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Elderly couple left stranded by cruise ship

<p>An elderly American couple was left behind by a Norwegian Cruise Line while on holiday in Spain this week. </p> <p>Richard and Claudene Gordon- aged 84 and 81 - were on a Mediterranean cruise aboard the Norwegian Viva with plans to celebrate Richard's birthday before things went downhill.</p> <p>The couple decided to take an independent excursion by themselves while the ship was docked in Motril, Spain, but on their return, their bus was delayed for an hour due to poor weather, so they ran late for the 5:30pm all-aboard time ahead of a scheduled 6pm departure.</p> <p>“I am a very experienced traveler and have probably been on as many as 30 cruises during my lifetime,” Richard told <em>CNN</em>. </p> <p>“Never before have we ever missed catching a ship on time at a port. So we are not someone who abuses the system.”</p> <p>Richard claimed that at 5:45pm they notified a relative on board who raised the alarm that they were nearby and running late, but nothing could be done at that point as the ship had to leave on time. </p> <p>By the time the couple arrived at 6:10pm, the boat had left the harbour, but Richard claimed that the cruise line had a tendency to depart behind schedule, and made no attempt to contact them until  late Tuesday. </p> <p>“Our cruise began in Lisbon and we departed from Lisbon about one and a half hours after the scheduled departure at 4pm,” he claimed.</p> <p>“Then the next night or two, at least a half-hour late from the dock, so it is clear that they do not always leave on the exact moment scheduled.”</p> <p>The couple were left stranded without their medication, eyeglasses and spare hearing aid batteries, which were left on board. </p> <p>Their daughter ended up having to book her parents a flight to Palma de Mallorca, where the boat was making its next call Wednesday morning, according to the publication. </p> <p>By the time the couple got to Mallorca, they were met with "a beautiful black BMW limousine" which took them back to their ship. </p> <p>"There we were met by the head of ship services who escorted us inside the ship to meet the general manager of the ship, then they escorted us to breakfast, then they escorted us to our cabin.They said they have already complained about the harbour master who was supposed to take care of things for them.</p> <p>"But of course the ship had not contacted us directly for two days so that doesn’t speak so well for them.”</p> <p>The Norwegian Cruise Line disputed the couple’s account of what happened.</p> <p>“After several attempts to contact these guests with the phone numbers provided, as well as trying to phone their emergency contact, we were unable to speak to them directly. However, we worked closely with the local port agents to make arrangements for the guests to rejoin the vessel,” a spokesperson said. </p> <p>“It is important to note that a delayed departure has the potential to impact the ship’s ability to deliver its planned itinerary and thus influence the experience for all guests on-board. While this was a very unfortunate situation, guests are responsible for ensuring they return to the ship at the published time.”</p> <p><em>Image: Getty</em></p> <p> </p>

Travel Trouble

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Julie Goodwin shares her top tips for perfect potatoes every time

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

Food & Wine

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

<p><em><a href="https://theconversation.com/profiles/bomikazi-zeka-680577">Bomikazi Zeka</a>, <a href="https://theconversation.com/institutions/university-of-canberra-865">University of Canberra</a></em></p> <p>Every day seems to bring new headlines about rising costs. <a href="https://www.news24.com/news24/africa/news/nigerias-big-unions-call-indefinite-strike-over-fuel-prices-and-the-cost-of-living-20230926">In Nigeria</a>, unions are threatening to strike amid soaring fuel prices; the country’s inflation rate <a href="https://www.cbn.gov.ng/rates/inflrates.asp">hit 25%</a> in August. The amount it costs to fill a food basket in South Africa <a href="https://pmbejd.org.za/wp-content/uploads/2023/09/PMBEJD_Key-Data_September-2023_27092023.pdf">keeps climbing</a>. Ghanaians <a href="https://www.reuters.com/world/africa/multi-day-protests-over-economic-crisis-grip-ghanas-capital-2023-09-23/">took to the streets</a> of Accra in late September to protest about the cost of living.</p> <p>A <a href="https://www2.deloitte.com/us/en/insights/industry/retail-distribution/consumer-behavior-trends-state-of-the-consumer-tracker.html">recent study by the audit and consulting firm Deloitte</a> found that 75% of South Africans were concerned that the prices for everyday purchases would continue to increase, while 80% of consumers across all income groups expected the prices of groceries, household utilities and fuel to rise.</p> <p>This stark reality means budgeting may be more necessary than ever.</p> <p>If you don’t know how to create a budget, then you shouldn’t feel bad – most adults aren’t taught how to create one. And most people don’t budget, because they see it as restrictive or unsustainable. But it need not be: once you appreciate that a budget can work for you, it can be a financially empowering exercise. It’s a cornerstone of financial planning because it ensures you are living within your means and helps you remain in financial control.</p> <p>As a financial planning academic, I focus in <a href="https://researchprofiles.canberra.edu.au/en/persons/bomikazi-zeka/publications/">my research</a> on improving financial wellbeing and promoting savings behaviours through interventions such as budgeting. Here are five guidelines for creating a budget.</p> <h2>1. Apps vs spreadsheet</h2> <p>A good place to start is to choose the format of how you’re going to budget. There are several <a href="https://www.sanlamreality.co.za/wealth-sense/setting-up-a-family-budget-that-works/">online templates</a> and apps you can use for budgeting. For instance, <a href="https://www.22seven.com/">22Seven</a> has gained popularity in South Africa due to its compatibility with several financial institutions, including the country’s big five banks. Similarly, <a href="https://www.the-star.co.ke/business/kenya/2021-01-25-budgeting-using-mint-app/">Mint</a> is a popular budgeting tool that is used in Kenya and Nigeria.</p> <p>If you prefer to put pen to paper, some online templates come with <a href="https://www.wonga.co.za/blog/free-budget-template">free printable budgets</a>. Creating your own <a href="https://create.microsoft.com/en-us/learn/articles/how-to-make-excel-budget">Excel spreadsheet</a> is an equally good approach.</p> <p>What matters most is using a tool that you can commit to.</p> <h2>2. Itemising your income and expenses</h2> <p>A budget essentially shows how much you’re spending in relation to how much you’re earning. So once you have selected your budgeting tool, you need to fill in your income and itemise how much you’re spending on each expense in a month. A budget can be considered a cashflow statement because it allows you to track money coming in (income) and money going out (expenses).</p> <p>If you are living within your means, your budget should indicate a surplus – more cash inflows than cash outflows. So budgeting provides an accurate account of your short-term financial position.</p> <h2>3. A realistic account of expenses</h2> <p>When you look at your financial statements, fill your expenses into your budget honestly and accurately. Don’t cheat! Since everyone’s financial situation is different, your budget will also be unique.</p> <p>Even though there is no one-size-fits-all approach to budgeting, it should still consider all of your expenses (both regular and intermittent). A general rule of thumb is that if it’s deducted from your account then you should treat it as an expense. This includes payments for housing, medical insurance, fuel, dining out, credit card repayments and even bank fees.</p> <h2>4. Save first, spend later</h2> <p>Now you’ve seen how much you’re spending. Either it’s too much – and you can plan where to cut back – or you have savings at the end of the month.</p> <p>When compiling your budget it’s important to demarcate how much will be in the form of savings. What’s more important is getting into the habit of saving before you spend instead of saving after spending. If you spend first then you’ve deprived yourself of the opportunity to save for a rainy day.</p> <p>Furthermore, <a href="https://eprints.hud.ac.uk/id/eprint/10231/1/Microsoft_Word_-_submitted_version_3rd_June_201.pdf">research</a> has shown that getting into the habit of saving has a transgenerational effect: it can be considered a cultural value that is passed on from one generation to another. So think of saving as paying yourself first. Once you have done so, you won’t feel guilty for treating yourself because you’ve already done the financially responsible thing by putting your savings aside.</p> <h2>5. Considering assets and liabilities</h2> <p>Once you’ve become comfortable with consistently budgeting, you can take it up a notch by including your assets (everything you own with an economic value) and liabilities (everything you owe) to determine your overall financial position.</p> <p>You can get a clearer picture of your overall financial wellbeing by compiling a list of all your assets, for example your savings and <a href="https://www.investopedia.com/terms/h/home_equity.asp">home equity</a>, in relation to liabilities (such as bank loans). Knowing your long-term financial position can indicate how financially resilient or vulnerable you are. In the event of a financial emergency, you will know which resources you can draw upon to meet an unexpected expense.</p> <p>By creating a budget (and sticking to it), you can protect yourself and your household from financial shocks. Consider the alternative. Imagine you haven’t budgeted and set savings aside. If a financial emergency were to arise, your next best bet would be to borrow the funds you need. You’d have to come up with a plan to repay what you’d borrowed while also building your savings.</p> <h2>A healthy habit</h2> <p>Getting into the habit of budgeting isn’t easy, especially if you haven’t done it before or you’re intimidated by the process. But, as the expression goes, “a journey of a thousand miles begins with a single step”. Think of budgeting as taking a small but important step towards reclaiming control over your finances and improving your financial well-being.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/214861/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em><a href="https://theconversation.com/profiles/bomikazi-zeka-680577">Bomikazi Zeka</a>, Assistant Professor in Finance and Financial Planning, <a href="https://theconversation.com/institutions/university-of-canberra-865">University of Canberra</a></em></p> <p><em>Image credits: Getty Images </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/battling-to-make-ends-meet-financial-planning-expert-offers-5-tips-on-how-to-build-your-budget-214861">original article</a>.</em></p>

