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Gina Rinehart urges Liberal Party to embrace Trumpism after crushing defeat

<p>Mining billionaire and Australia’s richest person, Gina Rinehart, has urged the Liberal Party to adopt policies inspired by Donald Trump in the wake of the Coalition's heavy federal election loss over the weekend.</p> <p>In a statement <a href="https://www.ginarinehart.com.au/comment-from-mrs-gina-rinehart-ao-regarding-the-election-results/" target="_blank" rel="noopener">published on her personal website</a>, Rinehart blamed the defeat on left-leaning media outlets and what she described as the party's failure to adopt bold, pro-business, Trump-style reforms.</p> <p>“The left media did a very successful effort, frightening many in the Liberal Party from anything Trump and away from any Trump-like policies,” Rinehart wrote.</p> <p>“This has been especially obvious this year, with the Liberals instead becoming known as the 'me too' party. Trump-style ‘make Australia great’ policies via cutting government tape, government bureaucracy and wastage, and hence being able to cut taxes, [were] too scarce in Australia this year.”</p> <p>Rinehart, whose net worth is estimated at $46.5 billion, has long supported the Liberal Party and has personally backed senior figures including former opposition leader Peter Dutton, notably providing him with flights on her private jet. She is also a vocal Trump supporter, having attended his election night party at Mar-a-Lago last year.</p> <p>Under Dutton’s leadership, the Coalition campaigned on cutting tens of thousands of public service jobs and named Senator Jacinta Nampijinpa Price as the shadow spokesperson for government efficiency – moves widely seen as echoing Trump-era governance tactics.</p> <p>Despite Rinehart’s praise, Trump himself distanced from Dutton this week, telling reporters he had "no idea" who the former Liberal leader was, while describing re-elected Prime Minister Anthony Albanese as "very good" and "very, very nice".</p> <p>Rinehart’s position contrasts sharply with that of many within the political mainstream who argue that aligning with Trump-like policies alienates centrist voters. During election night coverage, Nationals Senator Bridget McKenzie acknowledged that the "Trump factor" may have influenced voter sentiment and contributed to the Coalition’s defeat.</p> <p>Former senior Liberals have also weighed in. Simon Birmingham, former Senate leader and finance minister, argued the party must reclaim its centrist identity. “The broadchurch model of a party that successfully melds liberal and conservative thinking is clearly broken,” Birmingham said. “The Liberal Party is not seen as remotely liberal and the brand of conservatism projected is clearly perceived as too harsh and out of touch.”</p> <p>Still, Rinehart remains unmoved in her call for a sharp ideological pivot to the right. “No doubt the left media will now try to claim that the Liberal loss was because the Liberal Party followed Trump and became too right! The two simply don't add up,” she said. “It’s important to not throw away truth and analysing skills, and instead learn from the loss and rebuild.”</p> <p>Rinehart also took aim at what she sees as a lack of economic understanding among Australians, stating that “too many Aussies seem very short on understanding that new investment is needed to create revenue and living standards”.</p> <p>Despite her disappointment with the election outcome, Rinehart concluded her statement with a conciliatory note, wishing Albanese well as he begins his second term.</p> <p>“Australians have overwhelmingly voted in a returning ... PM and government, we must wish him well, with carefully considered policies,” she wrote.</p> <p><em>Image: ginarinehart.com.au</em></p>

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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>

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Coalition faces leadership crisis after devastating defeat

