Placeholder Content Image

Climb the stairs, lug the shopping, chase the kids. Incidental vigorous activity linked to lower cancer risks

<p><em><a href="https://theconversation.com/profiles/emmanuel-stamatakis-161783">Emmanuel Stamatakis</a>, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a> and <a href="https://theconversation.com/profiles/matthew-ahmadi-1241767">Matthew Ahmadi</a>, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a></em></p> <p>Many people know exercise reduces the risk of <a href="https://jamanetwork.com/journals/jamainternalmedicine/fullarticle/2521826">cancers</a>, including liver, lung, breast and kidney. But structured exercise is time-consuming, requires significant commitment and often financial outlay or travel to a gym. These practicalities can make it infeasible for <a href="https://bjsm.bmj.com/content/42/11/901">most adults</a>.</p> <p>There is <a href="https://www.nature.com/articles/s41591-022-02100-x">very little research</a> on the potential of incidental physical activity for reducing the risk of cancer. Incidental activities can include doing errands on foot, work-related activity or housework as part of daily routines. As such they do not require an extra time commitment, special equipment or any particular practical arrangements.</p> <p>In our <a href="https://jamanetwork.com/journals/jamaoncology/fullarticle/2807734">study</a> out today, we explored the health potential of brief bursts of vigorous physical activities embedded into daily life. These could be short power walks to get to the bus or tram stop, stair climbing, carrying heavy shopping, active housework or energetic play with children.</p> <h2>How was the study done?</h2> <p>Our <a href="https://jamanetwork.com/journals/jamaoncology/fullarticle/2807734">new study</a> included 22,398 <a href="https://www.ukbiobank.ac.uk/">UK Biobank</a> participants who had never been diagnosed with cancer before and did not do any structured exercise in their leisure time. Around 55% of participants were female, with an average age of 62. Participants wore wrist activity trackers for a week. Such trackers monitor activity levels continuously and with a high level of detail throughout the day, allowing us to calculate how hard and exactly for how long people in the study were moving.</p> <p>Participants’ activity and other information was then linked to future cancer registrations and other cancer-related health records for the next 6.7 years. This meant we could estimate the overall risk of cancer by different levels of what we call “<a href="https://pubmed.ncbi.nlm.nih.gov/33108651/">vigorous intermittent lifestyle physical activity</a>”, the incidental bursts of activity in everyday life. We also analysed separately a group of <a href="https://jamanetwork.com/journals/jamainternalmedicine/fullarticle/2521826">13 cancer sites in the body</a> with more established links to exercise, such such as breast, lung, liver, and bowel cancers.</p> <p>Our analyses took into account other factors that influence cancer risk, such as age, smoking, diet, and alcohol habits.</p> <h2>What we found out</h2> <p>Even though study participants were not doing any structured exercise, about 94% recorded short bursts of <a href="https://pubmed.ncbi.nlm.nih.gov/33108651/">vigorous activity</a>. Some 92% of all bouts were done in very short bursts lasting up to one minute.</p> <p>A minimum of around 3.5 minutes each day was associated with a 17–18% reduction in total cancer risk compared with not doing any such activity.</p> <p>Half the participants did at least 4.5 minutes a day, associated with a 20–21% reduction in total cancer risk.</p> <p>For cancers such as breast, lung and bowel cancers, which we know are impacted by the amount of exercise people do, the results were stronger and the risk reduction sharper. For example, a minimum of 3.5 minutes per a day of vigorous incidental activity reduced the risk of these cancers by 28–29%. At 4.5 minutes a day, these risks were reduced by 31–32%.