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Advertising a house is ridiculously expensive in Australia – could that be affecting the property market?

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/james-graham-1264059">James Graham</a>, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a></em></p> <p>Australia has long been one of the <a href="https://www.forbes.com.au/news/investing/sydney-melbourne-adelaide-are-top-10-least-affordable-cities-for-housing/#:%7E:text=Demographia's%20annual%20report%20assesses%20housing,second%20place%2C%20and%20Vancouver%20third.">most expensive</a> places in the world to buy a house. Now, it’s apparently also one of the costliest places to sell one.</p> <p>Recent <a href="https://www.theguardian.com/australia-news/2024/sep/16/the-symbiotic-relationship-that-makes-selling-a-house-in-australia-so-damn-expensive">reporting</a> in the Guardian has raised concerns about the market dominance of Australia’s two main real estate advertising websites, realestate.com.au and Domain.</p> <p>Facing little competition, the largest – realestate.com.au – appears to have <a href="https://www.theguardian.com/australia-news/2024/sep/16/the-symbiotic-relationship-that-makes-selling-a-house-in-australia-so-damn-expensive">significantly increased its fees</a> in recent years, while thwarting disruptive innovations from smaller competitors.</p> <p>Why does that matter? Because when it comes to selling a house, Australia <a href="https://www.theguardian.com/australia-news/2024/sep/16/real-estate-website-fees-australia">stands out</a> globally. In most other countries, any advertising costs are tiny or bundled in with agent fees.</p> <p>Here, along with only <a href="https://www.theguardian.com/australia-news/2024/sep/16/the-symbiotic-relationship-that-makes-selling-a-house-in-australia-so-damn-expensive">Sweden and New Zealand</a>, home sellers pay their own advertising costs in addition to real estate agent fees and commissions.</p> <p>This advertising can be expensive – up to several thousand dollars for a single property listing. But it also seems necessary, with a lack of alternative platforms offering comparable reach.</p> <p>Setting aside the problems of monopolistic pricing behaviour, what are the economics of high and rising real estate advertising fees? Do home sellers get value for the money they spend on advertising? And what might be the impacts of these fees on the Australian housing market?</p> <h2>Is advertising on big platforms worth it?</h2> <p>First, it’s worth asking whether real estate advertising is actually effective and whether bigger platforms are better.</p> <p>To explore these questions, a group of US-based economists <a href="https://www.aeaweb.org/articles?id=10.1257/aer.99.5.1878">studied</a> the outcomes of advertising on a large platform favoured by real estate agents in the United States called the “multiple listing service”, compared with a smaller for-sale-by-owner platform.</p> <p>The study found no differences in eventual home sales prices between the two platforms. But properties on the multiple listing service were more likely to sell and spent less time on the market.</p> <p>However, the size of the advertising platform didn’t explain these benefits. Rather, the different platforms appealed to buyers and sellers with varying patience levels. This variation in willingness to “wait-and-see” affected the time it took to sell.</p> <p>Translated to the Australian context, that raises questions about the value for money of advertising on a larger platform – which here, unlike the US, attracts significant fees.</p> <h2>Housing markets are ‘search markets’</h2> <p>Next, we need to consider how high costs of advertising property might affect the housing market more broadly.</p> <p>Housing markets fall into a category called “search markets” within economics. Sellers seek buyers, and buyers seek sellers offering up properties that meet their required criteria.</p> <p>The economics of search markets have been extensively studied by the likes of <a href="https://www.nobelprize.org/prizes/economic-sciences/2010/summary/">Nobel laureates</a> Peter Diamond, Dale Mortensen and Christopher Pissarides. Their insights highlight the key factors that determine search market outcomes.</p> <p>Sellers consider the costs of listing an item for sale (such as advertising) and the time it takes to find a buyer. Buyers, on the other hand, consider their alternatives to buying (such as renting) and the time it might take to find a suitable seller.</p> <p>The likelihood of a sale – and how long everything will take – depends on the number of potential buyers relative to sellers. The sales price is then negotiated after meetings between the two.</p> <p>This gives us a framework to speculate about how Australia’s high – and increasing – costs of advertising real estate could be affecting the broader housing market on both sides of this equation.</p> <h2>Costs can affect both supply and demand</h2> <p>On the supply side, high fees reduce the net financial benefit of selling a home, which could discourage homeowners from listing their properties. All else being equal, this could lead to fewer properties on the market, shorter selling times, and higher prices for the properties that are listed.</p> <p>But we can predict some effects on the demand side, too.</p> <p>High fees also reduce the net benefit of buying a home, as current buyers expect to be sellers in the future. These costs are likely to be even more pronounced for property investors, who buy and sell property more frequently than homeowners.</p> <p>Anticipation that selling costs will be high in the future could suppress the demand for housing, reducing prices and increasing the time it takes to sell a property.</p> <p>Interestingly, <a href="https://www.nber.org/papers/w32855">recent research</a> from the US suggests that these demand-side effects might outweigh the supply-side effects.</p> <p>Economists studied the impact of a series of court decisions that forced the National Association of Realtors to reduce real estate agent fees. They found lower fees increase the lifetime benefits of homeownership, which leads to a significant increase in house prices.</p> <p>Significantly, that suggests lowering the costs of selling property – including advertising – could increase property values.</p> <h2>Just one part of the housing story</h2> <p>High prices in any area of economic life are likely to rankle our sense of a fair deal. High fees for advertising real estate have an obvious immediate impact on a home seller’s wallet.</p> <p>But the nuanced flow-on effects to the broader housing market are harder to tease out. They are also likely to vary across different property markets within Australia. Commentators and policy makers should think carefully before leaping into action in this area.</p> <p>In the meantime, advertising fees are one more thing to keep an eye on as Australian housing costs continue to rise.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/239111/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/james-graham-1264059">James Graham</a>, Senior Lecturer in Economics, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/advertising-a-house-is-ridiculously-expensive-in-australia-could-that-be-affecting-the-property-market-239111">original article</a>.</em></p> </div>

Money & Banking

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Readers response: What is the most expensive place you've visited?

<p>When it comes to travelling, there are some destinations around the world that are definitely more expensive than others. </p> <p>We asked our readers which place left them the most out of pocket, and the response was overwhelming. Here's what they said. </p> <p><strong>Angela Budden</strong> - Switzerland for sure. </p> <p><strong>Vera Hunt </strong>- Italy, but it's a beautiful place so worth every cent.</p> <p><strong>Pat Isaacs</strong> - Probably London, back in 2011. Such a contrast to Bali, in 2013. Had two weeks there, total cost was under $1600, including air fare, accommodation, food etc. Just the air fare to London was more than the total cost of my time in Bali.</p> <p><strong>Eileen Dunford</strong> - The Amalfi Coast.</p> <p><strong>Roz Harris</strong> - Ashford Castle in Ireland, but I would give anything to go back again and stay for longer.</p> <p><strong>Valerie Southam</strong> - Iceland and Finland.</p> <p><strong>Peter Connolly</strong> - I think Qatar, although the Netherlands wasn't that far behind.</p> <p><strong>Marirose Piciucco</strong> - Tahiti and Copenhagen.</p> <p><strong>Maree Newhouse</strong> - Iceland, I just came back from there. $48 for a bowl of lamb soup and $52 for a hamburger!</p> <p><strong>Gail Ladds</strong> - Positano in Italy. Cost me $25 for a milkshake about $7 years ago. It was the cost of the view I think.</p> <p><strong>Kevin Chapman</strong> - Hawaii, but worth every penny.</p> <p><strong>Peter Brady</strong> - Everywhere in the US given the lousy exchange rate, the plethora of additional government taxes, and the mandatory 20% tip.</p> <p><strong>Chaz Maree</strong> - Scandinavian countries are very expensive to visit but so beautiful, so who cares.</p> <p><strong>Catherine Cotterell</strong> - Venice, where the traders sting you as fiercely as the mosquitos.</p> <p><em>Image credits: Shutterstock </em></p> <p> </p>

Travel Trouble

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Australia's best regional town revealed

<p>As the weather starts to warm up and people begin planning their summer getaways, more and more Australians are opting for a quaint country getaway instead of a jam-packed city break. </p> <p>According to Tourism Research Australia (TRA), regional tourism numbers have increased overall in the 12 months leading up to March 2024, with many choosing to explore quieter corners of Australia. </p> <p>As a result of this new travel trend, <a href="https://travel.nine.com.au/destinations/aussie-travel-trends-index-best-regional-town-in-australia-voted-by-travellers-9travel-today-survey/0d308119-ede0-495f-9e71-c3b26b267ccf" target="_blank" rel="noopener">9Travel</a> released their results of the <a href="https://travel.nine.com.au/travel-survey" target="_blank" rel="noopener">Aussie Travel Trends Index</a> survey to find out which regional towns are the favourites of Australian travellers, with the top ten towns being crowned.</p> <p>While NSW received the highest number of visitors to regional areas, according to the TRA data, it was in fact Daylesford in Victoria that was voted as Australia's favourite regional town.</p> <p>Located in the foothills of the Great Dividing Range of Victoria, Daylesford is known for its natural mineral springs, Botanical Gardens and quaint city centre. </p> <p>Daylesford and Cairns are the most popular regional towns to visit for around 1 in 4 respondents; followed closely by the Gold Coast, Launceston, Barossa, Bendigo, and Ballarat.</p> <p>Nearly a quarter of respondents, (23 percent) named Cairns as their favourite regional town, Tasmania also received 20 percent of respondents sharing their love for the town of Launceston.</p> <p>Check out the top 10 list of best Australian regional towns below.</p> <p>1. Daylesford, VIC</p> <p>2. Cairns, QLD</p> <p>3.  Gold Coast, QLD </p> <p>4. Launceston, TAS</p> <p>5. Barossa, SA</p> <p>6. Bendigo, VIC</p> <p>7. Ballarat, VIC</p> <p>8. Orange, NSW</p> <p>9. Berry, NSW</p> <p>10. Mudgee, NSW</p> <p><em> Image credits: Shutterstock </em></p>

