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Legendary Australian photographer found dead

Legendary Australian news photographer John Grainger has been found dead in Sydney's northern beaches, just days after he went missing. In a statement from the NSW Police Force, they said that Mr Grainger's body was discovered in Elanora Heights on Wednesday morning, after being reported missing on Tuesday afternoon. Mr Grainger's death is not being treated as suspicious. He was 64. Grainger's extensive career in the media spanned more than 30 years, starting with his photography work in the mid 1980s and building into an impressive portfolio of covering news events. Over the years, his work earned him numerous accolades, including a 2018 Walkley Award for his famous photo for The Daily Telegraph that confirmed Vikki Campion was pregnant with then Deputy Prime Minister Barnaby Joyce's baby. Grainger was also a two-time Kennedy Award winner, with his most recent award being won for a candid photograph of newly-elected Prime Minister Anthony Albanese on his front porch. Grainger's passion for photography never wavered, even when the job put him in harm's way, as he said in an interview in 2023, "I was assaulted many times. I had to have police track people down. I was strangled once. Some people just see red, and that’s it – if you are in their way you’re it." While his career was spent taking breaking news photos, Grainger's love for photography extended beyond the headlines, as he turned his lens to nature photography in recent years, capturing stunning images of birds and the landscapes of Narrabeen, which he described as "one of the best photographic locations in Sydney". Image credits: Ingleside Rural Fire Brigade

Caring

Airline bans couple after racist row over reclined seat

Two travellers have been banned from Cathay Pacific flights after an argument over seat etiquette descended into racist insults. The incident occurred on a flight from Hong Kong to London, with a woman documenting her experience in a video posted on Xiaohongshu, China's version of Instagram. The woman, from mainland China, explained, "The lady sitting behind me asked me to put my seat up because it was blocking her husband's view of the TV. I politely declined, and she started stretching her feet onto my armrest, kicking my arm and cursing at me like crazy." A flight attendant stepped in to find a solution to the issue, but when the woman continued to refuse to put her chair up, the situation only escalated. "When (the female passenger) realised my Cantonese wasn't so great, she started throwing around some nasty comments, calling me a 'Mainland girl' and other derogatory stuff," the woman said, explaining how people from Hong Kong speak mainly Cantonese, whereas mainland Chinese mainly speak Mandarin. "Once I started recording, the husband behind me even shoved his hand on my armrest and started shaking it like crazy. I felt my personal space had been completely violated," added the woman, who said other passengers then intervened. In footage of the incident uploaded by the woman, a female voice can be heard saying in Mandarin: "You're old enough — why are you bullying a young girl?" And others can be heard shouting in Cantonese: "You're embarrassing us Hongkongers!" "After some passengers spoke up for me, the flight attendant finally said I could switch seats. I felt it was absurd—what if no one had backed me up? Would I have just been left to deal with it on my own?" the passenger said. "As a major airline, isn't Cathay supposed to know how to handle such disputes? Shouldn't treating passengers differently get some consequences? In a statement released Saturday, Cathay Pacific said it wanted to "sincerely apologise" for the "unpleasant experience," with the airline saying, "We maintain a zero-tolerance policy for any behaviour that violates aviation safety regulations or disrespects the rights of other customers." "We will deny future travel on any Cathay Group flights to the two customers involved in this incident." Image credits: Shutterstock

Travel Trouble

More Australians are using their superannuation for medical procedures. But that might put their financial health at risk

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/neera-bhatia-15189">Neera Bhatia</a>, <a href="https://theconversation.com/institutions/deakin-university-757">Deakin University</a> A record number of Australians are accessing their superannuation early on compassionate grounds, mainly to fund their own medical procedures – or those of a family member. Some 150,000 Australians have used the scheme in the last five years. Nearly 40,000 people <a href="https://www.ato.gov.au/about-ato/research-and-statistics/in-detail/super-statistics/early-release/compassionate-release-of-super">had applications approved</a> in 2022-23, compared to just under 30,000 in 2018-19 – an increase of 47%. Some people think this flexible use of funds is a good way to ensure people can fund their own medical needs. But more transparency and better oversight is needed. <h2>What are compassionate grounds?</h2> Since July 2018, the Australian Tax Office has administered the early release of superannuation – meaning before <a href="https://www.ato.gov.au/individuals-and-families/super-for-individuals-and-families/super/withdrawing-and-using-your-super/super-withdrawal-options#Preservationage">retirement</a> – under certain circumstances, including compassionate grounds. <a href="https://www.ato.gov.au/individuals-and-families/super-for-individuals-and-families/super/withdrawing-and-using-your-super/early-access-to-super/access-on-compassionate-grounds/expenses-eligible-for-release-on-compassionate-grounds">Compassionate grounds</a> for you or your dependant (such as child or spouse) are: <ul> <li>medical treatment or transport</li> <li>modifying your home or vehicle to accommodate special needs for a severe disability</li> <li>palliative care for a terminal illness</li> <li>death, funeral or burial expenses</li> <li>preventing foreclosure or forced sale of your home.</li> </ul> The medical treatment must be for a life-threatening illness or injury, or to alleviate acute or chronic pain, or acute or chronic mental illness. The treatment cannot be “readily available” through the public system. Cosmetic procedures are excluded. You also have to prove you cannot afford to pay part or all of the expenses without accessing your super, for example, by spending your savings, selling assets or getting a loan. People who can access other funding for the expense, such as via the <a href="https://theconversation.com/lists-of-eligible-supports-could-be-a-backwards-step-for-the-ndis-and-people-with-disability-236578">National Disability Insurance Scheme</a>, are ineligible. <h2>Why are people using this scheme more?</h2> The ATO has not explained what is driving the surge. General cost-of-living pressures may play a role. People may have fewer savings to draw on for medical procedures. But the treatments most commonly being accessed using superannuation – fertility treatments, weight loss surgeries and dental care – point to other systemic issues. There have long been issues with IVF and <a href="https://theconversation.com/why-isnt-dental-included-in-medicare-its-time-to-change-this-heres-how-239086#:%7E:text=The%20real%20reason%20dental%20hasn,has%20a%20structural%20budget%20problem.">dental care</a> not being readily available or funded in the public health system. Weight loss surgeries (including <a href="https://www.mayoclinic.org/tests-procedures/bariatric-surgery/about/pac-20394258">bariatric surgery</a>) can help combat potentially life-threatening conditions such as heart disease. Recent <a href="https://www.monash.edu/news/articles/fewer-australians-having-bariatric-surgery-monash-university-led-report">research</a> suggests there has been an overall drop in the number of Australians having bariatric surgeries since 2016. But of those, 95% are performed through the private system. While early access to super can provide individuals access to critical treatment, there are issues with how compassionate grounds are defined and regulated. <h2>Lack of clarity</h2> As my co-author and I <a href="https://www.unswlawjournal.unsw.edu.au/wp-content/uploads/2021/06/Issue-442-PDF-3-Bhatia-and-Porceddu.pdf">have shown</a>, the vague wording of the <a href="https://www.legislation.gov.au/F1996B00580/2022-09-28/text">Superannuation Industry regulations</a> leaves them worryingly open to interpretation. For example, the meaning of “mental disturbance” is not defined. You may not meet the criteria of having an acute or life-threatening illness, or acute or chronic pain. But if you can show a certain condition causes you acute mental disturbance, you may qualify to release your superannuation early. People accessing their superannuation for IVF use this criterion, for example, by arguing they need to access funds to continue treatment and alleviate the acute mental distress caused by ongoing infertility issues. Two registered medical practitioners are each required to submit a report demonstrating the treatment is needed, and one must be a specialist in the field in which the treatment is required. However, the regulations do not specify clearly that the specialist should have relevant qualifications. In the IVF example, this means the specialist opinion can be provided by a fertility doctor rather than a mental health expert – and that person may stand to profit if they later also provide treatment. <h2>A closed-loop system</h2> Conflict of interest is another major issue. There is nothing in the regulations to stop a medical practitioner – such as a dentist – being involved in all steps and then financially benefiting. They could encourage a patient to access superannuation for a treatment, write the specialist report and then also receive payment for the treatment. Some clinics <a href="https://www.theguardian.com/australia-news/2024/apr/06/online-ads-promote-simple-access-to-super-to-pay-for-healthcare-despite-strict-rules">promote</a> accessing superannuation as an option to pay for expensive treatments. This raises important questions about the independence of the process, as well as professional ethics. Medical practitioners making recommendations for early release of superannuation should be doing so on genuinely compassionate grounds. But the potential for exploitation remains an ethical concern, when a practitioner can financially benefit from recommending early access to nest egg funds. Transparency around potential <a href="https://theconversation.com/people-are-using-their-super-to-pay-for-ivf-with-their-fertility-clinics-blessing-thats-a-conflict-of-interest-161278">conflicts of interest</a> are impossible to ensure without proper oversight. <h2>What is needed?</h2> 1. Mandatory financial counselling The ATO <a href="https://www.theage.com.au/healthcare/worrying-trend-record-number-of-australians-raid-super-to-fund-medical-treatments-20240920-p5kc44.html">has warned</a> accessing super early is not “free money”, with a spokesperson urging people to get financial advice. But the law should go a step further and make this compulsory. That way people making decisions during an emotionally charged moment can understand any future implications. 2. Tightening of the criteria Greater clarity in the legislation – such as defining “mental disturbance” – would help prevent loopholes being exploited. 3. Better oversight Less health-care industry involvement would promote greater transparency and independence. An independent body of medical practitioners could assess applications rather than practitioners who could financially benefit if applications are approved. This would help alleviate perceived and actual conflicts of interest. Accessing superannuation early may be the only option for some people to start a family or access other life-changing medical care. But they should be able to make this decision in a fully informed way, safeguarded from exploitation and aware of the implications for their future.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/239588/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/neera-bhatia-15189">Neera Bhatia</a>, Associate Professor in Law, <a href="https://theconversation.com/institutions/deakin-university-757">Deakin University</a> Image credits: Shutterstock 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/more-australians-are-using-their-superannuation-for-medical-procedures-but-that-might-put-their-financial-health-at-risk-239588">original article</a>. </div>

