applying for a credit card, buy now, pay later <a href="https://papers.ssrn.com/sol3/papers.cfm?abstract_id=4591446">doesn’t require a credit check</a>. Instead, <a href="https://doi.org/10.1108/EJM-11-2021-0923">these programs use algorithms</a> to perform <a href="https://www.investopedia.com/terms/s/soft-inquiry.asp">“soft” credit checks</a> to determine <a href="https://theconversation.com/if-it-looks-like-debt-lets-treat-it-like-debt-buy-now-pay-later-schemes-need-firmer-regulation-in-nz-211820">a shopper’s eligibility</a>. This means buy now, pay later loans target <a href="https://www.theguardian.com/money/2022/jan/27/buy-now-pay-later-schemes-entice-consumers-spend-more">low-income, tech-savvy</a> <a href="https://www.cnbc.com/2022/10/27/gen-z-and-millennials-prefer-buy-now-pay-later-services.html">millennials and Gen Z shoppers</a> in an effort to <a href="https://libertystreeteconomics.newyorkfed.org/2023/09/who-uses-buy-now-pay-later/">supposedly improve financial inclusion</a> for these groups. However, the newness of buy now, pay later programs means existing <a href="https://doi.org/10.1111/acfi.13100">consumer credit laws don’t cover it</a>. This lack of regulation puts shoppers at financial risk of accumulating higher levels of debt. <h2>Credit cards versus buy now, pay later</h2> There are three key differences between credit cards and buy now, pay later loans. First, while buy now, pay later loans are a line of credit like credit cards are, <a href="https://www.cnbc.com/2022/05/04/klarna-to-report-buy-now-pay-later-data-to-uk-credit-bureaus.html">they don’t impact credit reports</a>. Because of this, shoppers might be less cautious when using buy now, pay later services. Credit cards typically have annual interest rates ranging from <a href="https://www.bankrate.com/finance/credit-cards/what-is-credit-card-apr/#credit-card-apr-vs-credit-card-interest">15 to 26 per cent</a>. While most buy now, pay later loans have no interest, longer term loans have <a href="https://www.cbsnews.com/news/buy-now-pay-later-loans-interest-rate-fees-tips-what-to-know/">annual interest rates of about 37 per cent</a>. Shoppers are <a href="https://hbswk.hbs.edu/item/buy-now-pay-later-how-retails-hot-feature-hurts-lower-income-shoppers">at risk of overusing buy now, pay later programs</a> and accumulating more debt than they can manage. In addition, formal lenders, such as banks, currently have no way of knowing what buy now, pay later debt a person is carrying. The lender, therefore, likely incurs more risk than they are aware of. Second, credit cards typically provide <a href="https://doi.org/10.1080/1369118X.2022.2161830">an interest-free period</a>, after which <a href="https://doi.org/10.1177/03128962211032448">borrowers must pay interest</a>. In contrast, buy now, pay later users typically don’t have interest fees, but can incur <a href="https://doi.org/10.1108/IJBM-07-2022-0324">late fees for missed or late payments</a>. Falling behind on payment terms <a href="https://www.forbes.com/sites/andriacheng/2020/12/16/why-retailers-are-embracing-buy-now-pay-later-service-this-holiday-season/">can result in charges</a> that exceed <a href="https://stateline.org/2022/02/02/regulators-scrutinize-buy-now-pay-later-plans/">typical credit card interest rates</a>, causing more harm than interest payments. Low-income buy now, pay later users are <a href="https://hbswk.hbs.edu/item/buy-now-pay-later-how-retails-hot-feature-hurts-lower-income-shoppers">particularly vulnerable</a> to <a href="https://www.consumerfinance.gov/data-research/research-reports/consumer-use-of-buy-now-pay-later-insights-from-the-cfpb-making-ends-meet-survey/">using overdrafts to cover their buy now, pay later payments</a>. Third, people typically have just a few credit cards, making it easier to keep track of payments. Buy now, pay later users, on the other hand, usually engage with multiple buy now, pay later lenders through retailers. As a result, it’s difficult for them to keep track of all the buy now, pay later lenders and retailers they made purchases from. <h2>What are the Canadian governments doing?</h2> Canada classifies buy now, pay later as an unsecured instalment loan, which means lenders are subject to laws at the federal and provincial levels. Under federal law, there is an <a href="https://www.sec.gov/Archives/edgar/data/1711291/000171129122000011/curo-20211231.htm">annual interest rate cap of 60 per cent</a>. Provincial laws require buy now, pay later lenders to disclose the cost of credit and extend consumer protection rights to buy now, pay later shoppers. At the provincial level, <a href="https://www.canada.ca/en/financial-consumer-agency/services/loans/buy-now-pay-later.html">specific laws come into play</a>. Manitoba, Alberta, Québec, and Ontario have passed laws that require lenders to be licensed before they offer these products and be subject to regulatory oversight. These laws regulate