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Australians are embracing chatbots this Christmas, but what does it mean for retailers and consumers?

<div> <p><em><strong>By Richard Valente, Executive Vice President of Business Solutions at<a title="https://www.teleperformance.com/" href="https://www.teleperformance.com/" target="_blank" rel="noopener" data-outlook-id="b381e4a3-fd96-44ea-ac4f-2162ce2e7cfe"> </a><a title="https://www.teleperformance.com/" href="https://www.teleperformance.com/" target="_blank" rel="noopener" data-outlook-id="6a609d2f-3bfa-4e4d-b9b1-9936ebdc3ade">Teleperformance</a> (TP)</strong></em></p> </div> <p>The festive season is upon us and Australians are turning to technology to make their Christmas shopping easier. A new study reveals that nearly one-third of Australian shoppers are more open to using AI chatbots this year than last, a significant shift in consumer behaviour. </p> <p>Surprisingly, it’s not just the younger generations leading the charge. Australians aged 55 and over are also showing a growing willingness to embrace chatbots for finding the best deals and simplifying their holiday shopping. But what does this mean for retailers, and how are consumers balancing convenience with the desire for personalised service?</p> <p> AI chatbots are revolutionising how we shop. From generating tailored gift recommendations to answering product questions in real-time, chatbots are no longer just a novelty, they’re a powerful tool in the modern retail landscape. </p> <p>Retail giants like Amazon have adopted these advancements, offering AI-powered buying guides that help consumers navigate complex purchasing decisions. Whether you’re looking for the latest tech gadget or the perfect pair of shoes, these tools streamline the shopping experience, saving time and effort during the busy Christmas rush.</p> <p>Older Australians are joining the AI revolution and the adoption of over 55s highlights a fascinating trend - older consumers are increasingly willing to experiment with technology. Their openness to chatbots suggests a broader acceptance of AI in everyday life, driven by its ability to simplify tasks and provide instant support. </p> <p>However, this rapid technological adoption doesn’t come without concerns. Many Australian consumers are apprehensive about the fast changing shopping experience. They fear losing the personal touch that has traditionally defined retail interactions. But the reality is that these advancements can enhance the shopping journey by freeing up staff to engage in more meaningful ways with customers. </p> <p>Here at TP, we feel the key to maintaining customer trust lies in using AI to complement human assistance, not replace it. Automating repetitive tasks, answering questions and providing tailored recommendations. </p> <p>For retailers the messaging is clear, innovation must go hand-in-hand with empathy. Businesses that invest in both AI technology and high quality customer service teams will be positioned to meet evolving customer expectations. </p> <p>AI isn’t just transforming the customer experience, it’s also delivering cost efficiency for retailers. Automated systems reduce the burden on support staff enabling faster responses to customer enquiries while lowering operational costs. This dual benefit is why brands are rushing to integrate AI-powered solutions like customer relationship management (CRM) systems, omnichannel tracking and loyalty programs. </p> <p>It’s important retailers find balance and use AI to enhance the customer journey and not overshadow it. Self-service options and chatbots are invaluable but they should be backed by a strong human support team for more complex queries. </p> <p>For customers, the rise of chatbots means faster service, better deals and smoother shopping journeys. But it also highlights the growing importance of choosing brands that value customer care. TP’s research shows that half of consumers now prioritise companies with excellent service, a trend likely to shape the future of retail. </p> <p>As Australians embrace AI this Christmas, the message is clear, technology is not the enemy of personalisation. Instead, it’s a tool that when used thoughtfully, can make holiday shopping less stressful and more enjoyable for everyone. </p> <p>This holiday season, chatbots are proving to be the ultimate shopping assistant but only for brands willing to blend innovation with a human touch. As we look ahead, one thing is certain, the future of retail will be shaped by how well technology and empathy can co-exist.</p> <p><em>Image credits: Shutterstock </em></p>

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Aussies reminded to look out for this lifesaving roadside marker

<p>Aussie drivers are being reminded about a little-known roadside marker that could save your life. </p> <p>As the holiday season approaches, drivers have been reminded of the purpose of the small green circles that appear on roadside reflector poles. </p> <p>"With the holiday period fast approaching, I wanted to remind residents about green reflectors," federal MP Colin Boyce wrote over the weekend. </p> <p>"You may have noticed some green reflectors on guide posts beside the road on some highways. These indicate that there is a safe place to pull off the road coming up soon so you can indicate your intentions early and be prepared," he said.</p> <p>The number of dots indicate the distance between you and the place you can pull over. Three dots mean that drivers are approximately 500 metres from a safe place to pull over, two means you're 250 metres away and one green circle appears just before the area. </p> <p>"The idea is from road safety advocate and B double truck driver Rod Hannifey, alerting drivers that there is a safe place to pull off the road coming up," the Queensland MP added.</p> <p>"While the idea was originally intended for long haul truck drivers all road users can use them."</p> <p>Many Aussies have shared their enthusiasm for the highway initiative, and how important it was for caravan and motorhome drivers especially. </p> <p>"A lot more people need to know about this. Especially people with caravans," one woman commented.</p> <p>"Would love this all over Australia! There's nothing worse than driving at night with a screaming baby in the back who wants a feed and not knowing if it's a safe place to pull over," another said.</p> <p>Others have shared that they hadn't noticed the markings or realise what it meant. </p> <p>"Have asked a few people recently if they knew what these reflectors stood for, and not one knew. Explanation followed. Should be a compulsory question asked of caravaners," one local wrote.</p> <p>"One of the world's best kept secrets! Thanks," another said.</p> <p><em>Images: Truck Friendly/ Yahoo</em></p> <p> </p>

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Flight attendant reveals best tips for end-of-year travelling

<p dir="ltr">A flight attendant has shared her holy grail tips for surviving the ups and downs of holiday travelling, and how to ensure your travel days are a breeze. </p> <p dir="ltr">Florida-based flight attendant Hunter Smith-Lihas, who works as a flight attendant on a major US airline, and veteran Australian flight-attendant-turned-aviation-researcher Liz Simmons, shared their tips, tricks and secrets with <a href="https://edition.cnn.com/travel/flight-attendants-secrets-surviving-holiday-travel/index.html" target="_blank" rel="noopener"><em>CNN Travel</em></a> ahead of the busy holiday season, delving into their five top tips if you’re jet-setting around Christmas time. </p> <p dir="ltr"><strong>Give yourself an extra day</strong></p> <p dir="ltr">Flying at the last minute is risky business, especially if you’re travelling for a special pre-booked event. </p> <p dir="ltr">Smith-Lihas advises travellers to "give yourself at least one buffer day in between your travel and the event," just in case you encounter delays or issues at the airport.</p> <p dir="ltr">Whether you're travelling in the northern or southern hemisphere, there's a potential for storms and weather delays, which can cause cancellations.</p> <p dir="ltr">If you've got a buffer day, a cancelled flight doesn't automatically equal cancelled Christmas, as Smith-Lihas said, "You at least still have that entire day to get rebooked on another flight." </p> <p dir="ltr"><strong>Ensure you have a buffer at your lay-over stop</strong></p> <p dir="ltr">With this same idea in mind, Smith-Lihas recommends travellers give themselves at least 90 minutes between connecting flights.</p> <p dir="ltr">While the idea of sitting around in the airport waiting isn't appealing, missing your connecting flight is a much worse outcome.</p> <p dir="ltr">"I see a lot of people who book their layover flight connection times with less than 45 minutes," says Smith-Lihas. "That is not enough time."</p> <p dir="ltr">If your first flight is delayed, you can easily end up missing the second, says Smith-Lihas "especially if you're connecting in a foreign country and you have to go through customs and immigration."</p> <p dir="ltr">Leaving more time in between your connecting flights will also ensure your luggage makes it off your first plane and onto the second, making sure your Christmas outfits and presents arrive at your final destination.</p> <p dir="ltr"><strong>Opt for the first fight of the day </strong></p> <p dir="ltr">While it might be tempting to book an evening flight to give yourself the whole day for last-minute travel preparation, Simmons and Smith-Lihas both recommend getting the first flight of the day, if possible.</p> <p dir="ltr">"If you're trying to dodge any delays, flying at the beginning of the day is beneficial, because any delays or cancellations will roll on throughout the day," explains Simmons.</p> <p dir="ltr">"And if the flight is cancelled, you at least still have that entire day to get rebooked on another flight," adds Smith-Lihas.</p> <p dir="ltr"><strong>Don’t overdo the alcohol </strong></p> <p dir="ltr">In the spirit of the holidays, it may be tempting to partake in a few glasses of wine on your flight while on your way to holiday celebrations. </p> <p dir="ltr">However, Simmons advises to limit your boozy beverages, as you don’t want to arrive at your destination hungover. </p> <p dir="ltr">"Always keep in mind how you'll feel at the other end," says Simmons. "The real party will start at your destination, so resting and making sure that you're in your best possible state when you arrive for that party is so important."</p> <p dir="ltr">Instead, Simmons champions staying hydrated with water and herbal teas.</p> <p dir="ltr">Meanwhile Smith-Lihas said passengers should never be afraid to ask flight attendants for more water, saying,  "The cabin air can be very dry. It's easy to become dehydrated on a plane."</p> <p dir="ltr"><strong>Remember to be kind </strong></p> <p dir="ltr">Above all else, Simmons says keeping "the message of the holiday season" in front of your mind is key for surviving stressful holiday travel.</p> <p dir="ltr">"Small gestures of goodwill are always so appreciated and certainly do not go unnoticed, but sometimes the best gift is patience and understanding and a smile and kindness."</p> <p dir="ltr">"A lot is happening in the world at the moment, and there's a lot of unease around, there's a lot of uncertainty for some people, and not everybody has a family to go to during the holidays," she says.</p> <p dir="ltr">"So just keep in mind how powerful kindness is. Being kind and smiling, the impact that could have on a stranger's day, on their mood… It's so special, and it's something that we really don't harness. Maybe we don't realise how much power we have."</p> <p dir="ltr"><em>Image credits: Shutterstock </em></p>

