Money & Banking

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Kmart worker spills three secrets that’ll save you cash

<p>A Kmart worker has spilled three shopping “secrets” she claims will get you better discounts and treatment in store.</p> <p>Georgia Cook from Sydney shared three tips on TikTok, where it received a lot of attention from bargain hunters.</p> <p>The 23-year-old answered questions from those who wanted to know more, much to the delight of bargain hunters.</p> <p>“We give a 20 per cent or more if something is damaged, just ask,” Georgia said in the video, which was her first tip.</p> <p>She went on to say that “half the workers don’t know where stuff is either”, which is the second tip.</p> <p>The third and final tip was the one that delighted bargain hunters the most, with Georgia saying that “if you ask us if something is out of stock, we will say yes if you’re rude and annoying”.</p> <p>One woman was quick to dispute Georgia’s claims, saying that she was only given a 5 percent discount for her damaged goods.</p> <p>“All Kmarts are different for damaged items, that’s what we do with ours. It’s more if you accidentally bring a damaged item up and you still want it, you can ask for a discount,” Georgia replied.</p> <p>Not everyone was happy with the tips, saying that it was “your job” to show people where items are, even if they were unkind.</p> <p>“I worked retail and even if someone was rude I’d check because that’s what I was getting paid to do,” one said.</p> <p>Others warned she could “lose her job over this” to which she replied: “I didn’t expect it to blow up.”</p> <p>Georgia’s TikTok is now on private and it is unknown if she has lost her job due to the popularity of the video.</p>

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Man falls for scammer who posed as Olivia Newton-John

<p><span>A 74-year-old man has admitted he was tricked into believing he had developed a wonderful connection with Australian actress Olivia Newton-John.</span><br /><br /><span>Mr Martinetti is an award-winning cinematographer who had worked with the Aussie starlet on the film The Wilde Girls.</span><br /><br /><span>“I met Olivia and it was like working with any other actor. My job is the same, I have to make them look good, which I did,” he told the program.</span><br /><br /><span>“I got a nice picture with her and that’s what started this whole saga.”</span></p> <p><img style="width: 500px; height: 281.25px;" src="https://oversixtydev.blob.core.windows.net/media/7836224/olivia-newton-john-scam-1.jpg" alt="" data-udi="umb://media/1cb9421fab0142f59c1d324cb696ffc6" /><br /><br /><span>He shared the picture to an Olivia Newton-John fan page and shortly after doing so, received a message from a person with the Facebook name Dame Olivia.</span><br /><br /><span>“I almost fainted. I had been looking at this picture and thinking about her and here she comes into my life. I couldn’t believe it,” he said.</span><br /><br /><span>“I think it was a moment of weakness. Emotionally I was weak and that’s how they got me.”</span><br /><br /><span>As the two continued to talk, the person disguised as Ms Newton-John told him she was now divorced and was lonely.</span><br /><br /><span>He said she also told him he was “handsome”.</span></p> <p><img style="width: 500px; height: 281.25px;" src="https://oversixtydev.blob.core.windows.net/media/7836223/olivia-newton-john-scam-2.jpg" alt="" data-udi="umb://media/26121f4510754c03b9b1e6e1f1b78cd6" /><br /><br /><span>“I started to feel sorry for her, I thought, ‘oh poor Olivia, she doesn’t deserve all this, she’s such a beautiful human being’,” he said.</span><br /><br /><span>The senior man says he was told he must keep their conversations private, and would have to communicate on the app Telegram.</span><br /><br /><span>The pair talked about meeting each other but the fake Dame Olivia told him that if he wanted them to meet, he would have to pay to cover the costs of her food and hotel room.</span><br /><br /><span>“If you want to have a coffee with Olivia it costs $2000 and if you want to go to a restaurant it costs $5000. I thought ‘this is weird but it must be the way she earns money’,” Mr Martinetti said.</span><br /><br /><span>“I was thinking I didn’t want to be disrespectful to her. Can you say ‘piss off’ to Olivia Newton-John? I don’t think so.”</span><br /><br /><span>He arranged to meet her and ended up paying a whopping $13,000 into two separate Melbourne bank accounts.</span><br /><br /><span>One belonged to a Mary Busuttil and the other a Thelma Fiasco.</span><br /><br /><span>However, the meeting never occurred and Mr Martinetti was hit with the sudden realisation that he had been scammed.</span><br /><br /><span>Mr Martinetti continued talking with the fake account, and eventually convinced them to give an address where he could send money to.</span><br /><br /><span>He gave this information and the conversations to the Gold Coast Police but claims they weren’t interested in taking on the case.</span><br /><br /><span>It was then Mr Martinetti partnered up with A Current Affair who tracked down the scammer by going to the address in Craigieburn, Melbourne, he had been given under the pretence of dropping off more money.</span><br /><br /><span>That address turned out to be the home of Ms Busuttil who was a scam victim just like Mr Martinetti and had no idea of what had been tangled up in.</span><br /><br /><span>“I think it is disgusting. I think that people that prey on other people based on trust and their feelings, to me they are the worst scum in the world,” Mr Martinetti said.</span><br /><br /><span>The scammer behind the Dame Olivia Facebook profile eventually slipped up by accidentally switching the profile picture to their real photo.</span><br /><br /><span>A man called Fidelis Ilechie, was listed as the owner of the account Mr Martinetti believed belonged to Olivia Newton-John.</span><br /><br /><span>Mr Martinetti and Ms Busuttil have filed reports with Victoria and Queensland Police who are now investigating the incidents.</span></p> <p><span><em>Image: Facebook.</em></span></p>

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Not fair! Aldi shopper with huge Special Buys haul sparks fury

<p>A group of Aldi shoppers have slammed a man online after he bought a haul of Special Buys items in one go.</p> <p>As keen shoppers rushed to the store to get a $69.99 Stand Mixer when they hit the shelves, many walked away empty handed due to limited stock.</p> <p>However, an annoyed shopper who was disgruntled that they missed out took to Facebook to slam a man for buying six when they couldn’t even purchase one.</p> <p>She posted to the Aldi Mums Facebook page explaining the situation.</p> <p>“I went to Aldi this morning at 8.30 am to buy a stand mixer from Special Buys today,” she posted in the group.</p> <p>“I end up having nothing at 8.35 am because of this. Is it fair? As per ALDI staff, they can't put any limits on Special Buys. That guy ended up buying six of the stand mixers.”</p> <p>People in the group were quick to agree, saying that there should be a limit on how many you can purchase in one go.</p> <p>“Two is ok but not six, they should limit it,” one user wrote on the post.</p> <p>“Not fair at all. This always happens,” another user agreed.</p> <p>Some commenters were curious as to why he had bought so many.</p> <p>“And I bet he will sell them for more online. I hate people who do that,” one user commented.</p> <p>Others jumped to the defence of the man, saying he can purchase whatever he likes.</p> <p>“It's his business of why he had so many, not for the rest of Australia to judge,” one user wrote.</p> <p>“Maybe he's the nominated shopper for the street? Maybe he has a big family? Maybe we should mind our own business,” another commented.</p> <p>“Don't know who's worse… The guy with the trolley or the person taking the photo,” another added.</p>

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Hiding in plain sight: Bizarre $10 note conspiracy theory

<p>A cohort of Australian conspiracy theorists has claimed they found “proof” of an organised coronavirus conspiracy on the $10 note.</p> <p>Some “COVID-19 truthers” said the sign of a global conspiracy is featured on the Australian $10 banknote in the form of a gold reflective illustration.</p> <p>“The new $10 Australian note complete with corona virus symbols. You can’t make this up!” one Facebook post read.</p> <p>The coronavirus conspiracy movement, which has led to small protests in Sydney and Melbourne in recent weeks, reportedly believe the pandemic is an orchestrated effort by billionaires and governments to force vaccinations on the general population.</p> <p><img style="width: 500px; height: 281.25px; display: block; margin-left: auto; margin-right: auto;" src="https://oversixtydev.blob.core.windows.net/media/7836144/embed.jpg" alt="" data-udi="umb://media/867ee92f4dd04f68bdf656e11078bd70" /></p> <p>The Reserve Bank said the $10 note feature is an illustrated version of Bramble Wattle.</p> <p>“Tilt the banknote to see a rolling colour effect, which is visible on both sides of the banknote,” the Reserve Bank said on its website.</p> <p>“The feature appears on each denomination of the Next Generation Banknotes series, with a different type of wattle depicted in the design on each banknote. In this instance, the design framing the feature is a designer’s interpretation of Bramble Wattle.”</p> <p>Katie Attwell from the University of Western Australia said conspiracies receive “worrying” level of traction because of the uncertainty the general public is facing.</p> <p>“The general public is uncertain, afraid, and experiencing cognitive impairment from the strain of it all,” Attwell wrote on <em><a href="https://theconversation.com/coronavirus-anti-vaxxers-arent-a-huge-threat-yet-how-do-we-keep-it-that-way-138531">The Conversation</a></em>.</p> <p>“Governments overseas, most notably the US government, have failed dismally in responding efficiently to COVID-19. This has the potential to devastate citizens’ trust.</p> <p>“In this volatile cocktail, the distinction between what is ‘bats**t crazy’ and what is worryingly plausible starts to break down.”</p> <p>In a <a href="https://10daily.com.au/news/a200519xdyqc/one-in-eight-australians-believes-bill-gates-is-responsible-for-coronavirus-and-wow-20200519">recent survey of 1,073 Australians</a>, one in eight said they believe Microsoft founder Bill Gates is somehow responsible for the coronavirus and the 5G wireless network is spreading the disease.</p> <p>“For those who reject these premises, it’s hard to understand how conspiracists sustain this alternative reality. But for those with long histories of rejecting government and expert authority, it’s completely conceivable,” Attwell said.</p> <p>“Many of those who reject vaccines, or strenuously object to COVID-19 health measures, are influenced by interconnected social groups with clear identities.”</p> <p>Attwell said it might be best to “quietly ignore” lockdown protesters to stop the spread of misinformation, “like a parent walking away from their child’s supermarket tantrum”.</p> <p>“When we walk away from a child having a tantrum in a supermarket, we are also saving them from themselves – even if they can’t appreciate it.”</p>

