Search

Do red bags get loaded onto a plane first? Travel hack goes viral

One TikTok user has racked up over 75 million views for their hack which warns travellers against buying red suitcases. The reason behind it? He claims that red suitcases are always loaded onto a plane first - meaning that they will be the last ones to come out at the baggage carousel. The <a href="https://www.tiktok.com/@airportlife_/video/7359248989134327072" target="_blank" rel="noopener">viral video</a> showed a plane's cargo being loaded, with all the red bags being loaded first. Many commenters have shared their theories on why this might be the case. "If the red are at the back then they are less likely to get left behind when unloading," one wrote. "So that it's easier to check if there is any bag left at end corner of loading area and prevent missing out black bags at dark corners, maybe," another added. However, a spokesperson for KLM Royal Dutch Airlines has debunked this theory and claimed that the video is "nonsense" and "was made purposefully to mislead or provide false information". They also said that there was simply not enough time for their baggage handlers to sort suitcases out by colour. The question of "Do red bags get loaded onto a plane first?" also made its way to Reddit, after the video went viral, and one user who claimed to be a ramp worker denied the theory. "If we had taken the time and brain power to load bags based on colour I'd still be loading flights from 2015." Image: TikTok

Travel Tips

Catriona Rowntree shares her Europe travel hacks she picked up from locals

After decades of hosting Getaway, Catriona Rowntree has learned a thing or two about travelling. Along the way, the 52-year-old has picked up some must-know secrets from locals that every traveller should know before heading to Europe. While in Mallorca in Spain, Rowntree quizzed locals on how to make the most out of her experience, and what faux pas to avoid. She was given advice on the best way to start a day at the markets, told why you should never rent an Airbnb or buy seafood on a Monday, why takeaway coffee is a bad idea and the secret to a longer, healthy life. The TV host shared a little known secret when it comes to buying fresh fish, and said travellers should not buy fish on Monday, because fishermen don’t fish on Sundays, meaning fish purchases on Mondays won’t be fresh. “The life expectancy of a Spaniard is 84, they're a healthy lot, loving a Mediterranean diet, a dollop of sun and a good climate,” she added. The presenter also discovered that all the locals she has spoken to don't like Airbnb accommodation and prefer for tourists to stay in hotels. “All the locals I've spoken to say that's what's pushing them out of their apartments as the town centres are slowly gentrified,” she said. “The average wage is low, most locals rent, sadly landlords prefer the higher fee of an Airbnb. Not cool!” Catriona's final tip is not to get your coffee takeaway, but rather sit down in a cafe, enjoy your coffee and take it slow. “People sit down to enjoy their coffee, they don't get a takeaway: 'If you can't sit for five minutes and talk to a person what's wrong with you!',” she said. Catriona said she was told by a local that the best way to start your day is to explore the markets by getting a hot chocolate and some churros. “Not every day as you'll be round, but market day for sure," she said. Image credits: Instagram

Travel Tips

The unique travel hack that is guaranteed to help beat jet lag

Experts have revealed how to beat jet lag on your next overseas holiday, and it all comes down to your modes of transport. Sleep researchers said it's good news for cruise lovers, as exposure to sea air and bright natural light improves sleep to cure the annoying condition quickly. Some experts say to avoid travelling by plane all together, and always opt for cruising holidays instead. However, if you have to travel to your cruise by plane, being on board is a great way to tackle the dreadful feeling, compared with holidaying on land, Panache Cruises said. Dr Lindsay Browning, expert at Trouble Sleeping said exposing yourself to bright lights at the right time after a long-haul flight is one of the most powerful things we can do to boost and help shift circadian rhythm, and being on a ship is the perfect place for that. "As a general rule, you want to get lots of bright light exposure during the daytime and avoid light at night," Browning said. "When travelling on a cruise ship, you will naturally get a lot of bright light exposure during the day, helping your circadian rhythm.” "Further, when travelling by ship you will have a cabin with a proper bed and curtain, enabling you to sleep at night when you want to." The company claimed research showed how prolonged exposure to sea air can improve blood oxygen levels, boost vitamin D, and improve breathing leading to higher-quality sleep, helping to rid travellers of pesky jet lag so they can enjoy their holidays. Image credits: Getty Images

Travel Tips

Vinegar and baking soda: a cleaning hack or just a bunch of fizz?

<a href="https://theconversation.com/profiles/nathan-kilah-599082">Nathan Kilah</a>, <a href="https://theconversation.com/institutions/university-of-tasmania-888">University of Tasmania</a> Vinegar and baking soda are staples in the kitchen. Many of us have combined them in childhood scientific experiments: think fizzy volcanoes and geysers. But people also frequently mix vinegar and baking soda to produce a reportedly effective household cleaner. Unfortunately, the chemistry behind the bubbly reaction doesn’t support the cleaning hype. The fizzy action is essentially <a href="https://theconversation.com/six-surprising-things-about-placebos-everyone-should-know-220829">a visual “placebo</a>”, formed by the combination of an acid and a base. So, how does it work, and is it worth using these chemicals for cleaning? To understand all this, it helps to know a little more about chemistry. <h2>What’s an acid?</h2> Foods with a sour taste typically contain acids. These include citric acid in lemon juice, malic acid in apples, lactic acid in yoghurt and <a href="https://theconversation.com/kitchen-science-everything-you-eat-is-made-of-chemicals-56583">phosphoric acids in soft drinks</a>. Most vinegars contain around 4–10% acetic acid, the rest is water and small amounts of flavour chemicals. There are other naturally occurring acids, such as formic acid in ant bites and hydrochloric acid in our stomachs. Industrially, sulfuric acid is used in mineral processing, nitric acid for <a href="https://theconversation.com/what-is-ammonium-nitrate-the-chemical-that-exploded-in-beirut-143979">fertiliser manufacturing</a> and the highly potent hydrofluoric acid is used to etch glass. All of these acids share similar properties. They can all release hydrogen ions (positively charged atoms) into water. Depending on their potency, acids can also dissolve minerals and metals through various chemical reactions. This is why vinegar is an excellent cleaner for showers or kettles – it can react with and dissolve mineral deposits like limescale. Other common acidic cleaning ingredients are oxalic acid, used for revitalising timber decks, hydrochloric acid in concrete and masonry cleaners, and sulfamic acid in potent toilet cleaners. <h2>What’s a base?</h2> In chemistry, bases – the opposite of acids in many ways – can bind, rather than release hydrogen ions. This can help lift and dissolve insoluble grime into water. Bases can also break apart fat molecules. Baking soda (also known as sodium hydrogen carbonate, sodium bicarbonate, or bicarb) is a relatively weak base. Stronger common bases include sodium carbonate (washing soda), sodium hydroxide (lye) and ammonia. <a href="https://theconversation.com/spill-at-a-nuclear-facility-shows-potential-burn-risks-from-a-household-chemical-112763">Sodium hydroxide</a> is a potent drain cleaner – its strong base properties can dissolve fats and hair. This allows blockages to be broken down and easily flushed away. <h2>Mixing a base and an acid</h2> Mixing vinegar and baking soda causes an immediate chemical reaction. This reaction forms water, sodium acetate (a salt) and carbon dioxide – the fizzy part. The amount of carbon dioxide gas that is produced from baking soda is remarkable – one tablespoon (around 18 grams) can release over <a href="https://www.chemedx.org/JCESoft/jcesoftSubscriber/CCA/CCA8/MAIN/8/06/2/4/movie.html">five litres of gas</a>! But only if you add enough acid. Reactions in chemistry often use equal quantities of chemical reagents. A perfect balance of acetic acid and baking soda would give you just water, carbon dioxide and sodium acetate. But the majority of vinegar and bicarb cleaner recipes use a large excess of one or the other components. An example from TikTok for a DIY oven cleaner calls for one and a half cups of baking soda and one quarter cup of vinegar. Crunching the numbers behind the chemical reaction shows that after the fizz subsides, over 99% of the added baking soda remains. So the active cleaning agent here is actually the baking soda (and the “elbow grease” of scrubbing). Ovens can be cleaned much more rigorously with stronger, sodium hydroxide based cleaners (although these are also more caustic). Many modern ovens also have a self-cleaning feature, so read your product manual before reaching for a chemical cleaner of any sort. <h2>What about the sodium acetate?</h2> Devotees of vinegar and baking soda mixtures might be wondering if the product of the fizzy reaction, sodium acetate, is the undercover cleaning agent. Unfortunately, sodium acetate is an even weaker base than baking soda, so it doesn’t do much to clean the surface you’re trying to scrub. Sodium acetate is used in <a href="https://www.youtube.com/watch?v=vABpel-11Nc">crystallisation-based heating packs</a> and as a concrete sealant, but not typically as a cleaner. Fun fact: sodium acetate can be combined with acetic acid to make a crystalline <a href="https://theconversation.com/busting-the-myth-that-all-food-additives-are-bad-a-quick-guide-for-label-readers-82883">food additive</a> called sodium diacetate. These crystals give the vinegar flavour to <a href="https://www.youtube.com/watch?v=N0hEutu_goY">salt and vinegar chips</a> without making them soggy. <h2>Sorry to burst your bubbles</h2> There are a few rare cases where mixing vinegar and baking soda may be useful for cleaning. This is where the bubbling has a mechanical effect, such as in a blocked drain. But in most cases you’ll want to use either vinegar or baking soda by itself, depending on what you’re trying to clean. It will be less <a href="https://theconversation.com/visually-striking-science-experiments-at-school-can-be-fun-inspiring-and-safe-banning-is-not-the-answer-195362">visually exciting</a>, but it should get the job done. Lastly, remember that mixing cleaning chemicals at home can be risky. Always carefully read the product label and directions before engaging in DIY concoctions. And, to be extra sure, you can find out more safety information by reading the product’s <a href="https://theconversation.com/a-new-tiktok-trend-has-people-drinking-toxic-borax-an-expert-explains-the-risks-and-how-to-read-product-labels-210278">safety data sheet</a>.<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/225177/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/nathan-kilah-599082">Nathan Kilah</a>, Senior Lecturer in Chemistry, <a href="https://theconversation.com/institutions/university-of-tasmania-888">University of Tasmania</a> Image credits: Shutterstock 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/vinegar-and-baking-soda-a-cleaning-hack-or-just-a-bunch-of-fizz-225177">original article</a>.

