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Julie Goodwin shares her top tips for perfect potatoes every time

<p dir="ltr">Who doesn't love a good, hearty, delicious serving of fluffy and decadent potatoes?</p> <p dir="ltr">Original <em>MasterChef Australia</em> champion Julie Goodwin has shared her ultimate hacks for cooking the perfect potatoes every time, whether they’re mashed, roasted or baked.</p> <p dir="ltr">According to Julie, there are three key things every home cook needs to keep in mind the next time potatoes are on the menu. </p> <p dir="ltr"><strong>Make sure you have the right potatoes </strong></p> <p dir="ltr">Depending on whether you want baked, mashed, roasted, or any other way you want to prepare your potatoes, it all starts in the supermarket. </p> <p dir="ltr">"I find that for things like mashed potatoes and gnocchi and rostis you want a floury potato, so the general rule is dirty potatoes for those things," Julie told <em><a href="https://kitchen.nine.com.au/latest/julie-goodwin-top-three-tips-to-cook-potatoes-robertson-potato-festival/4d16ba12-bf14-4af2-990e-dcf0e89c30ee">9Honey</a></em>.</p> <p dir="ltr">"And then for stuff like potato salads, boiled baby potatoes, and potato bake, it's better to have a waxy potato because they hold their substance better. And those are the ones that are sold clean, so things like the Pontiac and Desiree with the pink skin or the washed potatoes with the white skin."</p> <p dir="ltr">"If you want to use them in an Irish stew to break down and thicken the sauce you've got to use a floury potato," she says. "So tend to your dirty ones."</p> <p dir="ltr">She says that if you're buying a clean, waxy potato, you won't have to peel them since the skin is supposed to be edible.</p> <p dir="ltr">However, if you're buying a dirty, floury potato, then you're going to want to peel the dirt off first and then wash off the residue.</p> <p dir="ltr"><strong>Get those crispy edges </strong></p> <p dir="ltr">As every home cook knows, the key to the perfect roasted potato is for the inside to be soft and fluffy while the outside stays crispy. </p> <p dir="ltr">It can be a tricky balance to master, but Goodwin says there's a simple way to get it right every time.</p> <p dir="ltr">"I like to par boil them before I roast them. Just so that they go a bit fluffy around the edges," she explains. "What happens is those bits go really crispy and lovely."</p> <p dir="ltr"><strong>Let the flavour flow </strong></p> <p dir="ltr">When it comes to seasoning your potatoes, it's hard to know what flavours will suit your dish best. </p> <p dir="ltr">According to Goodwin, more is less when you season potatoes, so it's best to close the spice cabinet.</p> <p dir="ltr">"Salt is absolutely the number one, pepper's beautiful [but] it depends on what the meal is," she says. "So if you're doing a bit of a Portuguese or Spanish inspired meal you might put some paprika on there.”</p> <p dir="ltr">"But I really love rosemary and that's beautiful if you pound that up with your salt and put it on the potatoes that makes it really nice."</p> <p dir="ltr"><em>Image credits: Getty Images / Instagram</em></p>

Food & Wine

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Battling to make ends meet? Financial planning expert offers 5 tips on how to build your budget

<p><em><a href="https://theconversation.com/profiles/bomikazi-zeka-680577">Bomikazi Zeka</a>, <a href="https://theconversation.com/institutions/university-of-canberra-865">University of Canberra</a></em></p> <p>Every day seems to bring new headlines about rising costs. <a href="https://www.news24.com/news24/africa/news/nigerias-big-unions-call-indefinite-strike-over-fuel-prices-and-the-cost-of-living-20230926">In Nigeria</a>, unions are threatening to strike amid soaring fuel prices; the country’s inflation rate <a href="https://www.cbn.gov.ng/rates/inflrates.asp">hit 25%</a> in August. The amount it costs to fill a food basket in South Africa <a href="https://pmbejd.org.za/wp-content/uploads/2023/09/PMBEJD_Key-Data_September-2023_27092023.pdf">keeps climbing</a>. Ghanaians <a href="https://www.reuters.com/world/africa/multi-day-protests-over-economic-crisis-grip-ghanas-capital-2023-09-23/">took to the streets</a> of Accra in late September to protest about the cost of living.</p> <p>A <a href="https://www2.deloitte.com/us/en/insights/industry/retail-distribution/consumer-behavior-trends-state-of-the-consumer-tracker.html">recent study by the audit and consulting firm Deloitte</a> found that 75% of South Africans were concerned that the prices for everyday purchases would continue to increase, while 80% of consumers across all income groups expected the prices of groceries, household utilities and fuel to rise.</p> <p>This stark reality means budgeting may be more necessary than ever.</p> <p>If you don’t know how to create a budget, then you shouldn’t feel bad – most adults aren’t taught how to create one. And most people don’t budget, because they see it as restrictive or unsustainable. But it need not be: once you appreciate that a budget can work for you, it can be a financially empowering exercise. It’s a cornerstone of financial planning because it ensures you are living within your means and helps you remain in financial control.</p> <p>As a financial planning academic, I focus in <a href="https://researchprofiles.canberra.edu.au/en/persons/bomikazi-zeka/publications/">my research</a> on improving financial wellbeing and promoting savings behaviours through interventions such as budgeting. Here are five guidelines for creating a budget.</p> <h2>1. Apps vs spreadsheet</h2> <p>A good place to start is to choose the format of how you’re going to budget. There are several <a href="https://www.sanlamreality.co.za/wealth-sense/setting-up-a-family-budget-that-works/">online templates</a> and apps you can use for budgeting. For instance, <a href="https://www.22seven.com/">22Seven</a> has gained popularity in South Africa due to its compatibility with several financial institutions, including the country’s big five banks. Similarly, <a href="https://www.the-star.co.ke/business/kenya/2021-01-25-budgeting-using-mint-app/">Mint</a> is a popular budgeting tool that is used in Kenya and Nigeria.</p> <p>If you prefer to put pen to paper, some online templates come with <a href="https://www.wonga.co.za/blog/free-budget-template">free printable budgets</a>. Creating your own <a href="https://create.microsoft.com/en-us/learn/articles/how-to-make-excel-budget">Excel spreadsheet</a> is an equally good approach.</p> <p>What matters most is using a tool that you can commit to.</p> <h2>2. Itemising your income and expenses</h2> <p>A budget essentially shows how much you’re spending in relation to how much you’re earning. So once you have selected your budgeting tool, you need to fill in your income and itemise how much you’re spending on each expense in a month. A budget can be considered a cashflow statement because it allows you to track money coming in (income) and money going out (expenses).</p> <p>If you are living within your means, your budget should indicate a surplus – more cash inflows than cash outflows. So budgeting provides an accurate account of your short-term financial position.</p> <h2>3. A realistic account of expenses</h2> <p>When you look at your financial statements, fill your expenses into your budget honestly and accurately. Don’t cheat! Since everyone’s financial situation is different, your budget will also be unique.</p> <p>Even though there is no one-size-fits-all approach to budgeting, it should still consider all of your expenses (both regular and intermittent). A general rule of thumb is that if it’s deducted from your account then you should treat it as an expense. This includes payments for housing, medical insurance, fuel, dining out, credit card repayments and even bank fees.</p> <h2>4. Save first, spend later</h2> <p>Now you’ve seen how much you’re spending. Either it’s too much – and you can plan where to cut back – or you have savings at the end of the month.</p> <p>When compiling your budget it’s important to demarcate how much will be in the form of savings. What’s more important is getting into the habit of saving before you spend instead of saving after spending. If you spend first then you’ve deprived yourself of the opportunity to save for a rainy day.</p> <p>Furthermore, <a href="https://eprints.hud.ac.uk/id/eprint/10231/1/Microsoft_Word_-_submitted_version_3rd_June_201.pdf">research</a> has shown that getting into the habit of saving has a transgenerational effect: it can be considered a cultural value that is passed on from one generation to another. So think of saving as paying yourself first. Once you have done so, you won’t feel guilty for treating yourself because you’ve already done the financially responsible thing by putting your savings aside.</p> <h2>5. Considering assets and liabilities</h2> <p>Once you’ve become comfortable with consistently budgeting, you can take it up a notch by including your assets (everything you own with an economic value) and liabilities (everything you owe) to determine your overall financial position.</p> <p>You can get a clearer picture of your overall financial wellbeing by compiling a list of all your assets, for example your savings and <a href="https://www.investopedia.com/terms/h/home_equity.asp">home equity</a>, in relation to liabilities (such as bank loans). Knowing your long-term financial position can indicate how financially resilient or vulnerable you are. In the event of a financial emergency, you will know which resources you can draw upon to meet an unexpected expense.</p> <p>By creating a budget (and sticking to it), you can protect yourself and your household from financial shocks. Consider the alternative. Imagine you haven’t budgeted and set savings aside. If a financial emergency were to arise, your next best bet would be to borrow the funds you need. You’d have to come up with a plan to repay what you’d borrowed while also building your savings.</p> <h2>A healthy habit</h2> <p>Getting into the habit of budgeting isn’t easy, especially if you haven’t done it before or you’re intimidated by the process. But, as the expression goes, “a journey of a thousand miles begins with a single step”. Think of budgeting as taking a small but important step towards reclaiming control over your finances and improving your financial well-being.<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/214861/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em><a href="https://theconversation.com/profiles/bomikazi-zeka-680577">Bomikazi Zeka</a>, Assistant Professor in Finance and Financial Planning, <a href="https://theconversation.com/institutions/university-of-canberra-865">University of Canberra</a></em></p> <p><em>Image credits: Getty Images </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/battling-to-make-ends-meet-financial-planning-expert-offers-5-tips-on-how-to-build-your-budget-214861">original article</a>.</em></p>

Money & Banking

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5 tips to keep your dog happy when indoors

<p>The cooler months are well and truly here and the dreary weather is enough to make anyone a little sad, including our furry friends. According to a study by veterinary charity People’s Dispensary for Sick Animals, one in three dogs experience a downturn in mood during winter months. If the rain is preventing you getting out and about, here are five tips to keep your pooch happy and healthy when indoors.</p> <p><strong>1. Stair work/treadmill/indoor pool</strong></p> <p>Use what you have in your home. If you live in a multi-storey place, playing fetch up or down the stairs is a fun way for your pooch to get a workout. Alternatively, if you have a treadmill at home, use it to walk your dog on a rainy day. Swimming is also a great physical activity, particularly if dogs have joint problems.</p> <p><strong>2. Obedience training</strong></p> <p>Dust off the training books and work with your pooch to improve their obedience skills. It will keep your furry friend mentally active and dispel any boredom.</p> <p><strong>3. Hide and seek</strong></p> <p>Dogs need their senses stimulated – it’s why when they’re outside they will listen, sniff and dig out anything that’s out of the ordinary. Keep your furry friend entertained with a game of hide and seek. Place healthy treats around the house to get your pooch curious and exploring old surrounds.</p> <p><strong>4. Rotation diet</strong></p> <p>Rotating proteins (meats, fish, and poultry) and mixing in different forms of food (wet, dry and raw) will keep your dog interested in food and eating. Consult your vet about the type of diet your dog should be on for optimal health.</p> <p><strong>5. Play time</strong></p> <p>Interactive toys are a great way to pass time, stimulate and entertain your pooch inside. Puzzle toys, Kong balls with treats stuffed inside or just some one-on-one indoor play time will keep your four-legged friend happy.</p> <p><em>Image credits: Getty Images</em></p>

Family & Pets

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Days are getting shorter and colder. 6 tips for sticking to your fitness goal

