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The one thing you must do before retirement

<p>When you think about planning for retirement, the standard advice is to take a thorough look at your superannuation and finances. Although money is undoubtedly an important aspect of retirement planning, making a plan for your emotion and physical wellbeing is just as crucial.</p> <p>New research from the UK has found that retirement can have a negative impact on your mental and physical health. The study, published by the Institute of Economic Affairs, looked at the impact of retirement on 7,000 people aged 50 to 70, and found that while retirement gives most people a small health booth, over the medium to long-term it causes a “drastic decline in health”. </p> <p>For both men and women, retirement decreases the likelihood of "very good” or "excellent" self-reported health by 40 per cent, increases risk for depression by 40 per cent, and diagnosis of a physical illness by 60 per cent. The study’s lead author, Gabriel Sahlgren, noted: "Work, especially paid work, gives many people a sense of purpose. Losing that may lead to declines in health."</p> <p>The lesson: Make a plan for your emotional and physical health.</p> <p>“Don't wait until you retire to decide how you're going to keep busy,” Dave Bernard, retirement blogger and author of Are You Just Existing and Calling it a Life?, told Prevention, adding, “And you need to look well beyond the first six months.”</p> <p>Just as it’s necessary to make sure your finances are in order before retirement, it’s crucial to ask yourself: What will my new sense of purpose in retirement be?</p> <p>“Many times, adults might not think about what it actually means to be retired, or they think about retirement in abstract terms,” says Angela Curl, an assistant professor in the University of Missouri School of Social Work.</p> <p>She says you need to make concrete plans for retirement. “If you want to volunteer when you are retired, ask yourself where and how often. Having specific plans and steps to follow will help you enter retirement more easily,” says Curl.</p> <p>Creating a plan of how you’ll spend your time when you retire will keep you mentally and physically strong, ensuring that you’ll be healthy enough to enjoy your well-deserved retirement.</p> <p><em>Image credits: Getty Images </em></p>

Retirement Life

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"It was hard to watch": Sean Connery's final days revealed

<p>Sean Connery's final moments have been revealed in a new book, <em>Connery, Sean Connery</em>, which dives into his decades-long career and the obstacles he faced in life. </p> <p>The Scottish actor, who rose to fame as the original <em>James Bond</em>, passed away on October 31, 2020, at the age of 90. </p> <p>The book written by Herbie J Pilato, features never-before-published commentary from Connery's friend, Brendan Lynch about the actor's final days. </p> <p>The Oscar winner struggled with dementia before his passing, and the book claims that Lynch was requested by Connery’s wife, Micheline Roquebrune, to visit his friend “as much as possible in his last days." </p> <p>In the book, Lynch recalled: “Because he wasn’t well at all, Micheline did ask me to try and see a bit more of him in the end.” </p> <p>“He didn’t want to have people that he didn’t know hanging around, so I would stop in to visit.”</p> <p>“I was crying at times to see this mountain of a man — this monumental human achievement in such a terrible state — frail (mentally and physically) unable to carry on a conversation or finish off a sentence,” Lynch said. </p> <p>“To see his body weak and flawed at the end… it was very sad. We tried to have a conversation. I tried to tell him what was going on in the sporting world, despite knowing that he wasn’t actually taking it all in.”</p> <p>Pilato told <em>Fox News Digital </em>that he spoke to numerous other sources and co-stars to get a better understanding of the man behind the iconic character.</p> <p>“Dementia is not just a mental issue. You’re affected physically in other ways… It affects everything. So it’s not just the mind. And to see someone who was so strong battling this disease — it was difficult," Pilato said. </p> <p>“If anybody looked like a movie star, it was Sean Connery,” he shared. “But towards the end, when he was frail, it was hard to watch. It was hard to see that.”</p> <p>According to the book, the actor's health was kept private “for some time" as he spent his final days  surrounded by “sprawling golf courses, near wide-open silky sands and… clear blue Bahamian waters.” </p> <p>Connery died in his sleep, and according to his wife it was exactly "what he wanted.”</p> <p>“At least he died in his sleep, and it was just so peaceful,” she told <em>The Daily Mail </em>on Sunday. </p> <p>“I was with him all the time, and he just slipped away. It was what he wanted."</p> <p><em>Images: Getty</em></p>

Caring

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Do dogs actually watch TV?

<p><strong>Doggy mysteries </strong></p> <p>Have you ever been cuddled on the couch with your dog and noticed him fixate on something on the TV? Maybe it’s another dog, a bird, or some other animal, or just some action taking place in your favourite TV show or movie. It sure looks like your pup is watching TV, but is it your imagination? </p> <p>We know that dogs experience colour and light differently than humans do, so their eyes don’t see things the same way. So, do dogs watch TV? It’s one of those <a href="https://www.readersdigest.com.au/food-home-garden/pets/decode-your-dogs-behaviour-17-dog-behaviours-explained" target="_blank" rel="noopener">questions about weird dog behaviour</a> that pet lovers are always curious about, so we asked pet experts to weigh in.</p> <p><strong>Do dogs watch TV?</strong></p> <p>The answer is basically a yes. Dr Cherice Roth, Chief Veterinary Officer with the pet health care company Fuzzy, confirms that your pup’s apparent TV-watching habits are indeed the real thing. “Some dogs do watch TV!” says Dr Roth, adding that dogs can actually become engrossed by what’s on the tube. </p> <p>“Much like with humans, [a dog’s interest will vary] based on their attention span and attention to motion.” Plus, depending on how high the volume is, they’ll also react to sounds on the TV – especially anything that sounds like their favourite squeaky dog toy – and may be fixated on that as much as the action on the screen. </p> <p><strong>Is it OK for dogs to watch TV?</strong></p> <p>Just because dogs can watch TV, does it mean they should? Dr Albert Ahn, a veterinary advisor with Myos Pet, offers a qualified yes. “Many owners leave the television on to provide their dogs with a distraction while they leave for work or run errands,” he says, adding that TV can be a helpful tool to help reduce feelings of mild separation anxiety.</p> <p>However, Dr Ahn cautions that TV should not be used as a replacement for real owner-pet interaction. “Dogs are social animals,” he explains, “and they need interactions with their pet parents, as well as appropriate amounts of daily exercise.” So unlike your moody teen, who may be more interested in a smartphone than in your company, your dog always wants to hang out with you, whether that means going for a walk, playing a game of fetch, or just chilling on the couch at your side.</p> <p>Dr Roth highlights another potential issue: Some commercials or programming may emit sounds that are distressing to dogs. Typically, bothersome noises for dogs include explosions, gunshots, sirens and crying, and TV sounds that are loud to us are even louder for dogs, thanks to their more sensitive ears – and sounds that are barely perceptible to us might really bother them. So if you’re leaving the TV on when you’re not at home, it’s a good idea to keep the volume low.</p> <p><strong>What does TV look like to dogs?</strong></p> <p>When it comes to watching TV, humans have a distinct advantage over dogs, mostly because we can see colour, and dogs see only a very limited colour range (though they do see in the dark better than we do). “It’s hard to say exactly what [TV] looks like for a dog,” says Dr Ahn. “However, it is generally believed that because of the composition of the cones in the retina, dogs probably are only able to see two specific colours – blue and yellow.”</p> <p>Dr Roth agrees, noting that most dogs can see the movement of images and appreciate the sound, but they’re likely not able to interpret changes in colours. So if you’re looking for the right channel to entertain your pooch, live-action programs with noisy animals will probably interest them more than, say, a colourful cartoon like The Lion King.</p> <p><strong>Do dogs know that TV isn't real?</strong></p> <p>So we’ve answered the question of “Do dogs watch TV?” But what about their perception of TV? Do they understand that there’s not a “real” dog or cat romping on the 2D screen, or do they think it’s the real thing? “We have not been able to establish that pets can distinguish real versus fantasy,” says Dr Roth. The only one who knows for certain is the dog himself, and he’s not telling.</p> <p>Dr Ahn agrees that it’s hard to know exactly what dogs think about television and whether it’s real or not. “But,” he says, “one might deduce that over time, dogs are at least able to sense that there is limited (one-way) interactivity with a television.”</p> <p><strong>Why do some dogs watch TV and others don't?</strong></p> <p>Why does your best friend like action movies while you prefer to binge-watch Bridgerton? Because just like dogs, we all have different tastes and interests – though dogs’ interest in TV may have something to do with their breed. Dr Roth says this mostly comes down to attention span and personality. Dogs with a strong prey drive (think Dobermans and other dogs that like to chase cats) “are sensitive to small environmental movements and are more likely to react to the movement on TV. Calm dog breeds,” she adds, citing Golden Retrievers as an example, “are less likely to be reactive and have their attention captivated by the TV.”</p> <p>Dr Ahn notes that the type of programming may also play a role in the dog’s level of interest. “For example,” he says, “a 24-hour news channel may be less stimulating to a dog compared with a channel that is broadcasting a dog show.”</p> <p><strong>Should you leave the TV on for your dog when you're not home?</strong></p> <p>According to our veterinary experts, it depends. When you’re away from home, TV can be a useful way to keep your dog entertained and keep them from getting bored or getting up to mischief when you’re not around, as well as lessen separation anxiety. “There are several music video stations that can be really great to keep a pet’s environment friendly,” says Dr Roth. But if the channel plays a variety of content all day, she says there’s always a chance that something distressing to your pet might come on. “I’ve seen pets jump into TVs because they’re chasing something on a screen. Find out what your pet likes and keep to those channels.”</p> <p>And again, as Dr Ahn has noted, the television shouldn’t be used as a replacement for the quality bonding time your dog needs with you. That said, if you want to connect with your pup when you’re away, you can set up Skype to answer calls automatically and “talk” to your dog via video call, or use the Barkio app to leave soothing messages for your dog. Just remember: This can be a comfort to some pets, but potentially a stressor to others who might get confused that their human magically appears onscreen and then disappears. And watch out – if your dog figures out how to call you at work, things could get a little awkward during your next staff meeting!</p> <p><em>Image credits: Getty Images</em></p> <p><em>This article originally appeared on <a href="https://www.readersdigest.com.au/food-home-garden/pets/do-dogs-actually-watch-tv" target="_blank" rel="noopener">Reader's Digest</a>. </em></p>

Family & Pets

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Hard to watch! Paralympic champion given the worst gifts ever