</p> <p>For both total cancer and those known to be linked to exercise, the results clearly show the benefits of doing day-to-day activities with gusto that makes you huff and puff.</p> <h2>Our study had its limits</h2> <p>The study is observational, meaning we looked at a group of people and their outcomes retrospectively and did not test new interventions. That means it cannot directly explore cause and effect with certainty.</p> <p>However, we took several statistical measures to minimise the possibility those with the lowest levels of activity were not the unhealthiest, and hence the most likely to get cancer – a phenomenon called “<a href="https://www.sciencedirect.com/topics/computer-science/reverse-causation">reverse causation</a>”.</p> <p>Our study can’t explain the biological mechanisms of how vigorous intensity activity may reduce cancer risk. Previous <a href="https://journals.lww.com/acsm-msse/Fulltext/2017/02000/Brief_Intense_Stair_Climbing_Improves.10.aspx">early-stage trials</a> show this type of activity leads to rapid improvements in heart and lung fitness.</p> <p>And higher fitness is linked to lower <a href="https://www.sciencedirect.com/science/article/abs/pii/S0002934320300097">insulin resistance</a> and lower <a href="https://www.sciencedirect.com/science/article/pii/S0735109704017036">chronic inflammation</a>. High levels of these are risk <a href="https://www.sciencedirect.com/science/article/pii/S0735109704017036">factors for cancer</a>.</p> <p>There is very little research on incidental physical activity and cancer in general, because most of the scientific evidence on lifestyle health behaviours and cancer is based on questionnaires. This method doesn’t capture short bursts of activity and is very inaccurate for measuring the incidental activities of daily life.</p> <p>So the field of vigorous intensity activity and cancer risk is at its infancy, despite some <a href="https://academic.oup.com/eurheartj/article/43/46/4801/6771381">very promising</a> recent findings that vigorous activity in short bouts across the week could cut health risks. In another recent study of ours, we found benefits from daily <a href="https://www.nature.com/articles/s41591-022-02100-x%22%22">vigorous intermittent lifestyle activity</a> on the risk of death overall and death from cancer or cardiovascular causes.</p> <h2>In a nutshell: get moving in your daily routine</h2> <p>Our study found 3 to 4 minutes of vigorous incidental activity each day is linked with decreased cancer risk. This is a very small amount of activity compared to <a href="https://bjsm.bmj.com/content/54/24/1451">current recommendations</a> of 150–300 minutes of moderate intensity or 75–150 minutes of vigorous intensity activity a week.</p> <p>Vigorous incidental physical activity is a promising avenue for cancer prevention among people unable or unmotivated to exercise in their leisure time.</p> <p>Our study also highlights the potential of technology. These results are just a glimpse how wearables combined with machine learning – which our study used to identify brief bursts of vigorous activity – can reveal health benefits of unexplored aspects of our lives. The future potential impact of such technologies to prevent cancer and possibly a <a href="https://www.nature.com/articles/s41591-022-02100-x">host of other</a> conditions could be very large.<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/210288/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><a href="https://theconversation.com/profiles/emmanuel-stamatakis-161783"><em>Emmanuel Stamatakis</em></a><em>, Professor of Physical Activity, Lifestyle, and Population Health, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a> and <a href="https://theconversation.com/profiles/matthew-ahmadi-1241767">Matthew Ahmadi</a>, Postdoctoral Research Fellow, <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/climb-the-stairs-lug-the-shopping-chase-the-kids-incidental-vigorous-activity-linked-to-lower-cancer-risks-210288">original article</a>.</em></p>

