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When can you expect to benefit from Albanese's election promises?

<p>Following the sweeping victory for Prime Minister Anthony Albanese and the Labor Party over the weekend, Australians are now looking to the government to deliver on a suite of cost-of-living promises aimed at easing financial pressures across the country.</p> <p>Finance expert and Money editor Effie Zahos told the <em>Today</em> show that the scale of the Labor win should pave the way for campaign commitments to be swiftly translated into policy. "The strength of the government's win should make the passage from promise into law a lot easier," Zahos said. "And there were so many promises made – everything from a two-year beer tax freeze to a new 1800 Medicare line."</p> <p>Among the most anticipated reforms is a no-receipt $1000 tax deduction for work-related expenses, set to roll out on July 1 next financial year. Zahos described the measure as an "exciting" step in a broader tax overhaul, but she also offered a word of caution: "This is a tax deduction, not a refund. So how much you get will come down to your tax bracket. Assuming you're on a 30 per cent tax rate, your relief will be $300."</p> <p>The Albanese government estimates around six million Australians will benefit, with average savings of $205 per person. However, a broader income tax cut for those earning between $45,000 and $80,201 – reducing the rate from 16 per cent to 14 per cent – won't take effect until July 1, 2027.</p> <p><strong>Housing and Construction Promises</strong></p> <p>On the housing front, the government has committed to enabling five per cent deposits for home buyers and offering shared equity loans, starting July 1. However, Zahos noted that implementation could vary. "The shared equity one still is uncertain because they've got to be pushed out through the states as well," she said.</p> <p>Additional measures include the construction of 100,000 new homes and a $10,000 bonus for apprentice tradies such as bricklayers, electricians, carpenters, and plumbers living away from home. The bonus will be distributed in $2000 instalments beginning in the new financial year.</p> <p><strong>Support for Students and Parents</strong></p> <p>In a bid to appeal to younger voters, the government has pledged to cut 20 per cent off student HELP debts before June 1. The move is expected to reduce the average student loan by more than $5000. </p> <p>From January 5, 2026, parents will be entitled to three days of subsidised childcare per week – a policy that removes the activity test, meaning employment will no longer be a requirement for access.</p> <p><strong>Energy Relief on the Horizon</strong></p> <p>Households can also expect temporary relief on energy costs, with rebates and a 30 per cent discount on home batteries starting from July 1. But Zahos warned these benefits will expire by the end of 2025. "And then the pain will continue," she said, hinting at the ongoing challenges Australians face despite the short-term reprieve.</p> <p>With expectations high and timelines tight, all eyes are now on the Albanese government to turn its electoral promises into tangible support for everyday Australians.</p> <p><em>Image: ABC News</em></p> <p> </p>

Money & Banking

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Older Australians are also hurting from the housing crisis. Where are the election policies to help them?

<div class="theconversation-article-body"> <p>It would be impossible at this stage in the election campaign to be unaware that housing is a critical, potentially vote-changing, issue. But the suite of policies being proposed by the <a href="https://theconversation.com/how-do-the-coalition-and-labor-plans-on-housing-differ-and-what-have-they-ignored-253337">major parties</a> largely focus on young, first home buyers.</p> <p>What is glaringly noticeable is the lack of measures to improve availability and affordability for older people.</p> <p>Modern older lives are diverse, yet older people have become too easily pigeonholed. No more so than in respect to property, where a perception has flourished that older people own more than their fair share of housing wealth.</p> <p>While the value of housing has no doubt increased, home <a href="https://www.aihw.gov.au/reports/australias-welfare/home-ownership-and-housing-tenure#:%7E:text=The%20home%20ownership%20rate%20of,compared%20with%2036%25%20in%202021.">ownership rates</a> among people reaching retirement age has actually declined since the mid-1990s.</p> <p>Older people can also face <a href="https://www.anglicare.asn.au/research-advocacy/rental-affordability/">rental stress and homelessness</a> – with almost 20,000 <a href="https://www.abs.gov.au/statistics/people/housing/estimating-homelessness-census/latest-release">homeless people</a> in Australia aged over 55. Severe housing stress is a key contributing to those homelessness figures.</p> <p>It’s easy to blame older Australians for causing, or exacerbating, the housing crisis. But doing so ignores the fact that right now, our housing system is badly failing many older people too.</p> <h2>No age limits</h2> <p>Owning a home has traditionally provided financial security for retirees, especially ones relying on the age pension. This is so much so, that home ownership is sometimes described as the “fourth pillar” of Australia’s retirement system.</p> <p>But housing has become more expensive – to rent or buy – for everyone.</p> <p>Falling rates of <a href="https://grattan.edu.au/report/money-in-retirement/">home ownership</a> combined with carriage of mortgage debt into retirement, restricted access to shrinking stocks of social housing, and lack of housing affordability in the private rental market have a particular impact on older people.</p> <h2>Housing rethink</h2> <p>Housing policy for older Australians has mostly focused on age-specific options, such as retirement villages and aged care. Taking such a limited view excludes other potential solutions from across the broader housing system that should be considered.</p> <p>Furthermore, not all older people want to live in a retirement village, and fewer than <a href="https://www.abs.gov.au/statistics/health/disability/disability-ageing-and-carers-australia-summary-findings/latest-release#:%7E:text=5.5%20million%20Australians%20(21.4%25),a%20profound%20or%20severe%20disability.">5% of older people</a> live in residential aged care.</p> <p>During my <a href="https://www.churchilltrust.com.au/fellow/victoria-cornell-sa-2019/">Churchill Fellowship study</a> exploring alternative, affordable models of housing for older people, I discovered three cultural themes that are stopping us from having a productive conversation about housing for older people.</p> <ul> <li> <p>Australia’s tradition of home ownership undervalues renting and treats housing as a commodity, not a basic need. This disadvantages older renters and those on low income.</p> </li> <li> <p>There’s a stigma regarding welfare in Australia, which influences who is seen as “deserving” and shapes the policy responses.</p> </li> <li> <p>While widely encouraged, “ageing-in-place” means different things to different people. It can include formal facilities or the family home that needs modifications to make it habitable as someone ages.</p> </li> </ul> <p>These themes are firmly entrenched, often driven by policy narratives such as the primacy of home ownership over renting. In the past 50 years or so, many have come to view welfare, such as social housing, as a <a href="https://www.ahuri.edu.au/research/final-reports/390">last resort</a>, and have aimed to age in their family home or move into a “desirable” retirement village.</p> <h2>Variety is key</h2> <p>A more flexible approach could deliver housing for older Australians that is more varied in design, cost and investment models.</p> <p>The promises made so far by political parties to help younger home buyers are welcome. However, the housing system is a complex beast and there is no single quick fix solution.</p> <p>First and foremost, a national housing and homelessness plan is required, which also involves the states and territories. The plan must include explicit consideration of housing options for older people.</p> <p>Funding for housing developments needs to be more flexible in terms of public-private sector investment and direct government assistance that goes beyond first home buyer incentives.</p> <h2>International models</h2> <p>For inspiration, we could look to Denmark, which has developed numerous <a href="https://www.spatialagency.net/database/co-housing">co-housing communities</a>.</p> <p>Co-housing models generally involve self-managing communities where residents have their own private, self-contained home, supported by communal facilities and spaces. They can be developed and designed by the owner or by a social housing provider. They can be age-specific or multi-generational.</p> <p>Funding flexibility, planning and design are key to their success. Institutional investors include</p> <ul> <li> <p>so-called impact investors, who seek social returns and often accept lower financial returns</p> </li> <li> <p>community housing providers</p> </li> <li> <p>member-based organisations, such as mutuals and co-operatives.</p> </li> </ul> <p>Government also plays a part by expediting the development process and providing new pathways to more affordable ownership and rental options.</p> <p>Europe is also leading the way on social housing, where cultural attitudes are different from here.</p> <p>In Vienna, Austria, more than 60% of residents live in 440,000 <a href="https://www.wienerwohnen.at/wiener-gemeindebau/municipal-housing-in-vienna.html">socially provided homes</a>. These homes are available for a person’s entire life, with appropriate age-related modifications permitted if required.</p> <p>At over 20% of the total housing stock, <a href="https://lbf.dk/om-lbf/english-the-danish-social-housing-model/">social housing</a> is also a large sector in Denmark, where the state and municipalities support the construction of non-profit housing.</p> <h2>Overcoming stereotyes</h2> <p>Our population is ageing rapidly, and more older people are now renting or facing housing insecurity.</p> <p>If policymakers continue to ignore their housing needs, even more older people will be at risk of living on the street, and as a result will suffer poor health and social isolation.</p> <p>Overcoming stereotypes - such as the idea that all older people are wealthy homeowners - is key to building fairer, more inclusive solutions.</p> <p>This isn’t just about older Australians. It’s about creating a housing system that works for everyone, at every stage of life.<!-- 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/255391/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>By <a href="https://theconversation.com/profiles/victoria-cornell-2372746">Victoria Cornell</a>, Research Fellow, <a href="https://theconversation.com/institutions/flinders-university-972">Flinders University</a></em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/older-australians-are-also-hurting-from-the-housing-crisis-where-are-the-election-policies-to-help-them-255391">original article</a>.</em></p> <p><em>Image: Shutterstock</em></p> </div>

Money & Banking

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Forming new habits can take longer than you think. Here are 8 tips to help you stick with them