<p><em><a href="https://theconversation.com/profiles/juliana-s-oliveira-709434">Juliana S. Oliveira</a>, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a>; <a href="https://theconversation.com/profiles/anne-tiedemann-409380">Anne Tiedemann</a>, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a>; <a href="https://theconversation.com/profiles/cathie-sherrington-561141">Cathie Sherrington</a>, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a>, and <a href="https://theconversation.com/profiles/leanne-hassett-1497197">Leanne Hassett</a>, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a></em></p> <p>Daylight saving ends this weekend. The days are shorter and getting colder. It’s less appealing to cycle to work, walk after dinner, or wake up early to hit the gym. But we all know daily physical activity is essential for our health and wellbeing.</p> <p>Physical activity releases feel-good neurotransmitters in our brains, which help to alleviate <a href="https://bjsm.bmj.com/content/57/18/1203">stress, anxiety, and depression</a>. It also helps <a href="https://www.cdc.gov/chronicdisease/resources/infographic/physical-activity.htm#:%7E:text=Regular%20physical%20activity%20helps%20improve,depression%20and%20anxiety%2C%20and%20dementia.">prevent diseases</a> such as diabetes, heart disease and some cancers. Regular physical activity can prolong life and improve overall quality of life.</p> <p>However, many of us find it difficult to achieve the <a href="https://bjsm.bmj.com/content/54/24/1451">recommended 150 minutes of moderate intensity physical activity</a> each week. In fact, three out of ten Australians and half of Australians aged 65 and over are <a href="https://www.aihw.gov.au/reports/physical-activity/physical-activity">inactive</a>.</p> <p>So, what can you do to stay motivated and keep moving regularly through the darker months? Here are some tips.</p> <h2>1. Nail those goals</h2> <p>Goals can provide us with a sense of purpose, meaning and direction. But just aiming to “get fit” is less likely to cut it than goals that are SMART: specific, measurable, achievable, realistic and time-bound.</p> <p><strong>Specific</strong> goals are based on an observable behaviour or activity, such as step count, yoga, or competing in an event.</p> <p><strong>Measurable</strong> goals can be tracked, so you can easily tell whether you have ticked them off.</p> <p><strong>Achievable</strong> goals are realistic and based on your current fitness and abilities. But they can and should still be challenging. If you’ve only ever run 5 kilometres, it won’t be realistic to aim for a half marathon in the next month. But you could aim for 10 kilometres.</p> <p><strong>Relevant</strong> goals hold personal meaning for you. Articulating why it’s important will help motivate you to do it.</p> <p><strong>Time-bound</strong> goals include a target date for achieving them. You can always revisit your deadline if you’re ahead of schedule or if it’s too unrealistic.</p> <p>An example of a SMART goal could be: “I will walk 10,000 steps every weekday within a month.” Then you can break it down into short-term goals to make it more achievable. If you currently walk 6,000 steps each day, you can increase steps by 1,000 every week to reach 10,000 by the end of the month.</p> <h2>2. Keep track</h2> <p>More than <a href="https://www.deloitte.com/au/en/Industries/tmt/blogs/digital-consumer-trends-who-is-purchasing-what-now.html">90% of Australians own a smartphone</a> and more than <a href="https://www.deloitte.com/au/en/Industries/telecom-media-entertainment/blogs/digital-consumer-trends-touch-less-healthier-wiser.html">two in ten own a fitness tracker or a smartwatch</a>. These devices can help you track your goals and activity, keep you accountable and increase your motivation.</p> <p>A 2021 systematic review suggests fitness trackers and smartphone apps <a href="https://bjsm.bmj.com/content/55/8/422">can assist people</a> to increase their step count by up to 2,000 steps per day. <a href="https://bjsm.bmj.com/content/54/20/1188">Our research</a> demonstrated fitness trackers can also be helpful in increasing physical activity among older people. If you don’t have a fitness tracker, you can buy low-cost pedometers or track your activity times using paper and pen.</p> <h2>3. Plan for success but prepare for barriers</h2> <p>Take some time to think about the potential barriers that could prevent you from being active and plan solutions to overcome them.</p> <p>For example, if the cost of physical activity is too high for you, try to find options that are free, such as walking or running. You can also consider free online programs or streaming videos.</p> <p>If you find it difficult to fit exercise into your busy schedule, try exercising early in the morning before you start your day and laying out your workout clothes the night before. You could consider joining a gym with flexible timetables. A good strategy is to try to fit physical activity into your daily routine, such as walking or cycling to work.</p> <p>If you are living with a chronic health condition or disability, consider seeking guidance from a health professional such as an <a href="https://www.essa.org.au/Public/SearchAEP.aspx?WebsiteKey=44cfee74-3fc3-444e-bb5f-77729c390872">exercise physiologist</a> or <a href="https://choose.physio/find-a-physio">physiotherapist</a>. Start slow and gradually increase your activity and find something you enjoy so you are more likely to keep doing it.</p> <h2>4. Team up with a workout friend</h2> <p>Physical activity can be more fun when you do it with someone else. Studies show <a href="https://www.sciencedirect.com/science/article/abs/pii/S0167494322002953?via%253Dihub&amp;sa=D&amp;source=docs&amp;ust=1712015093947627&amp;usg=AOvVaw1XGQBMDMFspL5YrQtKo3h">working out with friends can be more motivating and enjoyable</a>. It can also help with accountability, as some people are more likely to show up when they have a workout partner. So, <a href="https://www.thelancet.com/journals/lancet/article/PIIS0140-6736(13)60407-9/fulltext">find a friend</a> who supports your goal of being more active or maintaining your current activity levels.</p> <h2>5. Plan yourself a little treat</h2> <p>Make an appointment with yourself in your diary to exercise. Approach it as just as important as meeting a friend or colleague. One idea is to delay something you’d rather do and make it a reward for sticking to your activity appointment. If you really want to go out for coffee, do a hobby, or watch something, go for a walk first.</p> <p>Research shows <a href="https://www.nature.com/articles/s41746-019-0164-3">incentives can dramatically increase physical activity levels</a>.</p> <h2>6. Find a coach</h2> <p>If you want more support, <a href="https://bjsm.bmj.com/content/51/19/1425">health coaching</a> might be an option.</p> <p>Trained professionals work one-on-one with people, sometimes via telehealth, to find out what’s reducing their motivation to make healthier choices, such as exercise. Then they employ behaviour change techniques to help them meet their health goals.</p> <p>Our recent research suggests health coaching can improve physical activity in <a href="https://bjsm.bmj.com/content/58/7/382">older people</a> and those with <a href="https://www.sciencedirect.com/science/article/pii/S183695532400002X">chronic pain</a>. In <a href="https://www.gethealthynsw.com.au/#:%7E:text=About%20the%20Get%20Healthy%20Service&amp;text=Delivered%20by%20NSW%20Health%2C%20the,and%20achieve%20your%20health%20goals">New South Wales</a>, <a href="https://lifeprogram.org.au/">Victoria</a> and <a href="https://www.myhealthforlife.com.au/">Queensland</a>, these sessions are government-subsidised or free.<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/226619/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em><a href="https://theconversation.com/profiles/juliana-s-oliveira-709434">Juliana S. Oliveira</a>, Postdoctoral Research Fellow, Physical Activity, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a>; <a href="https://theconversation.com/profiles/anne-tiedemann-409380">Anne Tiedemann</a>, Professor of Physical Activity and Health, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a>; <a href="https://theconversation.com/profiles/cathie-sherrington-561141">Cathie Sherrington</a>, Professor, Institute for Musculoskeletal Health, School of Public Health, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a>, and <a href="https://theconversation.com/profiles/leanne-hassett-1497197">Leanne Hassett</a>, Associate Professor in Physiotherapy, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a></em></p> <p><em>Image credits: Getty Images </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/days-are-getting-shorter-and-colder-6-tips-for-sticking-to-your-fitness-goals-226619">original article</a>.</em></p>

Body

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Here’s why having chocolate can make you feel great or a bit sick – plus 4 tips for better eating

<p><em><a href="https://theconversation.com/profiles/saman-khalesi-366871">Saman Khalesi</a>, <a href="https://theconversation.com/institutions/cquniversity-australia-2140">CQUniversity Australia</a></em></p> <p>Australians are <a href="https://www.retail.org.au/media/sweet-spending-boon-predicted-for-easter-retail">predicted</a> to spend around A$1.7 billion on chocolates, hot cross buns and other special foods this Easter season.</p> <p>Chocolate has a long history of production and consumption. It is made from cacao beans that go through processes including fermentation, drying, roasting and grounding. What is left is a rich and fatty liquor that is pressed to remove the fat (cocoa butter) and the cacao (or “cocoa”) powder which will then be mixed with different ingredients to produce dark, milk, white and other types of chocolates.</p> <p>There are several health benefits and potential problems that come in these sweet chocolatey packages.</p> <h2>The good news</h2> <p>Cacao beans contain <a href="https://foodstruct.com/food/cocoa-bean">minerals</a> like iron, potassium, magnesium, zinc and phosphorus and some vitamins. They are also rich in beneficial chemicals called <a href="https://pubmed.ncbi.nlm.nih.gov/23150750/">polyphenols</a>.</p> <p>These are great antioxidants, with the potential to <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC5465250/">improve heart health</a>, increase <a href="https://pubmed.ncbi.nlm.nih.gov/25164923/">nitric oxide</a> (which dilates blood vessels) and <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC3488419/">reduce blood pressure</a>, provide food for gut microbiota and <a href="https://www.mdpi.com/2072-6643/12/7/1908">promote gut health</a>, boost the <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC5465250/">immune system</a> and reduce inflammation.</p> <p>However, the concentration of polyphenols in the chocolate we eat depends largely on the cocoa solid amounts used in the final product.</p> <p>In general terms, the darker the chocolate, the more cocoa solids, minerals and polyphenols it has. For example, dark chocolates may have around <a href="https://www.tandfonline.com/doi/full/10.1080/10942912.2011.614984">seven times more polyphenols</a> compared to white chocolates and <a href="https://www.tandfonline.com/doi/full/10.1080/10942912.2011.614984">three times more polyphenols</a> compared to milk chocolates.</p> <h2>But also some bad news</h2> <p>Unfortunately, the <a href="https://theconversation.com/treat-or-treatment-chocolate-is-good-but-cocoa-is-better-for-your-heart-3084">health benefits of cocoa solids</a> are easily offset by the high sugar and fat content of modern-day chocolates. For example, milk and white chocolate eggs are on average 50% sugar, 40% fat (mostly saturated fats) – which means a lot of added kilojoules (calories).</p> <p>Also, there may be some side effects that come with ingesting chocolate.</p> <p>Cocoa beans include a compound called theobromine. While it has the anti-inflammatory properties responsible for some of the health benefits of chocolate, it is also a mild brain stimulant that acts in a similar way to caffeine. The mood boost it offers may also be partly responsible for how much we <a href="https://www.frontiersin.org/articles/10.3389/fphar.2015.00030/full?crsi=662496658&amp;cicada_org_src=healthwebmagazine.com&amp;cicada_org_mdm=direct">like chocolate</a>. Dark chocolate has higher theobromine compared to milk and white chocolate.</p> <p>But accordingly, overindulging in chocolate (and therefore theobromine) may lead to feeling restless, <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC3672386/">headaches</a> and nausea.</p> <h2>What else is in your chocolate?</h2> <p>Milk and dairy-based chocolates may also cause stomach upset, abdominal pain and bloating in people with <a href="https://dietitiansaustralia.org.au/health-advice/lactose-intolerance">lactose intolerance</a>. This happens when we don’t produce enough lactase enzymes to digest milk sugar (lactose).</p> <p>People with lactose intolerance can usually tolerate up to 6 grams of lactose without showing symptoms. Milk chocolate can have around <a href="https://www.ncbi.nlm.nih.gov/books/NBK310258/">3 grams of lactose</a> per 40 grams (the size of a standard chocolate bar). So two chocolate bars (or the equivalent in milk chocolate eggs or bunnies) may be enough to cause symptoms.</p> <p>It’s worth noting that lactase enzyme activity dramatically declines as we age, with the highest activity in newborns and children. So lactose sensitivity or intolerance may not be such an issue for your kids and your symptoms may increase over time. Genetics also plays a major role in how sensitive people are to lactose.</p> <p><a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC6815241/">Allergic reactions</a> to chocolate are usually due to the added ingredients or cross-contamination with potential allergens such as nuts, milk, soy, and some sweeteners used in the production of chocolate.</p> <p>Symptoms can be mild (acne, rashes and stomach pain) or more severe (swelling of the throat and tongue and shortness of breath).</p> <p>If you or your family members have known allergic reactions, make sure you read the label before indulging – especially in a whole block or basket of the stuff. And if you or your family members do experience symptoms of an allergic reaction after eating chocolate, <a href="https://www.betterhealth.vic.gov.au/health/conditionsandtreatments/allergic-reactions-emergency-first-aid">seek medical attention</a> immediately.</p> <h2>4 take home tips</h2> <p>So, if you are like me and have a weakness for chocolate there are a few things you can do to make the experience a good one.<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/202848/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <ol> <li>keep an eye out for the darker chocolate varieties with higher cocoa solids. You may notice a percentage on labelling, which refers to how much of its weight is from cocoa beans. In general, the higher this percentage, the lower the sugar. White chocolate has almost no cocoa solid, and mostly cocoa butter, sugar and other ingredients. Dark chocolate has 50–100% cocoa beans, and less sugar. Aim for at least 70% cocoa</li> <li>read the fine print for additives and possible cross-contamination, especially if allergies might be an issue</li> <li>the ingredients list and nutrition information panel should tell you all about the chocolate you choosing. Go for varieties with lower sugar and less saturated fat. Nuts, seeds and dried fruits are better ingredients to have in your chocolate than sugar, creme, syrup, and caramel</li> <li>finally, treat yourself – but keep the amount you have within sensible limits!</li> </ol> <p><em><a href="https://theconversation.com/profiles/saman-khalesi-366871">Saman Khalesi</a>, Postdoctoral Fellow of the National Heart Foundation &amp; Senior Lecturer and Discipline Lead in Nutrition, School of Health, Medical and Applied Sciences, <a href="https://theconversation.com/institutions/cquniversity-australia-2140">CQUniversity Australia</a></em></p> <p><em>Image credits: Getty Images</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/heres-why-having-chocolate-can-make-you-feel-great-or-a-bit-sick-plus-4-tips-for-better-eating-202848">original article</a>.</em></p>

Food & Wine

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How long does menopause last? 5 tips for navigating uncertain times