Domestic Travel

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Jon Bon Jovi praised for talking woman off bridge

<p><strong><em>Content warning: This article contains mentions of suicide.</em></strong></p> <p>Jon Bon Jovi has helped to persuade a woman standing on the ledge of a bridge in Nashville to come back over the railing, likely saving her life. </p> <p>The Metro Nashville Police Department revealed that the encounter happened on Tuesday night on the Seigenthaler Pedestrian Bridge. </p> <p>The rock star was filming a music video for his song <em>The People's House </em>on the bridge, when he spotted the woman on the ledge, according to the <em>New York Post</em>. </p> <p>Surveillance footage shared by the city's police department on X showed the singer approaching the woman, alongside another bystander and not long after they helped pull her over the railing and away from danger. </p> <p>After the woman was safe, she and Bon Jovi hugged. </p> <p>"A shout out to @jonbonjovi &amp; his team for helping a woman on the Seigenthaler Ped Bridge Tue night," the Metro Nashville Police Department shared on X.</p> <blockquote class="twitter-tweet"> <p dir="ltr" lang="en">A shout out to <a href="https://twitter.com/jonbonjovi?ref_src=twsrc%5Etfw">@jonbonjovi</a> &amp; his team for helping a woman on the Seigenthaler Ped Bridge Tue night. Bon Jovi helped persuade her to come off the ledge over the Cumberland River to safety. "It takes all of us to help keep each other safe,"--Chief John Drake <a href="https://t.co/1YejKJ2WgM">https://t.co/1YejKJ2WgM</a></p> <p>— Metro Nashville PD (@MNPDNashville) <a href="https://twitter.com/MNPDNashville/status/1833970989354348832?ref_src=twsrc%5Etfw">September 11, 2024</a></p></blockquote> <p>"Bon Jovi helped persuade her to come off the ledge over the Cumberland River to safety. 'It takes all of us to help keep each other safe,'--Chief John Drake."</p> <p>The bridge was completely open to the public at the time Bon Jovi was filming his music video. </p> <p>While the singer told The Post that he won't be making any public comments out of respect for the person and their privacy, another source told them that Bon Jovi did what any person who found themselves in that situation would've done. </p> <p><em>Images: Metropolitan Nashville Police Department</em></p> <p> </p>

Caring

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Readers response: What’s your most memorable birthday party?

<p>One of the best parts of birthdays is celebrating with your loved ones, whether it's a milestone birthday or not. </p> <p>We asked our readers to share the stories from their most memorable birthday parties, and the response was overwhelming. Here's what they said. </p> <p><strong>Jill Harker </strong>- My 80th birthday last November! My family organised it! Had no idea who was coming! I'm a big Elvis fan and when I got to the hotel for lunch everybody was holding up an Elvis face in front of their face so I still had no idea who was there! When they took the faces down there were all my family from Queensland including grandchildren and great grandchildren! Plus my 2 sons organised a birthday video message from Tex Walker my favourite footballer! Plus my granddaughter organised a ride in a Cadillac for me! So many wonderful surprises! It was fantastic!</p> <p><strong>Judi Baker </strong>- My 21st. My Mum and Dad were there. Plus my late Mum's 70th and 80th. Both so funny.</p> <p><strong>Annette Guernier Clay</strong> - In 2007 when two good friends and I celebrated our 60th birthdays with a party at the old Cairns Yacht Club. Live band, lots of dancing, loads of friends.</p> <p><strong>Lesley Peacock</strong> - My 21st, as it was the only one I had.</p> <p><strong>Christine Whyte </strong>- Never had children’s birthday party as mine was always with immediate family, but had a memorable 70th last year with my family and 3 grandkids in Townsville.</p> <p><strong>Barbara Jaramenko</strong> - Didn’t have one as there was no money, but just had a homemade birthday cake with siblings which was lovely. </p> <p><strong>Margie Buckingham</strong> - On my 40th, I was a single mum and I held a combined party- my 40th, end of 3rd term (teacher) &amp; taking leave service leave, the Parliamentary election &amp; going overseas! I took a cruise from Singapore for a week, beginning with a Singapore Gin Sling in the Long Bar at the Raffles Hotel. that was pretty memorable. </p> <div dir="auto"><em>Image credits: Shutterstock </em></div>

Family & Pets

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New details revealed on King Charles and Queen Camilla's Australia tour

<p>King Charles and Queen Camilla are visiting Australia next month for the first time in five years, and now their itinerary for the trip has finally been revealed. </p> <p>First on the line up the King has scheduled a meeting with Australians of the Year, Professor Georgina Long AO and Professor Richard Scolyer AO in Sydney to learn about their ground-breaking research into cancer. </p> <p>The five-day tour will kick off on October 18 to October 23 and will take place in Canberra and Sydney. </p> <p>During their time in the ACT, the royal couple have been invited to  Parliament House by Prime Minister Anthony Albanese, and there they will attend a reception for political and community leaders, as well as Australians who have excelled within health, arts and culture. </p> <p>They will then pay their respects at the Australian War Memorial, before visiting the Australian National Botanic Gardens to discuss the global impacts of climate change with staff and volunteers. </p> <p>While in the ACT the couple will also branch off for separate engagements with Charles heading to  the CSIRO headquarters to discuss the toll of bushfires with scientists, and Camilla participating in a discussion on family and domestic violence.</p> <p>In Sydney, while the King meets with the cancer research team, the Queen will visit a library and meet with children participating in  a Queen’s Commonwealth Essay Competition workshop.</p> <p>The royal couple will also conduct a Fleet Review of the Royal Australian Navy, and attend a community BBQ celebrating Australia’s cultural diversity.  </p> <p>After their Australian visit, the royals will then head to Samoa to attend the 2024 Commonwealth Heads of Government Meeting (CHOGM). </p> <p>This trip will mark their first visit Down Under since the Commonwealth Games on the Gold Coast in 2018, and the first time a reigning monarch has visited the country since Queen Elizabeth in 2011. </p> <p>The Palace first confirmed the Australia tour in July, but they did not add New Zealand to the itinerary on the advice of the King's doctor as he continues to recover. </p> <p>In a statement following the news, Prime Minister Albanese said he was looking forward to welcoming the King and Queen back.</p> <p>“I welcome Buckingham Palace’s statement announcing the visit,” Albanese said at the time. </p> <p>“The Royal Visit is an opportunity to showcase the best of Australia – our rich culture, our sense of community, and contributions to science, research and global progress.</p> <p>“His Majesty first visited Australia in 1966, and has a strong personal affection for our nation. We are delighted that His Majesty is recovering well and has made visiting Australia once again a priority.</p> <p>“Australians look forward to welcoming The King and Queen back to Australia in October, and highlighting the best of the Australian spirit.”</p> <p><em>Image: Instagram</em></p>

Domestic Travel

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Surcharges are added to most purchases, but what are the rules behind these extra fees?