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Australia passes world-first social media ban for children under-16

<p>Children under-16 will be banned from using social media from the end of next year, after the world-first legislation passed the parliament on Thursday. </p> <p>The law means that anyone under the age of 16 will be blocked from using platforms including TikTok, Instagram, Snapchat and Facebook among others, and will make the platforms liable with fines of up to $50 million for failing to prevent these children from holding social media accounts. </p> <p>The Senate passed the bill 34 votes to 19 last Thursday, with The House of Representatives approving the legislation by 102 votes to 13 on Wednesday.</p> <p>The platforms will have one year to work out how to implement the ban before penalties are enforced, however the laws have received mixed reviews from tech companies and mental health experts alike. </p> <p>Meta Platforms, which owns Facebook and Instagram, said the legislation had been “rushed.”</p> <p>Digital Industry Group Inc., an advocate for the platforms in Australia, also questioned how it would work and the impact it would have on children. </p> <p>“The social media ban legislation has been released and passed within a week and, as a result, no one can confidently explain how it will work in practice – the community and platforms are in the dark about what exactly is required of them,” DIGI managing director Sunita Bose said.</p> <p>The platforms cannot force people to provide government-issued identity documents, including the Digital ID, to assess their age. </p> <p>“This policy will hurt vulnerable young people the most, especially in regional communities and especially the LGBTQI community, by cutting them off,” Greens senator David Shoebridge said. </p> <p>Mental health experts agreed that the social media ban could dangerously isolate children who used social media to find support. </p> <p>Christopher Stone, executive director of Suicide Prevention Australia, added the legislation failed to consider positive aspects of social media in supporting young people's mental health. </p> <p>“The government is running blindfolded into a brick wall by rushing this legislation. Young Australians deserve evidence-based policies, not decisions made in haste,” Stone said in a statement.</p> <p>Online safety campaigner Sonya Ryan, whose 15-year-old daughter Carly was murdered by a 50-year-old pedophile who pretended to be a teenager online, described the Senate vote as a “monumental moment in protecting our children from horrendous harms online," in an email to the AP. </p> <p>Wayne Holdsworth, a father whose son took his own life following a sextortion scam, also approved the decision to introduce the age restriction. </p> <p>Meta Platforms has responded to the new laws saying: “Naturally, we respect the laws decided by the Australian Parliament."</p> <p>“However, we are concerned about the process which rushed the legislation through while failing to properly consider the evidence, what industry already does to ensure age-appropriate experiences, and the voices of young people.”</p> <p><em>Image: </em><em>BigTunaOnline / Shutterstock.com</em></p>

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Home and Away star's urgent scam warning

<p><em>Home and Away</em> star Ethan Browne, best-known for his role as Tane Parata on the show, has issued an urgent warning to fans following an influx of social media accounts impersonating him. </p> <p>The actor took to Instagram to warn fans about people impersonating him online. </p> <p>"Please protect yourselves and don't message anyone who claims to be me," Ethan said.</p> <p>"THEY ARE ALL SCAMS!"</p> <p>He went on to explain that he would never message anyone privately, and his Instagram and personal Facebook page are his only social media accounts. </p> <p>"I would never privately message anyone other than my family and friends," he wrote. </p> <p>"This Instagram and my private Facebook account (for family and friends) are my only social media accounts. Unfortunately I can't control  every false account out there. Please be wise and don't respond to them."</p> <p>Fake Facebook profiles pretending to be actors often pop up on certain fan pages and interact with fans. </p> <p>One fan recalled her experience in one Home and Away Facebook group, saying that a  a fake Ethan profile had reached out to her and started sending private messages, resulting in her blocking him. </p> <p>Another fan said: "I got one from him (supposedly) and I said he was one of my favourite actors on the show next thing, I know he wanted a photo of me and the pennies dropped I was being scammed."</p> <p>"I was scammed [by someone] who I thought was Tane from Home and Away, but it wasn't even him... he was saying he wanted to meet up and go out with me," another fan wrote. </p> <p><em style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;">Image: Seven/ Instagram</em> </p>

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Pilot explains why plane windows are rounded

<p dir="ltr">A pilot has revealed why plane windows are the unique shape that we see today, sharing a glimpse into the world of airplane design and engineering. </p> <p dir="ltr">American Airlines pilot Captain Steve, who regularly makes TikTok videos on the marvel of flying, shared the reason why plane windows today are slightly rounded instead of square, revealing why this design became the norm. </p> <p dir="ltr">"Some of the airliners were designed with square windows and over in Europe as airplanes started to climb higher and require more pressurisation, they discovered a problem," he shared in a clip that has since been viewed over two million times.</p> <p dir="ltr">Following a series of inflight disasters caused by their rectangular counterparts, the window designs had to be changed, as Captain Steve said, “The airplanes literally came apart.”</p> <p dir="ltr">He added that "they lost a few airplanes in midair" because the square windows created "a hairline crack" right in the edge, and the stress on the airframe caused by the pressurisation was simply too much.</p> <p dir="ltr">As a result, engineers decided to round the windows' frames so they wouldn't break under the strain and they've "never had a problem since," according to the pilot.</p> <p dir="ltr">The video was flooded with comments by curious passengers, with one person writing, “I have never thought about this but it makes so much sense! Captain Steve is teaching us yet again.”</p> <p dir="ltr"><em>Image credits: Shutterstock </em></p>

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Holiday budgeting tips for over-60s: Expert advice for a stress-free season