<p>A Spanish Paralympic cyclist has been given the worst trophy gifts in history, with his calm and collected reaction making waves online. </p> <p>Ricardo Ten Argiles was last week crowned world champion in three separate events at the 2023 UCI World Championships in Glasgow, Scotland.</p> <p>During the post race ceremonies, he was presented with two gold medals, along with two very surprising gifts from the event's major sponsor: international watch company Tissot.</p> <p>The 47-year-old was gifted not one, but TWO watches in a fancy display case, despite having both his arms amputated at the forearm. </p> <p>A video of Ten keeping a straight face while being handed one of the watches has started to spread across the internet with more than 800,000 views.</p> <blockquote class="twitter-tweet"> <p dir="ltr" lang="en">Not a very well thought gift. <a href="https://t.co/hRhaTfnGsE">pic.twitter.com/hRhaTfnGsE</a></p> <p>— Cycling out of context (@OutOfCycling) <a href="https://twitter.com/OutOfCycling/status/1691136594747469836?ref_src=twsrc%5Etfw">August 14, 2023</a></p></blockquote> <p>One video shows Ten standing on the podium and exchanging some friendly words with an official as he holds the watch case tightly between his arms. </p> <p>Understandably, the mortifying moment has been met with outrage and black humour. </p> <p>The athlete himself has been laughing off the incident and has embraced the way his social media pages have exploded with comments.</p> <p>Many of the comments suggested that Ten regift the expensive watches at Christmas, while others wondered how officials at the event could've let the awkward gifts happen. </p> <p>Despite the outrage from fans, Ten responded to one news story about the “tactless blunder” by writing on Twitter, “I am very happy to have won two TISSOTs, one for each arm, but above all for what it means for Paralympic cycling, total inclusion of the sport at the highest level”.</p> <p><em>Image credits: Twitter</em></p>

Body

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5 must-watch films about ageing

<p>In an age where it seems everything pop culture is concerned with youthfulness and preventing the process of ageing at every chance, these films bucked the trend to bring authentic (not to mention entertaining) stories about ageing to the masses. Here are five movies about the trials and triumphs of growing old that you simply can’t miss.</p> <p><strong><em>About Schmidt</em></strong></p> <p>Starring Jack Nicholson as the newly-retired Warren Schmidt, this is a film about finding friendship and meaning in unlikely places. After his wife suddenly dies, he takes a life-changing trip across the country, confronting his demons and learning about what he really wants out of life. The final scene alone is worth a watch.</p> <p><strong><em>Amour</em></strong></p> <p>If you can stand the subtitles, this Oscar-winning French film is definitely not one to miss. It follows the story of an elderly couple, Anne and George, as they face the challenges that arise when Anne experiences a severe stroke. It’s a beautiful movie which showcases the power of love and the strength of the human spirit.</p> <p><em><strong>On Golden Pond</strong></em></p> <p>This 1981 film earned Henry Fonda an Oscar, and it’s not difficult to see why. <em>On Golden Pond</em> candidly explores the not-so-welcome side effects of ageing and the heartbreaking impact of memory loss on a tight-knit family. With great performances from Katherine Hepburn and Fonda’s daughter Jane, this is a film every family needs to watch.</p> <p><em><strong>The Curious Case of Benjamin Button</strong></em></p> <p>It may surprise you, but <em>Benjamin Button</em> is actually a fantastic commentary on what it means to grow old and how little our ‘age’ reflects how old we feel on the inside. Loosely based on F. Scott Fitzgerald’s 1992 short story of the same name, the film follows the relationship between Daisy Fuller (Cate Blanchett) and Benjamin Button (Brad Pitt), who bizarrely ages in reverse.</p> <p><strong><em>The Best Exotic Marigold Hotel</em></strong></p> <p>Featuring a star-studded cast including Judi Dench, Maggie Smith and Bill Nighy, if you haven’t already seen <em>The Best Exotic Marigold Hotel</em>, you’re in for a treat. The film follows a group of British seniors who move to a retirement hotel in India. What follows is an experience that just goes to show, it’s never too late to rediscover yourself. Plus, the sequel is just as fun!</p> <p><em>Image credit: Shutterstock</em></p>

Movies

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How scammers use psychology to create some of the most convincing internet cons – and what to watch out for

<p><a href="https://theconversation.com/profiles/stacey-wood-473147"><em>Stacey Wood</em></a><em>, <a href="https://theconversation.com/institutions/scripps-college-2153">Scripps College</a> and <a href="https://theconversation.com/profiles/yaniv-hanoch-1341108">Yaniv Hanoch</a>, <a href="https://theconversation.com/institutions/university-of-southampton-1093">University of Southampton</a></em></p> <p><a href="https://www.experian.co.uk/blogs/latest-thinking/fraud-prevention/cybercrime-fraud-most-common-crime-uk/">Online fraud is today’s most common crime</a>. Victims are often told they are foolish for falling for it, but fraudsters use psychological mechanisms to infiltrate the defences of their targets, regardless of how intelligent they are.</p> <p>So it’s important to keep up with the latest scams and understand how they work.</p> <p>Recently, consumer protection magazine Which? <a href="https://www.which.co.uk/news/article/the-4-most-convincing-scams-weve-seen-in-2023-so-far-a7bRP9s0KJvG">identified some of the most convincing scams of 2023</a>. These scams all have one thing in common – they insidiously take advantage of people’s cognitive biases and psychological blind spots.</p> <p>They included “pig butchering” a way of fattening up victims with affection, the missing person scam which involves posting fake content on social media pages, the traditional PayPal scam, and a new scam called the “fake app alert” in which malware is hidden on apps that look legitimate.</p> <h2>Pig butchering</h2> <p>In our work as fraud psychology researchers we have noticed a trend towards hybrid scams, which combine different types of fraud. Hybrid scams often involve crypto investments and <a href="https://www.psychologytoday.com/us/blog/the-fraud-crisis/202210/new-scams-committed-forced-trafficked-labor">sometimes use trafficked labour</a> In the US alone, <a href="https://www.fbi.gov/contact-us/field-offices/springfield/news/internet-crime-complaint-center-releases-2022-statistics">the FBI recently reported</a> that people lost US $3.3 billion (£2.6 billion) in 2023 to investment fraud.</p> <p>Pig butchering is a long-term deception. <a href="https://www.cnbc.com/2023/05/02/pig-butchering-scammers-make-billions-convincing-victims-of-love.html">This type of scam</a> combines elements of <a href="https://www.actionfraud.police.uk/a-z-of-fraud/romance-scams">romance scams</a> with an investment con. The name comes from the strategy of <a href="https://www.theguardian.com/money/2023/may/22/dating-cons-and-dodgy-apps-among-most-common-scams-says-uk-watchdog">“fattening up” a victim with affection before slaughter</a>.</p> <p>It will usually begin with <a href="https://www.which.co.uk/policy-and-insight/article/pig-butchering-among-most-convincing-scams-of-2023-so-far-which-warns-aDRtr4I1UT1R">standard scam approach like a text</a>, social media message, or an introduction at a job board site.</p> <p>Victims may have their guard up at first. However, these scams can unfold over months, with the scammer slowly gaining the victims’ trust and initiating a romantic relationship all the while learning about their vulnerabilities.</p> <p>For example, details of their financial situation, job stresses, and dreams about the life they want. Romance scammers often saturate their targets with affection and almost constant contact. Pig butchering sometimes involves several trafficked people working as a team to create a single persona.</p> <p>Once the victim depends on the scammer for their emotional connection, the scammer introduces the idea of making an investment and uses fake crypto platforms to demonstrate returns. The scammers may use legitimate sounding cryptocoins and platforms. Victims can invest and “see” strong returns online. In reality, their money is going directly to the scammer.</p> <p>Once a victim transfers a substantial amount of money to the con artist, they are less likely to pull out. This phenomenon is known as the <a href="https://www.sciencedirect.com/science/article/abs/pii/0749597885900494">“sunk cost fallacy”</a>. Research has shown people are likely to carry on investing money, time and effort in activities they have already invested in and ignore signs the endeavour isn’t in their best interests.</p> <p>When the victim runs out of money or tries to withdraw funds, they are blocked.</p> <p>The victim is left with not only financial devastation, but also the loss of what they may imagine to be their most intimate partnership. They are often <a href="https://cloud-platform-e218f50a4812967ba1215eaecede923f.s3.amazonaws.com/uploads/sites/6/2021/12/VC-Who-Suffers-Fraud-Report-1.pdf">too embarrassed to discuss the experience</a> with friends and family or to report to the police.</p> <h2>PayPal scams</h2> <p>Fake payment requests are a common attack that works by volume rather than playing the long game. Payment requests appear to come from a genuine PayPal address. Fraudulent messages typically begin with a generic greeting, an urgent request and a fake link.</p> <p>For example, Dear User: You’ve received a payment, or you have paid too much. Please click link below for details. Users are directed to a spoofed website with a legitimate sounding name such as www.paypal.com/SpecialOffers and asked to enter their account information and password.</p> <p>Both of us have received these scam requests – and even we found them difficult to discern from legitimate PayPal request emails. These scams work through mimicry and play on the human tendency to trust authority. Legitimate PayPal correspondence is usually automatic bot language, so it is not difficult to imitate.</p> <p>But remember, genuine messages from PayPal <a href="https://www.paypal.com/ca/for-you/account/security/fraud-dangers#:%7E:text=Any%20email%20from%20PayPal%20will,bank%20account%2C%20or%20credit%20card.">will use your first and last name</a>.</p> <h2>The missing person scam</h2> <p>This seems to be a new scam that exploits a person’s kindness. In the past, charity scams involved posing as charitable organisation responding to a <a href="https://www.aarp.org/money/scams-fraud/info-2019/charity.html">recent, real calamity</a>.</p> <p>The new missing person scam is more sophisticated. The initial plea is a <a href="https://www.thesun.co.uk/tech/20875699/facebook-fake-missing-child-scam-warning/">fake missing person post</a> that generates likes and shares, increasing its credibility and exposure. Then the fraudster edits the content to create an investment scheme which now has the veneer of legitimacy.</p> <p>This scam may work because the initial consumers are unaware that the content is fraudulent, and there is no obvious request. In psychology, this type of persuasion is known as “<a href="https://thedecisionlab.com/reference-guide/psychology/social-proof">social proof</a>” – the tendency of individuals to follow and copy behaviour of others.</p> <h2>Fake app alerts</h2> <p>People post mobile apps, designed to steal users’ personal information, on the Google Play or Apple app store.</p> <p>The app often has a <a href="https://www.edinburghnews.scotsman.com/news/crime/another-person-comes-forward-after-banking-app-scam-3584340">legitimate function</a>, which gives it a cover. Consumers unknowingly jeopardise their private information by downloading these apps which use malware to access additional information.</p> <p>Although there has been <a href="https://tech.co/news/fake-android-apps-delete">media coverage of Android security issues</a>, many users assume malware <a href="https://www.ben-evans.com/benedictevans/2020/8/18/app-stores">cannot bypass app store screening</a>. Again, this scam plays on people’s <a href="https://psycnet.apa.org/doiLanding?doi=10.1037%2F0021-9010.92.3.639">trust in authority figures</a> to keep tjem safe.</p> <p>Discuss any investment opportunities with friends, family members or professionals. It’s much easier said than done, but exercising caution one of the best strategies to reduce the chance of becoming a fraud victim.</p> <p>Scammers count on people paying little to no attention to their emails or messages before clicking on them or providing valuable information. When it comes to scams, the devil is in the missing details.<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/207759/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em><a href="https://theconversation.com/profiles/stacey-wood-473147">Stacey Wood</a>, Professor of Psychology, <a href="https://theconversation.com/institutions/scripps-college-2153">Scripps College</a> and <a href="https://theconversation.com/profiles/yaniv-hanoch-1341108">Yaniv Hanoch</a>, Professor in Decision Science, <a href="https://theconversation.com/institutions/university-of-southampton-1093">University of Southampton</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/how-scammers-use-psychology-to-create-some-of-the-most-convincing-internet-cons-and-what-to-watch-out-for-207759">original article</a>.</em></p>