Money & Banking

Climate change threatens Australian tourism more than is widely believed. Here’s why

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/freya-higgins-desbiolles-181651">Freya Higgins-Desbiolles</a>, <a href="https://theconversation.com/institutions/university-of-south-australia-1180">University of South Australia</a> Right now, Australia is one of the <a href="https://www.weforum.org/publications/travel-tourism-development-index-2024/">top five</a> tourist destinations in the world, a distinction the World Economic Forum says it shares with only the United States, France, Spain and Japan. So important is tourism to Australia’s economy that the best estimates are it employs <a href="https://www.tra.gov.au/en/economic-analysis/state-of-the-industry">655,000</a> people, 12 times as many as <a href="https://www.abs.gov.au/statistics/labour/employment-and-unemployment/labour-force-australia-detailed/jul-2024">Australia’s coal industry</a>. And most of them are employed in <a href="https://www.zurich.com.au/content/dam/au-documents/files/zurich-mandala-climate-risk-index-the-impact-of-climate-change-on-the-australian-tourism-industry.pdf">regional locations</a>, where jobs are scarce. This month a report by the Zurich insurance group and the economic consultancy Mandala found <a href="https://www.zurich.com.au/content/dam/au-documents/files/zurich-mandala-climate-risk-index-the-impact-of-climate-change-on-the-australian-tourism-industry.pdf">half</a> of Australia’s top 178 tourism assets were at risk from foreseeable climate change. There are reasons to believe its findings underplay what we are facing. <h2>All major airports, all national parks at risk</h2> The Zurich-Mandala report examines the impact of a 2⁰C increase in global temperatures on only eight so-called “climate perils”: wind, flood, heat, storm, drought, bushfire, hail and rain. It found that more than half of Australia’s top tourism assets faced a “significant risk from multiple perils” over the next 25 years, including all of Australia’s major airports. Scheduling disruptions and the closure of airports in extreme weather conditions were set to have major impacts on the transport of goods, the transport of tourists and accessibility for emergency services. All of Australia’s vineyards, national parks, scenic roads and railways were at risk. Queensland had the highest number of sites facing significant risk (79%) followed by Western Australia (69%) and the Northern Territory (63%). The report uses the impact of the 2019-20 <a href="https://www.aph.gov.au/About_Parliament/Parliamentary_Departments/Parliamentary_Library/pubs/rp/rp1920/Quick_Guides/AustralianBushfires">black summer bushfires</a> to estimate that 176,000 jobs might be at risk nationwide from predictable climate change, most of them outside of Australia’s capital cities. <h2>Multiple and interacting threats</h2> Here is why I am fearful that the report underplays the threat Australia’s tourism industry is facing. There are many more threats to tourism from climate change than wind, flood, heat, storm, drought, bushfire, hail and rain. One is the threat to biodiversity. Iconic animals and habitats are an important part of Australia’s brand. <a href="https://www.abc.net.au/news/2020-07-28/3-billion-animals-killed-displaced-in-fires-wwf-study/12497976">Three billion</a> animals were killed or displaced in the black summer bushfires. The deaths caused <a href="https://www.theguardian.com/australia-news/2023/apr/01/alexis-wright-black-summer-bushfires-vigil-sydney-speech-3-billion-animals-killed-are-our-relatives-they-deserve-to-be-mourned">loss and grief</a> that risk indexes are incapable of capturing, but that nonetheless might make tourism less attractive. And biodiversity helps in another way by <a href="https://www.australianwildlife.org/wp-content/uploads/2019/12/Hayward-Et-Al.-2016-Could-biodiversity-loss-have-increased-Australias-bushfire-threat.pdf">protecting against bushfires</a>, meaning that as species vanish, other risks to tourism climb in ways that aren’t captured in the assumptions used to evaluate risk. <h2>Threats unexamined</h2> What makes holiday locations unattractive is hard to measure, but is fed by extreme weather events. Although temporary, the smoke and heat from the 2019-20 bushfires made parts of Sydney, Melbourne and Canberra almost unlivable for a while, damaging the reputations of Australian capital cities in a way that is <a href="https://www.smh.com.au/national/nsw/not-a-good-look-bushfire-smoke-threatens-to-pollute-sydney-s-tourist-image-20191206-p53hpl.html">probably ongoing</a>. Another curious omission, especially curious given that the report was prepared by an insurance company, is the damage extreme weather events do to the insurability of tourism assets. The report is also silent on the effort to reduce carbon emissions on Australia’s desirability as an international destination. For many tourists, air travel is the only way to get to Australia and it is likely to become more expensive and also less attractive as tourists try to reduce their <a href="https://www.sciencedirect.com/science/article/abs/pii/S0959652614011810">carbon footprints</a>. Australia might increasingly become an Australian rather than an international destination. Our biggest upcoming international promotion, the 2032 Brisbane Olympic Games, might lose a good deal of its shine, with Queensland tourism assets at the greatest risk from climate change, and those risks set to climb over time. <h2>The higher the temperature the bigger the threats</h2> Zurich and the Mandala consultancy are to be commended for identifying 178 top tourism assets and examining eight types of risk they face. Their finding that just over half of them face serious threats from those risks is likely to be an underestimate because it excludes other risks and fails to examine the way in which some risks can intensify others. And they will be an underestimate if global temperatures climb by more than 2⁰C. The report says if global temperatures climb to 3⁰C above pre-industrial levels, 80% of the Australian sites it examined will face serious threats. Australia could attempt to limit the increase in global temperatures by taking up the opportunity to co-host the <a href="https://theconversation.com/its-a-big-deal-if-australia-and-the-pacific-are-chosen-to-host-un-climate-talks-heres-why-238320">2026 UN climate talks</a> with Pacific nations. It would give us a shot at making a difference and drawing attention to our present status as one of the world’s top tourism destinations.<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/238768/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/freya-higgins-desbiolles-181651">Freya Higgins-Desbiolles</a>, Adjunct professor and adjunct senior lecturer in tourism management, <a href="https://theconversation.com/institutions/university-of-south-australia-1180">University of South Australia</a> Image credits: Shutterstock 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/climate-change-threatens-australian-tourism-more-than-is-widely-believed-heres-why-238768">original article</a>. </div>

Domestic Travel

How you can get the official Australian portraits of The King and Queen

Royal fans nationwide can now request a special keepsake online for free. All Australians are entitled to their very own free portrait of King Charles and Queen Camilla. The way one can obtain the monarchy keepsake is through sending an email to their local federal MP requesting one. The initiative comes under the constituents' request program, which allows registered Australian voters to receive their own printed portrait of the royals. Official portraits of the King and Queen were provided to the Australian Government by Buckingham Palace in July and are available for public access. Photos available include a photo of the royal couple standing together, and seperate ones of the monarch and her majesty posing alone. In the photos the King and Queen both donned royal blue outfits and their Commonwealth Insignia, with the King wearing The Sovereign's Badge of the Order of Australia and the Queen wearing the Wattle Brooch. The portraits were taken by royal photographer Millie Pilkington in Buckingham Palace's White Drawing Room in June. The digital images can be downloaded for free from the Department of the Prime Minister and Cabinet <a href="https://www.pmc.gov.au/government/official-australian-portraits-king-and-queen" target="_blank" rel="noopener">website</a> for private use. Those who want a physical copy can request printed versions through their Federal Member of the House of Representatives or Senator in their state or territory via email. The government-funded program, introduced in the Parliamentary Entitles Act 1990, is available for Australian citizens only. Image: Department of the Prime Minister and Cabinet/ Millie Pilkington