Money & Banking

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As you travel, pause and take a look at airport chapels

<p><em><a href="https://theconversation.com/profiles/wendy-cadge-343734">Wendy Cadge</a>, <a href="https://theconversation.com/institutions/brandeis-university-1308">Brandeis University</a></em></p> <p>Flying home? It is very likely there is a chapel or meditation room tucked away somewhere in one of the airports you’ll pass through. <a href="http://www.pewresearch.org/fact-tank/2015/07/06/most-of-the-busiest-u-s-airports-have-dedicated-chapels/">Sixteen of the country’s 20 largest airports</a> have chapels, as do many more around the world.</p> <p>I am a <a href="http://www.wendycadge.com/">sociologist</a> of contemporary American religion and have written <a href="http://www.wendycadge.com/publications/airport-chapels-and-chaplains/">two recent articles</a> about airport chaplains and chapels. My interest in airport chapels started as simple curiosity – why do airports have chapels and who uses them? After visiting a few – including the chapel at Logan, my home airport here in Boston – I have concluded that they reflect broader changing norms around American religion.</p> <h2>How airports came to have chapels</h2> <p>The country’s first airport chapels were intended for staff rather than passengers and were established by Catholic leaders in the 1950s and 1960s to make sure their parishioners could attend mass.</p> <p>The first one in the U.S., Our Lady of the Airways, was built by Boston Archbishop Richard J. Cushing at Logan airport in 1951 and it was explicitly meant for people working at the <a href="https://doi.org/10.1093/socrel/srx025">airport</a>. A neon light pointed to the chapel and souvenir cards handed out at the dedication read, “We fly to thy patronage, O Holy Mother of God; despise not our petitions in our necessities, but deliver us away from all dangers, O glorious and blessed virgin.”</p> <p>Our Lady of the Airways inspired the building of the country’s second airport chapel, Our Lady of the Skies at what was then Idlewild – and is today John F. Kennedy airport in New York City.</p> <p>Protestant chapels came later. The first was in New York – again at JFK. It was designed in the shape of a Latin cross and was joined by a Jewish synagogue in the 1960s. These chapels were located at a distance from the terminals: Passengers wishing to visit them had to go outside. They were <a href="https://books.google.com/books/about/Exploring_Interfaith_Space.html?id=on5YNwAACAA">later razed</a> and rebuilt in different area of JFK.</p> <p>In the 1970s and 1980s, Protestant chapels opened in Atlanta, and in several terminals of the Dallas airport in Texas.</p> <h2>Becoming more inclusive</h2> <p>By the 1990s and 2000s, single faith chapels had become a <a href="http://www.tciarchive.org/4534.article">“dying breed.”</a> Most started to welcome people from all religions. And many were transformed into spaces for reflection, or meditation for weary travelers.</p> <p>The chapel at San Francisco International Airport, for example, known as the <a href="https://www.flysfo.com/content/berman-reflection-room-0">Berman Reflection Room</a> for Jewish philanthropist Henry Berman who was a former president of the San Francisco Airport Commission, looks like a quiet waiting room filled with plants and lines of connected chairs. A small enclosed space without any religious symbols or obvious connections to things religious or spiritual is available for services.</p> <p>The scene at the <a href="http://www.atlchapel.org/">Atlanta</a> airport chapel is similar, with only a few chairs and clear glass entrances, to provide space for quiet reflection.</p> <p>Some airports, such as JFK, continue with their “Our Lady” names, indicating their faith-based origins.</p> <p>Others include religious symbols and objects from a range of religious traditions. The chapel in <a href="https://cltairportchapel.org/">Charlotte</a>, North Carolina, for example, has multiple religious texts alongside prayer rugs, rosary beads and artistically rendered quotes from the world’s major religions.</p> <p>Pamphlets on topics ranging from grief to forgiveness are available for visitors to take with them at the Charlotte airport.</p> <h2>Different airports, different rules</h2> <p>As these examples show, <a href="https://doi.org/10.1093/socrel/srx025">no two airports</a> have negotiated chapel space in the same way. What is permissible in one city is often not in another. Often, it is local, historical and demographic factors, including the religious composition of the region, that influence decisions. These could even be based on who started the chapel, or how much interreligious cooperation there is in a city.</p> <p>Certain airports such as Chicago’s <a href="http://www.airportchapels.org/">O'Hare</a> have strict rules regarding impromptu religious gatherings whether inside the chapel or out. Some use their public address systems to announce religious services. Others prohibit such announcements and do not even allow airport chaplains to put out any signs that could indicate a religious space.</p> <p>If they are included in airport maps, chapels tend to be designated by the symbol of a person bent in prayer. But even then, they can be difficult to spot. About half of the existing chapels are on the pre-security side of the airport and the other half accessible only after passengers pass through security.</p> <p><a href="https://doi.org/10.1093/socrel/srx025">Only four large American airports</a> – Las Vegas, Los Angeles, Philadelphia and New York’s LaGuardia – do not have chapel spaces, although opening such a space is under consideration. In the interim, at LaGuardia, a Catholic chaplain holds mass in a conference room.</p> <h2>What’s the future?</h2> <p>The reasons for these spaces and their variations are idiosyncratic and intensely local. These chapels reveal a range of approaches to contemporary American religion and spirituality.</p> <p>So on your travels, keep an eye out for these chapels. Note their similarities and differences and recognize how important local histories are to how church-state issues are resolved – at airports and beyond.<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/87578/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em><a href="https://theconversation.com/profiles/wendy-cadge-343734">Wendy Cadge</a>, Professor of Sociology and Women's, Gender and Sexuality Studies, <a href="https://theconversation.com/institutions/brandeis-university-1308">Brandeis University</a></em></p> <p><em>Image credits: Getty Images </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/as-you-travel-pause-and-take-a-look-at-airport-chapels-87578">original article</a>.</em></p>

Travel Tips

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Does hosting the Olympics, the World Cup or other major sports events really pay off?