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New Zealand’s most Trusted Brands revealed

<p>When it comes to New Zealand’s most trusted brand, Whittaker’s is again the best on the block.</p> <p>Whittaker’s has been voted by New Zealanders as the Most Trusted of all Brands in the annual 2020 Reader’s Digest survey. It’s the ninth consecutive year the iconic chocolate brand has won the overall title.</p> <p>Whittaker’s, which has been “crafting NZ’s finest chocolate since 1896,” has also been confectionery category winner every year since 2011, as well as winner of the NZ Iconic Brand accolade since 2013. That’s according to the results, released today, of the Reader’s Digest-commissioned survey conducted by Catalyst Research.</p> <p>Reader’s Digest Australasian editor-in-chief Louise Waterson says nine consecutive years as a Trusted Brands superstar is an amazing result and unprecedented across the Australasia region.</p> <p>The annual Reader’s Digest Survey is in its 21st year and has grown over the years to include 69 categories of products and services, reflecting a broad range of industries. A total of 1601 New Zealanders from a broad demographic were asked to select three of their most trusted brands for each category. They then rated those brands on the 1-10 scale for trust.</p> <p>Ms Waterson says being considered so trustworthy comes with responsibilities. Maintaining a top rank involves a genuine commitment to protect and fulfil the promises made to the consumer, she says.</p> <p>It appears many NZ companies are comfortable with that commitment; Whittaker’s is far from the only NZ brand to win the right to a podium placing over many consecutive years. Others noted by New Zealanders for consistently being genuine, authentic and reliable include Panadol as 11- time winners, as well as Dettol, Healtheries and AA Insurance – which are all 10-time winners in their respective categories.</p> <p>Resene is a ninth-time winner; Harcourts has taken top spot for all eight years its category has been included in the survey; and Ryman Health Care has scored top place six years out of seven in its sector. St John New Zealand (Most Trusted charity), G.J. Gardner, Yates, Sleepyhead, and Cavalier Bremworth are examples of other repeated winners.</p> <p>Some brands join Whittaker’s in scoring more than one award each year. Fisher &amp; Paykel, for example, has cleaned up the Laundry Appliance category, as well as the Large Kitchen Appliances and Cooking Appliances categories.</p> <p>The 2020 category winners are as follows:</p> <p><strong>Aged Care &amp; Retirement Villages</strong> – Ryman Healthcare; </p> <p><strong>Banks</strong> – Kiwibank; </p> <p><strong>BBQs</strong> – Weber; </p> <p><strong>Beds</strong> – Sleepyhead; </p> <p><strong>Bicycles</strong> – Avanti; </p> <p><strong>Biscuits</strong> – Griffins; </p> <p><strong>Bread</strong> – Vogels; </p> <p><strong>Breakfast food</strong> – Sanitarium; </p> <p><strong>Cars</strong> – Toyota; </p> <p><strong>Car care products</strong> – Turtle Wax; </p> <p><strong>Car rental companies</strong> – Avis; </p> <p><strong>Carpet</strong> – Cavalier Bremworth; </p> <p><strong>Charities</strong> – St John New Zealand; </p> <p><strong>Cheese</strong> – Mainland; </p> <p><strong>Cleaning products</strong> – Dettol; </p> <p><strong>Coffee machines</strong> – Breville; </p> <p><strong>Confectionery</strong> – Whittaker’s; </p> <p><strong>Cooking appliances</strong> – Fisher &amp; Paykel; </p> <p><strong>Cooking Stocks</strong> – Campbell’s Real Stock; </p> <p><strong>Crackers</strong> – Huntley &amp; Palmers; </p> <p><strong>Digital cameras</strong> – Canon; </p> <p><strong>DIY power tools</strong> (drills, saws, sanders etc) – Bosch; </p> <p><strong>Dog food</strong> – Tux (Purina); </p> <p><strong>Electronics</strong> (TV &amp; home entertainment) – Samsung; </p> <p><strong>Fruit &amp; herbal tea</strong> – Dilmah; </p> <p><strong>Garages &amp; sleepouts</strong> – Versatile Homes &amp; Buildings; </p> <p><strong>Garden power tools</strong> (hedge trimmers, chainsaws etc) – Stihl; </p> <p><strong>Electrical appliance stores</strong> – Noel Leeming; </p> <p><strong>Gardening products</strong> (seeds, fertilisers, soils etc) – Yates; </p> <p><strong>General insurance</strong> (home, contents, car) – AA Insurance; </p> <p><strong>Glues &amp; construction adhesives</strong> – Selleys; </p> <p><strong>Hair care</strong> – Head &amp; Shoulders; </p> <p><strong>Health insurance</strong> – Southern Cross Health Society; </p> <p><strong>Hearing services</strong> – Bay Audiology; </p> <p><strong>Heat pumps</strong> – Fujitsu; </p> <p><strong>Home builders</strong> – G.J. Gardner; </p> <p><strong>Home improvement stores </strong>– Mitre 10;</p> <p><strong>Ice cream</strong> – Tip Top; </p> <p><strong>Jewellers</strong> – Michael Hill Jeweller; </p> <p><strong>Kitchen designer and manufacturers</strong> – Kitchen Studio; </p> <p><strong>Large kitchen appliances</strong> – Fisher &amp; Paykel; </p> <p><strong>Laundry appliances</strong> – Fisher &amp; Paykel; </p> <p><strong>Laundry detergent</strong> - Persil; </p> <p><strong>Lawnmowers</strong> – Masport; </p> <p><strong>Life insurance </strong>– AA Life;</p> <p><strong>Manufacturer certified used car sales</strong> – Toyota Signature Class; </p> <p><strong>Marine engine</strong> – Yamaha; </p> <p><strong>Milk</strong> – Anchor; </p> <p><strong>Kindergarten centre operators</strong> – BestStart; </p> <p><strong>Muesli &amp; snacks</strong> – Nice &amp; Natural; </p> <p><strong>NZ Wines</strong> – Villa Maria; </p> <p><strong>Optometrists</strong> – Specsavers; </p> <p><strong>Pain relief</strong> – Panadol; </p> <p><strong>Paint</strong> – Resene; </p> <p><strong>Real estate agencies</strong> – Harcourts; </p> <p><strong>Retailer</strong> (excluding supermarkets and home improvement stores) – The Warehouse; </p> <p><strong>Sealants &amp; fillers</strong> – Selleys; </p> <p><strong>Skin care</strong> (anti-ageing) Nivea; </p> <p><strong>Small kitchen appliances</strong> – Breville; </p> <p><strong>Supermarket / home brand</strong> – Pams; </p> <p><strong>Supermarkets</strong> – Pak’nSave; </p> <p><strong>Tea</strong> – Dilmah; </p> <p><strong>Tyres</strong> – Bridgestone; </p> <p><strong>Vacuum cleaners</strong> – Dyson; </p> <p><strong>Vegetarian food</strong> – Lisa’s Hummus; </p> <p><strong>Vitamin &amp; Supplements</strong> – Healtheries; </p> <p><strong>Soups</strong> – Watties; </p> <p><strong>Used vehicle dealership</strong> – Turners. </p> <p><strong>NZ iconic brands</strong> – Whittaker’s.</p> <p>Highly commended ratings were also acknowledged in the survey. Each category contains one winning, and two highly commended brands. These brands scored higher in their respective categories than the other brands polled. Those receiving highly commended plaudits include: AMI and State; Summerset Retirement Villages; Kapiti (ice cream); Lockwood; Nikon (digital cameras); and Dilworth Hearing. There are those receiving this accolade for the first time - for example, Lewis Road Creamery (milk), Rhino Carpet and Enterprise Motor Group, and at the other end of the spectrum – Blackmores (vitamins and supplements), which has featured 10 times.</p> <p><em>For the full Trusted Brands survey results see <a rel="noopener noreferrer" href="http://www.trustedbrands.co.nz/results.asp" target="_blank">https://www.trustedbrands.co.nz/results.asp</a> </em></p>