<div class="theconversation-article-body"> <p>If you’ve ever tried to build a new habit – whether that’s exercising more, eating healthier, or going to bed earlier – you may have heard the popular claim that it only takes 21 days to form a habit.</p> <p>It’s a neat idea. Short, encouraging and full of promise. But there’s just one problem: it’s not true.</p> <p>The 21-day myth can be traced back to <a href="https://www.amazon.com/gp/product/0671700758/ref=as_li_qf_sp_asin_il_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=0671700758&amp;linkCode=as2&amp;tag=jamesclear-20&amp;linkId=6DQ32IRAG3LU4PKA">Maxwell Maltz</a>, a plastic surgeon in the 1960s, who observed it took about three weeks for his patients to adjust to physical changes. This idea was later picked up and repeated in self-help books, eventually becoming accepted wisdom.</p> <p>But as psychologists and behavioural scientists have since discovered, habit formation is <a href="https://www.scientificamerican.com/article/how-long-does-it-really-take-to-form-a-habit/">much more complex</a>.</p> <h2>How long does it really take?</h2> <p>A <a href="https://onlinelibrary.wiley.com/doi/10.1002/ejsp.674">2010 study</a> followed volunteers trying to build simple routines – such as drinking water after breakfast or eating a daily piece of fruit – and found it took a median of 66 days for the behaviour to become automatic.</p> <p>We recently <a href="https://www.mdpi.com/2227-9032/12/23/2488">reviewed several studies</a> looking at how long it took people to form health-related habits. We found, on average, it took around two to five months.</p> <p>Specifically, the studies that measured time to reach automaticity (when a behaviour becomes second nature) found that habit formation took between 59 and 154 days. Some people developed a habit in as few as four days. Others took nearly a year.</p> <p>This wide range highlights that habit formation isn’t one-size-fits-all. It depends on what the behaviour is, how often it’s repeated, how complex it is, and who’s doing it.</p> <h2>What determines whether a habit will stick?</h2> <p>Habit strength plays a key role in consistency. A <a href="https://www.frontiersin.org/journals/psychology/articles/10.3389/fpsyg.2021.626750/full">2021 systematic review</a> focused on physical activity and found the stronger the habit (meaning the more automatic and less effortful the behaviour felt) the more likely people were to exercise regularly.</p> <p>It’s not entirely surprising that easy, <a href="https://bjgp.org/content/62/605/664">low-effort behaviours</a> such as drinking water or taking a daily vitamin tend to form faster than complex ones like training for a marathon.</p> <p>But whatever the habit, <a href="https://www.nature.com/articles/s44159-024-00305-0">research shows</a> sticking to it is not just about boosting motivation or willpower. Interventions that actively support habit formation – through repetition, cues and structure – are much more effective for creating lasting change.</p> <p>For example, programs that encourage people to schedule regular exercise at the same time each day, or apps that send reminders to drink water after every meal, help build habits by making the behaviour easier to repeat and harder to forget.</p> <p>Our <a href="https://www.mdpi.com/2227-9032/12/23/2488">research</a>, which drew on data from more than 2,600 people, showed habit-building interventions can make a real difference across a range of behaviours – from flossing and healthy eating to regular exercise.</p> <p>But what stood out most was that even small, everyday actions can grow into powerful routines, when repeated consistently. It’s not about overhauling your life overnight, but about steadily reinforcing behaviours until they become second nature.</p> <h2>8 tips for building lasting habits</h2> <p>If you’re looking to build a new habit, here are some science-backed tips to help them stick:</p> <ol> <li> <p>Give it time. Aim for consistency over <a href="https://www.mdpi.com/2227-9032/12/23/2488">60 days</a>. It’s not about perfection – missing a day won’t reset the clock.</p> </li> <li> <p><a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC3505409/">Make it easy</a>. Start small. Choose a behaviour you can realistically repeat daily.</p> </li> <li> <p>Attach your new habit <a href="https://www.mdpi.com/2227-9032/12/23/2488">to an existing routine</a>. That is, make the new habit easier to remember by linking it to something you already do – such as flossing right before you brush your teeth.</p> </li> <li> <p><a href="https://www.tandfonline.com/doi/full/10.1080/0144929X.2020.1801840">Track your progress</a>. Use a calendar or app to tick off each successful day.</p> </li> <li> <p>Build in <a href="https://www.sciencedirect.com/science/article/pii/S2212267215011181?casa_token=-VKsr03fXOUAAAAA:pKV0oAB5VVuj8RcPAW5T7prjo3efSVpi6P6TXFoeTLHBX_vFK0ttF6tFM9-8Fp6o45XPu_lcij5d">rewards</a>, for example making a special coffee after a morning walk or watching an episode of your favourite show after a week of consistent workouts. Positive emotions help habits stick, so celebrate small wins.</p> </li> <li> <p>Morning is best. Habits practised <a href="https://psycnet.apa.org/doiLanding?doi=10.1037%2Fhea0000510">in the morning</a> tend to form more reliably than those attempted at night. This may be because people typically have more motivation and fewer distractions earlier in the day, making it easier to stick to new routines before daily demands build up.</p> </li> <li> <p>Personal choice boosts success. People are more likely to stick with habits <a href="https://www.frontiersin.org/journals/psychology/articles/10.3389/fpsyg.2020.00560/full">they choose themselves</a>.</p> </li> <li> <p><a href="https://onlinelibrary.wiley.com/doi/abs/10.1002/ejsp.674">Repetition</a> in a stable context is key. Performing the same behaviour in the same situation (such as walking right after lunch each day) increases the chances it will become automatic.</p> </li> </ol> <h2>Why the 21-day myth matters</h2> <p>Believing habits form in 21 days sets many people up to fail. When change doesn’t “click” within three weeks, it’s easy to feel like you’re doing something wrong. This can lead to frustration, guilt and giving up entirely.</p> <p>By contrast, understanding the real timeline can help you stay motivated when things feel slow.</p> <p>Evidence shows habit formation usually takes at least two months, and sometimes longer. But it also shows change is possible.</p> <p>Our <a href="https://www.mdpi.com/2227-9032/12/23/2488">research</a> and <a href="https://bjgp.org/content/62/605/664">other evidence</a> confirm that repeated, intentional actions in stable contexts really do become automatic. Over time, new behaviours can feel effortless and deeply ingrained.</p> <p>So whether you’re trying to move more, eat better, or improve your sleep, the key isn’t speed – it’s consistency. Stick with it. With time, the habit will stick with you.<!-- 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/255118/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>By</em> <em><a href="https://theconversation.com/profiles/ben-singh-1297213">Ben Singh</a>, Research Fellow, Allied Health &amp; Human Performance, <a href="https://theconversation.com/institutions/university-of-south-australia-1180">University of South Australia</a> and <a href="https://theconversation.com/profiles/ashleigh-e-smith-201327">Ashleigh E. Smith</a>, Associate Professor, Healthy Ageing, <a href="https://theconversation.com/institutions/university-of-south-australia-1180">University of South Australia</a></em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/forming-new-habits-can-take-longer-than-you-think-here-are-8-tips-to-help-you-stick-with-them-255118">original article</a>.</em></p> <p><em>Image: Shuttertock</em></p> </div>

Mind

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Q+A descends into acrimony over Welcome to Country debate

<p>The ABC’s flagship program <em>Q+A</em> erupted into heated exchanges on Monday night as panellists clashed over the role and frequency of Welcome to Country ceremonies, amid growing national debate sparked by political and community divisions.</p> <p>The discussion was triggered when audience member Peter asked how tensions over the ceremonies could be resolved "amicably" and "in the interest of all parties", following escalating disagreement between Prime Minister Anthony Albanese and Opposition Leader Peter Dutton during the current federal election campaign.</p> <p>Liberal MP Paul Fletcher argued from the Q+A panel that while it was important to recognise the “distinctive place” of Indigenous Australians, many in the community felt there were now too many ceremonial acknowledgements.</p> <p>The issue has been further inflamed after neo-Nazis booed a Welcome to Country delivered by Bunurong man Uncle Mark Brown during the Anzac Day Dawn Service at Melbourne’s Shrine of Remembrance – a move that was swiftly condemned by both major political parties.</p> <p>However, Mr Dutton later suggested that Welcome to Country ceremonies were being overused and questioned their appropriateness for solemn occasions like Anzac Day.</p> <p>On <em>Q+A</em>, Environment Minister Tanya Plibersek defended the tradition, particularly at Anzac Day events, arguing it was "perfectly appropriate" to acknowledge the service of Indigenous Australians in the military.</p> <p>Fletcher countered that veterans should be consulted on the issue, prompting a sharp exchange when Plibersek retorted that he was speaking as if Indigenous veterans did not exist. Fletcher accused her of using “straw man rhetoric”, insisting, “The role of Indigenous people in defending Australia over many conflicts has been very significant. Nobody is contesting that for a second.”</p> <p>Greens leader Adam Bandt also weighed in, launching a scathing attack on Dutton’s handling of the matter. “It’s gutter politics from an Opposition leader whose campaign is in free fall and he’s starting to punch down,” Bandt said. He accused Dutton of spreading misinformation during the Voice referendum campaign and likened his tactics to those of US President Donald Trump.</p> <p>“He’s playing from the Trump play book as his campaign is in free fall. Punching down. Playing from the Trump play book and we’ll call it out," Bandt said.</p> <p><em>Image: ABC's Q+A</em></p>

TV

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Carlton mourns the loss of one of the greats of the game

<p>The Australian football world is in mourning following the passing of one of the game's most electrifying figures, Peter Bosustow, aged 67.</p> <p>Bosustow, affectionately known as "The Buzz", died early Monday morning in Perth after a long battle with cancer. He was surrounded by his wife Shelley, son Brent and daughter Brooke, who were by his side to say their final goodbyes.</p> <p>The son of former Carlton player Bob Bosustow, Peter lit up Princes Park from the moment he crossed from Perth in 1981, joining fellow Western Australian Ken Hunter. Both became instant sensations, but it was Bosustow's acrobatics, sharp goal sense and larger-than-life personality that quickly made him a Carlton cult hero.</p> <p>In just three seasons and 65 games for the Blues, Bosustow made an indelible impact, booting 146 goals and helping lead the club to back-to-back premierships in 1981 and 1982. His inaugural season remains one of the most memorable in AFL history, winning both the Goal of the Year and Mark of the Year awards, alongside lifting the premiership trophy.</p> <p>Former teammate Ken Hunter remembered Bosustow fondly, saying, “I think of what a character ‘Buzz’ was and how much he took to the big stage. He was a unique character and a rare football talent in equal measure. The Carlton people loved ‘Buzz’ and he loved Carlton.”</p> <p>Bosustow's highlight reel moments – none greater than his soaring mark over Geelong's John Mossop at Princes Park and his instinctive goal against Ian Nankervis at VFL Park – are still cherished by Blues fans. His ability to turn a game in a few magical moments made him a constant crowd favourite.</p> <p>Former Carlton coach David Parkin paid a heartfelt tribute, describing Bosustow as “an exceptional talent” who was "probably as exciting a player to watch as we ever had". Parkin recalled Bosustow's breathtaking smother, gather and goal during the 1981 semi-final as the quintessential example of his rare brilliance.</p> <p>After three seasons, Bosustow returned to WA in 1984 due to his father's illness. He continued to shine at WAFL level with Perth, where he played 141 games and kicked 379 goals, also representing WA against Victoria and South Australia. He topped Perth’s goalkicking three times and was later named in the club's Team of the Century.</p> <p>A comeback attempt at Carlton in 1986 ultimately fell short, but his connection with the club and its supporters never wavered.</p> <p>Bosustow's final years were marked by courage in the face of illness. Diagnosed with bowel and liver cancer, he fought valiantly and even celebrated a brief cancer-free period in 2023. However, his second battle with cancer recently became public, and earlier this month he was hospitalised in Perth.</p> <p>Remarkably, Bosustow spent his final evening watching his beloved Blues claim a stirring victory over Geelong at the MCG – the same club against which he once performed some of his most iconic feats. According to reports, he raised a fist in celebration at the final siren.</p> <p>Throughout his illness, Bosustow received widespread support from the football community, with fundraising efforts in 2022 attended by many of his former teammates and friends.</p> <p>Peter Bosustow leaves behind a legacy as one of football’s most charismatic and spectacular talents. His high-flying marks, impossible goals and infectious spirit will forever be part of Carlton's rich history — and in the hearts of all who were lucky enough to witness "The Buzz" in full flight.</p> <p><em>Images: Carlton FC</em></p>

Caring

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Australia has the highest gambling losses in the world. Is it time for mandatory limits?

