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Is it okay to kiss your pet? The risk of animal-borne diseases is small, but real

<p><em><a href="https://theconversation.com/profiles/sarah-mclean-1351935">Sarah McLean</a>, <a href="https://theconversation.com/institutions/swinburne-university-of-technology-767">Swinburne University of Technology</a> and <a href="https://theconversation.com/profiles/enzo-palombo-249510">Enzo Palombo</a>, <a href="https://theconversation.com/institutions/swinburne-university-of-technology-767">Swinburne University of Technology</a></em></p> <p>Our relationship with pets has changed drastically in recent decades. Pet ownership is at an all-time high, with <a href="https://animalmedicinesaustralia.org.au/media-release/more-than-two-thirds-of-australian-households-now-own-a-pet/">a recent survey</a> finding 69% of Australian households have at least one pet. We spend an estimated A$33 billion every year on caring for our fur babies.</p> <p>While owning a pet is linked to numerous <a href="https://www.onehealth.org/blog/10-mental-physical-health-benefits-of-having-pets">mental and physical health benefits</a>, our pets can also harbour infectious diseases that can sometimes be passed on to us. For most people, the risk is low.</p> <p>But some, such as pregnant people and those with weakened immune systems, are at <a href="https://www.cdc.gov/healthypets/specific-groups/high-risk/index.html">greater risk</a> of getting sick from animals. So, it’s important to know the risks and take necessary precautions to prevent infections.</p> <h2>What diseases can pets carry?</h2> <p>Infectious diseases that move from animals to humans are called zoonotic diseases or <a href="https://www.cdc.gov/onehealth/basics/zoonotic-diseases.html">zoonoses</a>. More than <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC3668296/#B18">70 pathogens</a> of companion animals are known to be transmissible to people.</p> <p>Sometimes, a pet that has a zoonotic pathogen may look sick. But often there may be no visible symptoms, making it easier for you to catch it, because you don’t suspect your pet of harbouring germs.</p> <p>Zoonoses can be transmitted directly from pets to humans, such as through contact with saliva, bodily fluids and faeces, or indirectly, such as through contact with contaminated bedding, soil, food or water.</p> <p>Studies suggest <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC4500695/">the prevalence of pet-associated zoonoses is low</a>. However, the true number of infections is likely <a href="https://www.mdpi.com/1660-4601/17/11/3789">underestimated</a> since many zoonoses are not “<a href="https://www.healthdirect.gov.au/notification-of-illness-and-disease">notifiable</a>”, or may have multiple exposure pathways or generic symptoms.</p> <p>Dogs and cats are major reservoirs of zoonotic infections (meaning the pathogens naturally live in their population) caused by viruses, bacteria, fungi and parasites. <a href="https://www.who.int/data/gho/data/themes/topics/rabies">In endemic regions in Africa and Asia</a>, dogs are the main source of rabies which is transmitted through saliva.</p> <p>Dogs also commonly carry <em>Capnocytophaga</em> bacteria <a href="https://www.cdc.gov/capnocytophaga/index.html">in their mouths and saliva</a>, which can be transmitted to people through close contact or bites. The vast majority of people won’t get sick, but these bacteria can occasionally cause infections in people with weakened immune systems, <a href="https://www.cdc.gov/capnocytophaga/signs-symptoms/index.html">resulting</a> in severe illness and sometimes death. Just last week, such a death <a href="https://thewest.com.au/news/wa/tracy-ridout-perth-mum-dies-11-days-after-rare-bacterial-infection-from-minor-dog-bite-c-11748887">was reported in Western Australia</a>.</p> <p>Cat-associated zoonoses include a number of illnesses spread by the faecal-oral route, such as giardiasis, campylobacteriosis, salmonellosis and toxoplasmosis. This means it’s especially important to wash your hands or use gloves whenever handling your cat’s litter tray.</p> <p>Cats can also sometimes transmit infections through bites and scratches, including the aptly named <a href="https://www.cdc.gov/healthypets/diseases/cat-scratch.html#:%7E:text=Cat%20scratch%20disease%20(CSD)%20is,the%20surface%20of%20the%20skin.">cat scratch disease</a>, which is caused by the bacterium <em>Bartonella henselae</em>.</p> <p>Both dogs and cats are also reservoirs for <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC10122942/">methicillin-resistant bacterium <em>Staphylococcus aureus</em></a> (MRSA), with close contact with pets identified as an important risk factor for zoonotic transmission.</p> <h2>Birds, turtles and fish can also transmit disease</h2> <p>But it’s not just dogs and cats that can spread diseases to humans. Pet birds can occasionally transmit <a href="https://www.cdc.gov/pneumonia/atypical/psittacosis/">psittacosis</a>, a bacterial infection which causes pneumonia. Contact with <a href="https://www.fda.gov/animal-veterinary/animal-health-literacy/pet-turtles-source-germs">pet turtles</a> has been linked to <em>Salmonella</em> infections in humans, particularly in young children. Even pet fish have been linked to a <a href="https://www.cdc.gov/healthypets/pets/fish.html">range of bacterial infections</a> in humans, including vibriosis, mycobacteriosis and salmonellosis.</p> <p>Close contact with animals – and some behaviours in particular – increase the risk of zoonotic transmission. <a href="https://pubmed.ncbi.nlm.nih.gov/19398275/">A study from the Netherlands</a> found half of owners allowed pets to lick their faces, and 18% allowed dogs to share their bed. (Sharing a bed increases the duration of exposure to pathogens carried by pets.) The same study found 45% of cat owners allowed their cat to jump onto the kitchen sink.</p> <p>Kissing pets has also been linked to occasional zoonotic infections in pet owners. <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC3298380/">In one case</a>, a woman in Japan developed meningitis due to <em>Pasteurella multicoda</em> infection, after regularly kissing her dog’s face. These bacteria are often found in the oral cavities of dogs and cats.</p> <p>Young children are also more likely to engage in behaviours which increase their risk of <a href="https://www.cdc.gov/healthypets/specific-groups/high-risk/children.html?CDC_AA_refVal=https%3A%2F%2Fwww.cdc.gov%2Fhealthypets%2Fspecific-groups%2Fchildren.html">getting sick</a> from animal-borne diseases – such as putting their hands in their mouth after touching pets. Children are also less likely to wash their hands properly after handling pets.</p> <p>Although anybody who comes into contact with a zoonotic pathogen via their pet can become sick, certain people are more likely to suffer from serious illness. These people include the young, old, pregnant and immunosuppressed.</p> <p>For example, while most people infected with the toxoplasmosis parasite will experience only mild illness, it can be life-threatening or <a href="https://www.nhs.uk/common-health-questions/pregnancy/what-are-the-risks-of-toxoplasmosis-during-pregnancy/">cause birth defects in foetuses</a>.</p> <h2>What should I do if I’m worried about catching a disease from my pet?</h2> <p>There are a number of good hygiene and pet husbandry practices that can reduce your risk of becoming sick. These include:</p> <ul> <li>washing your hands after playing with your pet and after handling their bedding, toys, or cleaning up faeces</li> <li>not allowing your pets to lick your face or open wounds</li> <li>supervising young children when they are playing with pets and when washing their hands after playing with pets</li> <li>wearing gloves when changing litter trays or cleaning aquariums</li> <li>wetting bird cage surfaces when cleaning to minimise aerosols</li> <li>keeping pets out of the kitchen (especially cats who can jump onto food preparation surfaces)</li> <li>keeping up to date with preventative veterinary care, including vaccinations and worm and tick treatments</li> <li>seeking veterinary care if you think your pet is unwell.</li> </ul> <p>It is especially important for those who are at a higher risk of illness to take precautions to reduce their exposure to zoonotic pathogens. And if you’re thinking about getting a pet, ask your vet which type of animal would best suit your personal circumstances.<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/210898/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em><a href="https://theconversation.com/profiles/sarah-mclean-1351935">Sarah McLean</a>, Lecturer in environmental health, <a href="https://theconversation.com/institutions/swinburne-university-of-technology-767">Swinburne University of Technology</a> and <a href="https://theconversation.com/profiles/enzo-palombo-249510">Enzo Palombo</a>, Professor of Microbiology, <a href="https://theconversation.com/institutions/swinburne-university-of-technology-767">Swinburne University of Technology</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/is-it-okay-to-kiss-your-pet-the-risk-of-animal-borne-diseases-is-small-but-real-210898">original article</a>.</em></p>

Family & Pets

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"You've been bumped": Vietnam vet slams Qantas for booting him from business class

<p dir="ltr">Qantas has come under fire for booting a Vietnam war veteran from his paid seat in business class so that a young Qantas "tech" – later revealed to be a pilot – could travel in the luxury seat in his place.</p> <p dir="ltr">Stephen Jones, 78, and his wife were travelling home to Adelaide after a holiday in Christchurch. Their flight was passing through Melbourne on its way to their home in Adelaide, and the pair were enjoying coffee in the Melbourne airport lounge – just 30 minutes before they were set to continue their journey – when they were given the bad news by Qantas staff.</p> <p dir="ltr">"I went up to the desk and the Qantas employee there said, 'I've got some bad news for you, you've been bumped'," Mr Jones told Melbourne’s <em><a href="https://www.3aw.com.au/vietnam-war-veteran-booted-from-business-class-for-younger-qantas-employee/">3AW</a></em> radio program with Ross &amp; Russ. </p> <p dir="ltr">"It didn't register at first," continued Mr Jones. "I wasn't quite sure what 'bumped' meant... I said, 'What?', and she said, 'Yes, I'll have to re-issue your ticket for economy class. We have a tech who's flying to Adelaide and his contract states that he must fly Business Class."</p> <p dir="ltr">Mr Jones then explained that while he retreated to his economy seat, the Qantas employee was seated next to his wife up in business class, and that "he wouldn't even look at her".</p> <p dir="ltr">Mr Jones went on to explain that, after filing a letter of complaint, he was offered 5000 Frequent Flyer points in return for the downgrade and an apology.</p> <p dir="ltr">Mr Jones, who served in Vietnam in a combat unit in the 1960s, claimed he turned down the offer of 5000 points, saying, “I don’t think anything is going to change until there’s ramifications for Qantas, or costs for Qantas when they upset their customers.”</p> <p dir="ltr">Justin Lawrence, Partner at Henderson Ball Lawyers, later told the 3AW radio show hosts that there’s little customers can do about such a move by the airline and said it was “standard operating procedure”.</p> <p dir="ltr">“Unfortunately, their terms of carriage allow them to do this sort of thing – this happens so often they’ve actually got a term for it, buckle up, they call this 'involuntary downgrading,'” he said.</p> <p dir="ltr">“They’ll overprescribe business class or first class, they will need to bump someone out, and they’ll do it almost immediately prior to the flight – not just Qantas, they all do it."</p> <p dir="ltr">“Any time you go to a travel agent or online to Qantas to buy a seat, and we think we’re buying a seat in a particular class, there are no guarantees that when that plane takes off, you’ll be sitting in that class.”</p> <p dir="ltr">Mr Jones said he understood that Qantas pilots were entitled to rest comfortably on their way to another flight, but the ordeal was “unsettling and made me a little irritable”.</p> <p dir="ltr"><em>Image credits: Getty Images</em></p>