<p>The Coalition is reeling from a crushing federal election defeat that has triggered a leadership vacuum, widespread soul-searching, and an urgent need for reinvention. After suffering an historic landslide loss, the party is now sifting through the wreckage of what many insiders are calling one of the most chaotic and miscalculated campaigns in recent memory.</p> <p>Opposition Leader Peter Dutton fronted the media on election night to accept responsibility for the outcome, which saw the loss of several senior Liberal figures and a significant erosion of the party's base.</p> <p>"There are good members, good candidates who have lost their seats or their ambition. And I'm sorry for that," Dutton said in a sombre concession speech.</p> <p>Nationals leader David Littleproud pointed to what he described as a brutal character assassination campaign by Labor, which he claimed rendered Dutton "unelectable in his own electorate and across the country".</p> <p>But political analysts say the problems run much deeper than Dutton’s public image. Nine’s national affairs editor Andrew Probyn argued that the Coalition failed to present a coherent and inspiring vision to voters, despite widespread discontent over cost-of-living pressures.</p> <p>Among the missteps was a proposal to end remote work for public servants – a plan that was swiftly abandoned early in the campaign – and a pledge to cut 41,000 public service jobs. The job-slashing rhetoric drew uncomfortable comparisons to the political style of Donald Trump, a connection reinforced by Senator Jacinta Nampijinpa Price’s controversial “make Australia great again” remark.</p> <p>“Restoring a viable opposition will start with recognising what went wrong,” Probyn said. “And it’ll need a new leader who’s prepared to take the party in a new direction.” Among those tipped to contest the leadership are Angus Taylor, Andrew Hastie, Sussan Ley and Dan Tehan.</p> <p>Former Coalition Minister Christopher Pyne echoed calls for change, urging the party to shift back towards the political centre if it hopes to win back mainstream support.</p> <p>Treasurer Jim Chalmers, fresh from Labor’s emphatic win, said voters had rejected what he termed the Coalition’s “backward-looking pessimism”.</p> <p>Nine political editor Charles Croucher said the result reflected a “seismic shift” in the electorate. “Labor ran a very disciplined campaign, surprised the electorate with tax cuts, and executed brutally effective attacks on Peter Dutton,” he said.</p> <p>Croucher also pointed to external factors that compounded the Coalition’s woes, including the global impact of Donald Trump’s tariffs and the party’s faltering stance on nuclear power. “For the Coalition, the campaign was disastrous,” he said. “Bad plus bad plus bad equals really bad for Peter Dutton.”</p> <p>As the dust settles, the Coalition must not only choose a new leader, but also decide what kind of party it wants to be in a rapidly changing political landscape.</p> <p><em>Image: ABC News</em></p>

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Why are political parties allowed to send spam texts? And how can we make them stop?