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Why one man's bulk buying hand sanitiser scheme failed

<div class="post_body_wrapper"> <div class="post_body"> <div class="body_text "> <p>A man in America, Noah Colvin, bought 17,700 bottles of hand sanitiser with the intention of reselling them on Amazon for a profit, but the tech giant has put a stop to that immediately.</p> <p>Amazon has cracked down on pandemic price gouging, which resulted in the company suspending Colvin’s account.</p> <p>He drove over 2,000 kilometres across Tennessee, stocking up on hand sanitiser and sanitary wipes but is now unable to get rid of the excess of goods.</p> <p>He’s not the first account to be suspended, with Amazon removing hundreds of thousands of listing of people trying to price gouge items others are looking for, including respiratory masks.</p> <p>Colvin said to<span> </span><a rel="noopener noreferrer" href="https://www.nytimes.com/2020/03/15/technology/matt-colvin-hand-sanitizer-donation.html" target="_blank"><em>The New York Times</em></a><span> </span>that the whole experience has been a “huge amount of whiplash”, as he was able to sell 300 bottles at a markup before the company suspended his account.</p> <p>However, Colvin has since donated all of the supplies on Sunday just as the Tennessee attorney general’s office began investigating him for price gouging.</p> <p>He helped volunteers from a local church load two-thirds of the stockpile of hand sanitiser and antibacterial wipes into a box truck that will distribute the goods across the state to those who need them.</p> <p>“I’ve been buying and selling things for 10 years now. There’s been hot product after hot product. But the thing is, there’s always another one on the shelf,” he said.</p> <p>“When we did this trip, I had no idea that these stores wouldn’t be able to get replenished.”</p> <p>After receiving hate mail and death threats after<span> </span><a rel="noopener noreferrer" href="https://www.nytimes.com/2020/03/14/technology/coronavirus-purell-wipes-amazon-sellers.html" target="_blank"><em>The New York Times</em></a> published an article about him, Colvin has since expressed remorse for his actions.</p> <p>“It was never my intention to keep necessary medical supplies out of the hands of people who needed them,” he said, crying. “That’s not who I am as a person. And all I’ve been told for the last 48 hours is how much of that person I am.”</p> <p>Tennessee’s price gouging laws are strict and prohibit charging “grossly excessive” prices for a range of items, including medical supplies. People can be fined up to $1,000 per violation, and the attorney general’s office sent Colvin a cease-and-desist letter as well as opening up an investigation.</p> <p>“We will not tolerate price gouging in this time of exceptional need, and we will take aggressive action to stop it,” Attorney General Herbert H. Slatery III of Tennessee said in a news release.</p> </div> </div> </div>

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Royal Mint unveils the most expensive coin ever

<p>The Royal Mint has revealed a new gold coin as part of its new James Bond collection that is a one-of-a-kind collector’s item.</p> <p>The seven-kilo gold coin has a face value of £7,000 ($13,655) and features an engraving of an Aston Martin DB5 with its famous BMT 216A licence plate surrounded by a gun barrel.</p> <p>Currently, there has been no indication on the retail price of the coin but those interested are being advised to call the mint to discuss.</p> <p>The coin is the largest coin with the highest face value the Royal Mint has ever produced in its 1100 year history.</p> <p>The item is part of a coin and gold bar collection which launched before the 25th James Bond film,<span> </span><em>No Time To Die</em>, with Daniel Craig playing the iconic Brit for the last time.</p> <p>The collection also has a smaller two-kilo gold coin, with a value of £2,000 ($3901) but has a recommended retail price of £129,990 ($253,577).</p> <p>The collection is available to buy from mid-March and also includes three smaller coin designs in gold and silver.</p> <p>The smaller coins are part of a set and when put together reveal the famous 007 motif and feature famous cars from the Bond films including the Aston Martin DB5 and the submarine car from<span> </span><em>The Spy Who Loved Me</em>.</p> <p>According to the Royal Mint, there are 15,017 of the £1 ($1.95) James Bond coins, while 8,517 of the £2 ($3.90) pieces have been minted.</p> <p>The £1 ($1.95) are priced at £65 ($126.80) while the £2 ($3.90) has a retail price of £88 ($171.67).</p>

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Woman’s genius online shopping trick goes viral

<p>How many times have you purchased something online, only to wish that you could try it with a specific outfit first?</p> <p>Or maybe you’ve ordered something, feeling overly confident about your amazing new purchase only for it to arrive and look completely different to what you had imagined.</p> <p>If you’re one of those people, then this clever hack is one you want to try.</p> <p>One woman, named Megan who works for the radio station ZM in Auckland, revealed her trick in a video which was posted to the station’s Facebook page.</p> <p style="text-align: center;"><iframe src="https://www.facebook.com/plugins/video.php?href=https%3A%2F%2Fwww.facebook.com%2FZMonline%2Fvideos%2F824812757981482%2F&amp;show_text=0&amp;width=269" width="269" height="476" style="border: none; overflow: hidden;" scrolling="no" frameborder="0" allowtransparency="true" allowfullscreen="true"></iframe></p> <p>Megan prints out a full length photo of herself and cuts off the feet so she can see how the outfit looks with various different shoes.</p> <p>“Megan’s online shoe shopping trick it too good,” said the caption of the video.</p> <p>Many commenters agreed labelling the hack “genius” and “game-changing”.</p> <p>The cut out is laminated, ensuring it lasts a while so she can get the most use out of it.</p> <p>The clip quickly went viral, gaining over 14,000 likes, 45,000 comments and over 2.5 million views.</p> <p>And even though it won’t help with testing the comfort of online shopping purchases, it will minimise the risk of making some terrible fashion choices.</p>

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Why this rare $1 Aussie coin could have you pocketing thousands

<p>One minor mistake to a $1 coin could be worth thousands of dollars.</p> <p>The Royal Australian Mint made an error when making the “Mule Dollar” coins meaning small amount of $1 coins from the year 2000 were designed using the wrong print.</p> <p>The Mule dollar has a double rim around the edge while a standard regular $1 coin has just one. </p> <p>A Melbourne mum excitedly revealed the fun find on social media.</p> <p>“We found the famous MULE Dollar” she wrote in a post on Instagram, under the username @melbournewithkidz. </p> <blockquote style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" class="instagram-media" data-instgrm-captioned="" data-instgrm-permalink="https://www.instagram.com/p/B8h1QVzAhCo/?utm_source=ig_embed&amp;utm_campaign=loading" data-instgrm-version="12"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"></div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"></div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"></div> </div> </div> <div style="padding: 19% 0;"></div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"></div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <p style="margin: 8px 0 0 0; padding: 0 4px;"><a style="color: #000; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none; word-wrap: break-word;" rel="noopener" href="https://www.instagram.com/p/B8h1QVzAhCo/?utm_source=ig_embed&amp;utm_campaign=loading" target="_blank">We found the famous MULE Dollar. 🙌 What's a Mule dollar? It's a small number of the year 2000 $1 dollar coins that had been minted using the incorrect obverse die (heads side) and released into circulation by mistake and only discovered a year or two later. The Royal Australian Mint accidentally minted the coins using the smaller 10 cent obverse die (head side) by mistake. With just a 1.4 millimetre difference in diameter between the 10 cent and $1 coin you can clearly see a double rim circle going around the edges of the coin. These errors are worth anywhere from $500 to $3000! Check your change and empty out the kids piggy bank!!!!!!! You could be sitting on a winner! Let us know if you have found any interesting coins in your change. Disclaimer: for use of images or content please contact us contact@melbournewithkidz.com #australiancoins #coincollecting #rarecoins</a></p> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;">A post shared by <a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px;" rel="noopener" href="https://www.instagram.com/melbournewithkidz/?utm_source=ig_embed&amp;utm_campaign=loading" target="_blank"> Tanya / Melbourne With Kids</a> (@melbournewithkidz) on Feb 13, 2020 at 5:20pm PST</p> </div> </blockquote> <p>“Royal Australian Mint accidentally minted the coins using the smaller 10 cent obverse die (head side) by mistake.”</p> <p>How to spot a real Mule Dollar</p> <p>Mule dollars have a unique look and design, including its year make which can only be 2000.</p> <blockquote style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" class="instagram-media" data-instgrm-permalink="https://www.instagram.com/p/BuLtwpTl54n/?utm_source=ig_embed&amp;utm_campaign=loading" data-instgrm-version="12"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"></div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"></div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"></div> </div> </div> <div style="padding: 19% 0;"></div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"></div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" rel="noopener" href="https://www.instagram.com/p/BuLtwpTl54n/?utm_source=ig_embed&amp;utm_campaign=loading" target="_blank">A post shared by Drake Sterling Numismatics (@drakesterling)</a> on Feb 22, 2019 at 3:51am PST</p> </div> </blockquote> <p>For the rare coin to be legitimate it must also have a clear double rim around most or all of the heads side of the coin, about 0.5mm wide, according to<span> </span>Australian Coins.</p> <p>“With just a 1.4mm difference in diameter between the 10 cent and $1 coin you can clearly see a double rim circle going around the edges of the coin.”</p> <p>She said the coins are worth anywhere from $500 to $3000. </p> <p>One commenter left a handy tip to anyone who might find themselves in luck with a real mule dollar, and urged people NOT to wash the coin as it can result in its value decreasing dramatically.</p>

