Advertisement
Home Page 5138

What are my rights as a new mum?

Getty

Having a baby? Then find out about your maternity leave entitlements.

Government-paid maternity leave around the world varies from 68 weeks in Sweden to 39 weeks in the UK and 12 weeks in China to no weeks in the US and Australia.

Last year, there was a lot of talk about the federal government introducing an 18-week paid maternity leave scheme. But there’s no funding for the scheme in next year’s budget, so where does that leave our mums-to-be?

If you have been working full-time or part-time for 12 months with your employer, you are entitled to take up to 52 weeks of unpaid maternity leave. If you’re a casual, you need to have worked on a regular basis for 12 months and intend going back to your job. Maternity leave is guaranteed under the law.

When your child is born, your partner is entitled to take “short paternity leave” for up to a week. If your partner plans on being the primary carer and you are returning to work, then “extended paternity leave” is allowed for up to 51 weeks. But both of you can’t be on leave at the same time. If, for example, you have six weeks off after the birth, your partner will only be entitled to 46 weeks when you return to work.

Unless your company has a policy or it’s stipulated in your employment contract, maternity leave is unpaid. However, a lot more companies are starting to offer paid maternity leave.

Check with your employer, but generally you need to give a letter of intent to take leave, supplying your start and finish dates and any dates requested by your partner for paternity leave.

Notice periods vary from four to 10 weeks. If you intend to work up until the birth, you may need to provide a medical certificate indicating you’re fit to work. If your baby comes early, notify your employer in writing within two weeks of the birth.

Make sure you give your employer a letter of intent with a return date before you start your leave. If the date changes, notify your work in writing. When you go back to work, it should be to the same job, but if this isn’t possible, it must be a similar job.

For more information, visit www.workplace.gov.au. Support paid maternity leave at www.nfaw.org/paid-maternity-leave. .

Related stories


Advertisement
Home Page 5138

Demi Moore closer to closing book deal

Getty

Demi Moore and Ashton Kutcher

Queen of the cougars, Demi Moore, is one step closer to telling all about her life, career and relationships in her autobiography.

The 47-year-old has signed a US$2 million ($2.3 million) deal to write a tell-all book for publisher HarperCollins, CrainsNewYorkBusiness.com reported last month .

Related video:

The book will reportedly detail Moore’s complicated relationship with her mother, Virginia King, marriage to Bruce Willis and relationship with current husband Ashton Kutcher.

Your say: Would you read Demi Moore’s autobiography?

Related stories


Advertisement
Home Page 5138

Two-thirds of women ‘completely bored with their lives’

Getty Images

If you struggle to get out of bed in the morning and just can’t get inspired about anything, then you’re not alone. Two-thirds of women are “completely bored” with their lives, a new UK survey has found.

A lack of variety in daily routine, limited social life and work pressures were given as the main reasons for boredom among the 3000 British women who took part in the poll commissioned by prepared produce manufacturer Florette, the UK’s Daily Mail reported.

Related: What’s the key to happiness?

True Confessions Agony Aunt: My life is a disappointment

Seven out of 10 are fed up with being broke, while many yearn for more vacations and fewer chores. No surprises there then.

Many said they would like a makeover but couldn’t afford it or didn’t know what they would change.

A huge nine out of 10 said they wished they were more spontaneous, while six in 10 said they dreamed of going to the airport and getting the next available flight, regardless of where it was going.

Interestingly, nearly a third of those polled said they would like to emigrate — which says quite a lot about the state of the UK’s economy at the moment.

“Women today are so busy trying to have it all — the job, the family, the social life — that somehow we’ve ended up with nothing,” Florette marketing manager Elaine Smith said.

“It is no surprise two thirds of British women are bored with their lives and half are sick of doing the same thing day in and day out,” she said.

“Women have lost the get-up-and-go to shake up their lives and try something different.”

**The top 10 things women wish they could do

**

  1. Go to the airport and catch the next flight to anywhere

  2. Move to another country

  3. Speak their mind to people

  4. Quit their job without having another one

  5. Have a drastic haircut

  6. Sell their house and move

  7. Be more adventurous in the bedroom

  8. Go back to school

  9. Have breast surgery

  10. Sing in public

“Generally people are bored and unhappy with their lives when their values are not being fulfilled. They may not be conscious of their values especially their core values.” Chris Collingwood of Sydney-based Inspiritive life coaches told The Weekly.