<p><em><a href="https://theconversation.com/profiles/ivan-savin-678930">Ivan Savin</a>, <a href="https://theconversation.com/institutions/escp-business-school-813">ESCP Business School</a></em></p> <p>After a long battle, <a href="https://www.france24.com/en/europe/20240213-paris-booksellers-stay-olympics-macron-bouquiniste-france">Paris’s beloved <em>bouquinistes</em> will be staying put</a> this summer. The decision, announced on 13 February by the French government, came after considerable public backlash to the police prefecture’s original plan to move part of the iconic Seine booksellers elsewhere for the inauguration of the Olympics Games on 26 July.</p> <p>Meanwhile, less than six months away from the event, Parisians continue to grumble over a <a href="https://www.ouest-france.fr/jeux-olympiques/cest-aberrant-ce-maire-vient-dapprendre-que-sa-ville-accueillera-les-jeux-de-paris-ab1fa968-cfd1-11ee-89c0-6cefac77e04a">lack of consultations</a> with locals, warnings of <a href="https://www.rfi.fr/en/france/20231130-paris-vehicle-traffic-to-be-heavily-restricted-during-2024-olympic-games">gridlocked traffic</a>, closed metro stations, extensive video surveillance and other grievances. So for host countries, what was the point of the Olympics, again?</p> <p>In academia, the debate about the potential positive and negative effects of large-scale sporting events is ongoing. Although these events are often associated with substantial economic losses, the long-term benefits are the main argument in favour of hosting them. These include the development of material and soft infrastructure such as hotels, restaurants or parks. Big games can also help put the host region on the map as an attractive place for sports and cultural events, and inspire a better entrepreneurial climate.</p> <h2>The pros and the cons of big sporting events?</h2> <p>The cost of these benefits, as the Parisians have realised, is steep. Host countries appear to suffer from increased tax burdens, low returns on public investments, high construction costs, and onerous running cost of facilities after the event. Communities can also be blighted by noise, pollution, and damage to the environment, while increased criminal activity and potential conflicts between locals and visitors can take a toll on their quality of life. As a result, in the recent past several major cities, including Rome and Hamburg, <a href="https://www.dw.com/en/6-cities-that-rejected-the-olympics/a-46289852">withdrew their bids to host the games</a>.</p> <p>A common feature of the economics of large-scale sporting events is that our expectations of them are more optimistic than what we make of them once they have taken place. Typically, expenditure tends to tip over the original budget, while the revenue-side indicators (such as the number of visitors) are rarely achieved.</p> <p>When analysing the effect of hosting large-scale sporting events on tourist visits, it is important to take into consideration both the positive and negative components of the overall effect. While positive effects may be associated with visitors, negative effects may arise when “regular” tourists refuse to visit the location due to the event. This might be because of overloaded infrastructure, sharp increases in accommodation costs, and inconveniences associated with overcrowding or raucous or/and violent visitors. On top of that, reports of poverty or crime in the global media can actually undermine the location’s attractiveness.</p> <h2>When big sporting events crowd out regular tourists</h2> <p>In an <a href="https://doi.org/10.1177/1527002523120639">article published in the <em>Journal of Sports Economics</em></a> with Igor Drapkin and Ilya Zverev, I assess the effects of hosting large-scale sporting events, such as Winter and Summer Olympics plus FIFA World Cups, on international tourist visits. We utilise a comprehensive dataset on flow of tourists covering the world’s largest destination and origin countries between 1995 and 2019. As a first step, we built an econometric model that effectively predicts the flow of tourists between any pair of countries in our data. Subsequently we compared the predicted tourist inflow in a hypothetical scenario where no large-scale sporting event would have taken place with the actual figures. If the actual figures exceed the predicted ones, we consider the event to have a net positive impact. Otherwise, we consider that it had a “crowding out” effect on “regular” tourists. While conducting this analysis, we distinguished between short-term (i.e., focusing just on the year of the event) and mid-term (year of the event plus three subsequent years).</p> <p>Our results show that the effects of large-scale sporting events vary a lot across host countries: The World Cup in Japan and South Korea 2002 and South Africa 2010 were associated with a distinct increase in tourist arrivals, whereas all other World Cups were either neutral or negative. Among the Summer Olympics, China in 2008 is the only case with a significant positive effect on tourist inflows. The effects of the other four events (Australia 2000, Greece 2004, Great Britain 2012, and Brazil 2016) were found to be negative in the short- and medium-term. As for the Winter Olympics, the only positive case is Russia in 2014. The remaining five events had a negative impact except the one-year neutral effect for Japan 1998.</p> <p>Following large-scale sporting events, host countries are therefore typically less visited by tourists. Out of the 18 hosting countries studied, 11 saw tourist numbers decline over four years, and three did not experience a significant change.</p> <h2>The case for cautious optimism</h2> <p>Our research indicates that the positive effect of hosting large-scale sporting events on tourist inflows is, at best, moderate. While many tourists are attracted by FIFA World Cups and Olympic games, the crowding-out effect of “regular” tourists is strong and often underestimated. This implies that tourists visiting for an event like the Olympics typically dissuade those who would have come for other reasons. Thus, efforts to attract new visitors should be accompanied by efforts to retain the already existing ones.</p> <p>Large-scale sporting events should be considered as part of a long-term policy for promoting a territory to tourists rather than a standalone solution. Revealingly, our results indicate that it is easier to get a net increase in tourist inflows in countries that are less frequent destinations for tourists – for example, those in Asia or Africa. By contrast, the United States and Europe, both of which are traditionally popular with tourists, have no single case of a net positive effect. Put differently, the large-scale sporting events in Asia and Africa helped promote their host countries as tourist destinations, making the case for the initial investment. In the US and Europe, however, those in the last few decades brought little return, at least in terms of tourist inflow.<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/222118/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em><a href="https://theconversation.com/profiles/ivan-savin-678930">Ivan Savin</a>, Associate professor of quantitative analytics, research fellow at ICTA-UAB, <a href="https://theconversation.com/institutions/escp-business-school-813">ESCP Business School</a></em></p> <p><em>Image credits: Getty Images </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/does-hosting-the-olympics-the-world-cup-or-other-major-sports-events-really-pay-off-222118">original article</a>.</em></p>

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5 tips to keep your dog happy when indoors

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

Family & Pets

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

<p dir="ltr">Experts have revealed how to beat jet lag on your next overseas holiday, and it all comes down to your modes of transport. </p> <p dir="ltr">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.</p> <p dir="ltr">Some experts say to avoid travelling by plane all together, and always opt for cruising holidays instead. </p> <p dir="ltr">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.</p> <p dir="ltr">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.</p> <p dir="ltr">"As a general rule, you want to get lots of bright light exposure during the daytime and avoid light at night," Browning said.</p> <p dir="ltr">"When travelling on a cruise ship, you will naturally get a lot of bright light exposure during the day, helping your circadian rhythm.”</p> <p dir="ltr">"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."</p> <p dir="ltr">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. </p> <p dir="ltr"><em>Image credits: Getty Images</em></p>

Travel Tips

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Flight attendant reveals how to score a free upgrade