Travel Trouble

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Try these tricks the next time small talk becomes unbearable

<p><strong>Real talk</strong></p> <p>Bonnie Todd runs 250 food tours a year – a job that puts her in contact with hundreds of new people every week. Food-lovers come to her for an introduction to local tastes and flavours. And a large part of what keeps her guests satisfied, and willing to recommend her business to others, is the personal connection she makes with them.</p> <p>“I try to get past the small talk and general recommendations pretty quickly,” says the 42-year-old. “It’s all about finding common ground within the group, and trying to make it a unique experience. So I’m always asking questions. And when I find that spark of commonality, I dig into it.”</p> <p>The practice is key to Todd’s approach because, unlike many tours, hers require people to sit together sharing food and drinks. When groups don’t gel, or never get past the “Where are you from?” stage, what should be a stimulating experience can turn into an awkward and draining couple of hours.</p> <p>We’ve all been there: trapped in a superficial exchange that bounces aimlessly from one meaningless topic to the next. It can make you never want to step foot into another party again. But don’t despair: there are some tactics that can help you turn boring small talk into an energising conversation.</p> <p><strong>Put yourself out there </strong></p> <p>Improv performer Natalie Metcalfe’s job is to keep a scene going – to create an exchange that’s compelling for both the people involved and for a live audience.</p> <p>“In improv, it’s all about offers,” she says, referring to the act of bringing new information into the dialogue. Through these back-and-forths, the relationship between the characters is established and that kicks things off. “It’s the same thing in a regular conversation. You’re constantly making offers to see if you and the person you’re talking to can connect.”</p> <p>An offer in real life can be as simple as complimenting someone on what they’re wearing, and asking them about it. You can try sharing something you recently learned, or an interest you’ve just developed, creating an opening for the other person to ask you a question. Or, you can describe a relatable problem you’re having – a noisy neighbour, a plant that’s not thriving, a question of etiquette – as a prompt for advice, or some cooperative troubleshooting.</p> <p>One of Todd’s go-to approaches is to share a personal story of her own that relates to the other person’s experience. “If I find out someone has been to a place I’ve travelled, I’ll tell them an anecdote about what I did there, and ask them to share their own story.”</p> <p>Of course, putting yourself out there can sometimes feel scary, even when you’re not on stage. But Misha Glouberman, who runs a course called How to Talk to People About Things, says taking that leap pays off.  “A lot of the time in conversations, there’s something we’re interested in, but there’s a part of us that doesn’t want to take the risk of revealing it because we think it might be boring or inappropriate.” But the result of following those internal cues of fascination has the opposite effect, he says. “People like learning about other people’s interests. So be more open about yours, and a little more curious about theirs as well.”</p> <p><strong>Be inquisitive and listen </strong></p> <p>Radio interviewer Terry Gross once said, that the only icebreaker you’ll ever need is, “Tell me about yourself.” Instead of asking a pointed question like “What do you do?”, this type of open question gives someone a chance to offer up a topic they might be more excited to discuss.</p> <p>“Talking about yourself is really pleasurable. It activates the exact same hormone in your brain as sex,” says Celeste Headlee, the author of We Need to Talk: How to Have Conversations That Matter. “Another tip you can take from neuroscience is that if you start a conversation by allowing someone to feel good about themselves, then they’ll be more open to new ideas and new thoughts for the rest of the conversation.”</p> <p>Of course, upping your curiosity quotient needs to be paired with actually paying attention to the answer. “Listening is hard for homo sapiens. It’s not something our species does easily,” says Headlee.</p> <p>Indeed, people often start crafting their response before the person they’re talking to has finished speaking. Or they’ll get distracted, thinking about an email they forgot to answer. Since a great conversation is by definition a two-way street, these habits have the effect of ending one before it can even begin. Intentional listening, on the other hand, is a key to an empathetic, engaging dialogue.</p> <p><strong>Use disagreement wisely </strong></p> <p>According to Headlee, one of the other things that gets in the way of a meaningful conversation is the all-too-human need to be right. “A really common mistake is the ‘well, actually’ response,” she says, referring to that deflating moment when a person lets their need to correct you about a small detail you’ve just mentioned get in the way of continuing a story. “Google has made this worse,” she adds. “You’ll say, I went to the hotel with the largest patio in the entire world, and while you’re still talking, the person is already on their phone looking to see if that’s actually true.”</p> <p>But while trivial arguments can be an obstacle to a good conversation, Glouberman points out that differences of opinion can also help propel a chat into richer territory. “We assume that the world is just as we see it, that we see it directly,” he says. “But of course all of psychology and neuroscience tells us that’s not the case.”</p> <p>A respectful disagreement, if the other party is open to it, is a great opportunity to enrich your view of the world by understanding someone else’s.</p> <p><em>Image credits: Getty Images</em></p> <p><em>This article originally appeared on <a href="https://www.readersdigest.co.nz/uncategorized/try-these-tricks-the-next-time-small-talk-becomes-unbearable" target="_blank" rel="noopener">Reader's Digest</a>. </em></p>

Relationships

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"Too busy marching": Debate rages over fiery Anzac Day post

<p>A man has shared a controversial claim on Twitter about Australia’s relationship to Anzac Day, sparking a fiery debate.</p> <p>Australians and New Zealanders gathered to commemorate the 108th anniversary of the landing of Anzac troops at Gallipoli in World War I on April 25th. Services were held all over both countries to mark the day of remembrance.</p> <p>On May 34th, Brad Turner, who says he is a former Navy submariner and AFP officer, took to Twitter to argue that the values of the annual celebration were “no longer reflected” by Australia.</p> <p>He notably called out Australia’s confrontation with China on behalf of the US.</p> <blockquote class="twitter-tweet"> <p dir="ltr" lang="en">Australia is a society that dutifully gets up early every April 25 to gather, Mach & remember our Dead. Speeches are made, politicians speak of sacrifice & honour whilst possessing or embodying neither. That same society that holds paramount ideals of egalitarianism, mateship &… <a href="https://t.co/sbHHbRiYAF">pic.twitter.com/sbHHbRiYAF</a></p> <p>— Brad Turner (@tur14865416) <a href="https://twitter.com/tur14865416/status/1650394428841037826?ref_src=twsrc%5Etfw">April 24, 2023</a></p></blockquote> <p>“Australia is a society that dutifully gets up early every April 25 to gather, march and remember our dead,” he wrote in the post, which has been viewed more than 20,000 times.</p> <p>“Speeches are made, politicians speak of sacrifice and honour whilst possessing or embodying neither. That same society that holds paramount ideals of egalitarianism, mateship and sacrifice is forgotten on the other 364 days of the year.</p> <p>“On those days Australia marches right past veteran suicides, war crimes, illegal wars and widespread inequality and corruption. Is it really a day of remembrance? Or is it theatrics so society can pretend they care about victims of war or our conduct as a country with an aim to feel better about apathy and inaction as a nation towards these things.</p> <p>“We don’t notice any of these things because we are too busy marching. But this time it’s headlong into another pointless American war with China. The things we celebrate about our nation on Anzac Day are sadly no longer reflected in Australia’s actions. They have not been in some time.”</p> <p>Several people online took the same stance as Mr Turner.</p> <p>“I don’t like Anzac Day. It overlooks our follies in joining Britain and US wars. WWII was noble. The rest were con jobs to enrich the industrialists. Our people have all these solemn events only to assuage their ‘je ne c’est quoi’ because they don’t feel any guilt but should,” one wrote.</p> <p>“Our politicians spend more on memorial monuments and museums that they can put their name on a plaque on the wall than they do for the actual veterans who are suffering from PTSD or other ‘souvenirs’ they have brought back from their tours,” another said.</p> <p>“Flag waving patriotism has taken over Anzac Day. We are one step away from parades of military hardware while the populace salute. What should be a reflection on the horrors of war has become it‘s celebration. John Howard did this,” a third added.</p> <p>“Listening to the Labor government yesterday follow in the footsteps of the Coalition, justifying spending billions antagonising China at America’s request is not the ‘lest we forget’ I think about,” a fourth wrote.</p> <p>Others fired back and said Anzac Day was still important.</p> <p>“Mate … it’s about remembering the sacrifice and loss of our mates … lest we forget,” one wrote, adding, “I don’t worry about [politicians] anymore grandstanding on the day. It’s our day not theirs to remember our mates.”</p> <p>Another wrote, “It is tradition. It separates the fluff of ordinary living to reflect on sacrifice not only of the dead, of lives unlived, of the unfathomable grief but also of the living dealing with the trauma and moral injury of tooth and claw war. It is not a celebration which distracts.”</p> <p>“I understand this perspective, but at the same time I ask myself — is there any harm in this form national reflection? I agree there have been some military follies following the absolute necessity of WWII, but would add that there is no guarantee that the next engagement is such,” a third wrote.</p> <p><em>Image credit: Shutterstock</em></p>

News

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Rod Stewart's ultimate surprise for like-minded hobbyists