high-cost credit products that have annual rates of 32 per cent or higher. This means buy now, pay later services should fall under this category. However, I found no evidence of buy now, pay later lenders being licensed in Canada. This means either lenders are not aware they fall under these laws, or no one is enforcing them. This ambiguity over whether or not buy now, pay later lenders are subject to regulatory oversight could be a hindrance for banks like the <a href="https://financialpost.com/fp-finance/fintech/why-higher-interest-rates-threaten-the-buy-now-pay-later-bubble">Bank of Nova Scotia and the Canadian Imperial Bank of Commerce</a>, as it deters them from entering the buy now, pay later market despite its profitability. <h2>Questions to ask before using buy now, pay later</h2> Before signing up for a buy now, pay later loan, shoppers should consider the following six questions. 1. Payment structure. How much of the invoice amount needs to be paid upfront? The norm is typically 25 per cent. What is the number of remaining instalments? The answer to this is usually four. Lastly, what is the frequency of instalments? The norm is biweekly. 2. Sensitive information. Does the lender require you to provide information about your chequing account? This is sensitive information to give away and puts you at risk of data breaches. Most buy now, pay later lenders withdraw instalment amounts from chequing accounts or debit cards, potentially exposing shoppers to greater risks than credit cards. 3. Interest charges Does the buy now, pay later lender charge interest on instalment payments? The norm is no. 4. Late fees How much is the late fee, when does it apply and what is the maximum amount of the late fee? Typically, late fees don’t exceed $8 or one-quarter of the invoice amount. Late fees usually kick in if your scheduled payment remains unpaid after 10 days. 5. Data responsibility. Who is responsible for your data? Whether it’s the retailer, the buy now, pay later lender or a company whose cloud storage the provider may be using, you should know. In general, the buy now, pay later lender holds this responsibility. 6. Licensing. Is the buy now, pay later lender licensed to sell the loan? Usually, the <a href="https://dfpi.ca.gov/wp-content/uploads/sites/337/2020/03/afterpay-settlement.pdf">answer to this question is no</a>. <h2>Buy now, pay later regulation</h2> Two sets of laws and regulations should be implemented to address some of these issues. The first set of regulations focuses on how buy now, pay later lenders interact with consumers. These lenders should clearly communicate <a href="https://papers.ssrn.com/sol3/papers.cfm?abstract_id=4359956">all terms and conditions of their loans</a>, including late charges, interest charges and payment schedules, on their platforms to ensure shoppers are fully informed of their financial obligations. The Financial Conduct Authority in the United Kingdom recently issued guidelines allowing buy now, pay later lenders to <a href="https://www.ft.com/content/ca428bc8-65c3-49ed-8ba6-0d6f206098aa">terminate, suspend or restrict access to shopper accounts</a> for any reason without notice. Effective September 2024, New Zealand will require buy now, pay later lenders to <a href="https://theconversation.com/if-it-looks-like-debt-lets-treat-it-like-debt-buy-now-pay-later-schemes-need-firmer-regulation-in-nz-211820">check a shopper’s credit</a> before providing them a buy now, pay later loan. The second set of regulations defines the scope and boundaries of buy now, pay later lenders. On Dec. 9, 2022, California became the first American state to <a href="https://dfpi.ca.gov/2022/12/09/buy-now-pay-later-protect-yourself-before-you-check-out/">classify buy now, pay later as a loan</a>. Such classifications allowed California regulators to <a href="https://stateline.org/2022/02/02/regulators-scrutinize-buy-now-pay-later-plans/">question lenders about their transparency in disclosing the terms of their offerings</a>. The hope is that these laws and regulations will facilitate microlending and not impede the existence of buy now, pay later services, but rather make it safer and more secure for both lenders and users.<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/215421/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/vivek-astvansh-1318943">Vivek Astvansh</a>, Associate Professor of Quantitative Marketing and Analytics, <a href="https://theconversation.com/institutions/mcgill-university-827">McGill University</a> and <a href="https://theconversation.com/profiles/chandan-kumar-behera-1479139">Chandan Kumar Behera</a>, PhD Student in Marketing, <a href="https://theconversation.com/institutions/indian-institute-of-management-lucknow-6023">Indian Institute of Management Lucknow</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/the-hidden-risks-of-buy-now-pay-later-what-shoppers-need-to-know-215421">original article</a>. </div>