Art

What the government’s home care changes mean for ageing Australians

<div class="theconversation-article-body"> <a href="https://theconversation.com/profiles/tracy-comans-696663">Tracy Comans</a>, <a href="https://theconversation.com/institutions/the-university-of-queensland-805">The University of Queensland</a> and <a href="https://theconversation.com/profiles/frances-batchelor-2209350">Frances Batchelor</a>, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a> The Albanese government has this week announced it will introduce one of the <a href="https://www.health.gov.au/ministers/the-hon-anika-wells-mp/media/once-in-a-generation-aged-care-reforms">largest reforms</a> to Australia’s aged-care sector to date. The package includes a A$4.3 billion investment in home care, now called “<a href="https://www.health.gov.au/our-work/support-at-home">Support at Home</a>”, to come into effect from July 2025. This reflects both the desire of many people to remain living at home as they age, and the government’s desire to reduce the costs of residential aged care. So what changes is the government making to home care packages? And what will these changes mean for ageing Australians? <h2>Reducing waiting times</h2> One of the major complaints about the current home care system is the long waiting times. Estimates suggest there’s a <a href="https://www.gen-agedcaredata.gov.au/getmedia/447b425c-63d6-4b96-a1fc-4dac805066ba/Home-Care-Packages-Program-data-report-1-January-%E2%80%93-31-March-2024">6–to-12-month wait</a> for the higher level 3 and 4 home care packages. For people with the highest needs, this is far too long. As of March this year, around <a href="https://www.gen-agedcaredata.gov.au/getmedia/447b425c-63d6-4b96-a1fc-4dac805066ba/Home-Care-Packages-Program-data-report-1-January-%E2%80%93-31-March-2024">45,000 people</a> were waiting for any level of home care. An additional 14,000 were already receiving a package, but on a lower level of home care than they were entitled to. With additional funding, the new system will <a href="https://www.health.gov.au/ministers/the-hon-anika-wells-mp/media/once-in-a-generation-aged-care-reforms">support more participants</a>. It aims to shorten wait times to <a href="https://www.health.gov.au/sites/default/files/2024-09/support-at-home-fact-sheet.pdf">an average of three months</a> from July 2027. <h2>Changes to services</h2> The new system will replace the current four levels of home care packages with <a href="https://www.health.gov.au/ministers/the-hon-anika-wells-mp/media/once-in-a-generation-aged-care-reforms">eight classifications</a> of funding for services. When participants are assessed, they will be assigned the most suitable category. There’s currently very limited information on what these classifications are, but the idea is they will provide more targeted services. A number of short-term supports will also be available. These include assistive technology (such as mobility aids) and home modifications. Some people will be able to access 12 weeks of restorative care – a more intensive program designed to build function after injury or illness – as well as palliative care support. The way different types of services are subsidised is also changing. Previously, the same means-tested co-contribution applied regardless of the type of service. Under the new system, services are categorised into clinical care (for example, physiotherapy or wound care), independence (such as help with bathing or cooking) and everyday living (for example, gardening or home maintenance). The new reforms fully subsidise clinical services regardless of income, whereas independence and everyday living services will attract co-contributions based on means testing. For example, <a href="https://www.health.gov.au/sites/default/files/2024-09/case-studies-support-at-home.pdf">a self-funded retiree</a> would pay nothing out of pocket for physiotherapy, but would pay 50% for help with showering and 80% towards gardening costs. A full pensioner would also pay nothing for physiotherapy, but pay 5% for help with showering and 17.5% of the cost of gardening. This is a positive change. Our research has previously highlighted a tendency for people with home care packages to choose everyday living services <a href="https://onlinelibrary.wiley.com/doi/full/10.1155/2023/4157055">such as gardening</a> and cleaning and refuse clinical care such as allied health and nursing as these types of services were more expensive. These changes should make older people more likely to choose allied health and clinical care services, which will help them maintain their function and stay fitter for longer. <h2>Some challenges</h2> For the government’s reforms to deliver faster and better support at home, a number of issues need to be addressed. As people stay at home for longer, we also see that these <a href="https://academic.oup.com/ageing/article/52/5/afad058/7147101">people are frailer</a> and have more health conditions than in the past. This requires a different and more highly skilled home care workforce. The current <a href="https://www.health.gov.au/sites/default/files/documents/2021/10/2020-aged-care-workforce-census.pdf">home care workforce</a> consists largely of personal care and domestic support workers alongside a much smaller skilled workforce of registered nurses and allied health professionals. But with the changing profile of people receiving care at home, there will need to be a greater focus on maintaining functional capacity. This might mean more allied health input will be required, such as from physiotherapists and occupational therapists. It’s difficult to source an appropriately skilled workforce across the sector, and almost impossible in <a href="https://www.ruralhealth.org.au/sites/default/files/publications/fact-sheet-allied-health.pdf">rural and remote areas</a>. Alternative models, such as training personal care workers to act as allied health assistants, and effectively using technology such as telehealth, will be necessary to meet demand without compromising on quality of care. One example of the need for upskilling in specific areas relates to caring for people with dementia. The majority of people who are living with dementia at home receive care from family carers, supported by home care workers. It’s vital that these care workers have adequate knowledge and skills specific to dementia. However, research has shown the home care workforce may <a href="https://pubmed.ncbi.nlm.nih.gov/31646701/">lack the knowledge and skills</a> to provide best-practice care for people living with dementia. Specialised <a href="https://onlinelibrary.wiley.com/doi/10.1002/gps.6140">dementia training</a> for home care workers is effective in improving knowledge, attitudes and sense of competence in providing care. It should be rolled out across the sector. <h2>What about unpaid care at home?</h2> Unpaid carers, such as family members, provide <a href="https://www.pmc.gov.au/resources/draft-national-strategy-care-and-support-economy/goal-1-quality-care-and-support/support-for-informal-carers">significant amounts of care</a> for older people. The value of this unpaid care is estimated to be in the billions. As older people stay at home for longer, this is set to increase even further. However, carers with high care burdens are particularly vulnerable to <a href="https://www.sciencedirect.com/science/article/pii/S2352827316300283#s0025">poor physical and mental health</a>. Without adequate support, we may find extra caring pressures lead to a breakdown in caring relationships and an increase in other health-care costs for both the carer and care recipient. So we need to ensure carers have adequate financial, psychological and practical support. But the currently available detail on the reforms doesn’t indicate this has been adequately addressed. With careful implementation and ongoing evaluation, these reforms have the potential to significantly enhance the home care system. However, their success will depend on addressing workforce challenges, ensuring adequate support for unpaid carers, and maintaining a focus on the holistic needs of older Australians. More information about Support at Home is <a href="https://www.health.gov.au/our-work/support-at-home/about">available online</a>.<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/238890/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/tracy-comans-696663">Tracy Comans</a>, Executive Director, National Ageing Research Institute; Professor, Centre for Health Services Research, <a href="https://theconversation.com/institutions/the-university-of-queensland-805">The University of Queensland</a> and <a href="https://theconversation.com/profiles/frances-batchelor-2209350">Frances Batchelor</a>, Director Clinical Gerontology & Senior Principal Research Fellow, National Ageing Research Institute, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a> Image credits: Shutterstock 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-the-governments-home-care-changes-mean-for-ageing-australians-238890">original article</a>. </div>

Legal

Beloved teddy bear left in airport lounge rescued by airline

Staff at British Airways have rescued a child’s stuffed teddy bear that was left behind in an airport lounge, documenting the toy’s safe journey home. The treasured teddy was found in the British Airways lounge at London’s Heathrow Airport by nine-year-old Alex, who accidentally left the toy behind before boarding a flight home to Dubai. After staff found the stranded toy, a new flight and boarding pass was created for Postman Bear, while members of the BA team gave the teddy the”'VIP treatment” with a journey on an airport buggy to “catch up” with the Cabin Crew Operations team in the Crew Report Centre. Postman Bear was then taken to meet the cabin crew on his new flight to Dubai and was pictured “patiently” waiting for his flight at the gate, drinking a cup of coffee and enjoying “some great views of the aircraft” while waiting to board. The teddy’s journey home was lovingly captured by British Airways customer manager, Ed Tumath, who sent the snaps back to young Alex to assure him his beloved bear was being looked after. After touching down in Dubai, the cabin crew took Postman Bear to reunite with Alex and the rest of his family for a “bear-y happy reunion”. Stuart, Alex's parent, recalled the moment they knew the teddy was missing, while praising British Airways for their tireless journey to reunite Alex with his bear. Stuart said, “My son had left his teddy bear - huge sentimental value as he has had the teddy since birth - in the British Airways lounge ahead of the flight. We noticed as the aircraft doors were closing so nothing could be done at that point.” “This was very distressing to my son who uses the teddy as a calming item, especially when flying. This was incredibly stressful and we feared that his beloved teddy may be lost forever.” “Whilst onboard the flight, I took to a series of Facebook groups to seek help in finding the teddy. A member of the group contacted Ed who came to the rescue. I managed to communicate with Ed on the flight and received a picture showing that the teddy had been found, which calmed my son.” “Not only did Ed go out of his way to find the teddy but he communicated so well throughout. He genuinely cared about the situation and worked so hard to get the teddy back to us.” “He arranged for the teddy to board a flight to Dubai a couple of days later and a crew member handed the teddy back to us. Not only did Ed excel in his caring manner and communication, he even provided a few pictures of the teddy's journey, which my son will treasure forever.” “My son was so relieved - words could not express how grateful we are to Ed for his kind act and dedication to getting the teddy back to us. I have been flying with BA for many years - this is the best experience I have had by far and I am overwhelmed by Ed's efforts.” “Sometimes amazing people do incredible things and show such kindness along the way... these things matter. This meant a huge amount to my family and I, and we will be forever grateful.” Image credits: British Airways

International Travel

Readers response: What airline will you always prefer to travel with?