Money & Banking

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5 ways to protect yourself from identity theft

<p><span style="font-weight: 400;">It’s hard to guarantee total protection against hackers and with more people losing money to scammers, it’s important to do your best to stay vigilant.</span></p> <p><span style="font-weight: 400;">Recent Scamwatch figures show that in 2019, Aussies lost $4.3 million to scammers, which is almost three times more than was lost the year before.</span></p> <p><span style="font-weight: 400;">With scams becoming more sophisticated, the onus is on you to stop your money from being stolen.</span></p> <p><span style="font-weight: 400;">Here are five ways to protect yourself from identity theft. (</span>AN: will number later, just hate doing it in a word doc as it doesn’t copy properly to umbraco) </p> <p><strong>1. Always check your emails</strong></p> <p><span style="font-weight: 400;">In order to get into your accounts, a hacker will try many different passwords or sometimes reset it. If you see a password reset email and you can’t remember requesting one, this can be a major red flag.</span></p> <p><strong>2. Set up two-factor authentication</strong></p> <p><span style="font-weight: 400;">This is a two-step process that you can add to your account login. This increases security on your account as it requires a different piece of information outside your password.</span></p> <p><span style="font-weight: 400;">It is usually a temporary code which is sent as a text message to your phone.</span></p> <p><em><span style="font-weight: 400;">How does it work?</span></em></p> <p><span style="font-weight: 400;">After you enter your password, you’ll be asked to enter in the code that has been sent to your phone. Some websites have a time limit on the code so if you don’t enter it before the time limit expires, the code will no longer work.</span></p> <p><span style="font-weight: 400;">This also means that if hackers gain access to your password, they won’t receive the temporary code and won’t be able to get into your account.</span></p> <p><strong>3. Consider a PO box</strong></p> <p><span style="font-weight: 400;">Having an outdoor mailbox makes you more vulnerable to identity theft as anyone can help themselves to the personal documents that are sent to your home.</span></p> <p><span style="font-weight: 400;">Your mail provides information like your full name, bank account details, tax file number and your address. Hackers can also steal bank cards if they’re sent to your home address.</span></p> <p><span style="font-weight: 400;">If you decide to get a PO box, your mail will be kept in a secure place under lock and key.</span></p> <p><span style="font-weight: 400;">However, if you don’t want to get a PO box, you can request to send personal documents and bank cards to a secure location.</span></p> <p><strong>4. Monitor your credit report</strong></p> <p><span style="font-weight: 400;">Every time you apply for a loan or a credit card, it’s listed on your credit report. You are able to check your credit for free every few months to make sure all listing are correct.</span></p> <p><span style="font-weight: 400;">If you notice any suspicious activity, contact the relevant bank or lender and let them know that the listing is fraudulent.</span></p> <p><strong>5. Check your transaction history</strong></p> <p><span style="font-weight: 400;">Review your purchases every couple of weeks to make sure there aren’t any suspicious transactions.</span></p> <p><span style="font-weight: 400;">If you notice any transactions that aren’t yours, put your card on hold and contact your bank immediately. You may also need to cancel your existing card and order a replacement.</span></p>

Money & Banking

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How to cope with extreme heat days without racking up the aircon bill

<p>Summer in Australia is <a href="http://www.bom.gov.au/climate/updates/articles/a032.shtml">getting hotter</a>. Extreme heat events, with daytime temperatures over 35 degrees Celsius, are becoming more common and we are getting more of these days in a row.</p> <p>We all need to prepare ourselves, our homes and our neighbourhoods for hot and very hot days. Since 2016, the <a href="https://www.westernsydney.edu.au/__data/assets/pdf_file/0020/1161470/cooling-the-commons-report.pdf">Cooling the Commons</a> research project has been working with people living in some of Sydney’s hottest neighbourhoods to learn how they cope with heat.</p> <p>Discussion groups with residents across hotspots in Western Sydney, including Penrith, Cranebrook and St Marys, highlighted a wealth of things we can do to manage heat. We published some of the following tips in a recent <a href="https://www.westernsydney.edu.au/ics/news/new_resource_by_institute_researchers_provides_advice_on_how_to_prepare_for_heat">flier</a>.</p> <p><strong>Why can’t we all just rely on air conditioning?</strong></p> <p>Official advice for extreme heat is often to stay inside and turn on the air conditioning. While air conditioning can play a role, <a href="https://www.canstarblue.com.au/appliances/air-conditioning-running-costs/">not everyone can afford it</a>. Low-income and older households can be especially vulnerable to bill shock and are more likely to feel the impacts of extreme heat.</p> <p>There is also the risk that running air conditioners uses <a href="https://www.theguardian.com/australia-news/2019/jul/09/australias-emissions-reach-the-highest-on-record-driven-by-electricity-sector">energy resources that contribute further to global warming</a>. More immediately, hot exhaust air from air-conditioning units can <a href="https://agupubs.onlinelibrary.wiley.com/doi/full/10.1002/2013JD021225">make the local environment hotter</a>. This means keeping one home cool can make it harder for neighbours to keep their homes cool and make being outside even more uncomfortable.</p> <p>Air conditioning in private homes creates a cool refuge for only some. Unless those homes have an open-door policy on hot days, many of us will need to find other ways to keep cool. If you do have air conditioning, think about how you could share your air with those near you who might really need it.</p> <p><strong>Prepare before the heat hits</strong></p> <p><strong><em>Shade is important for creating more comfortable living spaces.</em></strong></p> <p>Identify which parts of your home get the most afternoon sun in summer. Can you plant trees or vines, or move a pot plant outside the window to create a green screen? Can you attach awnings to shade the windows?</p> <p>Low-cost temporary solutions can include attaching light-coloured shade cloth outside the window using removable hooks, or installing heavy drapes or blinds inside. Blankets or even aluminium foil are a low-cost creative way of keeping heat out.</p> <p><strong><em>Open up to let in cool air at night</em></strong></p> <p>Can you open the windows and doors overnight to let in cooler air? If you are concerned about security, look for options for locking the windows in an open position, or using flyscreens and security grilles on windows and doors.</p> <p>A low-cost option to keeping flying insects at bay on hot nights is a mosquito net over the window or around the bed.</p> <p><strong><em>Use low-cost resources to prepare in advance.</em></strong></p> <p>Ceiling or portable fans are one of the best ways to cool your body when it’s hot. But remember fans don’t cool rooms, so turn off the fan when you leave the room or you’re just burning electricity.</p> <p>Find ice trays and containers to freeze water – cake tins and storage containers are a good option. Putting these in front of a portable fan will mean the fan blows cool air.</p> <p>Putting a wet face cloth on the insides of your wrists, around your ankles or on the back of your neck will bring down your body temperature. Hanging damp sheets in doorways or in front of a fan will help keep the temperature down – although the trick with the sheets won’t work if it’s a really humid day.</p> <p><strong>How to stay cool and comfortable on hot days</strong></p> <p>Morning is likely to be the coolest time of the day. Open up your windows and doors to let in the cooler morning air.</p> <p>It’s the best time to be active – walk the dog, take the kids to the park, go for a swim. If possible, do your cleaning, cooking or outside work now. Plan meals that don’t require an oven.</p> <p><strong><em>Close up as it heats up.</em></strong></p> <p>As the day starts to get hot, close the house up – shut windows, blinds and curtains. This could be as early as 9am on really hot days. If you are heading out to work, do this before you leave home.</p> <p>Closing internal doors can help to keep the heat in one part of your home. You need to close doors to any parts of the home that get hot before the day gets hot.</p> <p><strong><em>Stay hydrated.</em></strong></p> <p>Drink plenty of water throughout the day. Put a jug of tap water in the fridge and remember to top it up.</p> <p>Don’t forget to move pet water bowls and day beds out of the sun. If you live in a dry area, it can’t hurt to put out extra water bowls for needy wildlife!</p> <p><strong><em>Find a cooling refuge.</em></strong></p> <p>If your home gets uncomfortably hot, find the closest cooling refuges in your neighbourhood. These are places where you can go to cool down. Good examples that won’t break the bank are the local swimming pool or library.</p> <p>Some local councils provide <a href="http://coolparramatta.com.au/">lists</a> of <a href="https://www.penrithcity.nsw.gov.au/waste-environment/cooling-the-city/beat-the-heat">cooling centres</a> on their websites.</p> <p><strong><em>Save air conditioning for when it’s most needed.</em></strong></p> <p>Try to save air conditioning for the hottest parts of the day. It will be most effective and cheapest to run if your home is well insulated and you’ve closed it up for the day.</p> <p><strong><em>Look after neighbours.</em></strong></p> <p>Remember to check on elderly or frail neighbours. Along with the very young, they are usually more affected by the heat and may need to cool down sooner than you do.</p> <p>If your neighbours are in need, consider inviting them into your home to cool down. When it’s hot, let’s <a href="https://www.semanticscholar.org/paper/Infrastructures-of-Care%3A-Opening-up-%E2%80%9CHome%E2%80%9D-as-in-a-Lopes-Healy/1920004e258483d40017ff468370e4892e11fce5">think of our cities as social commons</a> rather than a collection of private spaces.</p> <p><span><a href="https://theconversation.com/profiles/emma-power-250930"><em>Emma Power</em></a><em>, Senior Research Fellow, Geography and Urban Studies, <a href="https://theconversation.com/institutions/western-sydney-university-1092">Western Sydney University</a>; <a href="https://theconversation.com/profiles/abby-mellick-lopes-388977">Abby Mellick Lopes</a>, Associate Professor, Design, School of Humanities and Communication Arts, <a href="https://theconversation.com/institutions/western-sydney-university-1092">Western Sydney University</a>, and <a href="https://theconversation.com/profiles/louise-crabtree-128457">Louise Crabtree</a>, Associate Professor, Institute for Culture and Society, <a href="https://theconversation.com/institutions/western-sydney-university-1092">Western Sydney University</a></em></span></p> <p><em>This article is republished from <a href="http://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/how-to-cope-with-extreme-heat-days-without-racking-up-the-aircon-bills-128857">original article</a>.</em></p>