<div> <p>The festive season is a time for joy, but it can sometimes also bring a little extra financial stress. With the rising cost of essentials, many Aussies in retirement might be feeling the pinch. And it’s not your imagination – recent <a title="https://protect.checkpoint.com/v2/___https:/nam02.safelinks.protection.outlook.com/?url=https%3A%2F%2Fwww.superannuation.asn.au%2Fmedia-release%2Frising-insurance-premiums-add-strain-to-retirees-finances-says-super-peak-body%2F*23%3A~%3Atext%3DThe%2520latest%2520figures%2520from%2520ASFA%2Cover%2520the%2520last%252012%2520months.&amp;data=05%7C02%7Cdardisa%40we-worldwide.com%7C3306a1dfb9de4e30dd3b08dcfecff5e5%7C3ed60ab455674971a5341a5f0f7cc7f5%7C0%7C0%7C638665416381860501%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C0%7C%7C%7C&amp;sdata=3ePPI8b1SEXOATgcY6vYWJRi8gBzZHv0jM1dgqkIoUI%3D&amp;reserved=0___.YzJ1OndlY29tbXVuaWNhdGlvbnM6YzpvOmMyMDk4YTI2ZGE5OWUzY2FhZWQ2Nzc5ZTg1YWM0OGJiOjY6YjM1NDo4YTdiNGQ5MTcwZjBhYzgwNzI4ZDVmYTlhNTA0OWVhYThkZTU0NWJhN2FhZDgzZGQ2MGQ1ZjZiYWU5MTc3MGI1OnA6VDpG" href="https://protect.checkpoint.com/v2/___https:/nam02.safelinks.protection.outlook.com/?url=https%3A%2F%2Fwww.superannuation.asn.au%2Fmedia-release%2Frising-insurance-premiums-add-strain-to-retirees-finances-says-super-peak-body%2F*23%3A~%3Atext%3DThe%2520latest%2520figures%2520from%2520ASFA%2Cover%2520the%2520last%252012%2520months.&amp;data=05%7C02%7Cdardisa%40we-worldwide.com%7C3306a1dfb9de4e30dd3b08dcfecff5e5%7C3ed60ab455674971a5341a5f0f7cc7f5%7C0%7C0%7C638665416381860501%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C0%7C%7C%7C&amp;sdata=3ePPI8b1SEXOATgcY6vYWJRi8gBzZHv0jM1dgqkIoUI%3D&amp;reserved=0___.YzJ1OndlY29tbXVuaWNhdGlvbnM6YzpvOmMyMDk4YTI2ZGE5OWUzY2FhZWQ2Nzc5ZTg1YWM0OGJiOjY6YjM1NDo4YTdiNGQ5MTcwZjBhYzgwNzI4ZDVmYTlhNTA0OWVhYThkZTU0NWJhN2FhZDgzZGQ2MGQ1ZjZiYWU5MTc3MGI1OnA6VDpG" data-auth="Verified" data-outlook-id="1a0a0a08-2e36-4601-a0a3-f9c8bb379afe">data</a> from the Association of Superannuation Funds of Australia (ASFA) reveals that the cost of maintaining a comfortable retirement has increased by 3.7% in the last year. For those in retirement, managing holiday spending can help ensure a stress-free festive season. </p> </div> <div> <p>Toby Perkins, a Certified Financial Planner® at industry superfund NGS Super, shares his helpful tips to ensure retirees manage their budgets during the holidays.</p> </div> <p><strong>1. Avoid personal debt</strong></p> <div> <p>Credit cards and overdrafts may seem like quick solutions, but they often lead to high-interest debt. "If you need extra funds for the festive season, it might be worth considering options like your superannuation income stream instead," advises Toby. Avoiding extra debt may help you to maintain your financial stability in the long run and help set you up for a stress-free Christmas next year. </p> </div> <p><strong>2. Plan ahead: Budget for the entire year</strong></p> <div> <p>Although it may be too late to adjust your budget for this holiday season, now is a good time to start planning for next Christmas. "Incorporating holiday spending into an annual budget can prevent financial strain in December," Toby suggests. By tracking your expenses throughout the year, you can identify potential savings and plan for any extra costs, such as gifts and travel.</p> </div> <p><strong>3. Review government entitlements</strong></p> <div> <p>It’s important for you to ensure you are receiving the correct government entitlements. "If you’re receiving the Age Pension, make sure all your details are up to date," Toby advises. Even if you're not eligible for the Age Pension, you may qualify for the Commonwealth Seniors Health Card or state-based Seniors Cards, which can help reduce costs on health care, transport, and other services. For more information, visit <a title="https://protect.checkpoint.com/v2/___https:/www.servicesaustralia.gov.au/most-useful-information-for-retirement-years___.YzJ1OndlY29tbXVuaWNhdGlvbnM6YzpvOmMyMDk4YTI2ZGE5OWUzY2FhZWQ2Nzc5ZTg1YWM0OGJiOjY6Y2YwMTo3YWJkZWYyYTY5NjAwZTQ5YjczNWQwMGY2ZjZmN2RhNzY5MzJjYWJkMmYyNWM5ZTkzODg4NTJlZDc3MmIwZGI1OnA6VDpG" href="https://protect.checkpoint.com/v2/___https:/www.servicesaustralia.gov.au/most-useful-information-for-retirement-years___.YzJ1OndlY29tbXVuaWNhdGlvbnM6YzpvOmMyMDk4YTI2ZGE5OWUzY2FhZWQ2Nzc5ZTg1YWM0OGJiOjY6Y2YwMTo3YWJkZWYyYTY5NjAwZTQ5YjczNWQwMGY2ZjZmN2RhNzY5MzJjYWJkMmYyNWM5ZTkzODg4NTJlZDc3MmIwZGI1OnA6VDpG" data-auth="Verified" data-outlook-id="0b03c4dc-e32a-4f0f-adaf-6d20058cd703">the Services Australia website.</a></p> </div> <p><strong>4. Stay vigilant about financial security</strong></p> <div> <p>There are two reasons to closely track your spending throughout the holiday season: 1. To ensure you stay within budget, and 2. To ensure you don't fall victim to financial scams. The holiday season can be a prime time for financial scams, so be cautious when making purchases online.</p> </div> <p><strong>5. Prepare for post-holiday financial health</strong></p> <div> <p>After the holidays, plan to set aside some money for future expenses or to replenish your savings. A bit of post-holiday planning will help you avoid financial stress in the months ahead - and even get you set up for next Christmas.</p> </div> <p><strong>6. Travel smart: Plan off-peak</strong></p> <div> <p>Travel can be one of the biggest holiday expenses, especially if it coincides with peak Christmas and school holiday periods. Toby recommends traveling outside of these busy times to save money. "Off-peak travel can significantly reduce costs and make your holiday dollar stretch further," he says. Consider planning trips in advance to secure better deals.</p> </div> <div> <p>Planning ahead, managing debt, and reviewing entitlements can help you enjoy the festive season without financial stress. As Toby puts it, "Smart budgeting today helps ensure a more comfortable retirement tomorrow."</p> </div> <div> <p><em><strong>For those seeking personalised advice, NGS Super’s team of financial planners is here to help guide you to a secure and joyful future. Read the <a title="https://protect.checkpoint.com/v2/r01/___https://protect.checkpoint.com/v2/___https:/www.ngssuper.com.au/files/documents/financial-services-guide.pdf___.YzJ1OndlY29tbXVuaWNhdGlvbnM6YzpvOmMyMDk4YTI2ZGE5OWUzY2FhZWQ2Nzc5ZTg1YWM0OGJiOjY6MDk5ZToxNWJlNDQ0ODUwMWZmYzczYmUzZDY5N2NkNWFmY2M4ZTM0M2I5ZDQyNTI5ZGIwNjdjMDUxZDViY2E1YWRmYWFhOnA6VDpGHYPERLINK___.YzJ1OndlY29tbXVuaWNhdGlvbnM6YzpvOmM0OTdjMzdkZjcxOGIxNDQxYjdiMzQxMzA0NTcyMzc4Ojc6ZDgzMDowMTA3N2IxNTZmN2JhZDAzOTM5MDc4ODZjM2Y4NTUzYTkwNWE4ZDAxYmJhMmIxMTc0OWZjNjhmNmM5ODNlNzYyOmg6VDpG" href="https://protect.checkpoint.com/v2/r01/___https://protect.checkpoint.com/v2/___https:/www.ngssuper.com.au/files/documents/financial-services-guide.pdf___.YzJ1OndlY29tbXVuaWNhdGlvbnM6YzpvOmMyMDk4YTI2ZGE5OWUzY2FhZWQ2Nzc5ZTg1YWM0OGJiOjY6MDk5ZToxNWJlNDQ0ODUwMWZmYzczYmUzZDY5N2NkNWFmY2M4ZTM0M2I5ZDQyNTI5ZGIwNjdjMDUxZDViY2E1YWRmYWFhOnA6VDpGHYPERLINK___.YzJ1OndlY29tbXVuaWNhdGlvbnM6YzpvOmM0OTdjMzdkZjcxOGIxNDQxYjdiMzQxMzA0NTcyMzc4Ojc6ZDgzMDowMTA3N2IxNTZmN2JhZDAzOTM5MDc4ODZjM2Y4NTUzYTkwNWE4ZDAxYmJhMmIxMTc0OWZjNjhmNmM5ODNlNzYyOmg6VDpG" data-auth="Verified" data-outlook-id="c4bb4623-ec0a-4e3a-a747-7bf0d2f5659b">NGS Financial Planning Financial Services Guide</a>.</strong></em></p> </div> <div> <p><em><strong>For further information, visit NGS Super’s <a title="https://protect.checkpoint.com/v2/___https:/www.ngssuper.com.au/articles/news/whats-foro-what-can-you-do-about-it___.YzJ1OndlY29tbXVuaWNhdGlvbnM6YzpvOmMyMDk4YTI2ZGE5OWUzY2FhZWQ2Nzc5ZTg1YWM0OGJiOjY6YzlhNDphZGM4Y2Q1YTFlZmQyNjExMGQ4ZDJmYWM3Y2IyOWMxM2FiNjE2MDMwMDc3YjA5ODE5OTY0NjQyYmZkNWE2NGM1OnA6VDpG" href="https://protect.checkpoint.com/v2/___https:/www.ngssuper.com.au/articles/news/whats-foro-what-can-you-do-about-it___.YzJ1OndlY29tbXVuaWNhdGlvbnM6YzpvOmMyMDk4YTI2ZGE5OWUzY2FhZWQ2Nzc5ZTg1YWM0OGJiOjY6YzlhNDphZGM4Y2Q1YTFlZmQyNjExMGQ4ZDJmYWM3Y2IyOWMxM2FiNjE2MDMwMDc3YjA5ODE5OTY0NjQyYmZkNWE2NGM1OnA6VDpG" data-auth="Verified" data-outlook-id="7c65864b-3f33-43bc-9037-cc1e7ca1acc0">website</a>.</strong></em></p> </div> <div> <p><em><strong>Toby Perkins is authorised to provide financial advice in Australia and is an Authorised Representative (Number 1002908) of Guideway Financial Services Pty Ltd, AFSL Number 420367. Any advice given in this article is general and does not consider your financial situation, needs or objectives so consider whether it is appropriate for you. Be sure to read the relevant PDS and TMD </strong><strong>before deciding whether a financial product is right for you.</strong></em></p> <p><em><strong>Image credits: Shutterstock  </strong></em></p> </div> <div> <p> </p> </div>