When it comes to travelling, many people have their preferences of their favourite airline after past good experiences. Many seasoned travellers always opt to fly with their preferred airline (when it's possible), instead of running the risk of an uncomfortable experience. We asked our readers which airline they will always prefer to travel with, and the response was overwhelming. Here's what they said. Irene Hood - Singapore Airlines. Lovely cabin crew, smooth flights every time. David Slattery - Had quite a few nice flights with Turkish, both short and long haul. Sue Packer - Just came back from Europe with Emirates, great service, great food and the plane left on time! Rick Kehoe - Qantas if available. I have never had a bad flight experience after many flights both domestic and international. Anita Thornton - Finnair is a great airline! Diane Green - For overseas travel, Japan airlines gave the best service. For domestic, Virgin. George Jan Cafcakis - Qatar! It’s definitely the best. Russell Campbell - Singapore, but I just travelled on Vietnam Airlines and they were also good. Goldie Kilford - Air New Zealand for sure. Peter King - Safety: Qantas. Service: Qatar. On time: Lufthansa & Swiss. Friendly Crews: Fiji Air and Air New Zealand. Best Cattle Class Seat Pitches: All Nippon, Korean, Japan. Worst Airline: Jetstar! Image credits: Shutterstock

Travel Tips

The hidden epidemic: How ageism affects Australians over 60

Ageism, the stereotyping and discrimination against individuals or groups based on their age, is a pervasive issue that significantly impacts the daily lives of Australians over 60. While often overlooked, this form of prejudice can have far-reaching consequences on various aspects of life for older Australians. Employment discrimination: barriers to work One of the most prominent ways ageism impacts older Australians is through employment discrimination. Approximately 35% of individuals aged 55-64 report experiencing age-related discrimination in the workplace. This often manifests as difficulty in finding new jobs or securing additional work hours. Many qualified and experienced seniors find themselves overlooked for positions or passed over for promotions simply due to their age, despite their wealth of knowledge and skills. Financial insecurity: a growing concern The repercussions of employment discrimination often lead to financial insecurity among older Australians. Alarmingly, about 80% of Australians aged 65 and over rely at least partially on the Age Pension for their income. Even more concerning is that more than one in four older Australians live in poverty. This financial strain can severely impact quality of life, limiting access to healthcare, social activities, and basic necessities. Negative stereotypes: the invisible senior Society often views older people as frail onlookers rather than active participants. This perception can lead to patronising treatment and exclusion from various aspects of public life. Seniors may find themselves ignored in conversations, their opinions dismissed, or their capabilities underestimated. Such treatment can erode self-esteem and lead to a sense of worthlessness among older Australians. Mental health: the psychological toll The constant barrage of ageist attitudes and behaviours takes a significant toll on the mental health of older adults. Research has shown that ageism is associated with increased stress, anxiety and depression among seniors. It can also lead to lower life satisfaction, impacting overall well-being and quality of life. The psychological impact of feeling devalued or irrelevant in society should not be underestimated. Healthcare discrimination: unequal access to treatment Perhaps one of the most alarming manifestations of ageism is in healthcare. Some older Australians report being denied health services or treatment because of their age. This discrimination is particularly pronounced among those 90 and over, with 20% having experienced such treatment. This not only violates the principle of equal access to healthcare but can also have severe consequences for the health and well-being of older Australians. Loss of independence: unwanted assistance Many older Australians find their independence undermined by well-meaning but misguided attempts to help. About 21% of those over 50 report people insisting on doing things for them that they are capable of doing themselves. This can lead to a loss of confidence and a sense of helplessness, even when seniors are fully capable of managing their own affairs. Social isolation: going it alone Ageism can lead to social isolation, with 28% of those over 50 saying they have been ignored or made to feel invisible due to their age. This invisibility can occur in social settings, public spaces or even within families. Social isolation not only impacts mental health but can also lead to physical health issues and a decreased quality of life. Technological exclusion: the digital divide In our increasingly digital world, ageism manifests in assumptions about older adults' ability to use technology. About 36% of those over 50 say people have assumed they cannot understand or learn new technology. This stereotype can lead to exclusion from digital services, information and social connections, further isolating older Australians in a tech-driven society. Workplace issues: feeling out of place Even for those who remain in the workforce, ageism can create a hostile environment. A quarter of Australians in their 50s and 60s report feeling too old for their work. This sentiment can lead to decreased job satisfaction, lower productivity, and even early retirement, depriving workplaces of valuable experience and knowledge. What to do about it To combat ageism in Australia, a multi-faceted approach is necessary. This includes launching education and awareness campaigns to challenge stereotypes, implementing intergenerational programs to foster positive interactions between age groups, and introducing workplace initiatives to promote age-inclusive practices. Policy and legislative changes are crucial to strengthen anti-discrimination laws, while improved media representation can help shift societal perceptions. Empowering older adults through self-advocacy and promoting active ageing can showcase the valuable contributions of seniors. In healthcare, training professionals to avoid ageist practices is essential. Ongoing research and data collection will inform evidence-based interventions, and promoting positive self-perceptions of ageing can help individuals challenge their own ageist beliefs. Addressing these issues requires a societal shift in attitudes towards ageing, policy changes to protect older Australians, and increased awareness of the valuable contributions seniors make to our communities. By implementing these strategies across various sectors, Australia can work towards creating a more age-inclusive society that values and respects individuals of all ages. Only by combatting ageism can we ensure that all Australians, regardless of age, can live with dignity, respect and full participation in society. Image: Shutterstock

Retirement Life

"So Australian": Local trust praised for response to illegal tree cutting

A resident's decision to cut down a tree for a better view of Sydney Harbour has backfired after a sign was erected where the tree once stood, to condemn tree vandalism. Following multiple reports of resident carrying out tree vandalism along affluent streets, the Sydney Harbour Federation Trust has called out the behaviour by setting up the sign in the Sydney lower North Shore suburb of Woolwich. "Tree vandalism has occurred in this area," the sign read. "The Sydney Harbour Federation Trust protects and manages this land for the enjoyment of the public. "Acts of vandalism like this deprive all of us of the natural environment." The sign also warned that offenders could be subject to fines and/or prosecution as punishment, and urged those who notice any suspicious activity to contact 8969 2100. After an image of the sign was shared to a Sydney group on social media, the local trust's actions have been praised, with many saying they "loved how petty this is" and one even declaring the response "so Australian". "I hope they keep this sign, as a reminder to anyone contemplating doing something similar," one commented. "We're petty but we have a right to be. You don't f**n poison or cut down trees. F**n unacceptable behaviour," another added. Others accused the person who cut down the tree of being "entitled". In last November alone, over 300 native trees and shrubs vanished in front of multi-million dollar homes along the Sydney Harbour waterfront strip. Lane Cove Council believe that hand tools were used to silently cut down the trees, which impacts plants, and local wildlife including wallabies, possums and dozens of other species. On Monday, the council put out a statement saying its "pursuit of justice" is now ramping up, referring to the incident as "the largest tree vandalism case in Lane Cove’s recent history". They are trying to obtain permission to put up a sign to block "the harbour view of the property which would most benefit from the mass clearing of the trees." "As the area is classified as a Threatened Ecological Community and contains some items of Aboriginal Heritage, it was important the appropriate approvals were in place before installing the signage," the council added. "The legal case and banner installation are important steps in our commitment to seeking the strongest possible recourse response to send a message that we stand tall against tree vandalism." Images: Reddit

Legal

11-year-old Australian girl identified as London stabbing victim

The Department of Foreign Affairs and Trade (DFAT) has confirmed that the 11-year-old girl stabbed in Leicester Square in London on Monday is Australian. “Owing to our privacy obligations we cannot provide further comment,” a DFAT spokesperson said. The girl's mother, 34, was initially believed to have also been hurt, but UK police have confirmed that blood from her daughter's injuries had been mistaken for injuries of her own. The young girl was taken to hospital with serious but not life threatening injuries to the face, shoulder, wrist and neck area, and will require plastic surgery for the injuries she sustained. The DFAT are providing consular assistance to the pair reportedly from NSW, according to the ABC. A 32-year-old man, Ioan Pintaru, was arrested and appeared in court on Tuesday charged with the attempted murder. The girl and her mother were visiting the busy tourist area at the time of the random attack. Pintaru is a Romanian citizen with no fixed address, and spoke through a translator during the court hearing. Prosecutor David Burns told the court: "the defendant has approached the 11-year-old girl, placed her into a headlock and he has then stabbed her eight times to the body." Pintaru was detained by members of the public and allegedly found with a steak knife. Abdullah, a security who was working nearby during the random attack said he “heard a scream” before tackling the alleged offender to the ground. “I just saw a kid getting stabbed and I just tried to save her. It’s my duty to just save them,” he told the Press Association. “I jumped on him, held the hand in which he was [carrying] a knife, and just put him down on the floor and just held him and took the knife away from him.” He performed CPR on the child before emergency services arrived at the scene. Police have said that Pintaru did not know the girl or her mother and do not believe the stabbing was terror-related. Pintaru was remanded in custody and is due to appear in court again on September 10. Images: 9News

Caring

Your legacy. Their future. Will you be the difference in an uncertain world?