Money & Banking

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Prince Harry and Duchess Meghan offer to pay for their security – but it comes with a catch

<p>The Duke and Duchess of Sussex have offered to pay for their own security, except there is a catch to this deal.</p> <p>Provided the couple are successful in their new non-royal business endeavours, Prince Harry and Duchess Meghan maintain they have every intention to reimburse taxpayers for the cost of their security during private business engagements not connected to royal events.</p> <blockquote style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" class="instagram-media" data-instgrm-permalink="https://www.instagram.com/p/B7qgx95giNA/?utm_source=ig_embed&amp;utm_campaign=loading" data-instgrm-version="12"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"></div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"></div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"></div> </div> </div> <div style="padding: 19% 0;"></div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"></div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" rel="noopener" href="https://www.instagram.com/p/B7qgx95giNA/?utm_source=ig_embed&amp;utm_campaign=loading" target="_blank">A post shared by O, The Oprah Magazine (@oprahmagazine)</a> on Jan 23, 2020 at 5:43am PST</p> </div> </blockquote> <p><span>The </span><em><a rel="noopener noreferrer" href="https://www.telegraph.co.uk/royal-family/2020/01/22/prince-harry-meghan-markle-offer-pay-security-tony-blair-style/" target="_blank">Telegraph</a></em><span> reported the pair’s intention to pay is entirely genuine, except the amount they will reimburse will depend on how much money their new business endeavours rake in.</span></p> <p>However, it appears they may hit the jackpot on top of their already hefty bank accounts, as Netflix appears to be in the process of working with the Duke and Duchess of Sussex for either a TV series or a number of documentaries on the causes nearest and dearest to their hearts.</p> <blockquote style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" class="instagram-media" data-instgrm-permalink="https://www.instagram.com/p/B7rJhgapp1u/?utm_source=ig_embed&amp;utm_campaign=loading" data-instgrm-version="12"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"></div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"></div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"></div> </div> </div> <div style="padding: 19% 0;"></div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"></div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" rel="noopener" href="https://www.instagram.com/p/B7rJhgapp1u/?utm_source=ig_embed&amp;utm_campaign=loading" target="_blank">A post shared by 𝐌 𝐈 𝐊 𝐎 ✪ (@mikeraif)</a> on Jan 23, 2020 at 11:39am PST</p> </div> </blockquote> <p>This news follows just weeks after the Duke and Duchess of Sussex announced their intentions to step down from their senior royal positions, and instead seek out financially independent lives.</p> <p>The couple said they would be splitting their time between the UK and Canada, after doing an 8-week test in Vancouver with their 8-month-old Archie.</p> <p>British authorities have deep grievances regarding Prince Harry and Duchess Meghan’s security requirements.</p> <blockquote style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" class="instagram-media" data-instgrm-permalink="https://www.instagram.com/p/B7rIWyyAa-0/?utm_source=ig_embed&amp;utm_campaign=loading" data-instgrm-version="12"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"></div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"></div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"></div> </div> </div> <div style="padding: 19% 0;"></div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"></div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" rel="noopener" href="https://www.instagram.com/p/B7rIWyyAa-0/?utm_source=ig_embed&amp;utm_campaign=loading" target="_blank">A post shared by The Royal Family (@royal_family_baby)</a> on Jan 23, 2020 at 11:28am PST</p> </div> </blockquote> <p>Over 80,000 Canadians have signed a petition demanding that taxpayers need not be expected to fork out the security costs for the couple while they spend their time in the Great White North.</p> <p>It is believed at least six UK royal protection officers are overseeing the couple’s safety but it is speculated security will be passed on to the Royal Canadian Mounted Police.</p> <p>Around-the-clock protection there could cost around $2.9 million, security sources told the<span> </span><em><a rel="noopener noreferrer" href="https://www.telegraph.co.uk/royal-family/2020/01/22/prince-harry-meghan-markle-offer-pay-security-tony-blair-style/" target="_blank">Telegraph</a></em>.</p>

Money & Banking

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Fame and fortune isn't the key to happiness