“The fact that a significant proportion of women surveyed in the UK fantasise about ‘taking a plane to anywhere’ indicates that they do not perceive the Britain they live in as carrying the potential opportunities to fulfill their values,” he said.

“In some respects women have different opportunities in Australia. However, women still need to become aware of their values and examine the contexts of their lives to find opportunities that can potentially fulfill their values.”

Chris’s tips

Know what you value in life. Think of favourite activities that you engage in and to find your values. Simply ask yourself: What’s important in doing this? Followed by: What else is important in doing this? Repeat the question and make a list of the qualities and values that come to mind.

It helps to wrap a memory around yourself of doing the activity before asking the question. Information on values is carried in the context and “state of mind” that you experience when engaged in the activity.

With a list of your values, treat them as intentions and consider how many ways and through what activities can you have those values met?

Your say: Are you bored with life? What are the things in your life that get you down the most? Share your thoughts below.

Related video June 9, 2010: The Australian Woman’s Weekly editorial director Deb Thomas joins TODAY to look back at the most influential women of the past decade.

Related stories


Advertisement
Home Page 5138

The scent of lemon

Getty Images

Getty Images

Lemon is one of the most magic scents in the garden. Much as I love roses — especially a cloud of rose perfume on a hot day — lemon scents are often stronger, as they come from the leaves, not the flowers. There are more leaves than blooms, so much more scent.

This doesn’t mean you can’t have flowers as well as lemon scents. My favourite winter bloomer — okay, one of my 50 favourites — is the evergreen pineapple- or lemon-scented marigold. It grows to a large bush, about 1.5m to 2m high, and the foliage is glorious every time you brush against it.

Pineapple marigold (though it’s more lemon than pineapple) responds well to hard pruning, and makes a good hedge if you are prepared to trim it every few weeks in summer. Otherwise just cut it back by about 60cm after the flowers die back.

Lemon grass is possibly the most lemony plant in the universe. It’s a perennial — in other words, it just keeps growing. Heavy frost kills it, so in cold areas grow it in a pot and keep it on a sunny patio or even take it indoors in winter.

I cut mine back regularly and tie the big bunch of leaves up in the hall where I’ll brush against them too, and cut off whatever I need to make lemon grass tea (far more fragrant when homegrown than any you can buy).

In frost-free areas, or where there is only light frost, lemon grass grows best in rich, well-drained, moist soil. It tolerates semi-shade in hot areas but prefers full sun. The small plant you buy at the nursery will eventually become enormous. One big clump will give many plants — just divide it and plant it out.

Lemon balm (Melissa officinalis) is a hard-to-kill lemon-scented small shrub, about 30cm high, for almost any area iun Australia. It’s great for hard-to-fill corners of the garden, but beware — it spreads. Don’t grow it near the bush! It’s also a bit disappointing in the taste department — despite the lemony scent it’s got a bit of a mothball flavour when you use it in cooking.

Lemon balm grows best in moist rich soil and partial shade from sunlight, especially in hot summers, but will tolerate drought, sun and exposure. It dies back after severe frost and looks really messy, all brown and spotty, after mild frosts but recovers with warm weather.

Lemon balm leaves can be picked as soon as they are large enough — small ones have less of an aftertaste than older ones. Young lemon balm leaves are good in salad sandwiches and a few can be added to give a faint lemon tang to salads. Old leaves are too tough.

Lemon verbena is a graceful, narrow leafed shrub. It loses its leaves in winter in cooler areas, but can keep them nearly all winter in subtropical regions. It grows up to 2m high and even wider but can be kept well trimmed.

It prefers full sun, though it tolerates semi-shade in hot areas. In very cold areas it needs to be protected from heavy frost for the first year but after that is sturdier and will survive anything from a blanket of snow to a four-year drought.

Lemon verbena tea is probably my favourite herbal tea. I use it as a base for all sorts of other teas, adding a few peppermint leaves or other flavourings, depending what I feel like. It’s one of the few herbal teas that men seem to like.

Lemon verbena leaves can be picked at any time but are most fragrant in the early morning and just before flowering. They can be dried and kept through winter in a sealed jar. Dry them as quickly as possible in a well-ventilated, dark place so they don’t lose their fragrance and seal them in a jar as soon as they are dry.

Lemon verbena tea can be drunk hot or cold. The leaves can also be added to equal parts of ordinary tea leaves for a lemon-scented tea and drunk either black or with milk and sugar, or frozen in iceblocks to add to cool drinks on hot days.