Travel Tips

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Research reveals how long it takes Aussies to save for a holiday

<p dir="ltr">Saving up for a holiday can seem like an overwhelming task, but some destinations are easier to save for than others. </p> <p dir="ltr">According to new research by <a href="http://money.com.au/">money.com.au</a>, nearly a third of travellers - or 31 percent - need on average a year to save for a trip, while 29 percent of Aussies save for up to six months before jetting off.</p> <p dir="ltr">For 18 percent of travellers, it takes more than a year to save for a trip, while just 13 percent of Aussies manage to save for a holiday in less than three months.</p> <p dir="ltr">On the flip side, 7 percent of eager travellers decide to skip saving altogether and cover their holiday expenses fully on a credit card, while just 2 percent opt for a personal loan to fund their trips. </p> <p dir="ltr">Money.com.au's Finance Expert, Sean Callery said of the survey, "Our research also shows that travel is the one expense Australians aren't willing to forgo, no matter their financial goals or income level."</p> <p dir="ltr">"Going into debt for a holiday brings additional costs and risks. It's important to have a plan for clearing the debt as quickly as possible."</p> <p dir="ltr">With these saving trends in mind, the experts have crunched the numbers to estimate how long it would take the average Aussie to save for a trip to the most popular overseas holiday destinations.</p> <p dir="ltr">The saving time for each location was calculated based on a 10 per cent savings rate of the average weekly earnings of $1,923.40 (from ABS data).</p> <p dir="ltr">Two of the quickest destinations to save for are China and Thailand, while other destinations the experts say you can save for in around half a year include New Zealand, Vietnam and Singapore. </p> <p dir="ltr"><em>Image credits: Shutterstock </em></p>

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Coles launches new AI-powered shopping trolley

<p>Coles is set to become the "first Australian retailer" to introduce AI shopping trolleys, letting shoppers pick, weigh and pay for their groceries without having to visit a checkout.</p> <p>The supermarket giant said its smart trolley uses advanced AI technology, sensors and an in-built scale to scan groceries, including fresh produce, directly into shopping bags.</p> <p>Shoppers can also use an interactive digital screen to identify and locate in-store specials as well as keep track the running total of their shop to help manage their budget and ensure “there are no surprises” when they go to pay. </p> <p>The trolleys are also designed to "streamline the checkout process" as each smart trolley comes with an EFTPOS machine attached.</p> <p>Coles Chief Digital Officer, Ben Hassing, said the introduction of its Smart Trolley showcases Coles’ commitment to delivering value and convenience to customers through innovative digital solutions. </p> <p>“As the first retailer in Australia to introduce AI-powered trolleys, we’re excited to offer our customers a convenient and engaging way to shop in-store, helping them save time, manage their budget and checkout faster – or at their own pace,” Ben said. </p> <p>“The Coles Smart Trolley illustrates our omnichannel approach, leveraging digital capabilities to enrich the in-store experience. </p> <p>“We are committed to testing and learning through innovative solutions to make sure we are delivering on customer needs, increasing convenience, and helping customers discover more value through their shop at Coles.”</p> <p>Coles’ smart trolley was created by New York-based software developers Instacart, which rolled out its AI-powered grocery carts in several supermarkets overseas earlier this year.</p> <p>However, not everyone is onboard with the smart trolleys, as many shoppers said they would "refuse" to use the AI-powered carts, blasting them as “lazy” and expressing fears supermarkets would also store personal data.</p> <p>“I don’t work for them, scan my products and pack my bags, as per your job description,” one raged on Facebook after Instacart launched in US supermarket ShopRite. </p> <p>“Not a chance I will use an AI trolley, I want a human to scan my groceries,” another added.</p> <p>Coles will trial the “all-in-one” shopping device at its Coles Richmond Traders store in Melbourne from January next year.</p> <p>The announcement comes after <a href="https://www.oversixty.com.au/lifestyle/food-wine/woolies-trial-bold-new-scan-as-you-go-trolleys" target="_blank" rel="noopener">Woolworths</a> also announced the launch of "scan as you go" trolleys, although the Woolies carts don't use AI technology to read what is being placed into the trolley, instead enabling shoppers to manually scan each item as they go.</p> <p><em>Image credits: Coles</em></p>

Technology

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Baggage handler calls out crucial mistake at bag-drop

<p dir="ltr">A ramp agent for a major airline has revealed one crucial mistake that many people make when checking their luggage before they fly. </p> <p dir="ltr">Sharing all the details of the little-known trick on a lengthy Reddit thread, the baggage handler, who has years of experience working with American Airlines, noted an extra step that many people miss to ensure the safe arrival of their bags. </p> <p dir="ltr">"Your bag tag has three 'bingo' stickers with your itinerary on them. Take one off and stick it on your suitcase," the airline worker shared.</p> <p dir="ltr">"This way, even if the bag tag gets torn off at some point, we can still get it to its destination."</p> <p dir="ltr">The stickers look like small barcodes at the very end of the long luggage tag and can simply be pulled off and placed anywhere else on the suitcase.</p> <p dir="ltr">It can also be a good idea to keep one of these small tickets with you, whether on your boarding pass (in an area that doesn’t restrict important information), or simply on an old receipt. </p> <p dir="ltr">That way if your luggage unfortunately goes missing, you have the right barcode and number for your bags to be easily located, wherever they may be. </p> <p dir="ltr">Another thing the baggage handler mentions is the location of the luggage tag. </p> <p dir="ltr">While many signs indicate it should be placed around the side handle (if your case has one), the staff member suggests the top handle is better.</p> <p dir="ltr">"Having the tag on the top handle, which is the one that faces outward on the cart, makes it more likely for mistakes to be caught," he points out.</p> <p dir="ltr"><em>Image credits: Shutterstock</em></p>

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Former pilot shares tips for fighting jet lag