Body

Placeholder Content Image

Would you climb a 47-metre tower for a free car lease? In Norway, you can

<p><span style="font-weight: 400;">At 47 metres high, the tallest free-standing climbing tower in the world has opened in Norway, and car company Ford’s new campaign has brought it additional attention.</span></p> <p><span style="font-weight: 400;">After opening in June this year, professional climbers were invited to try and reach the top of the tower, with the fastest climber taking home a free two-year lease on a Ford Explorer PHEV.</span></p> <p><span style="font-weight: 400;">The company even crane-lifted their newest model onto the top of the tower, sitting on top of a special platform that supports the weight of the plug-in hybrid car.</span></p> <blockquote style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" class="instagram-media" data-instgrm-captioned="" data-instgrm-permalink="https://www.instagram.com/p/CR8cy0XgSIy/?utm_source=ig_embed&amp;utm_campaign=loading" data-instgrm-version="13"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"></div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"></div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"></div> </div> </div> <div style="padding: 19% 0;"></div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"></div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" rel="noopener" href="https://www.instagram.com/p/CR8cy0XgSIy/?utm_source=ig_embed&amp;utm_campaign=loading" target="_blank">A post shared by Ford Norge (@fordnorge)</a></p> </div> </blockquote> <p><span style="font-weight: 400;">Ford’s Explore New Heights challenge saw 14 climbers compete after successfully completing a qualifying test.</span></p> <p><span style="font-weight: 400;">Sharing the footage to their Instagram page, Ford eventually found a winner.</span></p> <p><span style="font-weight: 400;">In the clip, many of the climbers can be seen losing their grip and combating the jumps and obstacles designed by champion climber Martin Mobråten.</span></p> <blockquote style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" class="instagram-media" data-instgrm-captioned="" data-instgrm-permalink="https://www.instagram.com/p/CSG0pIUAPUZ/?utm_source=ig_embed&amp;utm_campaign=loading" data-instgrm-version="13"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"></div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"></div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"></div> </div> </div> <div style="padding: 19% 0;"></div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"></div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" rel="noopener" href="https://www.instagram.com/p/CSG0pIUAPUZ/?utm_source=ig_embed&amp;utm_campaign=loading" target="_blank">A post shared by Ford Norge (@fordnorge)</a></p> </div> </blockquote> <p><span style="font-weight: 400;">Eventually, Leo Ketil B</span><span style="font-weight: 400;">ø</span><span style="font-weight: 400;">e, 21, managed to score the free lease with a time of three minutes and 33 seconds.</span></p> <p><span style="font-weight: 400;">Any who made it to the top alongside Leo were rewarded with breathtaking views across the Skagerrak, a strait running between Norway, Sweden, and Denmark.</span></p> <p><em><span style="font-weight: 400;">Image: Visit Norway</span></em></p>

International Travel

Placeholder Content Image

Climbing England’s deadliest peak

<p><span style="font-weight: 400;">Though most consider hiking a popular pastime, it forms the core part of one of the strangest jobs in all of Britain.</span></p> <p><span style="font-weight: 400;">Zac Poulton is a Fell Top Assessor in the Lake District National Park. Everyday of the past four winters, Poulton has hiked up Helvellyn, England’s third highest and most dangerous mountain, to report the weather and write a colourful account that can be used, understood, and acted on by the public so they can climb safely.</span></p> <p><span style="font-weight: 400;">Poulton isn’t the only one with the odd title. Colleagues Jon Bennett - who has submitted Helvellyn more than 600 times - and Wes Hunter - who started the job just before the coronavirus pandemic in October 2019 - also take on the climb.</span></p> <p><span style="font-weight: 400;">Each day from early December through til late April, at least one of the trio must reach the 950m summit.</span></p> <p><span style="font-weight: 400;">There has been a Fell Top Assessor making the hike since the first role was first introduced in 1987, and Poulton, Bennett, and Hunter have spent 126 consecutive days reaching the top in all manner of weather this year.</span></p> <p><span style="font-weight: 400;">With the potential for blasting winds and summit temperatures of -7C, Poulton said: “Some days are better than others.”</span></p> <p><span style="font-weight: 400;">Though Helvellyn is more commonly hiked during summer, it looks its best in the colder months. With three deep glacial coves, two incisor-shaped ridges, and alpine plants that don’t grow anywhere else in the country, it’s a sight to see.</span></p> <p><span style="font-weight: 400;">Helvellyn also poses many of the similar dangers its more famous counterparts in the Alps, Andes or Himalayas do too, according to Poulton.</span></p> <p><span style="font-weight: 400;">“People get lost. Break bones. Get caught in avalanches. You won’t slide as far as you would on Everest here, but you’ll still bump off rocks and the result will be the same,” he said. “I meet lots of people with good intentions, but they don’t often recognise the risks.”</span></p> <p><span style="font-weight: 400;">Once they’ve reached the peak, the assessor produces a report with as much detail as possible, which will be published daily on the official Lake District Weather Line website and to 19,000 social media followers.</span></p> <p><span style="font-weight: 400;">Alongside meteorological notes, the reports often provide potential climbers with tips on how to best approach the mountain.</span></p> <p><span style="font-weight: 400;">“What you can’t get from a weather station forecast is the experience of the mountaineer,” Poulton said. “A fully-automated system misses the human perspective. And our photos, tweets and descriptions create a 360-degree picture. We tell the wider story of life on the mountain.”</span></p> <p><span style="font-weight: 400;">Their presence on the mountain also means they can help out when things go wrong.</span></p> <p><span style="font-weight: 400;">“We’ve prevented hundreds of mountain rescues,” said Poulton.</span></p> <p><strong>Bridging a knowledge gap</strong></p> <p><span style="font-weight: 400;">And, with more people attempting the mountain following pandemic-induced lockdowns, the knowledge held by the Fell Top Assessors is more crucial than ever.</span></p> <p><span style="font-weight: 400;">“We know how important the Lake District is going to be in the coming months to help with people’s health and wellbeing,” said Richard Leafe, chief executive of the Lake District National Park Authority. “Our message is whether coming for the first or 50th time, is plan ahead; try to discover something that’s new to you; and enjoy your time here, but please leave no trace.”</span></p> <p><em><span style="font-weight: 400;">Image: Fell Top Assessors</span></em></p>