<div class="theconversation-article-body">Gambling prevalence studies provide a snapshot of gambling behaviour, problems and harm in our communities. They are typically conducted about every five years.</p> <p>In some Australian states and territories, four or five have been conducted over the past 20 or so years. These have provided a snapshot into how gambling has changed – and how it has not.</p> <p>So, how has gambling in Australia changed in the past two decades or so, and where may we be heading?</p> <blockquote class="twitter-tweet"> <p dir="ltr" lang="en">Australia has the highest gambling losses in the world.<br />Australia should: <br />🚫 Ban gambling ads<br />🎰 Introduce loss limits on pokies and online gambling<br />📉 Progressively cut the number of pokies in each state</p> <p>Our new report shows how governments should prevent gambling harm.… <a href="https://t.co/7U3IgzOLSp">pic.twitter.com/7U3IgzOLSp</a></p> <p>— Grattan Institute (@GrattanInst) <a href="https://twitter.com/GrattanInst/status/1831297414080176469?ref_src=twsrc%5Etfw">September 4, 2024</a></p></blockquote> <h2>The intensification of gambling</h2> <p>In 1997-98, the Productivity Commission found <a href="https://www.pc.gov.au/inquiries/completed/gambling/report/summary.pdf">about 82% of Australians</a> had gambled in the previous 12 months.</p> <p>Almost all further prevalence studies show the proportion of adults gambling has declined substantially over time.</p> <p>The <a href="https://www.gambleaware.nsw.gov.au/resources-and-education/check-out-our-research/published-research/nsw-gambling-survey-2024">2024 NSW prevalence survey</a>, for example, found 54% reported gambling in the previous 12 months, down from 69% in 2006.</p> <p>While fewer people are gambling, the proportion of people experiencing problems has not changed much, <a href="https://www.qgso.qld.gov.au/statistics/theme/society/gambling/australian-gambling-statistics">nor has gambling turnover</a>.</p> <p>In some states, gambling turnover has increased, even when you take inflation into account.</p> <p>So while a smaller proportion of people are gambling, those who do gamble are doing so more frequently, and spend more money – a phenomenon we have described as the “intensification” of the industry.</p> <p>As figures from the Grattan Institute show, the vast majority of gambling spend comes from a very small proportion of people who gamble.</p> <p><iframe id="Z6EYJ" class="tc-infographic-datawrapper" style="border: 0;" src="https://datawrapper.dwcdn.net/Z6EYJ/" width="100%" height="400px" frameborder="0" scrolling="no"></iframe></p> <h2>What’s the problem?</h2> <p>Typically, the focus in gambling studies has been on “problem gamblers”, a term we now avoid because it can be stigmatising.</p> <p>This refers to those experiencing severe problems due to their gambling, which is typically <a href="https://www.justice.vic.gov.au/justice-system/safer-communities/gambling/victorian-population-gambling-and-health-study-2023">about 1% of the adult population</a>, and around 2% of people who gamble.</p> <p>This doesn’t sound like much, until you remember 1% of adults in Australia is more than 200,000 people. That’s a lot of people struggling with severe problems.</p> <p>Based on recent prevalence surveys in Australia, these gamblers spend <a href="https://www.gambleaware.nsw.gov.au/resources-and-education/check-out-our-research/published-research/nsw-gambling-survey-2024">about 60 times as much</a> as people who do not experience problems.</p> <p>However, that’s just the most severe cases.</p> <h2>How gambling harms people</h2> <p>When most people think of gambling harm, they think about financial harm. But gambling can cause problems with relationships, work and study, emotional and psychological harm, and <a href="https://bmcpublichealth.biomedcentral.com/articles/10.1186/s12889-016-2747-0">even cause health issues</a>.</p> <p>Some degree of gambling harm is experienced by <a href="https://www.gambleaware.nsw.gov.au/resources-and-education/check-out-our-research/published-research/nsw-gambling-survey-2024">around 10-15%</a> of people who gamble.</p> <p>Some groups are overrepresented: young men typically experience very high levels of harm compared to others. Other overrepresented groups are:</p> <ul> <li>those who have not completed tertiary education</li> <li>people who speak a language other than English</li> <li>people who identify as Aboriginal or Torres Strait Islander.</li> </ul> <p>Harm isn’t just experienced by people who gamble, though – it impacts the people around them.</p> <p>While young men are more likely to experience harm from their own gambling, <a href="https://www.gambleaware.nsw.gov.au/resources-and-education/check-out-our-research/published-research/nsw-gambling-survey-2024">women, particularly young women</a>, are most likely to experience harm from someone else’s gambling.</p> <p>When we take all of these sources of harm into account, we get a much better picture of gambling harm in our community: <a href="https://www.gambleaware.nsw.gov.au/resources-and-education/check-out-our-research/published-research/nsw-gambling-survey-2024">around 15-20% of all adults</a> (not all gamblers) experience harm.</p> <p>That’s very different to the figure of 1% we’ve focused on in the past.</p> <p>We’re still missing some accounting, though: we don’t know how much harm is experienced by people under 18, for example, because prevalence studies typically only include adults.</p> <h2>Where does the harm come from?</h2> <p>The most problematic form in Australia is pokies, responsible for <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC10260219/#:%7E:text=EGMs%20are%20responsible%20for%2051,problems%20due%20to%20low%20participation.">about 51-57% of problems</a>.</p> <p>Casinos are responsible for <a href="https://ftp.justice.vic.gov.au/justice-system/safer-communities/gambling/victorian-population-gambling-and-health-study-2023">another 10-14%</a>, although fewer people have been gambling in casino games in recent years.</p> <p>Sports betting and race betting together account for about another 19-20% of harm.</p> <p>Between them, pokies, casino games and sports and race betting account for about 90% of harm to Australian gamblers.</p> <p><iframe id="w2wEY" class="tc-infographic-datawrapper" style="border: 0;" src="https://datawrapper.dwcdn.net/w2wEY/" width="100%" height="400px" frameborder="0" scrolling="no"></iframe></p> <h2>Availability is an issue</h2> <p>This widespread availability of pokies is the biggest single driver behind gambling harm in Australia.</p> <p><iframe id="hIgeD" class="tc-infographic-datawrapper" style="border: 0;" src="https://datawrapper.dwcdn.net/hIgeD/" width="100%" height="400px" frameborder="0" scrolling="no"></iframe></p> <p>In other countries, pokies are limited to venues that are specifically used for gambling, like casinos or betting shops.</p> <p>We have pokies in a huge number of our pubs and clubs, except in Western Australia.</p> <p>A couple of years ago, we used national prevalence data to compare gambling problems in WA <a href="https://akjournals.com/view/journals/2006/12/3/article-p721.xml">to the rest of the country</a>.</p> <p>A higher percentage of adults in WA gamble, but mostly on the lotteries which are typically <a href="https://theconversation.com/pokies-lotto-sports-betting-which-forms-of-problem-gambling-affect-australians-the-most-240665">not associated with much harm</a>.</p> <p>Gambling on pokies is far less prevalent in WA because they’re only available in one casino. Gambling problems and harm are about one-third lower in WA, and our analysis shows this can be attributed to the limited access to pokies.</p> <p>This also tells us something important. If pokies are not available, people will typically not substitute them with other harmful forms. It points to the role of the availability of dangerous gambling products in gambling harm, rather than personal characteristics.</p> <p>Online gambling has also become a lot more available. Most of us now have a mobile phone almost surgically implanted onto our hand, making online gambling more accessible than ever. Not surprisingly, <a href="https://www.gamblingresearch.org.au/publications/second-national-study-interactive-gambling-australia-2019-20">online gambling continues to increase</a>.</p> <h2>An obvious solution to try</h2> <p>Governments have taken increasingly proactive measures to help address gambling harm, such as the <a href="https://www.dss.gov.au/gambling/resource/national-consumer-protection-framework-online-wagering-national-policy-statement">National Consumer Protection Framework for Online Gambling</a>, strategies for minimising harm such as NSW’s investment into <a href="https://www.nsw.gov.au/media-releases/gambleaware-week-0">gambling harm minimisation</a>, Victoria’s <a href="https://www.theguardian.com/australia-news/2024/nov/26/victoria-pokies-changes-limits-new-laws">proposed reforms on pokies</a> including mandatory precommitment limits, Queensland’s <a href="https://www.publications.qld.gov.au/dataset/gambling-harm-min/resource/84d444db-97e0-4be0-8e87-0c6f0cb412d6">Gambling Harm Minimisation Plan</a> and the ACT’s <a href="https://www.gamblingandracing.act.gov.au/__data/assets/pdf_file/0009/1436580/Strategy-for-gambling-harm-prevention.pdf">Strategy for Gambling Harm Prevention</a>.</p> <p>Voluntary limits have been trialled to help people keep their gambling under control, but have had <a href="https://www.abc.net.au/news/2024-12-03/nsw-government-cashless-gaming-trial-findings-released/104679384">virtually no uptake</a>.</p> <p>For example, the recent <a href="https://www.liquorandgaming.nsw.gov.au/__data/assets/pdf_file/0018/1340136/evaluation-of-the-nsw-digital-gaming-wallet-trial-2024.pdf">NSW Digital Gaming Wallet trial</a> was conducted in 14 venues. Only 32 people were active users, and 14 of these were deemed genuine users. <a href="https://www.adelaide.edu.au/saces/ua/media/652/evaluation-of-yourplay-final-report_0.pdf">Another study</a> found only 0.01% of all money put through machines in Victoria used the voluntary YourPlay scheme.</p> <p>The problem with voluntary limits is, no one volunteers.</p> <p>Mandatory limits though are almost certainly necessary, just like we have mandatory limits for how fast you can drive, or how much you can drink before the bartender puts you in a taxi.</p> <p>There will almost certainly be push back against this, just like the introduction of mandatory seatbelts in the 1970s, or <a href="https://www.abc.net.au/news/2023-10-04/road-safety-history-australia-toll-increase/102903364">the introduction of random breath testing</a>.</p> <p>Now, we accept them as important public health measures.</p> <p>History tells us the same will happen with mandatory gambling limits, even if we’re a bit uncomfortable about it at first.<!-- 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/252389/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>By <a href="https://theconversation.com/profiles/alex-russell-133860">Alex Russell</a>, Principal Research Fellow, <a href="https://theconversation.com/institutions/cquniversity-australia-2140">CQUniversity Australia</a>; <a href="https://theconversation.com/profiles/matthew-browne-97705">Matthew Browne</a>, Senior Lecturer in Statistics, <a href="https://theconversation.com/institutions/cquniversity-australia-2140">CQUniversity Australia</a>, and <a href="https://theconversation.com/profiles/matthew-rockloff-569">Matthew Rockloff</a>, Head, Experimental Gambling Research Lab, <a href="https://theconversation.com/institutions/cquniversity-australia-2140">CQUniversity Australia</a></em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/gambling-in-australia-how-bad-is-the-problem-who-gets-harmed-most-and-where-may-we-be-heading-252389">original article</a>.</em></p> <p><em>Image: Shutterstock</em></p> </div>

