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Loyalty programs may limit competition, and they could be pushing prices up for everyone

<p><em><a href="https://theconversation.com/profiles/alexandru-nichifor-1342216">Alexandru Nichifor</a>, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a> and <a href="https://theconversation.com/profiles/scott-duke-kominers-1494057">Scott Duke Kominers</a>, <a href="https://theconversation.com/institutions/harvard-university-1306">Harvard University</a></em></p> <p>Loyalty programs enable firms to offer significantly lower prices to some of their customers. You’d think this would encourage strong competition.</p> <p>But that isn’t always what actually happens. <a href="https://papers.ssrn.com/sol3/papers.cfm?abstract_id=4377561">New research</a> shows that paradoxically, by changing the way companies target customers, loyalty programs can sometimes reduce price competition. The research also points to solutions.</p> <h2>A win-win proposition?</h2> <p>Joining a loyalty program is supposed to be a win-win. You – the customer – get to enjoy perks and discounts, while the company gains useful commercial insights and builds brand allegiance.</p> <p>For example, a hotel chain loyalty program might reward travellers for frequent stays, with points redeemable for future bookings, upgrades or other benefits. The hotel chain, in turn, records and analyses how you spend money and encourages you to stay with them again.</p> <p>Such programs are commonplace across many industries – appearing everywhere from travel and accommodation to supermarket or petrol retailing. But they are increasingly coming under scrutiny.</p> <p>In 2019, the Australian Competition and Consumer Commission (ACCC) <a href="https://www.accc.gov.au/about-us/publications/customer-loyalty-schemes-final-report">cautioned</a> consumers about the sheer volume of personal data collected when participating in a loyalty program, and what companies can do with it.</p> <p>Hidden costs – such as having to pay a redemption fee on rewards or losing benefits when points expire – are another way these schemes can harm consumers.</p> <p>But a larger question – how loyalty programs impact consumers overall – remains difficult to settle, because their effect on competitiveness is unclear. As the ACCC’s <a href="https://www.accc.gov.au/about-us/publications/customer-loyalty-schemes-final-report">final report</a> notes, on the one hand: "Loyalty schemes can have pro-competitive effects and intensify competition between rivals leading to competing loyalty discounts and lower prices for consumers."</p> <p>But on the other hand: "Loyalty schemes can also reduce the flexibility of consumers’ buying patterns and responsiveness to competing offers, which may reduce competition."</p> <h2>How a two-speed price system can hurt everyone</h2> <p>A new economic theory research <a href="https://papers.ssrn.com/sol3/papers.cfm?abstract_id=4377561">working paper</a>, coauthored by one of us (Kominers), suggests that on competitive grounds alone, loyalty programs can sometimes harm <em>all</em> consumers – both ordinary shoppers and the program’s own members.</p> <p>It’s easy to see how the ordinary shopper can be worse off. Since a firm’s loyalty program enables it to offer discounted prices to its members, the firm can raise the base prices it offers to everyone else. Those not participating in the program pay more than they otherwise would have, and the firm can respond by saying “join our program!” instead of having to lower its price.</p> <p>But sometimes, even the program’s own members can end up worse off.</p> <p>When a given customer’s loyalty status is not visible to a firm’s competitors – as is the case in many loyalty programs today – it’s hard for those competitors to identify them and entice them to switch.</p> <p>The main way to compete for those customers becomes to lower the base price for everyone, but this means missing out on the high base margins achieved through the existence of your own loyalty program – remember, having a loyalty program means you can charge non-members more.</p> <p>It’s often more profitable for firms to just maintain high base prices. This, in turn, reduces overall price competition for loyal customers, so firms can raise prices for them, too.</p> <h2>What’s the solution?</h2> <p>Despite these effects on competition, loyalty programs still offer benefits for consumers and an opportunity for brands to form closer relationships with them.</p> <p>So, how do we preserve these benefits while enabling price competition? The research suggests an answer: making a customer’s loyalty status verifiable, transparent and portable across firms. This would make it possible for firms to tailor offers for their competitors’ loyal customers.</p> <p>This is already happening in the market for retail electricity. While there aren’t loyalty programs there per se, a consumer’s energy consumption profile, which could be used by a competitor to calibrate a personalised offer, is known only to their current electricity supplier.</p> <p>To address this, in 2015, the Victorian government launched a <a href="https://compare.energy.vic.gov.au">program</a> encouraging households to compare energy offers. This process involved first revealing a customer’s energy consumption profile to the market, and then asking retailers to compete via personalised offers.</p> <p>By opening information that might have otherwise been hidden to the broader market, this approach enabled firms to compete for each other’s top customers, in a way that could be emulated for loyalty programs.</p> <p>Such systems in the private sector could build upon “<a href="https://thepointsguy.com/guide/airline-status-matches-challenges/">status match</a>” policies at airlines. These allow direct transfer of loyalty status, but currently rely on a lengthy, individual-level verification process.</p> <p>For example, a design paradigm known as “<a href="https://hbr.org/2022/05/what-is-web3">Web3</a>” – where customer transactions and loyalty statuses are recorded on public, shared blockchain ledgers – offers a way to make loyalty transparent across the market.</p> <p>This would enable an enhanced, decentralised version of status match: a firm could use blockchain records to verifiably identify who its competitors’ loyal customers are, and directly incentivise them to switch.</p> <p>Both startups and established firms have experimented with building such systems.</p> <h2>What next?</h2> <p>New academic research helps us model and better understand when loyalty programs could be weakening supply side competition and undermining consumer welfare.</p> <p>A neat universal solution may prove elusive. But targeted government or industry interventions – centred on increasing the transparency of a customer’s loyalty status and letting them move it between firms – could help level the playing field between firms and consumers.<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/220669/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><a href="https://theconversation.com/profiles/alexandru-nichifor-1342216"><em>Alexandru Nichifor</em></a><em>, Associate Professor, Faculty of Business and Economics, University of Melbourne, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a> and <a href="https://theconversation.com/profiles/scott-duke-kominers-1494057">Scott Duke Kominers</a>, Sarofim-Rock Professor of Business Administration, <a href="https://theconversation.com/institutions/harvard-university-1306">Harvard 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/loyalty-programs-may-limit-competition-and-they-could-be-pushing-prices-up-for-everyone-220669">original article</a>.</em></p>

Money & Banking

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Why do airlines charge so much for checked bags? This obscure rule helps explain why