International Travel

Placeholder Content Image

The mountain no one can climb

<p><span style="font-weight: 400;">For a country where mountain tourism has thrived, there is one mountain in Nepal where climbing is forbidden.</span></p> <p><span style="font-weight: 400;">Machhapuchhre - meaning “fishtail” - stands at 6,993m in the Annapurna range in central Nepal that is home to three of the world’s 10 highest mountains.</span></p> <p><span style="font-weight: 400;">Though it doesn’t stand as tall as other mountains, it stands out as a lone peak and appears much taller than it actually is.</span></p> <p><span style="font-weight: 400;">Machhapuchhare also has a double summit, which is joined by a sharp ridge, and towers over the Phewa Lake.</span></p> <p><span style="font-weight: 400;">The closest curious tourists can get to the peak is the summit of Mardi Himal, a smaller mountain beneath Machhapuchhare.</span></p> <p><span style="font-weight: 400;">The reason behind it’s prohibited climbing status: Lieutenant Colonel James Owen Merion Roberts.</span></p> <p><span style="font-weight: 400;">Jimmy Roberts, as he was popularly known, was a British Army officer and the first military attach</span><span style="font-weight: 400;">é to Nepal. He made significant contributions to Nepal’s economy and local livelihoods after helping open up the country’s remote mountains for commercial mountaineering and trekking.</span></p> <p><span style="font-weight: 400;">Roberts has since been remembered as the “father of trekking” in Nepal.</span></p> <p><span style="font-weight: 400;">His fascination with Machhapuchhare began after he read a dispatch from another army officer, and he would eventually become the first and only person to attempt to reach the summit.</span></p> <p><span style="font-weight: 400;">But, his expedition party, reduced to just two people by the end, abandoned the ascent just 45m below the summit due to bad weather.</span></p> <p><span style="font-weight: 400;">Following the failed climb, Roberts requested the Nepal government restrict the peak and ensure Machhapuchhare would never be climbed.</span></p> <p><span style="font-weight: 400;">They obliged.</span></p> <p><span style="font-weight: 400;">Roberts’ fascination with the mountain and his kinship with Gurungs, who hold Machhapuchhare sacred, and with the people of Chomrong, the last Gurung village before the mountain, may have been the motivation behind his odd request.</span></p> <p><span style="font-weight: 400;">Though the reason remains a mystery and Roberts’ association with the peak’s prohibited status has been largely forgotten, the prevailing view now is that the mountain is sacred and therefore forbidden to climb.</span></p> <p><span style="font-weight: 400;">“Machhapuchhare’s summit is not meant to be stepped upon; it is only to be adored by the eyes,” said Tirtha Shrestha, a poet and long-time resident of nearby Pokhara.</span></p> <p><span style="font-weight: 400;">“Any discourse, not just on Pokhara, but about the beauty of the entire Himalayas, would be incomplete without mentioning Machhapuchhare. Its beauty has greatly moved poets, authors and artists. In many folk songs, the mountain has been showered with praises. Machhapuchhare, for us, is the epitome of beauty,” he said.</span></p> <p><em><span style="font-weight: 400;">Image: MountainKick / Instagram</span></em></p>