<p dir="ltr">A flight attendant has shared her number one trick for securing an upgrade on your next plane journey. </p> <p dir="ltr">American flight attendant Cierra Mistt revealed the one question you should ask at check-in to score an upgrade to first class, with the hack working almost every time.</p> <p dir="ltr">Mistt started her now-viral video by saying her hack to get a free upgrade was top secret. </p> <p dir="ltr">“Let’s look at the big picture. Everyone is flying right now, and no one is more excited about that than commercial airlines,” she said.</p> <p dir="ltr">“The majority of airlines are overbooking every single flight they have.”</p> <p dir="ltr">“It comes from the last month of me trying to get home and not even being able to get on standby because every single flight has been oversold,” she said.</p> <p dir="ltr">“I am not talking about one or two seats. I am talking about 10-30 seats that have been oversold.”</p> <p dir="ltr">Mistt said this overselling of flights presents an opportunity to travellers.</p> <p dir="ltr">“If everyone does show up, including the extra passengers that were oversold their tickets, the airlines have no choice but to financially compensate,” she said.</p> <p dir="ltr">The flight attendant shared that airlines “normally start off with vouchers for $500 or something”.</p> <p dir="ltr">“Normally they say a voucher but you can ask for it in cash,” she said.</p> <p dir="ltr">“Depending on the flight and how desperate they are, they will go up to, like three, four, five thousand dollars.”</p> <p dir="ltr">“This is where the free upgrades come in.”</p> <p dir="ltr">Mistt said not only could you ask for a free upgrade in such circumstances, but you could “also ask for other incentives”.</p> <p dir="ltr">“For example, drinks, dinners, breakfast, even a hotel if you have to stay overnight until the next flight,” she said.</p> <p dir="ltr">“And, yes, you can also ask to be upgraded to first class.”</p> <p dir="ltr">Her video received more than a million views, with people praising the hack and sharing how it has worked for them. </p> <p dir="ltr">“I got upgraded to first class by doing this,” said one person. </p> <p dir="ltr"><em>Image credits: TikTok / Getty Images</em></p>

Travel Tips

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

<p><em><a href="https://theconversation.com/profiles/juliana-s-oliveira-709434">Juliana S. Oliveira</a>, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a>; <a href="https://theconversation.com/profiles/anne-tiedemann-409380">Anne Tiedemann</a>, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a>; <a href="https://theconversation.com/profiles/cathie-sherrington-561141">Cathie Sherrington</a>, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a>, and <a href="https://theconversation.com/profiles/leanne-hassett-1497197">Leanne Hassett</a>, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a></em></p> <p>Daylight saving ends this weekend. The days are shorter and getting colder. It’s less appealing to cycle to work, walk after dinner, or wake up early to hit the gym. But we all know daily physical activity is essential for our health and wellbeing.</p> <p>Physical activity releases feel-good neurotransmitters in our brains, which help to alleviate <a href="https://bjsm.bmj.com/content/57/18/1203">stress, anxiety, and depression</a>. It also helps <a href="https://www.cdc.gov/chronicdisease/resources/infographic/physical-activity.htm#:%7E:text=Regular%20physical%20activity%20helps%20improve,depression%20and%20anxiety%2C%20and%20dementia.">prevent diseases</a> such as diabetes, heart disease and some cancers. Regular physical activity can prolong life and improve overall quality of life.</p> <p>However, many of us find it difficult to achieve the <a href="https://bjsm.bmj.com/content/54/24/1451">recommended 150 minutes of moderate intensity physical activity</a> each week. In fact, three out of ten Australians and half of Australians aged 65 and over are <a href="https://www.aihw.gov.au/reports/physical-activity/physical-activity">inactive</a>.</p> <p>So, what can you do to stay motivated and keep moving regularly through the darker months? Here are some tips.</p> <h2>1. Nail those goals</h2> <p>Goals can provide us with a sense of purpose, meaning and direction. But just aiming to “get fit” is less likely to cut it than goals that are SMART: specific, measurable, achievable, realistic and time-bound.</p> <p><strong>Specific</strong> goals are based on an observable behaviour or activity, such as step count, yoga, or competing in an event.</p> <p><strong>Measurable</strong> goals can be tracked, so you can easily tell whether you have ticked them off.</p> <p><strong>Achievable</strong> goals are realistic and based on your current fitness and abilities. But they can and should still be challenging. If you’ve only ever run 5 kilometres, it won’t be realistic to aim for a half marathon in the next month. But you could aim for 10 kilometres.</p> <p><strong>Relevant</strong> goals hold personal meaning for you. Articulating why it’s important will help motivate you to do it.</p> <p><strong>Time-bound</strong> goals include a target date for achieving them. You can always revisit your deadline if you’re ahead of schedule or if it’s too unrealistic.</p> <p>An example of a SMART goal could be: “I will walk 10,000 steps every weekday within a month.” Then you can break it down into short-term goals to make it more achievable. If you currently walk 6,000 steps each day, you can increase steps by 1,000 every week to reach 10,000 by the end of the month.</p> <h2>2. Keep track</h2> <p>More than <a href="https://www.deloitte.com/au/en/Industries/tmt/blogs/digital-consumer-trends-who-is-purchasing-what-now.html">90% of Australians own a smartphone</a> and more than <a href="https://www.deloitte.com/au/en/Industries/telecom-media-entertainment/blogs/digital-consumer-trends-touch-less-healthier-wiser.html">two in ten own a fitness tracker or a smartwatch</a>. These devices can help you track your goals and activity, keep you accountable and increase your motivation.</p> <p>A 2021 systematic review suggests fitness trackers and smartphone apps <a href="https://bjsm.bmj.com/content/55/8/422">can assist people</a> to increase their step count by up to 2,000 steps per day. <a href="https://bjsm.bmj.com/content/54/20/1188">Our research</a> demonstrated fitness trackers can also be helpful in increasing physical activity among older people. If you don’t have a fitness tracker, you can buy low-cost pedometers or track your activity times using paper and pen.</p> <h2>3. Plan for success but prepare for barriers</h2> <p>Take some time to think about the potential barriers that could prevent you from being active and plan solutions to overcome them.</p> <p>For example, if the cost of physical activity is too high for you, try to find options that are free, such as walking or running. You can also consider free online programs or streaming videos.</p> <p>If you find it difficult to fit exercise into your busy schedule, try exercising early in the morning before you start your day and laying out your workout clothes the night before. You could consider joining a gym with flexible timetables. A good strategy is to try to fit physical activity into your daily routine, such as walking or cycling to work.</p> <p>If you are living with a chronic health condition or disability, consider seeking guidance from a health professional such as an <a href="https://www.essa.org.au/Public/SearchAEP.aspx?WebsiteKey=44cfee74-3fc3-444e-bb5f-77729c390872">exercise physiologist</a> or <a href="https://choose.physio/find-a-physio">physiotherapist</a>. Start slow and gradually increase your activity and find something you enjoy so you are more likely to keep doing it.</p> <h2>4. Team up with a workout friend</h2> <p>Physical activity can be more fun when you do it with someone else. Studies show <a href="https://www.sciencedirect.com/science/article/abs/pii/S0167494322002953?via%253Dihub&amp;sa=D&amp;source=docs&amp;ust=1712015093947627&amp;usg=AOvVaw1XGQBMDMFspL5YrQtKo3h">working out with friends can be more motivating and enjoyable</a>. It can also help with accountability, as some people are more likely to show up when they have a workout partner. So, <a href="https://www.thelancet.com/journals/lancet/article/PIIS0140-6736(13)60407-9/fulltext">find a friend</a> who supports your goal of being more active or maintaining your current activity levels.</p> <h2>5. Plan yourself a little treat</h2> <p>Make an appointment with yourself in your diary to exercise. Approach it as just as important as meeting a friend or colleague. One idea is to delay something you’d rather do and make it a reward for sticking to your activity appointment. If you really want to go out for coffee, do a hobby, or watch something, go for a walk first.</p> <p>Research shows <a href="https://www.nature.com/articles/s41746-019-0164-3">incentives can dramatically increase physical activity levels</a>.</p> <h2>6. Find a coach</h2> <p>If you want more support, <a href="https://bjsm.bmj.com/content/51/19/1425">health coaching</a> might be an option.</p> <p>Trained professionals work one-on-one with people, sometimes via telehealth, to find out what’s reducing their motivation to make healthier choices, such as exercise. Then they employ behaviour change techniques to help them meet their health goals.</p> <p>Our recent research suggests health coaching can improve physical activity in <a href="https://bjsm.bmj.com/content/58/7/382">older people</a> and those with <a href="https://www.sciencedirect.com/science/article/pii/S183695532400002X">chronic pain</a>. In <a href="https://www.gethealthynsw.com.au/#:%7E:text=About%20the%20Get%20Healthy%20Service&amp;text=Delivered%20by%20NSW%20Health%2C%20the,and%20achieve%20your%20health%20goals">New South Wales</a>, <a href="https://lifeprogram.org.au/">Victoria</a> and <a href="https://www.myhealthforlife.com.au/">Queensland</a>, these sessions are government-subsidised or free.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/226619/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em><a href="https://theconversation.com/profiles/juliana-s-oliveira-709434">Juliana S. Oliveira</a>, Postdoctoral Research Fellow, Physical Activity, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a>; <a href="https://theconversation.com/profiles/anne-tiedemann-409380">Anne Tiedemann</a>, Professor of Physical Activity and Health, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a>; <a href="https://theconversation.com/profiles/cathie-sherrington-561141">Cathie Sherrington</a>, Professor, Institute for Musculoskeletal Health, School of Public Health, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a>, and <a href="https://theconversation.com/profiles/leanne-hassett-1497197">Leanne Hassett</a>, Associate Professor in Physiotherapy, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a></em></p> <p><em>Image credits: Getty Images </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/days-are-getting-shorter-and-colder-6-tips-for-sticking-to-your-fitness-goals-226619">original article</a>.</em></p>