<p><em><a href="https://theconversation.com/profiles/jay-l-zagorsky-152952">Jay L. Zagorsky</a>, <a href="https://theconversation.com/institutions/boston-university-898">Boston University</a></em></p> <p>Five out of the six <a href="https://www.oag.com/blog/biggest-airlines-in-the-us">biggest U.S. airlines</a> have <a href="https://www.cnbc.com/2024/03/05/delta-is-the-latest-airline-to-raise-its-checked-bag-fee.html">raised their checked bag fees</a> since January 2024.</p> <p>Take American Airlines. In 2023, it cost US$30 to check a standard bag in with the airline; <a href="https://www.usatoday.com/story/travel/airline-news/2024/02/20/american-airlines-bag-fees-mileage-earning/72669245007/">today, as of March 2024, it costs $40</a> at a U.S. airport – a whopping 33% increase.</p> <p>As a <a href="https://www.bu.edu/questrom/">business school</a> <a href="https://www.bu.edu/questrom/profile/jay-zagorsky/">professor who studies travel</a>, I’m often asked why airlines alienate their customers with baggage fees instead of bundling all charges together. <a href="https://www.vox.com/2015/4/16/8431465/airlines-carry-on-bags">There are</a> <a href="https://www.usatoday.com/story/travel/columnist/2023/06/21/bag-fees-will-stay-a-while-cruising-altitude/70338849007/">many reasons</a>, but an important, often overlooked cause is buried in the U.S. tax code.</p> <h2>A tax-law loophole</h2> <p>Airlines pay the federal government <a href="https://www.ecfr.gov/current/title-26/chapter-I/subchapter-D/part-49/subpart-D">7.5% of the ticket price</a> when <a href="https://www.pwc.com/us/en/services/tax/library/aircraft-club-nov-2023-air-transport-excise-tax-rates-for-2024.html">flying people domestically, alongside other fees</a>. The airlines dislike these charges, with their <a href="https://www.airlines.org/dataset/government-imposed-taxes-on-air-transportation/">trade association arguing</a> that they boost the cost to the consumer of a typical air ticket by around one-fifth.</p> <p>However, the U.S. Code of Federal Regulations <a href="https://www.ecfr.gov/current/title-26/chapter-I/subchapter-D/part-49/subpart-D/section-49.4261-8">specifically excludes baggage</a> from the 7.5% transportation tax as long as “the charge is separable from the payment for the transportation of a person and is shown in the exact amount.”</p> <p>This means if an airline charges a combined $300 to fly you and a bag round-trip within the U.S., it owes $22.50 in tax. If the airline charges $220 to fly you plus separately charges $40 each way for the bag, then your total cost is the same — but the airline only owes the government $16.50 in taxes. Splitting out baggage charges saves the airline $6.</p> <p>Now $6 might not seem like much, but it can add up. Last year, passengers took <a href="https://www.transtats.bts.gov/Data_Elements.aspx?Data=1">more than 800 million trips on major airlines</a>. Even if only a fraction of them check their bags, that means large savings for the industry.</p> <p>How large? The government has <a href="https://www.bts.dot.gov/topics/airlines-and-airports/baggage-fees-airline-2023">tracked revenue from bag fees</a> for decades. In 2002, airlines charged passengers a total of $180 million to check bags, which worked out to around 33 cents per passenger.</p> <p>Today, as any flyer can attest, bag fees are a lot higher. Airlines collected over 40 times more money in bag fees last year than they did in 2002.</p> <p>When the full data is in for 2023, <a href="https://www.bts.dot.gov/baggage-fees">total bag fees</a> will likely top $7 billion, which is about $9 for the average domestic passenger. <a href="https://viewfromthewing.com/the-real-reason-airlines-charge-checked-bag-fees-and-its-not-what-you-think">By splitting out the cost of bags</a>, airlines avoided paying about half a billion dollars in taxes just last year.</p> <p>In the two decades since 2002, flyers paid a total of about $70 billion in bag fees. This means separately charging for bags saved airlines about $5 billion in taxes.</p> <p><iframe id="88MYD" class="tc-infographic-datawrapper" style="border: none;" src="https://datawrapper.dwcdn.net/88MYD/2/" width="100%" height="400px" frameborder="0"></iframe></p> <p>It seems clear to me that tax savings are one driver of the unbundling of baggage fees because of a quirk in the law.</p> <p>The U.S. government doesn’t apply the 7.5% tax to <a href="https://www.ecfr.gov/current/title-26/chapter-I/subchapter-D/part-49/subpart-D/section-49.4261-3">international flights that go more than 225 miles</a> beyond the nation’s borders. Instead, there are fixed <a href="https://www.airlines.org/dataset/government-imposed-taxes-on-air-transportation">international departure and arrival taxes</a>. This is why major airlines charge $35 to $40 <a href="https://www.aa.com/i18n/travel-info/baggage/checked-baggage-policy.jsp">for bags if you’re flying domestically</a>, but don’t charge a bag fee when you’re flying to Europe or Asia.</p> <h2>Do travelers get anything for that money?</h2> <p>This system raises an interesting question: Do baggage fees force airlines to be more careful with bags, since customers who pay more expect better service? To find out, I checked with the Bureau of Transportation Statistics, which has been <a href="https://www.bts.gov/content/mishandled-baggage-reports-filed-passengers-largest-us-air-carriersa">tracking lost luggage for decades</a>.</p> <p>For many years, it calculated the number of mishandled-baggage reports per thousand airline passengers. The government’s data showed mishandled bags peaked in 2007 with about seven reports of lost or damaged luggage for every thousand passengers. That means you could expect your luggage to go on a different trip than the one you are taking about once every 140 or so flights. By 2018, that estimate had fallen to once every 350 flights.</p> <p>In 2019, the government <a href="https://www.bts.gov/topics/airlines-and-airports/number-30a-technical-directive-mishandled-baggage-amended-effective-jan">changed how it tracks</a> mishandled bags, calculating figures based on the total number of bags checked, rather than the total number of passengers. The new data show about six bags per thousand checked get lost or damaged, which is less than 1% of checked bags. Unfortunately, the data doesn’t show improvement since 2019.</p> <p>Is there anything that you can do about higher bag fees? Complaining to politicians probably won’t help. In 2010, two senators <a href="https://www.nj.com/business/2010/04/us_senators_present_bill_to_ba.html">tried to ban bag fees</a>, and their bill went nowhere.</p> <p>Given that congressional action failed, there’s a simple way to avoid higher bag fees: <a href="https://www.cnn.com/travel/article/packing-expert-travel-world-handbag/index.html">travel light</a> and <a href="https://www.nytimes.com/2023/07/08/opinion/carry-on-packing-airlines-lost-luggage.html">don’t check any luggage</a>. It may sound tough not to have all your belongings when traveling, but it might be the best option as bag fees take off.<!-- 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/225857/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><em><a href="https://theconversation.com/profiles/jay-l-zagorsky-152952">Jay L. Zagorsky</a>, Associate Professor of Markets, Public Policy and Law, <a href="https://theconversation.com/institutions/boston-university-898">Boston University</a></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-do-airlines-charge-so-much-for-checked-bags-this-obscure-rule-helps-explain-why-225857">original article</a>.</em></p>

Travel Trouble

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Why prices are so high – 8 ways retail pricing algorithms gouge consumers