Money & Banking

How do I keep my fruit, veggies and herbs fresh longer? Are there any ‘hacks’?

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/senaka-ranadheera-199225">Senaka Ranadheera</a>, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a> We all know <a href="https://theconversation.com/frozen-canned-or-fermented-when-you-cant-shop-often-for-fresh-vegetables-what-are-the-best-alternatives-131678">fresh produce is good for us</a>, but fruit, vegetables and herbs have a tendency to perish quickly if left uneaten. This is because <a href="https://www.sciencedirect.com/science/article/abs/pii/S2212429219305188">even after harvesting</a>, produce from living plants tends to continue its biological processes. This includes respiration: producing energy from stored carbohydrates, proteins and fats while releasing carbon dioxide and water vapour. (Ever found a sprouting potato in your pantry?) On top of that, fresh produce also <a href="https://www.mdpi.com/journal/agriculture/special_issues/quality_safety_fresh_produce">spoils easily thanks to various microbes</a> – both harmless and ones that can cause disease, called pathogens. Simply chucking things in the fridge won’t solve the problem, as different types of plants will react differently to how they’re stored. So, how can you combat food waste and keep produce fresh for longer? Fortunately, there are some helpful tips. <h2>Freshness and quality begin at the farm</h2> Farmers always aim to harvest produce when it’s at an optimal condition, but both pre-harvest and post-harvest factors will affect freshness and quality even before you buy it. Pre-harvest factors are agricultural, such as climatic conditions, soil type and water availability. <a href="https://www.sciencedirect.com/science/article/abs/pii/S2212429219305188">Post-harvest factors</a> include washing and cleaning after harvesting, transportation and distribution, processing and packaging, and storage. As consumers we can’t directly control these factors – sometimes the veggies we buy just won’t be as good. But we can look out for things that will affect the produce once we bring it home. One major thing to look out for is bruised, wounded or damaged produce. This can happen at any stage of post-harvest handling, and can really speed up the <a href="https://www.sciencedirect.com/science/article/abs/pii/S0308814609001411">decay of your veggies and fruit</a>. Moisture loss through damaged skin speeds up deterioration and nutrient loss. The damage also makes it easier for <a href="https://www.sciencedirect.com/science/article/pii/S2468014119301943">spoilage microbes</a> to get in. <h2>To wash or not to wash?</h2> You don’t need to wash your produce before storing it. A lot of what we buy has already been washed commercially. In fact, if you wash your produce and can’t get it completely dry, the added moisture could speed up decay in the fridge. But washing produce <a href="https://theconversation.com/do-we-really-have-to-wash-fruit-and-vegetables-53039">just before you use it</a> is important to remove dirt and pathogenic bugs. Don’t use vinegar in your washing water despite what you see on social media. Studies indicate <a href="https://pubmed.ncbi.nlm.nih.gov/16496573/">vinegar has no effect</a> on lowering microbial loads on fresh produce. Similarly, don’t use baking soda. Even though there’s some evidence baking soda <a href="https://pubs.acs.org/doi/10.1021/acs.jafc.7b03118">can remove pesticide residues</a> from the surface of some produce, it’s not advisable at home. Just use plain tap water. <h2>Location, location, location</h2> The main thing you need is the correct type of packaging and the correct location – you want to manage moisture loss, decay and ripening. The three main storage options are on the counter, in the fridge, or in a “cool, dry and dark place”, such as the pantry. Here are some common examples of produce and where best to put them. Bananas, onion, garlic, potatoes, sweet potato and whole pumpkin will do better in a dark pantry or cupboard. Don’t store potatoes and onions together: onions produce a gas called ethylene that makes potatoes spoil quicker, while the high moisture in potatoes spoils onions. In fact, don’t store fruits such as apples, pears, avocado and bananas together, because these fruits <a href="https://www.tandfonline.com/doi/full/10.1080/15538362.2013.748378#:%7E:text=%27Malindi%27%20had%20higher%20respiration%20rates,retention%20in%20fruit%20during%20ripening">release ethylene gas</a> as they ripen, making nearby fruits ripen (and potentially spoil) much faster. That is, unless you do want to ripen your fruits fast. All leafy greens, carrots, cucumbers, cauliflower and broccoli will do best in the low-humidity drawer (crisper) in the fridge. You can put them in perforated plastic bags to retain moisture but maintain air flow. But don’t put them in completely sealed bags because this can slow down ripening while <a href="https://ucanr.edu/sites/hdnmastergardeners/files/338860.pdf">trapping carbon dioxide</a>, leading to decay and bad smells. Some fruits will also do best in the fridge. For example, apples and citrus fruits such as oranges can keep fresh longer in the fridge (crisper drawer), although they can stay at room temperature for short periods. However, don’t store watermelon in the fridge for too long, as it will lose its flavour and deep red colour if kept refrigerated <a href="https://ucanr.edu/sites/hdnmastergardeners/files/338860.pdf">for longer than three days</a>. Most herbs and some leafy vegetables – like celery, spring onions and asparagus – can be kept with stems in water to keep them crisp. Keep them in a well-ventilated area and away from direct sunlight, so they don’t get too warm and wilt. <figure><iframe src="https://www.youtube.com/embed/cHu10C1DAds?wmode=transparent&start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe><figcaption>Experimenting at home is a good way to find the best ways to store your produce.</figcaption></figure> <h2>Fight food waste and experiment</h2> Don’t buy too much. Whenever possible, buy only small amounts so that you don’t need to worry about keeping them fresh. Never buy bruised, wounded or damaged produce if you plan to keep it around for more than a day. “Process” your veggies for storage. If you do buy a large quantity – maybe a bulk option was on sale – consider turning the produce into something you can keep for longer. For example, banana puree made from really ripe bananas can be <a href="https://www.sciencedirect.com/science/article/abs/pii/S0023643817300853">stored for up to 14 days at 4°C</a>. You can use <a href="https://theconversation.com/frozen-canned-or-fermented-when-you-cant-shop-often-for-fresh-vegetables-what-are-the-best-alternatives-131678">freezing, blanching, fermentation and canning</a> for most vegetables. Consider vacuum sealing. Vacuum packaging of vegetables and berries can keep them fresh longer, as well. For example, vacuum-sealed beans can keep up to 16 months in the fridge, but will last only about <a href="https://www.vacpac.com.au/vacuum-sealed-life-expectancy-how-long-will-my-vacuum-sealed-products-last">four weeks in the fridge unsealed</a>. Keep track. Arrange your fridge so you can see the produce easily and use it all before it loses freshness. Experiment with storage hacks. Social media is full of tips and hacks on how best to store produce. Turn your kitchen into a lab and try out any tips you’re curious about – they might just work. You can even use these experiments as a way to teach your kids about the importance of reducing food waste. Grow some of your own. This isn’t <a href="https://theconversation.com/growing-your-own-food-and-foraging-can-help-tackle-your-ballooning-grocery-bill-heres-how-216264">feasible for all of us</a>, but you can always try having some herbs in pots so you don’t need to worry about keeping them fresh or using up a giant bunch of mint all at once. <a href="https://theconversation.com/health-check-are-microgreens-better-for-you-than-regular-greens-73950">Growing your own microgreens</a> could be handy, too.<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/226763/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/senaka-ranadheera-199225">Senaka Ranadheera</a>, Associate Professor, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/how-do-i-keep-my-fruit-veggies-and-herbs-fresh-longer-are-there-any-hacks-226763">original article</a>. </div>