Home & Garden

15 hacks that make running errands so much better

Run errands during the week More than 90 per cent of people do errands on the weekends, meaning shops will be packed and traffic will be a nightmare. Running errands on a weeknight will get you in and out in half the time. Once the kids are in bed, have one parent stay home while the other drives to the shops. You’ll miss the crowds and keep your weekend free for fun and family. Turn on a podcast Radio music – and its deejays and commercials – can get intense. Switch off the FM and plug in your phone so you can listen to a podcast or audiobook. You’ll be more relaxed, and the time will fly as you get engrossed in the story. Make the most of your time Never run out for just one task. Save time, petrol, and stress by getting more than one thing done when you’re out of the house. After dropping your child off at soccer practice, drop off your dry cleaning or pick up the milk from the supermarket. Set up an errand centre in your home Keeping all the objects you’ll need to complete your errands – packages to be mailed, dry cleaning to be delivered, library books to be returned – in one place will make it easy to get out the door when you get the chance. Designate a space by the door or in your car as a visual reminder of what needs to get done. Buy in bulk Picking up big batches of items like toilet paper, dog food, and tampons means fewer trips to the supermarket and less time running errands. Plus, you save money by buying bulk packages or stocking up while the items are on sale. Use long lines for "me time" Instead of griping about how long your wait to the cash register is, think of it as a few peaceful moments to yourself. Close your eyes (don’t be self-conscious!) and imagine yourself sitting on a quiet beach or getting a massage. Take several deep breaths while you mentally escape to that place. You’ll be much more relaxed, and you can wait in line with less frustration. Practice mindfulness Performing a ‘walking meditation’ while you shop will keep you engaged with your task instead of letting your mind wander to other stressors. By the end of your trip, you’ll have more energy and less frustration. Pay attention to the bright colours of the produce, the scents wafting from the bakery, and the feeling of each step you take. Do someone else's errands If you have an elderly neighbour or know a mother with young kids, offer to add some of their tasks to your to-do list. Studies have shown that helping others can reduce stress. Tune out Instead of drowning out your thoughts with music, keep the radio off when you’re driving and allow your own thoughts to come to you. The stimuli of everyday life can be overwhelming, so this is your chance to recharge your energy in the silence. Keep a grocery list on your phone You probably buy the same things on most of your grocery runs. Instead of writing a new list every week, keep an ongoing list on your phone, which makes it easy to add and remove items. Organise your list in the order you’ll find them at the supermarket. For instance, if you start near the produce section, write the fruits and vegetables first. Reward yourself To keep yourself motivated while you’re out, add a little luxury to your shopping list. Treat yourself with nice bath soap, a bouquet of flowers, or your favourite craft beer. Keep an ongoing errands list Write down your usual tasks, along with the ones you keep forgetting to do, like buying socks for your child or making a vet appointment for the dog, in a notepad. Carry it with you so you don’t miss anything when you’re out. When you’re home, stash it where the rest of your family can access it and jot down their needs. Buy online as much as possible The possibilities are endless: order groceries, buy stamps, cash checks, and renew library books online. Giving your credit card number over a secured server is safer than stating your number over the phone, and sometimes safer than handing your card over at a store. Alternate tasks with your neighbours Make a deal with your neighbours in which you do the grocery shopping one week, and they take care of it the next. You can watch each other’s kids when it’s your turn to stay home, and both of you will make fewer trips to the supermarket. Or plan to go grocery shopping with a friend. You’ll have more fun with the social support, and your kids might behave better with someone else present. Have dad run errands with the kids Kids who cook, clean, and run errands with their dads have more friends and are better behaved, according to a University of California study. Make sure your partner (or you, if you’re a dad) takes the kids along every now and then. As a bonus, wives of men who do chores with their kids find their husbands more attractive. Image credits: Getty Images This article originally appeared on <a href="https://www.readersdigest.co.nz/culture/15-hacks-that-make-running-errands-so-much-better?pages=1" target="_blank" rel="noopener">Reader's Digest</a>.

Money & Banking

Could you cope with a shock to your bank balance? 5 ways to check you are financially resilient

<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> Imagine the dentist has just said you urgently need a A$2,000 dental crown. A week later, a pipe in your bathroom bursts, causing $8,000 worth of damage. Suddenly, you’ve been hit with a $10,000 financial shock. As the cost-of-living crisis plunges more households into financial uncertainty and at least <a href="https://melbourneinstitute.unimelb.edu.au/data/taking-the-pulse-of-the-nation-2022/2023/australians-face-challenging-budgetary-constraints#:%7E:text=Over%20the%20past%20six%20months,has%20increased%20to%2060%20percent.">one-third</a> of Australians struggle to make ends meet, it’s more important than ever to ask yourself: how financially resilient am I? Being financially resilient means you aren’t left financially devastated when an expensive emergency creeps up on you. Here are five key signs of financial resilience. <h2>1. You have a plan for what you’d do if you suddenly lost your salary</h2> Financial resilience means having a plan to fall back on during tough times. This extends to how you’d make money if you lost your job. In practice, that means things like making sure your skills and contacts are kept up to date so you can more easily find a new job. You might also consider whether a “side hustle” job such as tutoring could work for you in the short term, and how you’d put that plan into practice if needed. Perhaps you have a spare room in your home you could rent out for a period of time if you lost your salary. Those examples won’t work for everyone, of course, but it’s still worth asking yourself the question: what would I do if I lost my salary tomorrow? <h2>2. You have enough liquid assets to meet an unexpected financial expense</h2> Liquid assets means money that can be accessed quickly and easily to overcome an unplanned financial expense. Savings are a good example. They provide a buffer so you can cope in the short term if a financial shock strikes. The federal government’s Moneysmart website suggests you aim to have enough in your emergency savings fund to cover <a href="https://moneysmart.gov.au/saving/save-for-an-emergency-fund">three months of expenses</a>. Having an <a href="https://moneysmart.gov.au/glossary/offset-account">offset account</a> as part of a mortgage is another option that provides a buffer. Putting money in an offset account helps you save while reducing the amount of interest on a home loan. You can still access the money in an offset account at any time. <h2>3. You have bought the right financial products, such as insurance</h2> Financial products, such as insurance, hedge against potential losses. Personal insurance is important because it provides income in the event of death, illness or injury. Examples include: <ul> <li> life insurance (which pays out to your beneficiaries, such as your partner or children, when you die) </li> <li> total and permanent disability insurance (which means you may get some money if you acquire a disability that prevents you from working) </li> <li> income protection (which provides you with an income if you can no longer work) </li> <li> trauma cover (which covers a life-changing illness or injury, such as cancer or a stroke). </li> </ul> Check if your superannuation has any of these insurances included in it. <a href="https://www.griffith.edu.au/__data/assets/pdf_file/0030/295770/FPRJ-V4-ISS1-pp-53-75-insurance-literacy-in-australia.pdf">Research</a> has found that many Australians are underinsured. <h2>4. You can still pay your debts when times are tough</h2> Being able to borrow money can help when you’re in a tight spot. But knowing where to borrow from, how much to borrow and how to manage debt repayments is crucial. Financially resilient people use debt responsibly. That means: <ul> <li> not using debt for frivolous expenses like after-work drinks </li> <li> staying away from private money lenders </li> <li> being cautious about buy-now-pay-later services </li> <li> watching out for debts with high interest rates, such as payday loans and credit card debt </li> <li> maintaining debt repayments consistently. </li> </ul> If you’re having debt problems, talk to your lender about renegotiating your repayment arrangements, or contact the <a href="https://ndh.org.au/">National Debt Helpline</a> on 1800 007 007. <h2>5. You are financially literate</h2> Being financially literate means you can assess the benefits and risks of using savings or taking out debt to meet an unplanned financial need. As I have <a href="https://theconversation.com/are-you-financially-literate-here-are-7-signs-youre-on-the-right-track-202331">written</a> before on The Conversation, key signs of financial literacy include tracking your cashflow, building a budget, as well as understanding what debts you have and which to pay first. It also means storing your money across different places (such as superannuation, savings accounts, property and the share market) and understanding how financial assets like cash, shares and bonds work. Being aware of your financial strengths and weaknesses, and having financial goals is also important. Nobody is born knowing how to make sound financial decisions; it’s a skill that must be learned. It’s good to think about the resources you would draw upon to help get yourself out of a difficult financial situation – well before disaster strikes.<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/218126/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <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> Image credits: Getty Images 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/could-you-cope-with-a-shock-to-your-bank-balance-5-ways-to-check-you-are-financially-resilient-218126">original article</a>.

Money & Banking

9 beauty hacks for when you’re running late

Spritz on dry shampoo When you don’t have time to wash or blow-dry your hair, dry shampoo is your new best friend. One quick spritz is a shortcut to volume and oil-free hair. Simply spray the dry shampoo directly at the roots and massage in for a clean, tousled look. Beauty expert and blogger, Jeanette Zinno, shares her special trick, “Use a dry shampoo at night to wake up with fresh textured hair. It has all night to work and absorb.” If you’re in a pinch and don’t have any dry shampoo on hand, run a dryer sheet across your hair, suggests Rochelle Maribojoc from Spa Pechanga. Though it sounds strange, it effectively picks up static, dirt, and oil; even if you plan on throwing your hair into a ponytail or messy bun, it’ll look leagues better. Stock up on travel-size products If you’re constantly running late (hey – no judgments!), having a to-go makeup bag full of mini hair and makeup products at the ready is a lifesaver. On those harried mornings, simply grab this trusty tote and do your beauty routine on the fly (on the train or when you get to your office). Makeup artists, Sam & Nic Chapman, share, “Travel-ready products are fantastic in a bind. If you haven’t had enough time to perfect your look in the morning, you’ll have the tools to freshen it up throughout the day.” Take advantage of multipurpose products Multi-purpose products help reduce the number of products you use and can be applied in less time. For example, a colour stick the can be used for cheeks, eyes, and lips. “I love it because it’s also very small, so you can take it on-the-go too,” Zinno says. Dry nail polish fast with ice water We’ve all been there – you’re going to an event or getting ready for a date, and you didn’t have time for a manicure. Of course, there’s no such thing as speedily painting your nails, as polish requires ample drying time, except, that is, if you use this brilliant trick from Zinno. “Soak your freshly-painted nails in a bowl of ice water for a minute; the cold will dry them quickly. Make sure you have the bowl ready before you paint your nails so you don’t mess them up!” Skip the foundation Unless your skin has a lot of unevenness, you really don’t need foundation 24/7. When you’re in a hurry, you can get away with dabbing concealer under eyes, down the bridge of the nose, on your chin, and on any problem areas like dark spots or pimples. “Using your concealer for spot-concealing is the best time-saver as it provides evenness of tone, while giving your complexion a natural, not-fussy look,” says CEO of Veil Cosmetics, Sébastien Tardif, who adds that you want to pick a concealer that matches your skin tone for the most flattering finish. Apply eyeliner on the "negative space" While cat liner and smoky eyes require a time commitment, filling in the negative space (the area of skin on your eyelid between your lashes and eye) is extremely easy and gives instant definition and make your lashes look fuller without any mascara. Smudge eyeliner for an instant smoky eye For the quickest smoky eye, “Simply line your eyes using a creamy eyeliner and smudge with your ring finger (it’s the weakest, so it’s the best for blending without pulling your delicate eyelid skin),” shares beauty expert and professional makeup artist, Sona Gasparian, “In just a few seconds, you’ll have a simple Parisian look!” Blush is a must Although contouring your full face will eat up too much time, blush is too important to skip, especially in the morning when most of us tend to roll out of bed looking pasty or sallow. If you’re super tight on time, dab a tinted lip balm on your cheeks and blend for a creamy blush alternative. “A little bit of colour on our cheeks can go a long way – the colour makes you look more alive without barely even trying,” says BH Cosmetics. Swipe on a dark lip colour A red, plum, or sophisticated brown lip hue can elevate your look and make others think you dedicated a whole lot of effort on your appearance, even when you didn’t. Choose a lip stain and you won’t even have to re-apply throughout the day, says Liz Fuller from Makeup Artistry Inc, “One quick pat on the lips in the morning as you’re running out the door, and you can forget about it for the remainder of the day.” Image credits: Getty Images This article originally appeared on <a href="https://www.readersdigest.co.nz/healthsmart/beauty/9-beauty-hacks-for-when-youre-running-late" target="_blank" rel="noopener">Reader's Digest</a>.