<p>Rod Stewart has paid a surprise visit to a local business in Sydney's west, mingling with like-minded hobbyists. </p> <p>On Wednesday night, the 78-year-old rockstar took to the stage of Sydney's Qudos Bank Arena in front of 21,000 adoring fans, performing his classic hits in a signature leopard print jacket. </p> <p>But just hours before, he stopped in at Woodpecker Model Railways, a model train store located in Pendle Hill, in search of model trains to add to his vast collection.</p> <p>"Look who casually walked into our shop," the business shared on their Facebook page, alongside a photo of staff members smiling with the rock legend.</p> <p><iframe style="border: none; overflow: hidden;" src="https://www.facebook.com/plugins/post.php?href=https%3A%2F%2Fwww.facebook.com%2Fwoodpeckermodelrailways%2Fposts%2Fpfbid0Nfb2LeEtR5yXAcfCiBW8g4GVLqncdVbNz9AKJnZVwFzB345DUXMDt3C6ZvcGpReyl&amp;show_text=true&amp;width=500" width="500" height="504" frameborder="0" scrolling="no" allowfullscreen="allowfullscreen"></iframe></p> <p>"That's amazing!!!" one follower wrote on Facebook.</p> <p>"WOW how awesome !! Lucky you !!I think I would be in total admiration [and] shock if Rod walked into a shop I owned or was in lol," another said.</p> <p>"A very accomplished modeller..... sings a bit as well....." another wrote.</p> <p>Rod Stewart has long been known as a <a href="https://www.oversixty.co.nz/property/real-estate/rod-stewart-s-hidden-track-inside-his-beverly-hills-home" target="_blank" rel="noopener">keen model train builder</a>, revealing in a 2019 interview with Railway Modeller magazine that he had been working on a giant and intricate model of a United States city at home for the previous 23 years.</p> <p>Following his admission in the interview, BBC Radio 2's Jeremy Vine suggested Stewart did not build the model himself, to which Stewart rebutted as he called into Vine's show to set the record straight himself.</p> <p>"I would say 90 per cent of it I built myself," Stewart insisted to Vine. "The only thing I wasn't very good at and still am not is the electricals, so I had someone else do that."</p> <p>"A lot of people laugh at it being a silly hobby, but it's a wonderful hobby," he said.</p> <p><em>Image credits: Facebook</em></p>

Music

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Salon owner loses $40,000 from one $60 deposit

<p dir="ltr">When beautician Thuy Le received a call from a supposed customer’s ‘husband’ regarding an accidental payment, she could never have foreseen the devastating turn her life would take from that point on. </p> <p dir="ltr">The mother of two, whose husband is living with Parkinsons and unable to work, recounted how her harrowing ordeal started with that one phone call, and the man on the other end requesting she return the $60 his wife had ‘accidentally’ paid. </p> <p dir="ltr">Le checked her bank statements to verify his story, and after noting one deposit that matched, she transferred the funds into the account he provided. </p> <p dir="ltr">She did not provide any of her own personal information, her passwords, or any critical numbers for her accounts. And yet, in the time to follow, Le could only watch in horror as more withdrawals were made from her account, into the very same one owned by the customer’s ‘husband’. </p> <p dir="ltr">The withdrawals totalled a devastating $41,600 stolen from Le’s life savings. </p> <p dir="ltr">Le also recounted how she was refused access to her business account, and that she got in touch with her bank as soon as she realised what had happened, suspecting she had been scammed. </p> <p dir="ltr">Her quest for support in her time of need was cut short, with the financial institution placing the blame solely on Le and ruling that they were not liable for the losses she had endured - this was despite the suspicious withdrawals raising no alarm with the bank, and the lack of personal information involved in the scam. </p> <p dir="ltr">Of their questionable red flag system, the bank claimed that it is “nearly impossible for an unauthorised third party to guess”, referencing the way that the logins for the costly transaction all succeeded on the very first try. </p> <p dir="ltr">Furthermore, as stated in a letter to Le, they declared that “the only reasonable explanation for these logins would be that your online banking credentials were known to the unauthorised third party, which would be in breach of the passcode security requirements.”</p> <p dir="ltr">“I am in financial hardship,” Le admitted of her dire situation, and the need to have the funds returned for her family and her husband’s crucial medication. </p> <p dir="ltr">“I have two little kids, I have a husband with Parkinson’s disease, he cannot work,” she continued. “We are still in the process of applying for government help and I have carried the financial burden on my shoulders.”</p> <p dir="ltr">While Le’s bank offered $200 to resolve her complaint, she was offered no further assistance, and took matters to the Australian Financial Complaints Authority, hoping to have her money returned to her. </p> <p dir="ltr">“I can’t sleep,” she confessed. “I want to know why this happened to me and how it happened to me.</p> <p dir="ltr">“I’m not a liar, not a criminal, not a fraud.”</p> <p dir="ltr"><em>Images: Supplied to 7News, Facebook</em></p>

Money & Banking

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Small town's Christmas display dubbed the "worst in history"

<p>The Port Macquarie Council have been widely roasted online after the unveiling of their Christmas tree display, which has been dubbed the "worst in history".</p> <p>Families and community members turned out by the hundreds to see NSW Central Coast town light up its Christmas tree last week, which was met with a very mixed reaction. </p> <p>The long-anticipated reveal, which forced onlookers to wait until midnight for the lights to be turned on, was met with a chorus of disappointed sighs as the underwhelming tree was finally illuminated. </p> <p>Families expecting a glowing symbol of Christmas cheer were instead treated to a sight of Christmas gloom with sad looking fairy light strings barely clinging onto the huge pine tree's branches. </p> <p>Port Macquarie Hastings Council took the disappointment in its stride, mocking its own tree with an 'Instagram vs Reality' meme on Facebook.  </p> <p><iframe style="border: none; overflow: hidden;" src="https://www.facebook.com/plugins/post.php?href=https%3A%2F%2Fwww.facebook.com%2Fpmhcouncil%2Fposts%2Fpfbid02tkGEispQKQLt4tsc5X3VP8iUQTyp2AFyMqLc1sQKw2CKZdGxsNHJKfSfCXVywhPVl&amp;show_text=true&amp;width=500" width="500" height="677" frameborder="0" scrolling="no" allowfullscreen="allowfullscreen"></iframe></p> <p>"What can we say except ... you're welcome," the council wrote on Friday, alongside a smirk face emoji. </p> <p>"With everything our community has been through recently, we know everyone appreciates a good laugh!"</p> <p>"We are glad our very sad Christmas tree could provide that for everyone."</p> <p>"So let's be real. Our poor tree does look like it was decorated by Santa after he's whizzed around the world and had too many eggnogs."</p> <p>The council said its tree decoration was done with "the best of intentions" however "extraordinary winds and rain" had destroyed the lights. </p> <p>"Just like the rest of us - she's battered and bruised, but she's still standing," they said. </p> <p>Just days after the tree lights were turned on, the council confirmed it needed to strip the sad looking tree because it had become a "safety risk" to locals.</p> <p>"We have enjoyed your good humour and appreciation of our abstract piece of art," the council joked.</p> <p>"Unfortunately, the infamous lights will be removed, as they are slipping further down the tree and pose a safety risk and we are concerned if we leave the inflatable baubles up, we may not have any left by Christmas."</p> <p>Port Macquarie Hastings Mayor Peta Pinson later said the council was working hard to install their "original outdoor tree will be installed and working for everyone's enjoyment well before Christmas".</p> <p>"Again, I am so thankful to the community for coming and celebrating. Merry Christmas to our wonderful, witty and resilient community," she said.</p> <p><em>Image credits: Facebook</em></p>

Travel Trouble

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10 of the smallest islands in the world