Body

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The key decision that led to cruise passengers being abandoned by ship

<p>A group of travellers, including two Australians, have been left stranded in Africa after their cruise ship allegedly refused to let them board the ship after a day trip. </p> <p>Eight passengers were among the many cruisers who disembarked the Norwegian Dawn at São Tomé and Príncipe, an island nation of 220,000 people off the west coast of Africa in the Gulf of Guinea, last Wednesday. </p> <p>The group of eight passengers took off on a private day tour, that reportedly wasn't organised through the cruise company. </p> <p>Things turned sour when the group were delayed on their day trip, with their tour operator allegedly connecting with the captain to tell the cruise the eight passengers would arrive later than their 3pm curfew. </p> <p>When the group arrived to the port, the ship was still anchored, but American couple Jill and Jay Campbell said the captain allegedly refused to let them on board.</p> <p>According to cruise ship lawyer Spencer Aonfeld, the group's big mistake was not booking the tour through the cruise company, as private tours come with a huge risk. </p> <p>Weighing into the drama on TikTok, Mr Aonfeld said, “Eight passengers were left behind when their cruise ship left them because they were delayed in an excursion apparently conducted without buying it directly through Norwegian."</p> <p>“These passengers include elderly passengers, one apparently a paraplegic, one has a heart condition, they don't have their medication, money, passports, cell phones and other things — they’re just left behind."</p> <p>“That unfortunately, according to Norwegian and me is, one of the consequences you pay when you buy your excursions from someone other than the cruise line."</p> <p>“Now they’re left there having to come up with the means to travel back to the next port or home and forfeit the remaining potion of their cruise. Imagine trying to do that in Africa without a passport, money or medication — we wish them the very best.”</p> <p>In order to rejoin the cruise and be reunited with their valuables, the group is now trekking to a port in Senegal, where the cruise is set to dock on Tuesday. </p> <p>In a statement, Norwegian Cruise Lines said it was “in communication with the guests,” and was providing them with “additional information” to rejoin the cruise. </p> <p>“While this is a very unfortunate situation, guests are responsible for ensuring they return to the ship at the published time, which is communicated broadly over the ship’s intercom, in the daily communication and posted just before exiting the vessel,” NCL said in a statement.</p> <p>The company said it was “working closely with the local authorities” on how the guests might re-join the ship. </p> <p><em>Image credits: Getty Images / WRAL North Carolina </em></p>

Travel Trouble

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

<p><em><a href="https://theconversation.com/profiles/saman-khalesi-366871">Saman Khalesi</a>, <a href="https://theconversation.com/institutions/cquniversity-australia-2140">CQUniversity Australia</a></em></p> <p>Australians are <a href="https://www.retail.org.au/media/sweet-spending-boon-predicted-for-easter-retail">predicted</a> to spend around A$1.7 billion on chocolates, hot cross buns and other special foods this Easter season.</p> <p>Chocolate has a long history of production and consumption. It is made from cacao beans that go through processes including fermentation, drying, roasting and grounding. What is left is a rich and fatty liquor that is pressed to remove the fat (cocoa butter) and the cacao (or “cocoa”) powder which will then be mixed with different ingredients to produce dark, milk, white and other types of chocolates.</p> <p>There are several health benefits and potential problems that come in these sweet chocolatey packages.</p> <h2>The good news</h2> <p>Cacao beans contain <a href="https://foodstruct.com/food/cocoa-bean">minerals</a> like iron, potassium, magnesium, zinc and phosphorus and some vitamins. They are also rich in beneficial chemicals called <a href="https://pubmed.ncbi.nlm.nih.gov/23150750/">polyphenols</a>.</p> <p>These are great antioxidants, with the potential to <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC5465250/">improve heart health</a>, increase <a href="https://pubmed.ncbi.nlm.nih.gov/25164923/">nitric oxide</a> (which dilates blood vessels) and <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC3488419/">reduce blood pressure</a>, provide food for gut microbiota and <a href="https://www.mdpi.com/2072-6643/12/7/1908">promote gut health</a>, boost the <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC5465250/">immune system</a> and reduce inflammation.</p> <p>However, the concentration of polyphenols in the chocolate we eat depends largely on the cocoa solid amounts used in the final product.</p> <p>In general terms, the darker the chocolate, the more cocoa solids, minerals and polyphenols it has. For example, dark chocolates may have around <a href="https://www.tandfonline.com/doi/full/10.1080/10942912.2011.614984">seven times more polyphenols</a> compared to white chocolates and <a href="https://www.tandfonline.com/doi/full/10.1080/10942912.2011.614984">three times more polyphenols</a> compared to milk chocolates.</p> <h2>But also some bad news</h2> <p>Unfortunately, the <a href="https://theconversation.com/treat-or-treatment-chocolate-is-good-but-cocoa-is-better-for-your-heart-3084">health benefits of cocoa solids</a> are easily offset by the high sugar and fat content of modern-day chocolates. For example, milk and white chocolate eggs are on average 50% sugar, 40% fat (mostly saturated fats) – which means a lot of added kilojoules (calories).</p> <p>Also, there may be some side effects that come with ingesting chocolate.</p> <p>Cocoa beans include a compound called theobromine. While it has the anti-inflammatory properties responsible for some of the health benefits of chocolate, it is also a mild brain stimulant that acts in a similar way to caffeine. The mood boost it offers may also be partly responsible for how much we <a href="https://www.frontiersin.org/articles/10.3389/fphar.2015.00030/full?crsi=662496658&amp;cicada_org_src=healthwebmagazine.com&amp;cicada_org_mdm=direct">like chocolate</a>. Dark chocolate has higher theobromine compared to milk and white chocolate.</p> <p>But accordingly, overindulging in chocolate (and therefore theobromine) may lead to feeling restless, <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC3672386/">headaches</a> and nausea.</p> <h2>What else is in your chocolate?</h2> <p>Milk and dairy-based chocolates may also cause stomach upset, abdominal pain and bloating in people with <a href="https://dietitiansaustralia.org.au/health-advice/lactose-intolerance">lactose intolerance</a>. This happens when we don’t produce enough lactase enzymes to digest milk sugar (lactose).</p> <p>People with lactose intolerance can usually tolerate up to 6 grams of lactose without showing symptoms. Milk chocolate can have around <a href="https://www.ncbi.nlm.nih.gov/books/NBK310258/">3 grams of lactose</a> per 40 grams (the size of a standard chocolate bar). So two chocolate bars (or the equivalent in milk chocolate eggs or bunnies) may be enough to cause symptoms.</p> <p>It’s worth noting that lactase enzyme activity dramatically declines as we age, with the highest activity in newborns and children. So lactose sensitivity or intolerance may not be such an issue for your kids and your symptoms may increase over time. Genetics also plays a major role in how sensitive people are to lactose.</p> <p><a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC6815241/">Allergic reactions</a> to chocolate are usually due to the added ingredients or cross-contamination with potential allergens such as nuts, milk, soy, and some sweeteners used in the production of chocolate.</p> <p>Symptoms can be mild (acne, rashes and stomach pain) or more severe (swelling of the throat and tongue and shortness of breath).</p> <p>If you or your family members have known allergic reactions, make sure you read the label before indulging – especially in a whole block or basket of the stuff. And if you or your family members do experience symptoms of an allergic reaction after eating chocolate, <a href="https://www.betterhealth.vic.gov.au/health/conditionsandtreatments/allergic-reactions-emergency-first-aid">seek medical attention</a> immediately.</p> <h2>4 take home tips</h2> <p>So, if you are like me and have a weakness for chocolate there are a few things you can do to make the experience a good one.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/202848/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <ol> <li>keep an eye out for the darker chocolate varieties with higher cocoa solids. You may notice a percentage on labelling, which refers to how much of its weight is from cocoa beans. In general, the higher this percentage, the lower the sugar. White chocolate has almost no cocoa solid, and mostly cocoa butter, sugar and other ingredients. Dark chocolate has 50–100% cocoa beans, and less sugar. Aim for at least 70% cocoa</li> <li>read the fine print for additives and possible cross-contamination, especially if allergies might be an issue</li> <li>the ingredients list and nutrition information panel should tell you all about the chocolate you choosing. Go for varieties with lower sugar and less saturated fat. Nuts, seeds and dried fruits are better ingredients to have in your chocolate than sugar, creme, syrup, and caramel</li> <li>finally, treat yourself – but keep the amount you have within sensible limits!</li> </ol> <p><em><a href="https://theconversation.com/profiles/saman-khalesi-366871">Saman Khalesi</a>, Postdoctoral Fellow of the National Heart Foundation &amp; Senior Lecturer and Discipline Lead in Nutrition, School of Health, Medical and Applied Sciences, <a href="https://theconversation.com/institutions/cquniversity-australia-2140">CQUniversity Australia</a></em></p> <p><em>Image credits: Getty Images</em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/heres-why-having-chocolate-can-make-you-feel-great-or-a-bit-sick-plus-4-tips-for-better-eating-202848">original article</a>.</em></p>