Technology

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6 questions you must ask yourself before downsizing

<p>For many people, retirement is the time to downsize from the family home to a smaller dwelling. It’s a big decision so before you take the plunge, first ask yourself these six questions to ensure you make an informed choice.</p> <p><strong>1. How much will I save moving to a smaller home?</strong></p> <p>A big reason to downsize is to save money, but you might not always save as much as you think when you really drilldown into the costs. Carefully compare the costs of your potential new dwelling with how much you’re spending now. Consider everything including the price of the house, maintenance, utilities, transport, entertainment and food.</p> <p><strong>2. Will the new neighbourhood fit my lifestyle needs?</strong></p> <p>When people retire their needs change; they no longer need to live in an area close to work or near good schools, for example. With this new change, you will have to work out what your new needs might be, and take that into consideration when looking for a place. Downsizing isn’t just about the house but the type of neighbourhood you want to live in.</p> <p><strong>3. How much longer will I be able to maintain my current home?</strong></p> <p>As you age, you might find that you’re not able to maintain a big house with a big garden as well as you once did. If those little maintenance projects are taking much longer than usual, it could be time to downsize. A house takes very little time to fall into disrepair, which means the property loses vales. It’s a smart idea to sell a house when you are able to make it looks its best.</p> <p><strong>4. What will I bring with me and what will I lose?</strong></p> <p>The reality of a smaller place is that there will be less space to put your things. For many people, the hardest part of downsizing is decluttering, so do the mental preparation of deciding what you’re going to bin (or give to charities) before you actually move – otherwise you might end up bringing too much with you. You will have to make some tough, sometimes emotional, decisions but don’t let your “things” hold you back from moving forward.</p> <p><strong>5. How is your health and your partner’s health?</strong></p> <p>It’s always best to move when you’re fit and able rather than being forced to by circumstances later down the track. And even though you’re healthy now, you need to consider your future health needs when deciding on a new home. Will you always be able to navigate the stairs or mow the lawn? Is the place close to medical care? Is the neighbourhood senior-friendly? These are just a few questions to think through.</p> <p><strong>6. How close will family and friends be?</strong></p> <p>As people age, it’s common for social circles to shrink so in retirement, it’s more important than ever to keep socially active. Therefore, it’s crucial to factor in social connections and activities into your move. How close will family and friends be from your new place? Does your new neighbourhood have activities for retirees? Are there opportunities to make new friends and discover new activities? While retirement planning mostly focuses on finances, your emotional and social needs are just as important and should be carefully considered.</p> <p><em>Image credits: Getty Images</em></p>

Home Hints & Tips

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The Super Mario Bros. Movie: don’t watch it for the story but for how it successfully represents gameplay

<p>The first videogame I ever played was the arcade game <a href="https://www.youtube.com/watch?v=Pp2aMs38ERY">Donkey Kong</a>. Released in 1981, it took us into a blocky-looking world where a carpenter in overalls raced along platforms and up ladders in a building site to rescue a lady kidnapped by a large ape. Its humble hero, <a href="https://en.wikipedia.org/wiki/Mario">Mario</a>, went on to feature in scores of multi-million dollar grossing games, becoming an icon <a href="https://www.dukeupress.edu/recentering-globalization">as popular as Mickey Mouse</a>.</p> <p>Having grown up in the 1980s, the new <a href="https://www.youtube.com/watch?v=TnGl01FkMMo">Super Mario Bros. Movie</a> meant more to me than the average fantasy animation film. Watching <a href="https://www.youtube.com/watch?v=yKxaYsn_F78">Mario and Donkey Kong have it out</a> on a massive screen – at a resolution so high you can see a single hair or wrinkle on these crisp-looking, toy-like characters – was remarkable.</p> <p>Yet, it felt like the mission of this movie wasn’t just about creating flashy, fleshy cartoon characters or trying to tell a compelling story – it was about doing justice to the feel of these videogames that span decades and are still enjoyed by millions around the world.</p> <h2>A film about jumping</h2> <p>Story-wise, this is another of those PG-rated fantasy comedies that celebrate the 1980s and games culture. There’s a beta male baddy (Bowser, a fire-breathing dragon-turtle hybrid) and his army who must be defeated by a good-hearted guy (Mario) – helped by his brother (Luigi), a strong independent woman (Princess Peach), and a cast of zany allies.</p> <p>But what makes the film worth watching is how it tips its hat to aspects of gameplay.</p> <p>One of its biggest achievements is the unpretentious, funny recreations of moments from the videogames. Sometimes this happens by staging action-packed scenes that are <a href="https://www.youtube.com/watch?v=yP-Qduvw9zY">framed from the same perspective as the videogame players</a>. For instance, seeing Mario and Luigi dash through a building site with the camera zoomed out to capture the entire screen from a side perspective is the filmmaker’s nod to the pleasures of platform games.</p> <p>The film also humorously reflects on player experience. Anybody who has enjoyed a Mario game might recall the disappointing feeling of falling down a pit after a failed attempt to reach a high platform. In the movie, Mario is initially inept at all of this. He is put through a funny 1980s montage of <a href="https://www.youtube.com/watch?v=pKKBlSzMs4o">trial and error</a>, which reminds us how players got the hang of these games.</p> <p>The emphasis on replicating gameplay may be the influence of Japanese games design superstar <a href="https://www.rollingstone.com/tv-movies/tv-movie-features/the-super-mario-bros-movie-shigeru-miyamoto-koji-kondo-nintendo-interview-easter-eggs-1234706449/">Shigeru Miyamoto</a>, the creator of Mario, who co-produced the movie.</p> <p>Where other designers may have attempted to create a “proper” Mario movie by focusing on realism or a more sophisticated story, Miyamoto has long been adamant about seeing videogames <a href="https://shmuplations.com/miyamoto1989/">as toys</a>. Now he has created a true videogame movie.</p> <h2>Games as toys</h2> <p>Approaching games as toys is consistent with the long history of Kyoto-based games company Nintendo. It started back in 1889 producing playing cards, and even <a href="https://www.hobbydb.com/marketplaces/hobbydb/subjects/n-b-block-series">competed with Lego</a> before going on to revolutionise the videogaming medium with titles such as Super Mario Bros. in the early 1980s.</p> <p>In most of Nintendo’s games, the end goal is not necessarily found in the stories – rather, these serve the pleasure of playing. In Super Mario Bros., for example, the damsel-in-distress narrative of Bowser kidnapping Princess Peach merely kicked off a game mostly about jumping.</p> <p><a href="https://www.youtube.com/watch?v=a6Al_DShXX0">Other Mario adaptations for the big screen</a> have sought to translate gameplay with varying success. Take the 1993 <a href="https://www.youtube.com/watch?v=GuXwMHF9y1Y&amp;ab_channel=RottenTomatoesClassicTrailers">Super Mario Bros. live action</a> film, which was critically panned but has gone on to gain cult status. As a <a href="https://www.nytimes.com/1993/05/29/movies/review-film-plumbing-a-video-game-to-its-depths.html">reviewer in the New York Times</a> put it: “This bizarre, special effects-filled movie doesn’t have the jaunty hop-and-zap spirit of the Nintendo video game from which it takes – ahem – its inspiration.”</p> <p>Gone, now, are the days of third-party licensing when cinematic game adaptations were left in the hands of external developers, resulting in <a href="https://www.youtube.com/watch?v=nKqFEV9rA1U">output that could look very different</a> to the games themselves – such as Super Mario Bros. Super Show! from the late 1980s. This animated show was not particularly faithful to the games: Mario and Luigi had a different kind of Italian-American accent and a Princess Toadstool. The live-action segments also featured crasser and more adult iterations of the characters.</p> <p>This time, however, Nintendo has worked with Universal Pictures to adapt the game, so the new animated movie is more faithful in brand continuity.</p> <h2>Mario’s most successful cinematic appearance</h2> <p>There are now entire TV series based on story-driven games, <a href="https://www.youtube.com/watch?v=eNF27c3-5Qw">whose scripts replicate the game almost verbatim</a>. For instance, the recent hit series The Last of Us saw fans cross-reference scene by scene with the original game.</p> <p>In contrast, the Super Mario Bros. Movie looks like an attempt to make a film that works more like a game. And in spite of a <a href="https://www.theguardian.com/film/2023/apr/09/the-super-mario-bros-movie-review-game-over-for-this-lazy-animated-mess">lukewarm reception from critics</a>, the new film stands to be the most successful cinematic Mario appearance yet.</p> <p>While the film has been downplayed by some as a “marketing machine” to sell Nintendo toys, critics overlook the fact that its success might be connected to how popular these toys already are. The games have <a href="https://www.theverge.com/2023/2/7/23589075/nintendo-switch-q3-2023-earnings-sales-console-third-bestselling">sold in the 100 millions</a>, which may explain the film’s ability to <a href="https://www.independent.co.uk/arts-entertainment/films/news/super-mario-bros-movie-box-office-b2317192.html">smash box-office records</a>.</p> <p>This film will have gameplaying fans poring over frames to identify references to the games and “Easter eggs” – messages hidden for knowing watchers to look out for. Older and new fans alike will recognise <a href="https://www.youtube.com/watch?v=otZ-D3OJeW4">the GameCube jingle in Luigi’s ringtone</a>, and enjoy vintage gaming items such as the “hammer power-up” that are on sale in the film’s antique shop.</p> <p>Many viewers will also recognise the <a href="https://www.youtube.com/watch?v=QilqLbynOsY">iconic musical motifs from the Super Mario Bros. levels</a>, and how the maps are reminiscent of Super Mario World. They will spot cutesy fan-favourites <a href="https://www.youtube.com/watch?v=_o6yvb5E2Sw">Yoshi</a> and Toad.</p> <p>The Super Mario Bros. Movie may indeed work to re-market Nintendo’s four-decade back catalogue of gaming classics to both nostalgic parents and kids. But in being driven by the very success of gaming culture, it defies critics looking at it as “just another movie”. Instead, they should see it as an extension of the videogame, and a celebration of how this expansive world makes people feel.</p> <p><em>This article originally appeared on <a href="https://theconversation.com/the-super-mario-bros-movie-dont-watch-it-for-the-story-but-for-how-it-successfully-represents-gameplay-203592" target="_blank" rel="noopener">The Conversation</a>.</em></p> <p><em>Images: Universal Pictures</em></p>