International Travel

Placeholder Content Image

Boy climbs UK's tallest mountain after being told he’d never walking again

<p><span>A seven-year-old boy with cerebral palsy has overcome huge adversity after climbing Britain’s tallest mountain for charity, even though his parents were told he’d never walk again. </span><br /><br /><span>Caeden Thomson, from Corby, Northamptonshire, was born 12 weeks premature, and has undergone intense physiotherapy to walk again. </span><br /><br /><span>Despite doctors' claims that he would never properly take his first steps, Caeden nor his family gave up. </span><br /><br /><span>On his JustGiving page, his mother Lisa said he wanted to be able to "give something back", because "he was so lucky for all the things he has had in his life".</span><br /><br /><span>At just seven, he hiked the 1,345 metres to the top of Ben Nevis in the Highlands on Saturday, and managed to raise more than £8,000 for his local NHS trust and disability equality charity, Scope.</span><br /><br /><span>The group began to make their way up the massive mountain at 9am. </span><br /><br /><span>Together, they would reach the summit at 5.30pm, before returning to the bottom five hours later.</span><br /><br /><span>Caeden said: "My body hurts a lot but I'm OK. It was really, really hard.</span><br /><br /><span>"I felt sick and exhausted at the top, and I felt exhausted but happy at the bottom!"</span><br /><br /><span>His mum says her son is "an absolute legend". </span><br /><br /><span>To say it was a “massive challenge” was an understatement for the group, who said it was “much, much harder than any of us expected".</span><br /><br /><span>She said: "There were many hard times along the way. From three-quarters of the way up, the pathway is just massive boulders and very hard to climb, and even at the top we didn't think he would make it down.</span><br /><br /><span>"There were danger areas where carrying was very difficult, so Caeden did have to walk down a lot of it too.</span><br /><br /><span>"The temperature dropped hugely and many climbers said they were turning back. But we made it!</span><br /><br /><span>"We are all super-proud of him, he deserves a medal.</span><br /><br /><span>"Last night no-one could move or celebrate, so today we are resting up and will celebrate tonight.</span><br /><br /><span>"We all love Caeden so much and can't believe his passion for getting to the top."</span></p>

Caring

Placeholder Content Image

“You are shooting yourself in the foot”: Tourists baffled over Uluru climb ban

<p>While some tourists from all over the world are rushing to climb Uluru before it is banned on Saturday, some are questioning why local traditional Indigenous Australians called for a ban in the first place. </p> <p>Ayers Rock Resort has been jam packed for most of 2019 meaning nearly 5,000 people are trying to get a chance to climb Uluru before it is too late. </p> <p>Some Australian tourists have gone to extreme measures and camped illegally on private land around Uluru during school holidays, because the resort's campground has been full.</p> <p>The Uluru-Kata Tjuta National Park board made the decision to impose an official ban from October 26 to pay respect and recognition to the rock’s cultural significance to the Anangu people. </p> <p>Melbourne tourist Stefan Gangur, 51 told<span> </span><a rel="noopener" href="https://www.yahoo.com/author/australian-associated-press-562" target="_blank"><em>AAP</em><span> </span></a>he opposes the ban because it is a vital source of income for the community. </p> <p>"What are people doing out here? It is part of the economy and how it runs out here" he said.</p> <p>"You are shooting yourself in the foot, as long as everyone respects it, it is okay.</p> <p>"It is no secret a percentage of the money from the national park passes goes back to the Aboriginal people."</p> <p>The controversial ban of one of Australia’s most prolific and well known landmarks has prompted warnings that Uluru faces an uncertain future. </p> <p>A chain was built on the steep of the western face of Ayers Rock in 1964 and will be dismantled from October 28. </p> <p>The National Park’s general manager Mike Misso told AAP Uluru will become a better destination for tourists as more Anangu people will be working and benefitting from it. </p> <p>"The dominant reason for the UNESCO World Heritage listing was the living cultural landscape of nature and culture intertwined through traditions over thousands of years," he told<span> </span><em><a rel="noopener" href="https://www.yahoo.com/author/australian-associated-press-562" target="_blank">AAP.</a></em></p> <p>"The closure of the climb enhances the park's world heritage values. It's in conflict if you have got inappropriate visitor activity,”Grant Hunt, chief executive at the resort’s operators Voyages Indigenous Tourism Australia said. </p> <p>"For every tourist destination, you have to reinvent yourself, if you just offer the same people go elsewhere.”</p> <p>Mr Hunt says there is far more to Uluru than the climb, with more than 100 tours and experiences for tourists to experience - from riding mountain bikes, to Aboriginal cultural tours, helicopters and skydiving. </p> <p>“The travelling public have become much more culturally mature than they were 20 years ago,” Mr Hunt said.</p> <p> “I think most people expect this and in fact want it to happen.</p> <p>“There’s a minority who still don’t of course and you always get that with any decision but certainly our research and feedback says about 80 per cent of people are supportive of the climb closing.”</p>