<p><em><a href="https://theconversation.com/profiles/david-tuffley-13731">David Tuffley</a>, <a href="https://theconversation.com/institutions/griffith-university-828">Griffith University</a></em></p> <p>The just-released report of the inquiry into <a href="https://pricegouginginquiry.actu.org.au/">price gouging and unfair pricing</a> conducted by Allan Fels for the Australian Council of Trades Unions does more than identify the likely offenders.</p> <p>It finds the biggest are supermarkets, banks, airlines and electricity companies.</p> <p>It’s not enough to know their tricks. Fels wants to give the Australian Competition and Consumer Commission more power to investigate and more power to prohibit mergers.</p> <p>But it helps to know how they try to trick us, and how technology has enabled them to get better at it. After reading the report, I’ve identified eight key maneuvers.</p> <h2>1. Asymmetric price movements</h2> <p>Otherwise known as <a href="https://www.jstor.org/stable/25593733">Rocket and Feather</a>, this is where businesses push up prices quickly when costs rise, but cut them slowly or late after costs fall.</p> <p>It seems to happen for <a href="https://www.sciencedirect.com/science/article/abs/pii/S0140988323002074">petrol</a> and <a href="https://www.sciencedirect.com/science/article/abs/pii/S105905601730240X">mortgage rates</a>, and the Fels inquiry was presented with evidence suggesting it happens in supermarkets.</p> <p>Brendan O’Keeffe from NSW Farmers told the inquiry wholesale lamb prices had been falling for six months before six Woolworths announced a cut in the prices of lamb it was selling as a “<a href="https://pricegouginginquiry.actu.org.au/wp-content/uploads/2024/02/InquiryIntoPriceGouging_Report_web.pdf">Christmas gift</a>”.</p> <h2>2. Punishment for loyal customers</h2> <p>A <a href="https://theconversation.com/simple-fixes-could-help-save-australian-consumers-from-up-to-3-6-billion-in-loyalty-taxes-119978">loyalty tax</a> is what happens when a business imposes higher charges on customers who have been with it for a long time, on the assumption that they won’t move.</p> <p>The Australian Securities and Investments Commission has alleged a big <a href="https://theconversation.com/how-qantas-might-have-done-all-australians-a-favour-by-making-refunds-so-hard-to-get-213346">insurer</a> does it, setting premiums not only on the basis of risk, but also on the basis of what a computer model tells them about the likelihood of each customer tolerating a price hike. The insurer disputes the claim.</p> <p>It’s often done by offering discounts or new products to new customers and leaving existing customers on old or discontinued products.</p> <p>It happens a lot in the <a href="https://www.finder.com.au/utilities-loyalty-costing-australians-billions-2024">electricity industry</a>. The plans look good at first, and then less good as providers bank on customers not making the effort to shop around.</p> <p>Loyalty taxes appear to be less common among mobile phone providers. Australian laws make it easy to switch <a href="https://www.reviews.org/au/mobile/how-to-switch-mobile-carriers-and-keep-your-number/">and keep your number</a>.</p> <h2>3. Loyalty schemes that provide little value</h2> <p>Fels says loyalty schemes can be a “low-cost means of retaining and exploiting consumers by providing them with low-value rewards of dubious benefit”.</p> <p>Their purpose is to lock in (or at least bias) customers to choices already made.</p> <p>Examples include airline frequent flyer points, cafe cards that give you your tenth coffee free, and supermarket points programs. The purpose is to lock in (or at least bias) consumers to products already chosen.</p> <p>The <a href="https://www.accc.gov.au/consumers/advertising-and-promotions/customer-loyalty-schemes">Australian Competition and Consumer Commission</a> has found many require users to spend a lot of money or time to earn enough points for a reward.</p> <p>Others allow points to expire or rules to change without notice or offer rewards that are not worth the effort to redeem.</p> <p>They also enable businesses to collect data on spending habits, preferences, locations, and personal information that can be used to construct customer profiles that allow them to target advertising and offers and high prices to some customers and not others.</p> <h2>4. Drip pricing that hides true costs</h2> <p>The Competition and Consumer Commission describes <a href="https://pricegouginginquiry.actu.org.au/wp-content/uploads/2024/02/InquiryIntoPriceGouging_Report_web.pdf">drip pricing</a> as “when a price is advertised at the beginning of an online purchase, but then extra fees and charges (such as booking and service fees) are gradually added during the purchase process”.</p> <p>The extras can add up quickly and make final bills much higher than expected.</p> <p>Airlines are among the best-known users of the strategy. They often offer initially attractive base fares, but then add charges for baggage, seat selection, in-flight meals and other extras.</p> <h2>5. Confusion pricing</h2> <p>Related to drip pricing is <a href="https://www.x-mol.net/paper/article/1402386414932836352">confusion pricing</a> where a provider offers a range of plans, discounts and fees so complex they are overwhelming.</p> <p>Financial products like insurance have convoluted fee structures, as do electricity providers. Supermarkets do it by bombarding shoppers with “specials” and “sales”.</p> <p>When prices change frequently and without notice, it adds to the confusion.</p> <h2>6. Algorithmic pricing</h2> <p><a href="https://pricegouginginquiry.actu.org.au/wp-content/uploads/2024/02/InquiryIntoPriceGouging_Report_web.pdf">Algorithmic pricing</a> is the practice of using algorithms to set prices automatically taking into account competitor responses, which is something akin to computers talking to each other.</p> <p>When computers get together in this way they can <a href="https://www.x-mol.net/paper/article/1402386414932836352">act as it they are colluding</a> even if the humans involved in running the businesses never talk to each other.</p> <p>It can act even more this way when multiple competitors use the same third-party pricing algorithm, effectively allowing a single company to influence prices.</p> <h2>7. Price discrimination</h2> <p>Price discrimination involves charging different customers different prices for the same product, setting each price in accordance with how much each customer is prepared to pay.</p> <p>Banks do it when they offer better rates to customers likely to leave them, electricity companies do it when they offer better prices for business customers than households, and medical specialists do it when they offer vastly different prices for the same service to consumers with different incomes.</p> <p>It is made easier by digital technology and data collection. While it can make prices lower for some customers, it can make prices much more expensive to customers in a hurry or in urgent need of something.</p> <h2>8. Excuse-flation</h2> <p><a href="https://www.bloomberg.com/news/articles/2023-03-09/how-excuseflation-is-keeping-prices-and-corporate-profits-high">Excuse-flation</a> is where general inflation provides “cover” for businesses to raise prices without justification, blaming nothing other than general inflation.</p> <p>It means that in times of general high inflation businesses can increase their prices even if their costs haven’t increased by as much.</p> <p>On Thursday Reserve Bank Governor <a href="https://www.afr.com/policy/economy/inflation-is-cover-for-pricing-gouging-rba-boss-says-20240215-p5f58d">Michele Bullock</a> seemed to confirm that she though some firms were doing this saying that when inflation had been brought back to the Bank’s target, it would be "much more difficult, I think, for firms to use high inflation as cover for this sort of putting up their prices."</p> <h2>A political solution is needed</h2> <p>Ultimately, our own vigilance won’t be enough. We will need political help. The government’s recently announced <a href="https://treasury.gov.au/review/competition-review-2023">competition review</a> might be a step in this direction.</p> <p>The legislative changes should police business practices and prioritise fairness. Only then can we create a marketplace where ethics and competition align, ensuring both business prosperity and consumer wellbeing.</p> <p>This isn’t just about economics, it’s about building a fairer, more sustainable Australia.<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/223310/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><a href="https://theconversation.com/profiles/david-tuffley-13731"><em>David Tuffley</em></a><em>, Senior Lecturer in Applied Ethics &amp; CyberSecurity, <a href="https://theconversation.com/institutions/griffith-university-828">Griffith 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/why-prices-are-so-high-8-ways-retail-pricing-algorithms-gouge-consumers-223310">original article</a>.</em></p>

Money & Banking

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Alec Baldwin facing new charges over fatal Rust shooting

<p dir="ltr">Alec Baldwin has been charged with involuntary manslaughter for a second time over the fatal shooting of Halyna Hutchins on the set of the movie <em>Rust</em>. </p> <p dir="ltr">The Hollywood legend has been indicted by a grand jury in New Mexico over the death of the 42-year-old cinematographer, who was hit with a live bullet that had been loaded into a prop gun for a scene. </p> <p dir="ltr">“The above named defendant did cause the death of Halyna Hutchins by an act committed with the total disregard of indifference for the safety of others,” the indictment obtained by <em><a href="https://nypost.com/2024/01/19/news/alec-baldwin-charged-with-involuntary-manslaughter-over-rust-shooting/">The Post</a> </em>read.</p> <p dir="ltr">Baldwin has long denied the charges, and has stood by his claim that he did not pull the trigger on the day of the accident. </p> <p dir="ltr">Baldwin had previously been charged with the same crime by the Santa Fe district attorney in January 2022.</p> <p dir="ltr">He pleaded not guilty at the time, but the case soon fell apart and the charges were dropped in April that year after it was determined that further forensic testing needed to be done on the weapon that fired the bullet.</p> <p dir="ltr">Despite the case being dismissed, the DA was clear that the door would be left open to refile the charges.</p> <p dir="ltr">Prosecutors have also charged <em>Rust</em> armourer Hannah Gutierrez-Reed, who oversaw the weapons on the movie set, with the same crime.</p> <p dir="ltr">She has also pleaded not guilty and is awaiting trial. </p> <p dir="ltr">If convicted, Baldwin could face up to 18 months in prison.</p> <p dir="ltr"><em>Image credits: Getty Images</em></p>

Legal

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Eye-watering price tag for "remarkable" first class Titanic menu

<p>A first class dinner menu from the Titanic has been found and sold at an auction in England for £84,000 (around $162,000 AUD) on November 11. </p> <p>The water-stained menu was dated April 11, 1912 just three days before the ship hit an iceberg, ultimately meeting it's ill-fated end causing over 1500 deaths. </p> <p>Wealthy passengers at the time were spoiled with choice, with oysters, salmon, beef, squab (baby pigeon), spring lamb among other dishes on the menu, and that's not including dessert. </p> <p>Auctioneers Henry Aldridge &amp; Son said it was unclear how the menu made it off the ship intact, but the slight water damage suggests that it was recovered from the body of a victim. </p> <p>The rare artefact, which is over 111 years old belonged to amateur historian Len Stephenson, from Nova Scotia, Canada, who passed away in 2017. </p> <p>No one knew he had it, including his family, who only discovered it after going through his belongings following his death. </p> <p>“About six months ago his daughter and his son-in-law, Allen, felt the time was right to go through his belongings,” auctioneer Andrew Aldridge said. </p> <p>“As they did they found this menu in an old photo album.</p> <p>“Len was a very well thought-of historian in Nova Scotia which has strong connections with the Titanic. The body recovery ships were from Nova Scotia and so all the victims were taken back there.</p> <p>“Sadly, Len has taken the secret of how he acquired this menu to the grave with him.”</p> <p>Stephenson worked at a post office and would talk to people, collect old pictures and write letters for them, which might be how he got the rare artefact. </p> <p>According to the auctioneer, no other first class dinner menus dated April 11, 1912 have been recovered from the titanic making this “a remarkable survivor from the most famous Ocean liner of all time”.</p> <p>“There are a handful of April 14 menus in existence but you just don’t see menus from April 11. Most of them would have gone down with the ship,” Aldridge said. </p> <p>“Whereas with April 14 menus, passengers would have still had them in their coat and jacket pockets from earlier on that fateful night and still had them when they were taken off the ship," he added. </p> <p>A few other items recovered from the Titanic were also sold, including a Swiss-made pocket watch recovered from passenger Sinai Kantor which fetched £97,000 (around $187,000 AUD). </p> <p>A tartan-patterned deck blanket, which was likely used during the rescue operation also sold for £96,000 (around $185,000). </p> <p><em>Images: Henry Aldridge &amp; Son of Devizes, Wiltshire</em></p>

Cruising

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Why this pilot was charged with 83 counts of attempted murder