<div class="theconversation-article-body"> <p><em><a href="https://theconversation.com/profiles/steve-worthington-138">Steve Worthington</a>, <a href="https://theconversation.com/institutions/swinburne-university-of-technology-767">Swinburne University of Technology</a></em></p> <p>You head to the register at the cafe to pay for your lunch, swipe your card and suddenly realise you’ve been hit with an extra small but unexpected charge.</p> <p>It might be listed on your receipt as a service or merchant fee, but either way it’s because you’ve used a credit or debit card.</p> <p>With the pandemic accelerating the use of cards instead of cash – <a href="https://www.rba.gov.au/publications/bulletin/2023/jun/cash-use-and-attitudes-in-australia.html#:%7E:text=Cash%20payments,-The%20CPS%20suggests&amp;text=In%20value%20terms%2C%20the%20cash,cent%20by%20value%20in%202022.">only 13% of Australians use cash</a>, dropping from 27% in the last five years – these extra charges have become mainstream.</p> <p>However, as was highlighted by National Australia Bank chief executive Andrew Irvine during a <a href="https://www.aph.gov.au/Parliamentary_Business/Committees/Joint/Corporations_and_Financial_Services/FinancialAbuse">parliamentary inquiry</a> into bank charges last week, they are often applied, in varying amounts, by businesses for reasons not always in line with their original purpose.</p> <p>Irvine slammed as <a href="https://www.afr.com/companies/financial-services/credit-card-surcharges-should-be-banned-or-regulated-nab-boss-says-20240830-p5k6jm">“outrageous”</a> a 10% surcharge he was forced to pay when he recently bought a cup of coffee at a Sydney cafe. “I don’t like the lack of transparency and lack of consistency,” he said.</p> <p>But most Australians are making these extra payments every day, without question. So how did this end up happening – and what can you do about it?</p> <h2>Card surcharges in Australia</h2> <p>At the start of this century, payments for goods and services were mainly made by cash, paper cheques, credit and debit cards.</p> <p>The first two of these options would eventually be deposited into a bank account by the merchant who ran the business. The latter two would be processed by the bank or financial institution which would charge the business a merchant service fee.</p> <p>For debit cards this might be a fixed fee. But for credit cards it would be proportionate with the value of the goods or services.</p> <p>The Reserve Bank of Australia became concerned the use of credit cards was greater than that of debit cards and <a href="https://www.rba.gov.au/publications/consultations/201106-review-card-surcharging/background.html">introduced surcharging in January 2003</a>. The intention was to lower the cost to the merchant of accepting debit cards and change customer behaviour.</p> <p>This has been achieved, as both the volume and value of paying by debit cards now exceeds the volume and value of paying by credit cards.</p> <p>However, the reality in 2024 is that card surcharges have become commonplace, and in a wide variety of payment situations.</p> <h2>It’s estimated to cost us billions</h2> <p>It is difficult to calculate the total cost of surcharging to Australian consumers since they became legal more than 20 years ago, because the rates charged vary widely.</p> <p>But at last week’s inquiry, Labor MP Jerome Laxale suggested it added up to <a href="https://www.smh.com.au/money/banking/card-surcharges-are-costing-us-billions-but-can-they-be-avoided-20240830-p5k6o8.html">A$4 billion</a> in the last year.</p> <p>Surcharges can be imposed by small to medium enterprises such as your local cafe, doctor’s surgery, your energy supplier, or when you use a card to pay your council rates.</p> <p>As an example, my rates are payable by card, with a surcharge of 1.10% for Mastercard and Visa credit, and 0.55% for eftpos and Mastercard and Visa debit cards.</p> <h2>When surcharges can be applied</h2> <p>Many merchants charge the same rate for all their card payments and some fail to alert customers to the extra fee before accepting the payment at their terminal, which they are required to do.</p> <p>Indeed, even on a receipt for payment, the surcharge can be described by the merchant as a “handling” or “merchant” fee.</p> <p>The Australian Competition and Consumer Commission <a href="https://www.accc.gov.au/consumers/pricing/card-surcharges">(ACCC)</a> regulates surcharging and demands the merchant prove a surcharge is justified.</p> <p>Furthermore, the ACCC says if there is no way for a consumer to pay without paying a surcharge – that is, they can’t pay by cash or cheque – then the business must include the surcharge in <a href="https://www.accc.gov.au/business/pricing/price-displays#toc-display-of-surcharges">the displayed price</a>.</p> <h2>Penalties for misuse</h2> <p>The ACCC can take merchants to court to enforce these regulations and there have been some examples of this in recent history.</p> <p>In July 2021, <a href="https://www.accc.gov.au/media-release/nine-entertainment-pays-penalties-for-alleged-excessive-payment-surcharges#:%7E:text=The%20ACCC%20alleged%20that%20these,Deputy%20Chair%20Mick%20Keogh%20said.">Nine Entertainment paid penalties totalling $159,840</a>, plus $450,000 redressing customers, for charging subscribers and advertisers excessive surcharges.</p> <p>The ACCC specifies that the surcharge must not be more than it costs the merchant to use that payment type.</p> <p>As guidance to the merchants, it also offers <a href="https://www.accc.gov.au/consumers/pricing/card-surcharges">the average costs for different payment types</a>: eftpos less than 0.5%, Mastercard and Visa Debit 0.5%–1% and Mastercard and Visa credit 1%–1.5%.</p> <p>However, despite the ACCC setting guidelines for the amounts that can be charged, many surcharges are above this guidance and in some cases more than 2.0% for all cards.</p> <p>Some merchants do charge different surcharging rates, depending on the cards they accept, be it eftpos, Mastercard or Visa. In theory, the surcharge rate is meant to be determined by the merchant service fee, which is negotiated between the merchant and their bank.</p> <p>Larger merchants, such as the supermarkets, department stores and energy companies, can negotiate low rates (reportedly as low as one cent a transaction). But smaller merchants with less negotiating clout will have higher service fees.</p> <p>The arrival of new payment players, such as <a href="https://www.forbes.com/advisor/business/software/square-vs-stripe/">Square and Stripe</a>, has offered businesses an alternative banker of card payments, which can then use surcharging as part of their merchant service fees.</p> <h2>Surcharging overseas</h2> <p>The <a href="https://europa.eu/youreurope/business/finance-funding/making-receiving-payments/electronic-cash-payments/index_en.htm">European Union</a> already has a long-standing ban on surcharging, while in the United States, surcharging is illegal in some states.</p> <p>Other countries, including the United Kingdom, have tried surcharging on card payments, only to abandon them as it was rorted by some merchants and became an unnecessary expense for consumers.</p> <p><a href="https://bluenotes.anz.com/posts/2023/07/anz-news-surcharge-steve-worthington-australia#:%7E:text=In%202018%20the%20UK%20Treasury,their%20hard%2Dearned%20money%E2%80%9D.">A statement</a> released by the UK Treasury when it banned the practice in 2018 described surcharges as</p> <blockquote> <p>Hidden charges for paying with a debit or credit card, which will help millions of UK consumers to avoid rip-off fees when spending their hard earned money.</p> </blockquote> <h2>What can you do about it?</h2> <p>Before surcharging was allowed by the Reserve Bank in January 2003, acceptance by merchants of payments was just another cost of doing business. And it seems many consumers have just accepted surcharges as part of their transactions.</p> <p>There are ways to avoid them, the most obvious being to use cash. Using eftpos involves charges, but they are less than those imposed on credit and debit cards.</p> <p>The Reserve Bank is working on implementing a so-called <a href="https://www.rba.gov.au/payments-and-infrastructure/debit-cards/least-cost-routing/#:%7E:text=What%20is%20least%2Dcost%20routing,'merchant%2Dchoice%20routing'.">“least-cost routing”</a> system that defaults to the lowest cost network when processing payments. Unfortunately, this is yet to be widely adopted by businesses.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/237964/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><a href="https://theconversation.com/profiles/steve-worthington-138"><em>Steve Worthington</em></a><em>, Adjunct Professor, <a href="https://theconversation.com/institutions/swinburne-university-of-technology-767">Swinburne University of Technology</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/surcharges-are-added-to-most-purchases-but-what-are-the-rules-behind-these-extra-fees-237964">original article</a>.</em></p> </div>

Money & Banking

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Woman who died in office cubicle found four days later

<p>The body of an employee at one of America's biggest banks was in her office cubicle four days after she passed away, according Arizona police officials. </p> <p>Denise Prudhomme, 60, had used her ID to scan into the building on August 16 at 7am, four days later her dead body was found slumped over in her cubicle at the bank's office in Tempe. </p> <p>“To hear she’s been sitting at the desk like that would make me feel sick,” an employee at Wells Fargo told local news outlet <em>K12News</em>. </p> <p>“And nobody did anything. That’s how she spent her last moments.”</p> <p>The employee told the outlet that several workers had complained of a foul smell when they came back to work after the weekend, but thought it was just bad plumbing. </p> <p>K12News reported that another employee found Prudhomme dead at her desk in a cubicle while walking around the building, and the security guards then alerted police. </p> <p>One employee said that the building's security guards should have found her body earlier. </p> <p>“That’s the scary part. That’s the uneasy part,” they said. </p> <p> “It’s negligence in some part.”</p> <p>Prudhomme’s cause of death has not yet been released, though officials have said that based on the preliminary investigation there was no sign of foul play. </p> <p>The investigation is ongoing. </p> <p>Wells Fargo shared a statement with several other news outlets saying that they were “deeply saddened by the tragic loss of our colleague” and will be providing counsellors to support office employees. </p> <p>They are also co-operating with police in their investigation. </p> <p><em>Image: Larry Zhou / Shutterstock.com</em></p> <p> </p>

Legal

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"Is that real?!": Woman finds "perfect" 4kg outback gem