Food & Wine

Do red bags get loaded onto a plane first? Travel hack goes viral

One TikTok user has racked up over 75 million views for their hack which warns travellers against buying red suitcases. The reason behind it? He claims that red suitcases are always loaded onto a plane first - meaning that they will be the last ones to come out at the baggage carousel. The <a href="https://www.tiktok.com/@airportlife_/video/7359248989134327072" target="_blank" rel="noopener">viral video</a> showed a plane's cargo being loaded, with all the red bags being loaded first. Many commenters have shared their theories on why this might be the case. "If the red are at the back then they are less likely to get left behind when unloading," one wrote. "So that it's easier to check if there is any bag left at end corner of loading area and prevent missing out black bags at dark corners, maybe," another added. However, a spokesperson for KLM Royal Dutch Airlines has debunked this theory and claimed that the video is "nonsense" and "was made purposefully to mislead or provide false information". They also said that there was simply not enough time for their baggage handlers to sort suitcases out by colour. The question of "Do red bags get loaded onto a plane first?" also made its way to Reddit, after the video went viral, and one user who claimed to be a ramp worker denied the theory. "If we had taken the time and brain power to load bags based on colour I'd still be loading flights from 2015." Image: TikTok

Travel Tips

"Can't WAIT to try this": Tradie's simple bin night hack

Taking the wheelie bins out and having to drag them back in is a chore that many dread, but one Aussie tradie has made life so much easier with his simple hack. Kyle Hume took to TikTok to share his simple yet effective trick to bring in two bins back from the curb at the same time, without having to wrangle two bins with both hands or make multiple trips. "I've been wheeling two bins my whole life until I noticed this," he shared. Hume's trick is to line up two bins in front of each other, resting the lid of the bin at the front on top of the bin at the back, and then closing the lid so it creates a makeshift hook that allows you to tip both bins back and wheel them in unison. <div class="embed" style="box-sizing: inherit; margin: 0px; padding: 0px; border: 0px; font-size: 16px; vertical-align: baseline; outline: none !important;"><iframe class="embedly-embed" style="box-sizing: inherit; margin: 0px; padding: 0px; border: 0px; font-size: 16px; vertical-align: baseline; outline: none !important; width: 573px; max-width: 100%;" title="tiktok embed" src="https://cdn.embedly.com/widgets/media.html?src=https%3A%2F%2Fwww.tiktok.com%2Fembed%2Fv2%2F7360205539604696336&display_name=tiktok&url=https%3A%2F%2Fwww.tiktok.com%2F%40kylehume7%2Fvideo%2F7360205539604696336%3Flang%3Den&image=https%3A%2F%2Fp16-sign-sg.tiktokcdn.com%2Fobj%2Ftos-alisg-p-0037%2FoYPnEqGncBAAtH22Eli4AIzBQC4wEANEIsf1ki%3Fx-expires%3D1715479200%26x-signature%3Di%252BOzi1g942kcQ1F0%252FqQuNd7eiho%253D&key=59e3ae3acaa649a5a98672932445e203&type=text%2Fhtml&schema=tiktok" width="340" height="700" frameborder="0" scrolling="no" allowfullscreen="allowfullscreen"></iframe></div> Many Aussies were "flabbergasted" by the trick, taking to the comments to express their shock at the simple method. "I've learned more on TikTok about adulting than I ever did in school," one joked. "I have four bins - this is going to save my life," another added. "What? Are you kidding me?" a third exclaimed. However, not everyone was impressed with his method, with some saying that it wouldn't work and there is a risk of damaging the bins. "Guessing that green bin slipped over and split using this hack, lol," one wrote. "This seems awkward and clunky," another added. "Don't you have two arms?" a third wrote. Images: TikTok