Money & Banking

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Refinancing your home later in life – what you need to know

<p>There are many reasons why you may look to refinance your home. The obvious one is to lower mortgage repayments with a better rate. However, other reasons people refinance later in life include:</p> <ul> <li>unlocking equity to invest</li> <li>paying down other debts</li> <li>buying a holiday home</li> <li>funding extended travel</li> <li>launching a new business</li> <li>supporting children with a property deposit</li> </ul> <p>Regardless of why you want to refinance, the points below will help you navigate your options.</p> <p><strong>Changing lenders</strong></p> <p>It may have been a while since you last revisited your mortgage, meaning you may not be aware of current lending options and traps.</p> <p>A common trick lenders use is the so-called “headline rate” to grab your attention. However, this interest rate is typically not what you end up paying. It may only be an introductory rate for the first few months, or hefty fees attached may wipe out any savings.</p> <p>Banks aren’t the only ones offering loans nowadays. Registered non-bank lenders, fintechs and online lenders can refinance your mortgage and provide other credit services the same as any bank; they just don’t take cash deposits. Alternatively, you could explore credit unions and mutual societies.</p> <p>Also consider any shareholder benefits you may have. Most banks have done away with them now but may still honour pre-existing ones. If you change lenders, you could lose this entitlement – permanently.</p> <p><strong>Reverse mortgages</strong></p> <p>Generally, only available to people aged 60-plus, a reverse mortgage effectively allows you to unlock equity in your home without you needing to make immediate repayments.</p> <p>However, they often have strict conditions including:</p> <ul> <li>minimum borrowing amounts</li> <li>maximum borrowing ratios</li> <li>higher interest rates than standard mortgages</li> </ul> <p>Crucially, the interest accrues over time and is repaid when you sell, move or pass away. As such, your debt liability grows over time – potentially impacting your future living arrangements and how much is left for beneficiaries in your will.  The Govt has the “loan equity scheme” as another option to lenders.  I just want to highlight the need to be careful with reverse mortgages.</p> <p><strong>Changing homes</strong></p> <p>Rather than selling, downsizing could involve making an investment property your primary residence and then renting out your existing home.</p> <p>This approach may require you to refinance both loans simultaneously. There will also be tax considerations to work through – including Capital Gains Tax liabilities when you do sell, negative gearing, depreciation, and changes to your income tax.</p> <p>Then there are the lifestyle factors to weigh up, especially if you are moving to a different area:</p> <ul> <li>living expenses</li> <li>insurance and travel costs</li> <li>access to healthcare</li> <li>rental income</li> <li>property management expenses</li> </ul> <p>Remember that if you have a Self Managed Super Fund (SMSF), it CANNOT own any property that you directly use yourself, including your home.</p> <p><strong>Becoming Bank of Mum and Dad</strong></p> <p>Refinancing can unlock equity to support adult children with their first property deposit. However, it isn’t without its risks.</p> <p>Ask yourself honestly:</p> <ul> <li>Will this be a gift or loan?</li> <li>If a loan, under what terms? Will interest be applied? How and when will repayments be made? What if they default?</li> <li>What happens if their relationship breaks down, will you get your money back?</li> <li>How does going without that money affect your retirement?</li> <li>Do you have alternative assets to support you if your circumstances change?</li> <li>How does this affect inheritances or deposit contributions to your other children?</li> <li>Can you assist them another way without using your home equity?</li> </ul> <p>Draw up a written agreement outlining all conditions and scenarios to avoid disagreements in the future.</p> <p><strong>Pension impacts</strong></p> <p>Don’t overlook how refinancing your home could impact your pension. While your home is exempt from the means test, any income or assets you generate from unlocking equity is not.</p> <p>You could inadvertently see your pension amount reduced or your eligibility voided altogether. This would come as a nasty shock if you haven’t pre-budgeted for such a change!</p> <p><strong>Getting advice</strong></p> <p>To ensure you get the best bang for your buck when refinancing, be sure to enlist the help of a good:</p> <ul> <li>mortgage broker to source the best loans for your circumstances</li> <li>insurance broker to ensure your cover is right sized for your needs, risk and budget</li> <li>accountant to work through any tax implications</li> <li>estate planner to manage any changes</li> <li>financial adviser to keep your investments and financial strategy working for you</li> </ul> <p>Ultimately, decisions – including about refinancing – are only as good the information you have at hand. So, make sure you have all the relevant facts before signing on the dotted line.</p> <p><em><span style="line-height: 18.4px; font-family: Calibri, sans-serif; color: #242424;">Helen Baker is a licensed Australian financial adviser and author of the new book, Money For Life: How to build financial security from firm foundations (Major Street Publishing $32.99). 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 </span><a style="color: #467886;" title="http://www.onyourowntwofeet.com.au/" href="http://www.onyourowntwofeet.com.au/"><span style="line-height: 18.4px; font-family: Calibri, sans-serif;">www.onyourowntwofeet.com.au</span></a></em></p> <p><em><span style="line-height: 18.4px; font-family: Calibri, sans-serif; color: #242424;">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.</span></em></p>

Money & Banking

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Do any non-drug treatments help back pain? Here’s what the evidence says

<div class="theconversation-article-body"> <p>Jason, a 42-year-old father of two, has been battling back pain for weeks. Scrolling through his phone, he sees ad after ad promising relief: chiropractic alignments, acupuncture, back braces, vibrating massage guns and herbal patches.</p> <p>His GP told him to “stay active”, but what does that even mean when every movement hurts? Jason wants to avoid strong painkillers and surgery, but with so many options (and opinions), it’s hard to know what works and what’s just marketing hype.</p> <p>If Jason’s experience sounds familiar, you’re not alone. Back pain is one of the most common reasons people visit a doctor. It can be challenging to manage, mainly due to widespread <a href="https://theconversation.com/having-good-posture-doesnt-prevent-back-pain-and-bad-posture-doesnt-cause-it-183732">misunderstandings</a> and the <a href="https://ebm.bmj.com/content/early/2025/03/02/bmjebm-2024-112974">overwhelming number</a> of ineffective and uncertain treatments promoted.</p> <p>We assessed the best available evidence of non-drug and non-surgical treatments to alleviate low back pain. <a href="https://www.cochranelibrary.com/cdsr/doi/10.1002/14651858.CD014691.pub2/full">Our review</a> – published today by the independent, international group the Cochrane Collaboration – includes 31 Cochrane systematic reviews, covering 97,000 people with back pain.</p> <p>It <a href="https://www.cochranelibrary.com/cdsr/doi/10.1002/14651858.CD014691.pub2/full">shows</a> bed rest doesn’t work for back pain. Some of the treatments that do work can depend on how long you’ve been in pain.</p> <h2>Is back pain likely to be serious?</h2> <p>There are different types of low back pain. It can:</p> <ul> <li>be short-lived, lasting less than six weeks (acute back pain)</li> <li>linger for a bit longer, for six to twelve weeks (sub-acute)</li> <li>stick around for months and even years (chronic, defined as more than 12 weeks).</li> </ul> <p>In <a href="https://www.thelancet.com/article/S0140-6736(16)30970-9/abstract">most cases</a> (90-95%), back pain is non-specific and cannot be reliably linked to a specific cause or underlying disease. This includes common structural changes seen in x-rays and MRIs of the spine.</p> <p>For this reason, imaging of the back is <a href="https://www.thelancet.com/journals/lancet/article/PIIS0140-6736(09)60172-0/abstract">only</a> recommended in rare situations – typically when there’s a clear suspicion of serious back issues, such as after physical trauma or when there is numbness or loss of sensation in the groin or legs.</p> <p>Many people expect to receive <a href="https://www.cochranelibrary.com/cdsr/doi/10.1002/14651858.CD013815.pub2/full">painkillers</a> for their back pain or even surgery, but these are no longer the front-line treatment options due to limited benefits and the high risk of harm.</p> <p>International <a href="https://www.thelancet.com/journals/lancet/article/PIIS0140-6736(18)30489-6/fulltext">clinical guidelines</a> recommend people choose non-drug and non-surgical treatments to relieve their pain, improve function and reduce the distress commonly associated with back pain.</p> <p>So what works for different types of pain? Here’s what <a href="https://www.cochranelibrary.com/cdsr/doi/10.1002/14651858.CD014691.pub2/full">our review found</a> when researchers compared these treatments with standard care (the typical treatment patients usually receive) or no treatment.</p> <h2>What helps for short-term back pain</h2> <p><strong>1. Stay active – don’t rest in bed</strong></p> <p>If your back pain is new, the best advice is also one of the simplest: keep moving despite the pain.</p> <p>Changing the way you move and use your body to protect it, or resting in bed, can seem like to right way to respond to pain – and may have even been recommended in the past. But we know know this excessive protective behaviour can make it harder to return to meaningful activities.</p> <p>This doesn’t mean pushing through pain or hitting the gym, but instead, trying to maintain your usual routines as much as possible. Evidence suggests that doing so won’t make your pain worse, and may improve it.</p> <p><strong>2. Multidisciplinary care, if pain lingers</strong></p> <p>For pain lasting six to 12 weeks, multidisciplinary treatment is likely to reduce pain compared to standard care.</p> <p>This involves a coordinated team of doctors, physiotherapists and psychologists working together to address the many factors contributing to your back pain persisting:</p> <ul> <li> <p>neurophysiological influences refer to how your nervous system is currently processing pain. It can make you more sensitive to signals from movements, thoughts, feelings and environment</p> </li> <li> <p>psychological factors include how your thoughts, feelings and behaviours affect your pain system and, ultimately, the experience of pain you have</p> </li> <li> <p>occupational factors include the physical demands of your job and how well you can manage them, as well as aspects like low job satisfaction, all of which can contribute to ongoing pain.</p> </li> </ul> <h2>What works for chronic back pain</h2> <p>Once pain has been around for more than 12 weeks, it can become more difficult to treat. But relief is still possible.</p> <p><strong>Exercise therapy</strong></p> <p>Exercise – especially programs tailored to your needs and preferences – is likely to reduce pain and help you move better. This could include aerobic activity, strength training or Pilates-based movements.</p> <p>It doesn’t seem to matter what type of exercise you do – it matters more that you are consistent and have the right level of supervision, especially early on.</p> <p><strong>Multidisciplinary treatment</strong></p> <p>As with short-term pain, coordinated care involving a mix of physical, occupational and psychological approaches likely works better than usual care alone.</p> <p><strong>Psychological therapies</strong></p> <p>Psychological therapies for chronic pain include approaches to help people change thinking, feelings, behaviours and reactions that might sustain persistent pain.</p> <p>These approaches are likely to reduce pain, though they may not be as effective in improving physical function.</p> <p><strong>Acupuncture</strong></p> <p>Acupuncture probably reduces pain and improves how well you can function compared to placebo or no treatment.</p> <p>While some debate remains about how it works, the evidence suggests potential benefits for some people with chronic back pain.</p> <h2>What doesn’t work or still raises uncertainty?</h2> <p>The review found that many commonly advertised treatments still have uncertain benefits or probably do not benefit people with back pain.</p> <p>Spinal manipulation, for example, has uncertain benefits in acute and chronic back pain, and it likely does not improve how well you function if you have acute back pain.</p> <p>Traction, which involves stretching the spine using weights or pulleys, probably doesn’t help with chronic back pain. Despite its popularity in some circles, there’s little evidence that it works.</p> <p>There isn’t enough reliable data to determine whether advertised treatments – such back braces, vibrating massage guns and herbal patches – are effective.</p> <h2>How can you use the findings?</h2> <p>If you have back pain, start by considering how long you’ve had it. Then explore treatment options that research supports and discuss them with your GP, psychologist or physiotherapist.</p> <p>Your health provider should reassure you about the importance of gradually increasing your activity to resume meaningful work, social and life activities. They should also support you in making informed decisions about which treatments are most appropriate for you at this stage.</p> <p><!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><em><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/253122/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" />By <a href="https://theconversation.com/profiles/rodrigo-rossi-nogueira-rizzo-1544189">Rodrigo Rossi Nogueira Rizzo</a>, Postdoctoral Research Fellow, <a href="https://theconversation.com/institutions/neuroscience-research-australia-976">Neuroscience Research Australia</a> and <a href="https://theconversation.com/profiles/aidan-cashin-2355450">Aidan Cashin</a>, NHMRC Emerging Leadership Fellow, <a href="https://theconversation.com/institutions/neuroscience-research-australia-976">Neuroscience Research Australia</a></em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/do-any-non-drug-treatments-help-back-pain-heres-what-the-evidence-says-253122">original article</a>.</em></p> <p><em>Image: Shutterstock</em></p> </div>