Connection. Safety. Friendship. Family. When you <a href="https://www.redcross.org.au/donate-funds/bequest/pass-it-on/will-planning-checklist-social/?utm_medium=digital&utm_source=edm&utm_campaign=bequests&utm_content=over60s" target="_blank" rel="noopener">leave a gift in your Will for Australian Red Cross</a>, there’s no end to the difference you can make. Just ask Elsie. At 95 years old, Elsie has been transformed by weekly visits from Fiona, her Red Cross volunteer. For Fiona, her visits to see 95-year-old nursing home resident Elsie quickly turned into a family affair. "My children, Tom and Meg, have become very attached to her and vice versa. They're like, 'Are you going to see Elsie, can we come too?' They see how lovely it is to be kind to someone like Elsie," says Fiona. "Elsie tells me, 'You're my special family.'" Fiona's dog, Mia, is even a regular visitor at the Tasmanian nursing home. "Mia's like a celebrity. All the residents love her." The family marks all the big milestones with Elsie, like Christmas Day when they brought her home for a special morning tea. "When she turned 95 in December, we took her to a café. She said that was the best birthday she'd had for a long time." <img src="https://oversixtydev.blob.core.windows.net/media/2024/08/RedCross_01.jpg" alt="" width="1280" height="720" /> Elsie celebrating her birthday with Fiona's children, Tom and Meg. It is very much a two-way friendship, says Fiona. "I wasn't expecting it to be like that. I thought it was going to be more me doing lots of things for Elsie. But she gives back a lot." Like when Fiona's daughter, Meg, didn't pass her driver's license test. "Meg was quite upset. Elsie goes to her, 'That's why they invented pencils with rubbers at the end. They are there for you to rub out your mistakes, and then you can have another go.' "She's wise. She gives them little bits of advice and words of wisdom, and they listen to what she says … I can't believe she's 95 years old. Her mind is so unbelievably sharp." Fiona says that, lately, Elsie has not been as mobile as she was, and so they often spend their time together at the nursing home. "We find a nice spot and have a cuppa … She likes telling stories about her life. She talks a lot about her husband, her upbringing, people she's met. "Often, I'll bring her some magazines, or she will have asked me to get some stamps. And my kids have been great with her with technology, how to do this and how to do that. "We chat with other residents as well. Even though Elsie's our person, there are other people we've got to know. She introduces us as 'This is my family.'" Fiona says the first time they met, she and Elsie discovered they had much in common. They both grew up in the same country town and had travelled around Australia managing hotels. They care a lot about each other, she says. "I think it's given her more of a will to live. That sounds pretty deep, but I know how much she looks forward to seeing us; it's giving her more purpose in life. "Elsie always says, 'You make me feel so happy. I love seeing you, it's such a highlight.' I say it back to her because it's the same for me, 'I get so much joy out of seeing you.'" Fiona says she hopes her story inspires other people to volunteer, too. Your generosity, captured in your Will, can help fund programs like our Aged Care Volunteer Visitors Scheme and foster social connections like Elsie and Fiona’s. The program supports more than 1000 participants across the country with the majority between the ages of 78 and 89. Everybody deserves the warmth of kindness and friendship, and your Will can help Australian Red Cross share that with people for generations to come. <a href="https://www.redcross.org.au/donate-funds/bequest/pass-it-on/will-planning-checklist-social/?utm_medium=digital&utm_source=edm&utm_campaign=bequests&utm_content=over60s" target="_blank" rel="noopener"><img src="https://oversixtydev.blob.core.windows.net/media/2024/08/RedCross_02_wQRCode.jpg" alt="" width="1280" height="638" /></a> If you would like a free <a href="https://www.redcross.org.au/donate-funds/bequest/pass-it-on/will-planning-checklist-social/?utm_medium=digital&utm_source=edm&utm_campaign=bequests&utm_content=over60s" target="_blank" rel="noopener">Will Planning Checklist</a>, or more information, our <a href="mailto:litran@redcross.org.au" target="_blank" rel="noopener">Gifts in Wills Specialist</a> would love to help. You <a style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;" href="mailto:litran@redcross.org.au" target="_blank" rel="noopener">get in touch here</a> or call 1800 733 276. All images: Supplied. This is a sponsored article produced in partnership with Australian Red Cross.

Caring

Woman banned for life from airline for bizarre reason

A woman has recalled the moment she was told by a major airline that she has been placed on the no-fly list for a very strange reason. Erin Wright, a 24-year-old from the US, was travelling to her sister's bachelorette party in New Mexico and was preparing to board her flight from New Orleans with American Airlines. When she kept running into errors online as she tried to check into the flight, she headed to the airport to sort out the issue, only to be told she was allegedly banned from the airline for life for “having sexual relations with a man on a flight while intoxicated”. The ban came as a shock for one key reason. “I am a 24-year-old lesbian. You see me. Am I having sexual relations with any man? No,” Erin laughed in her now viral TikTok. <div class="embed" style="font-size: 16px; box-sizing: inherit; margin: 0px; padding: 0px; border: 0px; vertical-align: baseline; outline: currentcolor !important;"><iframe class="embedly-embed" style="box-sizing: inherit; margin: 0px; padding: 0px; border-width: 0px; border-style: none; vertical-align: baseline; width: 600px; max-width: 100%; outline: currentcolor !important;" title="tiktok embed" src="https://cdn.embedly.com/widgets/media.html?src=https%3A%2F%2Fwww.tiktok.com%2Fembed%2Fv2%2F7400894263237610794&display_name=tiktok&url=https%3A%2F%2Fwww.tiktok.com%2F%40erin_wright_%2Fvideo%2F7400894263237610794%3Fembed_source%3D121374463%252C121451205%252C121439635%252C121433650%252C121404359%252C121351166%252C121331973%252C120811592%252C120810756%253Bnull%253Bembed_name%26refer%3Dembed%26referer_url%3Dwww.news.com.au%252Ftravel%252Ftravel-updates%252Fincidents%252Fwomans-shock-after-she-was-banned-or-life-by-airline%252Fnews-story%252F98c05daffea9ff538dd05bbbbaca556b%26referer_video_id%3D7401685057980681514&image=https%3A%2F%2Fp19-sign.tiktokcdn-us.com%2Fobj%2Ftos-useast5-p-0068-tx%2FoYgBZAELUrpiZizB94QiB6qSIPFE1CosQNYUi%3Flk3s%3Db59d6b55%26nonce%3D34496%26refresh_token%3D518d47d36cd3175f1d18f1fd75262373%26x-expires%3D1723770000%26x-signature%3DPnErCHWVNghfrjSQPdFIU5OLZu4%253D%26shp%3Db59d6b55%26shcp%3D-&key=59e3ae3acaa649a5a98672932445e203&type=text%2Fhtml&schema=tiktok" width="340" height="700" frameborder="0" scrolling="no" allowfullscreen="allowfullscreen"></iframe></div> She said the gate staff couldn’t tell her why she was black-listed and it wasn’t until three weeks later the reason was revealed after several back and forth emails. “I got to the airport an hour and a half early, I went to the kiosk and asked them to check me in and they were really nice,” Erin explained in the clip that's amassed 2.6 million views. The airport staff then spent the next 10 minutes on the phone to try and work out the problem, while Erin was “freaking out” that she was going to miss her flight. “She gets off the phone and looks nervous. She said ‘ma’am I am really sorry to tell you this but you have actually been banned from flying American Airlines’,” Erin claimed. A confused Erin demanded to know the reason but the employee couldn’t disclose the information saying it was an issue of “internal security”, recalling in her video, “I was like, ‘what?’ because I’ve never done anything. ‘What did I get banned for, can you tell me?’” “I realised I am going to miss my [United Airlines] flight and luckily I booked another $1,000 round trip flight to New Orleans [with a different airline].” A few weeks after her trip and after several emails to the airline, they revealed that the reason she was banned, as Erin said, “I get an email from cooperate security telling me I am banned because I had sexual relations with a man on a flight while intoxicated.” “It took 12 days and many emails from me between when I contacted customer relations to when I actually got an email back.” She remained on the no-fly list and had to file an official appeal, as advised by corporate security. “I email them a very serious email, but also somewhat funny, because in it I am like ‘I don’t really know how to prove it wasn’t me except for the fact that I am literally a lesbian’," she said. “I can like get you letters from other people telling you that that’s the truth.” After three months, Erin said she was refunded the money for her flight and was taken off the no-fly list. In a follow up video, Erin said it has been a “super upsetting experience” adding she wasn’t compensated for the extra flight she had to book “because of their error”. Image credits: TikTok / Shutterstock