<p>Amateur prospector and self-professed "outback crystal hunter" Kirsty McMullan, who seems to have a knack for finding things the Earth has been hiding for millennia, recently pulled a massive 4kg semi-precious stone out of the red dirt like it was no big deal.</p> <p>The footage, which naturally set the internet ablaze, shows the stunning crystal's perfect edges gleaming like a trophy for the "Best Rock Ever Found" award.</p> <p>"@crystals_of_australia and I were working on an amethyst zone together today when this big beauty decided to reveal itself," Kirsty wrote on Instagram. "It is by far the largest single point we have unearthed at the amethyst mine while we have been here 💜"</p> <p>Kirsty and her partner Patrick, who clearly have the best excuse to go on annual vacations to the middle of nowhere, were on one of their yearly treasure hunts in Western Australia when they struck crystal gold.</p> <p>For the past four years, the couple have been making the trek from Cairns to their secret mining spot in WA, which might as well be called "Kirsty and Patrick’s Crystal Wonderland". According to Kirsty, the 4kg amethyst is "by far" the largest they've unearthed, and it’s valued at a cool $3,500.</p> <p>"Finding crystals of this size is rare, especially in Australia,” Kirsty <a href="https://au.news.yahoo.com/woman-stunned-by-incredible-4kg-discovery-in-aussie-dirt-waiting-to-be-found-230119619.html" target="_blank" rel="noopener">told Yahoo News</a>, as if this kind of thing happens in other parts of the world all the time. The crystal, which is larger than some people’s entire rock collections, is staying right where it belongs: in Kirsty’s personal collection, where it can bask in its own glory for eternity.</p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-captioned="" data-instgrm-permalink="https://www.instagram.com/reel/C-ze_2iO2Z2/?utm_source=ig_embed&amp;utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/reel/C-ze_2iO2Z2/?utm_source=ig_embed&amp;utm_campaign=loading" target="_blank" rel="noopener">A post shared by Kirsty McMullan |Outback Crystal Hunters (@wildling_heart)</a></p> </div> </blockquote> <p>The couple spends their days living out every geology student’s fantasy, digging up clusters of crystals that probably make the other rocks feel bad about themselves. “Sometimes the pockets are small with little crystals, and other times they’re quite large, allowing for bigger points or clusters to form,” Kirsty explained, hinting at the surprise element that keeps them coming back. </p> <p>Kirsty’s latest find has left Aussies everywhere questioning their life choices, wondering why they’re not out in the outback with a pickaxe instead of stuck in traffic on the way to their office jobs. “That is stunning,” commented one Aussie, clearly rethinking their career path. “Holy perfection,” said another, probably Googling “how to become a prospector” right now. While a third simply could not believe their eyes, writing "holy shit is that real?!".</p> <p>For now, Kirsty’s giant amethyst will remain a shiny testament to the fact that, yes, there are literal treasures buried in the outback, just waiting for someone with a good eye – and a lot of patience – to dig them up. So, next time you’re looking for something to do on a weekend, maybe leave the beach behind and head into the dirt. Who knows? You might just stumble upon a $3,500 rock.</p> <p><em>Images: Kirsty McMullan / Instagram</em></p>

Money & Banking

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The eye-watering salaries of The Voice Australia judges revealed

<p><em>The Voice Australia</em> has revamped the lineup of the judges for the 2024 season, with American music icons Adam Lambert and LeAnn Rimes joining Aussies Guy Sebastian and Kate Miller-Heidke. </p> <p>As the new American talent joins the show, Seven are reportedly paying big buck for the international stars after their salaries were leaked by <a href="https://au.lifestyle.yahoo.com/exclusive-the-voice-australia-coaches-salaries-leaked-amid-pay-row-230921307.html" target="_blank" rel="noopener"><em>Yahoo News</em></a>. </p> <p>According to the publication, an alleged source claims that Adam and LeAnn "are believed to be receiving between $750,000 and $1.2 million" for the single season of the show. </p> <p>Meanwhile, Kate Miller-Heidke "is believed to be receiving upwards of $500,000" for her first season on the show. </p> <p>Veteran judge Guy Sebastian allegedly started on $750,000 per season in 2019, "but this is believed to now be worth $1 million". </p> <p>These new judges are getting "considerably less" than outgoing coaches Rita Ora and Jason Derulo, <em>Yahoo</em> alleges.</p> <p>According to a production insider, the reason for the switch-up of judges was the star's pay cheques, and a desire from producers to keep costs down.</p> <p>The insider said the program has been wanting a change in judges lineup for a quite some time, adding that salary increases are necessary to keep returning stars on the show and the price tag for the former crop was "too expensive".</p> <p>"The company line was that Jessica, Rita and Jason were all too busy, but I don't think anyone is too busy to pick up these sorts of pay cheques. It certainly did have a lot to do with keeping the costs down."</p> <p><em>Image credits: Seven </em></p>

TV

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Even after the government’s aviation crackdown, Australia will lag behind on flyers’ rights

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/ian-douglas-2932">Ian Douglas</a>, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a></em></p> <p>When it comes to consumer protections for airline passengers, Australia has long been dragging its feet.</p> <p>The limited protections we do have rely heavily on the general <a href="https://consumer.gov.au/index.php/australian-consumer-law">Australian Consumer Law</a>. The “consumer guarantees” provided in this law only require services to be delivered in the arguably vague framework of a “reasonable time”.</p> <p>That might be okay if we’re just getting a sofa delivered from a furniture retailer. The cost of a late delivery is low.</p> <p>But these guarantees were not tailored to the unique impacts delayed or cancelled flights can have on travellers. Australia’s lack of aviation-specific protections has long been a severe <a href="https://www.accc.gov.au/system/files/Airlines%20Terms%20and%20Conditions%20Report.pdf">pain point</a> for flyers, only heightened by pandemic disruption.</p> <p>The government’s much-awaited <a href="https://www.infrastructure.gov.au/infrastructure-transport-vehicles/aviation/aviation-white-paper">Aviation White Paper</a>, released in full on Monday, promised to address this issue. At the heart of the reforms, Australia will get a new aviation ombud scheme, and a new charter of customer rights for passengers.</p> <p>The recognition that new protections are needed is a step in the right direction. But this once-in-a-generation white paper missed the chance to achieve far more, by moving Australia to the style of consumer protection that have now been offered for 20 years in <a href="https://www.airhelp.com/en-int/ec-regulation-261-2004/">Europe</a>.</p> <h2>Why is air travel unique?</h2> <p>Airline customers have a reasonable expectation of arriving at their destination, at (or close to) the time published by the airline in its schedule at the time the reservation was paid and ticketed.</p> <p>If this can’t be achieved, they should at least arrive at some amended time that was advised far enough in advance to allow related reservations and bookings to be adjusted.</p> <p>Air travel has to be punctual because it doesn’t have any substitutes. On even a modest deadline, driving from Perth or even Sydney to Melbourne, for example, is not a comparable option.</p> <p>And a passenger’s options to adapt their travel plans diminish as the departure date approaches. In the final days before travel, hotel cancellation deadlines pass and alternative connecting flight options sell out or spike in price.</p> <p>In some cases, travelling to a specific event can become pointless for a passenger if a delay is lengthy enough.</p> <h2>Australia is playing catch-up</h2> <p>In contrast with Australia, aviation-specific protections have long existed in many other developed economies.</p> <p>In the European Union (EU), for example, <a href="https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=LEGISSUM%3Al24173">regulations</a> make clear that airlines have specific obligations and responsibilities in the event of delays, cancellations and denied boardings. This includes the <a href="https://www.airhelp.com/en-int/ec-regulation-261-2004/">right to compensation</a> of up to €600 (A$988).</p> <p>These protections and the levels of compensation payable for failure to meet specified requirements for different kinds of flights are comprehensively legislated.</p> <p>Canada has a <a href="https://laws-lois.justice.gc.ca/eng/regulations/SOR-2019-150/index.html">slightly different approach</a> – smaller regional carriers have different obligations to mainline operators. But as with the European regulation, it imposes an obligation to get the passenger to the ticketed destination, or to refund the ticket if the journey has become pointless.</p> <p>The absence of such legislated protections in Australia means we typically have to rely on the goodwill of the airline when things go wrong.</p> <h2>Real action has been delayed</h2> <p>The centrepiece proposal of the <a href="https://www.infrastructure.gov.au/infrastructure-transport-vehicles/aviation/aviation-white-paper">white paper</a> is to create a new ombud scheme with “the power to direct airlines and airports to provide remedies to consumers and investigate customer complaints about airlines’ and airports’ conduct”. This will replace the existing <a href="https://www.airlinecustomeradvocate.com.au/General/Default.aspx">Airline Customer Advocate</a>.</p> <p>A new charter of customer rights, to be produced by the scheme, will aim to give flyers “greater certainty about what they can expect when flights are cancelled and delayed” and require airlines to be more transparent about their performance.</p> <p>The white paper noted the poor on-time performance of Australian carriers. It also pointed out that the Australian Competition and Consumer Commission <a href="https://www.accc.gov.au/system/files/Airlines%20Terms%20and%20Conditions%20Report.pdf">identified</a> problems with consumer protections for air travel in Australia as far back as 2017. But its proposals offer no real quantifiable or enforceable improvements to consumer rights.</p> <p>Despite the well-established models in comparable countries – many of which have <a href="https://theconversation.com/if-australia-had-an-aviation-ombudsman-passengers-could-get-compensation-for-cancelled-flights-235679">followed the EU’s lead</a> – Australians will need to wait for yet another discussion process to be complete before they see what protections may eventually be introduced.</p> <p>The government’s white paper has largely just kicked the can down the road.</p> <p>At a minimum, passengers on Australian carriers deserve the assurances given to those travelling in and from Europe: in the event of a cancellation or long delay, that they will be transported to their destination on an alternative flight as quickly as possible.</p> <p>They should also be given appropriate meals and accommodation until they can make this onward journey, receive compensation for lengthy delays, and have the option to return home with a full refund if their travel has become pointless.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/237469/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/ian-douglas-2932">Ian Douglas</a>, Honorary Senior Lecturer, UNSW Aviation, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a></em></p> <p><em>Image credits: Shutterstock</em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/even-after-the-governments-aviation-crackdown-australia-will-lag-behind-on-flyers-rights-237469">original article</a>.</em></p> </div>

Domestic Travel

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Hamish Blake reveals single most life-changing interview moment

