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How much time should you spend sitting versus standing? New research reveals the perfect mix for optimal health

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/christian-brakenridge-1295221">Christian Brakenridge</a>, <a href="https://theconversation.com/institutions/baker-heart-and-diabetes-institute-974">Baker Heart and Diabetes Institute</a></em></p> <p>People have a pretty intuitive sense of what is healthy – standing is better than sitting, exercise is great for overall health and getting <a href="https://theconversation.com/could-not-getting-enough-sleep-increase-your-risk-of-type-2-diabetes-225179">good sleep is imperative</a>.</p> <p>However, if exercise in the evening may disrupt our sleep, or make us feel the need to be more sedentary to recover, a key question emerges – what is the best way to balance our 24 hours to optimise our health?</p> <p><a href="https://link.springer.com/article/10.1007/s00125-024-06145-0">Our research</a> attempted to answer this for risk factors for heart disease, stroke and diabetes. We found the optimal amount of sleep was 8.3 hours, while for light activity and moderate to vigorous activity, it was best to get 2.2 hours each.</p> <p><iframe id="dw4bx" class="tc-infographic-datawrapper" style="border: none;" src="https://datawrapper.dwcdn.net/dw4bx/" width="100%" height="400px" frameborder="0"></iframe></p> <h2>Finding the right balance</h2> <p>Current health guidelines recommend you stick to a <a href="https://www.health.gov.au/topics/physical-activity-and-exercise/physical-activity-and-exercise-guidelines-for-all-australians/for-adults-18-to-64-years">sensible regime</a> of moderate-to vigorous-intensity physical activity 2.5–5 hours per week.</p> <p>However <a href="https://doi.org/10.1016/j.jacc.2019.02.031">mounting evidence</a> now <a href="https://doi.org/10.2337/dc14-2073">suggests</a> how you spend your day can have meaningful ramifications for your health. In addition to moderate-to vigorous-intensity physical activity, this means the time you spend sitting, standing, doing light physical activity (such as walking around your house or office) and sleeping.</p> <p>Our research looked at more than 2,000 adults who wore body sensors that could interpret their physical behaviours, for seven days. This gave us a sense of how they spent their average 24 hours.</p> <p>At the start of the study participants had their waist circumference, blood sugar and insulin sensitivity measured. The body sensor and assessment data was matched and analysed then tested against health risk markers — such as a heart disease and stroke risk score — to create a model.</p> <p>Using this model, we fed through thousands of permutations of 24 hours and found the ones with the estimated lowest associations with heart disease risk and blood-glucose levels. This created many optimal mixes of sitting, standing, light and moderate intensity activity.</p> <p>When we looked at waist circumference, blood sugar, insulin sensitivity and a heart disease and stroke risk score, we noted differing optimal time zones. Where those zones mutually overlapped was ascribed the optimal zone for heart disease and diabetes risk.</p> <h2>You’re doing more physical activity than you think</h2> <p>We found light-intensity physical activity (defined as walking less than 100 steps per minute) – such as walking to the water cooler, the bathroom, or strolling casually with friends – had strong associations with glucose control, and especially in people with type 2 diabetes. This light-intensity physical activity is likely accumulated intermittently throughout the day rather than being a purposeful bout of light exercise.</p> <p>Our experimental evidence shows that <a href="https://diabetesjournals.org/care/article/39/6/964/29532/Benefits-for-Type-2-Diabetes-of-Interrupting">interrupting our sitting</a> regularly with light-physical activity (such as taking a 3–5 minute walk every hour) can improve our metabolism, especially so after lunch.</p> <p>While the moderate-to-vigorous physical activity time might seem a quite high, at more than 2 hours a day, we defined it as more than 100 steps per minute. This equates to a brisk walk.</p> <p>It should be noted that these findings are preliminary. This is the first study of heart disease and diabetes risk and the “optimal” 24 hours, and the results will need further confirmation with longer prospective studies.</p> <p>The data is also cross-sectional. This means that the estimates of time use are correlated with the disease risk factors, meaning it’s unclear whether how participants spent their time influences their risk factors or whether those risk factors influence how someone spends their time.</p> <h2>Australia’s adult physical activity guidelines need updating</h2> <p>Australia’s <a href="https://www.health.gov.au/topics/physical-activity-and-exercise/physical-activity-and-exercise-guidelines-for-all-australians/for-adults-18-to-64-years">physical activity guidelines</a> currently only recommend exercise intensity and time. A <a href="https://www.uow.edu.au/media/2023/why-adults-need-to-move-more-stop-sitting-and-sleep-better-.php">new set of guidelines</a> are being developed to incorporate 24-hour movement. Soon Australians will be able to use these guidelines to examine their 24 hours and understand where they can make improvements.</p> <p>While our new research can inform the upcoming guidelines, we should keep in mind that the recommendations are like a north star: something to head towards to improve your health. In principle this means reducing sitting time where possible, increasing standing and light-intensity physical activity, increasing more vigorous intensity physical activity, and aiming for a healthy sleep of 7.5–9 hours per night.</p> <p>Beneficial changes could come in the form of reducing screen time in the evening or opting for an active commute over driving commute, or prioritising an earlier bed time over watching television in the evening.</p> <p>It’s also important to acknowledge these are recommendations for an able adult. We all have different considerations, and above all, movement should be fun.<!-- 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/228894/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> <p><a href="https://theconversation.com/profiles/christian-brakenridge-1295221"><em>Christian Brakenridge</em></a><em>, Postdoctoral research fellow at Swinburne University, Centre for Urban Transitions, <a href="https://theconversation.com/institutions/baker-heart-and-diabetes-institute-974">Baker Heart and Diabetes Institute</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-much-time-should-you-spend-sitting-versus-standing-new-research-reveals-the-perfect-mix-for-optimal-health-228894">original article</a>.</em></p> </div>