Travel Trouble

Pet cat lost in the outback ends in purr-fect reunion months later

A beloved pet cat who went missing in the South Australian outback while on a road trip with his owner has been miraculously returned to his family months later. In June, Murry Rantall was travelling from Warnambook Victoria to Darwin in a caravan when he made a pit stop on the Stuart Hwy so his Burmese cat Raj could use the litter box. Rantall went for a walk and came back assuming that his 14-year-old feline friend was still inside so he drove off. It wasn't until 200km later, when he went to check on Raj, that he realised the cat was missing. “I was just about bawling … I knew he was in trouble,” Rantall said. Rantall who had recently lost his wife said that Raj was the only loved one he had left at home. “We were sort of looking after each other more or less,” Rantall said. He turned back to search for Raj, and even had his daughter, Katrina drive from Victoria to South Australia to help find the cat, but they had no luck. The feline was lost but not fur-gotten as Rantall's children put up Facebook posts about Raj missing in the South Australian outback. Two months later, the outback cat-astrophe ended with the purr-fect homecoming when Raj was found in Port Augusta, about 50km from where he ran away. Raj was found in Milla Dey’s backyard on Thursday, August 8. “I just saw that he was there and covered in prickles. We got him some food and water and he spent probably 15 to 20 minutes just eating,” Dey said. He was taken to a local vet to scan his microchip, but the details were outdated. Locals managed to track down Rantall's family on social media after seeing the Facebook posts about Raj, and they were reunited over the weekend. Rantall said Raj had lost a lot of weight but was content to be back in his arms. “We’ll feed him up, he’ll be all right,” Rantall said. Port Augusta City Council animal control officer Kylie McKerlie said the reunion was thanks to the care and dedication of the local community. “It’s just a really good town and a really good feeling for everyone,” she said. Rantall also thanked everyone who helped saying, “it’s unbelievable, the help I’ve had.” Images: 7News

Family & Pets

Retirement tips for Australians without a full superannuation safety net

Most people who commenced paid work before the 1992 launch of compulsory employer contributions won’t have enjoyed money going into their retirement fund for the full duration of their working lives. Others have spent most or all of their adult lives as caregivers – stay-home parents, carers for elderly parents or relatives living with disability. Unquestionably valuable work, yet sadly unpaid – meaning no superannuation. Then there other factors impacting retirement savings – the gender pay gap, periods of unpaid leave, unemployment, working abroad, being a low income earner and more. So don’t think you are alone if you don’t have enough in superannuation for a comfortable retirement. Consider the following options to fall back on instead of, or as well as, your super: Age pension This is the most obvious alternative. What fewer realise, though, is that you may still be eligible for a part-pension, even if your assets exceed the eligibility threshold for the full amount. Claiming a part-pension will stretch what super you do have further. Plus, the related concession card entitles you to a range of discounts, reducing your living costs. Don’t overestimate the value of your assets under the pension means test – potentially denying yourself a legitimate source of income. Semi-retirement Consider transitioning to part-time work instead of retiring outright, allowing you to reduce your workload while still generating both income and employer contributions into your super. This could include self-employment – many retirees begin building a business out of their hobby or do paid consulting work within their industry (often a much higher hourly rate than as a permanent employee). Your home If you own your home, chances are you are sitting on a pile of equity. Yes, you would need to sell and move in order to unlock those funds. But it’s tax-free money. And it can be as much of a lifestyle opportunity as a financial one: downsize to a home with less maintenance needs; relocate nearer to grandkids; enjoy a seachange or treechange. Downsizer provisions also allow you to contribute a chunk of the proceeds into your superannuation over-and-above voluntary contribution caps. Investments Certain investments can deliver a lucrative passive income stream, which you can use in lieu of – or alongside – income from super. Think investment property rents, share dividends, even renting out your car/caravan/boat when you’re not using it. Or you could sell investments you own and use the proceeds to top up your super, which is typically more tax effective than holding as cash. Family business/trust If you have a family business or family trust, you may be able to draw down a regular income from it if structured correctly. Doing so over time from operating profits/investment returns, rather than as a lump sum, means a trust can continue as normal without being forced to sell assets or be wound up, while a business can continue trading under family ownership without the remaining directors having to find the cash to buy out your share (though this may be another option to explore with them). Living costs Your living costs are quite different in full-time retirement compared to full-time work. Goodbye to many commuting, clothing, personal grooming, professional development, registration/certification, lunches and coffees, and work-from-home expenses. Hello to greater energy bills (more time at home and no more remote working tax deductions), travel and lifestyle spending. Don’t overlook the power of updating your household spending and investments plan to reflect this new reality, cancel work-related outgoings and cut unnecessary spending. Timing Perhaps the most far-reaching, yet most commonly overlooked, aspect around retirement is timing. For instance: <ul> <li>the later in the financial year you retire, the more employment income you have accrued – potentially pushing you into a higher tax bracket and ballooning your tax bill.</li> <li>the proceeds from investments differ depending on when in the market cycle you sell them.</li> <li>retiring early may reduce employment bonuses, leave payouts, share option entitlements etc.</li> <li>both spouses/partners retiring simultaneously may reduce overall employment earnings, while conversely unlocking greater opportunities to do things together (like travel, shared hobbies, visiting family).</li> </ul> A qualified financial adviser can help you work through your various options and alternatives, allowing you the peace of mind to enjoy your golden years comfortably – whether that is with or without superannuation. Helen Baker is a licensed Australian financial adviser and author of On Your Own Two Feet: The Essential Guide to Financial Independence for all Women. Helen is among the 1% of financial planners who hold a master’s degree in the field. Proceeds from book sales are donated to charities supporting disadvantaged women and children. Find out more at <a href="http://www.onyourowntwofeet.com.au/">www.onyourowntwofeet.com.au</a> Disclaimer: The information in this article is of a general nature only and does not constitute personal financial or product advice. Any opinions or views expressed are those of the authors and do not represent those of people, institutions or organisations the owner may be associated with in a professional or personal capacity unless explicitly stated. Helen Baker is an authorised representative of BPW Partners Pty Ltd AFSL 548754. Image credits: Shutterstock

Retirement Income

Antarctic heat, wild Australian winter: what’s happening to the weather and what it means for the rest of the year