<p><strong>It’s a big mistake to overlook these small islands</strong></p> <p>Jetting off to an idyllic island sounds pretty perfect at any time, but perhaps even more so right now. With everything that’s going on in the world, the idea of escaping to a virtually hidden spot with a leisurely pace, fresh air, and an absence of crowds is more appealing than ever. As many people start reframing the way they think about the future of travel, the words “small” and “remote” are becoming positives. These tiny islands prove that big things (aka memorable holidays) come in small packages. Scroll on to get inspired for future trips.</p> <p><strong>Corvo Island, Azores</strong></p> <p>Approximately 1609 kilometres west of mainland Portugal in the mid-Atlantic sits a chain of nine islands known as the Azores, which has gained the attention of travellers in recent years. To the north of São Miguel, the largest and most populous island in the archipelago, lies a ruggedly beautiful, serene, and isolated destination that revels in its relative obscurity. Corvo Island is a 11.2-square-kilometre spit with just 400 inhabitants, three restaurants, and five accommodations. Despite its small scale, Corvo Island delivers ample adventure, and the verdant, rolling, volcanic landscape invites endless exploration. Fishing, swimming in freshwater lakes, bird watching, and crater hiking number among the pilgrimage-worthy activities. It’s also a lovely place to relish some well-deserved solitude and introspection.</p> <p><strong>Sea Lion Island, Falkland Islands</strong></p> <p>Floating in the South Atlantic Ocean, 342 kilometres away from the southeast tip of Argentina, the Falkland Islands are the definition of remote. One of the southernmost settlements in the distant archipelago, Sea Lion Island is a prime spot for wilderness tourism. Designated as a National Nature Reserve in 2017, this 5.6-square-kilometre dot boasts an abundance of wildlife – including five species of penguins, sea lions, elephant seals, giant petrels, and killer whales – and only a handful of permanent residents. It requires a minimum of three flights to reach Sea Lion Island from the mainland. (Thankfully, there’s a cosy lodge to spend the night.) Alternatively, it’s possible to plan a guided excursion from nearby East Falkland or take a multi-day cruise.</p> <p><strong>Bishop Rock, Isles of Scilly</strong></p> <p>Rising from the turbulent waters of the Atlantic Ocean, 6.4km west of the Isles of Scilly, Bishop Rock is the most south-westerly point in Britain. Measuring a measly 0.0011844 square kilometres, Men Epskop (as it’s known in Cornish) held the title of the “smallest inhabited island” until its famous iron lighthouse was converted to automatic operation and the last keeper left in 1991. These days, Bishop Rock isn’t without accolades. It’s still the “smallest island with a building on it,” according to Guinness World Records. To satisfy the ongoing public interest, the St. Mary’s Boatmen’s Association runs regular trips during peak season.</p> <p><strong>Isla Mujeres, Mexico</strong></p> <p>Sitting ever so calmly at the convergence of the Caribbean Sea and the Gulf of Mexico, Isla Mujeres (Spanish for “Island of Women”) feels blissfully removed from the hustle, bustle, booze-fuelled debauchery, and hard-partying antics of nearby Cancún. This sleepy little isle trades nightclubs that blare techno music for breezy beach bars and a low-key yet vibrant downtown area. Isla Mujeres also promises sandy shores, casual seafood eateries, local artisan shops, excellent snorkelling, and a turtle sanctuary. Since it’s only eight kilometres long and 800 metres wide at its widest point, a car isn’t necessary (or even recommended). The best way to get around? Golf cart, moped, bicycle, or your own two feet.</p> <p><strong>Little St. Simons Island, Georgia, USA</strong></p> <p>A sliver of unspoiled paradise, little St. Simons Island is a private 4,500-hectare barrier island off the coast of Georgia, in the US. Widely touted as one of the most beautiful and least developed of The Peach State’s fabled Golden Isles, this treasure tempts travellers with 11 kilometres of unblemished beaches, giant cedar trees, and diverse wildlife. The sole accommodation, The Lodge on Little St. Simons Island, has six quaint cottages. It also offers a wide array of naturalist-led activities, such as bird watching and guided nature walks.</p> <p><strong>Fox Island, Alaska</strong></p> <p>Located off the coast of Seward, Fox Island is widely regarded as the crown jewel of Alaska’s Resurrection Bay. Envision imposing mountains, pebble beaches, sheltered coves, and glimmering glaciers. The raw beauty of this 5.47-kilometres-long parcel has inspired many visitors. Of course, outdoor adventure comes with the territory, too. Fox Island’s legendary peaks beckon hiking enthusiasts. And sea kayaking, salmon fishing, and wildlife peeping are also popular pastimes – especially in late spring and early summer. Starting in mid-May, humpback whales feed on herring in Resurrection Bay for almost a month. Soon thereafter, pods of orcas claim the clear waters for mating.</p> <p><strong>Dangar Island, Australia</strong></p> <p>Situated just north of Sydney, Dangar Island is a 29-hectare stretch of land in the Hawkesbury River that’s almost entirely forested. Roughly 250 people live on this leafy little gem that’s beloved for its car-free roads, waterfront houses, beaches, aboriginal rock carvings, gorgeous views, and laid-back vibe. Though most residents would probably prefer the many charms of Dangar Island to remain under wraps, holidaymakers and urbanites have taken notice. As such, the number of locals surges during peak season, when many folks hop on the ferry from the town of Brooklyn in New South Wales in an attempt to trade city life for more peaceful, pastoral pleasures.</p> <p><strong>Just Enough Room Island, New York, USA</strong></p> <p>Part of the Thousand Islands archipelago, between New York and Ontario, Just Enough Room Island covers a mere 1005 square metres – making it the “smallest inhabited island.” So, what could possibly fit on a plot that’s the size of a tennis court? Well, it seems to be just enough room for a cosy cottage, a tree, some shrubs, and an itsy-bitsy beach. While you can’t actually step foot on this privately-owned patch (the Sizeland family purchased it as a holiday sanctuary back in the 1950s), ogling from a boat while cruising along the Saint Lawrence River is fair game.</p> <p><strong>Simping Island, Indonesia</strong></p> <p>Indonesia consists of a staggering 17,508 volcanic islands of various shapes and sizes. Simping Island (previously called Pulau Kelapa Dua), in the province of West Kalimantan, is the smallest with a total width of 0.5 hectares. At first glance, it appears to be nothing more than a mound of sand, stone, and several trees bobbing in calm waves. But its diminutive proportions haven’t deterred visitors from going there to pray and even erecting a shrine. To that end, the most intriguing and unexpected element on this otherwise unassuming skerry is a Chinese temple. A locally built pedestrian footbridge means easy access for worshipers and day-trippers alike.</p> <p><strong>Saba, Netherlands Antilles</strong></p> <p>The smallest island in the Netherlands Antilles, Saba measures 13 square kilometres and has a population of around 2000, so it tends to fly under the radar. Unlike most of its Caribbean neighbours, Saba doesn’t have picture-perfect beaches. But what this pyramid-shaped isle lacks in size and sandy shoreline, it more than makes up for in lush rainforests. The chance to trek Mt Scenery, a dormant volcano and the highest point in the Kingdom of the Netherlands, is another major selling point. Favour aquatic adventures? Turquoise tides and colourful marine life provide incredible opportunities for scuba diving.</p> <p><em><span id="docs-internal-guid-a7dd37e6-7fff-5959-368c-94f31c038487">Written by Lindsay Cohn. This article first appeared in <a href="https://www.readersdigest.com.au/culture/10-of-the-smallest-islands-in-the-world" target="_blank" rel="noopener">Reader’s Digest</a>. For more of what you love from the world’s best-loved magazine, <a href="http://readersdigest.innovations.com.au/c/readersdigestemailsubscribe?utm_source=over60&amp;utm_medium=articles&amp;utm_campaign=RDSUB&amp;keycode=WRA87V" target="_blank" rel="noopener">here’s our best subscription offer.</a></span></em></p> <p><em>Image: Getty Images</em></p>

International Travel

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Blockheads’ four tips for living large in a small space

<p dir="ltr">While many of us dream of having ample room in our homes, the reality for many of us is that our spaces are more compact than we may like.</p> <p dir="ltr">But, this doesn’t mean we can’t have our homes renovated or decorated as we’d like them - it all comes down to being savvy with the space we have.</p> <p><span id="docs-internal-guid-e3b7912a-7fff-eae3-b58a-bc823e196a42">For Brad and Lara Cranfield, who claimed victory in the 2012 season of <em>The Block Australia</em>, making conscious design choices helped them in renovating their dream house in Byron Bay and transforming it from a shack to a spacious home.</span></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/p/B4ZWkZ1FTJJ/?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/p/B4ZWkZ1FTJJ/?utm_source=ig_embed&amp;utm_campaign=loading" target="_blank" rel="noopener">A post shared by Brad and Lara Cranfield (@bradandlara_theblock)</a></p> </div> </blockquote> <p dir="ltr">“Our house was in its original 1960’s condition when we purchased it. There were small rooms everywhere – an entry foyer, a lounge room and a pokey kitchen and dining room – so we knew that we had to open it up to increase the light, space and make it family-friendly,” Lara says.</p> <p dir="ltr">If you’re looking to achieve something similar in your home, Lara and Brad have shared their four top tips for making the most of your space, even when it’s compact.</p> <p dir="ltr"><strong>Be selective of flooring details</strong></p> <p dir="ltr">For Lara and Brad, selecting a light colour and the direction of their flooring was a key to helping open up their space.</p> <p><span id="docs-internal-guid-e27ad509-7fff-0856-9c49-7df598429dbd"></span></p> <p dir="ltr">The Carpet Court ambassadors chose light brown flooring that complemented their ‘beachy’ aesthetic, while also being within their budget and opening up their rooms.</p> <p dir="ltr"><img src="https://oversixtydev.blob.core.windows.net/media/2022/11/b4-after1.jpg" alt="" width="1280" height="720" /></p> <p dir="ltr">“By selecting lighter flooring, we were able to visually open each room, particularly smaller areas such as the bedrooms and home office, making each look and feel larger,” Lara explains.</p> <p dir="ltr">“Installing the flooring so that it ran along the length of each room was critical in visually elongating the rooms, making them appear larger.” </p> <p dir="ltr"><strong>Open up with your windows</strong></p> <p dir="ltr">Even if you’re working with limited space, taking advantage of windows can help make your home feel larger than it really is.</p> <p dir="ltr">“Windows play an important role in opening up a space – from letting in natural light to drawing the eye upwards or towards the outdoors – so how they are dressed needs to be carefully considered,” Lara says.</p> <p dir="ltr">To take advantage of their high ceilings, Lara and Brad installed floor-to-ceiling window shades and opted for a thin track system to create a simple, sleek look.</p> <p dir="ltr">Another option is to add in a skylight or install larger windows, with the couple suggesting those that are floor-to-ceiling to maximise natural light entering your spaces.</p> <p dir="ltr">“Ensuring your home has enough access to natural light is essential in helping it feel spacious, bright, and open,” Lara adds. </p> <p dir="ltr"><strong>Take to the walls</strong></p> <p dir="ltr">Along with more light and light flooring, busting out the paint on your walls and ceilings can work in tandem to open up your home.</p> <p dir="ltr">“Using light coloured paint on the walls and ceiling will also help maximise the space and work alongside the natural light to brighten your home,” Lara says.</p> <p dir="ltr"><span id="docs-internal-guid-62ee793f-7fff-2255-bedc-fe0fa2297da1"></span></p> <p dir="ltr">If you opt for a darker paint, less natural light will be reflected within the home and artificial light will be muted.</p> <p dir="ltr"><img src="https://oversixtydev.blob.core.windows.net/media/2022/11/b4-after2.jpg" alt="" width="1280" height="720" /></p> <p dir="ltr">Rearranging your walls altogether - if it’s in your budget - is another dramatic way to change the space inside your home.</p> <p dir="ltr">After eliminating some of the walls in their home, Lara and Brad turned their series of small rooms into an open plan living area - with dramatic results.</p> <p dir="ltr">“To maximise space, we knocked down all adjoining walls to create a large, open plan living area. As some of the walls were load bearing, we had to add ceiling beams,” Lara explains.</p> <p dir="ltr">“Eliminating these walls has changed the way that we live – I can now see where the family is and what they’re up to, which is great when you have young children.”</p> <p dir="ltr"><strong>Balance furniture and clutter</strong></p> <p dir="ltr">After picking your flooring, changing your physical spaces and updating the paint, all that’s left is to decorate, which can also be done strategically.</p> <p dir="ltr"><span id="docs-internal-guid-2da02e3c-7fff-3da7-ad07-ceadb52b1d95"></span></p> <p dir="ltr">Lara suggests scaling the size of your furniture to your spaces and removing unnecessary items to minimise clutter, and even considering built-in furniture.</p> <p dir="ltr"><img src="https://oversixtydev.blob.core.windows.net/media/2022/11/after1.jpg" alt="" /></p> <p dir="ltr">“Make sure that you select the right scale furniture for a space – and that doesn’t always mean including small items for small rooms! Large furnishings can still be put into a small room. And remember, less is more, so if a room is cluttered make sure you declutter and take any unnecessary items out,” she says.</p> <p dir="ltr">“You also want your room to be functional – you may create a beautiful room on paper, however in reality it doesn’t always work. Built-in furniture, like a banquette with storage or a coffee table that works as a box, allows you to enjoy the room and your home free of unnecessary clutter.”</p> <p dir="ltr"><span id="docs-internal-guid-5b1c6e44-7fff-55e3-173b-2f2561fd2da6"></span></p> <p dir="ltr"><em>Images: Instagram / Depthfield Photography - Michael Lean</em></p>

Home Hints & Tips

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Just 25% of businesses are insured against cyber attacks. Here’s why