Body

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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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“Selfish” husband leaves wife behind for first class upgrade on their honeymoon

<p dir="ltr">A woman has shared her frustration over a journey she took with her new husband to their honeymoon destination. </p> <p dir="ltr">The wife’s “selfish” husband was quick to ditch her on their way to Mexico for their honeymoon after he was offered an upgrade to business class. </p> <p dir="ltr">The woman took to Reddit to share the story of what began at the airport shortly after their wedding, while also explaining that as a frequent flyer, she had racked up a hefty amount of points. </p> <p dir="ltr">In comparison, her new husband is an anxious flyer, who often relies on her to keep him calm during take off and landing. </p> <p dir="ltr">“When I booked our flights I requested to use my points if an upgrade to business class became available, but made it clear I only wanted this upgrade if two seats became available... and then I basically forgot about it,” the wife explained in a Reddit thread.</p> <p dir="ltr">“Then comes the day of our flight. I was so excited for this trip, I checked us in online, all is going well, and then when we go to board, the employee scanning our boarding passes stops us.”</p> <p dir="ltr">“She says it seems that my husband was upgraded to business class, but only him and asks if that is okay.”</p> <p dir="ltr">The wife immediately replied, “No, we are on our honeymoon and would like to stay together”, however, her husband interjected, saying, “No it’s fine, I’ll go to business class.”</p> <p dir="ltr">Approximately 500 of her hard earned points went to his upgrade, while she was left alone in economy for the trip. </p> <p dir="ltr">Stunned by his response, she said: “I look at him in complete shock and he tells me that I fly all the time and have been in business class before, but he hasn’t. So he deserves a chance to experience it.</p> <p dir="ltr">“I see we are holding up the line, so I feel like I just need to agree and get on the plane.</p> <p dir="ltr">“To say I am p***ed off is an understatement.”</p> <p dir="ltr">After boarding the flight, the woman became overcome with emotion over her new husband’s actions. </p> <p dir="ltr">“Within maybe five to 10 minutes of sitting there, trying to hold back tears because my husband left me alone on our flight during our honeymoon — and use my points for his upgrade no less, he starts to text me saying he feels anxiety over flying.”</p> <p dir="ltr">Instead of expressing sympathy, she decided to ignore his texts.</p> <p dir="ltr">“I stopped looking at my phone,” the wife said.</p> <p dir="ltr">Just one hour into the flight, her husband began looking for her in economy class.</p> <p dir="ltr">“He comes to the back of the plane to find me, offers me half of his business class breakfast and asks me why I was ignoring him... because he was scared and needed me to tell him it’d be okay since I am such an experienced flyer,” she explained.</p> <p dir="ltr">“I told him maybe he should have thought about that before leaving me alone before our honeymoon even really began.”</p> <p dir="ltr">“He gets angry, tells me that this may be the only time he gets to fly business class and he was giving me half his breakfast to make up for it so I could at least be supportive of his genuine fear.”</p> <p dir="ltr">When they landed in Mexico, she tried to just “move on and forget” about what her husband did so they could enjoy their honeymoon.</p> <p dir="ltr">“But he guilt tripped me about not comforting him via text before take off and now I am wondering if I am being unreasonable and should have just let him enjoy his time in business class and assure him it’d be okay?” she wondered.</p> <p dir="ltr">She asked the internet whether she was being the a**hole for not being supportive of her husband.</p> <p dir="ltr">Many jumped to the wife’s defence, with one suggesting, “Definitely not the a**hole. Tell your husband actions have consequences and since he wanted to be in business class without you, he gets to fly without you. The fact he did this on your honeymoon trip just makes it worse.”</p> <p dir="ltr"><em>Image credits: Getty Images </em></p> <p><em> </em></p>

Travel Trouble

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King Charles returns to public duties for the first time since diagnosis