<p>An off-duty pilot, identified as Joseph David Emerson, has been charged with 83 counts of attempted murder following an alleged attempt to crash an Alaska Airlines flight en route to San Francisco.</p> <p>The incident unfolded as Flight 2059, operated by Horizon Air, took off from Everett, Washington, shortly before 5:30pm local time on a seemingly routine Sunday evening. However, what transpired mid-flight left passengers and the aviation community in disbelief.</p> <p>Emerson, who was sitting in the cockpit's jump seat behind the captain and first officer, reportedly attempted to activate the jet's fire suppression system. This system, when triggered, would have closed a valve in the wing to cut off the flow of fuel to the engines. The consequences of such an act could have been catastrophic, potentially leading to a loss of engine power and a potentially fatal crash.</p> <p>The vigilant crew of Flight 2059, including the captain and first officer, quickly responded to subdue Emerson, preventing the activation of the fire suppression system. Their swift actions were pivotal in averting a potential disaster. The aircraft was forced to make an emergency diversion to Portland International Airport, where Emerson was taken into custody by the Port of Portland Police. Thankfully, no injuries were reported during this harrowing incident.</p> <p>The charges against Emerson are nothing short of severe. The Multnomah County District Attorney's Office has confirmed that he faces 83 counts of attempted murder in the first degree, 83 counts of recklessly endangering another person, and one count of endangering an aircraft in the first degree. Emerson is currently held in custody at the Multnomah County Detention Centre in Portland, Oregon, awaiting arraignment.</p> <p>The investigation into this troubling incident is ongoing, with local, state and federal law enforcement agencies collaborating to determine the motive behind Emerson's actions. When interviewed by police, Emerson said he had a “nervous breakdown” after not sleeping for 40 hours and stated he had taken psychedelic mushrooms for the first time.</p> <p>“I didn’t feel okay. It seemed like the pilots weren’t paying attention to what was going on. They didn’t … it didn’t seem right,” Emerson told police, according to an affidavit. </p> <p>The affidavit does not state whether Emerson was under the influence of the mushrooms while on the plane, but he later added: “I pulled both emergency shut off handles because I thought I was dreaming and I just wanna wake up.”</p> <p>The Federal Aviation Administration (FAA) has also become involved in the case, supporting investigations into the incident. The Air Line Pilots Association International (ALPA) commended the flight crew for their swift response, emphasising the priority of safety for the flying public and crews. ALPA noted that the airline pilot profession is one of the most highly vetted and scrutinised careers, with pilots undergoing continuous evaluations throughout their careers through training and medical exams.</p> <p>Emerson's pilot certification, which was updated just last month, underscores the importance of self-reporting any mental health conditions for aviators. This aspect of the case will likely be closely examined as part of the ongoing investigation.</p> <p>In a statement, the Portland office of the FBI assured the traveling public that there is no continuing threat related to this incident. While the shocking episode has left many questions unanswered, it serves as a testament to the professionalism and dedication of flight crews in ensuring passenger safety, even in the face of such extraordinary challenges.</p> <p><em>Images: Facebook / FlightAware</em></p>

Travel Trouble

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"Entitled" couple slammed for charging guests almost $4K to attend wedding

<p>A daring UK couple has taken being frugal to the next level by charging their guests £2,000 (AUD $3,806) to attend their wedding.</p> <p>The couple's antics have gone viral on Reddit after one of the guests shared the bewildering experience online</p> <p>The guest claimed that he received an email prior to the wedding with a link that read, "Click here for payment."</p> <p>Assuming it was a link for a honeymoon fund, the guest clicked on it only to discover the couple's ridiculous request for nearly £2,000. </p> <p>The generous guest decided to humour the couple and paid the fee, hoping that he would be able to enjoy the free bar and indulge in the wedding feast, to reap some of the benefits of his investment. </p> <p>It's not surprising that the couple, who asked their guests to pay for their wedding, also charged them for drinks. After spending nearly £2,000, the wedding guest also had to pay an additional £30 (AUD $57) on drinks.</p> <p>After doing the maths, the guest concluded that the wedding venue's cost had been evenly distributed among them - so the couple essentially enjoyed a free wedding thanks to their friends and family.</p> <p>This sparked outrage among other Reddit users who were in disbelief over the couple's "entitlement". </p> <p>"I'm sorry (not sorry), but I would never pay to attend a wedding, let alone pay £2000. The entitlement is overflowing here!" commented one person</p> <p>"I'd reach out to the bride and groom for a refund," wrote another. </p> <p>"Your friend and every other guest were absolute suckers for going along with this scheme," another brutally honest user added. </p> <p>Another user criticised the couple for not providing drinks for their generous guests. </p> <p>"I don't have anything against dry weddings but surely you can offer something other than just water."</p> <p>"As soon as I saw that payment screen, I'd have cancelled my RSVP. Regardless of the bride and groom's relationship, if you want a particular type of wedding, foot the bill yourself," another user commented.</p> <p>"Their approach was simply tacky."</p> <p><em>Image: Getty</em></p>

Relationships

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Princess Di's black sheep jumper sells for 14 times over asking price

<p>Princess Diana's famous "black sheep" jumper has sold at auction for more than $1.1million.   </p> <p>The iconic red and white (and one tiny bit of black, of course!) jumper fetched precisely $1,143,000 at Sotheby's in New York - making it the most expensive piece of clothing owned by the former Princess of Wales to sell at auction, as well as the most expensive jumper to ever be sold at auction. </p> <p>There were a total of 44 bids within the final 15 minutes of a two-week online bidding process for the famous item of clothing - during which the bidding leapt from $190,000 to $1,143,000, which ultimately pushed the sale to a staggering 14 times over the initial asking price of $80,000.  </p> <p>The woollen jumper was worn by Lady Di to a polo match in Windsor in June 1981, just one month before she married the then-Prince Charles. </p> <p>Soon after Diana wore the garment, it was returned to Sally Muir and Joanna Osborne, founders of the label Warm &amp; Wonderful because of a tear at the cuff.</p> <p>It was sent back to the designers along with a note from Buckingham Palace, requesting that the jumper be either repaired or replaced.</p> <p>A new jumper was knitted for Diana, with Osborne believing the original garment had been lost after the replacement was sent to the Princess of Wales, which she wore to another polo match in 1983. </p> <p>However, Osborne later discovered the jumper, which had been preserved underneath an old cotton bedspread, while searching her attic looking for an old pattern. </p> <p>She got in touch with Sotheby's auction house which gave the garment an auction estimate of around $80,000 - $120,000.</p> <p>Speaking to <em>The Telegraph UK</em>, Osborne said, "We didn't think we had any of the original sheep jumpers, because at the time, we were so desperate to complete orders that we never owned one ourselves, so I couldn't believe I'd found the original Diana sheep jumper."</p> <p>"It took a while to sink in. And we're so lucky it's not fallen to pieces."</p> <p>Sotheby's said of the now-iconic design, "The Black Sheep sweater is one of the most iconic pieces worn by Princess Diana to ever come to market."</p> <p>"The cultural impact of this moment from the 1980s is exemplified by the head of Rowing Blazers, Jack Carlson, who in 2020, requested to partner with the original designers and license the sheep design to be reproduced for his own fashion line."</p> <p>"Since stumbling upon the sweater ... we have been reliving the fond memories of Princess Diana appearing on the front pages of every newspaper in 1981, wearing our very own sweater.  </p> <p>"While we are forever indebted to her for the impact this had on our business, our deepest appreciation lies in the knowledge that she shared a unique connection to the black sheep design. We are thrilled that this cherished sweater has now found a new home, carrying with it the enduring legacy of Princess Diana."</p> <p><em>Images: Getty</em></p>

Beauty & Style

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Why you need to stop charging your phone overnight