Travel Trouble

Placeholder Content Image

How to help your children climb the property ladder

<p>For all first-time home buyers, the process can be extremely difficult. Saving a deposit on even a modest income can be an uphill battle, not to mention the insecurity of property prices inflating and declining rapidly, which makes bank loan lending criteria even harder to obtain.</p> <p>Many parents may have every intention to help their children buy their first home in today’s unstable climate – but what is the best way to help financially?</p> <p><strong>Co-ownership </strong></p> <p>Considering becoming a co-owner in a property with your child may help protect your money and provide a little more ease of mind knowing you have shares in such an expensive investment.</p> <p>If you decide to co-own a home with your child, your name will be registered on the property title – meaning selling or mortgaging the home is not possible without your permission or knowledge.</p> <p>Co-ownership also allows you to trust that your money is in a secure investment as you can also share capital gains and even sign a Property Sharing Agreement with your child to flesh out who pays who, who gets to live in the home, what happens when property is sold and what happens if something goes wrong.</p> <p><strong>Loaning money </strong></p> <p>If you are in a position to lend money to your child in order to purchase a home, then this might be a method that works well for you and your family by lending money towards a deposit. However, jumping straight into it is a risky decision.</p> <p>Consider a properly documented loan agreement which outlines regular repayment schedules and the longevity of the loan term. Is there interest your child must pay – if so, how much? Will the interest rate vary? If you have more than one child, will your generosity be lent to them also?</p> <p>However, a bank may not be so willing to loan money to your child as they might ask for proof of equity in the property. A loan from a parent is just another debt to be repaid, not equity.</p> <p>A bank might also need a commitment they will not have to compete with your child for loan repayments – before committing to lending your child repayments, consider how long you are willing to wait for your money to return to you and if you can financially survive without it until you get it back.</p> <p><strong>Gifting money </strong></p> <p>Many parents are willing to give away their money to their children – as they might have done for their whole parenting lives. However, gifting your children money may have repercussions for your retirement future. Consider how this may impact you. Will you have to work years longer if you gift money to your child? Are you financially able to relax after gifting money for a loan deposit?</p> <p>It is also important to keep in mind banks do not take kindly to misleading statements – if you plan on loaning money to your child but say it is a gift, there may be serious repercussions for both yourself and your family.</p> <p><strong>Guarantee </strong></p> <p>Your child may ask for a guarantee on their bank debt meaning your position will not be much different from that of the loan borrower. In the case of a default, the bank may come after you before your child.</p> <p>A bank may require you put your own home up as a security for the guarantee, which may result in you losing your own home to repay your child’s debt.</p> <p>Consider how much exposure you are willing to commit to before taking a leap. Perhaps ensure your guarantee is limited to the absolute minimum the bank will allow and ensure you obtain independent legal advice.</p> <p>If you are considering any of the options above to assist your child in purchasing their first home, seek out legal consultation to ensure your options are thoroughly explained.</p> <p>Have you helped a child out with their first home purchase? Let us know in the comments below.</p>