<p>In the past financial year, the Australian Cyber Security Centre received <a href="https://www.cyber.gov.au/acsc/view-all-content/reports-and-statistics/acsc-annual-cyber-threat-report-july-2021-june-2022" target="_blank" rel="noopener">76,000 cyber-crime reports</a> – on average, one every seven minutes. The year before, it was a report every eight minutes. The year before that, every ten minutes.</p> <p>The growth of cyber crime means it is now arguably the <a href="https://www.aon.com/2021-global-risk-management-survey/index.html" target="_blank" rel="noopener">top risk facing any business</a> with an online presence. One successful cyber attack is all it takes to ruin an organisation’s reputation and bottom line. The estimated cost to the Australian economy in <a href="https://www.unsw.adfa.edu.au/newsroom/news/cybercrime-estimated-42-billion-cost-australian-economy" target="_blank" rel="noopener">2021 was $42 billion</a>.</p> <p>To protect itself (and its customers), a business has three main options. It can limit the amount of sensitive data it stores. It can take greater care to protect the data it does store. And it can insure itself against the consequences of a cyber attack.</p> <p>Cyber-insurance is a broad term for insurance policies that address losses as a result of a computer-based attack or malfunction of a firm’s information technology systems. This can include costs associated with business interruptions, responding to the incident and paying relevant fines and penalties.</p> <p>The global cyber-insurance market is now worth an estimated US$9 billion (A$13.9 billion). It is tipped to grow to <a href="https://www.munichre.com/content/dam/munichre/contentlounge/website-pieces/documents/MunichRe-Topics-Cyber-Whitepaper-2022.pdf/_jcr_content/renditions/original./MunichRe-Topics-Cyber-Whitepaper-2022.pdf" target="_blank" rel="noopener">US$22 billion by 2025</a>.</p> <p>But a big part of this growth reflects escalating premium costs – in Australia they increased more <a href="https://www.insurancebusinessmag.com/au/news/cyber/whats-driving-up-cyber-insurance-premiums-in-australia-417542.aspx" target="_blank" rel="noopener">than 80% in 2021</a> – rather than more business taking up insurance.</p> <p>So coverage rates are growing slowly, with about 75% of all businesses in Australia having no cyber-insurance, according to 2021 figures from the <a href="https://insurancecouncil.com.au/wp-content/uploads/2022/03/Cyber-Insurance_March2022-final.pdf" target="_blank" rel="noopener">Insurance Council of Australia</a>.</p> <p><strong>Challenges in pricing cyber-insurance</strong>&lt;/p</p> <p>With cyber-insurance still in its infancy, insurers face significant complexities in quantifying cyber risk pricing premiums accordingly – high enough for the insurers not to lose money, but as competitive as possible to encourage greater uptake.</p> <p>A 2018 assessment of the cyber-insurance market by the <a href="https://www.cisa.gov/sites/default/files/publications/20_0210_cisa_oce_cyber_insurance_market_assessment.pdf" target="_blank" rel="noopener">US Cybersecurity and Infrastructure Security Agency</a> identified three major challenges: lack of data, methodological limitations, and lack of information sharing.</p> <p>Lack of historical loss data means insurers are hampered in accurately predicting risks and costs.</p> <p>Because of the relative newness of cyber crime, many insurers use risk-assessment methodologies derived from more established insurance markets <a href="https://www.rand.org/pubs/external_publications/EP67850.html" target="_blank" rel="noopener">such as for car, house and contents</a>. These markets, however, are not analogous to cyber crime.</p> <p>Companies may be hesitant to disclose information about cyber incidents, unless required to do so. Insurance carriers are reluctant to share data pertaining to damage and claims.</p> <p>This makes it hard to create effective risk models that can calculate and predict the likelihood and cost of future incidents.</p> <p><strong>So what needs to be done?</strong></p> <p>Deakin University’s <a href="https://cybercentre.org.au/" target="_blank" rel="noopener">Centre for Cyber Security Research and Innovation</a> has been working with insurance companies to understand what must be done to improve premium and risks models pertaining to cyber insurance.</p> <p>Here is what we have found so far.</p> <p>First, greater transparency is needed around cyber-related incidents and insurance to help remedy the lack of data and information sharing.</p> <p>The federal government has taken two steps in the right direction on this.</p> <p>One is the <a href="https://www.accc.gov.au/focus-areas/consumer-data-right-cdr-0" target="_blank" rel="noopener">Consumer Data Right</a>, which provides guidelines on how service providers must share data about customers. This came into effect in mid-2021.</p> <p>The other is the government’s proposal to amend <a href="https://www.aph.gov.au/Parliamentary_Business/Bills_Legislation/Bills_Search_Results/Result?bId=r6940" target="_blank" rel="noopener">privacy legislation</a> to increase penalties for breaches and give the Privacy Commissioner new powers.</p> <p>Second, insurers must find better ways to measure the financial value and worth of the data that organisations hold.</p> <p>The primary asset covered by cyber insurance is the data itself. But there is no concrete measure of how that data is worth.</p> <p>The recent Optus and Medibank Private data breaches provide clear examples. The Optus event affected millions more people than the Medibank Private hack, but the Medibank Private data includes <a href="https://www.afr.com/technology/privacy-fallout-from-medibank-hack-will-be-widespread-20221023-p5bs75" target="_blank" rel="noopener">sensitive medical data</a> that, in principle, is worth far more than data regarding just your personal identity.</p> <p>Without an accurate way to measure the financial value of data, it is difficult to determine the appropriate premium costs and coverage.</p> <p>Cyber insurance is a new, specialised market with significant uncertainty. Given the ever-increasing risks to individuals, organisations and society, it is imperative that insurers develop robust and reliable risk-based models as soon as possible.</p> <p>This will require a consolidated effort between cyber-security experts, accountants and actuaries, insurance professionals and policymakers.<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/193533/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em>Writen by Jongkil Jay Jeong and Robin Doss. Republished with permission from <a href="https://theconversation.com/just-25-of-businesses-are-insured-against-cyber-attacks-heres-why-193533" target="_blank" rel="noopener">The Conversation</a>.</em></p> <p><em>Image: Getty Images</em></p>

Money & Banking

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Locals rally after 12-year-old has business shut down

<p dir="ltr">A 12-year-old boy has gained the support of his local community after his snack-selling business was shut down by council.</p> <p dir="ltr">Jesse Lane was earning some tidy profits from selling cold drinks, insect repellent, dog treats and sunscreen in a tent on the Bondi to Coogee walk in Sydney’s Eastern Suburbs.</p> <p dir="ltr">Despite his success, the venture was shut down after two locals complained that he shouldn’t be making profits on public land.</p> <p dir="ltr">The complaints came after Randwick Council rejected Jesse’s trading application because he didn’t have insurance.</p> <p dir="ltr">But even when he acquired insurance months later, the application was rejected again.</p> <p dir="ltr">With his tent stall facing a forced closure, locals have rallied around Jesse.</p> <p dir="ltr">“Jessie is the hard-working kid who sets up and sells a number of things for hot and thirsty walkers and their pets,” one person shared on Facebook.</p> <p dir="ltr">“The world needs more kids to drive to work hard for themselves and not sit around and play video games all day.</p> <p dir="ltr">“His parents must be so proud of him and people should mind their business, if the kid wants to make money and work on his weekends good on him.”</p> <p dir="ltr">Susan Ley, the deputy leader of the Liberal party, chimed in to support the youngster, saying he should be commended for “having a go”.</p> <p dir="ltr">“We won’t have the small businesses and entrepreneurs of tomorrow if we don’t back them today,” she said.</p> <p dir="ltr">“This is a foolish decision @RandwickCouncil and it should be reversed.</p> <p dir="ltr">“Local community (equals) happy, 12-year-old kid having a go … what’s the problem?”</p> <p dir="ltr">In August, <em>Yahoo News</em> reported that Randwick Council confirmed that there had been a “number” of complaints about Jesse’s business.</p> <p dir="ltr">"He was initially selling drinks but has expanded to include a range of products including sunscreen, insect repellent and dog treats," a council spokesperson told <em>2GB </em>radio.</p> <p dir="ltr">“While we admire the innovation and entrepreneurial spirit of the young man, there are restrictions on commercial operations in public parks.</p> <p dir="ltr">“Council received a number of complaints from people concerned about the precedent of commercialisation of the park as well as concern about the safety and welfare of a young boy trading and handling money in a public place.”</p> <p dir="ltr">“Council has carefully considered the application. Unfortunately, it has determined that the activity is not consistent with the primary use of the land and it is not in the public interest for a proliferation of these types of activity along the length of the coastline.”</p> <p><span id="docs-internal-guid-4600703a-7fff-8fd5-8584-58c705a63219"></span></p> <p dir="ltr"><em>Image: 7News</em></p>

Money & Banking

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Small gestures are most important in relationships

<p>It’s not grand gestures and lavish gifts that make love last but the little things that you do and say that show how much you care.  </p> <p>The Enduring Love project by Open University in Britain surveyed more than 5,000 people on their relationships and found, contrary to popular belief, it’s not big displays of love that count but the mundane, day-to-day gestures, like sharing a cup of coffee, that helped sustain a relationship and were crucial to relationship satisfaction.</p> <p>“Surprise gifts and small acts of kindness were valued highly, with ‘a cup of tea’ being singled out as a significant sign of their partner's appreciation.</p> <p>Bouquets of flowers and boxes of chocolates were seen as less important than the thoughtfulness behind the gesture,” the study states.</p> <p>Jacqui Gabb, co-author of the project, noted, “Actions really do speak louder than words and many people consider a loving gesture to be as valuable as hearing ‘I love you’.</p> <p>Grand romantic gestures, although appreciated, don't nurture a relationship as much as bringing your partner a cup of tea in bed, or watching TV together.”</p> <p>The project identified sharing values, faith, beliefs, tastes, ambitions and interests with their partner, as well as expressions of intimacy and being aware of one another’s needs as important to relationship satisfaction.</p> <p>It also found having children affected relationship quality more than any other factor and mothers are happiest in their life than any other group.</p> <p>Co-author Janet Fink said: "With a tough economic climate, the rise in grey divorce and social media opening up new ways to start affairs, it isn't always easy to keep love alive today.</p> <p>"However, our survey has shown that surviving adversities – even very difficult situations such as being out of work – can make a relationship much stronger. What doesn't break you can make you."</p> <p><em>Image: Shutterstock</em></p>

Relationships

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9 tips for starting a business