<p>King Charles has made his first official public appearance since being diagnosed with cancer in February. </p> <p>In a symbolic appearance on Tuesday morning, the royal visited the Macmillan Cancer Centre at the University College Hospital donning a navy pinstripe suit with a light blue shirt and a pink dinosaur tie.</p> <p>The monarch was joined by his wife, Queen Camilla, with the couple sporting huge smiles as they waved to the crowd outside of the London hospital. </p> <p>The royal couple met with clinicians, patients and families of patients during the visit, and when asked by one patient how his treatment was going, Charles replied: "I'm alright, thank you".</p> <p>In one photo Charles can be seen tenderly placing his hand on the arms of a patient as he spoke with them. </p> <p>One patient discussed her chemotherapy with Charles, who who told her: “I’ve got to have my treatment this afternoon as well,” according to the <em>Mirror</em>.</p> <p>He also shared his reaction to finding out about his diagnosis for the first time, telling one patient: “It’s always a bit of a shock, isn’t it, when they tell you?”</p> <p>The King's hospital visit comes just days after the Palace released a statement confirming that he was showing progress with his treatment and would be resuming official duties. </p> <p>“His Majesty The King will shortly return to public-facing duties after a period of treatment and recuperation following his recent cancer diagnosis,”  it read, before announcing the visit to the cancer centre. </p> <p>“This visit will be the first in a number of external engagements His Majesty will undertake in the weeks ahead.”</p> <p>Despite this, his upcoming summer schedule would not be a full one, with events like the King's Birthday parade, known as Trooping the Colour, and the Royal Ascot, being undertaken on a case-by-case basis. </p> <p>He also plans to host the Emperor and Empress of Japan in late June. </p> <p>“As the first anniversary of the Coronation approaches, Their Majesties remain deeply grateful for the many kindnesses and good wishes they have received from around the world throughout the joys and challenges of the past year,” the statement concluded. </p> <p><em>Image: Getty</em></p>

Caring

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Nicole Kidman's daughters help celebrate mum's historic first

<p>Nicole Kidman taken to the red carpet with her family in tow for a rare appearance, as Nicole accepted a lifetime achievement award. </p> <p>The Aussie actress was joined by her husband Keith Urban and their two daughters, Sunday, 15, and Faith, 13, who were all dressed to the nines for the occasion.</p> <p>Nicole was also surrounded by her sister Antonia Kidman, brother-in-law Craig Marran and their family for the glitzy event. </p> <p>The 56-year-old actress has now become the first Australian to win the American Film Institute Lifetime Achievement Award, with the award often being dubbed the highest honour in American cinema. </p> <p>The accolade has also been won by the likes of Julie Andrews, Al Pacino, Denzel Washington, George Clooney, Meryl Streep Morgan Freeman and many other iconic figures in the industry. </p> <p>The Academy Award winner who grew up in Sydney said on social media she was "deeply moved" to receive such a prestigious award. </p> <p>"Thank you to all of you and to the American Film institute for including me in this illustrious group of honorees — now let's have some fun!" she wrote on Instagram. </p> <p>When announcing Kidman as the recipient of the award, AFI released a statement saying, "Both a powerhouse performer, spellbinding movie star and accomplished producer, Nicole Kidman has captured the imaginations of audiences throughout her prolific career, delivering complex and versatile performances on-screen."</p> <p>"She is a force both brave in her choices and bold in each performance. AFI is honoured to present her with the 49th AFI Life Achievement Award."</p> <p><em>Image credits: Getty Images </em></p>

Family & Pets

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"First day of school": Charles Spencer shares unseen snap of Diana

<p>Charles Spencer has shared a previously unseen photo from his school days with his late sister Princess Diana. </p> <p>The sweet photo shows a young Charles and Diana in their school uniforms standing side by side on what was their first day of primary school in 1968.</p> <p>Earl Spencer, 59, captioned the photo, "My first day of school, in September 1968: my father took this photograph of me and my sister, Diana, just before he drove us to Silfield, a really lovely primary school in King's Lynn, Norfolk."</p> <p>"The headmistress was Miss Jean Lowe, a warm and thoughtful lady who loved her boys and girls."</p> <p>"I was there till 1972, when I headed off to the place I call - in my memoir - A Very Private School."</p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-permalink="https://www.instagram.com/p/C5TfsiIoQL8/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/p/C5TfsiIoQL8/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by Charles Spencer (@charles.earl.spencer)</a></p> </div> </blockquote> <p>Three years after the photo was taken, Charles was separated from his sister to attend a boarding school, Maidwell Hall Prep School.</p> <p>Throughout the Spencer children's schooling life, Diana was always "very protective" over her brother and "just wouldn't settle" in class until she knew he was okay. </p> <p>Charles told <a title="HELLO!" href="https://www.hellomagazine.com/royalty/516378/charles-spencer-shares-poignant-childhood-anecdote-princess-diana/" target="_blank" rel="noopener"><em>HELLO</em>!</a> that he and Diana had a unique bond when they were growing up. </p> <p>"My mother [Frances] left home when we were young – I was two or three, and Diana would have been five or six – so we were very much in it together," he said.</p> <p>Diana soon fell into a caretaker role, and would look after her brother after their mother left. </p> <p>"Diana looked after me because she was nearly three years older than me," Charles Spencer said.</p> <p>"She said that the worst part was hearing me cry down the hall because she was terrified of the dark and couldn't come to me."</p> <p><em>Image credits: Instagram </em></p>

Family & Pets

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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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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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Kate Middleton spotted for the first time since surgery