<p>If you’ve ever dreamt of fame and fortune, Prince Harry and his wife Meghan Markle turning their backs on the royal lifestyle might seem churlish. So too their desire to be “financially independent”.</p> <p>As a senior royal, Harry is at the height of his popularity – a popularity that marrying Markle has only amplified.</p> <p>On top of the millions he has inherited from his mother and great grandmother, he gets millions more annually, both from his cut of the “sovereign grant” paid by the British government and the allowance from his father (from the revenues of Duchy of Cornwall estate).</p> <p>Harry and Meghan aren’t exiting the family firm penniless, but if they stayed they would be looked after in luxury for the rest of their lives.</p> <p>Madness? No. Research suggests Harry and Meghan would be well and truly in their right minds to be sick of royal fame and fortune.</p> <p>Psychologists, economists and philosophers have confirmed three things. First, money can’t buy happiness. Second, we want to feel we have earned our success and popularity. Third, being looked after from the cradle to the grave has its downsides.</p> <p>In short, having everything handed to you on a platter just isn’t satisfying.</p> <p><strong>Money doesn’t buy happiness</strong></p> <p>Even though this statement is arguably a cliché, there is good <a href="https://www.payscale.com/career-news/2013/05/study-proves-money-cant-buy-happiness">evidence</a> it’s true. While money buys happiness up to a point, the positive effects of money on happiness <a href="https://psychology.unl.edu/can-money-buy-happiness">level off</a> once individuals have obtained enough wealth to live a comfortable life.</p> <p>This relationship has been observed at the country level, with multiple studies showing that, once a nation reaches a certain level of wealth, national happiness does not increase in parallel with extra wealth. This is known as the <a href="https://esrc.ukri.org/about-us/50-years-of-esrc/50-achievements/the-easterlin-paradox/">Easterlin paradox</a>. According to economist John Helliwell, a co-editor of the <a href="https://worldhappiness.report/ed/2019/changing-world-happiness/">World Happiness Report</a>, the <a href="https://www.researchgate.net/publication/8364900_The_Social_Context_of_Well-Being">social context</a> – marriage and family, ties to friends and neighbours, workplace ties, civic engagement, trustworthiness and trust – is more important than wealth.</p> <div class="embed-responsive embed-responsive-16by9"><iframe class="embed-responsive-item" src="https://www.youtube.com/embed/JjLh0guxERQ"></iframe></div> <p>One reason given for why wealth doesn’t buy individuals any more happiness after a certain point is that money becomes both a reason and means to distance ourselves from others. To paraphrase Christopher Ryan, author of <a href="https://www.simonandschuster.com/books/Civilized-to-Death/Christopher-Ryan/9781451659108">Civilized to Death: The Price of Progress</a>, what people tend to do with extra money is buy separation, whereas researchers “<a href="https://www.wired.com/story/why-are-rich-people-so-mean/">have concluded again and again</a> that the single most reliable predictor of happiness is feeling embedded in a community”.</p> <p>Extraordinary wealth, then, sets us against what we are programmed to do by evolution: seek out the company of others and band together in a community. Research has repeatedly shown this has a huge mental health cost.</p> <div class="embed-responsive embed-responsive-16by9"><iframe class="embed-responsive-item" src="https://www.youtube.com/embed/MB5IX-np5fE"></iframe></div> <p>Importantly, too, how we earn our money affects how much we enjoy it. <a href="https://www.ncbi.nlm.nih.gov/pubmed/29320930">Research</a> among more than 4,000 millionaires in the US, for example, showed those who were “self-made” were moderately happier than those who inherited their wealth.</p> <p>Taken together, these factors help explain why Harry and Meghan’s wealth might, psychologically speaking, be more curse than blessing.</p> <p><strong>The popularity paradox</strong></p> <p>Most of us, particularly teenagers, <a href="https://www.scientificamerican.com/article/cracking-the-popularity-code/">crave popularity</a>. According to <a href="https://yougov.co.uk/ratings/politics/popularity/royalty/all">a YouGov poll</a>, Harry is the second-most-popular member of the British royal family – pipped only by Queen Elizabeth. Some are convinced <a href="https://theconversation.com/prince-harry-and-meghan-markle-why-half-in-half-out-just-isnt-an-option-for-royals-129726">he won’t keep this popularity</a> without his royal status.</p> <p>Why would someone want to give up being liked and loved by stepping out of the limelight?</p> <p>Because <a href="https://en.wikipedia.org/wiki/Attribution_(psychology)">psychological research</a> shows people feel less pride in their achievements if they attribute it to external reasons. In this case, that would being born as a royal for Harry, and being pretty and marrying into a royal family for Meghan. For their popularity and success to mean something, they would need some “internal attribution” – that it has something to do with their own abilities, effort and skill.</p> <p>In a world that values meritocracy, as Alain de Botton argues, we need to “own our success” — the very thing Harry and Meghan cannot do as royals.</p> <div class="embed-responsive embed-responsive-16by9"><iframe class="embed-responsive-item" src="https://www.youtube.com/embed/MtSE4rglxbY"></iframe></div> <p><strong>Trapped by certainty</strong></p> <p>Most of us aspire to being financially secure for the rest of our lives. Many of us would give a lot to know what lies ahead.</p> <p>But while there is comfort in some sense of security and predictability, knowing exactly what the future holds might be a curse. This is because humans thrive also on feeling a sense of freedom and choice.</p> <p>So just as having no certainty can take its mental toll, so does feeling one’s future is totally predetermined and that you have no real control over the way your life will unfold.</p> <p>Psychologists call the motivation to regain a freedom after it has been lost <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC4675534/">reactance</a> – and this might be something strong within someone, for example, who has lost freedom due to marrying into a high-profile family.</p> <p><strong>Seizing control</strong></p> <p>Do the reasons above explain why Harry and Meghan have left the royal fold? We can’t say that. Only they know their motivations.</p> <p>But what we do know is that all the research points to fortune, fame and security not necessarily leading to a good, happy life. These things can in fact be burdens, <a href="https://journals.plos.org/plosone/article?id=10.1371/journal.pone.0139156">bringing out</a> our worst, not our best.</p> <p>That happiness comes more from community connection, merit, effort and making our own decisions is good news for the rest of us. Let’s hope it works out for Harry and Meghan too.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important; text-shadow: none !important;" src="https://counter.theconversation.com/content/130132/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: http://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/jolanda-jetten-301309">Jolanda Jetten</a>, Professor, School of Psychology, ARC Laureate Fellow, <a href="http://theconversation.com/institutions/the-university-of-queensland-805">The University of Queensland</a></em></p> <p><em>This article is republished from <a href="http://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/the-science-backs-harry-and-meghan-turning-in-their-royal-privilege-fame-and-fortune-arent-the-keys-to-happiness-130132">original article</a>.</em></p>

Money & Banking

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Federer and Nadal go above and beyond at Aussie Open's Rally for Relief

<p>The tennis world has dug deep to raise a staggering $4.8 million for bushfire victims in a night of thrilling entertainment at the Rally for Relief which took place at Rod Laver Arena.</p> <p>The man behind the groundbreaking initiative was none other than Aussie’s own Nick Kyrgios, who was completely overcome with emotion after the total figure of $4,826,014 was revealed to him on court.</p> <p>The crowd in Melbourne was thrilled as he went head-to-head with Roger Federer in a one-set finale that was the highlight on the night.</p> <p>“I just got goosebumps when you said that number,” said Kyrgios.</p> <p>“It’s been an emotional couple of weeks. I just wanted to send a message, I just had to do it so I wrote the Tweet.</p> <p>“The whole Aussie team got behind it and I woke up the next day and it exploded, it was so emotional.</p> <blockquote class="twitter-tweet" data-lang="en"> <p dir="ltr">"It's been an emotional couple of weeks," says <a href="https://twitter.com/NickKyrgios?ref_src=twsrc%5Etfw">@NickKyrgios</a>.<a href="https://twitter.com/hashtag/Rally4Relief?src=hash&amp;ref_src=twsrc%5Etfw">#Rally4Relief</a> <br /><br />To contribute: <a href="https://t.co/a3qgsExZQj">https://t.co/a3qgsExZQj</a> <a href="https://t.co/RKvhFLyscU">pic.twitter.com/RKvhFLyscU</a></p> — #AusOpen (@AustralianOpen) <a href="https://twitter.com/AustralianOpen/status/1217393053138288640?ref_src=twsrc%5Etfw">January 15, 2020</a></blockquote> <p>“Back home at Canberra I couldn’t even go outside (due to the smoke), it was hard and I’m just so happy that we had Roger, Rafa, Novak – some of the greats – to get behind this.”</p> <p>The one-off special event saw some of the biggest names in tennis taking part, including Rafael Nadal, Novak Djokovic and Serena Williams, who donated their time to encourage support for charities helping deal with the bushfire crisis.</p> <p>The night was enjoyed by many, as the atmosphere was lighthearted with 12 players competing in a series of jovial matches and challenges to help raise money for the natural disaster.</p> <p>Spanish favourite Nadal also made a major announcement, revealing that he and Federer had donated a cumulative $250,000 from their own pockets after chatting earlier in the day.</p> <blockquote class="twitter-tweet" data-lang="en"> <p dir="ltr">"Talking with Roger, we decided to give $250,000 together." 👏 👏 👏 👏<a href="https://twitter.com/hashtag/Rally4Relief?src=hash&amp;ref_src=twsrc%5Etfw">#Rally4Relief</a><br /><br />To contribute: <a href="https://t.co/9RPgZ7cBoB">https://t.co/9RPgZ7cBoB</a> <a href="https://t.co/ocdiw8D0if">pic.twitter.com/ocdiw8D0if</a></p> — #AusOpen (@AustralianOpen) <a href="https://twitter.com/AustralianOpen/status/1217378578188447745?ref_src=twsrc%5Etfw">January 15, 2020</a></blockquote> <p>“Talking with Roger a couple of hours ago we decided to give $250,000 Australian dollars to the bushfire relief together,” he said.</p> <p>“Hopefully that can keep inspiring people to support this terrible disaster that we were going through and helps to recover all the things that we need (sic).”</p> <p>Later in the night, a Victorian firefighter had her dreams come true after she was given the chance to play with Nadal himself for an epic doubles match.</p> <p>Deb, a member of the Stuart Mill fire brigade, revealed on air that for the last few weeks she has been involved in battling fires in the crisis gripping the country.</p> <p>She admitted that it had been a very difficult time, as she witnessed neighbourhoods and wildlife being destroyed due to the fires.</p> <p>"We're there trying to make all the farmers feel safe while they go about their business."</p>

Money & Banking

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How much of your budget should be spent on health and fitness