<p>Hamish Blake has revealed the A-list celebrity's candid answer to an interview questions that had a profound impact on his perspective. </p> <p>The radio and TV host appeared on the latest episode of the ABC program <em>The Assembly</em>, in which celebrities appear in front of a classroom of Australian university students, all of whom are autistic and studying journalism, and have permission to ask whatever questions they want. </p> <p>After Blake's extensive career, student Silas was keen to ask about what celebrity had the biggest impact on him. </p> <p>“You’ve interviewed a lot of people over the years, what answer to a question has most changed your perspective on life?” Silas asked a clearly-impressed Blake.</p> <p>“Ooooh … really good,” he responded.</p> <p>“We had Richard Branson on [Hamish and Andy], and one of the guys on our radio show, Jack, he basically said to him, ‘You are a billionaire. Can we just go downstairs to the ATM, can you give me a thousand dollars? It’s nothing to you but it will change my month’.”</p> <p>Blake went on to explain that the British entrepreneur gave a surprising response that has stayed with him ever since.</p> <p>“He was like, ‘I’ll tell you what – there’s something I’d give you all my money for’, and Jack’s like, ‘really?’ and [Richard] goes, ‘your age’.</p> <p>“I was like, that’s interesting. Jack was 22, and we were like, ‘What do you mean by that?’ and he said, 'I’d happily be broke and 22 than a billionaire and 68’, or whatever he was at the time.”</p> <p>Blake said the answer had "always stuck with him" and given him a new appreciation for ageing and freedom. </p> <p>“It’s true. I think that it will be true for all of us. As we get older, you’re like, ‘OK, money’s thing in life, a tool that can certainly take some bad situations and discomfort away, but it’s not happiness’. It’s nowhere near the exhilaration of getting to live, and all the best stuff is free,” he said.</p> <p>“I think about that all the time … That always stuck with me, that idea that we’ve got something immediately available to us, that in the future we’d give all our material possessions for.”</p> <p><em>Image credits: ABC </em></p>

TV

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40°C in August? A climate expert explains why Australia is ridiculously hot right now

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/andrew-king-103126">Andrew King</a>, <em><a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a></em></p> <p>It’s winter in Australia, but as you’ve probably noticed, the weather is unusually warm. The top temperatures over large parts of the country this weekend were well above average for this time of year.</p> <p>The outback town of Oodnadatta in South Australia recorded 38.5°C on Friday and 39.4°C on Saturday – about 16°C above average. Both days were well above the state’s previous winter temperature record. In large parts of Australia, the heat is expected to persist into the coming week.</p> <p>A high pressure system is bringing this unusual heat – and it’s hanging around. So temperature records have already fallen and may continue to be broken for some towns in the next few days.</p> <p>It’s no secret the world is warming. In fact, 2024 is shaping up to be <a href="https://www.carbonbrief.org/state-of-the-climate-2024-now-very-likely-to-be-warmest-year-on-record/">the hottest year on record</a>. Climate change is upon us. Historical averages are becoming just that: a thing of the past.</p> <p>That’s why this winter heat is concerning. The warming trend will continue for at least as long as we keep burning fossil fuels and polluting the atmosphere. Remember, this is only August. The heatwaves of spring and summer are only going to be hotter.</p> <figure><iframe src="https://www.youtube.com/embed/GmhMKjxEGQo?wmode=transparent&amp;start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe><figcaption><span class="caption">Widespread heat forecast for Australia in August, 2024 (Bureau of Meteorology)</span></figcaption></figure> <h2>Records broken across Australia</h2> <p>The Bureau of Meteorology was expecting many records to be broken over the weekend across several states. On Thursday, bureau meteorologist Angus Hines described:</p> <blockquote> <p>A scorching end to winter, with widespread heat around the country in coming days, including the chance of winter records across multiple states for maximum temperature.</p> </blockquote> <p>The amount of heat plunging into central Australia was particularly unusual, Hines said.</p> <p>On Friday, temperatures across northern South Australia and southern parts of the Northern Territory were as much as 15°C above average.</p> <p>Temperatures continued to soar across northern parts of Western Australia over the weekend, with over 40°C recorded at Fitzroy Crossing on Sunday. It has been 2–12°C above average from Townsville all the way down to Melbourne for several days in a row.</p> <figure class="align-center zoomable"><a href="https://images.theconversation.com/files/615457/original/file-20240825-18-d8f6ho.gif?ixlib=rb-4.1.0&amp;q=45&amp;auto=format&amp;w=1000&amp;fit=clip"><img src="https://images.theconversation.com/files/615457/original/file-20240825-18-d8f6ho.gif?ixlib=rb-4.1.0&amp;q=45&amp;auto=format&amp;w=754&amp;fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/615457/original/file-20240825-18-d8f6ho.gif?ixlib=rb-4.1.0&amp;q=45&amp;auto=format&amp;w=600&amp;h=412&amp;fit=crop&amp;dpr=1 600w, https://images.theconversation.com/files/615457/original/file-20240825-18-d8f6ho.gif?ixlib=rb-4.1.0&amp;q=30&amp;auto=format&amp;w=600&amp;h=412&amp;fit=crop&amp;dpr=2 1200w, https://images.theconversation.com/files/615457/original/file-20240825-18-d8f6ho.gif?ixlib=rb-4.1.0&amp;q=15&amp;auto=format&amp;w=600&amp;h=412&amp;fit=crop&amp;dpr=3 1800w, https://images.theconversation.com/files/615457/original/file-20240825-18-d8f6ho.gif?ixlib=rb-4.1.0&amp;q=45&amp;auto=format&amp;w=754&amp;h=518&amp;fit=crop&amp;dpr=1 754w, https://images.theconversation.com/files/615457/original/file-20240825-18-d8f6ho.gif?ixlib=rb-4.1.0&amp;q=30&amp;auto=format&amp;w=754&amp;h=518&amp;fit=crop&amp;dpr=2 1508w, https://images.theconversation.com/files/615457/original/file-20240825-18-d8f6ho.gif?ixlib=rb-4.1.0&amp;q=15&amp;auto=format&amp;w=754&amp;h=518&amp;fit=crop&amp;dpr=3 2262w" alt="Animated maximum temperature anomaly map showing heat building across central Australia" /></a><figcaption><span class="caption">Maximum temperature anomalies from August 19-24, showing heat building across Australia.</span> <span class="attribution"><span class="source">Bureau of Meteorology</span>, <a class="license" href="http://creativecommons.org/licenses/by/4.0/">CC BY</a></span></figcaption></figure> <p>Bear in mind, it’s only August. As Hines said, the fire weather season hasn’t yet hit most of Australia – but the current conditions – hot, dry and sometimes windy – are bringing moderate to high fire danger across Australia. It may also bring dusty conditions to central Australia.</p> <p>And for latitudes north of Sydney and Perth, most of the coming week will be warm.</p> <h2>What’s causing the winter warmth?</h2> <p><a href="http://www.bom.gov.au/australia/charts/synoptic_col.shtml">In recent days</a> a stubborn high pressure system has sat over eastern Australia and the Tasman Sea. It has kept skies clear over much of the continent and brought northerly winds over many areas, transporting warm air to the south.</p> <p>High pressure promotes warm weather – both through clearer skies that bring more sunshine, and by promoting the descent of air which <a href="https://media.bom.gov.au/social/blog/2544/explainer-what-influences-air-temperature/">causes heating</a>.</p> <p>By late August, both the intensity of the sun and the length of the day has increased. So the centre of Australia can really warm up when under the right conditions.</p> <p>High pressure in June can be associated with cooler conditions, because more heat is lost from the surface during those long winter nights. But that’s already less of an issue by late August.</p> <p>This kind of weather setup has occurred in the past. Late-winter or early-spring heat does sometimes occur in Australia. However, this warm spell is exceptional, as highlighted by the broken temperature records across the country.</p> <figure class="align-center zoomable"><a href="https://images.theconversation.com/files/615284/original/file-20240823-20-1mu7h0.png?ixlib=rb-4.1.0&amp;q=45&amp;auto=format&amp;w=1000&amp;fit=clip"><img src="https://images.theconversation.com/files/615284/original/file-20240823-20-1mu7h0.png?ixlib=rb-4.1.0&amp;q=45&amp;auto=format&amp;w=754&amp;fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/615284/original/file-20240823-20-1mu7h0.png?ixlib=rb-4.1.0&amp;q=45&amp;auto=format&amp;w=600&amp;h=450&amp;fit=crop&amp;dpr=1 600w, https://images.theconversation.com/files/615284/original/file-20240823-20-1mu7h0.png?ixlib=rb-4.1.0&amp;q=30&amp;auto=format&amp;w=600&amp;h=450&amp;fit=crop&amp;dpr=2 1200w, https://images.theconversation.com/files/615284/original/file-20240823-20-1mu7h0.png?ixlib=rb-4.1.0&amp;q=15&amp;auto=format&amp;w=600&amp;h=450&amp;fit=crop&amp;dpr=3 1800w, https://images.theconversation.com/files/615284/original/file-20240823-20-1mu7h0.png?ixlib=rb-4.1.0&amp;q=45&amp;auto=format&amp;w=754&amp;h=566&amp;fit=crop&amp;dpr=1 754w, https://images.theconversation.com/files/615284/original/file-20240823-20-1mu7h0.png?ixlib=rb-4.1.0&amp;q=30&amp;auto=format&amp;w=754&amp;h=566&amp;fit=crop&amp;dpr=2 1508w, https://images.theconversation.com/files/615284/original/file-20240823-20-1mu7h0.png?ixlib=rb-4.1.0&amp;q=15&amp;auto=format&amp;w=754&amp;h=566&amp;fit=crop&amp;dpr=3 2262w" alt="Graph of August Australian-average temperatures increasing since 1910" /></a><figcaption><span class="caption">August temperatures have been rising over the past century.</span> <span class="attribution"><span class="source">Bureau of Meteorology</span></span></figcaption></figure> <h2>Feeling the heat</h2> <p>The consequences of humanity’s continued greenhouse gas emissions are clear. Australia’s winters are getting warmer overall. And winter “heatwaves” are becoming warmer.</p> <p>Australia’s three warmest Augusts on record have all occurred since 2000 – and <a href="https://theconversation.com/why-is-australia-having-such-a-warm-winter-a-climate-expert-explains-210693">last August was the second-warmest since 1910</a>. When the right weather conditions occur for winter warmth across Australia, the temperatures are higher than a century ago.</p> <p>The warmth we are experiencing now comes off the back of <a href="https://theconversation.com/earth-has-just-ended-a-13-month-streak-of-record-heat-heres-what-to-expect-next-236655">a recent run of global temperature records</a> and <a href="https://theconversation.com/extreme-heat-is-breaking-global-records-why-this-isnt-just-summer-and-what-climate-change-has-to-do-with-it-234249">extreme heat events across the Northern Hemisphere</a>.</p> <p>This warm spell is set to continue, with temperatures above 30°C forecast from Wednesday through to Sunday in Brisbane. The outlook for spring points to continued <a href="http://www.bom.gov.au/climate/outlooks/#/temperature/maximum/median/seasonal/0">above-normal temperatures</a> across the continent, but as always we will likely see both warm and cold spells at times.</p> <p>Such winter warmth is exceptional and already breaking records. Climate change is already increasing the frequency and intensity of this kind of winter heat – and future warm spells will be hotter still, if humanity’s greenhouse gas emissions continue.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/237398/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/andrew-king-103126">Andrew King</a>, Senior Lecturer in Climate Science, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/40-c-in-august-a-climate-expert-explains-why-australia-is-ridiculously-hot-right-now-237398">original article</a>.</em></p> </div>