Body

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Thousands of Aussie women to benefit from cheaper medicine in May

<p>A new treatment for a common painful condition, along with two other drugs, will soon become far more affordable, improving the lives of thousands of Australian women.</p> <p><span style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;">The federal government announced on Sunday that, </span>from May 1, about 8,500 Australian women are expected to benefit annually from the inclusion of Ryeqo on the Pharmaceutical Benefits Scheme (PBS). The drug offers a new treatment option for endometriosis sufferers who experience moderate to severe pain and have not found relief through other hormonal treatments and painkillers.</p> <p>Endometriosis affects one in seven Australian women, with tissue similar to the womb’s lining growing elsewhere in the body, leading to severe pain and potential fertility issues. Symptoms can vary, often causing delays in diagnosis that average six and a half years, according to Endometriosis Australia.</p> <p>Additional subsidies will also reduce the costs of a progestogen-only contraceptive pill and an IVF hormone therapy. Women with low hormone levels will now have earlier access to Pergoveris for $32 per treatment cycle from their first IVF attempt, rather than waiting for multiple failed cycles. An unsubsidised cycle typically costs around $3,500.</p> <p>Adelaide mother Helana Shehadeh <a href="https://7news.com.au/news/thousands-of-australians-to-benefit-from-cheaper-medicine-c-18056149" target="_blank" rel="noopener">told 7News</a> that she used Pergoveris during her second IVF cycle in 2023, resulting in the birth of baby Zayn. She said that it's important to get early access to fertility treatments, adding that, “Anyone who has been through IVF understands the agony of multiple cycles. Earlier access to this fertility treatment will alleviate some of the burden for women undergoing IVF.”</p> <p>The announcement comes as Australia’s birth rate falls to a record low of 1.5 babies per woman. Fertility Society of Australia and New Zealand president Petra Wale welcomed the move, highlighting the financial strain of assisted reproduction. “The cost of assisted reproduction remains a major barrier for many families, particularly amid the ongoing cost-of-living crisis. Fewer financial and logistical hurdles mean more families can focus on what truly matters – having a baby,” she said.</p> <p>“Women have asked government to take their health care seriously," said <span style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;">Health Minister Mark Butler,</span><span style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;"> "and we have listened. These listings could save women and their families thousands of dollars across their lifetimes.”</span></p> <p>Addressing criticism over delays in listing Ryeqo, Butler defended the government’s actions, stating that all recommendations had been handled “expeditiously”. He noted that in the previous nine years under the coalition government, “not a single new pill, not a single endometriosis treatment, not a single menopause treatment” was added to the PBS.</p> <p>The opposition, however, criticised the government for leaving women waiting more than a year for “potentially life-changing medications”. Opposition health spokeswoman Senator Anne Ruston reaffirmed the coalition’s commitment to timely PBS listings for all Pharmaceutical Benefits Advisory Committee-recommended medicines.</p> <p>Additionally, the cost of the contraceptive pill Slinda, used by about 80,000 women, will also be reduced under the PBS. The annual price will drop from approximately $320 to $94 for general patients and to $22 for concession card holders. Slinda, a progestogen-only pill, is particularly suitable for older women, smokers, women at increased risk of blood clots, and those who suffer from migraines.</p> <p><em>Image: Shutterstock</em></p>

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Australia denied exemption from Trump tariffs

<div class="theconversation-article-body"> <p>Australia has failed to win an exemption from Donald Trump’s 25% tariffs on aluminium and steel, but the government has vowed to fight on for a carve out.</p> <p>The White House spokeswoman, Karoline Leavitt, told Australian media in Washington “there will be no exemptions” from the tariffs, which come into effect imminently. Pressed on why, she said “America First steel”.</p> <p>She said, “If they want to be exempted, they should consider moving steel manufacturing here”.</p> <p>Deputy Prime Minister Richard Marles said the government would continue to lobby for an exemption. He pointed out it had taken the Coalition government many months to win a carve out from tariffs under the first Trump administration.</p> <p>“Tariffs don’t make any sense, it’s an act of kind of economic self harm. We’ll be able to find other markets for our steel and our aluminium and we have been diversifying those markets. But we’re obviously really disappointed with this.</p> <p>"I would say, though, we’ll keep advocating to the United States on this issue. Last time around it was nine months before we got an exemption in relation to steel and aluminium out of the Trump administration in its first term. So, we’ll keep pressing the case, we’ll keep diversifying our own trade. But look, there’s no hiding this, we’re really disappointed with this decision.”</p> <p>Opposition deputy leader Sussan Ley said the government “just hasn’t done enough”.</p> <p>“All of the other leaders of the Quad and AUKUS, Japan, India, the UK, travelled to the US, and they had face-to-face meetings, and they did what they needed to do. They advocated fiercely in their country’s interests, but this prime minister has been nowhere to be seen.”</p> <p>But given no exemptions are being provided, a personal trip by the Albanese would likely have had little effect. The PM made the case for an exemption to the president in a call some weeks ago. In that conversation Trump indicated he would consider Australia’s case, but the government quickly became pessimistic about the administration giving it a special deal.</p> <p>BlueScope, while expressing disappointment, saw one silver lining. “BlueScope produces more than 3 million tonnes of steel per annum at its NorthStar BlueScope plant in Delta, Ohio. As the US tariffs come into effect the company expects to see the positive impact from an improvement in steel prices.”</p> <p>Former prime minister Malcolm Turnbull this week predicted Trump would shy away from exemptions this time around. While some observers said Turnbull’s broad attack on Trump, whom he called a bully, could work against Australia’s lobbying, it almost certainly was irrelevant, given all representations were rejected.</p> <p>The Australian concern is less the direct impact of the tariffs – our exports of steel and aluminium to the US are limited – but the fallout from an international trade war that could be sparked by Trump’s policies.<!-- 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/251623/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/michelle-grattan-20316">Michelle Grattan</a>, Professorial Fellow, <a href="https://theconversation.com/institutions/university-of-canberra-865">University of Canberra</a></em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/australia-like-everyone-else-fails-to-win-exemption-from-trumps-tariffs-on-aluminium-and-steel-251623">original article</a>.</em></p> <p><em>Image: Samuel Corum/CNP/Shutterstock Editorial</em></p> </div>

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Beloved champion athlete dies from rare brain tumour

<p>A beloved Australian athlete has tragically died after a high-profile battle with a rare and aggressive brain tumour. </p> <p>Jenny Alcorn, a champion triathlete, passed away on Monday at the age of 66, with her partner Margot Rupe breaking the devastating news. </p> <p>“She pushed every boundary in life and it was incredible,” Rupe said. “She was the love of my life for 20 years, she helped me raise two amazing children."</p> <p>“Yes, triathlon was her life but she always enjoyed all the sports our kids did, she never missed a TSS First 15 game, she never missed a Bond Uni rugby game."</p> <p>“Even on Saturday afternoon, she sat up and watched our son play rugby in Japan, so she was a pretty amazing person."</p> <p>“We’re all heartbroken, our souls are heartbroken, she did everything with love, she loved her family, she loved me, she loved our kids and embraced everything she did.”</p> <p>Alcorn was a sporting legend and Alcorn was recognised just last year at the AusTriathlon Awards, as she was particularly well known in Queensland as a coach, a competitor, and an inspiration to many. </p> <p>In 2016, at the age of 55, Alcorn came out of retirement and won the famous Kona Ironman World Championships in her age group.</p> <p>Last December, Alcorn’s “three-decade contribution” to Australia’s triathlon scene was recognised with the President’s Special Recognition Award, as the Trizone website said, “Her honour highlighted not just her achievements as an athlete and coach, but her inspiring resilience while battling a rare brain tumour."</p> <p>Surfers Paradise Triathlon Club member Dan Teasdale and close friend of Alcorn's paid tribute to his late friend. </p> <p>“She was always a fantastic spectator so you’d hear her yelling out ‘go Danny boy’ on the side of the race,” he said.</p> <p>“She was a very caring, loving person but a tough-as-nails athlete. She never had a bad word to say about anyone she was very inclusive, welcomed everyone and loved the sport triathlon.”</p> <p><em>Image credits: Instagram </em></p>

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Over 350k Aussies to be forced back into the office