<p>Kate Middleton has been seen for the first time in over six weeks, as she continues to recover from a "planned abdominal surgery". </p> <p>The Princess of Wales was last seen by the public attending mass on Christmas Day before being admitted to hospital in early January for the procedure. </p> <p>Despite Kensington Palace sharing that the princess wouldn't be returning to royal duties until after Easter, <a href="https://oversixty.com.au/health/caring/kate-middleton-s-disappearance-sparks-bizarre-conspiracy-theories" target="_blank" rel="noopener">rumours</a> began to swirl online over her whereabouts. </p> <p>Now, the 42-year-old royal has been <a href="https://www.news.com.au/entertainment/celebrity-life/royals/kate-middleton-finally-spotted-after-disappearing-for-more-than-two-months/news-story/d1ca1f9c54e1526ba2ba69a605af7811" target="_blank" rel="noopener">photographed</a> in a car alongside her mother Carole in Windsor. </p> <p>As rumours continued to run rampant online about Kate's wellbeing following her surgery, Kensington Palace was forced to <a href="https://oversixty.com.au/health/caring/palace-responds-to-bizarre-conspiracy-theories-about-kate-s-whereabouts" target="_blank" rel="noopener">interfere</a> and debunk the wild accusations. </p> <p>After "Where is Kate Middleton?" was trending worldwide on social media, due to her not being in the public eye for an unprecedented amount of time, the Palace reiterated their original statement following Kate's surgery, saying she was simply at home recovering.</p> <p><span style="font-size: 16px; caret-color: #212529; color: #212529; font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif, 'Apple Color Emoji', 'Segoe UI Emoji', 'Segoe UI Symbol', 'Noto Color Emoji'; background-color: #ffffff;">“We were very clear from the outset that the Princess of Wales was out until after Easter and Kensington Palace would only be providing updates when something was significant,” the statement read. </span></p> <p style="font-size: 16px; box-sizing: border-box; margin-top: 0px; margin-bottom: 1rem; caret-color: #212529; color: #212529; font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif, 'Apple Color Emoji', 'Segoe UI Emoji', 'Segoe UI Symbol', 'Noto Color Emoji';">"That guidance stands."</p> <p style="font-size: 16px; box-sizing: border-box; margin-top: 0px; margin-bottom: 1rem; caret-color: #212529; color: #212529; font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif, 'Apple Color Emoji', 'Segoe UI Emoji', 'Segoe UI Symbol', 'Noto Color Emoji';">The Palace also added that Kate is well on the road to recovery as she is "doing well", and with all things going to plan with her health, she can be expected to be seen in public after Easter, as they originally made clear. </p> <p style="font-size: 16px; box-sizing: border-box; margin-top: 0px; margin-bottom: 1rem; caret-color: #212529; color: #212529; font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif, 'Apple Color Emoji', 'Segoe UI Emoji', 'Segoe UI Symbol', 'Noto Color Emoji';"><em>Image credits: Getty Images </em></p>

Caring

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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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Leap of imagination: how February 29 reminds us of our mysterious relationship with time and space