Beauty & Style

Genius Christmas hack divides viewers

Christmas, a time when the kitchen becomes a battlefield and culinary warriors seek ingenious hacks to conquer the chaos! Thankfully, Janelle from @thedailynelly on Instagram, armed with the wisdom of her grandma, has unveiled a potato-cleaning strategy that has shaken the very foundations of traditional holiday prep. Enter "Grandma's best Thanksgiving secret" – a cryptic title that foreshadows a culinary revelation of epic proportions. And yes, we know it's for Thanksgiving – but we are just going to give some thanks and use it for Christmas prep anyway. Janelle took to Instagram to showcase her revolutionary potato-cleaning hack for her followers and – spoiler alert – it involves a dishwasher, and things are about to get wild. As Janelle stacks unwashed potatoes into the dishwasher, she confidently claims that this unorthodox method saves her both time and effort. The video unfolds like a suspenseful thriller, with the person behind the camera questioning her every move. "This is the best way to do it. It saves you so much time," Janelle declares with the conviction of someone who has cracked the Da Vinci Code of holiday cooking. In a daring move, she populates not only the top rack with filthy potatoes but also the lower shelf, even utilising the cutlery holder – because who needs spoons when you can have spuds? Janelle defends her potato-loading strategy, pointing out that traditional methods in a bowl are impractical when faced with three bags of potatoes. Practicality, meet pandemonium. Janelle also points out – a little redundantly, but to be honest you never really know the caliber of person watching Instagram videos – that it's crucial not to use any dishwashing tablets or soap in this peculiar cleaning ritual, because, you know, that would be weird. We wouldn't want our spuds to taste like lavender-scented detergent, now would we? The climax arrives when the four-minute rinse cycle is over – a pivotal moment in this culinary odyssey. Janelle gleefully showcases the now pristine potatoes, claiming victory over the tedious hand-washing process. "They're clean, you didn't have to hand wash them. I'm telling you – it saves time on Christmas when you're hosting a tonne of people," she declares triumphantly. However, the internet, ever the skeptic, has of course reacted with horror and disbelief. Some commenters expressed their disgust, labelling the dishwasher technique as "gross" and "nasty". <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-captioned="" data-instgrm-permalink="https://www.instagram.com/reel/Cz7Af8oulYb/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/reel/Cz7Af8oulYb/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by The Daily Nelly (@thedailynelly)</a> </div> </blockquote> Concerns about dishwasher residue and the efficiency of the method compared to traditional hand washing also echo through the comments. The naysayers argue that the time spent stacking potatoes in the dishwasher outweighs the alleged time saved. In the end, @thedailynelly's dishwasher potato video has become something of a cautionary tale, a reminder that not all culinary shortcuts are created equal. But here at OverSixty we are firmly on Team Janelle. At least she is out there giving it a go, listening to her grandma, and sharing her wisdom with the world. Images: Instagram / @thedailynelly

Food & Wine

Bring a plate! What to take to Christmas lunch that looks impressive (but won’t break the bank)

<a href="https://theconversation.com/profiles/lauren-ball-14718">Lauren Ball</a>, <a href="https://theconversation.com/institutions/the-university-of-queensland-805">The University of Queensland</a>; <a href="https://theconversation.com/profiles/amy-kirkegaard-1401256">Amy Kirkegaard</a>, <a href="https://theconversation.com/institutions/the-university-of-queensland-805">The University of Queensland</a>; <a href="https://theconversation.com/profiles/breanna-lepre-1401257">Breanna Lepre</a>, <a href="https://theconversation.com/institutions/the-university-of-queensland-805">The University of Queensland</a>, and <a href="https://theconversation.com/profiles/emily-burch-438717">Emily Burch</a>, <a href="https://theconversation.com/institutions/the-university-of-queensland-805">The University of Queensland</a> Christmas lunch is at your friend’s house this year, and they’ve asked you to bring a plate. Money is tight. So, you find yourself wondering, “What’s cheap, healthy but also looks impressive?” While a tray of mangoes would certainly be a cheap, healthy and colourful contribution, you want to look as if you’ve put in a bit of effort. If you’re struggling for inspiration, here are some tried and tested ideas. <h2>First, choose your ingredients</h2> Check your pantry for inspiration or ingredients. Crackers, dried fruit or nuts are great ideas for a charcuterie board. You can use herbs and spices to add flavour to dishes, or you could use up packets of dried pasta to make a <a href="https://nomoneynotime.com.au/healthy-easy-recipes/salmon-and-pasta-salad">pasta salad</a>. This is also a great way to clean out your pantry. Focus on fruit and vegetables that are in season, so are cheaper and more readily available. Keep an eye out at your local fruit and veggie shop or market as it will usually have in-season fruit and vegetables in bulk quantities at reduced prices. Check out <a href="http://seasonalfoodguide.com/australia-general-seasonal-fresh-produce-guide-fruits-vegetables-in-season-availability.html">this seasonal food guide</a> to help you plan your Christmas menu. Ask around for deals by chatting to your local butcher, fishmonger or grocer and let them know your budget. They may suggest cheaper cuts of meat (such as, <a href="https://www.australianbutchersguild.com.au/the-blog/the-abg-blog/underrated-cuts-of-beef/">oyster</a>, <a href="https://www.australianbeef.com.au/know-your-meat/beef-cuts/">blades, rump caps</a>). Try cooking <a href="https://www.bestrecipes.com.au/recipes/slow-cooker-corned-beef-mustard-sauce-recipe/z47lwrbv?r=entertaining/9clz7475&h=entertaining">corned beef</a> or <a href="https://www.bbcgoodfood.com/recipes/slow-cooker-roast-chicken">roast chicken</a> in a slow cooker with lots of vegetables. Slow-cooked meals can be frozen and can come in handy for left-overs. Lean into <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC4608274/">legumes</a>. These are packed with fibre, protein, vitamins and minerals. They are also budget-friendly and a great way to add texture to salads. Tinned chickpeas, or cannellini, kidney, or butter beans are quick and easy additions that can make filling dishes go further. You could even turn tinned chickpeas into homemade hommus for a healthy and delicious side dish. Check out these healthy legume <a href="https://nomoneynotime.com.au/healthy-easy-recipes/filter/keywords--legumes">recipes</a>. <h2>7 ways to keep food costs down this Christmas</h2> 1. Plan ahead Plan your menu by asking how many people are coming and checking for any food preferences or dietary requirements. Check for items you already have at home, and make a shopping list for only what you <a href="https://www.emerald.com/insight/content/doi/10.1108/BFJ-12-2017-0726/full/html">need</a>. 2. Use free recipes Use free online recipe collections and e-books tailored for budget cooking that can help you design your Christmas menu to meet your budget. This <a href="https://nomoneynotime.com.au/uploads/Our-Guide-to-the-Perfect-Christmas-Feast.pdf">one</a> was created by a group of <a href="https://dietitiansaustralia.org.au/working-dietetics/standards-and-scope/role-accredited-practising-dietitian">accredited practising dietitians</a> and has healthy, budget friendly recipes and ideas. You could also try this budget friendly collection of Christmas recipes from <a href="https://www.taste.com.au/recipes/collections/budget-christmas-recipes">taste</a>. 3. Involve the family Get together with other family members and make it a challenge to see who can make the cheapest, most delicious dish. Get the kids involved in fun activities, such as making a DIY gingerbread house or putting together mixed skewers for the barbecue. 4. Pool your resources Larger quantities of a single dish will be cheaper than multiple different dishes (and easier to prepare). 5. Frozen is fine Use frozen fruits and vegetables if you need to. These can have just as <a href="https://pubmed.ncbi.nlm.nih.gov/25526594/">many vitamins and minerals</a> as fresh, are often cheaper than fresh produce and last longer. Try using frozen berries to decorate the pavlova or add them to your favourite cake, muffin or pie. 6. Make your own drinks You could make your own drinks, such as home-brewed iced tea. See if anyone in your family has a soda stream you can borrow to make sparkling mineral water. Add some freshly squeezed lemon or lime for extra flavour. 7. Reduce waste Use your own crockery and re-use leftovers to reduce waste. After all, washing up is cheaper than buying plastic or paper plates and better for the environment. Remember to save any leftovers and re-use them. Leftover fresh vegetables could be used to make a hearty soup or chutney. <h2>It doesn’t have to be perfect</h2> Christmas comes and goes quickly. If your cooking ideas don’t work out, it’s not the end of the world. Choosing healthy foods on a budget is important all year around, so you may like to think about trying these tips throughout the years to come. <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/196565/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/lauren-ball-14718">Lauren Ball</a>, Professor of Community Health and Wellbeing, <a href="https://theconversation.com/institutions/the-university-of-queensland-805">The University of Queensland</a>; <a href="https://theconversation.com/profiles/amy-kirkegaard-1401256">Amy Kirkegaard</a>, Postdoctoral Research Fellow, School of Human Movement and Nutrition Sciences, <a href="https://theconversation.com/institutions/the-university-of-queensland-805">The University of Queensland</a>; <a href="https://theconversation.com/profiles/breanna-lepre-1401257">Breanna Lepre</a>, Research Fellow, Mater Research Institute, <a href="https://theconversation.com/institutions/the-university-of-queensland-805">The University of Queensland</a>, and <a href="https://theconversation.com/profiles/emily-burch-438717">Emily Burch</a>, Dietitian and Researcher, <a href="https://theconversation.com/institutions/the-university-of-queensland-805">The University of Queensland</a> Image credits: Getty Images 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/bring-a-plate-what-to-take-to-christmas-lunch-that-looks-impressive-but-wont-break-the-bank-196565">original article</a>.