<p dir="ltr">A former pilot has shared his fool-proof tips for beating jet lag when you’re flying to the other side of the world. </p> <p dir="ltr">As an ex-airline pilot, Jeremy Burfoot knows a thing or two about dealing with dreaded jet lag. </p> <p dir="ltr">After his years flying Qantas planes to every corner of the globe, Captain Burfoot has revealed to <em><a href="https://travel.nine.com.au/latest/how-to-beat-jet-lag-ex-airline-pilot-shares-hack-for-flights-to-europe/656b0602-9cd2-4923-b3b4-1310a2613235">9Travel</a></em> the unique way he would combat the condition while he was working.  </p> <p dir="ltr">"I used to try and stay in a time zone of where I was living," he told <em>9Travel</em>. "So I went to London, I would just sleep during the day and go out at night."</p> <p dir="ltr">However, for those who need to be up during usual hours, he advised trying to avoid one thing.</p> <p dir="ltr">"The first day you get there, spend all day in the sun, in the daylight," he says. "Resist having an afternoon nap so you're really tired when you go to bed."</p> <p dir="ltr">Captain Burfoot went on to share his hacks for anyone flying from Australia or New Zealand to Europe, which can be some of the most gruelling flight paths in the world. </p> <p dir="ltr">"If I was planning to go to Europe, I would try to split it into two, try to fly both of the days in the daylight," he said.</p> <p dir="ltr">"You'd want to be on a flight to Singapore out of Australia that leaves in the morning, so you're basically doing a daylight flight to Singapore, then you have an overnight, eat some curry or something.”</p> <p dir="ltr">"And the next day catch a daylight flight to Europe. So it doesn't actually feel like you're up in the middle of the night."</p> <p dir="ltr"><em>Image credits: Captain Jeremy Burfoot</em></p>

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Baggage handler reveals the best kind of luggage to travel with

<p dir="ltr">A baggage handler has revealed the best kind of suitcase you should travel with when travelling by plane.</p> <p dir="ltr">With years of experience loading planes with thousands of kinds of suitcases, a ramp agent for American Airlines has spilled the secrets on why some kinds of luggage are better than others. </p> <p dir="ltr">The worker said that while many people may gravitate towards hard-shell suitcases for extra protection, they are not the best for air travel. </p> <p dir="ltr">"Avoid plastic hard shell suitcases," the airline worker revealed on Reddit. "These are incredibly slick and prone to sliding off the bag cart while turning - taking everything on top of it with it."</p> <p dir="ltr">Instead, cloth suitcases have more friction and are "more likely to stay where we put them."</p> <p dir="ltr">He also said these days, four wheels on a suitcase is an absolute must as opposed to ones that glide on just two wheels.</p> <p dir="ltr">"If your bag has four wheels, it can simply be rolled along the floor. If it does not, it will be thrown. We don't try to slam it into anything, but it's still going to drop about 2ft (6m) over the course of its 'flight'," the crew member shared.</p> <p dir="ltr">Another thing to consider when buying your next suitcase is finding one that has handles on the side as it gives baggage handlers "far more control" over the luggage.</p> <p dir="ltr">"It's easier to get a grip with an actual handle than by grabbing a wheel," he added.</p> <p dir="ltr">The worker also said using a big bag for no reason is only going to cause the bag to collapse once it is stacked and cause a "baggage avalanche", with the same going for bags that are not "normally shaped" suitcases.</p> <p dir="ltr"><em>Image credits: Shutterstock</em></p></p>

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Readers response: What’s your top travel tip for staying comfortable on long journeys?

<p>When it comes to a long travel day, getting comfortable can often be a mammoth task. </p> <p>We asked our readers to share their favourite tips and tricks to stay comfy on a long haul flight, car ride or train journey, and the response was overwhelming. Here's what they said.</p> <p><strong>Amy Cardino</strong> - Long-haul journeys (to me longer than 8hrs), you need to save up or upgrade your ticket if you have mileage benefits, into business class. </p> <p><strong>Ester Cibasek</strong> - My own blowup pillow and blanket (long enough to cover my head), noise reducing ear phones and keep my eyes closed so I dose in and out of sleep all the way.</p> <p><strong>Valerie Keily</strong> - A neck pillow is essential and an eye shade. Keep hydrated and remember to move around if possible.</p> <p><strong>Di Richardson</strong> - Memory neck pillow. Recovery sleeves on my calves. One departure drink then limit alcohol or coffee. Window seat and sleep when possible. Bliss.</p> <p><strong>Anita Thornton</strong> - Go business class. </p> <p><strong>Chrissie Martini</strong> - Break the journey by staying overnight in a hotel. Takes longer to get there but you practically eliminate jet lag and the worry of DVTs. On the way to Europe, two overnight stops helps me.</p> <p><strong>Lyn Goodman</strong> - Keep warm and wear loose fitting clothes.</p> <p><strong>June Debono</strong> - Stretch jeans and socks (as well as other clothes of course). Plus, eye shade and ear plugs.</p> <p><strong>Ingrid Plueckhahn</strong> - Take a good book, break up the journey with a fave movie, and just get in the zone and relax. It’s just a day!</p> <p><em>Image credits: Shutterstock </em></p>

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Humanising AI could lead us to dehumanise ourselves

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/raffaele-f-ciriello-1079723">Raffaele F Ciriello</a>, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a> and <a href="https://theconversation.com/profiles/angelina-ying-chen-2230113">Angelina Ying Chen</a>, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a></em></p> <p>Irish writer John Connolly <a href="https://www.goodreads.com/quotes/3147986-the-nature-of-humanity-its-essence-is-to-feel-another-s">once said</a>: "The nature of humanity, its essence, is to feel another’s pain as one’s own, and to act to take that pain away."</p> <p>For most of our history, we believed empathy was a uniquely human trait – a special ability that set us apart from machines and other animals. But this belief is now being challenged.</p> <p>As AI becomes a bigger part of our lives, entering even our most intimate spheres, we’re faced with a philosophical conundrum: could attributing human qualities to AI diminish our own human essence? Our <a href="https://www.researchgate.net/publication/375086411_Feels_Like_Empathy_How_Emotional_AI_Challenges_Human_Essence">research</a> suggests it can.</p> <h2>Digitising companionship</h2> <p>In recent years, AI “companion” apps such as Replika have attracted millions of users. Replika allows users to create custom digital partners to engage in intimate conversations. Members who pay for <a href="https://help.replika.com/hc/en-us/articles/360032500052-What-is-Replika-Pro#:%7E:text=Replika%20Pro%20gives%20you%20access,relationship%20status%20to%20Romantic%20Partner.">Replika Pro</a> can even turn their AI into a “romantic partner”.</p> <p>Physical AI companions aren’t far behind. Companies such as JoyLoveDolls are selling <a href="https://www.joylovedolls.com/collections/sex-robots">interactive sex robots</a> with customisable features including breast size, ethnicity, movement and AI responses such as moaning and flirting.</p> <p>While this is currently a niche market, history suggests today’s digital trends will become tomorrow’s global norms. With about <a href="https://www.statista.com/chart/31243/respondents-who-feel-fairly-or-very-lonely/">one in four</a> adults experiencing loneliness, the demand for AI companions will grow.</p> <h2>The dangers of humanising AI</h2> <p>Humans have long attributed human traits to non-human entities – a tendency known as anthropomorphism. It’s no surprise we’re doing this with AI tools such as ChatGPT, which appear to “think” and “feel”. But why is humanising AI a problem?</p> <p>For one thing, it allows AI companies to exploit our tendency to form attachments with human-like entities. Replika is <a href="https://replika.com">marketed</a> as “the AI companion who cares”. However, to avoid legal issues, the company elsewhere points out Replika isn’t sentient and merely learns through millions of user interactions.</p> <p>Some AI companies overtly <a href="https://www.space.gov.au/news-and-media/akin-assistive-ai-improve-life-space-and-earth">claim</a> their AI assistants have empathy and can even anticipate human needs. Such claims are misleading and can take advantage of people seeking companionship. Users may become <a href="https://theconversation.com/i-tried-the-replika-ai-companion-and-can-see-why-users-are-falling-hard-the-app-raises-serious-ethical-questions-200257">deeply emotionally invested</a> if they believe their AI companion truly understands them.</p> <p>This raises serious ethical concerns. A user <a href="https://www.researchgate.net/publication/374505266_Ethical_Tensions_in_Human-AI_Companionship_A_Dialectical_Inquiry_into_Replika">will hesitate</a> to delete (that is, to “abandon” or “kill”) their AI companion once they’ve ascribed some kind of sentience to it.</p> <p>But what happens when said companion unexpectedly disappears, such as if the user can no longer afford it, or if the company that runs it shuts down? While the companion may not be real, the feelings attached to it are.</p> <h2>Empathy – more than a programmable output</h2> <p>By reducing empathy to a programmable output, do we risk diminishing its true essence? To answer this, let’s first think about what empathy really is.</p> <p>Empathy involves responding to other people with understanding and concern. It’s when you share your friend’s sorrow as they tell you about their heartache, or when you feel joy radiating from someone you care about. It’s a profound experience – rich and beyond simple forms of measurement.</p> <p>A fundamental difference between humans and AI is that humans genuinely feel emotions, while AI can only simulate them. This touches on the <a href="https://www.researchgate.net/publication/375086411_Feels_Like_Empathy_How_Emotional_AI_Challenges_Human_Essence">hard problem of consciousness</a>, which questions how subjective human experiences arise from physical processes in the brain.</p> <p>While AI can simulate understanding, any “empathy” it purports to have is a result of programming that mimics empathetic language patterns. Unfortunately, AI providers have a financial incentive to trick users into growing attached to their seemingly empathetic products.</p> <h2>The dehumanAIsation hypothesis</h2> <p>Our “dehumanAIsation hypothesis” highlights the ethical concerns that come with trying to reduce humans to some basic functions that can be replicated by a machine. The more we humanise AI, the more we risk dehumanising ourselves.</p> <p>For instance, depending on AI for emotional labour could make us less tolerant of the imperfections of real relationships. This could weaken our social bonds and even lead to emotional deskilling. Future generations may become less empathetic – losing their grasp on essential human qualities as emotional skills continue to be commodified and automated.</p> <p>Also, as AI companions become more common, people may use them to replace real human relationships. This would likely increase loneliness and alienation – the very issues these systems claim to help with.</p> <p>AI companies’ collection and analysis of emotional data also poses significant risks, as these data could be used to manipulate users and maximise profit. This would further erode our privacy and autonomy, taking <a href="https://theconversation.com/explainer-what-is-surveillance-capitalism-and-how-does-it-shape-our-economy-119158">surveillance capitalism</a> to the next level.</p> <h2>Holding providers accountable</h2> <p>Regulators need to do more to hold AI providers accountable. AI companies should be honest about what their AI can and can’t do, especially when they risk exploiting users’ emotional vulnerabilities.</p> <p>Exaggerated claims of “genuine empathy” should be made illegal. Companies making such claims should be fined – and repeat offenders shut down.</p> <p>Data privacy policies should also be clear, fair and without hidden terms that allow companies to exploit user-generated content.</p> <p>We must preserve the unique qualities that define the human experience. While AI can enhance certain aspects of life, it can’t – and shouldn’t – replace genuine human connection.<!-- 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/240803/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/raffaele-f-ciriello-1079723">Raffaele F Ciriello</a>, Senior Lecturer in Business Information Systems, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a> and <a href="https://theconversation.com/profiles/angelina-ying-chen-2230113">Angelina Ying Chen</a>, PhD student , <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/humanising-ai-could-lead-us-to-dehumanise-ourselves-240803">original article</a>.</em></p> </div>