<p><em><a href="https://theconversation.com/profiles/yvonne-middlewick-1395795">Yvonne Middlewick</a>, <a href="https://theconversation.com/institutions/edith-cowan-university-720">Edith Cowan University</a></em></p> <p>Around half of the world’s population are women or people who menstruate – yet the way their body works can be a mystery, even to them.</p> <p>Most women will experience periods roughly every month, many will go through childbirth and those who live into midlife will experience menopause.</p> <p>While menopause is a significant time of change, it isn’t talked about much, other than as a punchline. This may contribute to keeping it a <a href="https://www.theguardian.com/membership/2019/sep/21/breaking-the-menopause-taboo-there-are-vital-stories-we-should-continue-to-pursue">taboo topic</a>.</p> <p>So, what happens during menopause? How do you know when it is happening to you? And – the thing most women want to know – how long will it last?</p> <h2>What is menopause?</h2> <p>Menopause is <a href="https://www.nia.nih.gov/health/what-menopause">defined</a> as the permanent cessation of menstruation, which is medically determined to be one year after the final menstrual period. After this time women are considered to be postmenopausal.</p> <p>The <a href="https://pubmed.ncbi.nlm.nih.gov/26598775/">average age</a> of “natural menopause” (that is not caused by a medical condition, treatment or surgery) is considered to be around 51 years.</p> <p>However, natural menopause does not occur suddenly. <a href="https://www.researchgate.net/profile/Riitta-Luoto/publication/46425690_Prevalence_of_menopause_symptoms_and_their_association_with_lifestyle_among_Finnish_middle-aged_women/links/5c5704ac458515a4c7553c7b/Prevalence-of-menopause-symptoms-and-their-association-with-lifestyle-among-Finnish-middle-aged-women.pdf">Changes can begin</a> a number of years before periods stop and most often occur in a woman’s 40s but they can be earlier. Changes <a href="https://pubmed.ncbi.nlm.nih.gov/25686030/">can continue</a> for 10 years or more after periods have stopped.</p> <p>Using hormones such as the oral contraceptive pill or hormone intrauterine devices may make it more <a href="https://pubmed.ncbi.nlm.nih.gov/31934948/">difficult to determine</a> when changes start.</p> <p>Menopause that occurs <a href="https://www.womenshealth.gov/menopause/early-or-premature-menopause#:%7E:text=Menopause%20that%20happens%20before%20age,to%20come%20earlier%20than%20usual.">before 45</a> is called “early menopause”, while menopause before 40 is called “premature menopause”.</p> <h2>What about perimenopause?</h2> <p>Various <a href="https://www.menopause.org.au/hp/information-sheets/glossary-of-terms">terms</a> are used to describe this period of change, including “menopause” or “the menopause”, “menopausal transition”, “perimenopause” or “<a href="https://pubmed.ncbi.nlm.nih.gov/12188398/">climacteric</a>”.</p> <p>These terms tend to refer to the period before and after the final menstrual period, when changes are considered to be related to menopause.</p> <p>The difficulty with the definition of menopause is it can only be decided retrospectively. Yet women can experience changes many years before their periods stop (a lead up usually called “perimenopause”). Also, any <a href="https://www.sciencedirect.com/sdfe/pdf/download/eid/1-s2.0-S0889854518300627/first-page-pdf">changes noticed</a> may not be associated with menopause (because people might not be aware of what to expect) or changes may be associated with a combination of factors such as stress, being busy or other health issues.</p> <h2>So, what is going on?</h2> <p>Through a feminist lens, menopause can be seen as a <a href="https://www.researchgate.net/publication/354652248_The_volcano_within_a_study_of_women's_lived_experience_of_the_journey_through_natural_menopause">complex and diverse experience</a>, influenced by biological, psychological, social and cultural aspects of women’s lives.</p> <p>However, it is usually viewed from the biomedical perspective. This sees it as a biological event, marked by the <a href="https://www.sciencedirect.com/science/article/pii/S0091302220300418">decline</a> in ovarian hormone levels leading to a reduction in reproductive function.</p> <p>The female reproductive system operates because of a finely tuned balance of hormones managed by the <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC6466056/#:%7E:text=The%20hypothalamic%2Dpituitary%2Dovarian%20(HPO)%20axis%20must%20be,priming%20the%20endometrium%20for%20implantation.">hypothalamic-pituitary-ovarian axis</a>. International <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC3340903/">experts</a> have developed a staging system for female reproductive ageing, with seven stages from “early reproductive” years to “late postmenopause”.</p> <p>However, female reproductive hormones do not just affect the reproductive system but <a href="https://www.sciencedirect.com/science/article/pii/S0091302220300418">other aspects</a> of the body’s function. These include the <a href="https://pubmed.ncbi.nlm.nih.gov/26007613/">neurological system</a>, which is linked to hot flushes and night sweats and disrupted sleep. Hormones may also affect the <a href="https://www.nature.com/articles/nrdp20154">heart and body’s blood circulation</a>, bone health and potentially the <a href="https://www.sciencedirect.com/science/article/pii/S0091302220300418">immune system</a>.</p> <p>Menopausal hormone changes may <a href="https://www.thewomens.org.au/health-information/menopause-information/menopause-symptoms/">cause</a> hot flushes, night/cold sweats, mood swings, sleep disruption and tiredness, vaginal dryness.</p> <p>Medical confirmation of menopausal changes in women over 45 years is based on two biological indicators: vasomotor symptoms (those hot flushes and night sweats again) and an <a href="https://www.womenshealth.gov/menopause/early-or-premature-menopause#:%7E:text=Menopause%20that%20happens%20before%20age,to%20come%20earlier%20than%20usual.">irregular menstrual cycle</a>.</p> <p>In early perimenopause the changes to the menstrual cycle may be subtle. Women may not recognise early indicators, unless they keep a record and know what to watch for.</p> <h2>How long does it last?</h2> <p>The body demonstrates an amazing ability to change over a lifetime. In a similar way to adolescence where long-lasting changes occur, the outcome of menopause is also change.</p> <p>Research suggests it is difficult to give an exact time frame for how long menopausal changes occur – the <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC3085137/">average</a> is between four and eight years.</p> <p>The <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC3085137/">Penn Ovarian Ageing Study</a> found 79% of the 259 participants experienced hot flushes starting before the age of 50, most commonly between 45 and 49 years of age.</p> <p>A later report on the same study found one third of women studied experienced <a href="https://womensmidlifehealthjournal.biomedcentral.com/articles/10.1186/s40695-016-0014-2">moderate to severe hot flushes</a> more than ten years after their periods had stopped. A <a href="https://journals.lww.com/menopausejournal/Abstract/2017/03000/Cultural_issues_in_menopause__an_exploratory.11.aspx">2017 study</a> found a small number of women continued to experience hot flushes and other symptoms into their 70s.</p> <p>So overall, the research cannot offer a specific window for perimenopause, and menopause does not appear to mark the end of changes for everyone.</p> <h2>5 tips for uncertain times</h2> <p>Shifts and changes can be recognised early by developing knowledge, paying attention to changes to our bodies and talking about menopause and perimenopause more openly.</p> <p>Here are five tips for moving from uncertainty to certainty:</p> <p><strong>1.</strong> talk to people and find out as much information as you can. The experiences of mothers and sisters may help, for some women there are familial similarities</p> <p><strong>2.</strong> notice any changes to your body and make a note of them, this will help you recognise changes earlier. There are <a href="https://www.redonline.co.uk/wellbeing/a36980118/menopause-apps/">menopause tracking apps</a> available</p> <p><strong>3.</strong> keep a note of your menstrual cycle: start date, duration, flow and note any changes. Again, an app might help</p> <p><strong>4.</strong> if you are worried, seek advice from a GP or nurse that specialises in women’s health. They may suggest ways to help with symptoms or refer to a specialist</p> <p><strong>5.</strong> remember changes are the indicator to pay attention to, not time or your age.</p> <p>Menopause is a natural process and although we have focused here on the time frame and “symptoms”, it can also be a time of freedom (particularly from periods!), reflection and a time to focus on yourself.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/195211/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <figure><iframe src="https://www.youtube.com/embed/lhosPUwWhfI?wmode=transparent&amp;start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe><figcaption><span class="caption">Women speak about their experiences of menopause.</span></figcaption></figure> <p><em><a href="https://theconversation.com/profiles/yvonne-middlewick-1395795">Yvonne Middlewick</a>, Nurse &amp; Lecturer, <a href="https://theconversation.com/institutions/edith-cowan-university-720">Edith Cowan University</a></em></p> <p><em>Image credits: Getty Images </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-long-does-menopause-last-5-tips-for-navigating-uncertain-times-195211">original article</a>.</em></p>

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Five tips for developing and managing your budget – even in tough economic times

<p><em><a href="https://theconversation.com/profiles/oluwabunmi-adejumo-1370664">Oluwabunmi Adejumo</a>, <a href="https://theconversation.com/institutions/obafemi-awolowo-university-2843">Obafemi Awolowo University</a></em></p> <p>There’s nothing quite like a new year to prompt us to take stock of our lives, our health, our goals – and our finances. Many people will start a new year by contemplating how best to budget, plan and save. This is always a good set of aims, but it’s especially important in the inflation-prone and unpredictable economies we’re seeing <a href="https://www.statista.com/statistics/268225/countries-with-the-highest-inflation-rate/">all over Africa and the world</a>.</p> <p>Budgeting is especially key. It is the most effective method to <a href="https://www.thebalancemoney.com/how-to-make-a-budget-1289587">monitor income and expenditure</a>. <a href="https://www.uslendingcompany.com/blog/key-differences-in-writing-a-household-budget-vs-a-personal-budget/">Personal budgets</a> can help you to monitor your resources in pursuit of larger financial goals. Budgeting also offers <a href="https://www.acrwebsite.org/volumes/v46/acr_vol46_2411998.pdf">more opportunities</a> to save money, reduce your debts and live a comfortable life. It can even <a href="https://prucomm.ac.uk/assets/uploads/blog/2013/04/Personal-Budgets-review-of-evidence_FINAL-REPORT.pdf">improve your mental health</a>.</p> <p>But where should you start? What questions do you need to answer in creating a budget? Here are some tips that I’ve learned – not just as an economist, but as a research cost analyst and someone who keeps a budget too.</p> <h2>1. Understand the broader economic conditions</h2> <p>It is imperative that individuals keep themselves aware and up-to-date on the realities of their country’s economic landscape. You don’t have to be a professional economist, but keep an eye on new developments like free business registration, small business development funds and printing of new money notes. What is the current exchange rate? What’s the political landscape and what international factors, like the price of crude oil, are at play? You should also watch the inflation rate and have a sense of unemployment trends.</p> <p>This economic awareness will prepare you to draft your own budget and you’ll have a sense of when external factors mean it’s time to revisit your plans.</p> <h2>2. Review your income sources</h2> <p>The ability to earn income is critical to sustaining livelihoods. Having a definite source of income is the bedrock of budgeting.</p> <p>Some important questions you should ask about your income – and how you might budget with it – include:</p> <ul> <li>What is my current income?</li> <li>What do I use my income for?</li> <li>Am I able to save, given my current income?</li> <li>What proportion of my income do I save and what proportion do I spend?</li> <li>Do I have the capacity to earn more than this?</li> <li>How can I improve my income?</li> </ul> <p>Your answers can help you to identify gaps or untapped potential. Those with irregular or unpredictable income should factor in the element of time-gap in their income, for effective budgeting. Time gap is when they are not earning income. And everyone should make allowance in their budgets for uncertainties like health issues, social engagements, inflation, unemployment, recession and price shocks.</p> <h2>3. Appraise your expenses</h2> <p>Expenses can be broadly categorised into “variable” and “fixed”.</p> <p>Fixed expenses recur within a short period: housing, food, transport, medical costs, electricity, utilities, toiletries and clothing. Variable expenses are more long-term and irregular, such as investment in property or interest-yielding assets, and the purchase of machinery.</p> <p>The main essence of revising our expenses is to analyse and possibly improve our spending habits. In reviewing our expenses, we can consider issues such as:</p> <ul> <li>What is the proportion of consumption-savings ratio from my income? This is how much do I spend compared to how much I save.</li> <li>What are my regular expenses?</li> <li>What are my fixed, capital or investment expenses?</li> <li>What are my extraordinary expenses that need modification?</li> <li>Have there been emergency or extraordinary expenses?</li> </ul> <p>A careful response to the issues raised above offers an occasion to re-evaluate the pattern and direction of our expenses. For instance, overspending, unplanned or extraordinary expenses can be identified. This can lead to an optimal, efficient reallocation of available resources.</p> <h2>4. Stabilise your finances through savings</h2> <p>Savings have been <a href="https://klinglercpa.com/bedrock-principles-for-saving-money/">described</a> as a financial stabiliser, given their potential to cater for urgent needs and create opportunities for investments.</p> <p>Of course, savings have more value when they grow faster than the rate of inflation. Inflation erodes the value of savings. For instance, an amount of 300,000 naira (US$676) saved to purchase an autorickshaw today may be impossible in two months’ time with an inflation rate of 10% when the tricycle price rises to 330,000 naira (US$744). The reverse is the case when there is deflation.</p> <p>Therefore, it is advisable to improve the value of savings through investments in interest-yielding assets such as stocks, shares, bonds, microfinance and production.</p> <p>That’s not to say it’s always easy to save. Many income earners spend as they go, not seeing savings as part of their budgets. Harsh economic realities can also make it difficult – sometimes seemingly impossible – to save. But it’s not impossible: savings can be made in small amounts, through a daily, weekly or monthly contribution to collections, cooperative schemes or microfinance affiliations. For instance, a point of sale business in Nigeria can permit a daily contribution of 500 naira (US$1.13) over 25 work days, giving an average saving of 12,500 naira (US$28.18) per month.</p> <p>The Point-of-Sale business started in Nigeria in 2013 when the Central Bank of Nigeria introduced the agent banking system. A POS agent operates and processes transactions through a POS service provider. Providers of such services include banks, microfinance banks and fintech companies.</p> <h2>5. Run a flexible budget</h2> <p>Once your budget is created, remember that it’s not set in stone. It should be flexible if anything changes in your life. For instance, an amount saved to buy a car can be invested in a promising venture buying shares through public offerings or private placements in multinational organisations like Nestle or Unilever.</p> <p>Also, health emergencies or career advancement programmes can require taking some money out of our savings.</p> <p>In all, budgeting should be flexible enough to incorporate exigencies, especially when catering for the current situation will culminate into a greater good.<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/195590/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em><a href="https://theconversation.com/profiles/oluwabunmi-adejumo-1370664">Oluwabunmi Adejumo</a>, Lecturer/Researcher, <a href="https://theconversation.com/institutions/obafemi-awolowo-university-2843">Obafemi Awolowo University</a></em></p> <p><em>Image credits: Getty Images </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/five-tips-for-developing-and-managing-your-budget-even-in-tough-economic-times-195590">original article</a>.</em></p>