<p><strong>You charge your phone all night </strong></p> <p>Waking up to a fully charged phone may seem like a great way to start the day, but leaving your device plugged in overnight is a bad idea. When a phone has reached 100 per cent charge, it will continue to get trickle charges to keep it topped up at 100 percent. </p> <p>These extra charges keep the battery working non-stop. In fact, it’s better not to fully charge lithium-ion batteries because high voltage stresses the battery and wears it out over time, according to technology company Cadex.</p> <p><strong>You use vibrations for notifications</strong></p> <p>Your phone, like any other tool or device, ages and loses effectiveness the more you use it, says David Steele, the Director of Business Development for EverydayPhone. So little extras, like vibrating notifications, are habits that make your phone’s job harder. </p> <p>“The issue with these habits essentially boils down to having your phone constantly running at full capacity when it’s unnecessary,” Steele says. “Just like us, a phone needs a break to avoid burning out.”</p> <p><strong>You keep apps open that you're not using</strong></p> <p>Unused apps can eat up the battery life of smartphones, according to Andrew Moore-Crispin, the Director of Content at Ting Mobile. “If you open an app once and never use it again, the app might still run in the background,” he says.</p> <p>Swiping out of apps you aren’t using or no longer need is an easy solution. Moore-Crispin says doing so extends the battery life of your phone while also freeing up valuable storage space, too.</p> <p><strong>You allow unnecessary permissions</strong></p> <p>Ride-sharing apps need your location to pick you up, but other apps might not need this permission. Moore-Crispin suggests you be picky about which apps you grant such permissions to and take away permissions you deem unnecessary.</p> <p><strong>You have one of these apps</strong></p> <p>The apps that drain your battery the most are Snapchat, Google Maps, Netflix, Amazon, and Facebook, according to AdWeek. The Guardian found that uninstalling the Facebook mobile app from Android phones saves people up to 20 percent of their battery life. </p> <p>If you also get rid of the FB Messenger app, other app load times could speed up by 15 per cent, per the Guardian. The reason Facebook particularly kills battery life is because it keeps running in the background – even when you’re not using it, Business Insider reports.</p> <p><strong>Your screen is always extremely bright </strong></p> <p>Gone are the days of tiny phone screens, but before you give the thumbs up emoji, understand how the bigger screens of today can be a phone battery’s worst enemy, according to Moore-Crispin. Make sure you turn on adaptive brightness in the display menu. </p> <p>This change means your phone will automatically adjust the screen brightness to match your environment. As a bonus, set the brightness level to the lowest possible and lower your screen’s timeout, which is what determines how long it stays lit before fading when it goes idle.</p> <p><strong>You keep your phone out at the beach</strong></p> <p>Extreme heat or extreme cold temperatures and other weather conditions can shorten the life of your phone. According to Time, excess heat can cause everything from data loss or corruption to battery leakage. Cold weather presents just as many issues. In cold temperatures, some smartphones shut off, have display problems, or run out of battery; in rare cases screens may shatter.</p> <p><strong>You keep your phone in your bed or under your pillow </strong></p> <p>Tucking your phone under your pillow when you sleep is another way to shorten its life, thanks to heat build-up.</p> <p><strong>You don't keep your software up to date</strong></p> <p>utting off device updates does more harm than good for your phone. iPhone and Android makers push updates to make your user experience better and so that your phone functions properly. These updates come with extra benefits, too. In fact, if your device has a weak battery or other issues, these software updates could remedy them, Popular Science reports. Make sure to keep up with app-specific updates as well.</p> <p><em>Image credits: Getty Images</em></p> <p><em>This article originally appeared on <a href="https://www.readersdigest.co.nz/home-tipsscience-technology/why-you-need-to-stop-charging-your-phone-overnight" target="_blank" rel="noopener">Reader's Digest</a>. </em></p>

Technology

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Junk fees and drip pricing: the underhanded tactics we hate yet still fall for

<p><em><a href="https://theconversation.com/profiles/ralf-steinhauser-1459112">Ralf Steinhauser</a>, <a href="https://theconversation.com/institutions/australian-national-university-877">Australian National University</a></em></p> <p>You see a fantastic offer, like a hotel room. You decide to book. Then it turns out there is a service fee. Then a cleaning fee. Then a few other extra costs. By the time you pay the final price, it is no longer the fantastic offer you thought.</p> <p>Welcome to the world of drip pricing – the practice of advertising something at an attractive headline price and then, once you’ve committed to the purchase process, hitting you with unavoidable extra fees that are incrementally disclosed, or “dripped”.</p> <p>Drip pricing – a type of “junk fee” – is notorious in event and travel ticketing, and is creeping into other areas, such as movie tickets. My daughter, for example, was surprised to find her ticket to the Barbie movie had a “booking fee”, increasing the cost of her ticket by 13%.</p> <p>It seems like such an annoying trick that you may wonder why sellers do it. The reason is because it works, due to two fundamental cognitive biases: the way we value the present over the future; and the way we hate losses more than we love gains.</p> <h2>Present bias preference: why starting over feels too costly</h2> <p>In the case of booking that hotel room, you could abandon the transaction and look for something cheaper once the extra charges become apparent. But there’s a good chance you won’t, due to the effort and time involved.</p> <p>This is where the trap lies.</p> <p>Resistance to the idea of starting the search all over again is not simply a matter of laziness or indecision. There’s a profound psychological mechanism at play here, called a present-bias preference – that we value things immediately in front of us more than things more distant in the future.</p> <p>In their seminal 1999 paper, <a href="https://doi.org/10.1257/aer.89.1.103">Doing it now or later</a>, economists Mathew Rabin and Ted O'Donoghue define present-biased preference as “the human tendency to grab immediate rewards and to avoid immediate costs”.</p> <p>They give the example of choosing between doing seven hours of unpleasant activity on April 1 or eight hours two weeks later. If asked about this a few months beforehand, most people will choose the earlier option. “But come April 1, given the same choice, most of us are apt to put off work till April 15.”</p> <p>In simple terms, the inconvenience and effort of doing something “right now” often feels disproportionately large.</p> <p>Drip pricing exploits this cognitive bias by getting you to make a decision and commit to the transaction process. When you’re far into a complicated booking process and extra prices get added, starting all over again feels like a burden.</p> <p>Often enough, this means you’ll settle for the higher-priced hotel room.</p> <h2>Loss aversion: buying more expensive tickets</h2> <p>Beyond the challenge of starting over, there’s another subtle force at work when it comes to our spending decisions. Drip pricing doesn’t just capitalise on our desire for immediate rewards; it also plays on our innate fear of losing out.</p> <p>This second psychological phenomenon that drip pricing exploits is known as loss aversion – that we feel more pain from losing something than pleasure from gaining the same thing.</p> <p>The concept of loss aversion was first outlined by economists Daniel Kahneman and Amos Tversky in <a href="https://www.jstor.org/stable/1914185">a 1979 paper</a> that is the third most-cited article in economics.</p> <hr /> <figure class="align-center "><img src="https://images.theconversation.com/files/543635/original/file-20230821-25-mca6ku.png?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=754&amp;fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/543635/original/file-20230821-25-mca6ku.png?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=600&amp;h=497&amp;fit=crop&amp;dpr=1 600w, https://images.theconversation.com/files/543635/original/file-20230821-25-mca6ku.png?ixlib=rb-1.1.0&amp;q=30&amp;auto=format&amp;w=600&amp;h=497&amp;fit=crop&amp;dpr=2 1200w, https://images.theconversation.com/files/543635/original/file-20230821-25-mca6ku.png?ixlib=rb-1.1.0&amp;q=15&amp;auto=format&amp;w=600&amp;h=497&amp;fit=crop&amp;dpr=3 1800w, https://images.theconversation.com/files/543635/original/file-20230821-25-mca6ku.png?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=754&amp;h=624&amp;fit=crop&amp;dpr=1 754w, https://images.theconversation.com/files/543635/original/file-20230821-25-mca6ku.png?ixlib=rb-1.1.0&amp;q=30&amp;auto=format&amp;w=754&amp;h=624&amp;fit=crop&amp;dpr=2 1508w, https://images.theconversation.com/files/543635/original/file-20230821-25-mca6ku.png?ixlib=rb-1.1.0&amp;q=15&amp;auto=format&amp;w=754&amp;h=624&amp;fit=crop&amp;dpr=3 2262w" alt="A graphic representation of loss aversion. The pain from losing a good or service will be greater than the pleasure from gaining the same good or service." /><figcaption><span class="caption">How economists Daniel Kahneman and Amos Tversky graphically represented loss aversion. The pain from losing a good or service is greater than the pleasure from gaining the same good or service.</span> <span class="attribution"><span class="source">Daniel Kahneman and Amos Tversky, Prospect Theory: An Analysis of Decision under Risk, Econometrica, Vol. 47, No. 2</span></span></figcaption></figure> <hr /> <p>Drip pricing exploits this tendency, by dragging us away from more “rational” choices.</p> <p>Imagine you’re booking tickets for a show. Initially attracted by the observed headline price, you are now presented with different seating categories. Seeing the “VIP” are within your budget, you decide to splurge.</p> <p>But then, during the checkout process, the drip of extra costs begins. You realise you could have opted for lower-category seats and stayed within your budget. But by this stage you’ve already changed your expectation and imagined yourself enjoying the show from those nice seats.</p> <p>Going back and booking cheaper seats will feel like a loss.</p> <h2>Do consumers need protection?</h2> <p>Empirical evidence supports the above theoretical predictions about the impact of drop pricing on consumers.</p> <p><a href="https://doi.org/10.1002/mar.21426">A 2020 study</a> quantified how much consumers dislike the lack of transparency in drip pricing (based on tracking the reactions of 225 undergraduates using fictional airline and hotel-booking websites). The authors liken the practice to the “taximeter effect” – the discomfort consumers feel watching costs accumulate.</p> <p>But drip pricing’s effectiveness from a seller’s perspective is undeniable. A <a href="https://doi.org/10.1016/j.jebo.2020.04.007">experimental study</a> published in 2020 found drip pricing generates higher profits while lowering the “consumer surplus” (the benefit derived from buying a product or service). A <a href="https://doi.org/10.1287/mksc.2020.1261">2021 analysis</a> of data from StubHub, a US website for reselling tickets, calculated drip pricing increased revenue by 20%.</p> <p>Which is why the tactic remains attractive to businesses despite customers disliking it.</p> <p>Buyers would benefit from a ban of drip pricing. Many countries are taking steps to protect consumers from drip pricing.</p> <p>The UK government, for example, announced a <a href="https://www.theguardian.com/business/2023/aug/21/growth-of-airlines-add-on-fees-sparks-calls-for-price-reforms">review of drip pricing</a> in June, with Prime Minister Rishi Sunak flagging the possibility of measures to curb the practice. The US government is also considering <a href="https://www.whitehouse.gov/briefing-room/statements-releases/2023/06/15/president-biden-recognizes-actions-by-private-sector-ticketing-and-travel-companies-to-eliminate-hidden-junk-fees-and-provide-millions-of-customers-with-transparent-pricing/">new regulations</a>, with President Joe Biden denouncing “junk fees” in his <a href="https://www.whitehouse.gov/briefing-room/speeches-remarks/2023/02/07/remarks-of-president-joe-biden-state-of-the-union-address-as-prepared-for-delivery/">2023 State of the Union address</a>. Proposed changes include requiring airlines and online booking services to disclose the full ticket price upfront, inclusive of baggage and other fees.</p> <p>The effectiveness of measures, however, is <a href="https://papers.ssrn.com/sol3/papers.cfm?abstract_id=4430453">still being debated</a>.</p> <p>In the meantime, your principal protection is making a more informed decision, by understanding why the tactic works. Bargains may attract you, but you can learn to not fall for hidden costs and align your choices with your budget and values.<!-- 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/211117/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><em><a href="https://theconversation.com/profiles/ralf-steinhauser-1459112">Ralf Steinhauser</a>, Senior Research Fellow, <a href="https://theconversation.com/institutions/australian-national-university-877">Australian National University</a></em></p> <p><em>Image credits: Getty </em><em>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/junk-fees-and-drip-pricing-the-underhanded-tactics-we-hate-yet-still-fall-for-211117">original article</a>.</em></p>