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/martin-jucker-379172">Martin Jucker</a>, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a> Australia’s south and east have seen <a href="https://theconversation.com/southern-australia-is-freezing-how-can-it-be-so-cold-in-a-warming-climate-233977">freezing temperatures</a> and <a href="https://www.theguardian.com/australia-news/article/2024/jul/29/australia-winter-weather-forecast-east-coast-colder-records">wild weather</a> this winter. At the same time, the continent as a whole – and the globe – have <a href="https://www.abc.net.au/news/2024-08-03/australia-suffers-cold-winter-weather-despite-mild-forecast/104176284">continued to warm</a>. What’s going on? As ever, it’s hard to pinpoint a single cause for weather events. But a key player is likely an event unfolding high above Antarctica, which itself may have been triggered by a heatwave at surface level on the frozen continent. Here’s what’s happening – and what it might mean for the rest of this year’s weather. <h2>When the stratosphere heats up</h2> Out story begins in the cold air over Antarctica. July temperatures in the stratosphere, the layer of air stretching between altitudes of around 10 and 50 kilometres, are typically around –80°C. The winds are also very strong, averaging about 300 kilometres per hour in winter. These cold, fast winds loop around above the pole in what is called the <a href="https://sites.krieger.jhu.edu/waugh/research/polarvortex">stratospheric polar vortex</a>. Occasionally, persistent high air pressure in the lower atmosphere can influence large-scale waves that extend around the globe and up into the stratosphere. There they cause the strong winds to slow down, and the air high above the pole to become much warmer than normal. In extreme situations the stratospheric winds can completely break down, in what is called a “sudden stratospheric warming” event. These events occur every few years in the northern hemisphere, but only one has ever been observed in the south, in 2002 (though another <a href="https://theconversation.com/the-air-above-antarctica-is-suddenly-getting-warmer-heres-what-it-means-for-australia-123080">almost happened in 2019</a>). <h2>Pushing polar weather our way</h2> Once the polar vortex is disturbed, it can in turn influence the weather at the surface by steering weather systems from the Southern Ocean towards the Equator. However, this is a slow process. The impact at the surface may not be felt until <a href="https://doi.org/10.1175/JCLI-D-22-0425.1">a few weeks or even months</a> after the initial weakening of the stratospheric polar vortex. Once it begins, the stratospheric influence can prevail for more weeks or months, and helps meteorologists make <a href="https://doi.org/10.5194/acp-22-2601-2022">long-range weather forecasts</a>. In climate science terms, the weak stratospheric winds put an atmospheric system called the <a href="http://www.bom.gov.au/climate/sam/">Southern Annular Mode</a> into a negative phase. The main effect of this on surface weather is to bring westerly winds further north. In winter, this means polar air outbreaks can reach places like Sydney more easily. As a result, we see more <a href="https://doi.org/10.1175/JCLI4134.1">rain over much of southern Australia</a>, and snowfall in alpine regions. In spring and summer it means westerly winds blow over the continent before reaching the east coast, bringing warm and dry air to southeastern Australia. The exact impact of a weaker polar vortex depends on how much and for how long the weather systems are being pushed further northward. It will also depend on other weather influencers such as El Niño and the Indian Ocean Dipole. <h1>This winter’s weirdness</h1> Unpicking exactly why any weather event occurs is tricky at the moment, because global weather has been absolutely crazy over the past 12 months or so. Global temperatures are <a href="https://theconversation.com/we-just-blew-past-1-5-degrees-game-over-on-climate-not-yet-213364">much higher than usual</a>, which is making unusual weather very common. But there are indications that the stratosphere is having some influence on our weather this winter. The stratospheric polar vortex started to warm in mid-July, and is about 20°C warmer than the long-term average. At the time of writing, the winds slowed down to about 230 kilometres per hour, 70 kilometres per hour slower than average. These numbers mean that, technically, the event does not qualify as a sudden stratospheric warming. However, further warming may still occur. If we look at how southern hemisphere winds have evolved in the past few weeks, we see a pattern which looks like what we would expect from a sudden stratospheric warming. First, we see warming in the stratosphere which is <a href="https://doi.org/10.1029/2021GL095270">at first accompanied by a poleward shift of weather systems</a>. The stratosphere’s influence then propagates downward and seems to <a href="https://doi.org/10.1175/JCLI-D-22-0425.1">induce many weeks</a> of weather systems shifted towards the equator. This coincides with the period of cold and rainy weather along Australia’s east coast in late July and the beginning of August. Forecasts suggest the Southern Annular Mode will be a long way from normal conditions in the first half of August – four standard deviations below average, which is extremely rare. <figure class="align-center zoomable"><a href="https://images.theconversation.com/files/611211/original/file-20240804-19-sp862a.png?ixlib=rb-4.1.0&q=45&auto=format&w=1000&fit=clip"><img src="https://images.theconversation.com/files/611211/original/file-20240804-19-sp862a.png?ixlib=rb-4.1.0&q=45&auto=format&w=754&fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/611211/original/file-20240804-19-sp862a.png?ixlib=rb-4.1.0&q=45&auto=format&w=600&h=300&fit=crop&dpr=1 600w, https://images.theconversation.com/files/611211/original/file-20240804-19-sp862a.png?ixlib=rb-4.1.0&q=30&auto=format&w=600&h=300&fit=crop&dpr=2 1200w, https://images.theconversation.com/files/611211/original/file-20240804-19-sp862a.png?ixlib=rb-4.1.0&q=15&auto=format&w=600&h=300&fit=crop&dpr=3 1800w, https://images.theconversation.com/files/611211/original/file-20240804-19-sp862a.png?ixlib=rb-4.1.0&q=45&auto=format&w=754&h=377&fit=crop&dpr=1 754w, https://images.theconversation.com/files/611211/original/file-20240804-19-sp862a.png?ixlib=rb-4.1.0&q=30&auto=format&w=754&h=377&fit=crop&dpr=2 1508w, https://images.theconversation.com/files/611211/original/file-20240804-19-sp862a.png?ixlib=rb-4.1.0&q=15&auto=format&w=754&h=377&fit=crop&dpr=3 2262w" alt="Diagram showing atmospheric warming and winds" /></a><figcaption>How initial warming high in the stratosphere ends up changing winds near the surface and pushing polar weather further north. <a class="source" href="https://stratobserve.com">Z.D. Lawrence / StratObserve / Annotated by Martin Jucker</a></figcaption></figure> <h1>A surface disturbance</h1> The main reason for the polar vortex to slow down is disturbances from the surface. Weather over the Amundsen Sea near Antarctica in the South Pacific is <a href="https://doi.org/10.1175/JCLI-D-22-0425.1">an important source</a> of these disturbances. This year, we have seen disturbances of this sort. There have been <a href="https://www.theguardian.com/world/article/2024/aug/01/antarctic-temperatures-rise-10c-above-average-in-near-record-heatwave">near-record surface temperatures around Antarctica</a>. These disturbances may be due to the globally high ocean temperatures, or even lingering effects of the <a href="https://doi.org/10.1175/JCLI-D-23-0437.1">eruption of the Hunga Tonga volcano in 2022</a>. But more research will be required to confirm the causes. <h1>What should we expect for the rest of the year?</h1> There are two pathways until the end of the year. One is that the stratospheric winds and temperatures recover to their usual values and no longer influence surface weather. This is what the forecasts from <a href="https://ozonewatch.gsfc.nasa.gov">Ozone Watch</a> seem to suggest. Another is that the stratosphere keeps warming and the winds keep being slower all the way into summer. In this scenario, we would expect a persistent negative Southern Annular Mode, which would mean a spring and potentially even summer with warmer and drier than usual weather over southeastern Australia, and a small ozone hole. The seasonal forecasting models from the European Centre for Medium Range Weather Forecasts <a href="https://x.com/drahbutler/status/1819142206348759170?s=46&t=sayfGwpo3_s310BwYpcdcQ">seem to favour this second scenario</a>. <a href="https://theconversation.com/profiles/martin-jucker-379172">Martin Jucker</a>, Senior Lecturer in Atmospheric Science, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a> Image credits: Shutterstock 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/antarctic-heat-wild-australian-winter-whats-happening-to-the-weather-and-what-it-means-for-the-rest-of-the-year-236067">original article</a>. </div>

Travel Trouble

Last Australian 'Rat of Tobruk' dies age 102

Thomas Pritchard, Australia's last "Rat of Tobruk" has passed away at the age of 102. Pritchard was part of the famous garrison who held the eponymous Libyan port against a furious Nazi siege in World War II. The Rats of Tobruk Association announced Pritchard's death on Saturday, honouring his service to his country. "Tommy was a stalwart member of our association and a most humble veteran, having served with the 2/5th field ambulance throughout the Middle East and the South West Pacific," the association wrote in a post. "We as an Association are extremely grateful to have had Tommy for so long yet we mourn his loss and the last direct linkage with some 14,000 Australian servicemen who served in Tobruk." The post added that Pritchard would be farewelled in a private family funeral, as was Tommy's wishes. However, they added that a public memorial for all Rats of Tobruk will take place in Melbourne, with the date yet to be confirmed. The Rats of Tobruk were an Allied garrison of about 26,000 soldiers, including 14,000 Australians, commanded by Australian Lieutenant-General Leslie Morehead. They were besieged by the Nazi Afrika Korps, comprised of German and Italian troops, from April 10th to November 27th 1941. The Africa Korps, under the leadership of Nazi general Erwin Rommel, had never known defeat, until he faced the Rats for 231 days, who denied Rommel a port on the Libyan coast as the Nazis were unable to take control of Tobruk. The nickname came from American-born Nazi propagandist William Joyce, who, when he heard the Allied soldiers were taking cover in the pre-existing below-ground defences of the city, derided them as living like "rats". However, Aussies took the nickname with pride as they celebrated their victory. Image credits: Rats of Tobruk Association

Caring

What is ‘slot hoarding’ – and is it locking out regional airlines like Rex?