<p>Always dreamed of starting a business? Well, there’s no better time than the present. Here’s nine tips to help get you started.</p> <p>Whether you’d like to take your passion for sewing, cooking or helping others further, or if you wouldn’t mind a bit of extra money in retirement, starting a business can not only keep your mind and body active, but you’ll be benefiting the wider community.</p> <p>The new wave of entrepreneurialism isn’t young Richard Branson types, its people in their 50s and 60s who have skills in a range of trades or activities and the time to invest in getting a business off the ground.</p> <p>Dr Alex Maritz, associate professor of entrepreneurship at Swinburne University of Technology, says senior entrepreneurship is a significant phenomenon across the globe. “Sixty is the new 50. People aged 50-65 have a higher rate of entrepreneurial activity than those aged 20-34, so what are you waiting for?” he says. “This is the fastest growing segment of entrepreneurship across the globe.”</p> <p>If you think you have what it takes to start your own business, here’s a few of Dr Maritz’s tips for getting started.</p> <p><strong>1. Make a profit from your passion</strong></p> <p>A hobby to supplement your income is always first prize. Your mature skills and social aptitude drive your motivation, skills and, more importantly, the opportunity to achieve. Risk and reward are always a trade-off, but better so when you do something you enjoy doing.</p> <p><strong>2. Surround yourself with likeminded people</strong></p> <p>Network with other seniorpreneurs who are also starting new ventures. Just think of all those combined skills and professional services you may obtain at mates’ rates. Even sports clubs for seniors are fantastic networking opportunities. Positive environments promote proactivity, innovation and calculated risk-taking. Network with niche organisations such as Seniors Australia.</p> <p><strong>3. Work anywhere you want</strong></p> <p>Starting a business no longer necessarily requires a brick and mortar office or storefront. If you do require an office, share space at incubators and networks. Flexibility is the name of the game. Virtual offices are the domain of entrepreneurs.</p> <p><strong>4. As you grow seek help from part-timers</strong></p> <p>Manage your resource cost and remember, the best human resource is usually shared. And it’s not always physical, many services are offered and procured online. Do not overcommit by hiring permanent staff. Fixed costs are dead weight!</p> <p><strong>5. Get creative if you need funding</strong></p> <p>Friends and family are always a great option to top up the finances to start your business. Other options include grants, contests and crowd funding. Suppliers may well provide valuable credit terms. Use your own credit history to secure additional funds.</p> <p><strong>6. Top up your skills</strong></p> <p>Upskill your entrepreneurship education and training (classes and online). This may sound cumbersome, but enhancing your business acumen pays dividends. If you go to classes, it’s a valuable networking opportunity as well. Most providers also offer online modules.</p> <p><strong>7. Get savvy online</strong></p> <p>Remember, 97 per cent of consumers search the internet for goods and services. A website and blog go a long way to enhancing your referrals, customer retention and related sales. Even if your business is not online, a virtual presence is essential.</p> <p><strong>8. Working on the go with your mobile</strong></p> <p>Similar to making your workspace fit your lifestyle, your mobile device (smartphone) is your new mobile office. Real time communication necessitates real time response; not just a by-product of your office environment.</p> <p><strong>9. Spread the word with social media</strong></p> <p>Hand in hand with digital and internet technology, this is an ideal entrepreneurial marketing avenue open for start-ups. Scan the many online tutorials to assist in this regard.</p> <p>If you’d like to share your thoughts, get resources and connect with likeminded people, take a look at SeniorPreneurs.org. Co-founded by Dr Maritz, it’s a social community of people over 50 who have a passion for business start-ups.</p> <p><em>Image: Getty</em></p>

Money & Banking

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Did Dad book us into a doghouse by mistake?

<p>There are some things in life that you can’t leave up to dads alone and booking the accomodation for the family holiday is one of them.</p> <p>Kylie Keefe’s dad was trusted with the difficult task and accidentally made a huge mistake. He somehow managed to book a tiny house for the family of 4 grown adults and two big dogs.</p> <p>Sharing the funny mishap on TikTok, which has been viewed over 29 million times, Kylie said: “So my dad rented this Airbnb for four people and two dogs for four nights.”</p> <blockquote class="tiktok-embed" style="max-width: 605px; min-width: 325px;" cite="https://www.tiktok.com/@kyliekeefe2/video/7130339777303498030" data-video-id="7130339777303498030"> <section><a title="@kyliekeefe2" href="https://www.tiktok.com/@kyliekeefe2" target="_blank" rel="noopener">@kyliekeefe2</a> so my dad rented this Airbnb for four people and 2 dogs for two nights <a title="fyp" href="https://www.tiktok.com/tag/fyp" target="_blank" rel="noopener">#fyp</a> <a title="airbnb" href="https://www.tiktok.com/tag/airbnb" target="_blank" rel="noopener">#airbnb</a> <a title="tinyhome" href="https://www.tiktok.com/tag/tinyhome" target="_blank" rel="noopener">#tinyhome</a> <a title="♬ original sound - Kylie Keefe" href="https://www.tiktok.com/music/original-sound-7130339750841617198" target="_blank" rel="noopener">♬ original sound - Kylie Keefe</a></section> </blockquote> <p>Viewers have compared the property to a child’s dollhouse and some even suggested they’d all have to sleep standing up.</p> <p>"That's the dog house," one person commented, while another added: "I'm sure Dad is bragging about how good of a deal he got."</p> <p>Kylie’s stepmum, Erika, shared a tiny house tour, showing a double bed on a mezzanine level as well as two “pullout chairs” which were expected to turn into beds.</p> <p>The property managers of the tiny house, ACL Tiny Houses, later confirmed that Kylie’s dad had accidentally booked for two people instead of four.</p> <p>However the listing said it “sleeps three comfortably”. There are also two other tiny houses nearby that can be booked on the same property.</p> <p>Kylie confirmed that the actual Airbnb was very cute and they were simply laughing at their dad’s mistake.</p> <p><em>Image: TikTok</em></p>

Real Estate

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"Stop slapping him!": Carriage horse collapses in busy street

<p dir="ltr">The horrifying moment a carriage horse breaks down in the middle of a busy New York City street has angered animal activists.</p> <p dir="ltr">Heartbreaking footage shows the horse's knees buckling, possibly due to the weight of the carriage it's been pulling all day in the heat, when it fell to the ground. </p> <p dir="ltr">The driver could be seen shouting multiple times at the horse, known as Ryder, to “get up” and slapping it to get up. </p> <p dir="ltr">“What if I slapped you around like that, bro?” one person can be heard saying. </p> <p dir="ltr">“Stop slapping him,” another woman called out.</p> <p dir="ltr">“I’m trying to get him up, alright,” the driver said, as he once again whipped the horse with the reins.</p> <p dir="ltr">The driver then removed the carriage with the help of an onlooker as police arrived and sprayed Ryder with water. </p> <p dir="ltr">Ryder then attempted to get up several times but failed until an adrenaline shot was administered.</p> <blockquote class="twitter-tweet"> <p dir="ltr" lang="en">BREAKING: This horse COLLAPSED while pulling a carriage in NYC, likely from heat exhaustion, and has been down for over an hour.</p> <p>Horses don’t belong in big cities where they’re put in constant danger because of cars, humans, weather, and more. <a href="https://t.co/vXBVRJRjPB">pic.twitter.com/vXBVRJRjPB</a></p> <p>— PETA (@peta) <a href="https://twitter.com/peta/status/1557504250359361537?ref_src=twsrc%5Etfw">August 10, 2022</a></p></blockquote> <p dir="ltr">After an hour or so, the horse was back on its feet and was taken to an unknown location to be looked at. </p> <p dir="ltr">Tony Utano, President of Transport Workers Union Local 100 slammed those who attacked the driver for jumping to conclusions saying the horse, Ryder, was suffering from EPM. </p> <p dir="ltr">“We thank everyone for their concern about Ryder, one of the beloved Central Park carriage horses,” he said. </p> <p dir="ltr">“The veterinarian believes Ryder has EPM, a neurological disease caused by possum droppings. </p> <p dir="ltr">“This is another example why people shouldn't rush to judgement about our horses or the blue-collar men and women who choose to work with them and care for them.”</p> <p dir="ltr">However, this did not stop animal rights group PETA from calling out the practice, which constantly puts horses in danger.</p> <p dir="ltr">“This horse COLLAPSED while pulling a carriage in NYC, likely from heat exhaustion, and has been down for over an hour,” PETA wrote.  </p> <p dir="ltr">“Horses don’t belong in big cities where they’re put in constant danger because of cars, humans, weather, and more.”</p> <p dir="ltr">Many other supporters have called for the ban of carriage horses to be replaced with electric vehicles. </p> <p dir="ltr"><em>Images: Twitter</em></p>

Family & Pets

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14 smart small yard landscaping ideas