Food & Wine

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Why you should travel solo this summer

<p><em><a href="https://theconversation.com/profiles/claire-mccamley-446927">Claire McCamley</a>, <a href="https://theconversation.com/institutions/university-of-huddersfield-1226">University of Huddersfield</a></em></p> <p>When you think about booking a summer holiday, you might think of trips with partners, friends or family. The idea of going on holiday alone can be daunting, or even unappealing. It raises all kinds of questions – who will you talk to? Who will you eat with? Will you be safe?</p> <p>There has long been a <a href="https://www.tandfonline.com/doi/abs/10.1080/0267257X.2015.1073170?journalCode=rjmm20">stigma against solo consumption</a>. Societal norms encourage us to be with someone – leisure experiences are billed as something to <a href="https://www.emerald.com/insight/content/doi/10.1108/IJCHM-06-2019-0584/full/pdf?title=dining-alone-improving-the-experience-of-solo-restaurant-goers">share with others</a>. There may also be a level of guilt or self-indulgence associated with solo travel, feeling as if you are shirking responsibility or abandoning time with family.</p> <p>An increase in <a href="https://www.euromonitor.com/article/single-person-households-to-record-128-percent-growth-by-2030">single-person households</a>, however, means the hospitality industry is now serving solo consumers in addition to families and couples. The continuously <a href="https://www.forbes.com/sites/adigaskell/2020/05/11/is-a-blurred-work-life-balance-the-new-normal/?sh=5c9db6341813">blurred line</a> between work and play, particularly for Millennials and younger generations, makes it easier to work remotely or travel as part of our jobs. We are more transient than ever, and have more opportunities to work and travel alone without feeling completely disconnected from the rest of our lives.</p> <p>In recent years, people have been <a href="https://www.telegraph.co.uk/travel/comment/whats-behind-the-rise-in-solo-travel/">increasingly</a> travelling alone – including younger vacationers. They also share their experiences to a large audience on social media – the hashtag #SoloTravel has over 7 million posts associated with it on Instagram. Solo travellers are taking part in the growing <a href="https://www.futuresplatform.com/blog/solo-economy-new-consumption-patterns">solo economy</a> – new products and services targeting the lone consumer.</p> <p>Hotels, <a href="https://www.ncl.com/uk/en/freestyle-cruise/solo-cruising">cruises</a>, restaurants, tourism <a href="https://www.flashpack.com/">companies</a> and festivals are showing how design, staff and technology can be tailored to accommodate – and even encourage – solo consumption in travel. <a href="https://journals.sagepub.com/doi/10.1177/14705931211017184">Our research</a> into the experience of solo consumers in coffee shops offers insight into how solo consumption can be as pleasurable and fulfilling as going with a partner or friend. Through <a href="https://www.research.ucsb.edu/sites/default/files/RD/docs/FREEWRITING-by-Peter-Elbow.pdf">freewriting</a> exercises, these consumers shared their own experiences. Their words offer some reasons you should try it too.</p> <h2>Be together, alone</h2> <p>Our research participants highlighted key factors that help them enjoy their solo experience – high seats and window views allowing them to sit back and observe others’ lives without any direct interaction or connection. You don’t need to arrive with others to feel part of a social environment. Alone in a crowded square or on a busy beach, the proximity of other people and their conversations can be a source of comfort, distraction or even entertainment.</p> <blockquote> <p>The seat is important -– I like the window especially a stool and “shelf” table facing out … I see people, imagine their lives, see cars and life pass by. I watch other customers, I watch the street out the window, the cliché of “watching the world pass by”. The setting, context and environment of the café are important to that moment of pause.</p> </blockquote> <h2>Take time for yourself</h2> <p>Being alone can be a <a href="https://journals.sagepub.com/doi/pdf/10.1177/14705931211017184">therapeutic experience</a>, a time to process thoughts, feelings and emotions and leave you ready to tackle the world again. Perhaps take time to write, draw or practice another creative activity in your own time. Bask in your own thoughts without feeling pressure to please anyone else or force a conversation.</p> <blockquote> <p>Sitting alone with my thoughts can be a comforting experience; picking a seat, getting comfy…I can find silence with my thoughts and don’t feel any pressure to act for anybody or involve myself in a conversation that doesn’t interest me.</p> </blockquote> <h2>Get out of your comfort zone</h2> <p>Being able to do your own thing, without needing to consider others can be relaxing and can also give you the opportunity to do something you’ve never done before, free of judgement. You might want to go to some sort of class, shop or have a complete chill-out day.</p> <p>Findings from our research indicate that time spent doing things alone can relieve some of the pressures that companions can bring. Alone time gives you the space to experience things in your own time and take in your surroundings without distraction. In doing this, you may find yourself in new situations, away from your comfort zone – an energising and enthralling experience.</p> <h2>Embrace solo traveller culture</h2> <p>Solo travellers have their <a href="https://www.sciencedirect.com/science/article/pii/S0278431921002516">own way of doing things</a>, they have a shared behaviour and process and often become a collective in themselves. They acknowledge the process of travelling alone and respect others doing the same, and may even seek out spaces to be alone, together. Solo travellers can engage in a shared experience and dialogue while maintaining their own individualism – helping each other when needed, but also leave one another alone.</p> <blockquote> <p>We search for places where we feel we fit … We are happy to smile at one another. We don’t need to chat to engage. We are happy on our own with a coffee. I am amongst my tribe.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/184000/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> </blockquote> <p><a href="https://theconversation.com/profiles/claire-mccamley-446927"><em>Claire McCamley</em></a><em>, Senior Lecturer in marketing, <a href="https://theconversation.com/institutions/university-of-huddersfield-1226">University of Huddersfield</a></em></p> <p><em>Image credits: Getty Images</em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/why-you-should-travel-solo-this-summer-184000">original article</a>.</em></p>