Money & Banking

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Top tips for happy and healthy eyes this Autumn

<p dir="ltr">As the season changes, so do our healthcare needs as many people struggle with irritating allergies. </p> <p dir="ltr">With cooler temperatures, dry air and an increase in pollen often being synonymous with autumn and spring, for many people, leaving the house means having irritated eyes. </p> <p dir="ltr">Luckily, leading Ophthalmologist, Dr. Jacqueline Beltz has shared her essential tips for eye care during autumn with OverSixty, giving you the opportunity to enjoy the change of seasons without jeopardising your vision. </p> <p dir="ltr"><strong>1. Keep your sunglasses handy</strong></p> <p dir="ltr">While the sun is usually not as intense in autumn as it is during summer, Dr Beltz says that using sunglasses can benefit your eyes in many ways. </p> <p dir="ltr">“ Not only do they shield your eyes from harmful UV rays, but they also guard against wind and debris,” she said. </p> <p dir="ltr"><strong>2. Increase your lubricant eye drops</strong></p> <p dir="ltr">Dr Beltz said, “The drop in temperature and the dryer air can contribute to discomfort and dryness in your eyes, so consider increasing the use of lubricant eye drops to keep your eyes moist and comfortable.”</p> <p dir="ltr">By keeping up your eye drops in autumn, you can prevent further damage to your eyes in the long run. </p> <p dir="ltr"><strong>3. Clean your eyelashes daily</strong></p> <p dir="ltr">According to Dr Beltz, keeping up with good health and hygiene along the eyelid margins is essential, especially during the autumn months. </p> <p dir="ltr">“Cleanse your lashes daily and use a warm compress to optimise the quality of your tear film. This helps in preventing irritation and supports overall eye health.”</p> <p dir="ltr"><strong>4. Consider a humidifier</strong></p> <p dir="ltr">To ensure a more comfortable environment for your eyes, Dr Beltz recommends adding moisture to the air can help alleviate dry eyes.</p> <p dir="ltr">She said, “Combat the dry indoor air by using a humidifier in your room, especially while you sleep.”</p> <p dir="ltr"><strong>5. Be proactive with allergies</strong></p> <p dir="ltr">If you are prone to allergies, Dr Beltz said it's best to always be prepared ahead of time. </p> <p dir="ltr">“Autumn allergies are a reality, with triggers like pollen, mould, and dust prevalent during this season,” she said. </p> <p dir="ltr">“If you experience red, itchy, or swollen eyes, consider antihistamine eye drops. Keep your hands clean and avoid rubbing your eyes.”</p> <p dir="ltr"><strong>6. Revitalise your eye makeup</strong></p> <p dir="ltr">While replacing your eye makeup is important all year around, the addition of allergens makes it even more important to Change mascara and non-cleanable products like liquid eyeliner at least every three months. </p> <p dir="ltr">“Especially if you have sensitive eyes, makeup products can harbour bacteria, leading to increased eye irritation.”</p> <p dir="ltr">“Refreshing your eye makeup products to options that are designed to be better suited for dry eyes or eye sensitivity.”</p> <p dir="ltr">If you are <a href="https://oversixty.com.au/lifestyle/beauty-style/embracing-the-art-of-beauty-without-compromise">prone to sensitive eyes</a>, consider trying the OKKIYO <a href="https://www.okkiyo.com/products/protect-and-preserve-mascara#xd_co_f=NzdiNzdlNTctNTA1MS00NTBkLWE1MGEtNjRkMGE2OTI1N2Vj~">Prioriteyes Mascara</a>, which was developed by Dr Beltz to prioritise both style and eye health.</p> <p dir="ltr">While these tips for eye health can seem simple and seemingly unimportant, Dr Beltz assures that by following these tips, you will make a world of difference for your eye health overall. </p> <p dir="ltr">She said, “Implementing these simple tips can make a significant difference in keeping your eyes comfortable and vibrant throughout the season.”</p> <p dir="ltr"><em>Image credits: Getty Images </em></p>

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14 personal finance tips you were never taught – but need to know

<p><strong>Take a day to think about large purchases to avoid impulse buys</strong></p> <p>“Delaying your purchases for a day gives you time to think about whether or not you really need the items, and it curbs regrettable impulse buys,” advises Marc Diana, CEO of MoneyTips.</p> <p>“Sale items may be an exception to this rule, but even then, question how badly you need the item compared to saving or investing the money you would use to purchase it. When times are tough, and you’re cutting expenses, would you rather have a rarely worn $300 pair of shoes or $300 cash?”</p> <p><strong>Budgets are freeing, not constricting</strong></p> <p>Says financial educator Tiffany Aliche, “Keeping a budget allows you to say yes to your goals in a strategic way. If you have a budget, you can save for the holiday, house or car you want to get. You can look at it as ‘No dining out,’ but I see it as ‘Yes to a trip to Paris.’ A budget is not a NO plan, but a YES plan with actual steps towards achieving your goals.”</p> <p><strong>Budget with the 50/20/30 rule</strong></p> <p>Lynn Toomey, co-founder of Your Retirement Advisor, suggests following this easy budgeting rule:</p> <p>Use 50 per cent of your income for non-discretionary necessities like food, rent/house payment, utilities, and transportation.</p> <p>Put aside 20 per cent of your income for an emergency fund (three to six months’ salary is a good target), retirement, savings, and to pay off any debts.</p> <p>Use 30 per cent of your income for discretionary (non-essential) spending such as entertainment, holidays and gifts.</p> <p><strong>Penny-pinching is not the road to wealth</strong></p> <p>Spending less doesn’t mean you’ll have more. Saving is a good way to stabilise your finances, but you still need to invest. “Pretend there are two islands,” advises Aliche, who is also known as The Budgetnista: “Financially Stuck Island and Wealthy Island.”</p> <p>She says that your savings can be like a car – you can’t drive off Financially Stuck Island without a bridge. Investing is the bridge to financial success. “To get from one island to another, you need to get in your savings car and drive it over your investment bridge.”</p> <p><strong>It’s OK to put yourself before your kids</strong></p> <p>Many people want their kids to go to university, says Aliche, “but it’s more important for you to save enough for retirement. Because the best gift you can give your child is not a free ride to school, but rather not to be a financial burden on them when it’s time to start their own family. Kids can get student loans; no one is going to lend you money without collateral when you’re retired.”</p> <p><strong>Financial advisors aren’t only for wealthy people</strong></p> <p>Millions of people have trillions invested in stocks, bonds, mutual funds and other stock exchange investments, but just because you can easily make trades yourself doesn’t mean you should. “Why not do what you do best to earn money and let a trained professional invest it for you?” asks Brian Saranovitz, president of Your Retirement Advisor. “A recent Vanguard Investments study indicated that integrating proper retirement strategies can add as much as 3 per cent efficient return to a retirement portfolio.”</p> <p>Adds Aliche, “You need to purposefully seek out knowledge. If you break a leg, you know that you need to go to a doctor. With personal finance, people have got the notion that they could just fix it themselves. When it comes to investing, don’t be afraid to seek professional help.”</p> <p><strong>Get a clear picture of yourself at 80</strong></p> <p>Barring tragedy, you will live to a ripe, old age. Aliche recommends naming your 80-year-old image of yourself. “Mine is Wanda. I imagine Wanda sitting on the front steps in her yard. People feel disconnected from their older self. The more you can picture her, the better. I don’t want to see her mopping floors at 80. When I’m making a decision, I think, ‘How will this affect Wanda?’ If I dip into my retirement funds to buy an expensive car, that’s going to hurt Wanda.”</p> <p>If it’s easier, pretend you’re living with your grandfather or grandmother. “You’re not going to tell Granny, ‘You have to go to work. We need the money,’” she says.</p> <p><strong>You can never have too much retirement savings</strong></p> <p>Says Lynn Toomey, co-founder of Your Retirement Advisor, “Life is good. Retirement is better, if you are prepared.” She points out that retirement is laden with potential costs, such as healthcare, longevity, market volatility and inflation.</p> <p>“Even if you think you’re saving enough and have assets, it still may not be enough. The earlier you start saving and investing, the longer compound interest can work its magic to help you achieve a successful retirement.”</p> <p><strong>Don’t blow your tax refund</strong></p> <p>“What are you planning on doing with your tax refund?” asks financial advisor Mike Zaino. “If you’re like most people, the world of instant gratification is beckoning. It could be extremely damaging to your retirement account, however, especially given the time value of money and what Albert Einstein called ‘The eighth wonder of the world” – compound interest.”</p> <p><strong>Ask current lenders for a better rate</strong></p> <p>“Banks, credit unions and other lenders are keenly aware of their competition,” says Diana of MoneyTips.com. “If your credit score qualifies you for a better rate from another credit card issuer or lender, ask them to match the rate. There’s no downside to asking; the worst they could do is refuse.”</p> <p><strong>Asking for your credit limit to be raised can improve your credit score</strong></p> <p>Keep your credit utilisation – the amount of credit you use compared to your credit limit – low to boost your all-important credit, advises Diana. “You can borrow less, or you can ask for a raise in your credit limit.”</p> <p>A recent study from CreditCards.com found that only 28 per cent of respondents have never asked for an increase in their credit limit. However, a whopping 89 per cent of those who asked for a credit limit increase received one.</p> <p><strong>Unless they have a high annual fee, don’t close your old credit cards</strong></p> <p>“The longer your stable credit history, the better it reflects on your credit score,” explains Diana. “The age of accounts is averaged over all of your credit accounts, so closing an older account that is infrequently used actually harms your credit score in two ways: it lowers your credit limit, which raises your credit utilisation; and it lowers your average account age. If you have an old card with a decent credit limit, use it at least annually to keep it open. But don’t forget to pay the bill on time!”</p> <p><strong>Don’t ever co-sign a loan</strong></p> <p>“Co-signing a loan isn’t just vouching for someone’s character,” explains Toomey. “Understand that if the borrower doesn’t pay, then you’re responsible for every single missed payment. If they don’t pay, it’s your credit that will be ruined.”</p> <p><strong>Being debt-free should not be your goal</strong></p> <p>Says Aliche, creator of the Live Richer Challenge, “People focus on getting out of debt. If they use that money to grow wealth instead of getting rid of debt, they could be debt-free faster. Do you pay off your student loans to get debt-free, or invest money in your business to grow and secure wealth for yourself? If you focus on being debt-free, that’s all you’ll be. If you focus on building wealth, then you can be wealthy and debt-free.”</p> <p><em>Image credits: Getty Images</em></p> <p><em>This article originally appeared on <a href="https://www.readersdigest.co.nz/food-home-garden/money/14-personal-finance-tips-you-were-never-taught-but-need-to-know?pages=1" target="_blank" rel="noopener">Reader's Digest</a>. </em></p>

Money & Banking

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Netflix reveals top TV shows of 2023

<p>Netflix has released its first ever biannual report into how their original shows and performed on the platform. </p> <p>The report titled “What We Watched: A Netflix Engagement Report”, covers over 18,000 titles and nearly 100 billion hours viewed between a six-month period from January and June. </p> <p>Content is included in the report if it's been watched for over 50,000 hours. </p> <p>According to the list the most-watched TV show during the six month period, was Season 1 of <em>The Night Agent, </em>a US show which stars Gabriel Basso and Luciane Buchanan. </p> <p>The show racked up a massive 812.1 million hours of viewership.</p> <p>Comedy-drama <em>Ginny &amp; Georgia </em>took second spot, which was streamed for over 665 million hours. </p> <p>The third most-watched show was the first season of the South Korean thriller <em>The Glory </em>with 622 million hours of viewership. </p> <p>Worldwide hit <em>Wednesday, </em>starring Jenna Ortega ranked fourth, with half a billion hours from January to June, even though it technically had over one billion hours of viewership in the first 19 days since after it was released in November 2022. </p> <p>But since the show premiered late last year, most viewers had already finished the series by the time the Netflix report began. </p> <p>Netflix co – chief executive Ted Sarandos said that the streaming platform is making continuous effort to make viewership information more public, in order to build trust with their audience. </p> <p>“In the earliest days, it really wasn’t really in our interest to be that transparent because we were building a new business and we also needed room to learn but we also didn’t want to provide road maps to future competitors,” Sarandos told reporters, according to <em>Vulture</em>. </p> <p>“The unintended consequence of not having more transparent data about our engagement was it created an atmosphere of mistrust over time with producers and creators and the press about what was happening on Netflix,” Sarados said.</p> <p>“So we’ve been on this continuum of opening things up.”</p> <p><em>Image: </em><em>Phil Barker/Future Publishing via Getty Images</em></p>

TV

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Top 80s songs to get you moving