<p>Opposition leader Peter Dutton has vowed to end working from home arrangements for public servants, forcing them back into an office five days a week. </p> <p>The leader of the Coalition will end flexible work arrangements for federal government employees, which currently allows them to work from home for two days a week.</p> <p>According to a report in the <a href="https://www.afr.com/policy/economy/coalition-to-force-public-servants-to-return-to-the-office-20250303-p5lge3" target="_blank" rel="noopener" data-link-type="article-inline"><em>Australian Financial Review</em>,</a> the Coalition will also make massive job cuts, slashing about 36,000 jobs, which will save about $6 billion per year, if elected in the upcoming federal election.</p> <p>Prime Minister Anthony Albanese warned that the drastic move would impact frontline workers, meaning slower delivery times for Aussies on benefits, including veterans.</p> <p>Opposition spokeswoman Jane Hume said the government has offered a “blank cheque to work from home” to employees, saying it was “unsustainable” and “not an arrangement that works for everyone”.</p> <p>On Tuesday, <em>7News</em> reporter Nick McCallum and Founding Director of Western Sydney Women, Amanda Rose, spoke with Nat Barr about the policy on <em>Sunrise</em>.</p> <p>“Nick, would there be a revolt if public servants are ordered back to the office?” Barr asked.</p> <p>“I have no doubt there would be. I actually like the policy. I think it is ridiculous that, what is it now, more than 60 per cent of federal public servants have ability to work at home,” McCallum said.</p> <p>“There is a big ‘but’ to all of this: Peter Dutton, it’s a perfect policy for him to sound tough, sound Donald Trump-like, bang his chest and say ‘I am going to demand they come back’ but they’ve recently signed a workplace agreement and under that there is a presumption that they can work at home."</p> <p>“All people in the public service can at least request it. There is a presumption they can do it and there is no limit on the number of days they can actually work from home."</p> <p>“So, he can’t really change that until 2027 anyway. So, call me cynical but it’s a perfect policy for him but at the moment he can’t do a lot about it.”</p> <p><em>Image credits: STEVEN MARKHAM/EPA-EFE/Shutterstock Editorial </em></p>

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From sunscreen to essential oils, why some personal care products could be harmful to your health

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/asit-kumar-mishra-1458839">Asit Kumar Mishra</a>, <a href="https://theconversation.com/institutions/university-college-cork-1321">University College Cork</a></em></p> <p>Each time you apply sunscreen to your face, you may inhale somewhere between <a href="https://www.mdpi.com/1660-4601/20/11/5944">10 to 30 milligrams of ethanol</a>, the type of alcohol used in alcoholic drinks. While the ethanol in sunscreen may not give you a buzz, it could make you think about what other chemicals you might be exposed to from personal care products.</p> <p>Products that are applied to the face, like sunscreen, can increase the inhalation of some chemicals by ten times or more than you would inhale from your <a href="https://pubmed.ncbi.nlm.nih.gov/34816489/">home air in the entire day</a>.</p> <p>The levels of ethanol in cosmetics and skincare products may be reasonably safe – although it can still dry out the skin, causing pain, redness and swelling, and <a href="https://www.gov.uk/government/publications/ethanol-properties-uses-and-incident-management/ethanol-general-information">irritate the eyes</a>, causing tears, burning and stinging – but personal care products such as shampoos, skin creams, deodorants, cosmetics and perfumes contain fragrances and other volatile organic compounds (VOCs), which can be inhaled, absorbed through skin or ingested and some are more toxic than others.</p> <p>Unfortunately, manufacturers of personal care products <a href="https://link.springer.com/article/10.1007/s11869-015-0327-6">do not have to disclose</a> every fragrance compound used. This is concerning when you consider the potential effects of toxic compounds that <a href="https://pubmed.ncbi.nlm.nih.gov/34816489/">have been detected</a> in the air from personal care products. For example, hair-smoothing products have released formaldehyde, a toxic chemical that can cause <a href="https://www.ncbi.nlm.nih.gov/books/NBK597627/">a range of symptoms</a> from dermatitis to low sperm count. Some perfumes and deodorants have generated monoterpenes, chemicals which <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC8912113/#sec1-molecules-27-01716">can prove toxic</a> for some users.</p> <figure><iframe src="https://www.youtube.com/embed/cfloNXKeyX8?wmode=transparent&amp;start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe></figure> <p>Some of the VOCs found in personal care products <a href="https://pubmed.ncbi.nlm.nih.gov/36976159/">may trigger</a> skin irritation, headaches – and difficulty breathing, which can develop into an asthma attack in some users. The highest or peak concentration of these VOCs are likely to <a href="https://pubmed.ncbi.nlm.nih.gov/22406137/">occur within ten minutes</a> of application. But these concentrations may take up to <a href="https://pubmed.ncbi.nlm.nih.gov/34816489/">two hours to decrease to background levels</a>, depending on your home’s ventilation.</p> <h2>Natural doesn’t mean risk free</h2> <p>But even if the levels of <a href="https://pubmed.ncbi.nlm.nih.gov/20659630/">VOCs in personal care products</a> are kept <a href="https://pubmed.ncbi.nlm.nih.gov/22406137/">within safe limits</a>, they can still cause discomfort and a variety of health issues, including irritation of the eyes and airways, migraines and asthmatic reactions, in those who’re <a href="https://enveurope.springeropen.com/articles/10.1186/s12302-020-00311-y">fragrance sensitive</a>. In the UK, <a href="https://link.springer.com/article/10.1007/s11869-018-00655-8">27% of the population</a> self reports as fragrance sensitive.</p> <p>It makes sense then that some people attempt to avoid potentially toxic synthetic chemicals in cosmetics by opting for “natural” or “clean” personal care products. But, <a href="https://enveurope.springeropen.com/articles/10.1186/s12302-020-00311-y">natural does not mean safer</a>.</p> <p>For instance, essential oils are often used in “natural” personal care products as fragrance. Essential oils, though, are a source of terpenes, some of which can be <a href="https://www.lung.org/blog/essential-oils-harmful-or-helpful">toxic if absorbed, inhaled or swallowed</a>.</p> <p>Indoor concentration of terpenes are often at levels where you can smell them but not high enough to cause <a href="https://pubmed.ncbi.nlm.nih.gov/28126407/">eye or respiratory tract irritation</a>. However, the terpenes from essential oils can react with other chemicals, such as ozone from outdoor air, producing <a href="https://pubmed.ncbi.nlm.nih.gov/32162221/">byproducts like formaldehyde, a known carcinogen</a> and <a href="https://pubmed.ncbi.nlm.nih.gov/22250748/">allergens</a>.</p> <h2>Beauty salon safety</h2> <p>Beauty salons can be particularly risky environments for exposure to VOCs. <a href="https://www.mdpi.com/1660-4601/19/7/4176">Studies have found</a> contaminants such as formaldehyde, ammonia and <a href="https://www.gov.uk/government/publications/toluene-properties-incident-management-and-toxicology/toluene-toxicological-overview">toluene</a>, a potentially harmful ingredient used in many personal care products, at high levels in salons, putting staff who work there at the highest risk.</p> <p>Formaldehyde levels in some salons have reached <a href="https://pubmed.ncbi.nlm.nih.gov/31321727/">above safety limits</a>. <a href="https://www.dcceew.gov.au/environment/protection/npi/substances/fact-sheets/methyl-methacrylate#tabs-2">Methyl methacrylate</a>, which can cause skin irritation, allergic reactions and potential <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC3072694/">respiratory issues</a> has been <a href="https://pubmed.ncbi.nlm.nih.gov/30276513/">detected in the air of nail salons</a>.</p> <figure><iframe src="https://www.youtube.com/embed/ydRklqO01fE?wmode=transparent&amp;start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe></figure> <p>These contaminants are not necessarily limited to the places in a salon <a href="https://pubmed.ncbi.nlm.nih.gov/23765035/">where a certain product is being used</a>. Beauty salons with poor ventilation are likely to expose workers and customers to <a href="https://pubmed.ncbi.nlm.nih.gov/29494285/">much higher levels of contaminants</a>. Some of the components of personal care products are known, harmful contaminants and carcinogens.</p> <p>Regulations specifically related to ventilation in environments where large volumes of these products are used do reduce exposures. For instance, studies show that after ventilation regulations came into effect in Boston, US in 2011, the <a href="https://pubmed.ncbi.nlm.nih.gov/31622145/">air quality inside nail salons improved</a>.</p> <p>When visiting your nail salon or hair stylist, check with them about their ventilation system and other steps they are taking to reduce exposure to VOCs.</p> <p>To limit exposure to potential VOCs at home when using personal care products, try to open windows and use extractor fans in wet rooms. Be especially careful when applying products to the face or when using a high temperature application – <a href="https://occup-med.biomedcentral.com/articles/10.1186/s12995-018-0213-x">high temperatures can increase emissions</a>.<!-- 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/248273/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/asit-kumar-mishra-1458839"><em>Asit Kumar Mishra</em></a><em>, Research Fellow in School of Public of Health, <a href="https://theconversation.com/institutions/university-college-cork-1321">University College Cork</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/from-sunscreen-to-essential-oils-why-some-personal-care-products-could-be-harmful-to-your-health-248273">original article</a>.</em></p> </div>

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Marty Sheargold axed from Triple M after Matildas comments

<p>Radio host Marty Sheargold has been axed by Triple M after "disgusting" <a href="https://oversixty.com.au/finance/legal/disgusting-radio-host-slammed-over-women-s-sports-comments" target="_blank" rel="noopener">comments</a> made regarding the Matildas and women's sport.</p> <p>The network confirmed that Sheargold had been let go, as Southern Cross Austereo chief content officer Dave Cameron said in a statement, "Triple M and Marty Sheargold have mutually agreed to part ways."</p> <p>"SCA takes its responsibility to listeners, shareholders, and clients seriously and its programming should align with the standards and expectations of its audience.</p> <p>"Right now, it's clear this is a moment for reflection and review. Triple M will continue to take all necessary steps to support staff. Triple M acknowledges Marty's contribution over the past four years, and we wish him well for the future."</p> <p>After the announcement was made about Sheargold's position at Triple M, he issued his own statement to apologise for the offence he had caused. </p> <p>"Having mutually agreed to part ways with the Triple M Network, I fully understand the gravity of my comments," he said.</p> <p>"I'd like to sincerely apologise to the Matildas and the broader organisation.I would also like to thank my immediate team for their hard work and apologise for the situation they now find themselves in."</p> <p>Sheargold's rant prompted many to speak out in defence of the Matildas and women's sport in general, with respected Channel 7 sports presenter Mel McLaughlin finishing her sports news segment on Wednesday evening with her thoughts on the situation. </p> <p>“Just a word on the bizarre, pathetic, and embarrassing comments we heard earlier regarding our mighty Matildas,” McLaughlin said on Seven.</p> <p>“They obviously do not represent how any of us feel, and hopefully all the girls and boys out there know that.”</p> <p>“This is by no means a backward step on how far we’ve come and women’s football, and women’s sport in general, as we know guys, is awesome.”</p> <p>Matildas coach Tom Sermanni was also among those to scold Sheargold, as he said, "As sporting teams, we're used to criticisms – but sometimes the comments cross the line and that one certainly did cross the line."</p> <p>"It was firstly completely unnecessary and generally outrageous ... And you know, it's something that just from a behavioural perspective is really, very, very disappointing."</p> <p>"For me, it's not so much about sexism and misogyny, in a sense – although that's unacceptable, let me make that clear. It's kind of what the comments were."</p> <p><em>Image credits: Triple M</em></p>

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"A miracle": Man walks away from horror crash