Home & Garden

Catriona Rowntree shares her Europe travel hacks she picked up from locals

After decades of hosting Getaway, Catriona Rowntree has learned a thing or two about travelling. Along the way, the 52-year-old has picked up some must-know secrets from locals that every traveller should know before heading to Europe. While in Mallorca in Spain, Rowntree quizzed locals on how to make the most out of her experience, and what faux pas to avoid. She was given advice on the best way to start a day at the markets, told why you should never rent an Airbnb or buy seafood on a Monday, why takeaway coffee is a bad idea and the secret to a longer, healthy life. The TV host shared a little known secret when it comes to buying fresh fish, and said travellers should not buy fish on Monday, because fishermen don’t fish on Sundays, meaning fish purchases on Mondays won’t be fresh. “The life expectancy of a Spaniard is 84, they're a healthy lot, loving a Mediterranean diet, a dollop of sun and a good climate,” she added. The presenter also discovered that all the locals she has spoken to don't like Airbnb accommodation and prefer for tourists to stay in hotels. “All the locals I've spoken to say that's what's pushing them out of their apartments as the town centres are slowly gentrified,” she said. “The average wage is low, most locals rent, sadly landlords prefer the higher fee of an Airbnb. Not cool!” Catriona's final tip is not to get your coffee takeaway, but rather sit down in a cafe, enjoy your coffee and take it slow. “People sit down to enjoy their coffee, they don't get a takeaway: 'If you can't sit for five minutes and talk to a person what's wrong with you!',” she said. Catriona said she was told by a local that the best way to start your day is to explore the markets by getting a hot chocolate and some churros. “Not every day as you'll be round, but market day for sure," she said. Image credits: Instagram

Travel Tips

The unique travel hack that is guaranteed to help beat jet lag

Experts have revealed how to beat jet lag on your next overseas holiday, and it all comes down to your modes of transport. Sleep researchers said it's good news for cruise lovers, as exposure to sea air and bright natural light improves sleep to cure the annoying condition quickly. Some experts say to avoid travelling by plane all together, and always opt for cruising holidays instead. However, if you have to travel to your cruise by plane, being on board is a great way to tackle the dreadful feeling, compared with holidaying on land, Panache Cruises said. Dr Lindsay Browning, expert at Trouble Sleeping said exposing yourself to bright lights at the right time after a long-haul flight is one of the most powerful things we can do to boost and help shift circadian rhythm, and being on a ship is the perfect place for that. "As a general rule, you want to get lots of bright light exposure during the daytime and avoid light at night," Browning said. "When travelling on a cruise ship, you will naturally get a lot of bright light exposure during the day, helping your circadian rhythm.” "Further, when travelling by ship you will have a cabin with a proper bed and curtain, enabling you to sleep at night when you want to." The company claimed research showed how prolonged exposure to sea air can improve blood oxygen levels, boost vitamin D, and improve breathing leading to higher-quality sleep, helping to rid travellers of pesky jet lag so they can enjoy their holidays. Image credits: Getty Images

Travel Tips

Vinegar and baking soda: a cleaning hack or just a bunch of fizz?