Technology

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Readers response: What’s your favourite destination you’ve visited later in life and why?

<p>When it comes to travelling, some destinations are better than others for different points in your life. </p> <p>We asked our readers what their favourite destination they've ever visited later in life is, and the response was overwhelming. Here's what they said. </p> <p><strong>Robin Liersch</strong> - Africa! Not about the big cities but the animals, landscape and people are lovely. Nature at its best.</p> <p><strong>Karen Ambrose</strong> - Sri Lanka. A fabulous tour.</p> <p><strong>Sandra Way</strong> - Switzerland, such a beautiful country.</p> <p><strong>Deb Moore</strong> - Scotland! The highlands. Because of my ancestry, now that I have been there I feel so very drawn back.</p> <p><strong>Wendy Beckhouse</strong> - Cambodia, Angkor Wat is amazing. Beautiful people and great food.</p> <p><strong>Patricia Monro</strong> - Singapore. A beautiful safe country with spectacular scenery everywhere. Our family lived there for a couple of years so our visits were perfect. Simply love Singapore.</p> <p><strong>Christina Hutchings</strong> - Norway. Especially Geirangar. The people and places were fantastic. Would love to go back.</p> <p><strong>Barbara Mules</strong> - Uzbekistan, not at all what I expected. So many beautiful old buildings, good food and lovely people.</p> <p><strong>Elizabeth Jeffreys</strong> - Italy. Love the country, people and food.</p> <p><strong>Helen Dickenson</strong> - Antarctica, the Parthenon and Machu Picchu because I never thought I could physically do it but I’m glad I managed it.</p> <p><strong>Regina Johnson</strong> - South Island, New Zealand. Spectacular.</p> <p><strong>Ian J Wilson</strong> - Japan, without a doubt.</p> <p><strong>Val Goodwin</strong> - Croatia, wonderful place and people.</p> <p><em>Image credits: Shutterstock </em></p> <p> </p>

Travel Tips

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Readers response: What’s the best travel advice you’ve ever received?

<p>When planning a holiday, it's not unlikely to receive travel advice from others who have explored the world. </p> <p>We asked our readers to share the best travel advice they have ever received, and the response was overwhelming. Here's what they said.</p> <p><strong>Liz Mendygral</strong> - You must have travel insurance.</p> <p><strong>Nancy Rogers</strong> - Travel light and clever.</p> <p><strong>Anne Denise Houghton</strong> - If you are in a different country and see something you would really like to do, do it then as tomorrow you may miss the opportunity!</p> <p><strong>Deedee Cullum</strong> - Get off the beaten tourist track and meet the real people.</p> <p><strong>Karen Ambrose</strong> - When crossing the road in busy Vietnam cities, keep walking and the traffic will go around you. DON'T STOP!</p> <p><strong>Fran Cresswell</strong> - Pack what you think you will need then take out half of it!!</p> <p><strong>Bill King</strong> - Respect the customs of the country you are visiting.</p> <p><strong>Lorraine Kirkwood</strong> - Pack a spare set of clothes and Pjs in your cabin luggage. When your suitcases get lost you are ok.</p> <p><strong>Chris Walker</strong> - Go while you can.</p> <p><strong>Terry Dolman </strong>- Book your flight way ahead. Saves mega $$.</p> <p><strong>Denise Sutherland</strong> - Where your passport is concerned NEVER BEHAVE BADLY, save that for your backyard.</p> <p><em>Image credits: Shutterstock</em></p>

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Eight simple changes to our neighbourhoods can help us age well