Travel Tips

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

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

Body

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Morbid reason why cruise ships throw "free ice cream parties" on board

<p>Dara Starr Tucker, a former cruise ship employee has shared the morbid reason why they throw “free ice cream parties” on board.</p> <p>Tucker, a singer who spent six months living on a cruise ship in the Mediterranean and the Caribbean 10 years ago, shared what life was like at sea. </p> <p>In one of her latest videos, she answered one of her follower's question asking whether it was true that if cruise staff started giving away ice cream, it meant that they needed more freezer space for a body.</p> <p>“This is unfortunately often true,” she said.</p> <p>“If the crew suddenly makes a bunch of ice cream available to passengers, ‘Free ice cream party’, it is often because more people have died on the ship than they have room for in the morgue.”</p> <p>She said that most large ships are legally required to maintain a morgue and carry body bags in the event a passenger dies mid-journey and added that she “thankfully” didn't have to deal with the "morbid stuff". </p> <p>“But we were friends with some crew members who did deal with it and they said maybe four to 10 people die every cruise,” she claimed.</p> <p>“There are a lot of older people on ships, and often (out of) a ship that carried maybe 2500 to 3000 passengers on a typical cruise, four to 10 people would die.</p> <p>“So the morgue, I believe they said held about seven people, and if more than seven people died on that particular ship, they would have to start moving bodies to the freezer.”</p> <p>She claimed that if employees would have to "make room for the extra bodies" in the freezer, they would have to take out everything including ice cream. </p> <p>Her video has been viewed over 2.3 million times, with many other cruise ship employees confirming her claims. </p> <p>“Cruise ship medic here. Can confirm the morgue and ice cream correlation,” one said.</p> <p>“Former sailor here — yes, it is accurate. Sometimes space needs to be made in the freezer," another added. </p> <p><em>Image: TikTok</em></p>

Travel Trouble

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Major Cruise line scraps entire season

<p>Virgin Voyages has cancelled all of its sailings in Australia and New Zealand for the next year after they were left with "no choice" in the wake of escalating tensions in the Red Sea.</p> <p>The Resilient Lady ship will not return Down Under for its promised second sailing season next summer due to safety concerns following a series of strikes on container ships in the Red Sea. </p> <p>The cruise line revealed on Tuesday that a lengthier alternative return route around Africa was not viable for the company. </p> <p>"On the heels of these recent changes and based on the regional and government advice we have received, we remain very concerned about potential escalations in the Red Sea over the next 12 months," <span style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;">a spokesperson from Virgin Voyages said. </span></p> <p>“This significant and ongoing conflict puts unacceptable risks for safe passage through the region for our Sailors, crew and vessel."</p> <p>“To say that we are disappointed to have come to this tough conclusion is an understatement.</p> <p>“These adjustments are happening now to minimise potential future disruption to our passengers’ holiday plans, knowing there is a high likelihood that changes would need to happen in the future.”</p> <p>The cancellations will impact customers with trips planned in late 2024 and early 2025 on repositioning voyages between Europe and Australia. </p> <p>Virgin Voyages have indicated that a return to Australian waters will remain a possibility, as they continue to look for available options.</p> <p>They also said that if the 2024/25 can go ahead, customers who had previously booked their holiday will be prioritised if they would like to re-book. </p> <p>Currently, impacted customers have the option to re-book a different trip or request a full refund. </p> <p>A few other cruise companies who operate seasonal sailings or world cruises through the Red Sea and Suez Canal have also had to cancel, reposition, or re-route their sailings. </p> <p>MSC have cancelled three repositioning sailings in April, while Cunard, Princess and Seabourn have re-routed their world cruises to avoid the Suez Canal.</p> <p><em>Image: Virgin Voyages</em></p> <p> </p>