<a href="https://theconversation.com/profiles/nathan-kilah-599082">Nathan Kilah</a>, <a href="https://theconversation.com/institutions/university-of-tasmania-888">University of Tasmania</a> Vinegar and baking soda are staples in the kitchen. Many of us have combined them in childhood scientific experiments: think fizzy volcanoes and geysers. But people also frequently mix vinegar and baking soda to produce a reportedly effective household cleaner. Unfortunately, the chemistry behind the bubbly reaction doesn’t support the cleaning hype. The fizzy action is essentially <a href="https://theconversation.com/six-surprising-things-about-placebos-everyone-should-know-220829">a visual “placebo</a>”, formed by the combination of an acid and a base. So, how does it work, and is it worth using these chemicals for cleaning? To understand all this, it helps to know a little more about chemistry. <h2>What’s an acid?</h2> Foods with a sour taste typically contain acids. These include citric acid in lemon juice, malic acid in apples, lactic acid in yoghurt and <a href="https://theconversation.com/kitchen-science-everything-you-eat-is-made-of-chemicals-56583">phosphoric acids in soft drinks</a>. Most vinegars contain around 4–10% acetic acid, the rest is water and small amounts of flavour chemicals. There are other naturally occurring acids, such as formic acid in ant bites and hydrochloric acid in our stomachs. Industrially, sulfuric acid is used in mineral processing, nitric acid for <a href="https://theconversation.com/what-is-ammonium-nitrate-the-chemical-that-exploded-in-beirut-143979">fertiliser manufacturing</a> and the highly potent hydrofluoric acid is used to etch glass. All of these acids share similar properties. They can all release hydrogen ions (positively charged atoms) into water. Depending on their potency, acids can also dissolve minerals and metals through various chemical reactions. This is why vinegar is an excellent cleaner for showers or kettles – it can react with and dissolve mineral deposits like limescale. Other common acidic cleaning ingredients are oxalic acid, used for revitalising timber decks, hydrochloric acid in concrete and masonry cleaners, and sulfamic acid in potent toilet cleaners. <h2>What’s a base?</h2> In chemistry, bases – the opposite of acids in many ways – can bind, rather than release hydrogen ions. This can help lift and dissolve insoluble grime into water. Bases can also break apart fat molecules. Baking soda (also known as sodium hydrogen carbonate, sodium bicarbonate, or bicarb) is a relatively weak base. Stronger common bases include sodium carbonate (washing soda), sodium hydroxide (lye) and ammonia. <a href="https://theconversation.com/spill-at-a-nuclear-facility-shows-potential-burn-risks-from-a-household-chemical-112763">Sodium hydroxide</a> is a potent drain cleaner – its strong base properties can dissolve fats and hair. This allows blockages to be broken down and easily flushed away. <h2>Mixing a base and an acid</h2> Mixing vinegar and baking soda causes an immediate chemical reaction. This reaction forms water, sodium acetate (a salt) and carbon dioxide – the fizzy part. The amount of carbon dioxide gas that is produced from baking soda is remarkable – one tablespoon (around 18 grams) can release over <a href="https://www.chemedx.org/JCESoft/jcesoftSubscriber/CCA/CCA8/MAIN/8/06/2/4/movie.html">five litres of gas</a>! But only if you add enough acid. Reactions in chemistry often use equal quantities of chemical reagents. A perfect balance of acetic acid and baking soda would give you just water, carbon dioxide and sodium acetate. But the majority of vinegar and bicarb cleaner recipes use a large excess of one or the other components. An example from TikTok for a DIY oven cleaner calls for one and a half cups of baking soda and one quarter cup of vinegar. Crunching the numbers behind the chemical reaction shows that after the fizz subsides, over 99% of the added baking soda remains. So the active cleaning agent here is actually the baking soda (and the “elbow grease” of scrubbing). Ovens can be cleaned much more rigorously with stronger, sodium hydroxide based cleaners (although these are also more caustic). Many modern ovens also have a self-cleaning feature, so read your product manual before reaching for a chemical cleaner of any sort. <h2>What about the sodium acetate?</h2> Devotees of vinegar and baking soda mixtures might be wondering if the product of the fizzy reaction, sodium acetate, is the undercover cleaning agent. Unfortunately, sodium acetate is an even weaker base than baking soda, so it doesn’t do much to clean the surface you’re trying to scrub. Sodium acetate is used in <a href="https://www.youtube.com/watch?v=vABpel-11Nc">crystallisation-based heating packs</a> and as a concrete sealant, but not typically as a cleaner. Fun fact: sodium acetate can be combined with acetic acid to make a crystalline <a href="https://theconversation.com/busting-the-myth-that-all-food-additives-are-bad-a-quick-guide-for-label-readers-82883">food additive</a> called sodium diacetate. These crystals give the vinegar flavour to <a href="https://www.youtube.com/watch?v=N0hEutu_goY">salt and vinegar chips</a> without making them soggy. <h2>Sorry to burst your bubbles</h2> There are a few rare cases where mixing vinegar and baking soda may be useful for cleaning. This is where the bubbling has a mechanical effect, such as in a blocked drain. But in most cases you’ll want to use either vinegar or baking soda by itself, depending on what you’re trying to clean. It will be less <a href="https://theconversation.com/visually-striking-science-experiments-at-school-can-be-fun-inspiring-and-safe-banning-is-not-the-answer-195362">visually exciting</a>, but it should get the job done. Lastly, remember that mixing cleaning chemicals at home can be risky. Always carefully read the product label and directions before engaging in DIY concoctions. And, to be extra sure, you can find out more safety information by reading the product’s <a href="https://theconversation.com/a-new-tiktok-trend-has-people-drinking-toxic-borax-an-expert-explains-the-risks-and-how-to-read-product-labels-210278">safety data sheet</a>.<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/225177/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/nathan-kilah-599082">Nathan Kilah</a>, Senior Lecturer in Chemistry, <a href="https://theconversation.com/institutions/university-of-tasmania-888">University of Tasmania</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/vinegar-and-baking-soda-a-cleaning-hack-or-just-a-bunch-of-fizz-225177">original article</a>.