<p><strong>Leave some space</strong></p> <p>When considering landscaping ideas for a small yard, remember to leave space. It’s easy to overcrowd things and inadvertently create a claustrophobic effect. Here, a seating area has a clear view to the garden, courtesy of a small patch of grass and some unobstructed hardscaping.</p> <p><strong>Layered landscape</strong></p> <p>An easy backyard idea for small yards is to create a layered landscape – just like in nature. Think of a forest with low groundcovers, ferns, shade-tolerant understory shrubs and trees, and the tall overhead trees. You can do the same thing with your small yard landscaping! Use things like groundcovers, bulbs and crevice plants to create a beautiful layered landscape, while maximising your flower bed space!</p> <p><strong>Walls and fences</strong></p> <p>Sure, you want your small yard landscaping to include privacy, so why not utilise surrounding structures like walls and fences? For this small yard idea, vines are the perfect answer – just be sure to pick one that’s not invasive or a garden thug.</p> <p><strong>Vertical gardens</strong></p> <p>A popular trend in small yard ideas is to garden vertically. There are many off-the-shelf products that allow you to grow plants vertically, such as the wall planters seen here. Or you can create something yourself. Either way it creates gardening space out of thin air.</p> <p><strong>Hanging planters</strong></p> <p>Another clever way to maximise space is with hanging planters.</p> <p><strong>Window boxes</strong></p> <p>A more traditional way of maximising gardening space is with window boxes. Naturally, you can attach them beneath your windows. But other small yard ideas include placing them on a porch, around the perimeter of a patio, or hanging from a deck railing.</p> <p><strong>Dwarf plants</strong></p> <p>Growers are continually introducing new cultivars with special characteristics. One of those is a dwarf habit. When considering landscaping ideas, you can grow a tree that matures at 30cm or 25 metres. When you choose the former, you end up with enough space to add companion plants.</p> <p><strong>Columnar plants</strong></p> <p>While you’re considering size and growth characteristics, think about habit as well. Columnar plants, such as this upright pear cultivar, grow straight up. There’s more room to the side, and more light at the bottom for a greater variety of plants. And yet you still get the blooms and the fruit. Win-win!</p> <p><strong>Trailing plants</strong></p> <p>Here’s another shape that will help when looking for landscaping ideas for a small yard. You can run trailing plants down the side of a planter, as seen here, or let them trail from the top of a wall. Either way maximises space and softens a hard surface to help it blend into the landscape.</p> <p><strong>Crevice plants</strong></p> <p>Crevices are ubiquitous to most gardens, so you might as well make use of them. Sedum and other succulents such as Sempervivum are perfect for these spots, which are often on the lean and dry side. They make the space prettier and the hard surfaces less imposing.</p> <p><strong>Narrow spots</strong></p> <p>Along with crevices, most gardens have narrow strips that lack soil and moisture. Rather than fighting the conditions, work with them. One of the small yard ideas you can implement is to plant some tough, vining groundcovers and let them sprawl over the area. Use ivy in shady areas, succulents in sunny spots. A mulch of gravel is a nice low-maintenance addition that keeps plant foliage clean.</p> <p><strong>Containers</strong></p> <p>Let’s not forget containers when thinking about small yard landscaping. They’re more popular than ever – and not just because they maximise gardening space. Containers add greatly to a garden’s character. They allow you to show off your favourite plants. And if you coordinate their colour and arrange them in odd numbers, you create a dashing focal point.</p> <p><strong>Lawn substitute</strong></p> <p>As you saw earlier, a small lawn can be helpful to a small-space garden because it opens up the area and makes it feel less claustrophobic. Well, if you’re not going to be walking on the lawn all the time, you might consider substituting a groundcover. You not only avoid mowing, you also integrate the area into the landscape. With a groundcover, your lawn becomes the garden.</p> <p><strong>Bonsai and miniature garden</strong></p> <p>The smallest yard in the world has room for a garden when the plants are miniaturised. Examples include bonsai, miniature fairy gardens and terrariums. Although usually kept indoors in cold climates, they can holiday outside for the summer in a protected location where they’re not exposed to too much direct sunlight.</p> <p><em><span id="docs-internal-guid-10109d2b-7fff-55c9-ef0b-3a37aaae3da9">Written by Luke Miller. This article first appeared in <a href="https://www.readersdigest.co.nz/food-home-garden/gardening-tips/14-smart-small-yard-landscaping-ideas" target="_blank" rel="noopener">Reader’s Digest</a>. For more of what you love from the world’s best-loved magazine, <a href="http://readersdigest.innovations.co.nz/c/readersdigestemailsubscribe?utm_source=over60&amp;utm_medium=articles&amp;utm_campaign=RDSUB&amp;keycode=WRA87V" target="_blank" rel="noopener">here’s our best subscription offer.</a></span></em></p> <p><em>Image: Getty Images</em></p>

Home & Garden

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Want to cut your chance of catching COVID on a plane? Wear a mask and avoid business class

<p>A Florida court recently <a href="https://www.abc.net.au/news/2022-04-19/florida-judge-voids-us-mask-mandate-for-planes-other-travel/100998116">overturned mask mandates</a> on planes in the United States, saying the directive was unlawful. That decision is now <a href="https://www.9news.com.au/world/covid19-masks-on-us-flights-justice-department-appeals-easing-of-rules/a960d39c-dff4-4198-935c-c5b5c5b40551">under appeal</a>.</p> <p>Before that, Australian comedian Celeste Barber <a href="https://twitter.com/djokaymegamixer/status/1514836909620572162">told her social media followers</a> a passenger sitting next to her on a recent flight took off her mask to sneeze.</p> <p>So wearing masks on planes to limit the spread of COVID is clearly a hot-button issue.</p> <p>As we return to the skies more than two years into the pandemic, what is the risk of catching COVID on a plane? And does it really matter where on the plane you are?</p> <h2>So many variables</h2> <p>It’s impossible to give a precise answer about your risk of catching COVID on a plane as there are so many variables.</p> <p>For instance, not all countries and <a href="https://twitter.com/British_Airways/status/1503729049050353665">airlines</a> require passengers to wear masks or <a href="https://www.nationalworld.com/lifestyle/travel/where-can-i-travel-without-a-vaccine-countries-that-allow-unvaccinated-passengers-and-entry-requirements-3528913">be vaccinated</a>.</p> <p>Some countries and airlines require a negative COVID test within a certain timeframe before flying, others have <a href="https://www.homeaffairs.gov.au/covid19/vaccinated-travellers/temporary-visa-holders/leaving-australia">scrapped that requirement</a> entirely. </p> <p>Then there are different rules that may apply if you’re flying domestically or internationally, or <a href="https://www.health.gov.au/health-alerts/covid-19/international-travel/proof-of-vaccination">leaving or entering</a> a country.</p> <p>That’s before we start talking about the virus itself. We know more recent variants have emerged (Omicron and the sub-variant BA.2, for example), that are <a href="https://aci.health.nsw.gov.au/covid-19/critical-intelligence-unit/sars-cov-2-variants">much more easily transmitted</a> than the original virus or the Delta variant. We don’t know how transmissible future variants or sub-variants will be.</p> <p>So we can only talk in general terms about the risk of catching COVID on a plane. All up, your risk <a href="https://www.sciencedirect.com/science/article/pii/S1477893921001745">is very low</a>, but the measures airlines put in place help achieve that. You can also reduce your personal risk further in a number of ways.</p> <h2>Air flow and HEPA filters</h2> <p>Air flow is designed to largely <a href="https://www.sciencedirect.com/science/article/pii/S1477893920304117">travel vertically</a>, from the ceiling to the floor, to reduce the potential spread of contaminated air through the plane. </p> <p>The height of the seats acts as a <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC8013760/">partial barrier</a> to air movement from rows in front and behind you. </p> <p>Cabin air is also replaced <a href="https://cdn1.sph.harvard.edu/wp-content/uploads/sites/2443/2020/10/HSPH-APHI-Phase-One-Report.pdf">every two to three minutes</a> with a half-half mix of recycled and fresh air.</p> <p>To see <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC7588538/">how this works in real life</a>, researchers looked at how the virus spread on a long-haul flight when an infected person (the index case) sat in business class. </p> <p>Twelve of 16 people who were infected on the plane sat within a few rows of this person; another was a flight attendant. This suggests limited spread of contaminated air through the rest of the plane.</p> <p>Recycled air is also filtered through high-efficiency particulate air (or HEPA) filters. These remove <a href="https://cdn1.sph.harvard.edu/wp-content/uploads/sites/2443/2020/10/HSPH-APHI-Phase-One-Report.pdf">more than 99%</a> of viral particles, further reducing the risk of droplet or airborne transmission.</p> <h2>Masks</h2> <p>Well fitted masks or respirators (worn properly) can reduce your risk of contracting COVID on a flight. That’s why many airlines say wearing a mask is a condition of flying.</p> <p>For example, <a href="https://onlinelibrary.wiley.com/doi/10.1111/ina.12979">modelling</a> of several known transmission events on planes demonstrates an advantage if both the infected person and others around them wear masks.</p> <h2>Vaccination</h2> <p>Some countries, such as Australia, require entering travellers to be <a href="https://www.health.gov.au/health-alerts/covid-19/international-travel/proof-of-vaccination">fully vaccinated</a>. This <a href="https://www.thelancet.com/journals/laninf/article/PIIS1473-3099(21)00648-4/fulltext">lowers the risk</a> of someone becoming sick with COVID.</p> <h2>Pre-flight COVID testing</h2> <p>Not all flights require a negative COVID test before boarding. For those that do, the time frame before a flight varies, as does the type of test required. </p> <p>However, we know tests do not detect every single COVID case. A range of factors can influence test sensitivity (ability to detect COVID). These include the type and <a href="https://www.tga.gov.au/covid-19-rapid-antigen-self-tests-are-approved-australia">brand</a> of test you take, whether you have <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC8761676/">symptoms</a>, your <a href="https://ebm.bmj.com/content/early/2022/01/04/bmjebm-2021-111828">age</a>, and the <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC8761676/">viral variant</a>.</p> <p>You can also still test negative two days before a flight and catch COVID in the meantime.</p> <h2>Sanitisation</h2> <p>Airlines may do additional cleaning of high-touch areas, and overnight disinfection, to reduce the spread of COVID through touching contaminated surfaces. </p> <p>However, the risk of transmission by this route is <a href="https://cdn1.sph.harvard.edu/wp-content/uploads/sites/2443/2020/10/HSPH-APHI-Phase-One-Report.pdf">low</a> compared to the risk of catching COVID through breathing in infectious droplets and aerosols.</p> <h2>When and where are you most at risk?</h2> <p><strong>The closer you are to the infected person</strong></p> <p>Most transmission occurs within <a href="https://www.sciencedirect.com/science/article/pii/S1477893920304117">two to three rows</a> of an infected person. If you sit next to someone who is coughing or has other symptoms you might ask to <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC7665738/">move seats</a> if spare seats are available. </p> <p><a href="https://cdn1.sph.harvard.edu/wp-content/uploads/sites/2443/2020/10/HSPH-APHI-Phase-One-Report.pdf">Distance</a> yourself from others if you can, particularly when getting on and off the plane. </p> <p>You might also avoid sitting close to the toilets as passengers will hang about in the aisles waiting to use them, particularly on long flights.</p> <p><strong>The longer the flight</strong></p> <p>The risk increases with long- versus <a href="https://pubmed.ncbi.nlm.nih.gov/33650201/">short- or medium-haul</a>flights. During long-haul flights passengers are also more likely to <a href="https://onlinelibrary.wiley.com/doi/10.1111/ina.12979">recline their seats</a>. This somewhat reduces the <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC8013760/">protection upright seats</a> provide in reducing air movement between rows. </p> <p><strong>If you or others are not wearing a mask or wearing it properly</strong></p> <p>You can breathe infectious particles in and out via your nose as well as your mouth, so don’t wear your mask under your chin or nose.</p> <p>The risk also increases when everyone takes off their masks during food service. You might choose not to eat or drink on short flights to avoid this. Alternatively you might bring a snack to eat before food service begins, or <a href="https://cdn1.sph.harvard.edu/wp-content/uploads/sites/2443/2020/10/HSPH-APHI-Phase-One-Report.pdf">eat after</a> those around you. </p> <p><strong>If you contaminate your food or your face</strong></p> <p>You can catch COVID through touching your food or face with contaminated fingers. Sanitise your hands regularly and <a href="https://ieeexplore.ieee.org/document/9176589">train yourself</a> to not touch your face.</p> <p>If you are in business class</p> <p>Based on limited reports, the transmission risk appears higher in business class. This is possibly because of <a href="https://globalizationandhealth.biomedcentral.com/articles/10.1186/s12992-021-00749-6">more interruptions to mask wearing</a> due to greater service of food and drinks.</p> <p><em>Image credits: Getty Images</em></p> <p><em>This article originally appeared in <a href="https://theconversation.com/want-to-cut-your-chance-of-catching-covid-on-a-plane-wear-a-mask-and-avoid-business-class-180333" target="_blank" rel="noopener">The Conversation</a>.</em></p>