Food & Wine

How risky is it to give card details over the phone and how do I reduce the chance of fraud?

<a href="https://theconversation.com/profiles/paul-haskell-dowland-382903">Paul Haskell-Dowland</a>, <a href="https://theconversation.com/institutions/edith-cowan-university-720">Edith Cowan University</a> and <a href="https://theconversation.com/profiles/ismini-vasileiou-1031778">Ismini Vasileiou</a>, <a href="https://theconversation.com/institutions/de-montfort-university-1254">De Montfort University</a> Paying for things digitally is so common, most of us think nothing of swiping or tapping our card, or using mobile payments. While doing so is second nature, we may be more reluctant to provide card details over the phone. Merchants are allowed to ask us for credit card details over the phone – this is perfectly legal. But there are minimum standards they must comply with and safeguards to protect consumer data. So is giving your card details over the phone any more risky than other transactions and how can you minimise the risks? <h2>How is my card data protected?</h2> For a merchant to process card transactions, they are expected to comply with the <a href="https://docs-prv.pcisecuritystandards.org/PCI%20DSS/Standard/PCI-DSS-v4_0.pdf">Payment Card Industry Data Security Standard</a>. This is a set of security requirements designed to protect cardholder data and the trillions of dollars of transactions each year. Compliance involves various security measures (such as encryption and access controls) together with strong governance and regular security assessments. If the information stored by the merchant is accessed by an unauthorised party, encryption ensures it is not readable. That means stealing the data would not let the criminals use the card details. Meanwhile, access controls ensure only authorised individuals have access to cardholder data. Though all companies processing cards are expected to meet the compliance standards, only those processing large volumes are subject to mandatory regular audits. Should a subsequent data leak or misuse occur that can be attributed to a compliance failure, a <a href="https://www.csoonline.com/article/569591/pci-dss-explained-requirements-fines-and-steps-to-compliance.html">company can be penalised</a> at levels that can escalate into millions of dollars. These requirements apply to all card transactions, whether in person, online or over the phone. Phone transactions are likely to involve a human collecting the card details and either entering them into computer systems, or processing the payment through paper forms. The payment card Security Standards Council has <a href="https://docs-prv.pcisecuritystandards.org/Guidance%20Document/Telephone-Based%20Payments/Protecting_Telephone_Based_Payment_Card_Data_v3-0_nov_2018.pdf">detailed guides for best practice</a>: <blockquote> A policy should be in place to ensure that payment card data is protected against unauthorised viewing, copying, or scanning, in particular on desks. </blockquote> Although these measures can help to protect your card data, there are still risks in case the details are misplaced or the person on the phone aren’t who they say they are. <h2>Basic tips for safe credit card use over the phone</h2> If you provide card details over the phone, there are steps you can take to minimise the chance you’ll become the victim of fraud, or get your details leaked. 1. Verify the caller If you didn’t initiate the call, hang up and call the company directly using details you’ve verified yourself. Scammers will often masquerade as a well-known company (for example, an online retailer or a courier) and convince you a payment failed or payment is needed to release a delivery. Before you provide any information, confirm the caller is legitimate and the purpose of the call is genuine. 2. Be sceptical If you are being offered a deal that’s too good to be true, have concerns about the person you’re dealing with, or just feel something is not quite right, hang up. You can always call them back later if the caller turns out to be legitimate. 3. Use secure payment methods If you’ve previously paid the company with other (more secure) methods, ask to use that same method. 4. Keep records Make sure you record details of the company, the representative you are speaking to and the amount being charged. You should also ask for an order or transaction reference. Don’t forget to ask for the receipt to be sent to you. Check the transaction against your card matches the receipt – use your banking app, don’t wait for the statement to come through. <h2>Virtual credit cards</h2> In addition to the safeguards mentioned above, a <a href="https://www.forbes.com/advisor/credit-cards/virtual-credit-card-numbers-guide/">virtual credit card</a> can help reduce the risk of card fraud. You probably already have a form of virtual card if you’ve added a credit card to your phone for mobile payments. Depending on the financial institution, you can create a new credit card number linked to your physical card. Some banks extend this functionality to allow you to generate unique card numbers and/or CVV numbers (the three digits at the back of your card). With this approach you can easily separate transactions and cancel a virtual card/number if you have any concerns. <h2>What to do if you think your card details have been compromised or stolen?</h2> It’s important not to panic, but quick action is essential: <ul> <li> call your bank and get the card blocked so you won’t lose any more money. Depending on your situation, you can also block/cancel the card through your banking app or website </li> <li> report the issue to the police or other relevant body </li> <li> monitor your account(s) for any unusual transactions </li> <li> explore card settings in your banking app or website – many providers allow you to limit transactions based on value, restrict transaction types or enable alerts </li> <li> you may want to consider registering for <a href="https://theconversation.com/your-credit-report-is-a-key-part-of-your-privacy-heres-how-to-find-and-check-it-116999">credit monitoring services</a> and to enable fraud alerts. </li> </ul> <h2>So, should I give my card details over the phone?</h2> If you want to minimise risk, it’s best to avoid giving card details over the phone if you can. Providing your card details via a website still has risks, but at least it removes the human element. The best solution currently available is to use virtual cards – if anything goes wrong you can cancel just that unique card identity, rather than your entire card.<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/216833/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/paul-haskell-dowland-382903">Paul Haskell-Dowland</a>, Professor of Cyber Security Practice, <a href="https://theconversation.com/institutions/edith-cowan-university-720">Edith Cowan University</a> and <a href="https://theconversation.com/profiles/ismini-vasileiou-1031778">Ismini Vasileiou</a>, Associate Professor, <a href="https://theconversation.com/institutions/de-montfort-university-1254">De Montfort University</a> Image credits: Getty Images This article is republished from <a style="font-style: italic;" href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a style="font-style: italic;" href="https://theconversation.com/how-risky-is-it-to-give-card-details-over-the-phone-and-how-do-i-reduce-the-chance-of-fraud-216833">original article</a>.

Money & Banking

5 genius travel hacks no-one talks about

Genius travel influencer Grace Cheng has amassed a large following on Instagram by sharing her luxurious international adventures. But she's not just about the pretty pictures and glamorous destinations; she's also got some practical tips and tricks up her sleeve – one of which makes so much sense you will be a little cross you didn't think of it yourself. In a recent video, Cheng revealed her top five travel hacks that "no one talks about" – and while some of her tips were met with skepticism from readers and viewers, others were completely floored by how simple and effective they were. Tip 1: Freeze water bottles to get them through security Amazing, right? Cheng's first tip is such a game-changer for anyone who's ever had to throw away their water bottle at airport security. She claims you can actually take a full bottle of water through security ... if it's frozen. The logic is that ice is solid and water is liquid, so all you have to do is freeze the water before you leave for the airport. Then, before you hit security, just drink whatever has melted and carry on the rest. Cheng calls this one the "biggest hack ever" – and we're inclined to agree. No more paying for overpriced bottled water at the airport! Tip 2: Use a hair to check for hotel room intruders This one seems a little paranoid, but if you're ever worried about someone entering your hotel room while you're out, Cheng has a clever solution. She suggests taping a hair at the bottom of the door frame. When you come back to your room, you'll see if the hair has been broken or not. If it has, then you know someone has been inside. This is a pretty simple and effective way to check for intruders, and it's definitely worth trying if you're feeling paranoid. Tip 3: Board your economy flight last to get an empty row If you're flying economy, Cheng says you should always board the plane last. This is because it will give you a chance to see which seats are empty. Once you've spotted an empty row, you can politely ask the flight attendant if you can take one of the seats. With a little luck, you'll end up with a whole row to yourself, which is basically like flying business class. Tip 4: Book with the same hotel chain to get upgrades If you're a frequent traveller, Cheng says you should always book with the same hotel chain whenever possible. This is because you'll be more likely to get rewarded with upgrades and better customer service. Hotel chains often have loyalty programs that reward repeat customers. So, if you're always booking with the same hotel chain, you'll eventually start to rack up points that can be redeemed for upgrades, free stays and other perks. Solid tip, Cheng! Tip 5: Always carry a universal power adaptor Cheng says this is one of the most important travel hacks she's ever learned. She used to have to keep buying different adaptors for every country she visited, but now she just carries a universal adaptor with her. This is quite the lifesaver for any traveller who wants to avoid the hassle of finding and buying adaptors in every new country they visit. Overall, Cheng's travel hacks are a mix of clever tips and solid, commonsense advice. But whether you love them or hate them, there's no denying that they're worth checking out. So, next time you're planning a trip, be sure to give Cheng's hacks a try. You might just be surprised at how much they can make your travels easier and more enjoyable! <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-captioned="" data-instgrm-permalink="https://www.instagram.com/reel/CxMol_HLl3w/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/reel/CxMol_HLl3w/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by grace | TravelCreator✨ (@graceccheng)</a> </div> </blockquote> Images: Travel Creator @graceccheng / Instagram