Lemon geranium is really a pelargonium, drought tolerant and hardy. Like all pelargoniums it grows easily from a cutting. I’ve tried cooking with it, but it too develops an aftertaste. It’s best grown where you will brush against it in the garden, releasing a gentle lemon whiff, though you can always do what the Victorians did — place sprigs in finger bowls to wash your hands after eating fish.

Lemon-scented gum tree is the giant of the lemon world, though as gum trees go it’s a nice small neat one, suitable for a backyard tree. It smells beautiful when you crush the leaves, and on hot days there is a haze of lemon about it — and the scent before and immediately after rain is magic.

Lemon and lime trees have their own scent too, from the ripening fruit and also to a lesser extent from the leaves, though none is as strongly perfumed as the plants above. Young lemon leaves are wonderfully fragrant, and tender enough to add to salads and sandwiches for a lemon tang, and of course kaffir lime leaves add their own individual fragrance to a whole range of dishes.

Kaffir limes are supposed to be tropical plants, but ours survives winters with -7°C frosts, although I grow it on a sunny bank, protected with other shrubs about it.

My favourite lemon is Eureka, drought hardy and cold hardy with big knobbly fruit, most in winter but some all year round. You never have to buy lemons when you have a Eureka lemon in the backyard.

You don’t even need a garden to have lemon scents. Try a kaffir lime in a pot, potted lemon grass or potted lemon “geranium”. Place them somewhere you will brush against them as you go indoors or walk up the stairs, and this winter will be filled with the balmy scent of lemon.

Your say: Have you grown lemons? What is your favourite kind of lemon? Share with us at [email protected]

Related stories


Advertisement
Home Page 5138

Considering a balance transfer

It's all fun and games until the bills start rolling in. Is it time for you to switch to a low-rate balance transfer credit card?
distressed woman with credit cards

If you’re like most women, you probably have a credit card or two and seek pleasure in using it for purchases that you can’t really afford right now.

It’s because of our love affair with the power of credit, the feeling of freedom and the independence we have over our finances to be able to choose whether we want that cute black cashmere in purple as well.

And then when all the fun is over and the bill arrives in the mail, the money-savvy spenders jump online and look to switching their high interest credit card for low balance transfers.

Balance transfer credit cards can be very useful for getting rid of your debt quickly if you don’t use the card for spending. With rates as low as 0 percent for six months by HSBC, for example, no wonder many women are rushing out to move their debts and make the most of these low rates.

Credit cards are one of the easiest financial products to open, close and switch around — especially with so many providers on the market competing for your business. All you need to do is compare deals and click the apply button online at comparison sites such as RateCity and before you know it you will have a new credit card in your letterbox.

The danger to watch out for

These money-savvy spenders are not so savvy if they don’t break their spending habits, though. This is because if you build up a debt, switch to a balance transfer card, pay it off while building up your next debt and continue switching for the lowest rates in town, you can damage your credit rating and make it hard for you to apply for loans or other credit cards in the future.

The trick is to not let your independent woman persona get the better of your spending sprees and instead take control of your debts. The easiest way to avoid the urge to use your credit card is by avoiding the shopping centres. Try doing the weekly food shop at a local supermarket instead of in the centre and make a list to avoid buying things you don’t need.

If you take control of your credit cards by using balance transfer deals sensibly you will not only protect your money in the bank but you will also ensure no problems with getting a home loan in the future.

Michelle Hutchison is Consumer Advocate at RateCity.

The above information is general only and does not take into account your objectives, financial situation or needs.

Your say: Do you have an out-of-control credit card debt? Would you consider switching to a low-rate balance transfer credit card? Email us on [email protected]

Related stories


Advertisement
Home Page 5138

I’m Over All That

I'm All Over That

Win our Book of the Month

Be one of the first 25 people to sign up to the Simon & Schuster monthly update and correctly answer the competition question for your chance to win a free book!

About the book

At a certain time in life, we all come to realise what is truly important to us and what just doesn’t matter. For Shirley MacLaine, that time is now. In this wise, witty and fearless collection of small observations and big-pictured questions she spells out exactly what she’s “over” in life and some of the things she isn’t.

An Oscar, three-time Emmy, and ten time Golden Globe-winning actress, Shirley has appeared in more than fifty films including Valentine’s Day, Rumor Has It, In Her Shoes, Steel Magnolias, Guarding Tess, and Postcards from the Edge, and received the Oscar for Best Actress in 1984 Terms of Endearment).