Home & Garden

"Cruel" shopper slammed for leaving dog in hot car

A woman has been slammed on social media for allegedly leaving her dog in an unattended car for 40 minutes on a hot day. The incident occurred at Warringah Mall in Sydney's north on Monday, when temperatures reached up to 28 degrees. Claire, claimed the dog-owner pulled up next to her in an undercover car park, and then watched the woman leave her pet locked in an unattended car while she shopped. "Myself and my mother waited till she got back," she told Yahoo News Australia. "It was around 3.15pm and she didn’t come back till just before 4pm". During that time, Claire said she called security, who attempted to contact the owner via a mobile number on the dog's harness. She also tried calling the RSPCA and police but claimed that not much could be done. When the owner finally returned, Claire questioned her about leaving the "panting and drooling" animal unattended, but the woman reportedly just "laughed and scoffed" before "driving away as quick as possible". Claire shared photos of the pup on Facebook and criticised the owner, for her "absolute irresponsibility and disgusting behaviour", calling her an "absolute d**khead". "People like you should not own animals," she wrote. While many agreed that the woman's actions were "absolutely awful," a few others argued the act was fine as the car was undercover and "the dog doesn't look hot and distressed at all." Another person who claimed to know the owner, said that the woman's car "has an aircon function which allows the air-conditioning to run when the engine is not running" and the pet is generally "very spoiled and happy". A few others disagreed, and said that the act was "cruel" and "simply disgusting" regardless. "Undercover or not you don't lock a baby in a car, you don't lock an animal in a car ... no excuse," one wrote. An RSPCA spokesperson has also spoken out and said that leaving a dog inside a car unattended is "always dangerous" no matter the location or the temperature outside. They said that even on mild days, temperatures in a car can "rapidly heat up" and can reach "double" the outside temperature. "When it’s 22 degrees Celsius outside, the inside of a car can reach a stifling 47 degrees and this is no environment for a dog," the spokesperson said. Image: Facebook

Family & Pets

Aldi shopper mercilessly mocked over "shotgun pellet" claims

An Aldi shopper has been slammed online after claiming she found "shotgun pellets" in a piece of meat. The mum from Canberra took to a Facebook group dedicated to parents who shop at Aldi, to share pictures of a mysterious find in her corned beef. She claimed the slab of meat was laced with small metal balls, and after her growing concern about what she ingested, the woman went so far as to book in an abdominal x-ray. “Today I prepared a whole piece of meat in a pressure cooker that I bought at ALDI in Gungalhin, I was in a hurry so I only added one garlic and salt,” she wrote on Facebook. “While I was tasting a piece that had just been taken out of the pot, I felt something hard and noticed that it was a metal ball." “I checked the pot thoroughly but it was not part of the pot. Then I helped myself to another piece and realised there was one more I didn’t chew, I took it out and looked — ball was IN BETWEEN. “Can I complain to Aldi? Has it happened to you? I was going to give that meat to my two-year-old daughter, now I’m afraid. I prefer to throw it away.” She later added, “Update: shotgun pellets inside the cow meat! I have an abdominal [x-ray] for tomorrow to check if I ate some before noticed. There are more inside the meat." Despite her grave concerns, other shoppers were quick to slam her claims, with many arguing back that the small black balls appeared to be peppercorns and maintained that “no livestock are slaughtered with shotguns”. “Aren’t cows shot with a power head not bullets?” one said. Another wrote, “Cows aren’t shot with a shotgun they get a metal rod through the brain. Farmers don’t even use a shotgun, they use a gun that uses one bullet through the brain. This is very odd.” Many people also claimed that the round balls seemed to be peppercorns, prompting the mum to defend herself. She said, “That is not peppercorn! It’s completely round, the other one half is being covered by the meat. Definitely looks like something that shouldn’t be in there.” An ALDI Australia spokesperson has told <a href="https://7news.com.au/lifestyle" target="_blank" rel="noopener" data-link-type="article-inline">7News</a> that it has not received any similar complaints. “We are in direct contact with customer and are investigating the possibility that this product has not met our strict quality and safety standard,” the spokesperson said. “We have not received any further complaints of a similar nature, however, customers can return any product they are not satisfied with for a full refund or replacement.” Image credits: Getty Images / Facebook

Legal

Coles shopper humiliated after being accused of shoplifting

A Coles shopper has been left feeling humiliated after they were forced to lift up their shirt to prove they weren’t shoplifting. Tony Jones, 39, was about to pay for his groceries at self-checkout on Saturday morning when he was confronted by the employee of the Brisbane Coles who made the accusation. “And what about what’s under your shirt?” Mr Jones said the staff member loudly asked him, causing the other customers to look around. Mr Jones has a stoma as a result of having his entire bowel removed from bowel cancer a few years ago, and later developed an “extremely obvious” hernia at the site which “sticks out about 15 centimetres from my stomach”. “My initial reaction was flat-out shock, because she didn’t say it in a way of asking me, she flat-out accused me,” he told <a href="https://www.news.com.au/finance/business/retail/customer-with-obvious-hernia-humiliated-at-selfservice-checkout/news-story/56980cdcada75ba9ae0cca9cb90c75f0" target="_blank" rel="noopener">news.com.au</a>. “She seemed quite proud. Everybody in the self-checkout bay heard what she accused me of, and she walked over to me. I was just stunned, I guess I kind of shut down — I’ve never been accused of being a thief before — so I just lifted my shirt.” After revealing his condition, Jones was left feeling “violated” as the supermarket worker simply said, “Yeah, sorry, we’ve had a few of those lately,” apparently referring to shoplifting incidents. Coles has since apologised to Mr Jones, but that hasn’t made up for the trauma he endured in the supermarket. “I’ve lived here for 12 or 13 years, I’ve been at that Coles plenty,” he said. “Obviously I don’t expect retail staff to recognise everybody … I assume they’ve had some thefts lately, I’m not sure whether they’ve been given instructions to pull up more people because they don’t have a [security] gate yet.” Mr Jones took to Reddit to share the story of his encounter, asking those on the social media site, “Is Coles allowed to ask what’s under my shirt? When it’s just my hernia.” The post quickly went viral, attracting hundreds of comments. “Former loss prevention officer here — they cannot detain you in any way unless they have witnessed you select the goods and witnessed you not take advantage of a reasonable opportunity to pay,” one person wrote. Another woman said, “I have a permanent ileostomy and have had retail workers accuse me of stealing too. It’s annoying because most of the time I wear clothes where the top of it pokes out the top and it’s happened when I’ve worn clothes that completely covered it.” A third person commented, “Gentle reminder Coles turned a record profit in the midst of the Covid recession, then decided to install hard arse security detectors to catch thieves.” Mr Jones said the whole experience left him feeling rattled and upset, especially as he continues to undergo treatment for his condition and prepare for another surgery. “I’m not dealing with it great, if I’m truthful,” he said. “I’m seeing doctors weekly at the moment. Things add up, and getting called out on Saturday, it basically shut me down for the entire day, [left me] for lack of a better word feeling like s**t. I had all eyes on me. I’m not a social person so I just wanted to get out of there to be honest. I don’t think I’ll ever be going back to Coles.” Image credits: Getty Images