Travel Tips

These 7 genius hacks will revive almost any plant

Look for signs of life If your plant has turned brown and lost some leaves, don’t give up on it just yet. There is hope that you can revive a dead plant if the plant still has a few green leaves and pliable stems – buds are a sure sign too. Melinda Meyers, star and producer of Melinda’s Garden Moment TV and radio segments, says that reviving a plant takes patience (sometimes even years). Think about the water Plants that are over-watered appear wilted and may have brown or yellow leaves that make it look dead but with very moist soil. By contrast, if you have forgotten to water your plants, the leaves will be brown but dried around the edges or curled up. Master gardener, Kristena LaMar, says that if you suspect over-watering is the cause of your plant’s demise, repot your plant in dry dirt. And if your plant is thirsty, water it! However, hold off on fertilising until the plant is in better health. Meyers warns that, “Fertilising a struggling plant can injure the tender roots of a recovering plant.” Consider your lighting situation If you recently moved your plant to a new spot, it’s possible it’s no longer getting enough light. Even if you didn’t move it, it’s possible its lighting situation changed. Did you recently buy heavier drapes? Plant a tree outside that’s now blocking the indoor sunlight? Try moving your plant to a sunnier window if it needs a lot of light. (Same goes with a plant that’s now getting too much sun; try a different location in your home.) Find a humid spot Plants absorb water through leaves as well as roots. So keep your plant in a humid spot that’s not too sunny and not too dry to help it recover. Feed your plant carefully People and pets aren’t the only things in your house that need food; plants can get malnourished, too. (Signs are discoloured leaves or slow or no growth.) Meyers recommends a fertiliser/nutritional supplement. Depending on the nutritional deficiency, providing the nutrition can help the plant recover nearly immediately within days. Other deficiencies may take longer – as in weeks – while others are chronic and may not ever fully recover, although these are rare with houseplants. IV for plants Another option for malnourished plants is a water-soluble fertiliser that will slowly release nutrients and is less likely to burn your plant’s roots. Add it to the watering can before watering plants. Only use fertiliser during the time when your plant should be growing. Over-fertilising or using the wrong fertiliser can burn the roots of the plant. Compost If you’ve tried everything, and your plant still can’t be revived, it might be time to let go. By composting your plants, the remains can be recycled as nutrient-rich dirt that can help your next houseplant thrive. Don’t beat yourself up – and next time buy a hearty, nearly kill-proof cactus. Image credits: Getty Images This article originally appeared on <a href="https://www.readersdigest.co.nz/food-home-garden/7-hacks-that-will-revive-almost-any-plant" target="_blank" rel="noopener">Reader's Digest</a>.

Home & Garden

Can Israel and Hamas be held to account for alleged crimes against civilians?

<a href="https://theconversation.com/profiles/amy-maguire-129609">Amy Maguire</a>, <a href="https://theconversation.com/institutions/university-of-newcastle-1060">University of Newcastle</a> <a href="https://www.redcross.org.au/ihl/">International humanitarian law</a> – the law of armed conflict – aims to constrain how wars are fought. It is designed to protect noncombatants and limit the means of warfare. As each hour brings news of further horror in the Israel-Hamas conflict, what role should international law be playing? And does it actually have any capacity to constrain the behaviour of the combatants? <h2>A humanitarian nightmare is unfolding</h2> On <a href="https://edition.cnn.com/2023/10/16/middleeast/israel-hamas-gaza-war-explained-week-2-mime-intl/index.html">October 7</a>, the Hamas militant group launched thousands of rockets against Israel in advance of a ground attack. Militants <a href="https://abcnews.go.com/International/live-updates/israel-gaza-hamas/?id=103804516#:%7E:text=ABC%20News%20Chief%20Global%20Affairs,war%20in%20Israel%20and%20Gaza.&text=At%20least%201%2C400%20people%20have,7%2C%20Israeli%20authorities%20said.">killed</a> more than 1,400 people and wounded 3,400 others in towns and kibbutzim across southern Israel. It was the <a href="https://theconversation.com/deadliest-day-for-jews-since-the-holocaust-spurs-a-crisis-of-confidence-in-the-idea-of-israel-and-its-possible-renewal-215507">deadliest day</a> for Jewish people since the Holocaust. Most of those killed were civilians, including many <a href="https://abcnews.go.com/International/horror-israeli-authorities-show-footage-hamas-atrocities-reporters-notebook/story?id=104015431#:%7E:text=It%20was%20part%20of%20the,injured%20in%20Israel%2C%20authorities%20said.">children</a> who were shot, blown up or burned to death. Hundreds of young people were also <a href="https://www.washingtonpost.com/world/2023/10/08/israel-festival-attack-gaza-militants/">massacred</a> at a music festival, and Hamas took around 200 <a href="https://www.reuters.com/world/middle-east/former-hamas-chief-meshaal-says-israeli-captives-include-high-ranking-officers-2023-10-16/">hostages</a> back to Gaza. Israel is responding to this attack with <a href="https://abcnews.go.com/International/live-updates/israel-gaza-hamas/?id=103804516#:%7E:text=ABC%20News%20Chief%20Global%20Affairs,war%20in%20Israel%20and%20Gaza.&text=At%20least%201%2C400%20people%20have,7%2C%20Israeli%20authorities%20said.">airstrikes</a>, which have to date <a href="https://www.wsj.com/livecoverage/israel-hamas-war-gaza-palestinians/card/latest-death-tolls-in-gaza-and-israel-xJRhBt04VQMocRuYUtsA">killed</a> at least 4,000 people in Gaza and injured thousands more. The vast majority of these casualties are Palestinian civilians. Israel has also rapidly mobilised around <a href="https://www.washingtonpost.com/world/2023/10/10/israel-military-draft-reservists/">360,000 reservists</a> in preparation for an anticipated ground offensive on Gaza. In recent days, a blast at a <a href="https://www.nytimes.com/2023/10/17/world/middleeast/gaza-hospital-explosion-israel.html">Gaza hospital</a> killed hundreds, including patients and displaced people seeking sanctuary. Hamas and several Arab states have <a href="https://www.theguardian.com/world/2023/oct/18/israel-faces-blame-from-regional-allies-over-gaza-hospital-deaths">blamed</a> Israel for the explosion, while Israel has <a href="https://www.nytimes.com/2023/10/17/world/middleeast/islamic-jihad-gaza-hospital-israel.html">blamed</a> Palestinian Islamic Jihad. The situation in Gaza is dire for people with urgent needs, including <a href="https://www.abc.net.au/news/2023-10-18/israel-gaza-war-live-updates-october-18/102989182?utm_campaign=abc_news_web&utm_content=link&utm_medium=content_shared&utm_source=abc_news_web#live-blog-post-55243">5,000 women</a> due to give birth this month and <a href="https://www.nytimes.com/2023/10/16/world/middleeast/gaza-evacuation-twin-babies-hospital.html#:%7E:text=The%20babies%2C%20Nuha%20and%20Fatin,of%20an%20Israeli%20ground%20invasion.">newborn babies</a> whose families cannot find drinking water to prepare formula. Meanwhile, Israel has <a href="https://www.theguardian.com/world/2023/oct/12/no-power-water-or-fuel-to-gaza-until-hostages-freed-says-israeli-minister">cut off</a> water, electricity and fuel supplies to Gaza and ordered a <a href="https://theconversation.com/gaza-is-being-strangled-why-israels-evacuation-order-violates-international-law-215787">total siege</a> of the territory. Israel has also ordered residents of northern Gaza to <a href="https://www.hrw.org/news/2023/10/16/why-israels-gaza-evacuation-order-so-alarming">evacuate</a> to the south. Aid agencies have been unable to provide desperately needed <a href="https://time.com/6324539/israel-gaza-humanitarian-aid-egypt-border/">humanitarian assistance</a> to civilians through the border crossing with Egypt. Prior to this latest horrific escalation, Gaza was already entrenched in a <a href="https://theconversation.com/gaza-has-been-blockaded-for-16-years-heres-what-a-complete-siege-and-invasion-could-mean-for-vital-supplies-215359">humanitarian crisis</a>. The situation now is beyond comprehension. <a href="https://www.abc.net.au/listen/programs/radionational-breakfast/gaza-610/102983118">Léo Cans</a>, the head of mission for Doctors Without Borders in Palestine, said hospitals are being overwhelmed and hundreds will die without electricity being restored: "This is something that is known and could be prevented just by letting fuel and supplies inside Gaza. What is ahead of us is beyond words […] at the end of the road it’s a big wall, and this big wall is full of dead people." <h2>Principles governing the conduct of war</h2> International humanitarian law is a pragmatic body of law. Its existence acknowledges the inevitability of armed conflict and it aims to mitigate war’s impact on people. International humanitarian law is not, in itself, concerned with the justifications for why combatants engage in war. It applies even in situations where a state is entitled to act in self-defence under broader international law. We are witnessing gross violations of fundamental humanitarian law principles in the conflict. Here are some examples: Distinction between civilians and combatants Attacks are considered <a href="https://ihl-databases.icrc.org/en/ihl-treaties/api-1977/article-51">unlawful</a> if they are: <ul> <li> directed specifically against civilians </li> <li> launched indiscriminately without distinction between civilians and combatants </li> <li> or directed at military targets but anticipated to cause harm to civilians disproportionate to the military advantage being sought. </li> </ul> Methods of warfare It is <a href="https://casebook.icrc.org/law/conduct-hostilities#iii_1">unlawful</a> to conduct war in a manner that causes unnecessary suffering. Attacks targeting civilians are fundamentally unnecessary and, therefore, illegal. Collective punishment The fourth Geneva Convention prohibits <a href="https://ihl-databases.icrc.org/en/ihl-treaties/gciv-1949/article-33">collective punishment</a>: "No protected person may be punished for an offence he or she has not personally committed. Collective penalties and likewise all measures of intimidation or of terrorism are prohibited." This prohibition reflects the idea of <a href="https://guide-humanitarian-law.org/content/article/3/collective-punishment/">individual criminal responsibility</a> under international criminal law. Prosecutions for breaches of humanitarian law are directed towards individuals who can be proven responsible, rather than against states or populations. Humanitarian protection Common Article 3 of the Geneva Conventions requires <a href="https://www.icrc.org/en/doc/war-and-law/treaties-customary-law/geneva-conventions/overview-geneva-conventions.htm">humane protection</a> for all people in enemy hands. It prohibits murder and hostage-taking. It also requires the provision of humanitarian assistance to all people without distinction. Obligations of occupying powers It is arguable Israel is a de facto occupying power of the Gaza Strip because it has such a <a href="https://theconversation.com/gaza-is-being-strangled-why-israels-evacuation-order-violates-international-law-215787">high level of control</a> over people’s lives. For example, it has the ability to shut off supplies of essential life services. The argument Israel is occupying Gaza will be strengthened should Israel launch a ground invasion. As such, the rules of international humanitarian law on occupiers are also relevant. These include an obligation to <a href="https://ihl-databases.icrc.org/en/ihl-treaties/hague-conv-iv-1907/regulations-art-43#:%7E:text=Regulations%3A%20Art.-,43,in%20force%20in%20the%20country.">protect</a> civilians from attacks and <a href="https://humanrights.gov.au/our-work/commission-general/international-covenant-civil-and-political-rights-human-rights-your#:%7E:text=opinions%20without%20interference.-,2.,other%20media%20of%20his%20choice.">respect their human rights</a>. <h2>Hamas and humanitarian law</h2> International humanitarian law applies to all combatants, whether they are state or non-state actors. UN independent experts say Hamas has clearly committed <a href="https://www.ohchr.org/en/press-releases/2023/10/israeloccupied-palestinian-territory-un-experts-deplore-attacks-civilians">war crimes</a>, including the murders and hostage-taking of Israeli civilians. Hamas also put Palestinian civilians in harm’s way by <a href="https://www.reuters.com/world/middle-east/hamas-tells-gaza-residents-stay-home-israel-ground-offensive-looms-2023-10-13/#:%7E:text=Eyad%20Al%2DBozom%2C%20spokesman%20for,your%20homes%2C%20and%20your%20places.">telling them</a> not to evacuate to southern Gaza, as ordered by Israel. The group has a history of using civilians as <a href="https://theconversation.com/how-the-laws-of-war-apply-to-the-conflict-between-israel-and-hamas-215493">human shields</a> as a <a href="https://stratcomcoe.org/cuploads/pfiles/hamas_human_shields.pdf">strategic tool</a> in conflicts with Israel. However, holding Hamas accountable for violating international humanitarian law is very challenging. As a non-state actor, Hamas is not a member of forums like the United Nations, where pressure may be brought to bear on member states. If individual Hamas militants are apprehended, they could be charged with <a href="https://www.thenewhumanitarian.org/interview/2023/10/17/how-have-israel-and-hamas-broken-laws-war">war crimes</a> and tried in Israeli courts or the International Criminal Court. Even though Hamas is a non-state actor, <a href="https://www.icc-cpi.int/victims/state-palestine">Palestine</a> has accepted the court’s jurisdiction. In fact, the International Criminal Court opened an <a href="https://www.lawfaremedia.org/article/where-does-the-icc-palestine-investigation-stand">investigation</a> into alleged war crimes in Palestine in 2021. The current Gaza conflict would fall within the court’s mandate and could lead it to direct greater energy to that ongoing investigation. The court’s chief prosecutor, Karim Khan, said on October 13: "We have jurisdiction for any Rome Statute crimes […] committed by Palestinians in Israel and also we have clear jurisdiction for any crimes committed by the forces of Israel in Palestine." <h2>Israel and humanitarian law</h2> Israel and its allies also have a complex relationship with international humanitarian law. One key issue is Israel’s right to self-defence in response to the October 7 attack by Hamas. International law confirms a state may use force to <a href="https://casebook.icrc.org/a_to_z/glossary/self-defence#:%7E:text=Self%2Ddefense%20in%20international%20law,Charter%20and%20customary%20international%20law.">defend</a> itself in response to an armed attack. Israel, the United States and other allies <a href="https://www.whitehouse.gov/briefing-room/speeches-remarks/2023/10/10/remarks-by-president-biden-on-the-terrorist-attacks-in-israel-2/">contend</a> the Hamas attack triggered Israel’s <a href="https://www.foreignminister.gov.au/minister/penny-wong/speech/speech-senate-hamas-attacks-israel-senate-motion-parliament-house">right to self-defence</a>. But there is a distinction to be drawn between a state’s right to self-defence and what that right permits, in the sense of how war is conducted. For example, UN independent experts have <a href="https://www.ohchr.org/en/press-releases/2023/10/israeloccupied-palestinian-territory-un-experts-deplore-attacks-civilians">condemned</a> Israel’s “indiscriminate military attacks” against Palestinian civilians: "This amounts to collective punishment. There is no justification for violence that indiscriminately targets innocent civilians, whether by Hamas or Israeli forces. This is absolutely prohibited under international law and amounts to a war crime." Neither <a href="https://arabcenterdc.org/resource/the-international-criminal-courts-failure-to-hold-israel-accountable/">Israel</a> nor the <a href="https://www.hrw.org/news/2020/09/02/qa-international-criminal-court-and-united-states">United States</a> is a party to the International Criminal Court. Neither state would accept the court’s jurisdiction over its nationals. Indeed, the United States has <a href="https://www.state.gov/the-united-states-opposes-the-icc-investigation-into-the-palestinian-situation/">condemned</a> the court’s decision to open its investigation into alleged war crimes in Palestine. In time, the court may seek to hold Israeli nationals accountable for war crimes, but its capacity to do so seems very limited. <h2>What about the United Nations?</h2> UN Secretary-General Antonio Guterres has <a href="https://www.voanews.com/a/un-s-guterres-denounces-collective-punishment-of-palestinians/7315616.html">called</a> for an immediate ceasefire. He said the grievances of the Palestinian people after more than 50 years of occupation do not “justify the acts of terror committed by Hamas”. And he said the Hamas attack on October 7 does not “justify the collective punishment of the Palestinian people”. UN human rights chief Volker Türk has also <a href="https://www.ctvnews.ca/world/un-human-rights-lead-warns-of-consequences-for-breaching-humanitarian-law-amid-israel-hamas-war-1.6605453">warned</a> all parties that violations of humanitarian law will have consequences, and those who commit war crimes will be held accountable. But the <a href="https://www.un.org/securitycouncil/#:%7E:text=The%20Security%20Council%20has%20primary,to%20comply%20with%20Council%20decisions.">UN Security Council</a>, which is charged with maintaining international peace and security, has yet to agree on a <a href="https://news.un.org/en/story/2023/10/1142467">statement</a> on the conflict. The <a href="https://reliefweb.int/report/occupied-palestinian-territory/4-members-favour-5-against-security-council-rejects-russian-federations-resolution-calling-immediate-humanitarian-ceasefire-israel-palestine-crisis">debate</a> in the council since the latest escalation in this perpetual conflict demonstrates the deep diplomatic fault lines between the key global players and the warring parties. At this point, a sad reality is that international law and global institutions can do little to constrain the actions of the combatants on both sides or provide assistance to the millions at grave risk of harm.<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/215705/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/amy-maguire-129609">Amy Maguire</a>, Associate Professor in Human Rights and International Law, <a href="https://theconversation.com/institutions/university-of-newcastle-1060">University of Newcastle</a> Image credits: Getty Images 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/can-israel-and-hamas-be-held-to-account-for-alleged-crimes-against-civilians-215705">original article</a>.