Movies

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Must-have food experiences when in Rome

<p>There are only two reasons people go to Rome – for the sights such as the Trevi Fountain, the Colosseum, St Peter’s Basilica. The second, people will tell you, is the culture. But that’s a lie. Don’t believe them. They’re really just there for the food. Not that we’re judging, we’re just pointing out the obvious. And it is obvious, because Rome’s food scene is wonderful. To help you do Rome like a foodie, here are four absolutely essential things to do when you’re there.</p> <p><strong>Eating tours</strong></p> <p>Got some time to spare and a stomach that needs serious filling? Go on one of Rome’s many eating tours. There are loads to choose from so do your research about which one is best for you, then eat your way around the city.</p> <p>TOP TIP: If you go back a day or two later, it’ll be a different group or people and possibly a different tour guide, so no one will judge you for doing it all again.</p> <p><strong>The Pasta Museum</strong></p> <p>Got a love for carbs that is as high as the Tower of Pisa? Then you might want to visit the Pasta Museum – one of Rome’s more obscure tourist destinations. You can lean about all things pasta: its history, nutritional values, how it’s made. You can see pasta-making machines from different eras and pick up some, you guessed it – pasta – from the gift shop on your way out.</p> <p>WHERE: Piazza Scanderbeg 117 (not far from the Trevi Fountain)</p> <p><strong>Mozarella madness</strong></p> <p>Perfect for when you want a light meal, mozzarella bars will serve you out-of-this-world cheese with salad, smoked salmon or prosciutto. Treat yourself and add a glass of wine for the ultimate indulgence.</p> <p><strong>Gelato everywhere</strong></p> <p>If you don’t know the nutritional benefits of gelato, let us give you a refresher: it’s delicious. When you’re in Rome, you have to eat as much gelato as you can so you can rave about it to your friends and family when you get home. Try to avoid the tourist traps that charge through the nose – do your research and find out where the locals go for their gelato.</p> <p><em>Image credit: Shutterstock</em></p>

International Travel

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10 things you must know before adopting exotic pets

<p><strong>1. The world of exotic pets</strong></p> <p> </p> <p>Exotic pets—birds, reptiles, small mammals, and even pigs—are among the most rehomed pets there are. (Rehomed means their original owners gave them up.)</p> <p>People think the ball python looks cool, or that the sugar glider is super cute, or that the teacup pig is adorable.</p> <p>But when the python outgrows its enclosure, or the sugar glider is difficult to feed, or the teacup pig is a lot bigger than a teacup, owners become overwhelmed and place them for adoption, or, abandon them entirely.</p> <p>When looking for a list of exotic pets, there are many things to consider besides how the animal looks.</p> <p> </p> <p><strong>2. What you have to consider</strong></p> <p>‘Small mammals, reptiles and birds can make excellent additions to the family, but they are very different from dogs and cats,’ says Gabby Schrader, DVM.</p> <p>‘Before you bring your new pet home, be sure to research their specific husbandry needs.</p> <p>‘Food, supplements, temperature and humidity can make all the difference in your animal’s health.</p> <p>‘Some animals, like pocket pets only live a few years, but reptiles and birds can live over 50 years.’</p> <p>Schrader also notes the importance of knowing where your local exotic animal veterinarian is, as not all vets will treat them.</p> <p><strong>3. Housing</strong></p> <p>The first thing to consider when adopting an exotic pet is their housing.</p> <p>Reptiles need heat sources, birds need cages, but a cage sufficient for a cockatiel won’t work for a macaw.</p> <p>Pocket pets and other small mammals all have specific housing requirements as well. Do they climb? Burrow? Do they use a litter box like ferrets?</p> <p>All these questions should be answered before you bring your pet home so you have the perfect enclosure ready for them on arrival.</p> <p><strong>4. Veterinary care</strong></p> <p>This can’t be stated too strongly: Not all veterinarians care for all types of animals.</p> <p>Exotic animal vets are much less common than small animal (dog and cat) vets, and many small animal vets don’t have the equipment required to do extensive treatments on exotics.</p> <p>Ask your small animal vet for a recommendation or visit your local pet store and ask who they suggest.</p> <p>When deciding the best exotic pets for you, make sure you have access to a vet who treats them.</p> <p><strong>5. Behaviour and temperament</strong></p> <p>If you’re looking for a snuggly pet to cuddle up in your lap, a bearded dragon may not be the best choice.</p> <p>Likewise, if you spend 60 hours a week at work and are rarely home, a social animal like a parrot is not the pet for you. (In fact, you probably don’t have time in your life for any sort of pet.)</p> <p>Understanding your pet’s unique temperament, behavior, and enrichment needs is very important in ensuring a high quality of life.</p> <p><strong>6. Diet</strong></p> <p>Exotic pets can have exotic dietary needs.</p> <p>From pig chow to frozen pinkie mice, it’s important to meet your pet’s specific dietary needs and avoid medical problems caused by nutrient deficiencies.</p> <p>Understanding that your pet needs to eat mice or crickets means being willing to feed them mice or crickets.</p> <p>Or if your pet is a vegetarian, plan on doing a lot of chopping and slicing to provide them with fresh vegetables and/or fruit every day.</p> <p><strong>7. Legal questions</strong></p> <p>One big question to answer before adopting your exotic pet is if it’s even legal in your state or town.</p> <p>Many states ban exotic animals that could damage the ecosystem if released or if they are able to breed with native species.</p> <p>Bringing home a pet and bonding with it, then having your pet confiscated, can be both traumatic and costly.</p> <p><strong>8. Size and lifespan</strong></p> <p>The average adult size of your pet and its lifespan are other important considerations when deciding whether to adopt an exotic pet or not.</p> <p>A tortoise adopted when you’re a child can not only outlive you, but, depending on breed, can grow to several hundred pounds.</p> <p>Many species of reptile and bird can live over 50 years, so arrangements must be made for care in the event of your death.</p> <p>Owners of long-lived pets frequently add clauses in their will to provide for their pets.</p> <p><strong>9. Disease</strong></p> <p>People with weak immune systems should also be wary of adopting exotic pets, as some, like reptiles, carry salmonella in their gut.</p> <p>Proper handwashing is of paramount importance, as is keeping the animal’s enclosure clean.</p> <p>If children or older adults will be handling the pet, extreme care should be taken to ensure proper hygiene.</p> <p><strong>10. Other pets</strong></p> <p>One other important consideration is the presence of other pets in the home.</p> <p>A home with indoor cats may not be the right place for a sugar glider for instance.</p> <p>Ensuring that old pets are compatible with new pets is one of the most important factors in adopting an exotic pet.</p> <p>Countless exotics are rehomed or abandoned every year because of problems with other pets.</p> <p><em>Image credit: Shutterstock</em></p> <p><em>This article originally appeared on <a href="https://www.readersdigest.co.nz/pets/10-things-you-must-know-adopting-exotic-pets" target="_blank" rel="noopener">Reader's Digest</a>.</em></p>

Family & Pets

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Mum of four saved by her smartwatch

<p dir="ltr">Ricki-Lee Wynne was gifted a smartwatch from her husband for her 40th birthday and she believes that without it, she wouldn’t be alive today.</p> <p dir="ltr">"There's no doubt that my smartwatch saved my life," she told 9news.com.au.</p> <p dir="ltr">Months prior to receiving the watch, Wynne had been experiencing strange health problems. </p> <p dir="ltr">"I was getting a pain over my shoulder blades and it hurt each time I breathed in," she said.</p> <p dir="ltr">Doctors were confused and Wynne was in and out of hospital having several X-rays, scans and blood tests in an attempt to find the underlying issue.</p> <p dir="ltr">Wynne also had an echocardiogram to test the functioning of her heart, all of which appeared normal. </p> <p dir="ltr">"The doctors were not sure what it was. They thought it could be a low-grade blood cancer," she said. </p> <p dir="ltr">The pain subsided for a little while but soon enough Wynne’s breathing problems returned. </p> <p dir="ltr">"I woke up one day and I couldn't breathe properly. I was just walking into work and I was thinking, 'Gosh, I can't get enough air into my lungs,'" she said.</p> <p dir="ltr">"I couldn't walk from one side of the room to the other without being short of breath.</p> <p dir="ltr">"I went to my GP and had an x-ray done, but nothing showed up.”</p> <p dir="ltr">That’s when Wynne noticed her smartwatch was acting up. </p> <p dir="ltr">"I'd been struggling with my watch for days to try and get the heart rate to show up," she said. </p> <p dir="ltr">The heart rate function of her smartwatch had never been an issue before, but now it was struggling to pick it up. </p> <p dir="ltr">"It was saying you need to change the position to measure a pulse," she said.</p> <p dir="ltr">"My chest was also feeling kind of wobbly for a couple of nights when I went to bed.”</p> <p dir="ltr">Despite her X-ray showing coming up clear, Wynne said she went back to see her GP and told him she was worried something was really wrong.</p> <p dir="ltr">"I just said to him, 'Even my heart rate isn't right, look at my watch,' and I showed it to him.”</p> <p dir="ltr">Wynne’s GP sent her off for an ECG which showed her heart rate had dropped to just 29 beats per minute, a major cause for concern. </p> <p dir="ltr">"As soon as I had the ECG, I had the doctor call me back and say you need to go straight to Box Hill Hospital," she said.</p> <p dir="ltr">"I was told at the hospital that if I hadn't come in I would have just died in my sleep.</p> <p dir="ltr">"I would not have woken up and my heart would have stopped.”</p> <p dir="ltr">Wynne was then fitted with an emergency pacemaker and eventually diagnosed with a rare auto-immune disorder called sarcoidosis, a condition that causes inflammation in different parts of the body, most commonly the lungs. </p> <p dir="ltr">Doctors believe Wynne's sarcoidosis moved from her lungs to her heart, causing her to become extremely ill. </p> <p dir="ltr">She still has the pacemaker in and combined with medication, her health has improved significantly. </p> <p dir="ltr">It’s safe to say Wynne won’t be taking off her smartwatch any time soon.</p> <p dir="ltr"><em>Image credit: Shutterstock</em></p>