<p class="Default">While the fashion from the 1980s might only come out of the closet for dress up parties these days, the music is still considered some of the best of our time. Especially for music to get you moving.</p> <p class="Default">From dance and pop hits to a little rap and rock, it’s got to be one of the most diverse, eclectic and extravagant decades in recent cultural history.</p> <p class="Default">Here, we have been busy rifling through the tracks to whittle down a decade of music into 40 of the best tracks to move to. From dancing to exercise, if you want to get up off that couch, these are the songs to hit play on.</p> <p>1. “Girls Just Want to Have Fun” by Cyndi Lauper (1983)<br />2. “Hit Me with Your Best Shot” by Pat Benatar (1980)<br />3. “Eye of the Tiger” by Survivor (1982)<br />4. “Love Shack” by The B-52's (1989)<br />5. “Beat It” by Michael Jackson (1982)<br />6. “Manic Monday” by The Bangles (1986)<br />7. “Let's Dance” by David Bowie (1983)<br />8. “Livin' on a Prayer” by Bon Jovi (1986)<br />9. “I Love Rock N' Roll” by Joan Jett &amp; The Blackhearts (1982)<br />10. “Thriller” by Michael Jackson (1982)<br />11. “Faith” by George Michael (1987)<br />12. “Jump” by Van Halen (1984)<br />13. “Don't Stop Believin’" by Journey (1982)<br />14. “Walking on Sunshine” by Katrina &amp; The Waves (1983)<br />15. “Kiss” by Prince (1986)<br />16. “Holiday” by Madonna (1983)<br />17. “Celebration” by Kool and the Gang (1980)<br />18. “Billie Jean” by Michael Jackson (1982)<br />19. “Love is a Battlefield” by Pat Benatar (1983)<br />20. “Sweet Dreams (Are Made of This)” by Eurythmics (1983)<br />21. “White Wedding” by Billy Idol (1982)<br />22. “Take on Me” by a-ha (1985)<br />23. “Video Killed the Radio Star” by The Buggles (1981)<br />24. “Karma Chameleon” by Culture Club (1983)<br />25. “The Tide is High” by Blondie (1980)<br />26. “Wake Me Up Before You Go-Go” by Wham (1984)<br />27. “Let's Hear It for the Boy” by Deniece Williams (1984)<br />28. “A Little Respect” by Erasure (1988)<br />29. “Sweet Child O' Mine” by Guns N' Roses (1987)<br />30. “Footloose” by Kenny Loggins (1984)<br />31. “Wild Thing” by Tone-Loc (1989)<br />32. “Tainted Love” by Soft Cell (1981)<br />33. “Borderline” by Madonna (1983)<br />34. “I Wanna Dance With Somebody” by Whitney Houston (1987)<br />35. “Just Can't Get Enough” by Depeche Mode (1981)<br />36. “Never Gonna Give You Up” by Rick Astley (1987)<br />37. “Always Something There to Remind Me” by Naked Eyes (1983)<br />38. “You Got It (The Right Stuff)” by New Kids on the Block (1988)<br />39. “It Takes Two” by Rob Base (1988)<br />40. “Down Under” by Men at Work (1981)</p> <p><em>Image: Getty</em></p>

Music

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4 tips to help your loved one with dementia enjoy the festive season

<p><em><a href="https://theconversation.com/profiles/nikki-anne-wilson-342631">Nikki-Anne Wilson</a>, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a></em></p> <p>The festive season is fast approaching, and if you’re organising celebrations with family or friends, you might be grappling with a seemingly endless to-do list. But as you make these plans, it’s important to consider how you can best include any friends or loved ones living with dementia.</p> <p>While no two people experience dementia in the exact same way, <a href="https://www.dementia.org.au/about-dementia/what-is-dementia">dementia</a> often affects the way people process and respond to their environment. Too much stimulation – like a lot of noise and activity at a Christmas party – can be overwhelming and may cause confusion or agitation.</p> <p>Finding ways to create a <a href="https://www.healthdirect.gov.au/creating-a-calming-home-for-people-with-dementia#:%7E:text=The%20physical%20environment%20is%20important,in%20and%20enjoy%20everyday%20activities.">safe environment</a> at home for your loved one with dementia will help maximise the chances everyone has a good time.</p> <h2>1. Plan ahead, but be flexible</h2> <p>Planning celebrations can be overwhelming for everyone involved, and having excessive expectations can raise stress levels. Try to keep <a href="https://www.dementia.org.au/information/about-you/i-am-a-carer-family-member-or-friend">expectations realistic</a> and in line with the current needs of your friend or loved one living with dementia.</p> <p>For example, people with dementia may experience <a href="https://www.dementia.org.au/information/about-you/i-am-a-carer-family-member-or-friend/personal-care/eating">changes in their appetite</a> or food preferences, or difficulties chewing and swallowing. These changes might make some of the things on your festive menu unappetising or difficult to eat. Be guided by the needs and preferences of the person with dementia and keep options limited to one or two special foods if larger banquets are likely to be overwhelming.</p> <p>Things can change quickly for people living with dementia and their abilities will likely <a href="https://www.dementia.org.au/about-dementia/what-is-dementia/progression-of-dementia#:%7E:text=A%20person%20with%20dementia's%20abilities,over%20a%20number%20of%20years.">vary from day to day</a>. Try to be flexible and have a backup plan in place. For special events, plan to record speeches or ceremonies to share when things are quieter.</p> <p>If you’re planning a large event, consider having a smaller gathering with your loved one with dementia and just a few special people.</p> <h2>2. Stick to the familiar</h2> <p>The sudden appearance of lots of decorations <a href="https://www.dementia.org.au/sites/default/files/helpsheets/Helpsheet-TipsToAssistSocialEngagement03-TipsForHolidayCheer_english.pdf">may be overwhelming</a> for a person with dementia and trigger a negative sensory reaction or distress. Ensure decorations are safe and familiar and put them up slowly over a period of a few days.</p> <p>Try to also stick to familiar traditions and routines. <a href="https://www.alz.org/help-support/caregiving/daily-care/daily-care-plan">Daily routines</a> are an important way of supporting people with dementia and sudden changes <a href="https://memory.ucsf.edu/caregiving-support/behavior-personality-changes#I-Investigate-Possible-Causes">may result in agitation and distress</a>. Stick to routine eating, bathing, and rest times where possible throughout the holiday period.</p> <p>For many people with dementia, long-term memories are less affected than <a href="https://www.alzheimers.org.uk/about-dementia/symptoms-and-diagnosis/symptoms/memory-loss">more recent memories</a>. Familiar family traditions can therefore be a good way to <a href="https://www.dementia.org.au/national/support-and-services/carers/therapies-and-communication-approaches">reminisce</a>. Family keepsakes or <a href="https://www.dementia.org.au/sites/default/files/20110303-NSW-LifeHistoryBook.pdf">memory books</a> can also help connect with stories from past celebrations.</p> <h2>3. Have a quiet space</h2> <p>Try to have <a href="https://www.scie.org.uk/dementia/supporting-people-with-dementia/dementia-friendly-environments/noise.asp">a quiet place</a> where the person living with dementia can go if things become overwhelming. Designating a support person who can stay with them throughout the day and take them to a separate room or area away from the action can help to keep things calm.</p> <p>Having some familiar objects or <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC5432607/#:%7E:text=Passive%20music%20listening%20is%20reported,et%20al.%2C%202013">quiet music</a> in the space can be a good way to block out the noise of activities and reduce agitation.</p> <h2>4. Make sure everyone has a part</h2> <p>Everyone wants to feel a part of the activities on a special day, including people living with dementia. Ensuring everyone has a role to play may mean modifying tasks to suit the abilities of the person with dementia.</p> <p>For example, if you’re hosting an event at home, try to get your friend or relative with dementia involved in the kitchen by tossing the salad or helping to set the table.</p> <p>People with dementia are still the same person, even if their abilities have changed or they can no longer communicate their needs and feelings like they used to. It’s important to treat everyone with dignity and try to include your friends and loved ones with dementia in celebrations whenever possible.</p> <h2>Sometimes, you can’t be together</h2> <p>Despite the best laid plans, sometimes it won’t be possible to share in festive celebrations with your loved one living with dementia. More advanced dementia, <a href="https://www.health.nsw.gov.au/Infectious/covid-19/Pages/racf-latest-advice.aspx">aged care visitor restrictions</a> or even just distance can keep many of us apart from our loved ones.</p> <p>Be prepared for this separation to bring up your own feelings of <a href="https://www.alz.org/help-support/caregiving/caregiver-health/grief-loss-as-alzheimers-progresses">grief or sadness</a>. Look after your mental health as well as the person with dementia.</p> <p>Caring responsibilities still largely <a href="https://www.pmc.gov.au/sites/default/files/resource/download/national-strategy-gender-equality-discussion-paper_0.pdf">fall to women</a> and it’s important to share the load. Where possible, the holidays can be a good time to think about giving primary carers a break to help them recharge for the year ahead.</p> <p>If you’re caring for someone with dementia and need support, <a href="https://www.dementia.org.au/support">Dementia Australia</a> or <a href="https://www.carergateway.gov.au/about?utm_source=google&amp;utm_medium=paid-search&amp;utm_campaign=10841470526&amp;utm_adgroup=146956908840&amp;utm_term=&amp;gclid=CjwKCAjw9-6oBhBaEiwAHv1QvI1uJVJRppcDJtdgYNTDeObUk1tyrNUtLGBqpp3ytjb_khYkGExICBoC_5EQAvD_BwE">Carer Gateway</a> offer useful resources.<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/214944/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><a href="https://theconversation.com/profiles/nikki-anne-wilson-342631"><em>Nikki-Anne Wilson</em></a><em>, Postdoctoral Research Fellow, Neuroscience Research Australia (NeuRA), <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a></em></p> <p><em>Image </em><em>credits: Getty Images</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/4-tips-to-help-your-loved-one-with-dementia-enjoy-the-festive-season-214944">original article</a>.</em></p>

Caring

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Debate sparked over list of top 100 cities on the planet

<p>The best 100 cities on the planet have been revealed, with one New Zealand city making the final list. </p> <p>The list was compiled by as part of an annual report by <a href="https://www.worldsbestcities.com" target="_blank" rel="noopener">Resonance Consultancy</a>, who rated major capital cities on three main factors: liveability, lovability and prosperity, with dozens of factors taken into account.</p> <p>These include educational attainment, GDP per capita, poverty rate, the number of quality restaurants, shops and nightclubs, walkability, the number of mapped bike routes, quality parks and museums, as well as ratings from TripAdvisor and Google. </p> <p>The top ten chart features four cities on the Asian continent, four in Europe and two in the U.S, while Auckland was also featured in the list, coming in at number 64.</p> <p>Taking out the number one spot this year is London, dubbed the "capital of capitals" that "reigns over all global cities" as the best metropolis in the world. </p> <p>The study proclaims it as the most liveable and the most lovable mecca, solidified by its winning culture and education attainment.</p> <p>The report concludes, "Despite crippling Covid lockdowns and economic devastation. Despite Brexit. Despite a war in Europe. The city is more indomitable and part of the global discourse than ever. From the Queen's death, to last autumn's chaotic drama at 10 Downing Street that finally calmed down with Rishi Sunak becoming prime minister, only to take heavy local election losses this spring, London is rarely quiet these days."</p> <p>Here's the full list of top 100 cities in the world.</p> <p> 1 - London, England </p> <p>2 - Paris, France</p> <p>3 - New York, USA</p> <p>4 - Tokyo, Japan</p> <p>5 - Singapore</p> <p>6 - Dubai, United Arab Emirates</p> <p>7 - San Francisco, USA</p> <p>8 - Barcelona, Spain</p> <p>9 - Amsterdam, Netherlands</p> <p>10 - Seoul, South Korea</p> <p>11 - Rome, Italy </p> <p>12 - Prague, Czechia </p> <p>13 - Madrid, Spain </p> <p>14 - Berlin, Germany</p> <p>15 - Los Angeles, USA</p> <p>16 - Chicago, USA</p> <p>17 - Washington, D.C., USA</p> <p>18 - Beijing, China </p> <p>19 - Istanbul, Turkey </p> <p>20 - Dublin, Ireland</p> <p>21 - Vienna, Austria </p> <p>22 - Milan, Italy </p> <p>23 - Toronto, Canada</p> <p>24 - Boston, USA</p> <p>25 - Abu Dhabi, United Arab Emirates </p> <p>26 - Budapest, Hungary </p> <p>27 - São Paulo, Brazil</p> <p>28 - Riyadh, Saudi Arabia</p> <p>29 - Stockholm, Sweden </p> <p>30 - Munich, Germany</p> <p>31 - Melbourne, Australia </p> <p>32 - Lisbon, Portugal </p> <p>33 - Zürich, Switzerland</p> <p>34 - Seattle, USA</p> <p>35 - Sydney, Australia </p> <p>36 - Doha, Qatar</p> <p>37 - Brussels, Belgium </p> <p>38 - San Jose, USA</p> <p>39 - Bangkok, Thailand</p> <p>40 - Warsaw, Poland </p> <p>41 - Copenhagen, Denmark </p> <p>42 - Taipei, Taiwan </p> <p>43 - Austin, USA</p> <p>44 - Oslo, Norway </p> <p>45 - Osaka, Japan </p> <p>46 - Hong Kong, China </p> <p>47 - Tel Aviv, Israel </p> <p>48 - Athens, Greece</p> <p>49 - Frankfurt, Germany</p> <p>50 - Vancouver, Canada </p> <p>51 - San Diego, USA</p> <p>52 - Orlando, USA</p> <p>53 - Helsinki, Finland </p> <p>54 - Miami, USA</p> <p>55 - Buenos Aires, Argentina </p> <p>56 - Hamburg, Germany </p> <p>57 - Brisbane, Australia </p> <p>58 - Kuwait, Kuwait</p> <p>59 - Las Vegas, USA</p> <p>60 - Montreal, Canada </p> <p>61 - Glasgow, Scotland</p> <p>62 - Shanghai, China </p> <p>63 - Rio de Janeiro, USA</p> <p>64 - Auckland, New Zealand </p> <p>65 - Atlanta, USA</p> <p>66 - Houston, USA</p> <p>67 - Busan, South Korea</p> <p>68 - Philadelphia, USA</p> <p>69 - Naples, Italy </p> <p>70 - Denver, USA</p> <p>71 - Nashville, USA</p> <p>72 - Manchester, England </p> <p>73 - Dallas, USA</p> <p>74 - Liverpool, England</p> <p>75 - Minneapolis, USA</p> <p>76 - Mexico City, Mexico</p> <p>77 - Minsk, Belarus </p> <p>78 - Lyon, France </p> <p>79 - Portland, USA</p> <p>80 - Rotterdam, Netherlands </p> <p>81 - Bogotá, Colombia</p> <p>82 - Kraków, Poland</p> <p>83 - Valencia, Spain</p> <p>84 - Santiago, Chile </p> <p>85 - Birmingham, England</p> <p>86 - New Orleans, USA</p> <p>87 - Bucharest, Romania</p> <p>88 - Leeds, England</p> <p>89 - Muscat, Oman </p> <p>90 - Ottawa, Canada </p> <p>91 - Cologne, Germany </p> <p>92 - Charlotte, USA</p> <p>93 - Calgary, Canada </p> <p>94 - Nagoya, Japan  </p> <p>95 - Düsseldorf, Germany </p> <p>96 - Hanoi, Vietnam</p> <p>97 - Gothenburg, Sweden </p> <p>98 - Sapporo, Japan</p> <p>99 - Bilbao, Spain </p> <p>100 - Baltimore, USA</p> <p><em>Image credits: Getty Images </em></p>