International Travel

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Crown Princess Mary’s trip to Bangladesh

<p dir="ltr">Crown Princess Mary is on a three day trip in Bangladesh and has shared her adventures in a selfie-style vlog online.</p> <p dir="ltr">Princess Mary arrived at Dhaka where she was greeted by Bangladesh’s Prime Minister Sheikh Hasina Wazed to start off her business trip.</p> <p dir="ltr">The 50-year-old was accompanied on the trip by Development Cooperation Flemming Møller Mortensen, who together met with workers from Danish companies in Bangladesh.</p> <p dir="ltr">The Princess is working toward an agreement which would see both countries collaborate on green, Earth-friendly products.</p> <p dir="ltr">In the incredible footage, Princess Mary is speaking in Dutch to her loyal fans, explaining the purpose of her trip. </p> <p dir="ltr">“On this journey, the focus is on the consequences of climate change for the population, nature and biodiversity, for Bangladesh is one of the world's most climate vulnerable countries, and it is expected that by 2050, up to 20 million people will be displaced,' Princess Mary says.</p> <p dir="ltr">“We need to focus more than ever on the diversity of nature and to promote projects aimed at conserving and protecting nature.</p> <p dir="ltr">“In Bangladesh, there is a worrying pressure on natural resources. At the same time, the country is one of the most vulnerable countries in relation to the negative consequences of climate change - also for the population.</p> <p dir="ltr">“This means, among other things, that people often have to move because they can no longer grow their crops or because areas are flooded.”</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/tv/Cc0i3ytlzmV/?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/tv/Cc0i3ytlzmV/?utm_source=ig_embed&amp;utm_campaign=loading" target="_blank" rel="noopener">A post shared by DET DANSKE KONGEHUS 🇩🇰 (@detdanskekongehus)</a></p> </div> </blockquote> <p dir="ltr">The video, which has been viewed more than 77,000 times received praise from her fans, commending the princess for her work. </p> <p dir="ltr">“Important work, thank you for sharing!” someone wrote.</p> <p dir="ltr">“Important to see you out in the field keeping it real Mary. Good work x,” another wrote. </p> <p dir="ltr">“Thank you so much for all of your work crown Princess,” someone else commented. </p> <p dir="ltr">In other posts, the Princess is seen taking selfies with members of the community, playing with children all while on her trip. </p> <p dir="ltr"><em>Images: Instagram</em></p>

Beauty & Style

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10 small (but effective!) ways to slay social anxiety

<p><strong>What is social anxiety?</strong></p><p>If you have an extreme fear of being judged in social situations, if you have a sadistic focus on all the things that can go wrong – nervously blurting out everything you never wanted to say aloud just to fill conversational lulls, or if you scrutinise all the awkward things you think you did or said after the fact, you could have social anxiety. A little social anxiety is normal for everyone, but when it becomes abnormal, it’s a self-serving narcissist hell-bent on your full attention. Social anxiety is especially tough to manage because it’s not just one thing. And it’s a bit contradictory – you have a general distaste for peopling, but also an internal need for … people. But on your terms, and in limited doses.</p><p>Social anxiety is contagious. Sort of. Researchers are learning that anxiety disorders run in families, and that they have a biological basis, much like allergies and diabetes. Anxiety disorders typically develop from a complex set of risk factors that include genetics, brain chemistry, personality, and life experiences. Anxiety, which is equally common among men and women, typically begins around age 13. Anxiety disorders are highly treatable, yet only about one-third of those with a disorder receive treatment.​</p><p>All of this supports a rationale for keeping a blank social calendar from an underground doomsday bunker. However, you can get out there and actually enjoy it! Here’s how.</p><p><strong>Throw a counterpunch</strong></p><p>Do not give in to what the anxiety is driving you to do. Instead, acknowledge it, and say, “Hey, inner angst, I’m the shot caller and I came to party!” Whatever it is that counters the anxiety, do it. Each time you parry your fear, you are ‘rewiring’ your brain and weakening anxiety’s hold on you. According to clinical professor of psychology, Dr Robert Leahy, social anxiety that’s left untreated is associated with an increased risk for alcohol abuse, depression, loneliness, decreased occupational advancement and the increased likelihood of remaining single. That’s no way to live! And that’s why it’s so important to feel and face your anxiety. You can actually do things while anxious and realise that nothing bad happens.</p><p><strong>Expose yourself</strong></p><p>Many studies demonstrate the success of exposure-based therapies for anxiety disorders, according to a large research review Dr Johanna S. Kaplan and Dr David F. Tolin, published in Psychiatric Times. We tend to avoid what frightens us and, in turn, are frightened by what we avoid. To begin to remedy this negative cycle, you can safely expose yourself to your triggers by creating an exposure hierarchy. Write down scenarios that cause you anxiety in order of severity. Perform the easiest behaviour first, and gradually move down the list. Your hierarchy might start with asking a stranger for directions and end with asking your boss for a raise. It doesn’t matter if your boss laughs you out the door. It matters that you actually asked. Social anxiety wants you timid and poor, but you can outsmart it.</p><p><strong>Play reporter</strong></p><p>According to therapist, Mark Tyrell, asking questions makes for great social lubricant when you otherwise have nothing to say in a social setting. Ask open-ended questions such as, “How do you know the host?” Alternatively, try soliciting advice, asking something like, “Anyone seen any good movies lately?” Ask follow-up questions that take the conversation deeper. Asking where the restroom or vodka is located, or when the party ends doesn’t count.</p><p><strong>Give yourself license to chill</strong></p><p>The more you worry and let anxiety rule your life, the more you wire your brain to continue worrying and being anxious – and the more you mentally link anxiety to specific places or events. In Psychology Today, Dr Eric R. Maisel, suggests using a visualisation technique to lessen anxiety: create a mental picture of relaxing. It could be at a beach sunset, watching trees gently sway in a breeze, leaves falling silently in your backyard. It could be the rhythmic swaying of a hammock under a blue sky with the chirping of birds in the background. When you visualise relaxing, try to engage your other senses as well. What does the place smell and feel like? What do you hear? Do it every day for long enough that it becomes as natural as staring at your smartphone.</p><p><strong>Plug your nose</strong></p><p>Try alternate nostril breathing, or yogic breathing. This is a simple, natural breathing technique from Ayurvedic medicine that brings the body and mind into a state of balance and neutrality. It’s been used by elite athletes for decades for managing stress and anxiety. Close one nostril by placing your thumb gently over it. Exhale; then inhale through the uncovered nostril. After each inhale/exhale (a breath cycle), switch sides. Then, leading with your out-breath, do one out-breath followed by one in-breath through each nostril. Repeat this series, alternating nostrils after each inhalation. It will likely be easier to breathe through one nostril than the other – that’s normal.</p><p><strong>Pump-up your jam</strong></p><p>According to Dr Lisa Legault using self-affirmations actually produces measurable results. Pick a mantra, slogan, or verse to psych yourself up for an event, a performance, or just to walk into a party without sweating. Psalm 55:22 is an example of calming scripture: “Cast your cares on the Lord and he will sustain you; he will never let the righteous be shaken.” Or take your inspiration from AC/DC’s lyric: “For those about to rock, we salute you.” Find your own song or chant that calms or inspires confidence as you head to a gathering or performance. Remember, anticipation of a worrisome social situation is usually worse than the actual event.</p><p><strong>Silence 'Boo'</strong></p><p>Boo is the cruel cynic in your head constantly booing you – filling you with worry and doubt. Like the caricature of a critical mother-in-law, but invisible. Counter Boo’s negative rants with truths such as, “you are more than capable of nailing the upcoming marathon/wedding toast/hostage negotiation,” “there are at least as many reasons things will go right for you,” and “you are competent, skilled, and deserve to be happy! Psychologist Dr Ben Martin presents four main types of challenging questions to ask yourself every time you have a negative thought: (1) what evidence do you have for this thinking? (2) Are there any other ways you could look at this situation? (3) Is this situation as bad as you’re making it out to be? And, (4) What can you do to help yourself solve the problem or to feel better?</p><p><strong>Stop giving a #%@! what others think</strong></p><p>Social anxiety is tied to feelings of being judged. But the truth is that the judgements and opinions of others have no reflection on your worth or talents. Social anxiety treatment includes learning to be flawed, while at the same time rejecting the need for approval from external sources. Being a perfectionist is fine in rocket science, but not in real life. According to an American Psychological Association study, we consistently overestimate how much, and how badly, others think of us, causing us to be more inhibited and less impulsive and happy than we could be.</p><p><strong>Press a lever for a snack</strong></p><p>Rather than berating yourself after each social interaction, reward yourself instead. Not with rounds of tequila or tattoos. But commend yourself for attending the event, for being present, and for facing down your anxiety. Each time you counter your anxiety, you whittle away at its power over you, while gaining confidence to step in the ring again. You are taking your life back one endeavour at a time. A tenet of CBT (Cognitive Behavioural Therapy) is the importance of rewarding yourself for exposing yourself to your fears. You deserve the praise, and you will be more motivated to do it again if there are some self-high-fives or frozen yoghurts on the back end.</p><p><strong>Phone a Freud</strong></p><p>If anxiety disrupts your life or daily activities, make an appointment with your doctor or a mental health provider because you may need treatment to get better. Like a receding hairline, social anxiety happens gradually and initially without much notice. Cognitive Behavioural Therapy (CBT) is an effective treatment for social anxiety. Self-medicating is not. Anxiety hates to dance. So get out there and dance.</p><p><em>Written by Jon Patrick Hatcher. This article first appeared in <a href="https://www.readersdigest.co.nz/healthsmart/conditions/mental-health/10-small-but-effective-ways-to-slay-social-anxiety" target="_blank" rel="noopener">Reader’s Digest</a>. For more of what you love from the world’s best-loved magazine, <a href="http://readersdigest.innovations.co.nz/c/readersdigestemailsubscribe?utm_source=over60&amp;utm_medium=articles&amp;utm_campaign=RDSUB&amp;keycode=WRA87V" target="_blank" rel="noopener">here’s our best subscription offer.</a></em></p><p><em>Image: Getty Images</em></p>

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