<p><em><a href="https://theconversation.com/profiles/emily-ohara-874665">Emily O'Hara</a>, <a href="https://theconversation.com/institutions/auckland-university-of-technology-1137">Auckland University of Technology</a></em></p> <p>If you find it intriguing that February 28 will be followed this week by February 29, rather than March 1 as it usually is, spare a thought for those alive in 1582. Back then, Thursday October 4 was followed by Friday October 15.</p> <p>Ten whole days were snatched from the present when Pope Gregory XIII issued a papal bull to “restore” the calendar from discrepancies that had crept into the Julian calendar, introduced by Julius Caesar in 45 BCE.</p> <p>The new Gregorian calendar returned the northern hemisphere’s vernal equinox to its “proper” place, around March 21. (The equinox is when the Earth’s axis is tilted neither toward nor away from the sun, and is used to determine the date of Easter.)</p> <p>The Julian calendar had observed a leap year every four years, but this meant time had drifted out of alignment with the dates of celestial events and astronomical seasons.</p> <p>In the Gregorian calendar, leap days were added only to years that were a multiple of four – like 2024 – with an exception for years that were evenly divisible by 100, but not 400 – like 1700.</p> <p>Simply put, leap days exist because it doesn’t take a neat 365 days for Earth to orbit the Sun. It takes 365.2422 days. Tracking the movement of celestial objects through space in an orderly pattern doesn’t quite work, which is why we have February – time’s great mop.</p> <h2>Time and space</h2> <p>This is just part of the history of how February – the shortest month, and originally the last month in the Roman calendar – came to have the job of absorbing those inconsistencies in the temporal calculations of the world’s most commonly used calendar.</p> <p>There is plenty of <a href="https://theconversation.com/leap-day-fixing-the-faults-in-our-stars-54032">science</a>, <a href="https://theconversation.com/explainer-the-science-behind-leap-years-and-how-they-work-54788">maths</a> and <a href="https://theconversation.com/how-a-seasonal-snarl-up-in-the-mid-1500s-gave-us-our-strange-rules-for-leap-years-132659">astrophysics</a> explaining the relationship between time and the planet we live on. But I like to think leap years and days offer something even more interesting to consider: why do we have calendars anyway?</p> <p>And what have they got to do with how we understand the wonder and strangeness of our existence in the universe? Because calendars tell a story, not just about time, but also about space.</p> <p>Our reckoning of time on Earth is through our spatial relationship to the Sun, Moon and stars. Time, and its place in our lives, sits somewhere between the scientific, the celestial and the spiritual.</p> <p>It is <a href="https://shop.whitechapelgallery.org/products/time">notoriously slippery, subjective and experiential</a>. It is also marked, tracked and determined in myriad ways across different cultures, from tropical to solar to <a href="https://www.stuff.co.nz/pou-tiaki/300062097/matariki-and-the-maramataka-the-mori-lunar-calendar">lunar</a> calendars.</p> <p>It is the Sun that measures a day and gives us our first reference point for understanding time. But it is the <a href="https://librarysearch.aut.ac.nz/vufind/Record/1145999?sid=25214690">Moon</a>, as a major celestial body, that extends our perception of time. By stretching a span of one day into something longer, it offers us a chance for philosophical reflection.</p> <p>The Sun (or its effect at least) is either present or not present. The Moon, however, goes through phases of transformation. It appears and disappears, changing shape and hinting that one night is not exactly like the one before or after.</p> <p>The Moon also has a distinct rhythm that can be tracked and understood as a pattern, giving us another sense of duration. Time is just that – overlapping durations: instants, seconds, minutes, hours, days, weeks, months, years, decades, lifetimes, centuries, ages.</p> <h2>The elusive Moon</h2> <p>It is almost impossible to imagine how time might feel in the absence of all the tools and gadgets we use to track, control and corral it. But it’s also hard to know what we might do in the absence of time as a unit of productivity – a measurable, dispensable resource.</p> <p>The closest we might come is simply to imagine what life might feel like in the absence of the Moon. Each day would rise and fall, in a rhythm of its own, but without visible reference to anything else. Just endless shifts from light to dark.</p> <p>Nights would be almost completely dark without the light of the Moon. Only stars at a much further distance would puncture the inky sky. The world around us would change – trees would grow, mammals would age and die, land masses would shift and change – but all would happen in an endless cycle of sunrise to sunset.</p> <p>The light from the Sun takes <a href="https://www.skyatnightmagazine.com/space-science/how-take-light-from-sun-reach-earth">eight minutes</a> to reach Earth, so the sunlight we see is always eight minutes in the past.</p> <p>I remember sitting outside when I first learned this, and wondering what the temporal delay might be between me and other objects: a plum tree, trees at the end of the street, hills in the distance, light on the horizon when looking out over the ocean, stars in the night sky.</p> <p>Moonlight, for reference, takes about <a href="https://www.pbs.org/seeinginthedark/astronomy-topics/light-as-a-cosmic-time-machine.html">1.3 seconds</a> to get to Earth. Light always travels at the same speed, it is entirely constant. The differing duration between how long it takes for sunlight or moonlight to reach the Earth is determined by the space in between.</p> <p>Time on the other hand, is anything but constant. There are countless ways we characterise it. The mere fact we have so many calendars and ways of describing perceptual time hints at our inability to pin it down.</p> <p>Calendars give us the impression we can, and have, made time predictable and understandable. Leap years, days and seconds serve as a periodic reminder that we haven’t.<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/224503/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><a href="https://theconversation.com/profiles/emily-ohara-874665"><em>Emily O'Hara</em></a><em>, Senior Lecturer, Spatial Design + Temporary Practices, <a href="https://theconversation.com/institutions/auckland-university-of-technology-1137">Auckland University of Technology</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/leap-of-imagination-how-february-29-reminds-us-of-our-mysterious-relationship-with-time-and-space-224503">original article</a>.</em></p>

Technology

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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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Young boy beats rare brain cancer in world first