International Travel

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Worried about getting a blood test? 5 tips to make them easier (and still accurate)

<p><em><a href="https://theconversation.com/profiles/sapha-shibeeb-1481231">Sapha Shibeeb</a>, <a href="https://theconversation.com/institutions/rmit-university-1063">RMIT University</a></em></p> <p>Blood tests are a common medical procedure, offering valuable insights into a person’s health. Whether you’re getting a routine check-up, diagnosing a medical condition or monitoring treatment progress, understanding the process can make the experience more comfortable and effective.</p> <p>For the majority of patients, blood collections are a minor inconvenience. Others may feel <a href="https://www.sciencedirect.com/science/article/abs/pii/S0887618506000041">uneasy and anxious</a>.</p> <p>Preparation strategies can help get you through the procedure.</p> <h2>How blood is collected</h2> <p>During venipuncture (blood draw), the phlebotomist (blood collector) inserts a needle through the skin into a vein and a small amount of blood is collected and transferred into a test tube.</p> <p>Tubes are sent to a laboratory, where the blood is analysed. A laboratory technician may count or examine cells and measure the levels of minerals/salts, enzymes, proteins or other substances in the sample. For some tests, blood plasma is separated out by spinning (centrifuging) the sample. Others pass a light beam through the sample to determine the amount of a chemical present.</p> <p>For collection, the phlebotomist usually selects a vein in the crook of your elbow, where veins are readily accessible. Blood can also be drawn from veins in the wrists, fingers or heels. A tourniquet may be applied to restrict blood flow and make the chosen vein puff out.</p> <h2>Different tests require different preparation</h2> <p>Before a blood test, the GP or health-care provider will give you specific instructions.</p> <p>These may include fasting for up to 12 hours or temporarily discontinuing certain medications.</p> <p>It is crucial to follow these guidelines meticulously as they can significantly impact the accuracy of your test results. For example, fasting is required before glucose (blood sugar) and lipids (blood fats) testing because blood sugar and cholesterol levels typically increase after a meal.</p> <p>If the blood test requires fasting, you will be asked not to eat or drink (no tea, coffee, juice or alcohol) for about eight to 12 hours. Water is allowed but smoking should be avoided because it can increase <a href="https://diabetesjournals.org/care/article/19/2/112/19825/Acute-Effect-of-Cigarette-Smoking-on-Glucose">blood sugar, cholesterol and triglyceride levels</a>.</p> <p>Generally, you will be asked to fast overnight and have the blood collection done in the morning. Fasting for longer than 15 hours could impact your results, too, by causing dehydration or the release of certain chemicals in the blood.</p> <p>If you have diabetes, you must consult your doctor prior to fasting because it can increase the risk of hypoglycemia (low blood sugar) in people with type 1 diabetes. Most type 2 diabetics can safely fast before a blood test but there are some exceptions, such as people who are taking certain medications including insulin.</p> <h2>5 tips for a better blood test</h2> <p>To improve your blood collection experience, consider these tips:</p> <p><strong>1. Hydrate</strong></p> <p>Drink plenty of water right up to 30 minutes before your appointment. Adequate hydration improves blood flow, making your veins more accessible. Avoid <a href="https://academic.oup.com/labmed/article/34/10/736/2657269">strenuous exercise</a> before your blood test, which can increase some blood parameters (such as liver function) while decreasing others (such as sodium).</p> <p><strong>2. Loose clothing</strong></p> <p>Wear clothing that allows easy access to your arms to ensure a less stressful procedure.</p> <p><strong>3. Manage anxiety</strong></p> <p>If the sight of blood or the procedure makes you anxious, look away while the needle is inserted and try to keep breathing normally. Distraction can help – virtual reality has been <a href="https://pubmed.ncbi.nlm.nih.gov/31889358/">trialled</a> to reduce needle anxiety in children. You could try bringing something to read or music to listen to.</p> <p><strong>4. Know your risk of fainting</strong></p> <p>If you’re prone to fainting, make sure to inform the phlebotomist when you arrive. You can have your blood drawn while lying down to minimise the risk of passing out and injury. Hydration helps maintain blood pressure and can also <a href="https://www.ahajournals.org/doi/10.1161/01.CIR.0000101966.24899.CB">reduce the risk</a> of fainting.</p> <p><strong>5. Discuss difficult veins</strong></p> <p>Some people have smaller or scarred veins, often due to repeated punctures, <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC4989034/">chemotherapy</a> or blood thinner use. In such cases, venipuncture may require multiple attempts. It is important to talk to the phlebotomist if you feel discomfort or significant pain. A finger prick can be performed as an alternative for some tests, such as blood glucose levels. But other comprehensive tests require larger blood volume.</p> <h2>Blood draws after lymph node removal</h2> <p>Historically, there were concerns about drawing blood from an arm that had undergone lymph node removal. This was due to the risk of <a href="https://www.cancer.gov/about-cancer/treatment/side-effects/lymphedema/lymphedema-pdq#:%7E:text=Lymphedema%20is%20the%20build%2Dup,the%20way%20that%20it%20should.">lymphedema</a>, a condition marked by fluid build-up in the affected arm. Lymph nodes may have been removed (<a href="https://www.ncbi.nlm.nih.gov/books/NBK564397/#:%7E:text=Lymph%20node%20dissection%2C%20also%20known,surgical%20management%20of%20malignant%20tumors.">lymphadenectomy</a>) for cancer diagnosis or treatment.</p> <p>However, a <a href="https://ascopubs.org/doi/10.1200/JCO.2015.61.5948">2016 study</a> showed people who’ve had lymph nodes removed are not at a higher risk of developing lymphedema following blood draws, even when drawing blood from the affected arm.</p> <h2>After your blood test</h2> <p>The whole blood test procedure usually lasts no more than a few minutes. Afterwards, you may be asked to apply gentle pressure over a clean dressing to aid clotting and reduce swelling.</p> <p>If you do experience swelling, bruising or pain after a test, follow general first aid procedures to alleviate discomfort. These include applying ice to the site, resting the affected arm and, if needed, taking a pain killer.</p> <p>It is usually recommended you do not do heavy lifting for a few hours after a blood draw. This is to prevent surges in blood flow that could prevent clotting where the blood was taken.<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/216073/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em><a href="https://theconversation.com/profiles/sapha-shibeeb-1481231">Sapha Shibeeb</a>, Senior lecturer in Laboratory Medicine , <a href="https://theconversation.com/institutions/rmit-university-1063">RMIT University</a></em></p> <p><em>Image credits: Shutterstock</em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/worried-about-getting-a-blood-test-5-tips-to-make-them-easier-and-still-accurate-216073">original article</a>.</em></p>

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Unlocking Japan: Insider tips and mistakes to avoid for first-time travellers

<p>Traveling to a new country for the first time can be both exciting and a little overwhelming. With so much information online, it can be tough to keep track of what to do and what to avoid.</p> <p>While it is important to consider the rules of <a href="https://www.klook.com/en-AU/blog/do-and-donts-japan-guide/" target="_blank" rel="noopener">etiquette</a> in Japan, there are a few uncommon things that you might miss if you're a first-time traveller. </p> <p>Here are a few of our do's and don'ts: </p> <h5>DO use a luggage transfer service to travel "hands-free"</h5> <p>Japan is all about efficiency, and one of the things you can do to make sure you can travel more freely is to use a luggage transfer service.</p> <p>We recommend <a href="https://www.kuronekoyamato.co.jp/en/" target="_blank" rel="noopener">Yamato Transport </a> a luggage transfer service that delivers all of your bags from the airport to your hotel and from hotel to hotel. </p> <p>Prices depend on the weight and size of your bags, but for same-day delivery, it was around $40-50 AUD for two 30kg bags. </p> <p>Depending on where you are staying, your hotel may or may not provide the Yamato services directly, but if they don't, you can always check with the nearest Family Mart as some convenience stores will do it for you.</p> <p>Alternatively, you can search for the nearest Yamato on Google maps. </p> <p>It is important to note that there may be delivery delays depending on road and traffic conditions, and in some cases they don't do same-day delivery to the airport, so it's good to double check. </p> <h5>DON'T listen to the influencers </h5> <p>With the rise of influencer culture, a lot more restaurants and tourists spots have become even more popular. </p> <p>Avoid queuing in line for over an hour for the hottest restaurant that's always "so good" and pull out Google or Apple maps, as you can find more hidden gems that the locals visit and are actually worth your time.</p> <h5>DO bring cash </h5> <p>Although most places accept card, places like Kyoto - the ancient capital - still mostly take cash. </p> <p>A lot of tourist spots like Kiyomizudera, some markets, and buses in Kyoto only take cash.</p> <p>On another note, if you have an <a href="https://www.japan-guide.com/e/e2359_003.html" target="_blank" rel="noopener">IC card</a> like the Suica or Icoca, you can also use these as a form of payment at certain vending machines, shops and restaurants. (It's kind of like using your Opal card to pay for things).</p> <h5>DON'T lose or damage your JR Pass </h5> <p>Most travel blogs recommend that you get the <a href="https://www.japan-guide.com/e/e2361.html" target="_blank" rel="noopener">JR pass</a> ,which is a rail pass that offers unlimited rides on the JR trains for one, two or three weeks, and allow you to travel nation-wide. </p> <p>What they don't tell you is that they only hand out physical passes that you cannot lose or damage, as they will not re-issue another card until your current one expires.</p> <p>With the cost of the JR passes increasing in October, it might also be worth booking one-way travel tickets instead, as they might be cheaper depending on which region you're travelling to. </p> <h5><span style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;">DO bring good socks and wear your comfiest shoes</span></h5> <p>There is a lot of walking involved, and sometimes lifts can be hard to find – especially at certain stations – so make sure you wear shoes with a lot of padding (or whatever's best for you).</p> <p>You will have to take off your shoes more often than you think, especially in changing rooms and certain traditional accommodation. So leave your hole-y socks at home or wear slippers wherever you go! </p> <h5><span style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;">DON'T book that morning flight </span></h5> <p><span style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;">Check-in for a lot of places is usually at 3pm and you want to avoid the morning rush, especially if you're catching public transportation.</span></p> <p>These are a few of our tips, are there any we've missed? </p> <p><em>Images: Getty/ Supplied</em></p>

International Travel

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These are the top mistakes first-time cruise travellers should avoid, according to a cruise ship veteran