Domestic Travel

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Australia’s gender pay gap has hit a record low – but we still have work to do

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/leonora-risse-405312">Leonora Risse</a>, <a href="https://theconversation.com/institutions/university-of-canberra-865">University of Canberra</a></em></p> <p>Australia’s gender pay gap – a key measure of economic inequality between men and women – has fallen to a record low of 11.5%.</p> <p>That’s down from 13% this time last year, the steepest annual fall since 2016. Ten years ago, it was almost 19%.</p> <p>The latest figures are great news for our economy and our society – evidence we’re getting better at recognising and fairly valuing women’s capabilities and contributions.</p> <p>More opportunities are now open to women in the workforce, helping them gain and retire with greater financial independence than in previous decades.</p> <p>But national averages don’t tell the whole story. While gender pay gaps have fallen in some industries, they’ve also been rising in others.</p> <p>Today, August 19, is <a href="https://www.wgea.gov.au/pay-and-gender/equal-pay-day-2024">equal pay day</a>. This marks the 50 extra days past the end of the last financial year that Australian women would need to work for their earnings to match those of their male colleagues.</p> <p>This offers us a timely opportunity to reflect on what exactly has driven this year’s improvement – and where we still have work to do.</p> <h2>Women’s earnings picking up pace</h2> <p>We calculate the gender pay gap by comparing the average weekly ordinary-time, full-time <a href="https://www.abs.gov.au/statistics/labour/earnings-and-working-conditions/average-weekly-earnings-australia">earnings</a> for men and women.</p> <p>In dollar terms, women are now earning $231.50, or 11.5%, less than men, on average, in their weekly full-time pay packet.</p> <hr /> <p><iframe id="HwwJ5" class="tc-infographic-datawrapper" style="border: 0;" src="https://datawrapper.dwcdn.net/HwwJ5/1/" width="100%" height="400px" frameborder="0" scrolling="no"></iframe></p> <hr /> <p>The recent narrowing is being driven by women’s average earnings growth picking up pace. This contrasts with <a href="https://www.abc.net.au/news/2018-10-02/fact-check-gender-pay-gap/10302358">earlier periods</a> in which the narrowing of the gap tended to be due to a slowdown in the growth of men’s earnings.</p> <hr /> <p><iframe id="R7uFE" class="tc-infographic-datawrapper" style="border: 0;" src="https://datawrapper.dwcdn.net/R7uFE/1/" width="100%" height="400px" frameborder="0" scrolling="no"></iframe></p> <hr /> <h2>What’s behind the improvement?</h2> <p>While changes in the gender pay gap reflect a range of economy-wide factors, the Albanese government has been quick to attribute the recent fall to the various <a href="https://www.linkedin.com/feed/update/urn:li:activity:7229747376511447040/">targeted actions</a> it has taken since coming to office.</p> <p>Let’s look at whether and how these actions have played a role.</p> <p>First, the government sought to make wage information more transparent. It <a href="https://theconversation.com/pay-secrecy-clauses-are-now-banned-in-australia-heres-how-that-could-benefit-you-195814">banned pay secrecy clauses</a> and now requires the gender pay gaps of all large companies in Australia to be <a href="https://theconversation.com/qantas-pays-women-37-less-telstra-and-bhp-20-fifty-years-after-equal-pay-laws-we-still-have-a-long-way-to-go-223870">publicly reported</a>.</p> <p>These reforms took effect from 2023, targeting private companies. The gender pay gap in the private sector, though higher to begin with, has fallen more swiftly than that of the public sector, suggesting these actions have had an effect.</p> <hr /> <p><iframe id="ZKMdm" class="tc-infographic-datawrapper" style="border: 0;" src="https://datawrapper.dwcdn.net/ZKMdm/1/" width="100%" height="400px" frameborder="0" scrolling="no"></iframe></p> <hr /> <p>Second, the government targeted gender-patterned biases in industrial relations – including the <a href="https://theconversation.com/50-years-after-equal-pay-the-legacy-of-womens-work-remains-118761">legacy effects</a> of past decisions – and instilled gender equity as a new objective of Australia’s Fair Work Act.</p> <p>The Fair Work Commission is now required to take gender equity into account in its wage deliberations, including its <a href="https://www.fwc.gov.au/documents/resources/2024fwcfb3500.pdf">minimum wage decision</a>.</p> <p>The government also introduced multi-employer bargaining in an attempt to strengthen workers’ bargaining capacity in female-concentrated sectors.</p> <p>The effects of these changes will continue to flow across the workforce as the Fair Work Commission undertakes its review of modern awards, prioritising those affecting <a href="https://www.fwc.gov.au/hearings-decisions/major-cases/gender-undervaluation-priority-awards-review">female-concentrated industries</a>.</p> <figure class="align-right zoomable"><figcaption></figcaption></figure> <p>And third, further addressing the historical undervaluation of “women’s work”, the government directly addressed low pay in female-concentrated sectors by supporting a pay rise for <a href="https://www.fairwork.gov.au/newsroom/news/15-per-cent-wage-increase-aged-care-sector">aged care workers</a>.</p> <p>Targeting the low pay and under-valuation of an industry that is about 87% female helped fuel the downward momentum in the overall gender pay gap.</p> <p>The government’s recently announced pay rise for <a href="https://ministers.education.gov.au/anthony-albanese/pay-rise-early-educators-while-keeping-fees-down-families">early childhood education and care workers</a> – a workforce that is around 95% female – will also target gender patterns in low pay once they come into effect.</p> <p>These government actions have been essential for undoing the gender biases embedded in existing systems. And they have complemented other initiatives that have taken effect in the past year, such as the <a href="https://www.respectatwork.gov.au/new-positive-duty-employers-prevent-workplace-sexual-harassment-sex-discrimination-and-victimisation">Respect At Work Act</a>, requiring employers to proactively stamp out sexual harassment.</p> <p>But there is still a way to go to keep closing the gender gaps across all parts of the workforce.</p> <h2>Falling in some industries, rising in others</h2> <p>Breaking down the gender pay gap in earnings by sector paints a more varied picture.</p> <p>In industries like construction, public administration and safety, and retail trade, it has fallen notably over the past two years.</p> <hr /> <p><iframe id="poLND" class="tc-infographic-datawrapper" style="border: 0;" src="https://datawrapper.dwcdn.net/poLND/1/" width="100%" height="400px" frameborder="0" scrolling="no"></iframe></p> <hr /> <p>But it remains high in industries like healthcare and social assistance, at over 20%, and finance and insurance at 18%.</p> <hr /> <p><iframe id="6cLnT" class="tc-infographic-datawrapper" style="border: 0;" src="https://datawrapper.dwcdn.net/6cLnT/2/" width="100%" height="400px" frameborder="0" scrolling="no"></iframe></p> <hr /> <p>In some industries, the gap has actually increased over the past two years. In arts and recreation services, as well as electricity, gas, waste and water services, it’s been continually rising.</p> <hr /> <p><iframe id="M8fve" class="tc-infographic-datawrapper" style="border: 0;" src="https://datawrapper.dwcdn.net/M8fve/1/" width="100%" height="400px" frameborder="0" scrolling="no"></iframe></p> <hr /> <h2>That could reflect a bigger shift</h2> <p>It’s important to interpret these figures carefully. In some instances, a widening of the gender pay gap can reflect a positive shift in an industry’s makeup, if it reflects more women joining a male-dominated sector at entry level, and growing a pipeline of senior women for the future.</p> <p>That’s why the Workplace Gender Equality Agency (WGEA) gives organisations a chance to explain these dynamics in their <a href="https://www.wgea.gov.au/about/our-legislation/publishing-employer-gender-pay-gaps">employer statements</a>, which are published on the WGEA website alongside organisations’ gender pay gaps.</p> <p>Over time, the entry of more women at the junior level can flow through to more gender balance as these women progress to senior and decision-making roles.</p> <p>The real test will be to ensure – by fostering more gender equitable, inclusive and respectful work cultures and systems – that they do.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/236894/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/leonora-risse-405312">Leonora Risse</a>, Associate Professor in Economics, <a href="https://theconversation.com/institutions/university-of-canberra-865">University of Canberra</a></em></p> <p><em>Image credits: Shutterstock</em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/australias-gender-pay-gap-has-hit-a-record-low-but-we-still-have-work-to-do-236894">original article</a>.</em></p> </div>