Money & Banking

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The top 11 situations to always haggle for a lower price

<p><strong>Mortgage rates</strong></p> <p>Buying a new home is probably the biggest purchase you will make over the course of your life, so every last penny you can save is worth it. “Borrowers should shop their business around to many banks/lenders to see what rates are available,” says mortgage broker Ade Labinjo. “Then use the rates obtained to pit the banks against each other for the purpose of either matching or driving down the rates they were quoted.” </p> <p>Labinjo says that by getting at least one extra quote rate, the average borrower could save up to $1,500. Never settle for the initial quote rate that the bank offers you – haggle for a better price because chances are, they’re not giving you their absolute best offer upfront.</p> <p><strong>Flea markets, farmers markets, garage sales</strong></p> <p>At flea markets, farmers markets, and garage sales the sellers typically set their own price. If you know how to haggle, this is a great opportunity to get a really good deal. Also, see if buying in bulk or large quantities can get you a price reduction.</p> <p><strong>Hotel rooms</strong></p> <p>Hotels want their rooms filled, so it never hurts to haggle with the people at the front desk for a better price or room upgrades. “Hotels have to pay a commission to booking websites, and pass on some of that as a benefit to the user,” says Saurabh Jindal, founder of Talk Travel. </p> <p>If you find that the price is the same on the booking website and the hotel’s website, ask the hotel for a room with a better view or more amenities. “Hotels have rooms allocated to various booking platforms and may give you a better option which has not yet been sold.”</p> <p><strong>Memberships</strong></p> <p>Memberships always come along with extra fees. It might be a renewal fee, startup fee, or a maintenance fee if it’s your gym membership. Ask if they can waive some of the fees or threaten to cancel and go somewhere else. They want to keep making money off of you and might just give you a discount.</p> <p><strong>Lease renewal </strong></p> <p>If you’re considering re-signing your lease, know that it is most likely more expensive for the landlord to prepare your apartment for a new tenant than to lease to you for another year. If you’ve had a good relationship with your landlord, try to negotiate in a deal before you re-sign. If the landlord is going to increase your rent, ask if you can increase it by less or not at all. If you consistently pay rent on time, are a respectful neighbour, and take good care of your apartment they may keep your rent from increasing.</p> <p>It’s important to remember who your lease is with though, says Julie Ramhold, Consumer Expert at DealNews.com. If your apartment is owned by a management company, they probably won’t offer any wiggle room. But, if you’re renting from a single landlord or owner, try negotiating for a lower price.</p> <p><strong>Online selling platforms </strong></p> <p>People who post items for sale online are typically moving or looking to get rid of unwanted items. Use that to your advantage and ask for a lower price – the worst they can say is no. You could also offer to come and pick it up quickly if they give you a better deal.</p> <p><strong>Internet and phone bill</strong></p> <p>As annoying as your internet and phone provider may be, they don’t want to lose you as a customer. “If you’re signing up or looking to renew, sometimes you can get a lower rate by telling a rep what the competitor is offering and saying it works better with your budget,” says Ramhold. </p> <p>A lot of cable companies give you a promotional price for your first year, make sure to call right before the price goes up for your second year. The competitors will most likely offer better prices for new customers and that can work in your advantage and possibly get you a better deal with your current provider.</p> <p><strong>Insurance rates</strong></p> <p>Just like internet providers, insurance companies don’t want you to switch to a different provider. “Use your customer loyalty to your advantage and try to talk to the right person on the phone,” says Kelan Kline a personal finance expert and co-founder of The Savvy Couple. “Tell them the service you are receiving is not good enough for the price.” They might offer you a discount to keep you.</p> <p><strong>Home services</strong></p> <p>If you’re renovating your kitchen or getting some landscaping done, make sure to shop around and get a few different quotes first. Use those quotes to negotiate with the contractor you want to work with. Also, you may be able to haggle for a better price if you offer to pay upfront in cash or schedule a contractor during the winter months when business is typically slower.</p> <p><strong>Jewellery</strong></p> <p>“You should know that the markup on diamond jewellery is anywhere from 50 to 200 per cent and more,” says Chhavi Agarwal, a personal finance expert. There is always room for haggling. Agarwal suggests politely making a counteroffer. You’d be surprised the changes they are willing to make to the bill. If they refuse to come down in price, try to haggle the labour charges.</p> <p><strong>Returned items </strong></p> <p>Never miss an opportunity to haggle for a better price on items that have been returned to stores. Stores will typically mark returned items that have been slightly used or have a ding with a price reduction, but it doesn’t hurt to ask for more off. They know that items that have already been opened aren’t as appealing to customers and they want to get them sold.</p> <p><em>Image credits: Getty Images</em></p> <p style="box-sizing: border-box; border: 0px; margin: 0px 0px 20px; outline: 0px; padding: 0px; vertical-align: baseline; line-height: 26px;"><em>This article originally appeared on <a href="https://www.readersdigest.co.nz/food-home-garden/money/11-times-you-should-always-haggle-for-a-better-price?pages=1" target="_blank" rel="noopener">Reader's Digest</a>. </em></p>

Money & Banking

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

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

Home Hints & Tips

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Dog lovers rejoice after "greedy" serial puppy farmer handed life ban