Body

15 hacks that make running errands so much better

Run errands during the week More than 90 per cent of people do errands on the weekends, meaning shops will be packed and traffic will be a nightmare. Running errands on a weeknight will get you in and out in half the time. Once the kids are in bed, have one parent stay home while the other drives to the shops. You’ll miss the crowds and keep your weekend free for fun and family. Turn on a podcast Radio music – and its deejays and commercials – can get intense. Switch off the FM and plug in your phone so you can listen to a podcast or audiobook. You’ll be more relaxed, and the time will fly as you get engrossed in the story. Make the most of your time Never run out for just one task. Save time, petrol, and stress by getting more than one thing done when you’re out of the house. After dropping your child off at soccer practice, drop off your dry cleaning or pick up the milk from the supermarket. Set up an errand centre in your home Keeping all the objects you’ll need to complete your errands – packages to be mailed, dry cleaning to be delivered, library books to be returned – in one place will make it easy to get out the door when you get the chance. Designate a space by the door or in your car as a visual reminder of what needs to get done. Buy in bulk Picking up big batches of items like toilet paper, dog food, and tampons means fewer trips to the supermarket and less time running errands. Plus, you save money by buying bulk packages or stocking up while the items are on sale. Use long lines for "me time" Instead of griping about how long your wait to the cash register is, think of it as a few peaceful moments to yourself. Close your eyes (don’t be self-conscious!) and imagine yourself sitting on a quiet beach or getting a massage. Take several deep breaths while you mentally escape to that place. You’ll be much more relaxed, and you can wait in line with less frustration. Practice mindfulness Performing a ‘walking meditation’ while you shop will keep you engaged with your task instead of letting your mind wander to other stressors. By the end of your trip, you’ll have more energy and less frustration. Pay attention to the bright colours of the produce, the scents wafting from the bakery, and the feeling of each step you take. Do someone else's errands If you have an elderly neighbour or know a mother with young kids, offer to add some of their tasks to your to-do list. Studies have shown that helping others can reduce stress. Tune out Instead of drowning out your thoughts with music, keep the radio off when you’re driving and allow your own thoughts to come to you. The stimuli of everyday life can be overwhelming, so this is your chance to recharge your energy in the silence. Keep a grocery list on your phone You probably buy the same things on most of your grocery runs. Instead of writing a new list every week, keep an ongoing list on your phone, which makes it easy to add and remove items. Organise your list in the order you’ll find them at the supermarket. For instance, if you start near the produce section, write the fruits and vegetables first. Reward yourself To keep yourself motivated while you’re out, add a little luxury to your shopping list. Treat yourself with nice bath soap, a bouquet of flowers, or your favourite craft beer. Keep an ongoing errands list Write down your usual tasks, along with the ones you keep forgetting to do, like buying socks for your child or making a vet appointment for the dog, in a notepad. Carry it with you so you don’t miss anything when you’re out. When you’re home, stash it where the rest of your family can access it and jot down their needs. Buy online as much as possible The possibilities are endless: order groceries, buy stamps, cash checks, and renew library books online. Giving your credit card number over a secured server is safer than stating your number over the phone, and sometimes safer than handing your card over at a store. Alternate tasks with your neighbours Make a deal with your neighbours in which you do the grocery shopping one week, and they take care of it the next. You can watch each other’s kids when it’s your turn to stay home, and both of you will make fewer trips to the supermarket. Or plan to go grocery shopping with a friend. You’ll have more fun with the social support, and your kids might behave better with someone else present. Have dad run errands with the kids Kids who cook, clean, and run errands with their dads have more friends and are better behaved, according to a University of California study. Make sure your partner (or you, if you’re a dad) takes the kids along every now and then. As a bonus, wives of men who do chores with their kids find their husbands more attractive. Image credits: Getty Images This article originally appeared on <a href="https://www.readersdigest.com.au/culture/15-hacks-that-make-running-errands-so-much-better?pages=1" target="_blank" rel="noopener">Reader's Digest</a>.

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