<div class="theconversation-article-body"> <p>Another election, another wave of unsolicited political texts. Over this campaign, our digital mailboxes have been stuffed with a slew of political appeals and promises, many from the new party Trumpet of Patriots (backed by Clive Palmer, a <a href="https://www.abc.net.au/news/2019-01-11/clive-palmer-united-australia-party-unsolicited-text-messages/10709106">veteran</a> of the mass text campaign).</p> <p>The practice isn’t new, and it’s totally legal under current laws. It’s also non-partisan. Campaigns of all stripes have partaken. Behold, the Liberal Party’s <a href="https://www.sbs.com.au/news/article/liberal-party-defends-sending-text-messages-to-voters-on-asylum-seeker-boat-intercepts/mmqwk5508">last-minute SMS</a> to voters about asylum seekers before the 2022 federal election, or Labor’s controversial “<a href="https://www.smh.com.au/politics/federal/federal-election-2016-shorten-confirms-labor-sent-mediscare-text-20160705-gpzasl.html">Mediscare</a>” text before the 2016 poll. Despite multiple cycles of criticism, these tactics remain a persistent feature of Australian election campaigns.</p> <p>A recent proposal to update decades-old rules could help change things – if a government would put it into practice.</p> <h2>What does the law say about political spam?</h2> <p>Several laws regulate spam and data collection in Australia.</p> <p>First, there is the Spam Act. This legislation requires that organisations obtain our consent before sending us marketing emails, SMSs and instant messages. The unsubscribe links you see at the bottom of spam emails? Those are mandated by the Spam Act.</p> <p>Second, the Do Not Call Register (DNCR) Act. This Act establishes a “do not call” register, managed by the <a href="https://www.acma.gov.au/say-no-to-telemarketers">Australian Communications and Media Authority</a> (ACMA), which individuals can join to opt out of telemarketing calls.</p> <p>Finally, there is the Privacy Act, which governs how organisations collect, use and disclose our personal information. Among other things, the Privacy Act requires that organisations tell us when and why they are collecting our personal information, and the purposes for which they intend to use it. It restricts organisations from re-purposing personal information collected for a particular purpose, unless an exception applies.</p> <p>This trio of laws was designed to offer relief from unsolicited, unwanted direct marketing. It does not, however, stop the deluge of political spam at election time due to broad political exemptions sewn into the legislation decades ago.</p> <p>The Spam Act and DNCR Act apply to marketing for goods and services but not election policies and promises, while the Privacy Act contains a <a href="https://classic.austlii.edu.au/au/journals/UNSWLawJl/2021/21.html#fn13">carve-out</a> for political parties, representatives and their contractors.</p> <p>The upshot is that their campaigns are free to spam and target voters at will. Their only obligation is to disclose who authorised the message.</p> <h2>How do political campaigns get our information?</h2> <p>Secrecy about the nature and extent of campaign data operations, enabled by the exemptions, makes it difficult to pinpoint precisely where a campaign might have obtained your data from.</p> <p>There are, however, a number of ways political campaigns can acquire our information.</p> <p>One source is the electoral roll (though not for phone numbers, as the Australian Electoral Commission <a href="https://x.com/AusElectoralCom/status/1434752533294194692">often points out</a>). Incumbent candidates might build on this with information they obtain through contact with constituents which, thanks to the exemptions, they’re allowed to re-purpose for campaigning at election time.</p> <p>Another source is data brokers – firms which harvest, analyse and sell large quantities of data and profiles.</p> <p>We know the major parties have long maintained voter databases to support their targeting efforts, which have become <a href="https://www.abc.net.au/news/2022-05-19/behind-liberal-labor-data-arms-race-this-election/101074696">increasingly sophisticated</a> over the years.</p> <p>Other outfits might take more haphazard approaches – former MP <a href="https://www.smh.com.au/politics/federal/united-australia-party-leader-craig-kelly-defends-spam-messages-20210829-p58mv7.html">Craig Kelly</a>, for example, claimed to use software to randomly generate numbers for his texting campaign in 2021.