<p><span style="font-weight: 400;">For those with a budget, putting a price on health and fitness can be difficult. How much is too much?</span></p> <p><span style="font-weight: 400;">Head of Fitness Australia, a not-for-profit industry association, Barrie Elvish says that you shouldn’t use money to avoid exercising all together.</span></p> <p><span style="font-weight: 400;">"The very straightforward answer is that there is no cost to fitness, or there's as much as you want to spend," he says to </span><a href="https://www.abc.net.au/life/how-much-of-our-budgets-should-be-allocated-to-fitness/11769830"><span style="font-weight: 400;">ABC Life</span></a><span style="font-weight: 400;">.</span></p> <p><span style="font-weight: 400;">"Cost is a consideration, only if you want to make it a consideration."</span></p> <p><span style="font-weight: 400;">He also says that if you feel like you must pay for fitness, it could be worth what you pay. </span></p> <p><span style="font-weight: 400;">"The cost of not being physically active, to your purse and your wellbeing, is significantly higher," he says.</span></p> <p><span style="font-weight: 400;">Others have found out a way to work out for free, without compromising on the social aspect.</span></p> <p><span style="font-weight: 400;">Bek Foley, 25, does a free weekly timed 5-kilometre fun run held at parks in her local area.</span></p> <p><span style="font-weight: 400;">"I just love the community. You see the same faces all the time, with everyone passing you and giving you a high five and cheering you on," she says.</span></p> <p><span style="font-weight: 400;">"It's all run by volunteers, and the fact we have that many people willing to give up their time adds to the atmosphere and keeps me coming back."</span></p> <p><span style="font-weight: 400;">However, some are willing to prioritise fitness and the cost it comes at as it is important to them.</span></p> <p><span style="font-weight: 400;">48 year old Brisbane cyclist Rachel Edwards owns 20 bikes and spends hundreds of dollars a week pedalling after her passion for cycling.</span></p> <blockquote style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" class="instagram-media" data-instgrm-captioned="" data-instgrm-permalink="https://www.instagram.com/p/B7TxAoepGAT/?utm_source=ig_embed&amp;utm_campaign=loading" data-instgrm-version="12"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"></div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"></div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"></div> </div> </div> <div style="padding: 19% 0;"></div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"></div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <p style="margin: 8px 0 0 0; padding: 0 4px;"><a style="color: #000; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none; word-wrap: break-word;" rel="noopener" href="https://www.instagram.com/p/B7TxAoepGAT/?utm_source=ig_embed&amp;utm_campaign=loading" target="_blank">❗️Competition alert 2010 I won my last @uci_cycling WC title in Australia. I am thrilled to go back to Down Under in one week with a new partner that refers to that year. 😎 Any guess? The ones that are right will have the chance to win a very special goodie box! Good luck! #cycling #TeamCancellara #Cancellara #timetrial #roadcycling</a></p> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;">A post shared by <a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px;" rel="noopener" href="https://www.instagram.com/fabian_cancellara/?utm_source=ig_embed&amp;utm_campaign=loading" target="_blank"> Fabian Cancellara</a> (@fabian_cancellara) on Jan 14, 2020 at 9:42am PST</p> </div> </blockquote> <p><span style="font-weight: 400;">"I like to compete, so my version of fitness is really also my social life," she says.</span></p> <p><span style="font-weight: 400;">"I'll avoid buying clothes and general stuff that honestly you often don't even need. We are so inundated with 'buy this' messages — I resist those. My retail therapy is usually bike fashion related."</span></p> <p><span style="font-weight: 400;">Financial advisor Victoria Devine says that it’s also important to keep in mind just how much fitness is costing you.</span></p> <p><span style="font-weight: 400;">"It's really important to remember that your values are not the values of other people," she says.</span></p> <p><span style="font-weight: 400;">"If fitness is what drives you, and you get excited about it, and it makes you happy, it's literally down to personal values.</span></p> <p><span style="font-weight: 400;">"Ask yourself, would you be upset if it was taken away? If the answer is yes, you can figure out how to make it work."</span></p>

Money & Banking

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4 money-saving resolutions you should make this year

<p>Could this be the year you get your finances in order? A savings plan doesn’t need to be overwhelming, try these seven tips that Patty Cathey, financial advisor at Smart Retirement Plan uses with her clients to keep them on track.</p> <p><strong>1. Track your spending</strong></p> <p>Some financial mishaps happen simply because we aren’t paying close enough attention to our spending habits. Once you have taken an inventory of your finances, watch your spending for unnecessary expenses. “Take out the magnifying glass and take notice of the details in your financial picture,” Cathey advises. “Comb through your credit card statements to see if there’s any unnecessary spending or charges. Are you paying for a gym membership or cable channels you don’t use? Is there a charge you didn’t make that could be fraud? Paying attention to the little things can make a big difference in your finances.”</p> <p><strong>2. Start small</strong></p> <p>When the New Year rolls around, the temptation is to make extreme financial resolutions all at once. But don’t get so caught up in your resolutions that you set yourself up for failure. Cathey advises her clients to make small changes to their spending, since they are more maintainable over time. “Taking a baby step in cutting your spending can start you on the path to even bigger savings,” Cathey encourages. “For example, instead of cutting out your morning coffee completely, cut out one cup per week in January. Same thing goes for bringing a lunch to work: try packing a lunch one day. You may find it’s easier than you realise.” By February you may be skipping two lattés and bringing your lunch twice a week.</p> <p><strong>3. Wait before you swipe</strong></p> <p>Make a new habit of waiting before you spend on an unplanned purchase. Did you spot a piece of house decor at Target during a nappy run? Take time to think about the purchase before you swipe your credit card. “Apply the 48-hour rule by giving yourself a mandatory waiting period before making a big purchase,” Cathey says. “Many times, you’ll forget about the item you so desperately wanted when you’re in the store. If you still want or think you need it after 48 hours, talk over the purchase with a spouse or loved one.”</p> <p><strong>4. Pay yourself first</strong></p> <p>Even if you mean well, life can get in the way of prioritising saving for emergencies or getting ready for your retirement. David Bach, author of The Automatic Millionaire, encourages individuals with big financial goals to start by making their savings automatic each time they get paid. “Adding a small amount to your savings is pain free and pays off in the long run” he says. Then, utilise online banking tools to efficiently distribute money into different accounts including: retirement, emergency and mortgage payments, credit card, and other recurring bills.</p> <p><em>Source: <a href="https://www.rd.com/advice/saving-money/financial-resolutions/">RD.com</a></em></p> <p><em>Written by Mary Sauer. This article first appeared in </em><span><a href="https://www.readersdigest.com.au/food-home-garden/money/7-money-saving-resolutions-you-should-make-this-new-yea"><em>Reader’s Digest</em></a><em>. For more of what you love from the world’s best-loved magazine, </em><a href="http://readersdigest.innovations.co.nz/c/readersdigestemailsubscribe?utm_source=over60&amp;utm_medium=articles&amp;utm_campaign=RDSUB&amp;keycode=WRN93V"><em>here’s our best subscription offer.</em></a></span></p>

Money & Banking

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"Just perfect": Family affected by bushfires surprised by $1 million lotto win

<p>A Queensland mans whose family property was destroyed in bushfire has won $1 million in a lottery win that will allow the family to rebuild.</p> <p>The winner wishes to remain anonymous but lives in Redland, south of Brisbane. His family owned a property in northern New South Wales that was devastated by the bushfires.</p> <p>Lauren Cooney from The Lott notified him of the win and said that the man was overcome with emotion.</p> <p>"He told me his family had just lost their home in the bushfires," she said to the<span> </span><em><a rel="noopener noreferrer" href="https://mobile.abc.net.au/news/2020-01-09/bushfire-destroyed-home-then-owner-wins-lottery/11855640?pfmredir=sm&amp;sf227733330=1&amp;fbclid=IwAR3a-7QY21rcqyk7Yq3RD8TzmVCd_cMWIR0dgofE9z6woiYBz8k2dNQ0cB4" target="_blank">ABC</a></em>.</p> <p>"The home wasn't insured, so this prize meant that they would be able to rebuild which initially, they thought they wouldn't be able to," she said.</p> <p>The man said to Cooney that the family had returned to the property, which was “very sentimental and special to them”.</p> <p>"They were going through the site looking for any special family mementoes that they could salvage, but all they could find was some teacups,” Cooney explained.</p> <p>However, this win has turned things around. As the man was the only division one winning entry to the draw, he is able to claim the whole $1 million prize.</p> <p>He said that the circumstances were “just perfect”.</p> <p>"He said he couldn't have imagined more impeccable timing which meant that he could use his prize to rebuild their family home," Ms Cooney said.</p>

Money & Banking

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Turia Pitt inspires emotional movement in wake of new bushfire crisis