<p>A 13-year-old boy from Belgium has become the first person in the world to be cured from a deadly brain cancer. </p> <p>Lucas Jemeljanova was only six-years-old when he was diagnosed with diffuse intrinsic pontine glioma (DIPG), a rare and aggressive brain cancer which kills 98 per cent of sufferers within five years. </p> <p>He was randomly assigned to receive everolimus, a type of chemotherapy drug during a clinical trial. The drug is commonly used to treat kidney, pancreas, breast and brain cancer, but up to this point has not been successfully used to treat DIPG. </p> <p>Seven years later, Lucas has responded well to the treatment and has no trace of cancer, and has officially been in remission for five years.</p> <p>His doctor, Jacques Grill said that Lucas "beat the odds" and his case "offers real hope". </p> <p>Lucas was one of the first few people enrolled in the BIOMEDE trial in France, which was testing potential new drugs for DIPG. </p> <p>The drug works by preventing the cancer cells from reproducing and decreasing blood supply to the cancer cells, and it is an FDA approved prescription drug for cancer.</p> <p>Doctors were initially hesitant to stop the treatment until a year ago and a half ago. </p> <p>"I didn’t know when to stop, or how, because there was no reference in the world," Dr Grill told the <em>AFP</em>. </p> <p>"Over a series of MRI scans, I watched as the tumour completely disappeared," he added. </p> <p>Seven other children who were also in the trial have been considered "long responders", as they haven't had any relapses for three years after their diagnosis, but only Lucas was cured. </p> <p>The reason behind his complete recovery is still unknown, but it could be because of "biological particularities" in his tumour. </p> <p>"Lucas' tumour had an extremely rare mutation which we believe made its cells far more sensitive to the drug," Dr Grill added. </p> <p>DIPG is typically found in children between ages five and nine. </p> <p>The cause of the tumour is unknown but some of the first symptoms include problems with eye movement and balance, facial weakness, difficulty walking and strange limb movements.</p> <p>Researchers are currently trying to reproduce the difference seen in Lucas' cells. </p> <p>"Lucas is believed to have had a particular form of the disease," Dr Grill said. </p> <p>"We must understand what and why to succeed in medically reproducing in other patients what happened naturally with him." </p> <p>However Dr Grill said that this process won't be quick. </p> <p>"On average, it takes 10-15 years from the first lead to become a drug – it's a long and drawn-out process."</p> <p><em>Images: Facebook</em></p> <p> </p>

Caring

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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>

Legal

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Kylie Minogue wins her first Grammy in 20 years

<p dir="ltr">Kylie Minogue has won her first Grammy in 20 years, taking home the award for Best Pop Dance Recording. </p> <p dir="ltr">The songstress picked up the award for her hit track <em>Padam Padam</em>, beating fellow Aussie Troye Sivan for his song <em>Rush</em>. </p> <p dir="ltr">The award was handed out during the Premiere Ceremony of the 66th annual Grammys, where she was nominated for six awards for her new album <em>Tension</em>. </p> <p dir="ltr">The 55-year-old shared a sweet clip of her reaction to the win, showing her screaming and running around in a dressing gown while her team shared their congratulations. </p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-permalink="https://www.instagram.com/reel/C28KH94vZoR/?utm_source=ig_embed&amp;utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/reel/C28KH94vZoR/?utm_source=ig_embed&amp;utm_campaign=loading" target="_blank" rel="noopener">A post shared by Kylie Minogue (@kylieminogue)</a></p> </div> </blockquote> <p dir="ltr">She captioned the video, “Padam? Padam! ❤️❤️ Thank you SOOO much recording academy 🥹🥰😘”</p> <p dir="ltr">Padam Padam reached the top 20 in several countries, including Australia, the UK and America.</p> <p dir="ltr">This is the sixth time Kylie has been nominated for the prestigious award throughout her career, only winning it once before in 2004 for her song <em>Come Into My World</em>.</p> <p dir="ltr">Before her win, Minogue dazzled on the red carpet at industry heavyweight Clive Davis’s pre-Grammys gala on Sunday.</p> <p dir="ltr">Sporting a black mini dress, Kylie posed with country music legend Shania Twain while other stars walked the carpet. </p> <p dir="ltr" style="line-height: 1.38; margin-top: 0pt; margin-bottom: 12pt;"><em>Image credits: Getty Images </em><span id="docs-internal-guid-44812604-7fff-e385-0206-a2af0888283c"></span></p>

Music

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Flight cancelled after parents demand free upgrade for their child

<p dir="ltr">A flight was delayed for hours before being ultimately cancelled after two parents demanded that their child was upgraded to first class for free. </p> <p dir="ltr">A plane in China was grounded for three hours after the parents caused a ruckus with the cabin crew, and were eventually kicked off the aircraft. </p> <p dir="ltr">According to a fellow passenger, the argument kicked off when an unsupervised child began to sob uncontrollably after boarding a flight from Chengdu to Beijing. </p> <p dir="ltr">As it turned out, the inconsolable toddler’s parents were seated in first class but had only bought their child an economy ticket.</p> <p dir="ltr">It was then that the angry dad confronted the staff, demanding that his son be moved to first class at no extra cost.</p> <p dir="ltr">According to the <em>South China Morning Post</em>, the irate dad explained that because he had already paid for two first class tickets, his child’s upgrade should be free. </p> <p dir="ltr">In the clip shot by a fellow passenger, the outraged dad began berating a group of passengers, crew members, and security guards as they repeatedly explained why his child isn’t entitled to an upgrade.</p> <p dir="ltr">“Stop swearing at me,” fumed the father. “You have no right to do that.”</p> <p dir="ltr">When a security guard attempts to de-escalate the situation, the parent lays into him, shouting: “What gives you the right to order me about?”</p> <p dir="ltr">This prompts a woman to retort: “You’ve wasted too much of our time and we won’t tolerate it any longer.”</p> <p dir="ltr">After three hours of back and forth, the couple were eventually kicked off the plane, while the flight was cancelled. </p> <p dir="ltr">The entitled passenger has since been rinsed on social media with one commenter fuming, “This man is so selfish.”</p> <p dir="ltr">Others suggested solutions for the father that didn’t involve the airline giving the man an extra first-class seat.</p> <p dir="ltr">“He can switch seats,” advised one person. “Let him sit in economy class, and have the mum take care of the child in the first-class cabin.”</p> <p dir="ltr">Some on social media were quick to chastise the airline for their handling of the situation, with one person writing, “Keeping the quarrel going for hours? The problem-solving skills of the crew are poor.”</p> <p dir="ltr"><em>Image credits: Twitter</em></p>