</p> <h2>What can be done?</h2> <p>Unwanted campaign texts are not only irritating to some. They can be misleading.</p> <p>This year, there have been <a href="https://www.abc.net.au/news/2025-04-17/monique-ryan-polling-amelia-hamer-trust-fund-kooyong/105185290">reports</a> of “push polling” texts (pseudo surveys meant to persuade rather than gauge voter options) in the marginal seat of Kooyong. The AEC has <a href="https://www.aec.gov.au/media/2025/03-31a.htm">warned</a> about misleading postal vote applications being issued by parties via SMS.</p> <figure class="align-right zoomable"><a href="https://images.theconversation.com/files/664617/original/file-20250429-74-yothae.jpg?ixlib=rb-4.1.0&q=45&auto=format&w=1000&fit=clip"><img src="https://images.theconversation.com/files/664617/original/file-20250429-74-yothae.jpg?ixlib=rb-4.1.0&q=45&auto=format&w=237&fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/664617/original/file-20250429-74-yothae.jpg?ixlib=rb-4.1.0&q=45&auto=format&w=600&h=738&fit=crop&dpr=1 600w, https://images.theconversation.com/files/664617/original/file-20250429-74-yothae.jpg?ixlib=rb-4.1.0&q=30&auto=format&w=600&h=738&fit=crop&dpr=2 1200w, https://images.theconversation.com/files/664617/original/file-20250429-74-yothae.jpg?ixlib=rb-4.1.0&q=15&auto=format&w=600&h=738&fit=crop&dpr=3 1800w, https://images.theconversation.com/files/664617/original/file-20250429-74-yothae.jpg?ixlib=rb-4.1.0&q=45&auto=format&w=754&h=927&fit=crop&dpr=1 754w, https://images.theconversation.com/files/664617/original/file-20250429-74-yothae.jpg?ixlib=rb-4.1.0&q=30&auto=format&w=754&h=927&fit=crop&dpr=2 1508w, https://images.theconversation.com/files/664617/original/file-20250429-74-yothae.jpg?ixlib=rb-4.1.0&q=15&auto=format&w=754&h=927&fit=crop&dpr=3 2262w" alt="Screenshot of a text message from Trumpet of Patriots." /></a><figcaption><span class="caption">This election campaign has seen a flood of texts from Trumpet of Patriots, among others.</span> <span class="attribution"><span class="source">The Conversation</span>, <a class="license" href="http://creativecommons.org/licenses/by-sa/4.0/">CC BY-SA</a></span></figcaption></figure> <p>Generative AI is hastening the ability to produce misleading content, cheaply and at scale, which can be quickly pushed out across an array of online social and instant messaging services.</p> <p>In short, annoying texts are just one visible symptom of a wider vulnerability created by the political exemptions.</p> <p>The basic argument for the political exemptions is to facilitate freedom of political communication, which is protected by the Constitution. As the High Court has said, that freedom is necessary to support informed electoral choice. It does not, however, guarantee speakers a <a href="http://www6.austlii.edu.au/cgi-bin/viewdoc/au/cases/cth/HCA/2019/11.html">captive audience</a>.</p> <p>In 2022, the Attorney-General’s Department <a href="https://www.ag.gov.au/sites/default/files/2023-02/privacy-act-review-report_0.pdf">proposed</a> narrowing the political exemptions, as part of a suite of updates to the Privacy Act. Per the proposal, parties and representatives would need to be more transparent about their data operations, provide voters with an option to unsubscribe from targeted ads, refrain from targeting voters based on “sensitive information”, and handle data in a “fair and reasonable” manner.</p> <p>The changes would be an overdue but welcome step, recognising the <a href="https://bridges.monash.edu/articles/journal_contribution/Conceptualising_Voter_Privacy_in_the_Age_of_Data-Driven_Political_Campaigning/27330276?file=50073381">essential role</a> of voter privacy in a functioning democratic system.</p> <p>Unfortunately, the government has not committed to taking up the proposal.</p> <p>A bipartisan lack of support is likely the biggest obstacle, even as the gap created by the political exemptions widens, and its rationale becomes flimsier, with each election cycle.<!-- 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/255413/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/tegan-cohen-1331144">Tegan Cohen</a>, Postdoctoral Research Fellow, Digital Media Research Centre, <a href="https://theconversation.com/institutions/queensland-university-of-technology-847">Queensland University of Technology</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/why-are-political-parties-allowed-to-send-spam-texts-and-how-can-we-make-them-stop-255413">original article</a>.</em></p> <p><em>Image: Shutterstock</em></p> </div>