Technology

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Natural wonders you must see before they disappear

<p>While we don’t mean to alarm anyone, you’ve likely heard the grim timelines: if global warming continues, the Great Barrier Reef will be bleached by 2030; glaciers in the Swiss Alps, on Mt. Kilimanjaro, and in Glacier National Park will disappear in under 40 years; and Arctic ice melt will send polar bears into extinction. It’s a sad state of affairs.</p> <p>So while we sit and hope for a miracle, make sure you travel and see any of the precious places on your bucket list before it’s too late.</p> <p>While you might be thinking that tourism will add stress to these already distressed areas, in actual fact it can also provide income, which in turn can help preserve these wonders. Here we look at our top seven areas – some that are lesser know than others – and all of which can be visited responsibly.</p> <p><strong>Belize barrier reef</strong></p> <p>One of the most diverse reef ecosystems in the world is home to whale sharks, rays, and manatees, as well as sturgeon, conch and spiny lobsters.</p> <p>The Danger: Sadly, like the Great Barrier Reef in Australia, the Belize Barrier Reef leads a fragile existence. A section of the nearly 700-mile-long Mesoamerican Reef that reaches from Mexico to Honduras, the Belize reef suffered a severe bleaching in 1998, with a loss of 50 percent of its coral in many areas, including much of its distinctive staghorn coral. Since the bleaching, its decline has continued, due to global warming of the world’s seas, agricultural pollution, development, and increasing tourism, which has given rise to more coastal development and an invasion of cruise ships.</p> <p><strong>The Congo Basin</strong></p> <p>Tropical rainforests like the Congo Basin produce 40 per cent of the world’s oxygen and serve as a vital source of food, medicine and minerals.</p> <p>The Danger: At more than 1.3 million square miles, the Congo Basin has the world’s second-largest rainforest. According to the UN, up to two-thirds of the forest and its unique plants and wildlife could be lost by 2040 unless more effective measures are taken to protect it. Extending across six nations, 10 million acres of forest is degraded each year due to mining, illegal logging, farming, ranching and guerilla warfare. Roads cut by loggers and miners have also enabled poachers and bushmeat hunters to prey on endangered animals like mountain gorillas, forest elephants, bonobos and okapis. As the forest shrinks, less carbon dioxide is absorbed, and rain decreases, adding to climate change.</p> <p><strong>The Dead Sea</strong></p> <p>It’s the lowermost spot on earth (1,312 feet below sea level to be exact), has 10 times more saline than seawater (meaning that you would float like a cork does in water), and is believed to contain therapeutic minerals.</p> <p>The Danger: In the last 40 years, the Dead Sea has shrunk by a third and sunk 80 feet, stranding formerly seaside resorts and restaurants nearly a mile from shore. The Jordan River is the lake’s sole source, and as surrounding countries increasingly tap its waters, little reaches the Dead Sea, which could disappear within 50 years. Further pressure is put on the sea by the cosmetic companies and potash producers who drain it for minerals.</p> <p><strong>The Everglades</strong></p> <p>This 2.5 million–acre wetland in Florida encompasses cypress swamps, mangroves, sawgrass and pine savannahs. It's the only place in the world where crocodiles and alligators share territory.</p> <p>The Danger: A host of dangers are putting this delicate wetland at risk: pollution from farms, invasive species, and encroaching development. As a result, The Everglades is now half the size it was in 1900. Worse still, this is the sole habitat of the Florida panther, and there are less than 100 of the creatures left in the wild.</p> <p><strong>Madagascar</strong></p> <p>More than 80 percent of Madagascar’s flora and fauna are found nowhere else on Earth, thanks to millions of years of isolation in the Indian Ocean off of Africa.</p> <p>The Danger: If nothing is done to save the world’s fourth-largest island, its forests will be gone in 35 years (once 120,000 square miles, they're now down to 20,000), and their unique inhabitants along with them. Forest ecosystems are being destroyed by logging, burning for subsistence farms, and poaching.</p> <p><strong>The Maldives</strong></p> <p>The nation is rich in coral reefs and endangered fish — such as the giant Napoleon wrasse, leopard shark and some 250 manta rays (most with wingspans of 10 feet).</p> <p>The Danger: If global warming continues to melt the ice caps and raise sea levels, scientists don’t hold much hope for the Maldives. Its 1,190 small islands and atolls (200 of which are inhabited) scattered across the Indian Ocean rise a mere eight-feet above sea level. In 2008, the President of the Maldives announced the government would start buying land in other countries, including India, for future homes for citizens displaced by rising waters. In 2009, he held a cabinet meeting underwater to stress the islands' vulnerability.</p> <p><strong>The Poles</strong></p> <p>The natural phenomena here are unique and inspiring: towering icebergs, Aurora Borealis, and majestic animals (penguins, polar bears, whales).</p> <p>The Danger: The Woods Hole Oceanographic Institute, the world’s largest non-profit ocean research group, has predicted that 80 per cent of the emperor penguin population of Antarctica will be lost, and the rest in danger of extinction, if global warming continues. As sea ice disappears at the poles, so do entire ecosystems: the phytoplankton that grows under ice sheets feeds zooplankton and small crustaceans like krill, which are on the food chain for fish, seals, whales, polar bears and penguins. Studies predict that with continued warming, within 20 to 40 years, no ice will form in Antarctica.</p> <p><em>Images: Getty</em></p>

International Travel

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Streaming service giant pays woman 5 figures to watch content

<p dir="ltr">If you think you spend too much time on Amazon Prime, think again as one lucky lady has snatched up her “dream” job with the streaming service.</p> <p dir="ltr">The woman, Alex Bain, 36, has been dubbed Prime Video’s “Buff”, and her job entails reviewing content for Amazon Prime, which came after the platform searched nationwide to fill the role of watching new content.</p> <p dir="ltr">Here’s the real kicker, the 36-year-old will be paid $40,000 for three months of viewing new content and sharing her opinions. </p> <p dir="ltr">She is not new to the scene of content review as she frequently posts to her Instagram, TikTok and Youtube reviewing various TV shows and movies.</p> <p dir="ltr">Upon seeing the advertisement from Amazon Prime, one of Bain’s friends encouraged her to apply.</p> <p dir="ltr">“Everything on it, it was like seeing a list of what would be my ideal job,” Ms Bain told NCA <em>NewsWire</em>.</p> <p dir="ltr">“I’m 36, so I want to do something I’m passionate about, so I decided to just go for it.</p> <p dir="ltr">“I got a phone call from Amazon saying I’d been short-listed, and I was like, ‘Oh my God!’”</p> <p dir="ltr">She said the time between applying for the role and being told she was successful went “so quickly”.</p> <p><span id="docs-internal-guid-c71ed23d-7fff-9bd9-8a5d-10ebabd22f11"></span></p> <p dir="ltr">Not long after, she received the news she was the lucky one chosen to fill the role.</p> <p dir="ltr"><em>Image credit: Instagram</em></p>

TV

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Three common issues for retirees to watch out for

<p dir="ltr"> It can be hard to know what’s next around the bend of the road of life on a good day, and when it comes to retirement, uncertainty can rear its head faster than you can blink. </p> <p dir="ltr">Thankfully, there’s plenty of time to brace yourself, and prepare for what might be waiting. Understanding the most common problems people face is half the battle, and with these three quick explainers, you can take your new intel into your next planning session, and give yourself the head start of a lifetime. </p> <ol> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">New horizons </p> </li> </ol> <p dir="ltr">Change is hard, and the change of pace that comes with retirement can be a challenge to navigate. Many dream of holidaying during this time, buying that caravan they’ve talked about for years, doing those renovations to make home more comfortable or accessible, and spending more quality time with - as well as spoiling - loved ones. </p> <p dir="ltr">According to Senior Wealth Manager Clint McCalla, who spoke to <em>Forbes</em>, one of the biggest problems people face is not saving enough money to maintain the retirement lifestyle they’ve always dreamed of. Put simply, they “can’t afford to do the things they want to do.” </p> <p dir="ltr">“The other problem is boredom or a loss of purpose,” McCalla continued. “Also [we] see relationship issues emerge between significant others as you are now potentially spending more time together, which is an adjustment. </p> <p dir="ltr">“For anyone going through this transition, you need to be realistic about how quickly you adapt to a new lifestyle. It isn’t going to happen overnight. Take time to figure it out, and don’t pressure yourself to meet the expectations you had going into retirement.”</p> <ol start="2"> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">Money</p> </li> </ol> <p dir="ltr">Cash gets a mention in almost every discussion surrounding retirement, and this one is no different. Keeping your finances in order will not only give you peace of mind, but starting early will give you more opportunities moving forward, as you won’t be as limited when it comes to following your dreams.</p> <p dir="ltr">“The two cornerstone questions faced by those anticipating retirement are ‘am I going to be okay?’ and ‘can I afford to financially support the lifestyle I have worked all my life toward?’” Retirement Navigator’s Doug Dahmer explained. </p> <p dir="ltr">“People usually just don’t have enough to retire,” Bob Chitrathorn added, “they simply retire and will try to make do with what they have, without knowing how long the amount of money they have may or may not last.” </p> <p dir="ltr">And as Investment Adviser Derek Miser put it, “many people rely on their pension income to survive, and if this income is reduced due to higher retirement age, it can cause financial hardship. Health issues often become more prevalent in older age, and these may only be compounded by working longer.” </p> <ol start="3"> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">Thumb twiddling </p> </li> </ol> <p dir="ltr">Without a clear sense of purpose, many people spiral down the path of boredom. While having some disposable income to enjoy yourself can help, it doesn’t guarantee that you won’t one day find yourself sitting around and wondering what you want to do.</p> <p dir="ltr">So, it’s crucial to know what it is that makes you happy, what inspires you, and how to ensure you can keep on coming back to it - hobbies are a great example, whether they’re with others and something you can keep busy with on your own terms. </p> <p dir="ltr">“People need to contribute and have purpose in life,” explained Anna Rappaport, “if their main purpose was their job, they need to find a new passion and/or purpose.”</p> <p dir="ltr">“One of the main problems people face when they retire is a lack of purpose and meaning in their lives,” agreed Dennis Shirshikov. “Many retirees struggle with feelings of boredom, loneliness, and isolation, which can lead to depression and other mental health issues.”</p> <p dir="ltr"><em>Images: Getty </em></p>