<p dir="ltr">A serial puppy offender has faced sentencing over 17 charges of animal cruelty, with both a lifetime ban and thousands of dollars in fees included in her punishment. </p> <p dir="ltr">The 51-year-old woman from Bullsbrook, a northern suburb in Perth, had been breeding sick dogs in squalid conditions while charging their potential new owners thousands of dollars, and has now been banned from owning or breeding any more dogs for the rest of her life. </p> <p dir="ltr">For her cruel actions, the Perth Magistrates Court handed her a “10-month prison sentence, suspended for 18 months, $25,000 in fines and an 18-month Intensive Supervision Order.”</p> <p dir="ltr">Additionally, the repeat offender - who has been in custody since April 14 after breaching the conditions of her bail - was also ordered to pay $24,279.11 in legal costs, as well as care and treatment costs totalling $18,241.01.</p> <p dir="ltr">The charges were in relation to 23 dogs who were seized from her property in June 2020 - with sought-after breeds including the likes of Maltese, shih-tzus, poodles, and cavalier King Charles spaniels among them.</p> <p dir="ltr">It wasn’t her first offence - instead her fourth - but her most recent was in 2014 when the RSPCA found 50 dogs at her former home, with 12 of the animals “hidden in a bunker three metres underground”. </p> <p dir="ltr">This time around, she had been trying to conceal her crimes. As the court heard in December, she has been moving the dogs between three different Bullbrook addresses in a bid to avoid detection.</p> <p dir="ltr">It was a display of “callous disregard or at least wilful blindness,” Magistrate Janie Gibbs said. </p> <p dir="ltr">RSPCA WA had launched their investigation into her after a member of the public reported their concerns - they had been trying to purchase a puppy through Gumtree, and had grown suspicious when they were informed they couldn’t visit the dog at home. </p> <p dir="ltr">From there, RSPCA WA seized 32 dogs from the woman’s property - of which there were four adult males, 19 adult females, and nine puppies - with the majority of them showing signs of being “underweight, unkempt, or unwell”, and nearly all of them suffering from “ear infections and/or dental disease and … matted, overgrown hair”.</p> <p dir="ltr">Two did not survive, and five of them were pregnant, giving birth to 22 more puppies in the weeks to follow. All have been in the foster care of RSPCA WA while the case went on. </p> <p dir="ltr">As RSPCA WA Executive Manager Animal and Enforcement Operations Hannah Dreaver explained, the woman responsible had been operating a profit-driven business, and had been placing her income well above the welfare of the dogs in her care.</p> <p dir="ltr">“This included using several locations to hide this operation from both authorities and potential puppy buyers,” she added.</p> <p dir="ltr">“All were popular breeds selling for thousands of dollars. These dogs were making her a fortune and she was treating them as nothing more than money-making machines, having litter after litter without proper care.</p> <p dir="ltr">“Please, if you want to get a dog, consider adoption from the RSPCA or another reputable rescue organisation first. If you do decide to buy a puppy, never buy online and never buy sight unseen. </p> <p dir="ltr">“Always meet your new puppy and its mum in the home where it’s being raised.”</p> <p dir="ltr"><em>Images: RSPCA WA</em></p>

Family & Pets

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Murder charge levelled at children's book author

<p>Author Kouri Richins wrote a children’s book on grief following the death of her husband in 2022. She is now being charged with his murder.</p> <p>Richins was arrested on May 7 in Utah and is accused of charging documents of poisoning her husband with a lethal dose of fentanyl at their home in Kamas, a small mountain town near Park City.</p> <p>Prosecutors allege Richins called authorities in the middle of the night in March 2022 to report that her husband, Eric Richins, was “cold to the touch”.</p> <p>The mum-of-three told authorities she had made her husband a mixed vodka drink to celebrate him selling a home and then went to soothe one of their children in their bedroom. She later returned and found her husband unresponsive, which prompted her to call 911.</p> <p>A medical examiner later found five times the lethal dosage of fentanyl in his system.</p> <p>Additionally, Richins is facing charges involving the alleged possession of GHB - a narcolepsy drug typically used in recreational settings, including at dance clubs.</p> <p>The charges, which are based on officers’ interactions with Richins that evening and the account of an “unnamed acquaintance” who claimed to have sold her the fentanyl, come two months after Richins appeared on local television to promote Are You With Me, a picture book she wrote to help children cope with the death of a loved one.</p> <p>For a segment called Good Things Utah, Richins referred to her husband’s death as unexpected and explained how it sent her and her three boys spiralling. In terms of children, she said, grieving was about “making sure that their spirit is always alive in your home”.</p> <p>“It’s ... explaining to my kid just because he’s not present here with us physically, doesn’t mean his presence isn’t here with us,” she told the reporters, who commended her for being an amazing mother.</p> <p>Richins’ lawyer, Sky Lazaro, declined to comment on the charges.</p> <p><em>Image credit: Instagram</em></p>

Legal

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7 mental shifts to get yourself out of a rut

<p>If you are stuck in a mental rut you can feel frustrated that your life seems to be harder than it should be. It can feel as though the world is against you, making things more difficult with each passing day.</p> <p>But did you know that you have the power within you to turn this around, simply by changing the way that you think about things?</p> <p>It is your mind that determines whether you feel happy or not, and with some training you can flip the switch to give yourself a more positive outlook.</p> <p><strong>1. Think about what makes you happy</strong></p> <p>Think of the last five things that made you truly happy and note them down. Remember that what makes you happy can be completely different to someone else, as each of us is unique. See if you can see a pattern of behaviours that led to this happy outcome, and replicate them into other areas of your life. It might be getting outdoors more often, or catching up with friends regularly who make you laugh.</p> <p><strong>2. Determine what is really important to you</strong></p> <p>If you are continually feeling down after a specific event (such as visiting an old friend, or doing a task such as house maintenance), note this down. Think about ways that you can change the situation – for instance some old friendships may have run their course and it may be time to call it a day. Or perhaps the old house that you love that’s falling apart at the seams is too much work for you and so calling in a professional to help maintain it could be an option.</p> <p><strong>3. Think about how you spend your time</strong></p> <p>Being stuck in a job that you hate, or living in a town that you no longer love can be a happiness killer. By determining how you want to spend your time, you may find that your skills and time could be better used in another way. Perhaps it’s time to think about retirement or finding a new job. Maybe now is the time to think about the sea-change you’ve always dreamed about. Doing something that you’re passionate about is a sure fire way to improve your happiness levels.</p> <p><strong>4. Make connections within your relationships.</strong></p> <p>Most of us have people around us who care about our health and well-being. Yet we can end up shutting them out when we feel down in a rut, as it seems as though there is no way out. Now is the time to reach out to the people in your life, and ask for help. Being too proud won’t get you out of the downward spiral, so bite the bullet and be honest about how you are feeling.</p> <p><strong>5. Think of your problems from a new angle</strong></p> <p>It’s hard for our brains to tell the difference between the stress of a job and the stress of being chased by a lion. Perspective is what can give you the edge to shake off the bad feelings. So think about what is troubling you in another way to see whether you can turn things around. If a friend came to you and told you the same issues were happening to them, what advice would you give them? Often thinking about problems in this way can give you a new insight.</p> <p><strong>6. Think of depression as a symptom, not a life sentence.</strong></p> <p>For many of us, the idea of having depression can feel like a label that can be hard to shake off. But in fact, depression can simply be seen as a sign from the body that something is not quite right. Think of depression as a starting point for discovering what is at the heart of your mental rut. Take the time to think about what could be causing the pain and then take the steps to set things straight.</p> <p><strong>7. Notice and address defence mechanisms</strong></p> <p>Many of us have certain ways that we deal with bad feelings – turning to food, alcohol, or perhaps drugs. But when it gets to a point where we are using these vices to push feelings away that make us uncomfortable, it can become a problem. Note when you feel yourself turning to these things and think about some healthier alternatives. Could you go for a walk instead? Call an old friend for a chat? Before you let the addictions take hold, think about how you can redirect the feelings into a more positive space.</p> <p><em>Images: Getty</em></p>

Mind

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Family Feud contestant charged with wife’s murder

<p dir="ltr">A former contestant on Family Feud has been charged with two counts of first-degree murder and home invasion over the death of his estranged wife.</p> <p dir="ltr">Timothy W. Bliefnick, 39, was charged on March 13 in relation to the suspicious death of his former spouse, Rebecca Bliefnick, 41, who was found dead in her home on February 23, according to court documents.</p> <p dir="ltr">Bliefnick appeared on the game show in January 2020, and host Steve Harvey asked him, “What’s the biggest mistake you made at your wedding?”</p> <p dir="ltr">“Honey, I love you, but, ‘said I do,’” he responded, prompting a mixed reaction from the audience. </p> <p dir="ltr">“Not my mistake, not my mistake," he continued.</p> <p dir="ltr">”I love my wife. I'm gonna get in trouble for that, aren't I?"</p> <p dir="ltr">After <em>Fox News Digital</em> discovered the clip, Bliefnick’s attorney said, "It's a game show. A silly answer to a silly question on a silly show doesn't make one a murderer.”</p> <p dir="ltr"><em>KHQA-TV</em> reported that Bliefnick and his wife were married in 2009, but at the time of her death the pair were undergoing divorce proceedings after having been separated for “several years”. After the couple separated they filed restraining orders against each other. </p> <p dir="ltr">Bliefnick’s attorney Casey Schnack told<em> E! News</em> that he plans to plead not guilty at his next court hearing. </p> <p dir="ltr"><em>Image credit: YouTube</em></p>

Legal

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Private island on sale for a price cheaper than most homes