<p>A man has walked away with only minor injuries after surviving a horrific crash in Sydney's north. </p> <p>The horrific scene unfolded when the man's car was crushed after he collided with a truck on the Spit Bridge in Manly on Monday morning. </p> <p>The man in his 40s was cut out of the wreckage by firefighters, with NSW Ambulance confirming that he was taken to Royal North Shore Hospital after sustaining minor injuries to his back and neck.</p> <p>Many people were stunned after seeing images of the mangled vehicle, wondering how the driver managed to walk away relatively unscathed. </p> <p>“How good are those first responders to get him out alive. Bloody heroes every single one of them,” one person said, while another added, “That is a miracle.”</p> <p>“So glad he is OK! He should buy a lotto ticket, thank you to the amazing first responses you do an amazing job,” another said.</p> <p>Fire and Rescue NSW Superintendent Andrew Dewberry told <a href="https://manlyobserver.com.au/spit-bridge-closed-after-car-crushed/" target="_blank" rel="noopener"><em>The Manly Observer</em></a> that the car was "completely crushed and mangled" and it was a "miracle" he survived. </p> <p>Two of three outbound lanes were closed on the bridge for about an hour as emergency crews worked to free the person from the vehicle and clear the scene.</p> <p>Many commuters were stuck in the heavy traffic delays, with dozens of people fleeing standstill buses and trekking along the highway to escape the chaos. </p> <p><em>Image credits: The Manly Observer </em></p> <p><span style="font-family: Helvetica Neue, HelveticaNeue, Helvetica, Arial, sans-serif; font-size: large;"> </span></p>

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Aus Post worker jailed after stealing from packages

<p>An Australia Post contractor has been jailed after stealing $400,000 worth of luxury goods from packages. </p> <p>According to the Australian Federal Police, items such as jewellery, luxury watches, alcohol and gift cards were among the “significant number” of goods stolen from packages between November 2021 and May 2023.</p> <p>The 43-year-old man from Bexley in Sydney was sentenced to imprisonment for two years and three months when he faced the Downing Centre District Court on Tuesday.</p> <p>He is able to be released after serving 15 months on the condition he is then of good behaviour for two years.</p> <p>An investigation began into the thief in May 2023 after a report of “a man tampering with postal packages” was filed. </p> <p>A search warrant executed at the man’s Bexley home uncovered $398,000 worth of stolen items and $39,000 in cash which was the “proceeds of crime from the sale of tobacco the man had taken from mail packages,” AFP said.</p> <p>Police found an estimated $138,000 worth of alcohol, $124,000 of luxury watches, $52,000 of gift cards, and $43,000 of jewellery in the man's home. </p> <p>Police also seized 24g of methamphetamine, 17.8g of ketamine and small quantities of cocaine, MDMA and cannabis during their search of the property.</p> <p>The man pleaded guilty to three charges related to the postal theft, drug possession, and proceeds of crime.</p> <p>AFP acting Superintendent Stuart Millen said the man abused his trusted position with Australia Post for his own personal gain. </p> <p>“Criminals are motivated by profit and greed, and the AFP has zero tolerance for those who abuse employment access for their own illegal pursuits,” he said.</p> <p>“This was an opportunistic attempt to use a trusted position within Australia’s mail delivery system to profit, with no regard to its impact on the community."</p> <p>“People with trusted access are critical to the successful operation of Australia’s trade sectors, but the AFP will not hesitate to investigate and prosecute those who abuse this trust."</p> <p>“The AFP works closely with Australia Post to ensure trusted insiders abusing their position for criminal endeavours are dealt with swiftly to ensure public confidence in the Australian postal system.”</p> <p><em>Image credits: AFP</em></p>

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How downsizing helps create a more comfortable home

<p><span lang="EN-GB">Many older Australians find their home doesn’t work for them anymore. It might feel like there’s too much space, too much maintenance or simply too many unused rooms. This is a common experience across the country, with more than <a style="color: blue;" href="https://www.downsizing.com.au/news/1391/new-data-shows-top-barriers-to-downsizing"><span style="color: #1155cc;">1.8 million households</span></a> planning to downsize in the next five years.</span></p> <p><span lang="EN-GB">Downsizing offers a fresh start in a space that fits your current priorities, but it’s not always easy to figure out the best way forward. If you’re considering this step, these <a style="color: blue;" href="https://www.metricon.com.au/home-truths/here-are-10-top-tips-to-make-downsizing-into-your-dream-home-easy"><span style="color: #1155cc;">downsizing tips</span></a> from Australia’s leading home builder, <a style="color: blue;" href="https://www.metricon.com.au/">Metricon</a>, can help you get started.</span></p> <h2 style="margin: 12pt 0cm 2pt; line-height: 24.5333px; break-after: auto; font-size: 16pt; font-family: Arial, sans-serif; font-weight: normal;"><strong><span lang="EN-GB" style="font-size: 14pt; line-height: 21.4667px;"><img src="https://oversixtydev.blob.core.windows.net/media/2025/02/Metricon2.jpg" alt="" width="1280" height="720" /></span></strong></h2> <h2 style="margin: 12pt 0cm 2pt; line-height: 24.5333px; break-after: auto; font-size: 16pt; font-family: Arial, sans-serif; font-weight: normal;"><strong><span lang="EN-GB" style="font-size: 14pt; line-height: 21.4667px;">How does downsizing help you?</span></strong></h2> <p><span lang="EN-GB">There are a lot of ways <a style="color: blue;" href="https://www.metricon.com.au/downsizing"><span style="color: #1155cc;">downsizing</span></a> can make life easier. With less space to look after, cleaning and maintenance become much easier. You’ll spend less time worrying about the house and more time doing things you actually enjoy. Your energy bills might also go down since it takes less power to heat or cool a smaller home.</span></p> <p><span lang="EN-GB">Downsizing can also give you more financial freedom. Selling a larger property means you can put that value toward what matters most, like travelling, pursuing hobbies or helping out loved ones.</span></p> <h2 style="margin: 12pt 0cm 2pt; line-height: 24.5333px; break-after: auto; font-size: 16pt; font-family: Arial, sans-serif; font-weight: normal;"><strong><span lang="EN-GB" style="font-size: 14pt; line-height: 21.4667px;"><img src="https://oversixtydev.blob.core.windows.net/media/2025/02/Metricon3.jpg" alt="" width="1280" height="720" /></span></strong></h2> <h2 style="margin: 12pt 0cm 2pt; line-height: 24.5333px; break-after: auto; font-size: 16pt; font-family: Arial, sans-serif; font-weight: normal;"><strong><span lang="EN-GB" style="font-size: 14pt; line-height: 21.4667px;">Is downsizing right for you?</span></strong></h2> <p><span lang="EN-GB">When your home starts to feel impractical or harder to manage, downsizing could be the right choice. Unused rooms and constant upkeep can quickly become overwhelming, making it clear that your current space no longer meets your needs. Moving to a smaller, more manageable home can simplify your life and let you focus on what matters most.</span></p> <h2 style="margin: 12pt 0cm 2pt; line-height: 24.5333px; break-after: auto; font-size: 16pt; font-family: Arial, sans-serif; font-weight: normal;"><strong><span lang="EN-GB" style="font-size: 14pt; line-height: 21.4667px;">When should you downsize?</span></strong></h2> <p><span lang="EN-GB">There’s no single right time to downsize, as it depends on your situation. However, moving earlier often makes the transition less stressful and gives you more control over the process. If managing your home is becoming physically or financially demanding, or if the upkeep feels too much to handle, it might be time to consider your options.</span></p> <h2 style="margin: 14pt 0cm 6pt; line-height: 24.5333px; break-after: auto; font-size: 16pt; font-family: Arial, sans-serif; font-weight: normal;"><strong><span lang="EN-GB" style="font-size: 14pt; line-height: 21.4667px;"><img src="https://oversixtydev.blob.core.windows.net/media/2025/02/Metricon4.jpg" alt="" width="1280" height="720" /></span></strong></h2> <h2 style="margin: 14pt 0cm 6pt; line-height: 24.5333px; break-after: auto; font-size: 16pt; font-family: Arial, sans-serif; font-weight: normal;"><strong><span lang="EN-GB" style="font-size: 14pt; line-height: 21.4667px;">How to declutter when you’re ready to downsize</span></strong></h2> <p><span lang="EN-GB">Decluttering for downsizing is easier when you focus on what truly matters. Ask yourself if each thing you own is something you use or genuinely value. Anything you no longer need can be donated, sold or given to family or friends. For sentimental items, keep a few meaningful pieces and take photos of the rest to preserve memories without cluttering your new space.</span></p> <h2 style="margin: 12pt 0cm 2pt; line-height: 24.5333px; break-after: auto; font-size: 16pt; font-family: Arial, sans-serif; font-weight: normal;"><strong><span lang="EN-GB" style="font-size: 14pt; line-height: 21.4667px;">What to look for in your next home?</span></strong></h2> <p><span lang="EN-GB">Your downsized home should be manageable, comfortable and practical. Think about how much space you really need. Homes with two to three bedrooms usually provide enough room for guests, hobbies or even extra storage without being overwhelming. To make the most of your new space, look for smart layouts that are easy to navigate and keep organised.</span></p> <p><span lang="EN-GB">Don’t forget about the location. Being close to shops, medical centres, and public transport makes getting around easier and saves you time. You might also prioritise energy-efficient <a style="color: blue;" href="https://www.metricon.com.au/house-designs/melbourne"><span style="color: #1155cc;">house designs</span></a>, open layouts and low-maintenance gardens to enjoy a more manageable lifestyle.</span></p> <h2 style="margin: 12pt 0cm 2pt; line-height: 24.5333px; break-after: auto; font-size: 16pt; font-family: Arial, sans-serif; font-weight: normal;"><strong><span lang="EN-GB" style="font-size: 14pt; line-height: 21.4667px;"><img src="https://oversixtydev.blob.core.windows.net/media/2025/02/Metricon5.jpg" alt="" width="1280" height="720" /></span></strong></h2> <h2 style="margin: 12pt 0cm 2pt; line-height: 24.5333px; break-after: auto; font-size: 16pt; font-family: Arial, sans-serif; font-weight: normal;"><strong><span lang="EN-GB" style="font-size: 14pt; line-height: 21.4667px;">Start downsizing today</span></strong></h2> <p><span lang="EN-GB">Downsizing can feel like a big decision, but it’s also an exciting chance to find a home that fits your lifestyle now and in the years to come. With so many options, having experts guide you through the process can make everything easier.</span></p> <p><span lang="EN-GB"><a style="color: blue;" href="https://www.metricon.com.au/">Metricon</a> offers a wide range of thoughtfully designed, easy-to-manage homes. Visit their website to explore the options or chat to their friendly team today on 1300 786 773.</span></p> <p><em><span lang="EN-GB">Images: Supplied</span></em></p> <p><em><span lang="EN-GB">This is a sponsored article produced in partnership with Metricon</span></em></p>

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Jimmy Barnes recovers from hip replacement surgery