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/jerome-n-rachele-251972">Jerome N Rachele</a>, <a href="https://theconversation.com/institutions/australian-catholic-university-747">Australian Catholic University</a>; <a href="https://theconversation.com/profiles/james-f-sallis-407885">James F Sallis</a>, <a href="https://theconversation.com/institutions/university-of-california-san-diego-1314">University of California, San Diego</a>, and <a href="https://theconversation.com/profiles/venurs-loh-118864">Venurs Loh</a>, <a href="https://theconversation.com/institutions/australian-catholic-university-747">Australian Catholic University</a></em></p> <p>Where we live can play a big part in ageing well, largely because of the links between physical activity and wellbeing. <a href="https://www.ahuri.edu.au/__data/assets/pdf_file/0012/2181/AHURI_Final_Report_No214_Downsizing-amongst-older-Australians.pdf">Research shows</a> that two-thirds of Australians prefer to age in place. That is, we want to live independently in our homes for as long as we can. Our neighbourhoods and their design can then improve or hinder our ability to get out of the house and be physically active.</p> <p>The rapid ageing of Australia’s population only adds to the importance of neighbourhood design. In 2016, 15% of Australians were aged 65 or older. That proportion is <a href="https://www.aihw.gov.au/reports-statistics/population-groups/older-people/overview">projected to double</a> by 2056.</p> <p>These trends present several <a href="https://www.aihw.gov.au/reports-statistics/population-groups/older-people/reports">social and economic challenges</a>, particularly for the health sector. Designing neighbourhoods in ways that promote physical activity can help overcome these challenges.</p> <h2>Eight simple steps</h2> <p>The following is a short list of <a href="https://ijbnpa.biomedcentral.com/articles/10.1186/s12966-017-0471-5">evidence-based steps</a> local and state governments can take to assist older people to be physically active. These involve minor but effective changes to neighbourhood design.</p> <p><strong>Improve footpaths:</strong> Research indicates that older people have a <a href="https://theconversation.com/why-older-people-get-osteoporosis-and-have-falls-68145">higher risk of falls</a>. Ensuring footpaths are level and crack-free, and free from obstructions, will encourage walking among older people – especially those with a disability.</p> <p><strong>Connected pedestrian networks:</strong> Introducing footpaths at the end of no-through-roads and across long street blocks reduces walking distances to destinations. This makes walking a more viable option.</p> <p><strong>Slowing traffic in high-pedestrian areas:</strong> Slowing traffic <a href="https://www.heartfoundation.org.au/images/uploads/publications/Safe-Speed-Evidence-Report.pdf">improves safety</a> by reducing the risk of a collision. It also reduces the risk of <a href="https://www.ncbi.nlm.nih.gov/pubmed/28557669">death and serious injury</a> in the event of a collision.</p> <p><strong>Age-friendly street crossings:</strong> Installing longer pedestrian crossing light sequences gives older pedestrians <a href="https://academic.oup.com/ageing/article/41/5/690/47318/Most-older-pedestrians-are-unable-to-cross-the">more time to cross</a>, and installing refuge islands means those who walk more slowly can cross the street in two stages.</p> <p><strong>Disabled access at public transport:</strong> Although a form of motorised transport, public transport users undertake more incidental physical activity compared with car users. This is because they walk between transit stops and their origins and destinations. Improving disabled access helps make public transport a viable option for more older people.</p> <p><strong>Places to rest:</strong> <a href="https://bmcpublichealth.biomedcentral.com/articles/10.1186/1471-2458-13-1054">Providing rest spots</a> such as benches enables older people to break up their walk and rest when needed.</p> <p><strong>Planting trees:</strong> Planting trees <a href="http://www.sciencedirect.com/science/article/pii/S0277953614004109?via%3Dihub">creates more pleasant scenery</a> to enjoy on a walk. It also provides shade on hot days.</p> <p><strong>Improving safety:</strong> Ensuring that streets are well-lit and reducing graffiti and signs of decay are likely to <a href="https://www.ncbi.nlm.nih.gov/pubmed/24552845">improve perceptions of safety</a> among older people.</p> <h2>Why physical activity matters</h2> <p>Physical function – the ability to undertake everyday activities such as walking, bathing and climbing stairs – often declines as people age. The reason for this is that ageing is often accompanied by a reduction in muscle strength, flexibility and cardiorespiratory reserves.</p> <p>Regular physical activity can <a href="https://www.ncbi.nlm.nih.gov/pubmed/14552936">prevent or slow the decline</a> in physical function, even among those with existing health conditions.</p> <p>Middle-to-older aged adults can reduce their risk of physical function decline <a href="https://ijbnpa.biomedcentral.com/articles/10.1186/1479-5868-7-38">by 30%</a> with regular physical activity (at least 150 minutes per week). This includes recreational physical activity, like walking the dog, or incidental physical activity, such as walking to the shops or to visit friends.</p> <p>By making minor changes as outlined above, the health and longevity of our elderly population can be extended. Such changes will help our elderly age well in place.</p> <p><em><a href="https://theconversation.com/profiles/jerome-n-rachele-251972">Jerome N Rachele</a>, Research Fellow in Social Epidemiology, Institute for Health and Ageing, <a href="https://theconversation.com/institutions/australian-catholic-university-747">Australian Catholic University</a>; <a href="https://theconversation.com/profiles/james-f-sallis-407885">James F Sallis</a>, Professorial Fellow, Institute for Health and Ageing, Australian Catholic University, and Emeritus Professor, Department of Family Medicine and Public Health, <a href="https://theconversation.com/institutions/university-of-california-san-diego-1314">University of California, San Diego</a>, and <a href="https://theconversation.com/profiles/venurs-loh-118864">Venurs Loh</a>, PhD Candidate, Institute for Health and Ageing, <a href="https://theconversation.com/institutions/australian-catholic-university-747">Australian Catholic University</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/eight-simple-changes-to-our-neighbourhoods-can-help-us-age-well-83962">original article</a>.</em></p> </div>

Travel Tips

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Expert shares best destinations for solo female travellers

<p dir="ltr">At 63 years old, Christina Ford is a seasoned traveller, with most of her travels being done alone. </p> <p dir="ltr">After exploring dozens of countries with just her own company, Ford has shared her tips on where to go and how to stay safe for other women who are contemplating seeing the world by themselves. </p> <p dir="ltr">When asked for her favourite destinations for solo female travellers, Ford told <em><a href="https://www.dailymail.co.uk/travel/article-13865159/solo-travel-tips-women-best-countries-italy-canada.html">MailOnline</a></em> that there are two places she will also recommend. </p> <p dir="ltr">She said, “I am a huge fan of Italy and have travelled there extensively. My favourite solo place is Cinque Terre, five ancient fishing villages connected by sea, train or hiking. It's the perfect combination of healthy living, gorgeous vistas and fabulous food.”</p> <p dir="ltr">Christina also recommends her home country of Canada as “great for solo travellers”, explaining, “If you prefer something more urban, Toronto is a fantastic choice. Often described as New York run by the Swiss, it’s a great food town with safe and clean public transit. As a solo traveller, it’s easy to get a single ticket for a Broadway-style show.” </p> <p dir="ltr">“Canada is generally a safe country filled with friendly people who will gladly point you in the right direction - and probably apologise if you get lost. But part of the fun and growth of travelling is allowing yourself to get lost!”</p> <p dir="ltr">Christina went on to emphasise that “safety is crucial” for solo women travellers, and recommended to always carry a phone charger as “you never know where the day could take you” and sharing your live location with a friend or family member can provide peace of mind. </p> <p dir="ltr">She also always pins her hotel's location on Google Maps and advises “using your common sense” around “sketchy areas”, and also recommends not travelling anywhere without travel insurance. </p> <p dir="ltr">After falling in love with travelling solo, Christina wants to share how valuable travelling alone is, and urges women not to be dissuaded by seeing the world if you don’t have a companion. </p> <p dir="ltr">She said, “There are so many fabulous things about travelling solo. You’re on your own schedule, doing what you want to do. Your time is your own, and you can pivot at any moment.”</p> <p dir="ltr">“And you meet new people. Far more than if you were travelling with someone. Plus, you learn how capable you are. I’ve learned more about myself travelling alone than at almost any other time - it’s amazing discovering what great company you are!”</p> <p dir="ltr"><em>Image credits: Instagram </em></p>

Travel Tips

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The science of happier dogs: 5 tips to help your canine friends live their best life