Cruising

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

<p><em><a href="https://theconversation.com/profiles/oluwabunmi-adejumo-1370664">Oluwabunmi Adejumo</a>, <a href="https://theconversation.com/institutions/obafemi-awolowo-university-2843">Obafemi Awolowo University</a></em></p> <p>There’s nothing quite like a new year to prompt us to take stock of our lives, our health, our goals – and our finances. Many people will start a new year by contemplating how best to budget, plan and save. This is always a good set of aims, but it’s especially important in the inflation-prone and unpredictable economies we’re seeing <a href="https://www.statista.com/statistics/268225/countries-with-the-highest-inflation-rate/">all over Africa and the world</a>.</p> <p>Budgeting is especially key. It is the most effective method to <a href="https://www.thebalancemoney.com/how-to-make-a-budget-1289587">monitor income and expenditure</a>. <a href="https://www.uslendingcompany.com/blog/key-differences-in-writing-a-household-budget-vs-a-personal-budget/">Personal budgets</a> can help you to monitor your resources in pursuit of larger financial goals. Budgeting also offers <a href="https://www.acrwebsite.org/volumes/v46/acr_vol46_2411998.pdf">more opportunities</a> to save money, reduce your debts and live a comfortable life. It can even <a href="https://prucomm.ac.uk/assets/uploads/blog/2013/04/Personal-Budgets-review-of-evidence_FINAL-REPORT.pdf">improve your mental health</a>.</p> <p>But where should you start? What questions do you need to answer in creating a budget? Here are some tips that I’ve learned – not just as an economist, but as a research cost analyst and someone who keeps a budget too.</p> <h2>1. Understand the broader economic conditions</h2> <p>It is imperative that individuals keep themselves aware and up-to-date on the realities of their country’s economic landscape. You don’t have to be a professional economist, but keep an eye on new developments like free business registration, small business development funds and printing of new money notes. What is the current exchange rate? What’s the political landscape and what international factors, like the price of crude oil, are at play? You should also watch the inflation rate and have a sense of unemployment trends.</p> <p>This economic awareness will prepare you to draft your own budget and you’ll have a sense of when external factors mean it’s time to revisit your plans.</p> <h2>2. Review your income sources</h2> <p>The ability to earn income is critical to sustaining livelihoods. Having a definite source of income is the bedrock of budgeting.</p> <p>Some important questions you should ask about your income – and how you might budget with it – include:</p> <ul> <li>What is my current income?</li> <li>What do I use my income for?</li> <li>Am I able to save, given my current income?</li> <li>What proportion of my income do I save and what proportion do I spend?</li> <li>Do I have the capacity to earn more than this?</li> <li>How can I improve my income?</li> </ul> <p>Your answers can help you to identify gaps or untapped potential. Those with irregular or unpredictable income should factor in the element of time-gap in their income, for effective budgeting. Time gap is when they are not earning income. And everyone should make allowance in their budgets for uncertainties like health issues, social engagements, inflation, unemployment, recession and price shocks.</p> <h2>3. Appraise your expenses</h2> <p>Expenses can be broadly categorised into “variable” and “fixed”.</p> <p>Fixed expenses recur within a short period: housing, food, transport, medical costs, electricity, utilities, toiletries and clothing. Variable expenses are more long-term and irregular, such as investment in property or interest-yielding assets, and the purchase of machinery.</p> <p>The main essence of revising our expenses is to analyse and possibly improve our spending habits. In reviewing our expenses, we can consider issues such as:</p> <ul> <li>What is the proportion of consumption-savings ratio from my income? This is how much do I spend compared to how much I save.</li> <li>What are my regular expenses?</li> <li>What are my fixed, capital or investment expenses?</li> <li>What are my extraordinary expenses that need modification?</li> <li>Have there been emergency or extraordinary expenses?</li> </ul> <p>A careful response to the issues raised above offers an occasion to re-evaluate the pattern and direction of our expenses. For instance, overspending, unplanned or extraordinary expenses can be identified. This can lead to an optimal, efficient reallocation of available resources.</p> <h2>4. Stabilise your finances through savings</h2> <p>Savings have been <a href="https://klinglercpa.com/bedrock-principles-for-saving-money/">described</a> as a financial stabiliser, given their potential to cater for urgent needs and create opportunities for investments.</p> <p>Of course, savings have more value when they grow faster than the rate of inflation. Inflation erodes the value of savings. For instance, an amount of 300,000 naira (US$676) saved to purchase an autorickshaw today may be impossible in two months’ time with an inflation rate of 10% when the tricycle price rises to 330,000 naira (US$744). The reverse is the case when there is deflation.</p> <p>Therefore, it is advisable to improve the value of savings through investments in interest-yielding assets such as stocks, shares, bonds, microfinance and production.</p> <p>That’s not to say it’s always easy to save. Many income earners spend as they go, not seeing savings as part of their budgets. Harsh economic realities can also make it difficult – sometimes seemingly impossible – to save. But it’s not impossible: savings can be made in small amounts, through a daily, weekly or monthly contribution to collections, cooperative schemes or microfinance affiliations. For instance, a point of sale business in Nigeria can permit a daily contribution of 500 naira (US$1.13) over 25 work days, giving an average saving of 12,500 naira (US$28.18) per month.</p> <p>The Point-of-Sale business started in Nigeria in 2013 when the Central Bank of Nigeria introduced the agent banking system. A POS agent operates and processes transactions through a POS service provider. Providers of such services include banks, microfinance banks and fintech companies.</p> <h2>5. Run a flexible budget</h2> <p>Once your budget is created, remember that it’s not set in stone. It should be flexible if anything changes in your life. For instance, an amount saved to buy a car can be invested in a promising venture buying shares through public offerings or private placements in multinational organisations like Nestle or Unilever.</p> <p>Also, health emergencies or career advancement programmes can require taking some money out of our savings.</p> <p>In all, budgeting should be flexible enough to incorporate exigencies, especially when catering for the current situation will culminate into a greater good.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/195590/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em><a href="https://theconversation.com/profiles/oluwabunmi-adejumo-1370664">Oluwabunmi Adejumo</a>, Lecturer/Researcher, <a href="https://theconversation.com/institutions/obafemi-awolowo-university-2843">Obafemi Awolowo University</a></em></p> <p><em>Image credits: Getty Images </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/five-tips-for-developing-and-managing-your-budget-even-in-tough-economic-times-195590">original article</a>.</em></p>

Money & Banking

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"We want answers": Furious cruise passengers stage protest after itinerary change

<p>Passengers onboard a Norwegian Cruise Line voyage has expressed their outrage after their once in a lifetime trip to Antarctica changed course after the journey had already begun. </p> <p>Melbourne woman Helen Midler was one of hundreds of people onboard the cruise from Buenos Aires to mainland Antarctica, when staff informed all travellers that their itinerary had changed. </p> <p>Days into their journey, those onboard were told they would not be visiting Antarctica at all, but would be doing a "South America round trip" instead.</p> <p>Midler took to social media to share her frustrations, saying the communication between the cruise line and the passengers was very poor. </p> <p>She explained that she only found out about the change after checking the app a few days into the journey and noticed the name of the cruise had been changed. </p> <p>Passengers were later told the change of destination was for "operational reasons" after raising their concerns, however no further explanation was given.</p> <p>Those onboard were allegedly told the decision was made by the head office in the US to not visit Paradise Bay, on mainland Antarctica, before departure on January 31, and that all passengers were notified by email, and again at check-in. </p> <p>However, Midler claims this was not the case.</p> <p>"I can assure you that we never got any email and many of our friends here on board, and I'm talking hundreds of people we know, did not receive any email either," she said in a video posted online. </p> <p>"Until the cruise had commenced, most people on this ship were not aware of the change in the itinerary."</p> <p>Midler said "everyone was angry", with hundreds of passengers meeting at in the ship's foyer one morning in protest to demand further answers from the crew. </p> <p>"Customer service are refusing to acknowledge us, they sent a security officer out to calm us down," she said while standing in the noisy crowd. "We feel we're being cheated, being scammed".</p> <p>Midler said frustrated travellers, some of whom "spent their live savings" on the cruise that costs upwards of $4,000 per person, just "want answers, transparency and clarity" but claims they're being treated with "absolute disdain and disrespect" with little explanation given.</p> <p>"Everyone on this ship has paid a lot of money to cruise to Antarctica, not to do a round trip of South America at sea," she fumed. "We are being dismissed, ignored, refused answers. They're telling us we just have to accept it.</p> <p>"They think we're idiots. We're not idiots and we're not prepared to just accept this sitting down," she continued. "We may not get to Antarctica. The chances of this cruise now going to Antarctica are minimal. But we want answers."</p> <p>In the days after her initial post, Midler updated her online followers and said those onboard were trying to make the best of a bad situation, despite still not hearing any clear answers about the change of itinerary. </p> <p>"We saved and we booked this two years ago for the trip of a lifetime," she said. "We're feeling very disappointed and dejected about the outcomes here."</p> <p>"We'll never be able to afford to do this again. And we've lost that trip to the Antarctica mainland that we had all been hoping and waiting for, and that we'd paid for. But we're going to try and do our best to enjoy it."</p> <p><em>Image credits: TikTok</em></p>

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Flight attendant reveals why you should never use the toilet paper on a plane

<p dir="ltr">A flight attendant has revealed the gross reason why you should never use the toilet paper on a plane journey. </p> <p dir="ltr">The seasoned cabin crew member, an American woman named Cheryl, shared the three things she would never do on a plane after seeing what really goes on behind closed doors on an aircraft. </p> <p dir="ltr">Her first tip for any traveller was not to use the toilet paper in a plane bathroom. </p> <p dir="ltr">Sharing her tips in a TikTok video, she wrote, "If you examine the toilet paper, I promise you're going to see water droplets on it, or what you think are water droplets."</p> <p dir="ltr">"I don't think we can trust most men to make it in the toilet on a normal day, let alone flying at 36,000 feet with turbulence."</p> <p dir="ltr">To combat this, the flight attendant recommends bringing a travel pack of tissues in your hand luggage to use instead. </p> <p dir="ltr">She also warned her viewers against wearing shorts on their next flight.</p> <p dir="ltr">"I would never wear shorts on a plane. You're going to freeze to death," she said.</p> <p dir="ltr">Cheryl pointed out another valid reason to opt for long pants on a flight, stating, "Say we have an evacuation. You have to go down the slide. Your butt cheeks are going to be sizzled off.”</p> <p dir="ltr">Lastly, Cheryl urged travellers to never book less than a three-hour connection between flights.</p> <p dir="ltr">"Delays can happen for a million and one reasons. The likelihood that you're going to miss your connection is pretty high if you're booking shorter than three hours," she said.</p> <p dir="ltr"><em>Image credits: TikTok</em></p>

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Top tips for happy and healthy eyes this Autumn

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

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