Retirement Life

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7 must-know cruise rules

<p dir="ltr">A cruise has the potential to be the holiday of a lifetime, so it’s important to make sure you enjoy every second of it. </p> <p dir="ltr">And with these seven cruise etiquette guidelines, you’ll keep out of trouble, and make a few friends along the way - maybe even snagging the title of “everyone’s favourite passenger”. </p> <ol> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation"><strong>Loyalty is crucial </strong></p> </li> </ol> <p dir="ltr">Getting a trivia team together can be difficult, but once you’ve found the golden combination, don’t let go. Absolutely don’t drop a team member if they’d had a bad performance - we’ve all been there, knowing every capital city on Earth is a top tier challenge - and under no circumstances swap teams without warning. Just like in sports, once you’ve worn the jersey, those are your people and those are your players. Loyalty is golden, just like that first place medal that could soon be yours. </p> <ol start="2"> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation"><strong>Don’t overbook </strong></p> </li> </ol> <p dir="ltr">Nobody wants to turn up to the restaurant to learn that every table has been booked out, and yet not a single table is available. While cruise ships may not penalise passengers who book a table at every eatery to guarantee a space that night, you should always ring up and cancel the second you have no intention of going. And do it as far ahead of time as possible - give your fellow holidaymakers a chance to grab a bite, too. Sharing, after all, is caring. </p> <p dir="ltr">“If you make a dinner booking in a speciality restaurant and change your mind about going, follow the courtesy you'd show on land and cancel the reservation in advance,” Jana Frawley, Escape Content Director, said, “this is helpful for the staff, but also fellow guests who can now book in your place.” </p> <ol start="3"> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation"><strong>The crew are for everyone </strong></p> </li> </ol> <p dir="ltr">It’s well-known that some of the longest wait times on a cruise ship can be while you’re standing in line for your turn at the service desk. It’s recommended that passengers wait around 24 hours for non-emergencies, giving the ship’s crew the time they need to get set up, and finalise any preparations to give you the holiday of your dreams. And if your Wifi isn’t working from the first second, where’s the harm in admiring the gorgeous views you paid for? </p> <ol start="4"> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation"><strong>Get a watch </strong></p> </li> </ol> <p dir="ltr">The worst kind of tour companion is the late companion. Holding everyone else up because you weren’t keeping track of time on your shore trip will achieve one thing: frowns from everyone around you. And should you opt to head out on your own and leave every single person on board twiddling their thumbs? Good luck. </p> <ol start="5"> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation"><strong>Keep your gas out of the hot tub </strong></p> </li> </ol> <p dir="ltr">This one is fairly self-explanatory. The same rules apply in any spa back on land, and we all know exactly what those bubbles mean. </p> <ol start="6"> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation"><strong>Let them entertain you </strong></p> </li> </ol> <p dir="ltr">Let the staff do their jobs in peace - don’t touch, don’t heckle, don’t bother them with questions you know should be directed elsewhere. This especially goes for the entertainment director. While it’s their job to make you feel welcome, to make sure you have fun, to invite you into the cruising world, they’re still on the clock, and they still get breaks - so, let them. </p> <ol start="7"> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation"><strong>Germs-be-gone</strong></p> </li> </ol> <p dir="ltr">Unfortunately, being in any confined space for an extended period of time with hundreds of other people is bound to lead to at least one cold popping up for some unfortunate soul. And while it’s a miserable experience to be that person, knowing you’re missing out on things, it is absolutely vital that you do the right thing and stay away until you’re better. Don’t be responsible for bringing the entire passenger base down - there will be no forgetting that. </p> <p dir="ltr">“Just stay in your damned stateroom and order room service,” Simone Mitchell, Escape’s associate digital editor, said. “It sucks, yes, but it’s not a conspiracy to make your life difficult or unpleasant. It’s just bad luck.” </p> <p dir="ltr"><em>Images: Getty</em></p>

Cruising

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5 must-see TV shows for 2023

<p dir="ltr" role="presentation"><strong>1. Happy Valley</strong></p> <p dir="ltr">A British crime drama, set and filmed in the Calder Valley of West Yorkshire. The show follows a character, Catherine Cawood, a strong-willed police sergeant in West Yorkshire recovering from family trauma. Just as she thinks her life is back together, it takes a turn for the worst. </p> <p dir="ltr"><strong>2. Extraordinary </strong></p> <p dir="ltr">Jen, an 18-year-old, self-aware woman who lives in a world where everybody has a super power except her. This fresh comedy from first-time TV writer Emma Moran, introduces Jen, who remains powerless at the age of 25, desperately on the hunt to discover her gift, no matter what. </p> <p dir="ltr"><strong>3. Pamela, a love story</strong></p> <p dir="ltr">Take a dive into the history of Pamela Anderson with this documentary. From Playboy to the notorious Baywatch actress and tabloid sensation, Anderson’s life is complicated. The intimate documentary follows the trials and tribulations of simply being her. Based on a true story, made with her full permission. </p> <p dir="ltr"><strong>4. Nolly</strong></p> <p dir="ltr">This show follows British Soap star Noele Gordon as she navigates the reign and fall from grace. The three-part drama series follows the actress’ journey on the soap Crossroads, for which she starred in for 17 years. </p> <p dir="ltr"><strong>5. Best Interests</strong></p> <p dir="ltr">The show follows a couple who attempt to keep their daughter alive against medical advice. Be sure to keep tissues handy when you watch this four-part drama series because it is sure to tug on the heart strings. </p> <p dir="ltr"><em>Image credit: Getty</em></p>

TV

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The pleasure and pain of cinephilia: what happened when I watched Groundhog Day every day for a year

<p>“What would you do if you were stuck in one place, and every day was exactly the same, and nothing that you did mattered?” </p> <p>So asks time-stranded weatherman Phil Connors, played by Bill Murray, as he begins to come to grips with his predicament in the 1993 comedy classic <em>Groundhog Day</em>. </p> <p>On February 2, while reporting on the annual Groundhog Festival in the quaint Pennsylvanian town of Punxsutawney, Phil becomes trapped in a time warp where he lives the same day over and over again.</p> <p>In 2021 I was wrestling with the same question. Living in lockdown, I was feeling frustration, ennui, and like forward progress had ground to a halt. The circumstances created an opportunity to subject myself to a very unusual challenge: to watch the same film once a day, every day, for a year. </p> <p>As a film scholar and cinephile, I wanted to find out how well a movie would sustain this kind of viewing and what a viewer might get out of the experience. <em>Groundhog Day</em> was the natural candidate. </p> <p>On a Monday morning in September of 2021, I sat down on my couch and hit play.</p> <h2>The act of watching</h2> <p>In the first month, my primary engagement was with the narrative. </p> <p>Like many previous viewers, I found myself asking how long Phil was trapped in the loop for (my own approximation is 30 years, which sits between the 10 years offered by director Harold Ramis and the 10,000 years in the original screenplay by Danny Rubin). </p> <p>I questioned the credibility of Rita (Andie MacDowell) falling in love with Phil having only known him for a day. I wondered how much of Murray’s performance was improvised (in Rubin’s words, <a href="https://www.reddit.com/r/IAmA/comments/qhkyh/comment/c3xp27e/">some “colouring”</a> but proportionally less than is assumed).</p> <p>Gradually, my familiarity with the narrative led me to shift focus. Rewatching became about exploration, as I sought to discover details the average viewer may have missed. </p> <p>I began to notice the re-occurrence of certain extras from scene to scene, building my own narrative around their identities. I realised the boy in a wheelchair in the background of the hospital scene is the same boy Phil will eventually save from breaking his leg every day. </p> <p>I consumed as much extra material on the film as possible. <a href="https://howtowritegroundhogday.com/">Rubin’s screenplay</a> and accompanying commentary, film critic Ryan Gilbey’s <a href="https://www.bloomsbury.com/us/groundhog-day-9781838716035/">detailed monograph</a> and Harold Ramis’s commentary were all illuminating. I realise in hindsight that I was following my natural inclination as a scholar, to try to understand something more fully by diving more deeply into it. </p> <p>And then I reached the doldrums. </p> <h2>Shifting perspectives</h2> <p>By the midway point, my viewing had shifted into a mode of cataloguing and memorisation. Phil Connors’ weather reports ran through my head unbidden, and I had built myself a mental map of Punxsutawney to the extent I felt like I could give directions to a visitor. I began to talk to the film as it played. </p> <p>Some days, the viewing felt like a curse.</p> <p>When Rita discovers Phil’s dilemma, she says: “Maybe it’s not a curse. Maybe it depends on how you look at it.” </p> <p>My own shift in perspective came into play in the final three months. I found myself returning to the exploratory mode of viewing, encouraged by sharing and discussing theories with others who liked the film but who weren’t nutty enough to watch it hundreds of times.</p> <p>New theories emerged. </p> <p>I decided the bartender at the Pennsylvanian Hotel is clearly aware of Phil’s predicament (make note of his knowing looks and how quickly he serves them their favourite drinks), and that one of the Punxsutawney townspeople is clearly having an affair, as he can be seen visiting the Groundhog Festival with his wife and the banquet with his mistress. </p> <p>I’m not the first to posit <a href="https://www.cbr.com/groundhog-day-movie-theory-ned-ryerson-devil/">alternative readings</a> of the film, but I understood in my final stretch of viewing that a film can transform with us, revealing new layers from viewing to viewing. </p> <h2>Films as friends</h2> <p>In recent years, many scholars have examined the practice of repeat viewing, particularly with the emergence of technologies that provide flexibility to view when and where we like. </p> <p>Film theorist Barbara Klinger <a href="https://www.ucpress.edu/book/9780520245860/beyond-the-multiplex">suggests</a> familiar movies have the capacity to become our “friends” and she introduced the term “karaoke cinema” to describe the joy of deep familiarity and quotability, arguing this experience provides the audience with an element of both comfort and mastery.</p> <p>My experience certainly affirms her claims. Watching <em>Groundhog Day</em> every day for a year provided me with a deeper appreciation for how a film may contain multitudes – particularly those we choose to willingly re-experience. </p> <p>The legacy of <em>Groundhog Day</em> can be seen in the recurring appeal of the time loop narrative in TV shows and films such as Palm Springs, Russian Doll and Happy Death Day. </p> <p>And, like every piece of worthwhile art, it can also sustain its own deep interrogation and reveal to the curious rewatcher its multifaceted layers and dimensions.</p> <p>On reaching the finish line I was elated and celebrated with a final viewing on the big screen. I have a feeling it will be some time before I revisit the film, but it’s comforting to know it will be there when I’m ready, an old friend who welcomes visitors.</p> <p><em>Image credits: Columbia Pictures</em></p> <p><em>This article originally appeared on <a href="https://theconversation.com/the-pleasure-and-pain-of-cinephilia-what-happened-when-i-watched-groundhog-day-every-day-for-a-year-198668" target="_blank" rel="noopener">The Conversation</a>. </em></p>