Legal

“This is life-changing information”: Shopper discovers little-known Bunnings hack

A shopper has revealed the details of a little-known Bunnings store policy that will ensure a blooming garden. Georgia Magill, a young woman from Perth, was shopping for plants in the hardware store when she was urged by the cashier to keep her receipt. The uni student was shocked why she should hold on to the receipt for a small house plant, as the worker went on to explain why. “She was like, ‘Oh because they come with a 12 month warranty’,” Georgia explained in a now-viral TikTok video. “And then she goes: ‘It doesn’t really matter how they die we’ll just replace them for you within a 12 month period.’” The hardware store created the ‘Perfect Plant Promise’ in February 2020 which states all plants, except for seedlings, can be returned within 12 months of purchase if they die. Bunnings won’t just replace the plant, it also offers money back, if you’d prefer to give up on your gardening dreams. "This is life-changing information,” she concluded in the video. While the policy has been around for several years, many Aussies hadn’t heard of it either, commenting in shock on the TikTok video, which has been viewed almost 1.5 million times. “What? I have literally had Bunnings plants die within weeks,” one wrote, “I did know this… but I also refuse to let Bunnings know how many plants I’ve murdered,” another stated. Another person declared, “It’s such a good idea. I can’t believe I didn’t know it!!” Among the comments were more tips for former and current Bunnings workers, offering some extra tips on how to utilise the policy. “Ex Bunnings worker here, keep the original pot so we know what plant it is, not everyone in store is a plant expert,” one remarked. “(From a Bunnings worker) either take a photo of your receipt or ask for it to be sent via SMS as they fade! For any warranty item,” another suggested. However, one worker urged Aussies not to take advantage of the offer, saying, “We will return your plant with a receipt and ‘proof’ but please don’t abuse this system. Plants die.” Image credits: Getty Images / TikTok

Home & Garden

Traveller shares hilarious hack to ensure the middle seat on a plane stays empty

There is nothing more joyous than boarding a plane and being seated next to an empty seat, ensuring you have a comfy flight by not being squished in with other travellers. But with this joy can also come sheer disappointment, when you get comfy in your extra space before a last-minute traveller comes to claim the empty seat. To combat the chance of someone robbing you of your space on a cramped plane, one traveller has shared the hilarious lengths he goes to in order to make sure the middle seat on a plane stays empty. The traveller posted the video of his hilarious hack to TikTok, sharing his trick with others to guarantee some extra space every time you fly. He put his arm upright inside a spare hoodie, placing a hat on top of his hand, to make it look like the seat was already occupied – preventing anyone else from taking that spot. The video has since been taken down, but has been reshared by other accounts. Of course, this hack only works on flights that have open seating policies, where passengers choose their own seats once on board, rather than having them assigned. The trick seems to work, with passengers avoiding his row and taking up empty seats elsewhere. Some viewers called the hack "genius" and said they would try it out for themselves next time they travel. However, others were skeptical, wondering how the trick would work if passengers eager to be seated are walking towards the two front on, rather than from behind. Image credits: TikTok