<p>Jimmy Barnes is recovering from hip replacement surgery. </p> <p>The rocker, who has endured a tough years-long health battle, told fans over the weekend that he would be undergoing a hip replacement, and now his wife Jane Mahoney, has shared a positive health update. </p> <p>Jane informed fans via X that Barnes' surgery is complete, alongside a photo of the singer eating soup on his hospital bed. </p> <p>"Hi everyone, @jane13barnes here," she began.</p> <p>"Relieved to let you know that our Jimmy has had his hip op. Surgeons are happy and no ICU, so we're off to a good start.</p> <p>"No turntable allowed yet but good home cooking was on the menu. Bone broth and chicken soup with our organic potatoes and spinach for iron.</p> <p>"Jimmy says thank you for all the well wishes."</p> <blockquote class="twitter-tweet"> <p dir="ltr" lang="en">Hi everyone, <a href="https://twitter.com/jane13barnes?ref_src=twsrc%5Etfw">@jane13barnes</a> here. Relieved to let you know that our Jimmy has had his hip op. Surgeons are happy and no ICU, so we’re off to a good start. No turntable allowed yet but good home cooking was on the menu. Bone broth and chicken soup with our organic potatoes and… <a href="https://t.co/HMtl9BBTcM">pic.twitter.com/HMtl9BBTcM</a></p> <p>— Jimmy Barnes (@JimmyBarnes) <a href="https://twitter.com/JimmyBarnes/status/1888867076661727235?ref_src=twsrc%5Etfw">February 10, 2025</a></p></blockquote> <p>Barnes previously revealed in a candid X post that the surgery was  "actually good news."</p> <p>"My incredible doctors have just cleared me to go back in next week to have my hip replaced with a permanent joint. Hooray!" he cheered.</p> <p>"I'm obviously not looking forward to more surgery, but believe it or not, it's actually good news.</p> <p>"It might surprise you all to know that I'm not a good patient, so apologies in advance to my darling Jane [who] is going to be back in nursing mode for the next few weeks.</p> <p>"But the temporary hip that I had in there for the last few months did its job and it got me through the amazing Cold Chisel' Big Five-0' tour.</p> <p>"I'd like to send out a big thank you to the very talented physios who strapped me up like I was in the grand final every night. That got me through the shows."</p> <p>The star's health battle began in November 2023 after he was diagnosed with a bacterial infection and later had to undergo open heart surgery in December. </p> <p><em>Image: X</em></p>

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To keep your cool in a heatwave, it may help to water your trees

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/gregory-moore-1779">Gregory Moore</a>, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a></em></p> <p><a href="https://knowledge.aidr.org.au/resources/heatwave/">Heatwaves</a> are among the world’s <a href="https://wmo.int/topics/heatwave#:%7E:text=Impact,died%20from%20heat%2Drelated%20stress.">deadliest</a> weather hazards. Every year, vast numbers of people are <a href="https://www.sciencedirect.com/science/article/pii/S1462901114000999">killed by heat stress</a> and it can worsen health problems such as <a href="https://www.who.int/news-room/fact-sheets/detail/climate-change-heat-and-health">diabetes, asthma and heart disease</a>.</p> <p>Unfortunately, the bitumen roads, brick and concrete structures and roofing tiles in cities can absorb and retain vast amounts of heat, much of which is released after the sun has set. This creates what’s known as the <a href="https://www.climatechange.environment.nsw.gov.au/impacts-climate-change/built-environment/urban-heat">urban heat island effect</a>. In fact, temperatures can be <a href="https://www.climatechange.environment.nsw.gov.au/impacts-climate-change/built-environment/urban-heat#:%7E:text=and%20rural%20environments.-,In%20large%20cities%2C%20average%20temperatures%20can%20be%201%C2%B0C,parts%20experiencing%20even%20higher%20temperatures.">significantly higher in cities</a> than in <a href="https://greenly.earth/en-us/blog/ecology-news/6-key-things-to-know-about-urban-heat-islands">surrounding or rural areas</a>.</p> <p>Trees and greenspace can <a href="https://wwf.org.au/blogs/trees-lower-temperatures-in-a-sydney-street-by-20-degrees/">drive down urban temperatures</a> – but they must be able to draw water from the soil to achieve these massive cooling effects.</p> <p>In other words, it can sometimes be helpful to water your trees during a heatwave.</p> <h2>How trees keep us cool (and no, it’s not just about shade)</h2> <p>Trees reduce urban temperatures in two significant ways. One is by the shade they provides and the other is through their cooling effect – and no, they’re not the same thing.</p> <p>Water is taken up via a plant’s roots, moves through the stems or trunks and is then misted into the air from the leaves through little holes called stomata. This is called transpiration, and it helps cool the air around leaves.</p> <figure class="align-center zoomable"><a href="https://images.theconversation.com/files/640861/original/file-20250107-15-dfepgd.jpg?ixlib=rb-4.1.0&amp;q=45&amp;auto=format&amp;w=1000&amp;fit=clip"><img src="https://images.theconversation.com/files/640861/original/file-20250107-15-dfepgd.jpg?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/640861/original/file-20250107-15-dfepgd.jpg?ixlib=rb-4.1.0&amp;q=45&amp;auto=format&amp;w=600&amp;h=615&amp;fit=crop&amp;dpr=1 600w, https://images.theconversation.com/files/640861/original/file-20250107-15-dfepgd.jpg?ixlib=rb-4.1.0&amp;q=30&amp;auto=format&amp;w=600&amp;h=615&amp;fit=crop&amp;dpr=2 1200w, https://images.theconversation.com/files/640861/original/file-20250107-15-dfepgd.jpg?ixlib=rb-4.1.0&amp;q=15&amp;auto=format&amp;w=600&amp;h=615&amp;fit=crop&amp;dpr=3 1800w, https://images.theconversation.com/files/640861/original/file-20250107-15-dfepgd.jpg?ixlib=rb-4.1.0&amp;q=45&amp;auto=format&amp;w=754&amp;h=772&amp;fit=crop&amp;dpr=1 754w, https://images.theconversation.com/files/640861/original/file-20250107-15-dfepgd.jpg?ixlib=rb-4.1.0&amp;q=30&amp;auto=format&amp;w=754&amp;h=772&amp;fit=crop&amp;dpr=2 1508w, https://images.theconversation.com/files/640861/original/file-20250107-15-dfepgd.jpg?ixlib=rb-4.1.0&amp;q=15&amp;auto=format&amp;w=754&amp;h=772&amp;fit=crop&amp;dpr=3 2262w" alt="A diagram shows how transpiration happens." /></a><figcaption><span class="caption">Transpiration helps cools the air around a plant’s leaves.</span> <span class="attribution"><a class="source" href="https://www.shutterstock.com/image-vector/transpiration-stages-plants-roots-absorb-water-1856372440">grayjay/Shutterstock</a></span></figcaption></figure> <p>Water can also evaporate from soil and other surfaces. The combined loss of water from plants and soil is called evapotranspiration.</p> <p>The cooling effects of evapotranspiration vary but are up to <a href="https://www.sciencedirect.com/science/article/pii/S2095311913605432#:%7E:text=Our%20literature%20review%20suggests%20that,ways%20of%20reducing%20urban%20temperatures">4°C</a>, depending on other environmental factors.</p> <h2>Watering your trees</h2> <p>If heatwaves occur in generally hot, dry weather, then trees will provide shade – but some may struggle with transpiration if the soil is too dry.</p> <p>This can reduce the cooling effect of trees. Keeping soil moist and plants irrigated, however, can change that.</p> <p>The best time to irrigate is early in the morning, as the water is less likely to evaporate quickly before transpiration can occur.</p> <p>You don’t need to do a deep water; most absorbing roots are close to the <a href="https://theconversation.com/here-are-5-practical-ways-trees-can-help-us-survive-climate-change-129753">surface</a>, so a bit of brief irrigation will often do the trick. You could also recycle water from your shower. Using mulch helps trap the water in the soil, giving the roots time to absorb it before it evaporates.</p> <p>All transpiring plants have a cooling effect on the air surrounding them, so you might wonder if trees have anything special to offer in terms of the urban heat island effect and heatwaves.</p> <p>Their great size means that they provide much larger areas of shade than other plants and if they are transpiring then there are greater cooling effects.</p> <p>The surface area of tree leaves, which is crucial to the evaporative cooling that takes place on their surfaces, is also much greater than many other plants.</p> <p>Another advantage is that trees can be very long lived. They <a href="https://www.epa.gov/heatislands/using-trees-and-vegetation-reduce-heat-islands">provide shade, cooling and other benefits</a> over a very long time and at relatively low cost.</p> <h2>Not all trees</h2> <p>All that said, I don’t want to overstate the role of urban trees in heatwaves when soils are dry.</p> <p>Some trees cease transpiring early as soils dry, but <a href="https://auf.isa-arbor.com/content/39/3/109">others will persist</a> until they wilt.</p> <p>Careful tree selection can help <a href="https://treenet.org/resource/it-isnt-rocket-science-street-trees-can-make-a-difference-in-climate-change/">maximise the cooling effects</a> of the urban forest. Trees that suit the local soil and can cope with some drying while maintaining transpiration can provide greater cooling</p> <p>And, of course, it is important to follow any <a href="https://www.water.vic.gov.au/for-households/water-restrictions-and-rules/permanent-water-saving-rules">water restriction</a> <a href="https://www.nsw.gov.au/environment-land-and-water/drought/water-restrictions">rules</a> or <a href="https://www.sydneywater.com.au/water-the-environment/what-we-are-doing/water-wise-guidelines.html">guidelines</a> that may be operating in your area at the time.</p> <h2>Trees keep us cool</h2> <p>Despite the clear benefits trees can provide in curbing heat, tree numbers and canopy cover are declining annually in many Australian cities and towns.</p> <p>Housing development still occurs without proper consideration of how trees and greenspace improve residents’ quality of life.</p> <p>It is not an either/or argument. With proper planning, <a href="https://theconversation.com/adelaide-is-losing-75-000-trees-a-year-tree-removal-laws-must-be-tightened-if-we-want-our-cities-to-be-liveable-and-green-216990">you can have both</a> new housing and good tree canopy cover.</p> <p>We should also be cautious of <a href="https://au.news.yahoo.com/trees-butchered-by-power-company-highlight-common-problem-its-sad-012952515.html?guccounter=1">over-pruning</a> urban trees.</p> <p>Trees cannot eliminate the effects of a heatwave but can mitigate some of them.</p> <p>Anything that we can do to mitigate the urban heat island effect and keep our cities and towns cooler will reduce heat-related illness and associated medical costs.<!-- 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/246486/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/gregory-moore-1779">Gregory Moore</a>, Senior Research Associate, School of Agriculture, Food and Ecosystem Sciences, <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/to-keep-your-cool-in-a-heatwave-it-may-help-to-water-your-trees-246486">original article</a>.</em></p> </div>

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