<div class="theconversation-article-body"> <a href="https://theconversation.com/profiles/doug-drury-1277871">Doug Drury</a>, <a href="https://theconversation.com/institutions/cquniversity-australia-2140">CQUniversity Australia</a> It’s been a depressing year for regional aviation. Rex Airlines has just become the second Australian airline to go into voluntary administration this year, after Bonza’s collapse in April. Is Qantas’ chief executive Vanessa Hudson right – that there simply <a href="https://www.smh.com.au/business/companies/australia-can-t-sustain-more-than-three-airlines-says-qantas-boss-20240714-p5jtlo.html">aren’t enough passengers</a> in Australia to support more than three airlines? That’s certainly a convenient narrative for the members of our domestic airline duopoly, Qantas and Virgin Australia, who now face even less competition. Or did Rex fall victim to other airlines’ strategic management to limit the number of airport slots available to them to successfully fly between the capital cities? This practice is known as “slot hoarding”. On Thursday, the former chair of the the Australian Competition and Consumer Commission (ACCC), Rod Sims, seemed to think so, <a href="https://www.theguardian.com/australia-news/article/2024/aug/01/rex-airlines-administration-qantas-virgin">telling ABC radio</a>: <blockquote> The government outsources the management of the slots at Sydney airport to a company that’s majority-owned by Qantas and Virgin, it is just unbelievable. </blockquote> It’s certainly not a new allegation. <a href="https://www.theguardian.com/business/2023/jun/06/rex-and-bonza-call-for-immediate-overhaul-of-sydney-airport-laws-to-increase-competition">Rex</a>, <a href="https://www.theguardian.com/business/2023/jun/06/rex-and-bonza-call-for-immediate-overhaul-of-sydney-airport-laws-to-increase-competition">Bonza</a>, and the <a href="https://www.afr.com/companies/transport/accc-warns-sydney-airport-slots-manager-has-conflicts-of-interest-20231220-p5espy">ACCC</a> have all previously raised concerns. So how exactly do airline slots work, and does the system need reform? <h2>What are slots?</h2> Back in the 1970s, the International Air Transport Association (IATA) developed the airline slot system to reduce airport congestion. The aim was to improve the traffic flow during peak travel times at “level 3” high traffic density airports – a category that includes Sydney and Melbourne. Under the system, airlines are allocated a daily number of slots they can use. Importantly, there is a set amount of slots available, as they represent specific time windows for aircraft to take off or land. Airlines <a href="https://doi.org/10.1016/j.trb.2018.04.005">schedule</a> their slots ahead of time as part of a yield management program. This plan looks across the whole calendar year, taking into account projected peak and off-peak travel times for business and leisure travellers. An airline owns the time slot it is designated by the <a href="https://doi.org/10.1016/j.trb.2018.04.005">airport infrastructure</a> capacity, whether it gets used or not. The IATA system relies on what’s called the “<a href="https://australianaviation.com.au/2024/02/80-20-rule-looks-to-survive-government-overhaul-of-sydney-slots/#:%7E:text=Currently%2C%20an%20airline%20can%20keep,calls%20it%20%E2%80%9Ctoo%20generous%E2%80%9D.">80/20 rule</a>”, which states an airline must use 80% of its allocated slots or it will loose its unused slots. The 20% is a buffer. But it has been <a href="https://australianaviation.com.au/2024/02/80-20-rule-looks-to-survive-government-overhaul-of-sydney-slots/">criticised</a> as overly generous. Airlines can also <a href="https://www.sciencedirect.com/science/article/pii/S1000936123002340">buy sell or lease</a>, slots they are not using due to slow demand or the need for financial gain. These can sell for <a href="https://simpleflying.com/biggest-airport-slot-deals-list/">huge sums</a>. <h2>Can slots be hoarded?</h2> Broadly speaking, slot hoarding is the practice of booking slots for use only to cancel them in bad faith, preventing other airlines from getting access to premium travel times. In June last year, Rex’s then-deputy-chairman John Sharp <a href="https://www.theguardian.com/business/2023/jun/06/rex-and-bonza-call-for-immediate-overhaul-of-sydney-airport-laws-to-increase-competition">accused Qantas</a> of engaging in the practice: <blockquote> It’s as plain as the nose on your face that Qantas is hoarding slots by cancelling sufficient flights to remain within the 80/20 rule. </blockquote> Slot availability is a particular <a href="https://www.afr.com/companies/transport/accc-warns-sydney-airport-slots-manager-has-conflicts-of-interest-20231220-p5espy">issue for Sydney Airport</a>, because takeoffs and landings are capped at 80 per hour. Sydney Airport Corporation’s executive general manager of aviation, Robert Wood, as well as the airport’s then-chief-executive Geoff Culbert also both expressed <a href="https://www.abc.net.au/news/2023-11-21/airlines-qantas-virgin-slot-hoarding-solving-problems/103110390">serious concerns</a> about slot use last year. In February this year, the federal government unveiled a <a href="https://minister.infrastructure.gov.au/c-king/media-release/reforming-sydney-airport-slots-boost-efficiency-competition-and-consumers-outcomes">range of reforms</a> for Sydney airport’s slot system. These included requirements for increased transparency on how slots are used, and new independent audits. Notably though, the government made <a href="https://australianaviation.com.au/2024/02/80-20-rule-looks-to-survive-government-overhaul-of-sydney-slots/">no change</a> to the 80/20 rule. <h2>What needs to change?</h2> A number of further reforms could help make the airport system friendlier to new entrants and more equitable. One possibility is to sell a predefined number of slots to the major participating airlines. Airlines would have to make a business case outlining their proposed needs over the next calendar year. Currently, airlines request slots from the airport slot management team at no cost to the airline, a system which favours established airlines that have met the 80/20 rule. But a key criticism of this proposal is that the cost of purchasing slots <a href="https://www.abc.net.au/news/2023-11-21/airlines-qantas-virgin-slot-hoarding-solving-problems/103110390">would be passed down</a> to the flying public, likely resulting in higher airfares. Bidding for slots would also add new cost barriers to entry for would-be startup challengers. Another possibility is to look at <a href="https://doi.org/10.1287/trsc.2019.0926">slot allocation based on fairness</a>, measuring an airline’s needs against airport infrastructure. Airlines that had historically used 80% of their allocated slots would be given priority bidding on up to 50% of the following year’s total airport slot allocation. The remaining 50% of slots could be prioritised for new airlines without an established history, with the goal of awarding them take off and landing times that aren’t necessarily premium, but close enough. Airlines that didn’t achieve this 80% target or were found to be abusing the slot hoarding rules would be removed from the top-tier fairness status and placed in a slot allocation “sin bin” until their performance measures were brought up to standards. Australia has challenges ahead for domestic flights that are already at capacity. Government reforms that provide better oversight of airport usage of the 80/20 rule could help mitigate the risk of anti-competitive behaviour. Australian airlines have the right to compete without feeling unfairly held back, and we as consumers have the right to reasonable airfares. <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/235960/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/doug-drury-1277871">Doug Drury</a>, Professor/Head of Aviation, <a href="https://theconversation.com/institutions/cquniversity-australia-2140">CQUniversity Australia</a> Image credits: Shutterstock 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-is-slot-hoarding-and-is-it-locking-out-regional-airlines-like-rex-235960">original article</a>. </div>

Travel Trouble

"Heartbroken": Sacked Rex Airlines hostess speaks out

A “devastated” and “heartbroken” Rex Airlines flight attendant has spoken out after the regional airline entered <a href="https://oversixty.com.au/travel/travel-trouble/aussie-airline-s-shock-collapse" target="_blank" rel="noopener">voluntary administration</a>. Following the shock decision, 350 staff from the airline were made redundant and told they would not be paid any wages or redundancy packages for months. While many frustrated travellers took to Rex's Facebook page to complain about their flights being cancelled at the last minute with no notice, one cabin crew member called for calm and understanding. Air hostess Layla Rackley issued a reality check in the comments, writing, “I know this is so frustrating but the Rex staff, including myself, have lost our jobs very unexpectedly and we are all heartbroken.” “I hope your flights get sorted.” Another Rex flight attendant Makayla Meagher said on social media that she was “devastated” and it was something she thought would never have happened. “Im so grateful for all the friends i have made along the way,” she said. “Please keep Rex staff in your prayers.” Administrator Sam Freeman said regional flights were unaffected and would continue to operate, but domestic 737 services were grounded. “Virgin Australia are offering impacted Rex passengers free of charge rebooking,” he said. In the wake of the airline's collapse, competing Aussie airline Virgin wrote on their website, "Virgin Australia is also offering support to Rex employees who may be impacted by today’s announcement." "People whose employment has been affected should visit the expression of interest form on our website to apply for open positions." Image credits: Shutterstock / Instagram

Travel Trouble

Aussie airline's shock collapse

Australia's third largest airline Regional Express, better known as Rex, has entered voluntary administration. The airline will ground all its Boeing 737 jets and cease flying immediately between Australia’s major cities, as Rex struggled to compete with Qantas and Jetstar for customers. In response to the cancellation, Virgin has said it will allow Rex customers with tickets on 737 flights to transfer them to its services. Rex began connecting major cities during the pandemic, but was unable to keep up with other airlines who were more known for servicing Aussie capital cities. While flights to major cities with Rex will cease, the airline confirmed that its flights to and from regional cities, which use smaller Saab 340 turboprops, will continue as normal. The airline currently serves 56 destinations around Australia, many of them remote. In response to the cancelled flights, Qantas and Virgin Australia shared a statement saying they were “sad” for the “difficult” day. “This is a challenging day for our industry and we are sad to see Rex enter voluntary administration with the immediate suspension of its Boeing 737 operations,” a spokesperson for Qantas said. “We know this will be a difficult period for many Rex customers and employees and we stand ready to assist.” The spokesperson said Rex customers impacted by cancelled flights due to the grounding of their domestic jet services can contact Qantas and Jetstar to be reaccommodated on the same route as their original booking at no charge, where seats available. In a statement on the Rex <a href="https://www.rex.com.au/AboutRex/OurCompany/DomesticFlightUpdates.aspx" target="_blank" rel="noopener">website</a>, the stricken airline said it was working with Virgin Australia to assist impacted passengers. “An agreement has been reached with Virgin Australia to honour all prepaid tickets for the Rex Group’ direct services between domestic capital cities, at no additional cost to passengers. “If you hold a prepaid ticket for future travel on any of these routes, you can transfer your Rex booking to a similar Virgin Australia flight.” Customers must re-book their flight by Wednesday August 14th or they will lose their money. “Regional flights are unaffected by the administration and will continue to operate as normal,” it stated. Image credits: Shutterstock

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