<p dir="ltr">A private island is up for grabs in Queensland, for a price that is cheaper than an average home in most Australian cities.</p> <p dir="ltr">Poole Island, situated in the Whitsundays, comes with two homes that were built in the 1800s and 1980s, and has an asking price of just under $1 million.</p> <p dir="ltr">This comes after a contract fell through when a would-be buyer couldn’t be contacted, so the 20ha island is back on the market.</p> <p dir="ltr">“I can confirm that we have not been able to contact the purchaser,” Private Islands Online Australia’s Richard Vanhoff told <em>7NEWS.com.au.</em></p> <p dir="ltr">“We have tried ourselves, and we are also going on advice from the purchaser’s solicitor, who has also not been able to contact him.”</p> <p dir="ltr">The island is now accepting offers over $995,000.</p> <p dir="ltr">Other features of the island include a handmade rock swimming pool and a 215m runway to cater for small aircraft or a helicopter that flies in from Airlie Beach or Bowen.</p> <p dir="ltr">According to the listing, the pool itself is equipped with a new windmill pump that continuously pumps water into the pool so there’s “no need for chemicals or cleaning as the crystal clear water is in abundance”.</p> <p dir="ltr">The island also has a slipway for any boat owners or those who love to fish, and a stone shed where you can store various machinery including tractors and slashers.</p> <p dir="ltr"><em>Images: Private Islands Online Australia</em></p> <p> </p>

Real Estate

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Who hit who? Gwyneth Paltrow fighting “hit and run” charges

<p>Gwyneth Paltrow has appeared in court as she fights charges over a skiing collision that left a man with permanent injuries and brain damage. </p> <p>The actor-turned-wellness influencer is being sued for $450,000 (AUD) by a retired optometrist, who claims Paltrow violently crashed into him in 2016 while skiing at one of the most upscale ski resorts in the United States.</p> <p>Terry Sanderson, 76, said Paltrow was skiing down the slopes so recklessly that they collided, leaving him on the ground as she and her entourage continued their descent down Deer Valley Resort, Utah.</p> <p>"Gwyneth Paltrow skied out of control," Sanderson's attorneys claim in the lawsuit, "knocking him down hard, knocking him out, and causing a brain injury, four broken ribs and other serious injuries. Paltrow got up, turned and skied away, leaving Sanderson stunned, lying in the snow, seriously injured."</p> <p>With the lawsuit now lasting several years, Sanderson is suing Paltrow for the hefty six figure sum, claiming that the accident was a result of negligence, and left him with physical injuries and emotional distress.</p> <p>As the trial began, a central question in the case was posed, wondering which skier had the right of way. </p> <p>At ski resorts, the skier who is downhill has the right of way, so the case is largely focused around who was farther down the beginner's run when the collision transpired. </p> <p>Both Paltrow and Sanderson claim in court filings that they were farther downhill when the other rammed into them.</p> <p>Sanderson has also accused the ski resort of "covering up" the matter by not providing complete information on incident reports and not following resort safety policies.</p> <p>After his initial lawsuit seeking $US3.1 million ($4.65 million AUD) was dropped, Sanderson amended the complaint and he is now seeking $US300,000.</p> <p>Paltrow filed a counterclaim, seeking attorney fees and $US1 ($1.50) in damages, as she claims Sanderson was actually the culprit in the collision, is overstating his injuries, and is trying to exploit her celebrity and wealth.</p> <p><em>Image credits: Getty Images</em></p>

Legal

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Artist puts the lid on rubbish rental prices

<p>In the age of soaring interest rates and a global housing crisis, one young man in the United Kingdom had a wheelie good idea for getting a roof over his head.</p> <p>His solution? Skipping the queues, and moving into a bin.</p> <p>British artist and architect Harrison Marshall was down in the dumpsters when he decided to seize the opportunity, to both raise awareness about those being forced from their homes due to extortionate rent prices in London - and give himself somewhere to stay in the process - by converting an old skip into a tiny home. </p> <p>The Skip House boasts a whole range of features that one might not expect to find in a place so small - 25 square metres, in fact - with the likes of insulted timber framing, a barrel roof capable of fitting a bed, a kitchen hob - the whole set up including a sink, a stove, and a tiny fridge - as well as a wardrobe. </p> <p>And although it took a month since Marshall moved himself in, the skip was eventually connected to the grid, allowing him to warm his tiny property. The home doesn’t have its own flushing toilet or even a shower, but it doesn’t phase Marshall, who makes use of such amenities at work or at the gym. </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-captioned="" data-instgrm-permalink="https://www.instagram.com/reel/Co22dZwoxaQ/?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/Co22dZwoxaQ/?utm_source=ig_embed&amp;utm_campaign=loading" target="_blank" rel="noopener">A post shared by SKIP House (@theskiphouse)</a></p> </div> </blockquote> <p>“With the cost of living at an all time high, and no end in sight, this project is about living for less,” Marshall said of the project on the Skip House’s Instagram, “in one of the most expensive cities in the world, London.</p> <p>“People across the country are changing the way they live to compensate for the rising cost of basic necessities,” he continued. “Living in a skip isn’t the solution, but rather an exploration and a statement.”</p> <p>As Marshall, who now pays approximately $90 a week in rent, told <em>Southwark News</em>, “it seems crazy that people work in the city and can’t afford to live here. Or [that] people who have lived here their whole lives can’t afford to stay here, so they’re having to move out.”</p> <p>He explained that constructing the tiny home was “the only way” for him to continue to live there, and that he hoped to spark a conversation around housing, particularly when it came to unused urban wasteland spots, and how more creative solutions had to be out there. </p> <p>“It also gave quite a good juxtaposition between what you don’t typically think of as a house and almost the polar opposite of that, which is a bin or dumpster,” Marshall told <em>Business Insider</em>, “and how actually that could be turned into something which is relatively cosy and homely.”</p> <p>And as for what his neighbours think about his unusual housing venture, he told<em> Southwark News </em>that he had between 20 and 25 of them show up to his skip-warming, “they’re all super supportive.</p> <p>“People have even seen me doing stuff in the garden and gone to get their tools and come to help out and people around have filled up my hot water bottle.”</p> <p><em>Images: Instagram</em></p>

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Get two for the price of one with top ways to have fun and keep active

<p dir="ltr">Physical activity is a key factor in a person’s health at any age, and experts have long preached the physical benefits of keeping fit. </p> <p dir="ltr">However, as good things often come in pairs, it’s always important to note that while exercise can mean excellent things physically - from preventing certain health conditions such as diabetes and cardiovascular diseases to benefiting mental health - it comes with the additional bonus of introducing people to like-minded souls. This socialisation is especially important towards tackling boredom and the loneliness that comes along with isolation. </p> <p dir="ltr">As life goes on, it may become harder to take part in the activities of youth - sports, for example, are not so kind to older joints. This by no means limits what someone can and cannot try out, with plenty of options still available for those who dream of keeping active and having some fun along the way. </p> <ul> <li dir="ltr"><strong>Community centres </strong></li> </ul> <p dir="ltr">Community/leisure centres and senior clubs feature a whole host of activities on their calendars, and a quick Google search will reveal the closest ones on offer. With many covering everything from sports to hiking, dancing, art classes, and new learning opportunities, these can prove a great way to gain a new skill and make some new friends in the process. </p> <ul> <li dir="ltr"><strong>New hobbies</strong></li> </ul> <p dir="ltr">On a similar note, picking up a new hobby can introduce you to a whole host of people with the same interests, especially if you find a group or community page to share your newfound enthusiasm. You’ll pick up new tips and tricks faster, and with your new social circle, may even find a second or third hobby to dabble in. A local walking group could even introduce you to new spots in your area that you’d never even heard of - or perhaps even a post-trek coffee shop to enjoy a well-deserved pastry. And, of course, bowling never goes amiss, nor a little competitive spirit when it comes to forging new bonds and a drive to improve.</p> <ul> <li dir="ltr"><strong>Gardening </strong></li> </ul> <p dir="ltr">Not only does gardening provide fresh air and exercise, but if you play your cards right (or water your crops right) you could find yourself with a garden that’s the envy of the whole neighbourhood, or one that’s fully self-sufficient to save you a few dollars on your next trip to the supermarket. Weeding, watering, mowing, and planting are just some of the productive tasks to leave you feeling proud of your hard work that also have the added benefit of counting towards your exercise goal for the day - you probably just won’t realise it at the time. </p> <ul> <li dir="ltr"><strong>Play</strong></li> </ul> <p dir="ltr">Grandchildren and pets provide the perfect opportunity for some free and entertaining physical activity, even if sometimes they might move a little too quickly for comfort. From pushing the youngest in strollers, to taking a dog on a leisurely walk around the block, there are ample opportunities to enjoy the outdoors and get some steps in the process. And if all else fails, a game of hide-and-seek in the backyard or living room can’t steer you wrong. </p> <p dir="ltr"><em>Images: Getty </em></p>

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