Travel Tips

7 hacks for retirees to make your money last longer

As Australians continue to live longer, the squeeze is on to make each dollar last longer – and never moreso than in retirement. <a href="https://www.aihw.gov.au/reports/life-expectancy-deaths/deaths-in-australia/contents/life-expectancy">Life expectancies in Australia</a> are now 85.4 years for women and 81.3 years for men. Meanwhile, the <a href="https://www.abs.gov.au/statistics/labour/employment-and-unemployment/retirement-and-retirement-intentions-australia/latest-release">average age at retirement</a> for all retirees is 56.3 years. That’s up to 29.1 years of retirement to be paid for without a salaried income. Thankfully, making money last longer is just possible, with the help of a few tips and tricks. <ol> <li>Embrace seniors’ discounts</li> </ol> It was once said that “it’s better to pay full price than to admit you’re a senior citizen”. Really? Who wouldn’t prefer the extra cash! Being “senior” opens the door to numerous discounts and freebies. If you haven’t already, apply for your eligible concession cards, including the <a href="https://www.servicesaustralia.gov.au/commonwealth-seniors-health-card">Commonwealth Seniors Health Card</a> (for discounted healthcare and prescriptions) and state or territory seniors card (for discounted/free vehicle registration, public transport and other services). Additionally, many businesses offer seniors discounts – insurers, retailers, attractions and more. But they may not advertise these discounts widely, so it pays to ask. <ol start="2"> <li>Maintain a plan</li> </ol> Having a plan and keeping it up to date ensures you don’t overdraw from super, losing the income-generating power of those funds and running out prematurely. I prefer a ‘savings and investment plan’, which sounds nicer and is more comprehensive than a ‘budget’. Incorporate your goals, expenses, assets, and incomes – visibility keeps you disciplined and allows you to act quickly if something is amiss. <ol start="3"> <li>Spend points</li> </ol> Many retirees have held their current credit card, store cards and frequent flyer account for years – decades even. How many points are sitting there unused? These points generally aren’t transferable, so can’t be gifted in your will. It’s use them or lose them! Points can pay for everything from groceries to homewares, travel and even your Christmas shopping – conserving your cash and super. <ol start="4"> <li>Get comfortable</li> </ol> Rightsizing your home sooner rather than later has numerous benefits, such as: <ul> <li><a href="https://www.ato.gov.au/Individuals/Super/Growing-and-keeping-track-of-your-super/How-to-save-more-in-your-super/Downsizer-super-contributions/">downsizer super contributions tax breaks</a> to boost superannuation earnings.</li> <li>paying less for your new home, since property prices generally track upwards whilst investing the extra equity.</li> <li>avoiding complications of moving later in life when your health or mobility may not be as good.</li> <li>avoiding a mistake - using the time to find exactly what you want, where you want, rather than being under pressure and having to spend stamp duty again</li> </ul> Home ownership is also a major determinant of how comfortable your retirement will be. And given the current state of Australia’s rental market, selling your home to move into rented accommodation could prove costly. <ol start="5"> <li>Retain protections</li> </ol> Protections are typically a cost – insurance premiums, legal fees, memberships etc. However, the cost of not having them in place can be far higher. Plus, in the case of insurances, prices and restrictions increase with age – meaning you pay more but get less value for that spend, compared with the more favourable terms of a long-held policy. By all means adjust your protections to suit your current and future needs. But think twice before trying to save a few dollars by discarding insurances or cancelling sports and social memberships that keep you active. <ol start="6"> <li>Update estate planning</li> </ol> Considerable costs (and heartache) inevitably hit a grieving partner and family where someone dies without having their affairs properly in order: <ul> <li>funeral costs and medical bills pile up if funds haven’t been allocated for them.</li> <li>delayed payouts from insurances and super if those details aren’t readily available. </li> <li>loss of economies of scale (living costs per person are cheaper for couples than singles). </li> <li>unexpected taxes, debts, and liabilities.</li> <li>legal conflicts arise where wills are unclear or outdated.</li> <li>a person’s wishes may go overlooked or be challenged where guardianships and power of attorney were not devised.</li> </ul> In extreme cases, the surviving spouse may be forced to sell their home to pay associated costs or because they can’t afford to maintain it alone. <ol start="7"> <li>Seek good advice</li> </ol> Just like a good doctor helps you stay physically and mentally healthy, a good financial adviser helps your finances stay healthy, tactically smart and use strategies to reduce tax which stretches your money further. Be sure their accreditation is up-to-date, and they have experience working with retirees (not just those planning for it during their working years). Often, the cost of this advice pales in comparison to the tax saved and additional income earned through benefits, structures and plans you never even knew about. What’s not to love about that! Helen Baker is a licensed Australian financial adviser and author of the new book, On Your Own Two Feet: The Essential Guide to Financial Independence for all Women (Ventura Press, $32.99). Helen is among the 1% of financial planners who hold a master’s degree in the field. Proceeds from book sales are donated to charities supporting disadvantaged women and children. Find out more at <a href="http://www.onyourowntwofeet.com.au">www.onyourowntwofeet.com.au</a> Image credits: Getty Images

Retirement Income

8 tips for keeping pets healthy that won’t break the bank

Australia is a nation of animal lovers. Collectively, we have more pets than people (<a href="https://kb.rspca.org.au/knowledge-base/how-many-pets-are-there-in-australia/#ftn1">28.7 million pets</a> vs <a href="https://www.abs.gov.au/statistics/people/population/population-clock-pyramid">26.7 million people</a>) and <a href="https://kb.rspca.org.au/knowledge-base/how-many-pets-are-there-in-australia/#:~:text=Overall%252C%2520Australian%2520households%2520are%2520estimated,spent%2520per%2520animal%2520each%2520year.">spent $33 billion on them</a> in 2022. Not only is a healthy pet a happy one, but healthy = wealthy with fewer vet bills and medications, plus less time off work to look after them. But how can you keep spending under control without sacrificing your pet’s health? Read on! 1. Choose the right pet Save yourself considerable drama – and money – by getting the right pet for your family from the outset. For instance: <ul> <li>Small dogs eat less, making them more suitable for tighter budgets.</li> <li>Energetic breeds won’t thrive if you can’t exercise them sufficiently. </li> <li>Low-allergy breeds (like Poodles and Burmese cats) can save allergy suffers on antihistamines and tissues.</li> </ul> 2. Secure your yard Prevention is always better than cure, so a secure yard/enclosure is a worthwhile investment. The cost of a new fence (especially if split with neighbours) often dwarfs the vet bills if your beloved is hit by a car. A secure pet is less likely to fight with other animals or eat things they shouldn’t. Plus, many areas impose fines for unrestrained pets. 3. Be organised An old phrase says: “For every minute spent organising, an hour is earned.” I’d suggest that hour earned also brings dollars saved. For pets, organisation includes: <ul> <li>Staying up-to-date with treatments and veterinary visits. Overdue parasite treatments, vaccinations, and check-ups often cause unnecessary and expensive complications.</li> <li>A tidy home, which saves replacing destroyed shoes etc and fees on overdue bills where the notice was chewed.</li> <li>Keeping household dangers – e.g., toxic plants, chemicals, foods (chocolate!) – out of your pets’ reach to avoid accidental poisoning.</li> </ul> 4. Weigh up insurance Many people say they’ll put money aside instead of buying pet insurance. But they don’t – the money winds up elsewhere. When considering insurance, weigh up each policy’s conditions, your pet’s health, and your ability to pay unexpected bills. Without insurance, small amounts may not be problematic. But unexpected surgeries or specialist tests and treatments could see you thousands of dollars out of pocket. The more claims you’re likely to make, the more valuable insurance may be. If you do get insurance, choose a reputable provider with positive reviews for paying claims promptly. 5. Master DIY Put your hands to work and make your pet’s essentials at a fraction of buying new. Consider making your own: <ul> <li>Toys – such as uncooked rice or pasta in a PET bottle. (Beware things like sticks, which can cause injuries and splinters.)</li> <li>Meals – cook in bulk and freeze portions for added savings and convenience. Homemade meals may be healthier too, since you know exactly what they’re eating.</li> <li>Bedding and towels – from your old clothing, linen etc.</li> </ul> Always use safe materials and ingredients that won’t be a choking hazard. Monitor items for wear and tear. 6. Involve your kids Getting kids/grandkids involved with animal care is good for everyone – including your wallet. Kids love animals. Pets love children’s playtime energy. And you’ll save paying someone else to do it when you’re short for time. Ask them to walk the dog, clean the litter tray, collect the eggs, top up food and water. You can make it form part of their pocket money – teaching them the value of earning – all while helping them develop important life skills like empathy and responsibility. 7. Consider legalities Custody and inheritance matters affect furbabies too, so it’s important to have a plan: <ul> <li>Wills – who will have guardianship if you die suddenly? Is that person willing and able? Have you left money to pay for their ongoing care?</li> <li>Separation/divorce – pets sadly are sometimes used as weapons in a separation. It could be emotional blackmail over custody, or one partner is given custody but cannot afford to keep them on a single income. The stress adversely affects everyone – including your pet. </li> </ul> 8. Spend time with them Companionship is important for your pet’s health – and yours. And it’s free! Research suggests <a href="https://www.health.harvard.edu/staying-healthy/having-a-dog-can-help-your-heart--literally">dog ownership improves heart health for humans</a> and <a href="https://www.psychologicalhealthcare.com.au/blog/mental-health-benefits-pets/">patting pets lowers blood pressure and stress hormones</a>. Plus, you’ll both benefit from being more active and making new friends (such as at the dog park). So, what are you waiting for? Hitch up the lead or pick up a toy and give your furbaby some love! Helen Baker is a licensed Australian financial adviser and author of the new book, On Your Own Two Feet: The Essential Guide to Financial Independence for all Women (Ventura Press, $32.99). Helen is among the 1% of financial planners who hold a master’s degree in the field. Proceeds from book sales are donated to charities supporting disadvantaged women and children. Find out more at <a href="http://www.onyourowntwofeet.com.au">www.onyourowntwofeet.com.au</a> Image credits: Shutterstock