<div class="theconversation-article-body"> <p><em><a href="https://theconversation.com/profiles/mia-cobb-15211">Mia Cobb</a>, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a></em></p> <p>When you hear about “science focused on how dogs can live their best lives with us” it sounds like an imaginary job made up by a child. However, the field of <a href="https://www.rnz.co.nz/podcast/ourchangingworld?share=2ec8e0ad-5008-4b2d-ae2e-a288e2a77f50">animal welfare science is real</a> and influential.</p> <p>As our most popular animal companion and coworker, dogs are very deserving of scientific attention. In recent years we’ve learned more about <a href="https://theconversation.com/dogs-can-get-dementia-but-lots-of-walks-may-lower-the-risk-189297">how dogs are similar to people</a>, but also how they are distinctly themselves.</p> <p>We often think about how dogs help us – as companions, <a href="https://theconversation.com/meet-moss-the-detection-dog-helping-tassie-devils-find-love-142909">working as detectors</a>, and keeping us <a href="https://theconversation.com/is-owning-a-dog-good-for-your-health-238888">safe and healthy</a>. Dog-centric science helps us <a href="https://www.frontiersin.org/journals/veterinary-science/articles/10.3389/fvets.2021.666898/full">think about the world from a four-paw perspective</a> and apply this new knowledge so dogs can enjoy a good life.</p> <p>Here are five tips to keep the tails in your life wagging happily.</p> <h2>1. Let dogs sniff</h2> <p>Sniffing <a href="https://www.psychologytoday.com/intl/blog/animal-emotions/201902/allowing-dogs-sniff-helps-them-think-positively">makes dogs happier</a>. We tend to forget they live in a smell-based world because we’re so visual. Often taking the dog for a walk is our daily physical activity but we should remember it could be our dogs’ only time out of the home environment.</p> <p>Letting them have a really good sniff of that tree or post is full of satisfying information for them. It’s their nose’s equivalent of us standing at the top of a mountain and enjoying a rich, colour-soaked, sunset view.</p> <h2>2. Give dogs agency</h2> <p>Agency is a <a href="https://www.frontiersin.org/journals/veterinary-science/articles/10.3389/fvets.2023.1284869/full">hot topic in animal welfare science</a> right now. For people who lived through the frustration of strict lockdowns in the early years of COVID, it’s easy to remember how not being able to go where we wanted, or see who we wanted, when we wanted, impacted our mental health.</p> <p>We’ve now learned that <a href="https://www.frontiersin.org/journals/veterinary-science/articles/10.3389/fvets.2023.1250251/full">giving animals choice and control</a> in their lives is important for their mental wellbeing too. We can help our dogs enjoy better welfare by creating more choices and offering them control to exercise their agency.</p> <p>This might be installing a doggy door so they can go outside or inside when they like. It could be letting them decide which sniffy path to take through your local park. Perhaps it’s choosing which three toys to play with that day from a larger collection that gets rotated around. Maybe it’s putting an old blanket down in a new location where you’ve noticed the sun hits the floor for them to relax on.</p> <p>Providing choices doesn’t have to be complicated or expensive.</p> <h2>3. Recognise all dogs are individuals</h2> <p>People commonly ascribe certain personality traits to certain dog breeds. But just like us, dogs have their own personalities <a href="https://scitechdaily.com/food-vs-toys-scientists-reveal-what-dogs-truly-prefer/">and preferences</a>. Not all dogs are going to like the same things and a new dog we live with may be completely different to the last one.</p> <p>One dog might like to go to the dog park and run around with other dogs at high speed for an hour, while another dog would much rather hang out with you chewing on something in the garden.</p> <p>We can see as much <a href="https://www.science.org/content/article/your-dog-s-breed-doesn-t-determine-its-personality-study-suggests">behavioural variation within breeds as we do between them</a>. Being prepared to meet dogs where they are, as individuals, is important to their welfare.</p> <p>As well as noticing what dogs like to do as individuals, it’s important not to force dogs into situations they don’t enjoy. <a href="https://www.rspca.org.uk/adviceandwelfare/pets/dogs/behaviour/understanding">Pay attention to behaviour</a> that indicates dogs aren’t comfortable, such as looking away, licking their lips or yawning.</p> <h2>4. Respect dogs’ choice to opt out</h2> <p>Even in our homes, we can provide options if our dogs don’t want to share in every activity with us. Having a quiet place that dogs can retreat to is really important in enabling them to opt out if they want to.</p> <p>If you’re watching television loudly, it may be too much for <a href="https://www.psychologytoday.com/au/blog/canine-corner/202407/how-good-is-a-dogs-hearing-compared-to-humans">their sensitive ears</a>. Ensure a door is open to another room so they can retreat. Some dogs might feel overwhelmed when visitors come over; giving them somewhere safe and quiet to go rather than forcing an interaction will help them cope.</p> <p>Dogs can be terrific role models for children when teaching empathy. We can demonstrate consent by letting dogs approach us for pats and depart when they want. Like seeing exotic animals perform in circuses, dressing up dogs for our own entertainment seems to have had its day. If you asked most dogs, they don’t want to wear costumes or be part of your Halloween adventures.</p> <h2>5. Opportunities for off-lead activity – safely.</h2> <p>When dogs are allowed to run off-lead, they use space differently. They tend to explore more widely and go faster than they do when walking with us on-lead. This offers them important and fun physical activity to keep them fit and healthy.</p> <figure><iframe src="https://www.youtube.com/embed/2AchEFiDwA8?wmode=transparent&amp;start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe><figcaption><span class="caption">Demonstrating how dogs walk differently when on- and off-lead.</span></figcaption></figure> <p>A recent exploration of <a href="https://pursuit.unimelb.edu.au/articles/we-checked-if-melbourne-really-is-a-dog-friendly-city">how liveable cities are for dogs</a> mapped all the designated areas for dogs to run off-leash. Doggy density ranged from one dog for every six people to one dog for every 30 people, depending on where you live.</p> <p>It also considered how access to these areas related to the annual registration fees for dogs in each government area compared, with surprising differences noted across greater Melbourne. We noted fees varied between A$37 and $84, and these didn’t relate to how many off-lead areas you could access.</p> <p>For dog-loving nations, such as Australia, helping our canine friends live their best life feels good. <a href="https://www.rnz.co.nz/national/programmes/afternoons/audio/2018957756/our-changing-world-the-science-behind-dog-welfare">Science that comes from a four-paw perspective</a> can help us reconsider our everyday interactions with dogs and influence positive changes so we can live well, together.<!-- 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/236952/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/mia-cobb-15211">Mia Cobb</a>, Research Fellow, Animal Welfare Science Centre, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</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/the-science-of-happier-dogs-5-tips-to-help-your-canine-friends-live-their-best-life-236952">original article</a>.</em></p> </div>

Family & Pets

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5 ways to reduce everyday bills

<p>It’s not uncommon to get to the end of the month and be surprised by a figure in your bills. But this surprise needn’t be unpleasant. There is wide a range of simple measures you can employ to reduce your monthly bills without too much effort. Follow these five simple tips and save money.</p> <p><strong>1. Food and groceries</strong></p> <p>Food can be a problem area in the average Australian’s budget, either because we’re physically eating too much, eating out too much or spending too much money on groceries. But that doesn’t mean you have to transition to a Spartan diet. Here’s how you can save on your grocery bill:</p> <ul> <li>Reduce the amount of times you’re eating out or getting takeout a week</li> <li>Use a shopping list and coupons, pay for groceries (this means you’re less likely to splurge on items that you don’t need) and buy more non-perishable foods to store and save</li> <li>Consider starting a garden and grow your own fruit and veggies</li> </ul> <p><strong>2. Energy</strong></p> <p>Many people have found their energy bills have been increasingly steady over the past through years, but this doesn’t mean you have to be part of that trend. With a little bit of ingenuity and not a lot of fuss you can make your house energy efficient and enjoy huge power bill savings:</p> <ul> <li>Switch to energy-efficient light bulbs. In many cases these bulbs do cost more than traditional bulbs, but they use much less energy and can last up to 10 times longer</li> <li>Unplug unused electrical devices that are draining electricity</li> <li>Make sure you home is airtight to prevent cold drafts in winter and the loss of cool air in summer. This will also reduce your heating/cooling bills accordingly</li> </ul> <p><strong>3. Cars</strong></p> <p>As fuel, registration and maintenance costs start to pile up, a car can seem less like a convenience and more like a money pit rolling around on four wheels. That being said, there is a range of ways you can enjoy the access vehicle ownerships provides, without having to pay through your nose:</p> <ul> <li>Underinflated tyres reduces the value of your cars fuel economy significantly, so make sure you take a couple of minutes to check the air pressure and reinflate once a month</li> <li>Consider selling a vehicle if you’re not using it often. Without taking the cost of parking and toll roads into account driving vehicles costs thousands of dollars a year</li> <li>Use more public transport and consider setting up car pools with friends/colleagues</li> </ul> <p><strong>4. Grooming and beauty  </strong></p> <p>Looking and feeling great is important, but it doesn’t necessarily have to be a hugely expensive ordeal. With a little bit of ingenuity, creativity and willingness to not spend $10,000 on that jewel encrusted headdress you can still be the belle/male-belle of the ball without breaking the bank:</p> <ul> <li>Reduce the amount of money you spend on clothing by keeping your eye on sales</li> <li>Consider lower cost alternatives to your favourite beauty products</li> <li>Cut back on the amount of times you have your hair cut and styled</li> </ul> <p><strong>5. Additional entertainment expenses</strong></p> <p>Your deluxe gym membership might give you access to the power lifting body attack class, but are you really getting the full value for it and the other regular entertainment expenses you’ve signed up for? There are still ways to stay entertained without having to break the bank every week.</p> <ul> <li>Consider cancelling club memberships for places you don’t visit often</li> <li>Investigate free events and inexpensive entertainment ideas like cheap movies Tuesdays</li> <li>Magazine and newspaper subscriptions can also become expensive if you’re not actually reading the papers, as well as pay television services that can be easily eliminated</li> </ul> <p><em>Image credits: Shutterstock</em></p>

Money & Banking

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