In her overture to I’M OVER ALL THAT Shirley writes that all of life, even the cruelest drama and most absurd comedy, is a form of show business, a kind of performance, and she’s been lucky enough to have created the moving picture show of her own life.

“In this third act of my life,” Shirley says, “a lot has become clearer to me. So much is over…and I am over so much.”

She’s learned to ease up on worry, scheming for films or roles, planning for better surroundings, and feeling anger at leaders who operate politically rather than humanely. Yes, she says, she’s over all that. She’s also over listening to advertisements, the latest fashions (not that she was ever much into that), events she should attend in order to be seen, and red carpet madness.

After seventy-six ‘adventure-peppered’ years of life and decades as Hollywood royalty, nobody is more qualified than Shirley MacLaine to call it as she sees it.

Some of her passionate and no-holds-barred topics include:

  • I’m Over Being Concerned About What I Shouldn’t Do

  • I Will Never Get Over Africa

  • I’m Not Over Good Lighting

  • I’m Over Fear Being Taught In the Name of Religion

  • I Am Over Being Polite to Boring People

  • Aging in Hollywood?!? Get Over it!

  • I’m Trying to Get Over Anger

  • Sex Got Over Me

  • I Can’t Remember If I’m Over Memory Loss

I’m Over All That is out now.

To read the first chapter of of I’m Over All That click here.

To purchase I’m Over All That click here.

To join the AWW and Simon & Schuster book club and chat about our books online click here.

To read about previously featured Simon & Schuster book titles visit The Registrars Manual for Detecting Forced Marriages and Left Neglected.

Related stories


Advertisement
Home Page 5138

Can mobile phone use cause cancer?

Getty

Next time you’re chatting on your mobile phone, it may be worth stopping to think about the health risks.

Although the link between mobile phone use and cancer remains unclear, new research suggests that a risk is there, however the severity continues to be debated.

A 10-year study on the health effects of mobile phone use found a 24 percent increased risk of the most common type of brain tumor, glioma, on the side of the head a handset was help for regular phone users.

The study, which was done by Interphone, was carried out across 13 countries including Australia and focused on people aged 30 to 59.

Researchers found that using a mobile phone for more than half an hour a day could increase users’ risk of developing brain cancer by as much as 40 percent.

But American lobby group Environmental Health Trust told the UK’s Daily Telegraph that the real risk could be 25 percent greater than the Interphone study suggests.

Electronic engineer Lloyd Morgan from the group said a “brain tumor pandemic” will be faced in the future due to the 4 billion phone users’ worldwide that are using their mobile phone for extended periods of time.

“What we have discovered indicates there is going to be one hell of a brain tumor pandemic unless people are warned and encouraged to change current cell phone use behaviors,” Morgan said.

“People should hear the message clearly that cell phones should be kept away from one’s head and body at all times.”

Interphone researchers have admitted that their findings were not conclusive and could have been affected by statistical error or bias.

A spokesman from the Australian Radiation Protection and Nuclear Safety Agency says there have been very few studies done on the link between mobile phone radiation and cancer and usually direct information was not available.

“The results of these studies are difficult to interpret because exposure levels were either not measured or impossible to determine from the data provided,” the spokesman said.

“In general, however, this type of study will be useful in identifying possible links between mobile telephone use and cancer risk,” he said.

“The Australian Radiation Protection and Nuclear Safety Agency continues to closely monitor the research being conducted in this area.”

The spokesman also said it was important to note that such cancers existed before the introduction of mobile telephones.

“It is simply not possible to identify the cause of any single case of cancer,” he said,

“Long-term studies to investigate whether mobile telephone users have a greater incidence of, say, brain cancer than the general population has not been completed.”

Related stories


Advertisement
Home Page 5138

Help, I’ve lost some of my super!

Getty

Geoff Devitt’s superannuation accounts were a mess, so Adrian helped him trace his lost money.

Did you know there is more than $12 billion worth of lost superannuation in Australia? That figure is staggering, considering our population is more than 22 million and compulsory super only started little more than a decade ago.

Geoff Devitt has put a lot of his hard-earned wages into various super funds, but has never kept track of them as he’s changed jobs. He has also moved address a few times and been slack in notifying all of his super funds. As a result, he’s lost track of his money.

I went through Geoff’s paperwork and it was erratic! He had records for eight funds, with the highest balance $20,000. I recommended he roll over the funds into one, to make it simple to manage.

We were able to make contact with all of the funds, to roll them over into the fund with the right return and fees for Geoff. Some institutions had transferred the money to other funds, but we tracked them down too.