Family & Pets

Try these 12 clever pillowcase hacks you’ll wish you knew sooner

Use a pillowcase as a laundry bag while travelling When you travel, you always want to keep your dirty laundry separate from your clean clothes. Stick a pillowcase in your suitcase and toss in the dirty laundry as it accumulates. When you get home, just empty the pillowcase into the washer and throw in the pillowcase as well. Use a pillowcase to dust ceiling fan blades Have you ever seen dust bunnies careening off your ceiling fan when you turn it on for the first time in weeks? Grab an old pillowcase and place it over one of the ceiling fan blades. Slowly pull off the pillowcase. The blades get dusted and the dust bunnies stay in the pillowcase, instead of parachuting to the floor. Turn a pillowcase into napkins Who needs formal linen napkins that need to be pressed every time you use them? Pillowcases are available in a wide array of colours and designs. Pick a colour or design you like, and start cutting. Prevent fraying by sewing a hem on each side, or simply finish with iron-on hemming tape. You’ll have a new set of colourful napkins for a fraction of the cost of regular cloth napkins. Use a pillowcase to keep matching bedding together Your recently arrived overnight guests want to go to bed, but it’s not made. You run to the linen closet, but you can’t find a matched set of sheets. Next time, file away your linens. Place newly laundered and folded sheets in their matching pillowcase before putting them in the closet. Prepare travel pillows Family road trips can be a lot of fun, but they can also get a little grimy too. Your youngsters may want to bring their own pillows along for the ride, but after several days in the car, they’re likely to get dirty with candy, food and markers. Take their favourite pillows and layer several pillowcases on each. When the outside one gets dirty, remove it for a fresh start! Use a pillowcase to wrap a present Trying to wrap a basketball or an odd-shaped piece of art? Is your wrapping paper not doing the trick? Place the gift in a pillowcase and tie closed with a ribbon. Use a pillowcase to store your jumpers Stored in plastic, winter jumpers can get musty. But stored in a wardrobe, they’re prey to moths. The solution can be found among your linens. Put the sweaters in a pillowcase for seasonal storage. They will stay free from dust but the pillowcase fabric will allow them to breathe. Use old pillowcases as garment bags You’ve just laundered a favourite dress shirt or skirt and you know you won’t be wearing it again for a while. To protect the garment, cut a hole in the top of an old pillowcase and slip it over the hanger and clothing. Psst – you can also use this trick when you’re packing for a holiday. Use pillowcases as dust bags You reach up to pull a leather purse or suede shoes down from a shelf. Of course, the item is dusty and now you have to clean it. Save yourself the time and hassle next time by storing infrequently used items in a pillowcase. They’ll be clean and ready to use when the occasion arises. Wash your delicates in a pillowcase Jumpers and pantyhose can get pulled out of shape when they twist around in the washer. To protect these garments during washing, toss them into a pillowcase and close with string or rubber band. Set the machine on the delicate setting, add the soap, and worry not about knots. Machine-wash stuffed animals in pillowcases Your child’s favourite stuffed animal is cute, but mighty dusty. Time for a bath! Place it in a pillowcase and put it in the washer. The pillowcase will ensure it gets a gentle but thorough wash. If any parts fall off the stuffed animal, it’ll be caught in the pillowcase so you can reattach them after the washing machine bath. Use a pillowcase to clear out cobwebs There’s a cobweb way up high in the corner of your dining room. Before you take a broom to it, cover the broom with an old pillowcase. Now you can wipe away the cobweb without scratching the wall paint. It’s also easier to remove the cobweb from the pillow than to pull it out of the broom bristles. Image credits: Getty Images This article originally appeared on <a href="https://www.readersdigest.co.nz/food-home-garden/home-tips/12-clever-uses-for-pillowcases-youll-wish-you-knew-sooner?pages=1" target="_blank" rel="noopener">Reader's Digest</a>.

Home & Garden

15 great kitchen hacks to extend the life of food and save on waste

If you’re sick of throwing food in the bin (and wasting money), try these simple tips to reduce your wastage in the kitchen. 1. Use food scraps to grow vegetables Save the odds and ends from veggies such as potatoes, sweet potatoes, leeks, spring onions, celery, bok choy, garlic and even onions. These can all be replanted in some soil and will grow back. Just don’t forget to water them. 2. Reheat leftover slices of pizza in a frying pan If you aren’t a fan of floppy microwaved pizza, just pop your pizza into a hot fry pan instead. Your crusts will stay crispy and it will heat through much faster than it would in the oven. 3. Bring stale potato chips back to life in the microwave If you left the bag open overnight, fear not. Pop your stale chips in the microwave on high for 10 seconds or until crisp. 4. Use leftover herbs to make herb butter If your herbs are on the turn, just chop them up and mix with some melted butter. Pop it into some ice cube trays and freeze. Then you can enjoy the perfect portion of herb butter to use on your steak or to make homemade garlic bread. 5. Keep bananas fresher by wrapping the tips If you want your bananas to last longer in the fruit bowl, just wrap their tips with some cling film. They should keep for around three to five days longer. 6. Keep greens fresher in foil Celery, broccoli, and lettuce all last much longer in the fridge if you wrap them in foil first. 7. Keep pineapples sweet by storing upside down The sugars in this fruit can all end up on the bottom after the time spent in transit. So keep your pineapple upside down when you get home and the sweetness will be redistributed evenly. 8. Use a glass to peel a mango You can use a glass to slide the skin off your mango. This will avoid wasting any fruit that you’d normally toss after peeling with a knife. 9. Make a two-ingredient Nutella milkshake When you need a sweet treat but you’re nearly out of Nutella, just add warm milk to the jar and shake well. 10. Avoid sprouting potatoes by storing them with apples The ethylene gas in the apples helps to stop your potatoes from sprouting. 11. Keep leftover avocado fresh by storing it with a sliced onion There is sulfur in the onion and this keeps the avocado from going brown. 12. Keep cake fresh by covering with sliced bread Cover the exposed cake with some bread held in place with toothpicks and it will stay soft. 13. Extend the life of your eggs with vegetable oil By rubbing the eggshells with vegetable oil it will keep them fresher in the fridge for three to four weeks. 14. Keep lettuce fresh by storing in a brown paper bag No more sad and limp leaves! Keep your lettuce wrapped in a brown paper bag in the fridge. Plus, keeping the outer layers in place even if they have gone brown will keep the inside fresher for longer. 15. Reuse coffee grounds in the garden Plants such as roses, hydrangeas, blueberries, raspberries, strawberries and tomatoes will all appreciate a liberal sprinkling of your used coffee grounds. Related links: <a href="http://www.oversixty.co.nz/lifestyle/home-garden/2015/12/stains-never-to-clean-with-water/">4 stains you shouldn’t use water to clean</a> <a href="http://www.oversixty.co.nz/lifestyle/home-garden/2015/12/household-tricks-from-the-1900s-2/">More great vintage household tricks from the 1900s</a> <a href="http://www.oversixty.co.nz/lifestyle/home-garden/2015/12/alternatives-to-wrapping-paper/">8 DIY alternatives to wrapping paper</a>

Home Hints & Tips

19 cruise hacks to make travel easy

Cruising can be wonderful. The wide-open space of the sea gives you time to relax and reconnect. You can tick off multiple destinations and only unpack once. But there are a few little tricks that cruise experts tell us will make your cruise even cruiser. Here’s the best tips we have uncovered. 1. Pack duct tape On occasion the cruise may hit rough seas. If drawers begin to open, or cabin items go rolling, grab your duct tape and secure them. 2. Pack balloons When our office manager told us to bring balloons on the cruise, we did think it was for a party. But in fact, she says that most cruise ships only have one or two hooks. Even the door handles don’t have surfaces for you to hang things. If you plan on doing washing in your room, then you can blow up the balloons and drape the clothes over them to dry. 3. Pack magnets Another way to get organised is to bring magnets with you. Many cabin walls are made from metal. So, head to the hardware store and grab a bunch of magnets. Then you can attach hooks or even stick up important notes and your itinerary on the wall. 4 Put your bag under the bed Normally when you travel, you stow the suitcase in the cupboard. Experts tell us that on a cruise, you should stow your bag under the bed. Wardrobe space is limited and storing your bag in there will reduce the space for clothes and shoes. 5. Steam your clothes Most cruise ships don’t have irons. Fire and cruising don’t go together. They don’t want to take any chances. But what about when you need to wear a fancy shirt or dress to dinner and it’s been wrinkled from packing? Use the steam from the shower. It will un-wrinkle your clothes in no time flat. Alternatively, we’ve been told that you can buy “de-wrinkle spray” for clothes. We haven’t tested it though, so we can’t guarantee this will work. 6. Bring a multi-charger or power board Most cruise cabins only have a few power points. These days most people travel with multiple devices. Grab a multi-charger and you can plug in multiple devices to the one power port. Or you can always bring a power board. 7. Pack a first aid kit Yes, they have first aid on the ship. Yes, they have shops. But save your money and pack medicines that you may be likely to use such as Panadol, gastro-stop, antihistamines and antiseptic cream in a first aid kit. 8. Bring a HDMI cable Love a great night in bed with a good film? Download them onto your laptop and you can use the HDMI cable to watch the films you want to see on the cabin’s TV. 9. Pack an extension cord As we said, cruise cabins often have limited power points and sometimes they are in annoying locations. If you want to use your laptop and it has run out of battery, you will thank us for telling you to pack an extension lead. 10. Buy in bulk This is one that surprised us. Apparently, some cruise lines give you a discount for buying drinks in bulk. Five beers for the price of four can save you $8 a round. Just pop the extra in the fridge for later. 11. Book excursions in advance A huge part of cruising is visiting the onshore destinations. If you plan on cruising on a large boat, make sure you book your on-shore excursions early. That way you can be sure that you will be going. There would be nothing worse than getting off the boat only to find out that the tour you want to do is all sold out. 12. Budget for excursions It seems obvious, but many first-time cruisers forget to factor in the added extras. Make sure you know which excursions you want to do and how much they cost. Then factor that into your budget. 13. Pack sticky notes Need to remember the departure time? What time the bar opens? Or the time you will have your massage? Bring sticky notes and make your own message board on the cabin wall. 14. Stay fit A lot of cruises have endless and bottomless food options. You will indulge. You will enjoy it. But maybe find some time to stay fit on board, even if it is just taking the stairs instead of the lift or swimming daily and doing early morning laps in the pool. 15. Pack ginger First-time cruiser? Not sure if you are going to get seasick? Ginger is your friend. Ginger helps ease seasickness. 16. Choose your cabin wisely Worried about seasickness? You are better off booking a lower deck room in the middle of the ship. Want a great view and never feel sick? Go for the upper deck edges. Whatever room you choose, think long and hard about what you really want to get out of the cruise. How long will you actually spend in the room? 17. Be hygienic Sickness can and does spread on ships. To avoid nasties, make sure you have good hygiene habits. Wash your hands properly and perhaps pack some hand sanitiser. 18. Notify the ship of any medical conditions Even if it is minor. In the event of an emergency, the staff will be the ones to help you. 19. Wear rubber shoes It can get slippery on board. Written by Alison Godfrey. Republished with permission of <a href="https://www.mydiscoveries.com.au/stories/travel-hacks-to-make-your-cruise-easier/">My Discoveries</a>. Images: Getty

Cruising

Over 60

News

Shop

Catalogues

Travel

Health

Lifestyle

Finance

Entertainment

Property

Information

Keep up to date

Search

Do red bags get loaded onto a plane first? Travel hack goes viral

Catriona Rowntree shares her Europe travel hacks she picked up from locals

The unique travel hack that is guaranteed to help beat jet lag

Vinegar and baking soda: a cleaning hack or just a bunch of fizz?

15 hacks that make running errands so much better

Could you cope with a shock to your bank balance? 5 ways to check you are financially resilient