Travel Trouble

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The surprising reason you shouldn’t bring camouflage clothing on a cruise

<p><strong>Dress codes</strong></p> <p>If you’ve been on a cruise before, then you’re probably aware that dress codes are still a thing. In fact, clothing recommendations are quite common, as some of the best cruise lines have formal nights, dress-to-impress evenings and planned costume or themed cruise events. So rules about what you can and cannot wear aren’t abnormal.</p> <p>As such, packing for a cruise is no easy feat: You’ll need formalwear for nights, pool wear for the day, outfits for excursions and layers for inclement weather. I’m an avid cruise-goer, and there are a number of items I never board a cruise ship without, but there’s also one thing I absolutely never pack for a cruise headed for the Philippines or the Caribbean: camouflage clothing.</p> <p><strong>Why is camouflage clothing inadvisable?</strong></p> <p>It actually has nothing to do with the formality of your wardrobe. Camouflage clothing happens to be illegal to wear in many countries that are popular cruise destinations. According to cruise liner Royal Caribbean, the Philippines, Antigua, Barbados, Grenada, Jamaica, St. Lucia and Trinidad and Tobago are among those that prohibit camouflage. </p> <p>And while camouflage print clothing and accessories, as well as military-style clothing, aren’t technically banned onboard cruises, most cruise companies will simply ask you not to pack them to curb any potential issues at ports.</p> <p><strong>Why is camouflage clothing banned in these countries?</strong></p> <p>In most countries that prohibit camouflage, it’s because the disguising clothing is reserved for military personnel only. And it’s important to be respectful of this camouflage-free rule, which I learned while travelling to Nevis about seven years ago. My friend was stopped by hotel staff who advised her to change out of her camouflaged pants if she planned to leave the property. Not understanding the seemingly odd request without any context or explanation, we asked what would happen if she didn’t comply. Their response? She could get fined or arrested. As you can imagine, those cute camo pants were then stuffed into her suitcase for the remainder of our stay.</p> <p>“It is a concern because of the affiliation with criminal gangs as well as armed forces,” says Lauren Doyle, a travel advisor and president of boutique travel agency The Travel Mechanic. She says that to avoid any confusion and help curb any potential issues in the future, cruise lines simply advise against bringing it onboard.</p> <p>Doyle, who has booked many cruises for customers, says this information is usually found on a cruise line’s website (which is why it’s important to brush up on cruise tips prior to setting sail), and that many cruise lines will include it in their daily newsletter or app if you’re going to any country that prohibits it.</p> <p><strong>What to do if you accidentally pack camouflage clothing</strong></p> <p>If you’ve packed a camo hat, bathing suit, cargo pants or the camouflage backpack you carry, just leave it on the ship, even if you’re unsure of restrictions on what to wear in certain ports of call.</p> <p>Generally, you can wear camo clothing while you’re onboard, just not during excursions or on land. So if you’ve packed it, go ahead and rock your camo print at the breakfast buffet or on the pool deck (as you ponder those big white balls on the cruise deck). And while you could probably technically wear your camo while chilling on your stateroom balcony, if it’s viewable to the country you’re visiting, it may still be considered disrespectful, so we don’t recommend it.</p> <p><strong>What else is prohibited on a cruise ship?</strong></p> <p>There are plenty of things you can’t do on a cruise, but what about things you shouldn’t bring to begin with? There are a few more surprising items Doyle recommends leaving at home. “Small appliances – like hot plates, steamers or irons – are also prohibited, along with electric blankets,” Doyle says. “Also, medical marijuana is not allowed on cruise ships. Drones are not allowed either.”</p> <p>Each cruise line lists prohibited items on their website, along with some exceptions, so be sure to consult their information before you start packing.</p> <p><em>Image credits: Shutterstock</em></p> <p><em>This article originally appeared on <a href="https://www.readersdigest.co.nz/travel/cruising/the-surprising-reason-you-shouldnt-bring-camouflage-clothing-on-a-cruise" target="_blank" rel="noopener">Reader's Digest</a>. </em></p>

Cruising

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What are ‘good’ and ‘bad’ debts, and which should I pay off first?