<p><span>Turia Pitt has penned an inspiring and heartbreaking post on social media which has resulted in an incredible movement in the wake of the bushfire crisis.</span></p> <p><span>The athlete and motivational speaker took to Instagram on Monday to speak about her own distress and desperation due to the harrowing bushfires that has plagued Australia.</span></p> <p><span>Turia’s own home in the New South Wales south coast region is located in a spot heavily impacted by the fires. The effect on Pitt and her husband Michael Hoskin and their two-year-old son Hakavai has been devastating.</span></p> <p><span>The 32-year-old wrote: "I watched, my mouth agape, as two angry plumes from the fires north and south of us joined together over Mollymook Beach. And then, the power went out."</span></p> <p><span>She further explained the grave concern she felt as she witnessed the toll of the bushfire and detailing the experience of seeing and feeling her home become “an apocalyptic quiet”. detailed the "It's been a tough few weeks for me emotionally. I've had to focus on not letting my emotions and own experiences get the better of me."</span></p> <p><span>"I'm exhausted. I feel like I've done 10 marathons. And we can't relax because it's only the start of summer, and it's not over yet. So just like in a marathon, I've realised I have to pace myself."</span></p> <blockquote style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" class="instagram-media" data-instgrm-permalink="https://www.instagram.com/p/B69tZHSA2Ek/?utm_source=ig_embed&amp;utm_campaign=loading" data-instgrm-version="12"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"></div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"></div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"></div> </div> </div> <div style="padding: 19% 0;"></div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"></div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" rel="noopener" href="https://www.instagram.com/p/B69tZHSA2Ek/?utm_source=ig_embed&amp;utm_campaign=loading" target="_blank">A post shared by Turia (@turiapitt)</a> on Jan 5, 2020 at 8:07pm PST</p> </div> </blockquote> <p><span>Turia alluded to her own terrifying experience in in 2011, where she was trapped in a Western Australia bushfire while running an ultra marathon -she endured burns to 65 per cent of her body as a result.</span></p> <p><span>"I've had recurring nightmares about running through flames with my son in my arms," she added of the current situation.</span></p> <p><span>"It's been difficult to sleep, eat or think and all I've really wanted to do is tap out, put my head in the sand and pretend that nothing is going on."</span></p> <p><span>Her words seemed to have an impact though, and Turia has decided to take matters into her own hands to begin an inspiring movement. .</span><br /><span></span></p> <p><span>"Once these fires are finally 'over', it won't be over for many of the local businesses in fire-ravaged towns," she explained.</span></p> <p><span>"A lot of these places (like my home in Mollymook, and Mallacoota, Kangaroo Island, Eden etc) rely on the tourist dollar for their very survival."</span></p> <p><span>Pitt mentioned the hashtag: #GoWithEmptyEskies movement, kickstarted by Tegan Webber who is encouraging people to travel to fire ravaged towns to buy their products in bulk, as well as the Buy From the Bush campaign which has encouraged people to buy from drought-affected farmers since October.</span></p> <p><span>Turia said: "So this is what I'm doing. I've created @spendwiththem, a place to feature businesses in fire-affected towns. So, if you want to buy something (now, or in the future), check out @spendwiththem and buy something from one of these places.</span></p> <blockquote style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" class="instagram-media" data-instgrm-permalink="https://www.instagram.com/p/B69jz3VgHPb/?utm_source=ig_embed&amp;utm_campaign=loading" data-instgrm-version="12"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"></div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"></div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"></div> </div> </div> <div style="padding: 19% 0;"></div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"></div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" rel="noopener" href="https://www.instagram.com/p/B69jz3VgHPb/?utm_source=ig_embed&amp;utm_campaign=loading" target="_blank">A post shared by Turia (@turiapitt)</a> on Jan 5, 2020 at 6:43pm PST</p> </div> </blockquote> <p><span>"This is a way to put money directly in the pockets of the people and communities who need it the most, and need it NOW."</span></p> <p><span>"Help them rebuild. Make them feel heard. Spend with them."</span></p> <p><span>She also sent an invitation to businesses who have been affected to contact her to be featured - telling them to visit the page, Spend With Them.</span></p> <p><span>Using her influence for good, it seems the country has reacted with elation over Turia’s emotional post.</span></p> <blockquote style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" class="instagram-media" data-instgrm-captioned="" data-instgrm-permalink="https://www.instagram.com/p/B6_rAkQADWm/?utm_source=ig_embed&amp;utm_campaign=loading" data-instgrm-version="12"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"></div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"></div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"></div> </div> </div> <div style="padding: 19% 0;"></div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"></div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <p style="margin: 8px 0 0 0; padding: 0 4px;"><a style="color: #000; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none; word-wrap: break-word;" rel="noopener" href="https://www.instagram.com/p/B6_rAkQADWm/?utm_source=ig_embed&amp;utm_campaign=loading" target="_blank">Hey guys! Grace and I are completely amazed by all of you! Thank you for supporting the businesses we’ve featured on @spendwiththem so far! We’ve been totally overwhelmed by your thousands of messages of support. So, if you’ve sent us a DM requesting we feature your business and we haven’t yet responded, please email us at spendwiththem@turiapitt.com with product pics and instructions on what people can buy online or over the phone. We’re struggling to keep track of DMs right now, so email will be best! Please know that as much as we want to support all businesses in fire-affected towns, we can’t yet encourage visitation to these areas. So, online and phone ordering options are all we can promote for now. When it is safe to do so, we’ll absolutely find a way to encourage road trips to your towns! Big love to you all - you absolute legends! ❤️❤️❤️</a></p> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;">A post shared by <a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px;" rel="noopener" href="https://www.instagram.com/turiapitt/?utm_source=ig_embed&amp;utm_campaign=loading" target="_blank"> Turia</a> (@turiapitt) on Jan 6, 2020 at 2:25pm PST</p> </div> </blockquote> <p><span>Her new Instagram page has since shot up in the ranks and received 108,000 followers.</span></p> <div class="c-message__content c-message__content--feature_sonic_inputs" data-qa="message_content"> <div class="c-message__message_blocks c-message__message_blocks--rich_text"> <div class="p-block_kit_renderer p-block_kit_renderer--absorb_margin" data-qa="block-kit-renderer"> <div class="p-block_kit_renderer__block_wrapper p-block_kit_renderer__block_wrapper--first"> <div class="p-rich_text_block"> <div class="p-rich_text_section"><em>OverSixty, its parent company and its owners are donating a total of $200,000 to the Vinnie’s Bushfire Appeal. We have also pledged an additional $100,000 of product to help all those affected by the bushfire crisis. We would love you to support too! Head to the <a rel="noopener" href="https://donate.vinnies.org.au/appeals-nsw/vinnies-nsw-bushfire-appeal-nsw" target="_blank">Vinnie's website to donate!</a></em></div> </div> </div> </div> </div> </div> <div class="c-message_actions__container c-message__actions" aria-label="Message actions"></div>

Money & Banking

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4 mindful shopping tips that can save you money and make you happier

<p><span>‘Mindfulness’ is a big buzzword these days. Referring to the practice of consciously observing your body and breath without judgment, mindfulness has gained ground in our culture as a coping mechanism; a way to deal with our feelings. Part of the appeal of mindfulness is that it’s a technique that can be applied to just about any aspect of life. You’ve no doubt heard of mindful eating, and perhaps even mindful moving. Now, mindful shopping is gaining ground in response to our seemingly innate tendency towards impulsive (and compulsive!) shopping.</span></p> <p><span>It has always been easier to spend money than to earn it, but it turns out there’s an even bigger problem now that we don’t tend to see or touch real cash. Dr Dimitrios Tsivrikos of University College London, has shown in his research that the brain experiences more discomfort spending cash money as opposed to digital money. In other words, it’s easier to spend recklessly in an economy dominated by credit card transactions.</span></p> <p><span>These mindless shopping habits can have serious repercussions on our daily lives, including buyer’s remorse, skewed financial priorities and increased levels of anxiety and unhappiness. Ultimately, it can lead to unnecessary debt, put a strain on relationships and even contribute to hoarding tendencies.</span></p> <p><span>Mindful shopping addresses the emotions at the root of reckless spending, and can serve as a means of regaining control of your bank account balance – and your emotional wellbeing.</span></p> <p><span>Here are four tips to help you regain control of your impulses.</span></p> <p><strong><span>1. Find other ways to treat yourself</span></strong></p> <p><span>We all need a pick-me-up now and again, and for many of us, the quickest fix for a miserable day is to treat yourself to something new. Unfortunately, the pleasure of an impulse purchase is fleeting, while the effect on your bank account lingers. Consider other ways to administer emotional first-aid when needed, whether it’s going for a walk with a close friend or hitting up the library to check out the latest from your favourite author.</span></p> <p><strong><span>2. Make a mindful shopping list</span></strong></p> <p><span>A mindful shopping list is one that serves to separate your daily expenses into ‘needs’ and ‘wants’ on an emotional level. A ‘need’ fulfils an essential, practical purpose which may or may not be pleasurable, like buying groceries so that you can feed yourself and your family. A ‘want’, on the other hand, is largely driven by the pleasure sensation of owning or experiencing a product, whether it’s acquiring another Louis Vuitton bag or an autographed cricket ball.</span></p> <p><strong><span>3. Be cynical of ‘sales’</span></strong></p> <p>It’s one thing to stock up on discounted products that you need on a regular basis, but it’s quite another thing to leave a store with a bag full of ‘bargains’ you never intended to buy in the first place. Be mindful that buying anything on sale is still spending – not saving.</p> <p><strong>4. Don’t substitute retail therapy for real therapy</strong></p> <p><span>Sometimes mindful shopping strategies aren’t enough to curb a serious shopping addiction. If you continue to find yourself obsessed with social status, unable to manage anxiety, and depend entirely on shopping for a sense of fulfilment, you could likely benefit from professional counselling. Chances are, there are underlying emotional issues at play that only real therapy can address.</span></p> <p><em>Source: <a href="https://www.readersdigest.ca/home-garden/money/mindful-shopping/">readersdigest.ca</a></em></p> <p><em>Written by Deepak Kashyap. This article first appeared in </em><span><a href="https://www.readersdigest.com.au/food-home-garden/money/9-mindful-shopping-tips-that-can-save-you-money-and-make-you-happier"><em>Reader’s Digest</em></a><em>. For more of what you love from the world’s best-loved magazine, </em><a href="http://readersdigest.innovations.co.nz/c/readersdigestemailsubscribe?utm_source=over60&amp;utm_medium=articles&amp;utm_campaign=RDSUB&amp;keycode=WRN93V"><em>here’s our best subscription offer.</em></a></span></p> <p> </p>

Money & Banking