Legal

Placeholder Content Image

Video shows what it’s really like to climb Mount Everest

<p>Google Maps announced in a blog post on Thursday that it has officially made it to Mount Everest.</p> <p>Google has teamed up with Ava Sherpa, a Nepalese mountaineer who has reached the summit of the world's most famous mountain a record 21 times as well as nonprofit Story Cycle to bring the rest of the world digitally to the Khumbu region in Google Maps.</p> <p>The pictures don't take armchair travellers to the top of the mountain — yet — but around the region and communities at the base of the mountain, such as the Phortse, Khumjung, Thame, Lukla, and the Namche Bazaar.</p> <p>"In the shadow of Mt. Everest lies a group of sacred valleys known as the Khumbu," the landing page on Google Maps reads.</p> <p>"For centuries this remote mountainous region has been the homeland of the Sherpa people. Discover the hidden treasures along the trail and off the beaten path."</p> <p>Google takes you to each village and lets viewers explore medical centres, churches, see the "yak parking lot," and even meet the people who live there including Kancha Sherpa, the last living survivor of the first expedition to summit Mt. Everest.</p> <p>"Our region is famous for being home to Everest, but it's also the home of the Sherpa community and has been for centuries," Ava Sherpa, who also has started the Ava Sherpa Foundation, a nonprofit that works to give more opportunities to the children in Khumbu, said in his Google blog post. "The region has much more to offer than just the mountain. So last year, I guided the Google Maps team through my home region to collect Street View imagery that improves the map of our community."</p> <p>The goal of the project is for the world to have a better understanding of the rich history of Khumbu and its people.</p> <p>What did you think of the video? Doesn’t it look incredible? Share your thoughts in the comments.</p> <p><em>First appeared on <a href="http://Stuff.co.nz" target="_blank"><strong><span style="text-decoration: underline;">Stuff.co.nz</span></strong></a>.</em></p> <p><strong>Related links:</strong></p> <p><a href="/travel/travel-tips/2016/03/teen-saves-flying-sheffield-to-essex-via-germany/"><span style="text-decoration: underline;"><em><strong>Teen saves money by flying from Sheffield to Essex via Germany</strong></em></span></a></p> <p><a href="/travel/travel-tips/2016/05/controversial-idea-to-shorten-airport-queues/"><span style="text-decoration: underline;"><em><strong>Controversial idea to shorten airport queues</strong></em></span></a></p> <p><a href="/travel/travel-tips/2016/05/5-ways-to-avoid-being-stuck-in-the-middle-seat/"><strong><em><span style="text-decoration: underline;">5 ways to avoid the middle seat on planes</span></em></strong></a></p>

Travel Tips

Placeholder Content Image

The world’s first stair climbing luggage is here

<p>A couple in the US has come up with a prototype for a suitcase that roll smoothly up and down stairs - without you having to pick it up yourself.</p> <p>It’s called the TraxPack, and comes fitted with “tank tracks” – like what you’d see on a military tank – which allows the bag to roll up and down stairs as you pull your luggage like normal.</p> <p>“Whether it be an escalator in the airport that isn’t working, or let’s say you want to get your bag from the bedroom downstairs to the door so you can go to the airport,” said co-founder Richard Braddock.</p> <p><img width="560" height="412" src="https://ksr-ugc.imgix.net/assets/012/666/318/df7092be60fe8962e6e0a44799a242ef_original.jpg?w=680&amp;fit=max&amp;v=1465303279&amp;auto=format&amp;q=92&amp;s=d45edcf04af86c2bf3808eac489194cf" class="fit" style="display: block; margin-left: auto; margin-right: auto;"/></p> <p>Heralded as the world’s first stair-climbing suitcase, this piece of luggage also has a GPS tracking system, a manoeuvrable handle, a built-in weight scale, USB charging docks and media stand, and extra-strong zippers to keep your belonging secure.</p> <p>It’s just a prototype at the moment but the couple are planning to bring the TraxPack to the world. </p> <p><strong>Related links: </strong></p> <p><span style="text-decoration: underline;"><strong><a href="http://www.oversixty.co.nz/travel/international-travel/2016/05/aerial-tour-of-beautiful-flower-field-in-the-netherlands/"><em>Aerial tour of beautiful flower field in the Netherlands</em></a></strong></span></p> <p><span style="text-decoration: underline;"><strong><a href="http://www.oversixty.co.nz/travel/international-travel/2016/05/10-breathtaking-photos-new-zealand-beautiful-roads/"><em>10 breathtaking photos of New Zealand’s beautiful roads</em></a></strong></span></p> <p><span style="text-decoration: underline;"><strong><a href="http://www.oversixty.co.nz/travel/travel-tips/2016/04/10-incredible-things-to-do-in-tokyo/"><em>10 incredible things to do in Tokyo</em></a></strong></span></p>