Movies

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Readers Respond: What did you learn about relationships from watching your parents?

<p>We often emulate the love we received, but we also learn from the mistakes our parents have made. That is the cycle of life.</p> <p>Whether or not our parents' relationships were great, there were always lessons we learned from watching their interactions. </p> <p>We asked our Over60 readers about the valuable lessons in love they’ve learned through their parents' relationship. Here are some of your answers: </p> <p>Sue Petersen - Closeness. They were each other’s best friend. </p> <p>Noela Tziarkas- Respect, patience, loyalty. I was very lucky to have wonderful parents and a blessed childhood.</p> <p>Paulette Bakker - The love, friendship, respect, loyalty for each other, u wavering support, humour. Empathy and joy of being together. So much more. I was lucky to find the same with my husband</p> <p>Teresa James- Faithfulness, resilience, love, respect, responsibility.</p> <p>Denise Fernance - Not much I’m afraid. I never heard ‘I love you’ from them so therefore found it difficult to introduce in to our family but I have as it’s just sooo important. There was no relationship between them that I can recall. Their marriage ended in a nasty divorce resulting in my mother suffering a massive stroke. So, what did I learn? I learnt the best thing in life is to love unconditionally and I do.</p> <p>Margaret Bonnington- My parents never ever had a disagreement in front of us. They maintained that they must always go to bed on good terms. They couldn’t keep from touching each other. They were devoted.</p> <p>Thea Matto- How to be amazing parents and love unconditionally</p> <p><em>Image: Getty</em></p> <p> </p>

Relationships

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Watching Casablanca on its 80th anniversary, we remain in awe of its simplicity – and profound depth

<p>In November 1942, a romantic drama directed by a Hungarian immigrant and starring an ex-naval officer and an obscure Swedish actress was released. The film began shooting without a finished script.</p> <p>Many at Warner Brothers Studios thought the film would quickly disappear into obscurity.</p> <p>It would end up winning three Academy Awards (for best picture, director Michael Curtiz, and screenplay), starred the iconic pair Humphrey Bogart and Ingrid Bergman alongside a host of recognisable supporting players, featured a lush score and evocative set design, and contained endlessly quotable lines. Its reputation grows and grows.</p> <p>Casablanca has become one of Hollywood’s most beloved films.</p> <figure><iframe src="https://www.youtube.com/embed/MF7JH_54d8c?wmode=transparent&amp;start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe></figure> <p><strong>A film of vivid moments</strong></p> <p>Casablanca is a heady mix of romance, cynicism, thrills and danger. Based on an unproduced play, Everybody Comes to Rick’s, the film mainly takes place in a night-club run by Bogart in the Moroccan city during the second world war.</p> <p>Rick’s Café is where desperate refugees try to get hold of illegal exit visas to America. Complications – with Nazi officials and officious French bureaucrats – ensue.</p> <p>One night, Rick’s old flame Ilsa (Bergman) turns up with her resistance leader husband in search of safe passage to the States. Cue the famous line:</p> <blockquote> <p>Of all the gin joints, in all the towns, in all the world, she walks into mine.</p> </blockquote> <figure><iframe src="https://www.youtube.com/embed/3vvlmh_xVRQ?wmode=transparent&amp;start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe></figure> <p>It is full of vivid moments: Bogart and Bergman drinking champagne in Paris, Sydney Greenstreet in a fez, Peter Lorre trying to escape, Dooley Wilson sitting at the piano and singing THAT song.</p> <p>Its production was fast-tracked to <a href="https://nypost.com/2017/12/04/an-accidental-classic-casablanca-turns-75/">take advantage</a> of the recent Allied invasion of North Africa. Casablanca was originally scheduled for an early 1943 release, but Warner Brothers capitalised on the resounding success of the US-led invasion, which in turn boosted box office receipts.</p> <p>Casablanca would go into wide release on January 23 1943, to coincide with the <a href="https://en.wikipedia.org/wiki/Casablanca_Conference">Casablanca Conference</a>, a strategic meeting between Winston Churchill and Franklin D. Roosevelt.</p> <p><strong>A political allegory</strong></p> <p>Casablanca’s clearest theme is that neutrality – whether in war or in love – is difficult to maintain.</p> <p>At the outset, Rick is staunchly apolitical: he is jaded, unmoved by the refugee crisis unfolding around him.</p> <p>But we also learn Rick has been involved in political causes, supporting losing sides against the Fascists in Spain and Ethiopia. The film traces that ambivalence through Bogart’s masterful performance. His cynicism gradually softens once Ilsa turns up, and his animosity to the Nazi chief Strasser grows.</p> <p>This political about-face comes to a head in one of the greatest scenes in Hollywood cinema: the singing of <em>La Marseillaise</em> at Rick’s Café in full defiance of the Nazi officers belting out a German anthem.</p> <p>It is a deeply patriotic and uplifting scene, and reminds us of cinema’s power to engage us, move us and make us cheer.</p> <figure><iframe src="https://www.youtube.com/embed/SEJHJ_WfNgU?wmode=transparent&amp;start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe></figure> <p>It also turns the night-club into a microcosm for the war, with it multinational clientele and the competing strands of partisanship, neutrality, aggression and political commitment.</p> <p>For an America wary of entering the European theatre, scenes like this reminded audiences of the need to fight injustice, intolerance and belligerence.</p> <p><strong>Remembering Ingrid Bergman</strong></p> <p>It is worth dwelling on Ingrid Bergman’s <a href="http://mercurie.blogspot.com/2016/08/ingrid-bergman-in-casablanca.html">luminescent performance</a>.</p> <p>She plays the role of a woman who never displays where her romantic allegiances lie. Should she leave with Lazslo to America, or should she go back to Rick, and rekindle a love affair that ended abruptly in Paris?</p> <p>The ambiguity in Bergman’s performance is due in large part to both a script that was constantly being rewritten and Curtiz’s indecision on how the film should end. But it is also a reminder of Bergman’s greatness.</p> <p>The critic Roger Ebert <a href="https://www.rogerebert.com/reviews/elena-and-her-men-1987">once noted</a>:</p> <blockquote> <p>[Bergman] doesn’t simply gaze at [a man’s] eyes, as so many actresses do, their thoughts on the next line of dialogue. She peers into the eyes, searching for meaning and clues, and when she is in a close two-shot with an actor, watch the way her own eyes reflect the most minute changes in his expression.</p> </blockquote> <p>Her scenes with Bogart exemplify this approach.</p> <p>Many film historians argue Casablanca’s greatness is due to <a href="https://www.google.com.au/books/edition/The_ABCs_of_Classic_Hollywood/GDppAgAAQBAJ?hl=en&amp;gbpv=1&amp;dq=casablanca+invisible,+style&amp;pg=PA58&amp;printsec=frontcover">its “invisible” style</a>: there are no flashy camera movements, or ostentatious cuts, or “look at me” acting.</p> <p>French film critic André Bazin once famously attributed the success of Hollywood studio films to “<a href="http://www.davidbordwell.net/blog/2010/09/22/what-makes-hollywood-run/">the genius of the system</a>”.</p> <p>Films like Casablanca succeeded because they were made within a thriving ecosystem that placed storytelling, creative expertise, and cast and crew competence at the heart of its artistic practice.</p> <p>And Casablanca’s script remains unbeatable. It’s worth remembering the lines of dialogue that have stayed with us ever since: “Here’s looking at you, kid”; “This is the beginning of a beautiful friendship”; “We’ll always have Paris”; and “Round up the usual suspects”.</p> <p><strong>Casablanca’s afterlife</strong></p> <p>Casablanca’s legacy is long-lasting.</p> <p>Today, <a href="https://en.wikipedia.org/wiki/AFI%27s_100_Years...100_Movies_(10th_Anniversary_Edition)">it ranks third</a> on the American Film Institute’s 100 best movies of the last 100 years, and it is <a href="https://tvtropes.org/pmwiki/pmwiki.php/ReferencedBy/Casablanca">one of the most referenced films</a> of all time.</p> <p>Scholars love the film for its <a href="http://www.nihonbunka.com/blog/archives/000118.html">Freudian intertexts</a>, while others see the title <em>casa blanca</em> – “white house” in Spanish – <a href="https://www.jstor.org/stable/3814999">as a symbol</a> for American foreign policy.</p> <p>The Italian novelist Umberto Eco <a href="https://biblioklept.org/2013/05/26/casablanca-or-the-cliches-are-having-a-ball-umberto-eco/">wrote</a> Casablanca was “not just one film. It is many films […] it is a phenomenon worthy of awe”.</p> <p>Watched today, we remain in awe of its simplicity, but also of its profound depth.<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/192186/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em>Writen by Ben McCann. Republished with permission from <a href="https://theconversation.com/watching-casablanca-on-its-80th-anniversary-we-remain-in-awe-of-its-simplicity-and-profound-depth-192186" target="_blank" rel="noopener">The Conversation</a>.</em></p> <p><em>Image: Getty Images</em></p>