Money & Banking

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What does family look like in Australia? It’s more diverse than you think

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/yuvisthi-naidoo-476322">Yuvisthi Naidoo</a>, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a>; <a href="https://theconversation.com/profiles/ilan-katz-147135">Ilan Katz</a>, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a>, and <a href="https://theconversation.com/profiles/megan-blaxland-128122">Megan Blaxland</a>, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a></em></p> <p>When we think of the concept of the family, a specific version often springs to mind: a mother, a father and children, usually two or three. It’s the version of society our policies and systems are built around.</p> <p>But Australia’s families are far more diverse. Some are multigenerational, some are sole-parent, some are blended. We need to understand how families have evolved over time and what that means for the social fabric of our country.</p> <p>Our <a href="https://www.uniting.org/content/dam/uniting/documents/families-report/uniting-families-report-2024.pdf">new research</a>, released today, charts years of data to map out what families have looked like historically and what they look like now. We also looked at how these families function, including income, wealth, labour division and care responsibilities.</p> <h2>Charting change over time</h2> <p>Families are the primary social environment in which we are cared for. As such, they play a fundamental role in our development and in making a thriving society.</p> <p>Of the <a href="https://www.abs.gov.au/media-centre/media-releases/2021-census-shows-changing-face-australias-6-million-families">six million</a> children and young people, aged 0–19 years, currently growing up in Australia, the majority learn and develop with the care and support of families. More than two and a half million families are raising children under the age of 15.</p> <p>Our understanding of who counts as family has expanded enormously over the past 50 years. But too often, we assume families are nuclear. Research too is guilty of examining “families” without exploring variation. If any different forms of family are explored, they typically divide families into couple-parent and sole-parent families.</p> <p>Shining a spotlight on family diversity is essential to ensuring that policies, systems and society are supportive and inclusive of the many ways children and young people grow up. We need to <a href="https://research-information.bris.ac.uk/ws/files/236470646/socsci_09_00083_v2.pdf">change the way</a> we think about family.</p> <p>Our team, in partnership with <a href="https://www.uniting.org/home">Uniting NSW.ACT</a>, will report annually over the next decade to chart the diversity of families, how this changes over time, and the implications for policy and practice. Our first report analyses the 2022 wave of Housing Income and Dynamics in Australia (HILDA) data and the 2021 Census to examine these issues.</p> <p><a href="https://www.uniting.org/content/dam/uniting/documents/families-report/uniting-families-report-2024.pdf">We found</a> while the majority of children live in couple-parent (69%) and sole-parent (11%) families, 12% of children live in step/blended families, 6% live in multigenerational families, and around 1% live in foster families or families made up of other kin.</p> <p>We also found First Nations families are more likely to live in multigenerational (9%), step and/or blended (27%), sole-parent (23%), or foster and other kin (6%) families.</p> <h2>Care, wealth and labour</h2> <p>Our analysis of ten years of the Census shows this diverse mix of families has been a consistent part of the Australian population over time.</p> <p>As well as nurturing children and supporting young adults as they establish themselves in the world, we found families provide care during times of ill-health and disability. Unsurprisingly, multigenerational families are likely to provide this kind of care, because they are living with older adults with care needs.</p> <p>But this was also the case for sole-parent families, step/blended families and foster and other kin families. All these family types are at least twice as likely to provide care than couple families.</p> <p>We know the cost of living is affecting many families. However, our research suggests that couple families, on the whole, have higher incomes (around 1.5 times more) and higher levels of wealth, and are more likely to be able to cope with rising costs than other families.</p> <p>Sole-parent families, step/blended families, multigenerational families and foster and other kin families have lower incomes and are more likely to experience financial hardship, with close to 20% reaching out to friends, family and community for financial help.</p> <p>Across all family types, we found that old patterns around the gendered division of labour are still in force. Women continue to do more housework and more child-rearing than men. Women have this in common across all family types.</p> <p>What’s more, the majority of women (more than two-thirds) report they believe they are doing more than their fair share. Most men, on the other hand, (again, around two-thirds) feel their contributions are about right. Men heading sole-parent families are the main exception to this pattern.</p> <p>These findings challenge conventional notions of family structure and underscore the importance of inclusive support systems policies that recognise and address the multifaceted needs of families. For example, <a href="https://www.servicesaustralia.gov.au/family-tax-benefit">some family assistance programs</a> base access to supports on household incomes, assuming an increase in resources will benefit all families equally, without considering the number of people in the household or the complexity of caring roles they may hold.</p> <h2>Why does this matter?</h2> <p>Greater understanding of family diversity is important in public debate, policy development and service delivery.</p> <p>By thinking about “children and young people and the people who are raising them”, we have developed a new typology of families, which includes: step/blended, multigenerational, and foster and other kin families – groups that are rarely included in quantitative research.</p> <p>The higher care responsibilities of these family types, combined with access to fewer financial resources, shows the importance of ensuring our policies and programs understand more about the many kinds of families who live in Australia. The findings show there is work to do to ensure that conditions and opportunities are equal for all families.</p> <p>At the same time, old challenges about women’s uneven greater share of work raising children, and caring for the homes in which we live, continue to need our focused attention to redress gender imbalances.</p> <p>Importantly, the research also uncovers areas of hope. Despite the obvious challenges many families face, the resilience and care within families is clear. Satisfaction with relationships with children and between siblings is high across all family types.</p> <p>In the next decade we hope to build a compelling narrative that provides a rich evidence base on how family practices, relationships, needs and circumstances change.</p> <p>A better understanding of the rich of tapestry of families and family life in which children and young people are raised in Australia will compel us to look more closely in the design of our policies and systems to disrupt entrenched disadvantage and secure the futures of the next generation.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/236499/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/yuvisthi-naidoo-476322">Yuvisthi Naidoo</a>, Senior Research Fellow, Social Policy Research Centre, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a>; <a href="https://theconversation.com/profiles/ilan-katz-147135">Ilan Katz</a>, Professor of Social Policy, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a>, and <a href="https://theconversation.com/profiles/megan-blaxland-128122">Megan Blaxland</a>, Senior Research Fellow, Social Policy Research Centre, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/what-does-family-look-like-in-australia-its-more-diverse-than-you-think-236499">original article</a>.</em></p> </div>

Family & Pets

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99-year-old woman declared accessory to over 10,000 murders

<p>A court in Germany has upheld the conviction of a 99-year-old woman who, during the Second World War, was the secretary to the SS commander at a Nazi concentration camp. </p> <p>The Federal Justice Court on Tuesday rejected the appeal of Irmgard Furchner, who was convicted of being an accessory to more than 10,000 murders and was given a two-year suspended sentence in December 2022. </p> <p>Furchner was accused of being a key part of the apparatus that helped the camp near Danzig, now the Polish city of Gdansk, function, and was subsequently convicted of being an accessory to murder in 10,505 cases and an accessory to attempted murder in five cases.</p> <p>At a federal court hearing in Leipzig in July, Furchner's lawyers cast doubt on whether she really was an accessory to crimes committed by the commander and other senior camp officials between 1943 and 1945, and on whether she had truly been aware of what was going on at Stutthof.</p> <p>The court said that judges were convinced that Furchner “knew and, through her work as a stenographer in the commandant’s office of the Stutthof concentration camp from June 1st 1943, to April 1st 1945, deliberately supported the fact that 10,505 prisoners were cruelly killed by gassings, by hostile conditions in the camp,” by transportation to the Auschwitz death camp and by being sent on death marches at the end of the war.</p> <p>Germany's main Jewish leader welcomed the ruling. “For Holocaust survivors, it is enormously important for a late form of justice to be attempted,” Josef Schuster, the head of the Central Council of Jews, said in statement.</p> <p>“The legal system sent an important message today: even nearly 80 years after the Holocaust, no line can be drawn under Nazi crimes,” he added.</p> <p>During the original court proceedings, prosecutors said that Furchner’s trial may be the last of its kind, however, a special federal prosecutors’ office in Ludwigsburg tasked with investigating Nazi-era war crimes says three more cases are pending with prosecutors or courts in various parts of Germany.</p> <p>With any suspects now at a very advanced age, questions increasingly arise over suspects’ fitness to stand trial.</p> <p><em>Image credits: Sky News</em></p>