International Travel

Placeholder Content Image

Bei Bei the baby panda rescued by mum

<p>From his birth to taking his first steps, the world has watch Bei Bei the panda cub grow-up and they’ve loved every minute of it. The cub, born at Smithsonian’s National Zoo in Washington D.C has won just about every heart on the internet and by the looks of things will continue to do so after you see what he and his mother get up to.</p> <p>Despite being only five-months-old, the cute cub has quite an eye for adventure. He’s been captured trying to climb a tree for the first time ever and National Zoo keepers took to social media to share brilliant footage of the fur-ball trying to perfect the art of tree climbing.</p> <p>Vision captures his rocky attempts to climb the tree and luckily for Bei Bei, his caring mother, is right by him, every step of the way to offer some much needed assistance. Initially Bei Bei resists his mums help, trying to prove he’s a big boy that can do it on his own, but soon enough he caves in and lets his mother guide him down the tree and back safely to the ground. </p> <p>We can’t wait to see what everyone’s favourite panda cub gets up to next. </p> <p><strong>Related links: </strong></p> <p><span style="text-decoration: underline;"><strong><em><a href="http://www.oversixty.co.nz/lifestyle/family-pets/2016/01/5-types-of-grandparents/">There are 5 different types of grandparents – which one are you?</a></em></strong></span><br /><br /><span style="text-decoration: underline;"><strong><em><a href="http://www.oversixty.co.nz/lifestyle/family-pets/2016/01/kids-crying-over-funniest-reasons/">Gallery: Kids crying over the funniest reasons ever</a></em></strong></span><br /><br /><span style="text-decoration: underline;"><strong><em><a href="http://www.oversixty.co.nz/lifestyle/family-pets/2015/11/funny-things-grandkids-say-part-4/">The funniest things grandkids kids say</a></em></strong></span></p>

International Travel

Placeholder Content Image

Footage shows man climbing into airport X-ray scanner

<p>CCTV footage has captured the moment a traveller climbed into an X-ray scanner at a Chinese airport.</p> <p>Instead of putting his luggage through the scanner, it looks like the inexperienced traveller thought the security check was supposed to be for hand luggage, and the person carrying it.</p> <p>According to The Daily Mail, the footage shows the man climbing into the scanner after he was told to put his hand luggage through, as standard practice in every airport around the world.</p> <p>The clip shows a security guard pointing to the machine - but instead of putting his bag through, the man climbs in with bag still in hand.</p> <p>The confused worker tries to stop the man, but he happily carries on with his travels through the machine.</p> <p><em>First appeared on <a href="http://www.stuff.co.nz/" target="_blank"><span style="text-decoration: underline;">Stuff.co.nz</span>.</a></em></p> <p><strong>Related links:</strong></p> <p><span style="text-decoration: underline;"><strong><em><a href="http://www.oversixty.co.nz/travel/international-travel/2015/12/top-10-amazing-festivals/">10 most amazing festivals in the world</a></em></strong></span></p> <p><span style="text-decoration: underline;"><strong><em><a href="http://www.oversixty.co.nz/travel/international-travel/2015/12/shibuya-pedestrian-crossing-japan/">The busiest pedestrian crossing in the world</a></em></strong></span></p> <p><span style="text-decoration: underline;"><strong><em><a href="http://www.oversixty.co.nz/travel/international-travel/2015/12/cheapest-places-to-feast-in-world/">The cheapest places to feast around the world</a></em></strong></span></p>

International Travel