Funds generally require an identity check so the transfers won’t happen in a hurry. Some also have exit penalties, in which case it may make more financial sense to stay with them.

I then asked Geoff to go through his tax returns and résumé, to write down all of his past employers. There were quite a few from the early 1990s, when he did part-time work while studying.

We found six jobs unaccounted for, so we called the payroll section of each employer, asked what super fund they put employees’ super into, then contacted each. The result was we found four more of Geoff’s lost accounts worth $12,831 in total.

Finally, we went to the Australian Taxation Office website and used the SuperSeeker tool. The result? We found an extra $1462!

  1. Update your address. Notify all of your super funds when you change address, or risk losing touch with your funds.

  2. Consolidate. Don’t have a dozen super funds. They’re too hard to manage and may cost you a fortune in fees.

  3. DIY. You should have a minimum of $100,000 before you start your own self-managed super fund. If you don’t, the fees will eat up any benefits of doing it yourself.

  4. Talk to a financial advisor. You wouldn’t let an amateur build your house. Why do the same with your superannuation?

  5. Allocate time to your superannuation. Take the time to look after one of your biggest assets.

  6. Keep track. Check your annual super fund statements for employer contributions, fees and insurance cover, and analyse the fund’s investment performance overall.

Related stories


Advertisement
Home Page 5138

Women are twice as vulnerable to stress

Getty Images

Getty Images

Women are more susceptible to stress than men because of a greater sensitivity to a substance produced when they are anxious, a new study has found.

Scientists have long known women are more vulnerable than men to stress and related conditions such as depression and post-traumatic stress disorder, but this research from the US is the first time that they have begun, in biological terms, to understand why, the UK’s Daily Telegraph reported.

Related link: stress less at work

In pictures: how to lose kilos without noticing

The research team, led by Dr Rita Valentino at the Children’s Hospital of Philadelphia, found that females are more sensitive to a hormone released during times of anxiety, which they believe is related to stress management.

In studies on rats, they noticed that females are more sensitive to low levels of the “corticotropin-releasing factor” (CRT) hormone and are also less equipped to cope with higher levels of it.

While the study has only looked at rats so far, CRT is known to play a role in all mammals, including humans.

“Although more research is certainly necessary to determine whether this translates to humans, this may help to explain why women are twice as vulnerable as men to stress-related disorders,” Dr Rita Valentino said in a media release.

In the study, rats were made to undergo a forced swim during which the females showed signs of being more sensitive to CRF.

The scientists also found that stressed male rats adapted by making themselves less responsive to the hormone.

The research is important as it highlights gender differences that were not previously picked up as all earlier studies in this field only looked at male rats.

Related video Stress less! But how? We all get stressed from time to time but what’s the best way to manage it?

“Pharmacology researchers investigating CRF antagonists [blocking agents] as drug treatments for depression may need to take into account gender differences at the molecular level,” Dr Valentino said.

The research was published online in the journal Molecular Psychiatry.

According to Medibank, workplace stress costs the Australian economy $14.81 billion a year.

Your say: Do you think that women are worse at coping with stress than men? Share your thoughts below.

Related stories


Advertisement
Home Page 5138

Looking after mum and dad’s finances

Getty

As your parents get older, there may be an added responsibility of looking after their finances as well as their health. Here are a few ideas on how to handle a touchy subject.

Invariably there comes a time when “senior moments” become more regular and your parents will need your help. However, don’t take control of their finances until you really have to. The key is to let your parents know that you are not being pushy but you just want to ensure that they are financially OK.

A will is something everyone should have, regardless of age. The best way to avoid an edgy discussion is to say you don’t want to know what’s in thewill.

You just need to know they have one that has been recently updated and where it is located. If there isn’t one, then suggest that they see a lawyer and get it prepared.

When your parents reach retirement age, it is a good idea to have a regular update of their financial situation. You may want to coincide it with a key date such as a birthday or Christmas.

All you need to know are the basics such as where they keep their financial documents, a list of their assets (including account numbers), and the names and contact details of their key advisers.

Having a power attorney is a bit like an insurance policy. You don’t need to worry about until you really need it and by then it is usually too late. For peace of mind, suggest to your parents that they should nominate someone close that they trust to take control of their finances should they become incapacitated.

The taxman invariably becomes one of the main beneficiaries when someone dies, purely because of poor tax planning. By seeking quality tax advice now, you can avoid quite a few hassles in the future.

Advice is general in nature. Always seek further financial advice before making financial decisions.

Related stories


Advertisement