<p><strong>Cruise tips for the perfect trip</strong></p> <p>For more than a decade, I have worked on some of the best cruise lines, and for the last six years, I’ve been a cruise director. It’s a dream job: I am the face and voice of a 3,600-person-capacity ship, organising entertainment around the clock for guests, creating the master schedules, coordinating excursions, hosting special events and so much more. I’ve been on hundreds of cruises and live on a ship for most of the year, so it’s safe to say that I know a few cruise tips you’ll find useful.</p> <p>I also know a thing or two about the mistakes people make when it comes to cruises, whether they’re first-time cruisers or regulars. From creating a smart cruise packing list to finding the best deals at sea, these insider cruise tips will ensure that you have the best trip possible.</p> <p><strong>Booking too late </strong></p> <p>It is true that if you’re very flexible with your travel plans and/or you live near a popular port-of-call, you can get some great bargains on cruises by booking at the last minute. But those opportunities are harder to come by these days, thanks to sophisticated computer algorithms that do a great job of adjusting prices to fill bookings earlier.</p> <p><span style="text-decoration: underline;"><em>What to do instead:</em></span> If you’re sure you want to book a particular cruise or your travel plans aren’t flexible, book as early as possible – as in, the date bookings open. Prices will be at their lowest then, but if for some reason they do drop, you can ask customer service to match the new lower price. Just be aware that price adjustments need to be made before the “final booking window,” when all rates are locked in, usually one to three months before departure.</p> <p><strong>Not asking for an upgrade</strong></p> <p>Post-pandemic, a lot of ships are sailing at low capacity, so there are often plenty of open rooms. People are often nervous to ask for an upgrade, but those rooms will just be left empty if they’re not filled by departure time. We love making guests happy, and as long as you’re polite and phrase it as a question, not a demand, we’ll do our best!</p> <p><span style="text-decoration: underline;"><em>What to do instead:</em></span> When you arrive, talk to any of the employees greeting guests about rooms available for upgrades. Different cruise lines have different policies, and the employees will know how to help you. And in case you were wondering, you can ask for an upgrade regardless of how you purchased your tickets. If you’re there for a special event, like a milestone anniversary or a honeymoon, definitely mention it – even if you can’t get an upgrade, they will find other ways to make your cruise special.</p> <p>Some cruises also allow you to “bid” for an upgrade, meaning that you can offer an extra amount of money for that nicer cabin. This is still a good deal, since even with the extra fee, it’s still cheaper than if you had paid the original rate for that room.</p> <p><strong>Not packing a carry-on bag</strong></p> <p>This is one of those cruise tips you’ll really be glad you know before your next trip. Many people overpack their main luggage and don’t give enough thought to what they’re toting in their carry-ons. Remember: It takes several hours minimum to get your luggage to you. Luggage times can range from a couple of hours to half a day, depending on staffing levels and your cabin location. This is why it’s essential to have a day pack with anything you’ll need right away – and don’t forget the fun stuff!</p> <p><span style="text-decoration: underline;"><em>What to do instead:</em></span> Pack a roomy carry-on with medication, contact solution, a change of clothing, a swimsuit, sunscreen, sunglasses, sandals or other items you’ll want to have immediate access to.</p> <p><strong>Being rude or cold to the crew</strong></p> <p>We’re here to help you, but we’re not slaves. I’ve seen passengers have full meltdowns over everything from not being able to get prescription medication from the first-aid station, to the buffet not having a dish they ate on a different cruise line, to their towels being folded instead of shaped, like they saw on Instagram. Regardless of your demeanour with us, we’ll always do our best to help you, but we won’t be motivated to go above and beyond for you. Keep in mind that some events, such as dinner with the captain, are by invitation only or are not advertised, and having a crew member to help you get your name on the golden ticket could make your cruise experience something out of this world.</p> <p><span style="text-decoration: underline;"><em>What to do instead:</em></span> Be polite and kind to the crew. To be clear: You’re allowed to complain, and we definitely want to know if something isn’t right or if it could be better, but just remember that we’re people too – often operating on very little sleep.</p> <p><strong>Not taking advantage of flash deals </strong></p> <p>During booking or before boarding, many cruises offer limited amounts of “flash deals” for things like entertainment shows or drink packages. Many people wait, thinking they can just decide once they’re on board, but you won’t find those same deals on the ship. And these deals are worth it: Purchasing a flash deal ahead of time could get you half-off discounts for food and alcoholic beverages, a VIP excursion or priority seating at shows. Talk about an easy way to get perks and save some serious money!</p> <p><span style="text-decoration: underline;"><em>What to do instead:</em></span> If they’re offering something you know you’ll use, it’s almost always cheaper to purchase it through a flash deal. Flash deals are publicised through a cruise’s site and via email, but the fastest way to be alerted is by installing the app for your cruise line and registering your trip. And be sure to purchase quickly, since many deals are available only for a short time and/or in limited quantities.</p> <p><strong>Using the internet a lot</strong></p> <p>Internet on cruise ships can be overpriced and unreliable. This is because ocean-going ships have to use satellite systems for internet, and they are slower and tend to lose service more easily. And expect to pay for the privilege of slower service – older ships still sell internet by the minute (50 to 75 cents), while state-of-the-art ships offer day passes. Day passes average about $US25 per device, per day. This can add up faster than you realise. So while it’s technologically possible to stream a Netflix movie to your cabin, it may not be the best use of your time or money.</p> <p><span style="text-decoration: underline;"><em>What to do instead:</em></span> See it as a gift! My advice would be to switch off completely while at sea and save your money. Cruise ships are equipped for maximum entertainment, and you should take advantage of all the fun we have on board. (Plus, in a cruise tip that doubles as a life tip, it’s good for you to do a mini digital detox and take a break from social media every once in a while.) If you do need to use the internet – say, to check your work emails or contact family – it will be cheapest and fastest to wait until you’re at port and find a Wi-Fi hot spot. Otherwise, just plan to use the ship’s internet strategically; have a plan before logging on rather than just surfing.</p> <p><strong>Not signing up for the free loyalty program </strong></p> <p>All major cruise lines have loyalty programs that offer real perks, including discounts on tickets, free meals, free internet, priority embarkation and disembarkation, and even free cruises. If you don’t sign up, you’re missing out. While the perks will depend on what “tier” of the loyalty program you sign up for, top-tier loyalty programs are the best deal for serious cruisers. That’s where you’ll be treated like royalty, with upgrades, special events, free or heavily discounted tickets, priority booking and lots of other extras.</p> <p><span style="text-decoration: underline;"><em>What to do instead:</em></span> The base programs are free to sign up, and you’ll want to register for them as soon as possible because you can start earning points immediately. Higher-tier programs are fee-based, but they can be a great deal depending on what amenities you want and how often you plan to cruise. You will be offered the chance to sign up or upgrade during the booking process, but if you miss it, you can sign up at check-in or at any point during the cruise – even when disembarking.</p> <p>Depending on the package and loyalty tier, some of your points will be available immediately for use on your current cruise. Some major cruise lines, like Royal Caribbean, have partnerships with major credit cards that allow you to use your card to rack up loyalty points throughout the year.</p> <p><strong>Sticking to the buffets </strong></p> <p>Yes, buffets are fantastic because they offer a wide variety of popular foods, and it’s all-you-can-eat around the clock. But if you’re only eating at the buffets, you’re missing some of the best food on the cruise! The restaurants are designed to give you a full dining experience and offer regional or specialty cuisines that can’t be found on the buffet. Plus, you can order according to your taste and special-order dishes if you have particular dietary concerns. Many restaurants offer extras like dining with the chef, watching the food be prepared or special entertainment events.</p> <p><span style="text-decoration: underline;"><em>What to do instead:</em></span> Ask your host about special dining events, like the chef’s table, or to help you get reservations for a specialty meal – for instance, a Brazilian steakhouse meal or a five-course tasting with wine pairings. These dining experiences usually cost extra, but they’re totally worth it. Try to book two or three if you can.</p> <p><strong>Not using room service enough </strong></p> <p>When you’re staying at a hotel, you might forgo room service because it can get pricey – or because you can’t order whatever you want, whenever you want it. That’s not necessarily the case on a cruise. Post-pandemic, you can order anything off the menu through room service, 24/7… But not all the food is free. You may have to pay extra for that cheeseburger at 3am.</p> <p><span style="text-decoration: underline;"><em>What to do instead:</em></span> While what’s included in room service varies from cruise line to cruise line, as well as what package you’ve booked, breakfast will likely be free – no matter what. Make the most of this cruise ship secret, and you never have to leave your room for breakfast again if you don’t want to! One etiquette-based cruise tip, though: While tipping isn’t necessary, if you do order room service in the middle of the night, consider tipping the staff a few dollars when they bring it.</p> <p><strong>Not reading the ship's insurance policy </strong></p> <p>If you enjoy doing adventurous activities like ziplining and surfing, make sure you know the risks and what you are covered for in case of an emergency. The ship’s insurance policy covers only the very basic things – those that are directly the cruise line’s responsibility, like cancelled cruises or lost luggage. But anything related to your health or other travel issues won’t be covered, so you’ll need to rely on personal policies.</p> <p><span style="text-decoration: underline;"><em>What to do instead:</em></span> Make sure to read through the insurance policy and ask your cruise host or travel agent if you have questions. Check with your personal insurance provider to see exactly what they cover for cruises and/or out-of-country trips. And it’s never a bad idea to purchase separate travel insurance.</p> <p><strong>Going to Medical for seasickness</strong></p> <p>Cruises are required to have a certified doctor on the ship, but it costs money to get medical care onboard. Doctors bill an hourly rate – often around $US100 per hour – plus fees for any services or extra supplies. Cruise-ship medical bills can range from $US50 to thousands of dollars if you end up needing to be helicoptered out. However, many medical items are available for free through the customer concierge, so save those medical trips for illnesses or injuries that really require a doctor’s attention.</p> <p><span style="text-decoration: underline;"><em>What to do instead:</em></span> Seasickness pills and other over-the-counter meds, such as ibuprofen and Tylenol, are free through guest services, as well as things like adhesive bandages, heating pads and wraps. Stop by the host station, ask any staff member or call directly from your cabin. Pro tip: If you’re prone to seasickness, ask for a cabin on a low deck and mid-ship, since they pitch the least in relation to the rest of the ship.</p> <p><strong>Taking sketchy DIY excursions </strong></p> <p>This really depends on the location, but in lesser-known areas, it is generally wise to stick to the ship-sponsored excursions as opposed to relying on sales pitches from locals, taking internet advice or just winging it. After all, you want to make sure you don’t get taken advantage of, you’re safe and the ship doesn’t leave without you if the excursion runs late!</p> <p><span style="text-decoration: underline;"><em>What to do instead:</em></span> Stick to reputable excursions. Your cruise director will have a list of ship-sponsored excursions and will also be able to advise you on local companies that the cruise line has worked with. It also never hurts to do research before setting sail, looking up your particular ports-of-call and seeing what excursions you might want to ask about.</p> <p><strong>Going too far from the ship</strong></p> <p>It’s fine to go ashore independently and find your own adventures, but I’ve seen too many guests end up losing track of time or distance, and then end up waving the ship goodbye from shore. If this happens, you’ll have to find your own travel to the cruise ship’s next port of call.</p> <p><span style="text-decoration: underline;"><em>What to do instead:</em></span> Instead of driving yourself, find a local taxi driver who knows the area well. Just be sure to negotiate the price and time before hopping in. If you do decide to go it alone, stay fairly close to port, watch the clock and build in extra time for things like traffic jams. Make sure to get back to the boat at least 30 minutes before boarding time.</p> <p><strong>Underestimating how windy it gets at sea</strong></p> <p>Anytime you’re outside on the ship, make sure to secure all your belongings. Hold on tightly if you’re walking around, and if you’re putting your items down, place them in a zippered bag attached to a chair or table, or tether larger items (like blankets) to furniture. It doesn’t take much wind to launch your mobile phone, hat or glasses into the ocean. This happens far more often than you might think!</p> <p><span style="text-decoration: underline;"><em>What to do instead:</em></span> I recommend that guests always bring towel clips for securing towels, clothing, thongs and other flighty items. Your ship may come equipped with some anti-wind protections like special shelters by the pool, lockers or wind breaks.</p> <p><strong>Not honouring cruise traditions </strong></p> <p>Ships, cruise lines and even cruising culture in general have their own traditions. The most popular one on all cruise lines is the “Cruising Duck.” Never heard of it? Guests bring a rubber duck and hide it around the ship to be discovered by others. But there are many more traditions based on individual cruise lines, travel routes or themes (say, a Disney cruise), and part of the fun is getting to discover them. You can read up about them on online forums or just wait to be surprised.</p> <p><span style="text-decoration: underline;"><em>What to do instead:</em></span> Participating in these little traditions will make it more fun for you on your trip, and it’s a great way to integrate yourself into the cruising community. It’s especially fun if you’re doing a themed cruise.</p> <p><strong>Not following current health protocols</strong></p> <p>Health protocols change often, especially post-pandemic. For instance, most cruise ships now require proof of COVID-19 vaccination. Some are still doing rapid tests before boarding. Most prefer (but don’t require) you to wear a mask if you develop any symptoms of illness while aboard. If you test positive for an infectious illness, you’ll be quarantined. And remember, it’s not just COVID they’re concerned about: Outbreaks of norovirus and influenza are common in the close quarters of cruise ships.</p> <p><span style="text-decoration: underline;"><em>What to do instead:</em></span> Stay up to date on the current rules, and do your best to follow them. This information should be given to you the week before your cruise, via email or your online portal. You can also check the website, call customer service or talk to a host during the boarding process. But please don’t argue with us – we don’t make the rules. If you need clarification or an exception, speak to the ship’s doctor.</p> <p><strong>Not booking your next cruise while you're still on the ship</strong></p> <p>This may sound crazy, but it’s one of the smartest cruise tips. Booking your next cruise while on your current cruise is a terrific way to make the most of free onboard credit and loyalty points. Once you leave the ship, the deals they’re offering will be gone.</p> <p><span style="text-decoration: underline;"><em>What to do instead:</em></span> Ask your host about what deals they are offering before you disembark. This is the best time to get a great deal on your favourite cruises – and ones that won’t be available at a later date. Cruise lines really want you to book your next cruise while you’re still there and excited, so they may offer you a cheaper upgrade to a higher tier of the loyalty program and/or nicer perks on your next cruise. If you can book at this time, you definitely should.</p> <p><em>Image credits: Getty Images</em></p> <p><em>This article originally appeared on <a href="https://www.readersdigest.co.nz/travel/cruising/ive-worked-on-cruise-ships-for-10-years-these-are-the-mistakes-every-traveller-should-avoid?pages=1" target="_blank" rel="noopener">Reader's Digest</a>.</em></p>

Cruising

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7 tips for matching wine with food