Legal

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Heartbreaking final message as world's oldest woman passes away

<p>Maria Branyas Morera, the world's oldest woman, has died aged 117. </p> <p>The centurion, who has lived through two world wars and a global pandemic, passed away “peacefully and without pain”, according to her family members who announced her tragic passing on X, formerly Twitter. </p> <p>“Maria Branyas has left us.</p> <p>“She died as she wished: in her sleep, peacefully and without pain.</p> <p>“We will always remember her for her advice and her kindness.”</p> <p>In a heartbreaking final message shared to X on Tuesday, Morera shared that she felt "weak" and that the "time is near". </p> <p>“The time is near. Don’t cry, I don’t like tears. And above all, don’t suffer for me," she wrote. </p> <p>“Wherever I go, I will be happy.”</p> <p>Morera became the world's oldest living person after French nun Lucile Randon passed away aged 118 in January last year. </p> <p>Before her death, Morera agreed to undergo scientific testing by researchers who collected samples of her saliva, blood and urine, in hopes to gain insight into the secrets to a long life. </p> <p>They will compare them with those of her 80-year-old daughter and hope that by studying her genes they may develop drugs which could combat diseases associated with ageing. </p> <p>Morera is survived by her two daughters, 11 grandchildren and 11 great-grandchildren. </p> <p><em>Images: news.com.au/ Guinness Book of Records</em></p> <p> </p>

Caring

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Top ten places in Australia to retire

<p>Each year, more and more Aussies are fleeing their hometowns and major cities after they retire for a slower pace of life to fully enjoy their retirement years.</p> <p>These small towns offer retirees more lifestyle benefits and affordable housing, while avoiding the busy hustle and bustle of city life.</p> <p>A new study by fintech firm Citro shared the top ten places retirees are choosing to move to, with New South Wales and Queensland housing the most desirable locations.</p> <p>In the top ten spot was Echuca in Victoria, followed by the Tasmanian town of Launceston, with both towns offering a unique sense of community and beautiful scenery.</p> <p>Three charming seaside towns were named in the next positions, with Wallaroo, the seaside paradise on the Yorke Peninsula in South Australia, taking out the 8th place spot, Mandurah in the south of Perth, Western Australia in 7th, and the town of Rosebud on Victoria's Mornington Peninsula landing in 6th place.</p> <p>Heading inland to the Australian capital was Belconnen in Canberra, ACT, in 5th place, while the whale-watching hub of Hervey Bay in southeast Queensland landed in 4th.</p> <p>Maryborough in Victoria came in 3rd, while Ingham – known as the "Little Italy" of tropical north Queensland – was crowned the 2nd most desirable place for Aussie retirees.</p> <p>However, coming out on top was the quaint country New South Wales town of Armidale, which was dubbed the best place in the country for Australian retirees, largely based on the fact that average house prices are currently sitting at $450,000.</p> <p><em>Image credits: Visit Victoria / Shutterstock</em></p>

Retirement Life

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Australia’s IV fluids shortage will likely last all year. Here’s what that means for surgeries

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/stuart-marshall-1115779">Stuart Marshall</a>, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722"><em>The University of Melbourne</em></a></em></p> <p>The current <a href="https://www.tga.gov.au/about-IV-fluids-shortages">shortage of sterile intravenous (IV) fluids</a> is a serious ongoing concern for doctors across Australia. During surgery, these sterile fluids are essential to administer drugs and hydrate patients intravenously (via the veins).</p> <p>But supplies of two of the most common solutions are critically low.</p> <p>The Australian government has recently moved to <a href="https://www.theguardian.com/australia-news/article/2024/aug/16/australia-iv-fluid-shortage-government-distribution">coordinate supplies</a> of IV fluids to increase manufacturing and ensure distribution. Despite this, supplies are not expected to return to normal levels <a href="https://www.health.gov.au/sites/default/files/2024-08/joint-statement-on-iv-fluids-health-ministers-meeting-16-august-2024.pdf">until the end of the year</a>.</p> <p>So, what will this mean for surgery in Australia? And are there any alternatives?</p> <h2>Why do we need IV fluids for surgery?</h2> <p>IV fluids are used before, during and after surgery to maintain blood volume and the body’s normal functions. They also combat dehydration, which can happen in a number of ways.</p> <p>Before surgery, patients may become dehydrated from illnesses that cause vomiting or diarrhoea. They are also asked to stop eating and drinking for several hours before surgery. This is to minimise the risk of stomach contents being regurgitated and inhaled into the lungs – a <a href="https://my.clevelandclinic.org/health/diseases/21954-aspiration-pneumonia">complication that can cause injury or death</a>. But it can also make them more dehydrated.</p> <p>During surgery, the body continues to lose fluid through normal processes such as sweating and making urine. But some aspects of surgery also exacerbate dehydration, for example, through blood loss or when internal organs are exposed and lose more fluid through evaporation.</p> <p>After the operation, IV fluids may be required for some days. Many patients may still be unable to eat and drink until the function of the gut returns to normal.</p> <p>Multiple research studies, including <a href="https://www.nejm.org/doi/full/10.1056/NEJMoa1801601">a trial </a>of 3,000 patients who underwent major abdominal surgery, have demonstrated the importance of adequate fluid therapy throughout all stages of surgery to avoid kidney damage.</p> <p>Apart from hydration, these sterile fluids – prepared under strict conditions so they contain no bacteria or viruses – are used in surgery for other reasons.</p> <p>Anaesthetists commonly use fluid infusions to slowly deliver medications into the bloodstream. There is some evidence this method of maintaining anaesthesia, compared to inhalation, can improve patients’ experience of “waking up” after the procedure, <a href="https://medcast.com.au/blog/total-intravenous-anaesthesia-tiva">such as being clearer headed and having less nausea and vomiting</a>.</p> <p>Surgeons also use sterile fluids to flush out wounds and surgical sites to prevent infection.</p> <h2>Are there workarounds?</h2> <p>Fluid given intravenously needs to closely resemble the salts in the blood to prevent additional problems. The safest and cheapest options are:</p> <ul> <li>isotonic saline, a solution of water with 0.9% table salt</li> <li>Hartmann’s solution (compound sodium lactate), which combines a range of salts such as potassium and calcium.</li> </ul> <p>Both are <a href="https://www.tga.gov.au/about-IV-fluids-shortages">in short supply</a>.</p> <p>One way to work around the shortage is to minimise how much IV fluid is used during the procedure. This can be achieved by ensuring those admitted to surgery are as well hydrated as possible.</p> <p>Many people presenting for minor surgery can safely drink water up until an hour or so before their operation. A recent initiative termed “<a href="https://associationofanaesthetists-publications.onlinelibrary.wiley.com/doi/10.1111/anae.15855">sip ‘til send</a>” has shown it is safe for patients to drink small amounts of fluid until the operating theatre team “sends” for them from the waiting room or hospital ward.</p> <p>However, this may not be appropriate for those at higher risk of inhaling stomach contents, or patients who take medications including <a href="https://www.journal.acorn.org.au/cgi/viewcontent.cgi?article=1291&amp;context=jpn">Ozempic</a>, which delay the stomach emptying. Patients should follow their anaesthetist’s advice about how to prepare for surgery and when to stop eating and drinking.</p> <p>Large research trials have also helped establish protocols called “<a href="https://www.bjanaesthesia.org/article/S0007-0912(17)53976-8/fulltext">enhanced recovery after surgery</a>”. They show that using special hydrating, carbohydrate-rich drinks before surgery can improve patients’ comfort and speed up healing.</p> <p>These protocols are common in <a href="https://aci.health.nsw.gov.au/__data/assets/pdf_file/0003/736617/ERAS-Key-principles-for-colorectal-surgery.pdf">major bowel surgery</a> in Australia but not used universally. Widespread adoption of these processes may reduce the amount of IV fluids needed during and after large operations, and help patients return to normal eating and drinking earlier. Medications reducing nausea and vomiting are now also routinely administered after surgery to help with this.</p> <h2>What will the shortage mean for surgeries?</h2> <p>The Australian and New Zealand College of Anaesthetists <a href="https://www.anzca.edu.au/news/guidance-on-sparing-of-intravenous-fluid-use">has advised anaesthetists</a> to reduce the consumption of fluid during operations where there might be limited or minimal benefit. This means that the fluid will only be used for people who need it, without a change to the quality and safety of anaesthetic care for any patient.</p> <p>Even with these actions, there is still a chance that some planned surgeries may <a href="https://www.abc.net.au/news/2024-08-15/iv-fluid-shortage-elective-urgery-delays/104225280">need to be postponed</a> in the coming months.</p> <p>If needed, these cancelled operations will likely be ones requiring large volumes of fluid and ones that would not cause unacceptable risks if delayed. Similar to cancellations during the height of the COVID pandemic, emergency operations and surgery for cancers are unlikely to be affected.</p> <p>Monitoring of the supplies and ongoing honest and open dialogue between senior health managers and clinicians will be crucial in minimising the disruption to surgical services.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/237009/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/stuart-marshall-1115779">Stuart Marshall</a>, Associate Professor, Department of Critical Care, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/australias-iv-fluids-shortage-will-likely-last-all-year-heres-what-that-means-for-surgeries-237009">original article</a>.</em></p> </div>

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