Movies

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Coastal property prices and climate risks are both soaring. We must pull our heads out of the sand

<p>Australians’ <a href="https://www.nfsa.gov.au/collection/curated/australians-beach">well-documented</a> affinity with the sun, surf and sand continues to fuel <a href="https://www.smh.com.au/property/news/stunning-holiday-hotspots-where-house-prices-have-doubled-in-five-years-20221109-p5bwuk.html">coastal property market growth</a>. This growth defies rising interest rates and growing evidence of the <a href="https://www.theguardian.com/australia-news/2020/jul/23/against-the-tide-storm-battered-wamberal-residents-cling-to-beachfront-homes">impacts of climate change</a> on people living in vulnerable coastal locations.</p> <p>People in these areas are finding it harder to insure their properties against these risks. Insurers view the Australian market as sensitive to climate risks, as climate change impacts can trigger large insurance payouts. They are <a href="https://www.theguardian.com/australia-news/2022/nov/12/australians-facing-prohibitive-insurance-premiums-after-climate-related-disasters">pricing their products accordingly</a>.</p> <p>Clearly, there is a vast disconnect between the coastal property market and climate change impacts such as increasingly severe storms, tidal surges, coastal erosion and flooding. There is no shortage of <a href="https://www.smh.com.au/business/banking-and-finance/32-billion-of-cba-mortgages-exposed-to-extreme-weather-risks-climate-analysis-finds-20220819-p5bb5p.html">reports</a>, <a href="https://www.climatecouncil.org.au/resources/australian-homes-uninsurable-2030-climate-risk-map/">studies</a> and <a href="https://www.abc.net.au/news/2022-11-18/gold-coast-council-additional-88-000-properties-at-flood-risk/101664596">analyses</a> confirming the climate risks we are already living with. Yet another alarming <a href="https://www.csiro.au/en/research/environmental-impacts/climate-change/State-of-the-Climate">State of the Climate</a> report was released last week.</p> <p>We keep talking about reaching global net-zero emissions. But this “<a href="https://www.youtube.com/watch?v=ZwD1kG4PI0w">blah blah blah</a>” masks the fact that climate impacts are already with us. Even if we make deeper, faster cuts to emissions, as we must, our world is now warmer. Australians will <a href="https://www.science.org.au/supporting-science/science-policy-and-analysis/reports-and-publications/risks-australia-three-degrees-c-warmer-world">feel the effects of that warming</a>.</p> <p>We ultimately cannot afford the price of business as usual, as embodied by so many coastal developments.</p> <figure><iframe src="https://www.youtube.com/embed/ZwD1kG4PI0w?wmode=transparent&amp;start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe><figcaption><span class="caption">Greta Thunberg denounces the ‘blah, blah, blah’ from world leaders in response to the climate emergency.</span></figcaption></figure> <p><strong>Risks are worrying banks and insurers</strong></p> <p>In Australia, the disasters and the environmental collapse we are experiencing will get worse. While a range of businesses see this as opening up <a href="https://www.accc.gov.au/media-release/accc-internet-sweeps-target-greenwashing-fake-online-reviews">new market and product frontiers</a>, the fact is climate change is creating a fundamentally uncertain, unstable and difficult world.</p> <p>Banks have a <a href="https://law-store.wolterskluwer.com/s/product/banking-on-climate-change-how-finance-actors-regulatory-regimes/01t0f00000J3aMk">central role</a> in addressing climate risks. They are <a href="https://theconversation.com/how-can-your-bank-help-reduce-climate-change-risks-to-your-home-60049">exposed to climate risk</a> through residential lending on properties that are vulnerable to climate impacts and now <a href="https://www.theguardian.com/australia-news/2022/nov/26/australias-unraveling-climate-risk-leaving-more-homes-uninsurable-against-flooding-expert-warns">face insurance pressures</a>.</p> <p>One in 25 Australian homes are <a href="https://www.climatecouncil.org.au/resources/australian-homes-uninsurable-2030-climate-risk-map/">projected to be uninsurable by 2030</a>. The Australian government risks bearing the large costs of supporting the underinsured or uninsured – otherwise known as <a href="https://www.pc.gov.au/inquiries/completed/disaster-funding/report">being “the insurer of last resort”</a>.</p> <p>This costly legacy shows why planning decisions made now must take account of climate change impacts, and <a href="https://link.springer.com/article/10.1007/s40641-020-00161-z">not just in the wake of disasters</a>.</p> <p>The rapidly escalating impacts and risks across sectors demand that we undertake mitigation and adaptation at the same time, urgently and on a large scale. This means reducing emissions to negative levels – not just reaching net zero and transitioning our energy sector, but also actively removing greenhouse gases from the atmosphere.</p> <p>We must also respond to climate change risks already locked into the system. We have to make substantial changes in how we think about, treat, price and act on these risks.</p> <blockquote class="twitter-tweet"> <p dir="ltr" lang="en">Australia’s ‘unraveling’ climate risk leaving more homes uninsurable against flooding, expert warns <a href="https://t.co/cLj1SKei72">https://t.co/cLj1SKei72</a></p> <p>— Guardian Australia (@GuardianAus) <a href="https://twitter.com/GuardianAus/status/1596294943529893888?ref_src=twsrc%5Etfw">November 26, 2022</a></p></blockquote> <p><strong>As the climate shifts, so must our coastal dream</strong></p> <p>The consequences of a warming climate, including reaching and crossing tipping points in the Earth’s weather systems, are <a href="https://www.science.org/doi/10.1126/science.abn7950#core-collateral-purchase-access">occurring sooner than anticipated</a>. The required behavioural, institutional and structural changes are vast and challenging.</p> <p>People are often attached to places based on <a href="https://rgs-ibg.onlinelibrary.wiley.com/doi/abs/10.1111/tran.12368">historical knowledge</a> of them. These lived experiences, while important, inform a worldview based on an understanding of our environment before the <a href="https://link.springer.com/chapter/10.1007/978-981-19-2428-6_2">rapid onset</a> of climate change. This can skew our climate risk responses, but compounding climate impacts are outpacing our ability to adapt as we might have in the past.</p> <p>Institutional signalling, such as <a href="https://www.smh.com.au/business/the-economy/property-values-are-at-risk-in-climate-change-hot-spots-rba-warns-20210917-p58skt.html">warnings by the Reserve Bank</a>, support greater public awareness of climate impacts and risks.</p> <p>When buying a property, people need to consider these factors more seriously than, say, having an extra bathroom. Obligatory disclosure of regional climate change impacts could inform buyers’ decision-making. The data and models used would have to be clear on the validity and limitations of their scenarios.</p> <blockquote class="twitter-tweet"> <p dir="ltr" lang="en">A great presentation from <a href="https://twitter.com/Tayanah?ref_src=twsrc%5Etfw">@Tayanah</a> at the <a href="https://twitter.com/hashtag/C2C2021?src=hash&amp;ref_src=twsrc%5Etfw">#C2C2021</a> about the legal status of property rights in Australia enabling (or otherwise...) managed retreat as a <a href="https://twitter.com/hashtag/climateadaptation?src=hash&amp;ref_src=twsrc%5Etfw">#climateadaptation</a> solution. Once again we find the climate projections are ahead of our legal preced…<a href="https://t.co/XgDVV5O0Gj">https://t.co/XgDVV5O0Gj</a></p> <p>— Anthony Boxshall (@ScienceN2Action) <a href="https://twitter.com/ScienceN2Action/status/1420173588217303044?ref_src=twsrc%5Etfw">July 28, 2021</a></p></blockquote> <p><strong>Nature-based and equitable solutions</strong></p> <p>In recent years there has been an increasing focus on nature-based solutions. This approach uses natural systems and tools for tackling societal issues such as the enormous and complex risks posed by climate change. Indeed, many Indigenous peoples, communities and ways of knowing <a href="https://www.facetsjournal.com/doi/full/10.1139/facets-2019-0058">have long recognised</a> the fundamental role of nature in making good and safe lives possible for people.</p> <p>Nature-based solutions provide a suite of valuable tools for remedying issues we’re already facing on coasts. <a href="https://www.sciencedirect.com/science/article/abs/pii/S0964569121000399">For example</a>, in many contexts, building hard seawalls is often a temporary solution, which instils a false sense of security. Planting soft barriers such as mangroves and dense, deep-rooting vegetation can provide a more enduring solution. It also restores fish habitat, purifies water and eases floods.</p> <p>Acknowledging the well-being of people and nature as interconnected has important implications for decisions about relocating people from high-risk areas. Effective planned retreat strategies must not only get people out of harm’s way, but account for where they will move and how precious ecosystems will be protected as demand for land supply shifts. Nature-based solutions must be built into retreat policies too.</p> <p>As the Australian Academy of Science’s <a href="https://www.science.org.au/news-and-events/events/launch-national-strategy-just-adaptation">Strategy for Just Adaptation</a> explains, effective adaptation also embeds equity and justice in the process. <a href="https://link.springer.com/article/10.1007/s10584-019-02535-1">Research</a> on historic retreat strategies has shown that a failure to properly consider and respect people’s choices, resources and histories can further entrench inequities. Giving people moving to a new home as much choice as possible helps them work through an emotional and <a href="https://www.sciencedirect.com/science/article/abs/pii/S0964569116301119">highly political process</a>.</p> <p>We all need to find the courage to have difficult conversations, to seek information to make prudent choices, and to do all we can to respond to the growing climate risks that confront us. As climate activist Greta Thunburg <a href="https://www.youtube.com/watch?v=ZwD1kG4PI0w">says</a>:</p> <blockquote> <p>“Hope is not passive. Hope is not blah blah blah. Hope is telling the truth. Hope is taking action. And hope always comes from the people.”</p> </blockquote> <p>Acting on this kind of hope can put us on an altogether different and more positive path.<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/195357/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em>Writen by Tayanah O'Donnell and Eleanor Robson. Republished with permission from <a href="https://theconversation.com/coastal-property-prices-and-climate-risks-are-both-soaring-we-must-pull-our-heads-out-of-the-sand-195357" target="_blank" rel="noopener">The Conversation</a>.</em></p> <p><em>Image: Getty Images</em></p>

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