<p>Food and wine matching is the perfect way to enhance the flavours of your meal, and while the people who get paid to do if for a living would have you think it’s a complex science, it’s actually not too hard to do. Here’s a simple seven-step guide to get you started as a food/wine-matching expert!</p> <p><strong>1. Sweet with heat</strong> – Wines that have a little bit of residual sugar (like a German Riesling) combine really well with spicy foods. This is because as the residual sugar enters your mouth it actually cools down spice in your food and creates a balance that allows you to savour the flavour.  </p> <p><strong>2. Smoke with oak</strong> – When cooking foods that have been grilled or charred, you really want to be looking for a wine that has been aged in oak barrels. Oaked wines tend to be a little more intense, so they need to be matched with grilled/charred foods that can match and bring out the fruit flavours.</p> <p><strong>3. Match flavours and textures</strong> – Similar flavours and textures go well together, as you’d imagine. Just as rich foods suit rich wines, mild foods go well with mild wines and as a general rule when food and wine possess similar qualities they can complement each other and enhance common flavours.</p> <p><strong>4. Fats with acid and tannins</strong> – Wines that are high in acid (Sauvignon Blanc) or tannin (Cabernet Sauvignon) go well with fried or fatty foods and help round out the flavours in your mouth. It also acts as a palate cleanser and creates balance between the rich/oily foods and the wine.</p> <p><strong>5. Sweet with salt</strong> – As anyone who’s ever combined blue cheese with port would agree. The combination will bring out the fruity taste in sweet wine and the savoury taste in salty foods. So yeah, you’re completely justified with your pairing of a bottle of Moscato with a packet of Cheezels.</p> <p><strong>6. Sweet with sweet</strong> – But as anyone who’s had ice cream served with another variety of ice cream would agree two sweet things can make a very sweet thing. Sweet wines can help bring out the flavours in the food. Just take care to make sure the wine is sweeter than the food is.</p> <p><strong>7. If it grows together, it goes together</strong> – Hey, there’s a reason why you generally don’t have stein of lager with a bowl of risotto. Foods and wines of a particular ethnicity or region usually work together like clockwork and naturally have flavours and textures that work well in combination. </p> <p><em>Image credits: Getty Images</em></p>

Food & Wine

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Top tips to protect your outdoor furniture

<p>If you have outdoor furniture, it’s important to look after it properly so it will stay in good condition over the years. Remember to invest in UV and water-resistant<strong> </strong>chair covers<span style="text-decoration: underline;"><strong> </strong></span>and pillows in order to ensure you can enjoy your outdoor furniture without the hassle of replacing all your items. Here’s how to care for your furniture.</p> <p><strong>1. Wooden</strong></p> <p>To get your wooden outdoor furniture ready for use, clean with hot soapy water or a hardwood cleaning fluid at the beginning of the season. If the furniture is very dirty then you can lightly sand the furniture after cleaning. It is a good idea to oil or paint your outdoor furniture after cleaning. </p> <p>If you want your furniture to age naturally, then oil the furniture with two coats and leave to dry for 48 hours. Use hardwood oil for eucalyptus and teak oil for teak furniture. If you want your outdoor furniture to look new, then use a stained oil. If you want to completely transform your furniture then paint with 2-3 coats and it should last for roughly three years.</p> <p><strong>2. Metal</strong></p> <p>When you wash your metal outdoor furniture be sure to clean it with a non-abrasive cloth. If the furniture is made from steel, you need to treat any scratches that expose the bare metal underneath to prevent rust. If rust has already set it on your furniture, remove it using steel wool and then touch it up using an exterior metal paint of the same colour. </p> <p>If your furniture is made from aluminium, it won’t rust but it may suffer from aluminium oxidation. This won’t decrease the strength of the furniture but it will change the colour of the metal over time. To prevent this from happening, make sure you clean it regularly and store it away or keep it covered during the winter months.</p> <p>One tip to keep your metal furniture in pristine condition is to polish it with car wax after you have finished cleaning it. The wax will help the furniture be more water resistant.</p> <p><strong>3. Rattan</strong></p> <p>Synthetic rattan is UV and weather-resistant so it won’t be as worn out by the weather conditions. Whenever it needs a refresh, wash with soapy water. It is important to keep an eye on the frame underneath as if that is made from steel rather than aluminium, you will need to abide by the metal care rules.</p> <p><strong>4. Resin</strong></p> <p>Resin outdoor furniture is fairly easy to look after. Wash it regularly with soap to keep it in great condition. If there is dirt or stains that are particularly hard to get out, then wash your furniture with a pressure washer.</p> <p><em>Image credits: Getty Images</em></p>

Home & Garden

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These top 10 tourist attractions could disappear in your lifetime

<p><strong>Places to visit - and protect </strong></p> <p>When places are well-known and popular – historical and modern alike – we might take it for granted that they’ll be around forever. But sadly, many of the world’s best known and culturally significant landmarks are in jeopardy. </p> <p>Human activity has had a devastating effect on many valued places, including massive milestones of human achievement. And many of these are so much more than just tourist attractions – they’re unique, valuable remnants of ancient times and civilisations.</p> <p><strong>The Great Barrier Reef</strong></p> <p>This massive, once-thriving coral reef has suffered enormously over recent years, with coral bleaching – caused by climate change – stripping the coral of its nutrients. This, in turn, harms the rich marine life that calls the reef home. </p> <p>And, of course, this also depletes it of the dazzling colours that once were a hallmark of the Great Barrier Reef’s underwater wonder. The reef remains the largest coral reef ecosystem in the world, but projections have warned that the damage to it could become irreversible in the next 10 years.</p> <p><strong>Old City of Jerusalem</strong></p> <p>One of the world’s most spiritually significant places, the Old City of Jerusalem, is in danger of disappearing, UNESCO has found. The walls of the Old City are one of its trademark features. Most famously, the Western Wall, also known as the Wailing Wall, is a valuable pilgrimage site for people of the Jewish faith, one that dates back to around 20 BCE. </p> <p>The Wall is the only remnant of the city’s Second Temple. The city was actually listed on UNESCO’s list of endangered cultural sites in the 1980s. Widespread urbanisation has been found to pose a significant threat to the city.</p> <p><strong>Everglades National Park </strong></p> <p>This stunning Floridian wildlife sanctuary has sadly found itself fighting for its life in recent years. As ‘the largest designated subtropical wilderness reserve’ in North America, according to UNESCO, it’s been a beloved travel destination for American citizens for decades, but the ravages of time and human activity have not been kind to it. </p> <p>Its survival first came into question after it was battered by Hurricane Andrew in 1993. But it’s human influence that has posed the primary threat, as water flow to the site has decreased and the impacts of pollution have increased, resulting in harmful algal blooms. Its vast, diverse wildlife is more threatened than ever before.</p> <p><strong>The Taj Mahal </strong></p> <p>It’s hard to imagine this monolithic structure, located in Agra, India, being in danger. The structure itself is in some jeopardy from the elements, but the primary reason for concern is that the Indian Supreme Court could potentially close the attraction. The court has butted heads with the government, claiming that unless the government does a better job of preserving it, they’ll have to shut it down. </p> <p>Pollution is visibly altering the Taj’s pristine surface. It’s also experienced insect infestations. Flies of the genus Geoldichironomus, which breed in the heavily polluted Yamuna River, neighbouring the Taj, have encroached upon the structure in recent years.</p> <p><strong>Mount Kilimanjaro's peak </strong></p> <p>This revered mountain, one of the Seven Summits, proves that even giants can fall to climate change. While the mountain itself, located in Tanzania, isn’t in imminent danger, its iconic snow cap might vanish – and shockingly soon. </p> <p>Research found that the snow cap had lost 85 per cent of the total area of its ice fields between 1912 and 2007, and the remaining ice could be history as early as 2030.</p> <p><strong>Machu Picchu</strong></p> <p>Located in southern Peru, Machu Picchu is the remains of a huge stone citadel that was built during the 15th century. These incredible Incan ruins are widely considered one of the must-see spots in South America. Unfortunately, this has backfired in a way. </p> <p>The site has been a victim of over-tourism, seeing the detrimental effects of the surge of tourists it gets as they wear down the structures. In addition, the area surrounding Machu Picchu has seen rampant urbanisation, as well as mudslides and fires, in recent years, leading UNESCO to work for its preservation.</p> <p><strong>Portobelo-San Lorenzo forts</strong></p> <p>While not as ancient as some of the other sites mentioned here, these fortifications on the Panama coast are considered historically significant. The Portobelo-San Lorenzo forts were constructed by the Spanish in Panama in efforts to protect trade routes; they were built over two centuries, starting in the 1590s. They demonstrate a wide range of architectural styles, featuring everything from medieval-style castles to neo-classical 18th-century redresses. </p> <p>The forts face a couple of challenges, urbanisation has encroached upon them on land, and a shrinking coastline and erosion present natural threats on the coastal side. Maintenance has also fallen by the wayside. They were listed as endangered in 2012.</p> <p><strong>Hatra</strong></p> <p>These grand ruins stand in the Al-Jazīrah region of Baghdad, Iraq. As the capital of the first Arab Kingdom, Araba, Hatra is a site of massive historical significance. It withstood Roman military force in the second century CE. It was the king of the Sāsānian Empire, an early Iranian regime, who eventually destroyed it in the third century. The ruins went undiscovered until the 1830s; German archaeologists only began excavating it in the early 1900s. </p> <p>In addition to becoming a UNESCO world heritage site, Hatra was also immortalised as the temple featured in The Exorcist. Sadly, it became a target of ISIS in 2015. Militants assailed the structures with bullets and destroyed statues, seeking to dismantle remnants of polytheism. It was after this that UNESCO gave it an endangered status.</p> <p><strong>Nan Madol</strong></p> <p>This remarkable architectural jewel of the ancient world dates back to the 1200s. It spans more than 100 islands and islets surrounding the Federated States of Micronesia, to the northeast of Papua New Guinea. Throughout the 1200s to the 1500s, indigenous people from the island of Pohnpei built an expansive ‘city on water’, constructing more than 100 man-made islets out of coral boulders and basalt. </p> <p>The stunning expanse, untouched for hundreds of years, is a testament to the ingenuity and skill of ancient Pacific Islander peoples. However, it’s the forces of nature this time that pose a danger to it as plants, storms and water damage encroach upon the impressive structures. It has been on UNESCO’s endangered sites list since 2016.</p> <p><strong>How to help</strong></p> <p>There are plenty of resources you can use to help preserve endangered spots like these. For starters, you could donate to <a href="https://whc.unesco.org/en/donation" target="_blank" rel="noopener">UNESCO’s World Heritage Centre</a>. UNESCO also gives citizens an option to report threats to protected sites (<a href="https://whc.unesco.org/en/158/" target="_blank" rel="noopener">scroll to the bottom of this page</a> for contact information. </p> <p>And if you choose to visit these spots, treat them with the utmost care! Be respectful, don’t touch anything you’re not explicitly allowed to touch, and do your part to keep the area clean.</p> <p><em>Image credits: Getty Images</em></p> <p><em>This article originally appeared on <a href="https://www.readersdigest.co.nz/travel/travel-hints-tips/10-top-tourist-attractions-that-could-disappear-in-your-lifetime?pages=1" target="_blank" rel="noopener">Reader's Digest</a>. </em></p>

International Travel

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7 tips to help turn your cat into a friendly member of the family

<p><strong>How to make your cat love you</strong></p> <p>Getting a cat to be more affectionate is the yearning of many a pet owner. Some cats are antisocial when it comes to being picked up, cuddled or petted (much less sitting in a person’s lap). Other kitties are born loving this sort of attention.</p> <p>If you’re not lucky enough to have a cat who automatically seeks out your affection, trying to entice that reclusive furball to become your snuggle buddy may take some motivation and determination on your part. Your pet may never convert to a drooly lap cat, even after weeks of effort on your part, but at the very least you’ll probably strengthen your relationship with your cat.</p> <p><strong>Get the basics down</strong></p> <p>The initial stage of coaxing a cat into being more lovable is to let her recognise your positive intentions by dependably offering her good food, clean water, fun toys to play with and a litterbox that is cleaned regularly. When she’s happier, you’ll be happier, and these mutual good feelings will carry over into your relationship together.</p> <p>Spend extra time with your cat, letting her see you not as her owner but as her friend, meal provider and guardian. If she’s not coming up to you to say hi, be proactive: Walk over to her (as long as she’s not super-shy) and lavish affection on her. Once she gets used to all this attention, she might very well start seeking it out from you.</p> <p><strong>Be affectionate while feeding </strong></p> <p>While preparing her food (or making a production of opening that can of food), talk to your kitty. When she begins eating, gently stroke her a few times. This will help her associate being petted with a positive experience.</p> <p><strong>Be playful </strong></p> <p>Instead of trying to force a hug from your reluctant cat, play with her a little, maybe getting her to paw at a piece of string or chase after a laser pointer.</p> <p><strong>Try a little catnip</strong></p> <p>Bringing out a tin of catnip often brings timid felines out of their shells, and aloof cats sometimes become far friendlier under the influence of catnip.</p> <p><strong>Use the "slow blink"</strong></p> <p>Remember that using the “slow blink” as a non-verbal statement saying “I love you” will go a much longer way with your cat, versus a direct stare, which she may take as a threat.</p> <p><strong>Don't chase</strong></p> <p>Don’t try to push affection on your cat – for example, running after her. This might work with a dog, but chasing usually causes a scaredy cat to jolt off in another direction feeling victimised. And I should hope it goes without saying, but don’t punish or yell at your shy cat.</p> <p><strong>Give them a treat</strong></p> <p>Each time you share a session of tenderness with your cat, give her a treat. Let her see that this affectionate behaviour has its rewards.</p> <p><em>Image credits: Shutterstock</em></p> <p><em>This article originally appeared on <a href="https://www.readersdigest.co.nz/food-home-garden/pets/7-tips-to-make-your-cat-more-friendly" target="_blank" rel="noopener">Reader's Digest</a>. </em></p>

Family & Pets