<p><em><a href="https://theconversation.com/profiles/angel-zhong-1204643">Angel Zhong</a>, <a href="https://theconversation.com/institutions/rmit-university-1063">RMIT University</a></em></p> <p>With the cost of living soaring and many struggling to get a pay rise, it’s not surprising people are using debt to navigate life’s financial twists and turns.</p> <p>Owing money can sometimes feel challenging, but not all debts should keep you awake at night.</p> <p>So which debts are good and which are bad? And in what order should you pay them off? As it all depends on your personal circumstances, all I can offer is general information and not financial advice. Ideally, you should seek guidance from an accredited financial adviser. But in the meantime, here are some ideas to consider.</p> <h2>What is a ‘good debt’?</h2> <p>Good debts can be strategic tools and help build a solid foundation for your future. They usually increase your net worth by helping you generate income or buy assets that increase in value.</p> <p>With good debts, you usually get back more than what you pay for. They usually have lower interest rates and longer repayment terms. But personal finance is dynamic, and the line between good and bad debt can be nuanced. If not managed properly, even good debts can cause problems.</p> <p>Some examples of “good debts” might include:</p> <p><strong>Mortgages</strong>: A mortgage allows you to buy a house, which is an asset that generally increases in value over time. You may potentially get tax advantages, such as <a href="https://www.ato.gov.au/forms-and-instructions/rental-properties-2023/other-tax-considerations">negative gearing</a>, through investment properties. However, it’s crucial not to overstretch yourself and turn a mortgage into a nightmare. As a rule of thumb, try avoid spending <a href="https://www.cnbc.com/select/mortgage-affordability/">more than 30% of your income</a> per year on your mortgage repayments.</p> <p><strong>Student loans</strong>: Education is an investment in yourself. Used well, student loans (such as <a href="https://www.studyassist.gov.au/help-loans/hecs-help">HECS-HELP</a>) can be the ticket to a higher-paying job and better career opportunities.</p> <h2>What is a ‘bad debt’?</h2> <p>“Bad debts” undermine your financial stability and can hinder your financial progress. They usually come with high interest rates and short repayment terms, making them more challenging to pay off. They can lead to a vicious cycle of debt.</p> <p>Examples of bad debts include:</p> <p><strong>Payday loans</strong>: A payday loan offers a quick fix for people in a financial tight spot. However, their steep interest rates, high fees and tight repayment terms often end up worsening a person’s financial problems. The interest and fee you may end up paying can get close to the loan amount itself.</p> <p><strong>Credit card debt:</strong> Credit cards can be like quicksand for your finances. If you don’t pay off your purchase on time, you’ll be subject to an annual interest rate of around <a href="https://www.rba.gov.au/statistics/tables/">19.94%</a>. For a A$3,000 credit card debt, for example, that could mean paying nearly $600 annual interest. Carrying credit card debt from month to month can lead to a seemingly never-ending debt cycle.</p> <p><strong>Personal loans:</strong> People usually take personal loans from a bank to pay for something special, such as a nice holiday or a car. They often come with higher interest rates, averaging around <a href="https://www.finder.com.au/personal-loans">10%</a>. Spending money that you don’t have can lead to prolonged financial headaches.</p> <p><strong>Buy-now-pay-later services:</strong> Buy-now-pay-later services often provide interest-free instalment options for purchases. This can be tempting, but the account fees and late payment fees associated with buy-now-pay-later services can lead to a long-term financial hangover. The convenience and accessibility of buy-now-pay-later services can also make it easy to get further and further into debt.</p> <h2>So in what order should I pay off my debts?</h2> <p>There is no one right answer to this question, but here are three factors to consider.</p> <p><strong>Prioritise high-interest debts</strong>: Start by confronting the debts with the highest interest rates. This typically includes credit card debt and personal loans. Paying off high-interest debts first can save you money and reduce your total debt faster.</p> <p><strong>Negotiate interest rates or switch lenders:</strong> Don’t be shy. A simple call to your lender requesting a lower rate can make a significant difference. You may also take advantage of sign-on offers and refinancing your loan with a new lender. In the banking business, customers are not usually rewarded for their loyalty.</p> <p><strong>Consider different repayment strategies:</strong> Choose a debt repayment strategy that aligns with your preferences. Some people get a psychological boost from paying off smaller debts first (this is often called the “<a href="https://www.wellsfargo.com/goals-credit/smarter-credit/manage-your-debt/snowball-vs-avalanche-paydown/#:%7E:text=The%20%22snowball%20method%2C%22%20simply,all%20accounts%20are%20paid%20off.">snowball method</a>”). Others focus on high-interest debts (often known as the “<a href="https://www.wellsfargo.com/goals-credit/smarter-credit/manage-your-debt/snowball-vs-avalanche-paydown/#:%7E:text=The%20%22snowball%20method%2C%22%20simply,all%20accounts%20are%20paid%20off.">avalanche method</a>”). Find what works for you. The most important thing is to have a plan and stick to it.</p> <p>Review the terms of each debt carefully. Certain loans offer flexibility in repayment schedules, while others may impose penalties for early settlement. Take note of these conditions as you develop your repayment plan.</p> <p>Debt can be a useful tool or a dangerous trap, depending on how you use it. By understanding the difference between good and bad debts, and by having a smart strategy for paying them off, you can take charge of your financial future.<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/217779/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><a href="https://theconversation.com/profiles/angel-zhong-1204643"><em>Angel Zhong</em></a><em>, Associate Professor of Finance, <a href="https://theconversation.com/institutions/rmit-university-1063">RMIT 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/what-are-good-and-bad-debts-and-which-should-i-pay-off-first-217779">original article</a>.</em></p>

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