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What would – and should – happen to the ABC under the next federal government?

<div class="theconversation-article-body">Who could possibly argue with the idea that the ABC should be efficiently run and produce excellent programs?</p> <p>No one, you would think. So why, then, has there been immediate resistance to Opposition Leader Peter Dutton’s <a href="https://www.smh.com.au/politics/federal/dutton-tells-abc-to-show-excellence-or-face-funding-razor-gang-20250402-p5lofu.html">statement</a> that, if elected next month, a Coalition government would “reward excellence” and “keep funding in place” if the ABC is “being run efficiently”?</p> <p>The fact that Coalition governments – and Dutton himself – have historically been deeply hostile to the public broadcaster is part of it. Many have picked up on the implicit threat that if his government did not find “excellence”, its funding would be cut.</p> <p>But there’s more than that. For example, who defines “excellence” and “efficiency”?</p> <p>Second, the ABC is set up by statute to be run independent of government.</p> <p>Third, the ABC has been subjected to a slew of efficiency reviews, in 1988, 1997, <a href="https://www.abc.net.au/news/2006-03-15/abc-efficient-under-funded-kpmg-report/8183700">2006</a>, <a href="https://www.infrastructure.gov.au/sites/default/files/ABC_and_SBS_efficiency_report_Redacted.pdf?acsf_files%20_redirect">2014</a> and <a href="https://www.infrastructure.gov.au/sites/default/files/2018-national-broadcasters-efficiency-review-redacted.pdf">2018</a>. Overwhelmingly, they found the ABC does more with fewer resources than its counterparts in the commercial media.</p> <p>For example, in 2006, at the behest of the Coalition government led by John Howard, KPMG found the ABC was a “broadly efficient organisation” providing a “high volume of outputs and quality relative to the level of funding it receives”.</p> <p>Let’s translate the consulting-speak. The ABC’s annual budget of $1.2 billion costs $43 per person in Australia. The cheapest subscription to Netflix costs more than twice that amount - $95.88 – and of course the ABC provides much more than a single streaming service.</p> <p>Fourth, Coalition governments’ record of antipathy towards the ABC is most obvious in how they fund it.</p> <hr /> <p><iframe id="WOgDZ" class="tc-infographic-datawrapper" style="border: 0;" src="https://datawrapper.dwcdn.net/WOgDZ/" width="100%" height="400px" frameborder="0" scrolling="no"></iframe></p> <hr /> <p>As ABC chair Kim Williams said <a href="https://www.abc.net.au/about/media-centre/speeches-and-articles/abc-chair-kim-williams-am-address-to-the-melbourne-press-club/105132866">last week</a>, in real terms the ABC’s funding is $150 million less than it was in 2013 when the coalition last came to power. This is notwithstanding the current Labor government’s restoring of at least some lost funding.</p> <p>Add to this the fear that Dutton is seeking to emulate Donald Trump. Amid the tempest of economic and social measures the US president has brought in since his inauguration in January, his attacks on public and international broadcasting have passed unnoticed by many.</p> <p>By executive order, Trump has <a href="https://mailchi.mp/poynter/president-trumps-latest-press-target-voice-of-america?e=1e851c3327">abolished Voice of America </a>(VOA), which began during the second world war. VOA has provided news to nearly 50 countries, including those that did not have press freedom. Its broadcasts are by statute meant to be accurate and objective. It has been an arm of soft power diplomacy for the US.</p> <p>Trump has also threatened to defund the public broadcasters, National Public Radio (NPR) and the Public Broadcasting Service (PBS), labelling them “radical left monsters”.</p> <p>The difference between public broadcasting in the US and Australia is that for the former, the government provides only a small percentage of its funding. Most of it comes from donations from citizens, grants from foundations and corporate sponsorship, according to <a href="https://www.forbes.com/sites/antoniopequenoiv/2025/03/27/will-trump-defund-npr-and-pbs-heres-what-we-know-as-president-attacks-the-broadcasters/">a recent report</a> in Forbes.</p> <p>PBS and NPR occupy a smaller part of the overall US media landscape than the ABC and SBS in Australia, but NPR’s reporters in particular have been actively, if dispassionately, reporting on the Trump Mark II administration’s tumultuous first few months.</p> <p>Like the VOA, the ABC’s international broadcasting arm is largely invisible to audiences in its host country. This means any cuts could well pass unnoticed, unlike, say, if the ABC said it could no longer afford to air the children’s TV series, Bluey.</p> <p>Through radio, TV, and now online, the ABC has broadcast to Australia’s neighbours since the second world war, initially as an agent to spread democratic value, but in more recent decades to model effective public interest journalism. The ABC, like the BBC, has a charter of independence.</p> <p>The ABC’s work in the international arena, through Radio Australia and ABC Australia, is vital, not only to bolster national security by providing trusted news and information about Australia and its allies, but by working alongside and supporting local Indo-Pacific news organisations.</p> <p>The Albanese Labor government appears to have understood this threat, providing some extra funding for the international services mostly in response to China’s increased presence in the region, as Alexandra Wake argued in her <a href="https://link.springer.com/book/10.1007/978-3-031-47571-9">2024 book</a> Transnational Broadcasting in the Indo-Pacific.</p> <p>Labor’s funding boost remains inadequate, though, to properly broadcast an Australian voice to the region because, she argued, of increasingly fraught relations between nations, and a complex political and media environment.</p> <p>One of the most pressing priorities now is to extend the Labor government’s Pacific Security and Engagement Initiatives (the original $8 million per year) which is due to end in June 2026. Without this, the ABC will have transmission to the region, but next to no appropriate content.</p> <p>Australia needed to rectify past mistakes by increasing international broadcast funding and protecting that funding from future government cuts. Australia also needed to adopt the long-term thinking that China displayed if it was to counteract China’s strategic ambitions for the region.</p> <p>By closing VOA, Trump and his government efficiency wrecking ball, Elon Musk, have actually left open an opportunity for Australia to lean into the unique strategic advantage granted by Australia’s economic and geographical place in the region.</p> <p>The move to cut US aid supporting journalism extends to smaller outfits such as Benar News Pacific, which recently <a href="https://www.benarnews.org/english/news/philippine/letter-from-editors-benarnews-pauses-operations-04022025104657.html">told its audience</a> it was “pausing operations”.</p> <p>For the past decade, Benar News (and its parent Radio Free Asia) has been reporting across the region on security, politics and human rights. “The US administration has withheld the funding that we rely on to bring our readers and viewers the news from Indonesia, Malaysia, Thailand, Bangladesh, the Philippines and island-states and territories in the Pacific,” it said in a letter from the editors.</p> <p>Such local news services may be small but are a vital bulwark in the multi-polar world Trump seeks to shape.<!-- 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/248117/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/matthew-ricketson-3616">Matthew Ricketson</a>, Professor of Communication, <a href="https://theconversation.com/institutions/deakin-university-757">Deakin University</a>; <a href="https://theconversation.com/profiles/alexandra-wake-7472">Alexandra Wake</a>, Associate Professor, Journalism, <a href="https://theconversation.com/institutions/rmit-university-1063">RMIT University</a>, and <a href="https://theconversation.com/profiles/michael-ward-421548">Michael Ward</a>, PhD candidate in media and communications, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</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/what-would-and-should-happen-to-the-abc-under-the-next-federal-government-248117">original article</a>.</em></p> <p><em>Image: Instagram</em></p> </div>

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Albanese calls May 3 election, with cost of living the central battleground

<div class="theconversation-article-body">Australians will go to the polls on May 3 for an election squarely centred on the cost of living.</p> <p>Prime Minister Anthony Albanese visited Governor-General Sam Mostyn at Yarralumla first thing on Friday morning.</p> <p>Later he told an 8am news conference at parliament house the election choice was “between Labor’s plan to keep building or Peter Dutton’s plan to cut.</p> <p>"Only Labor has the plan to make you better off over the next three years,” he said. “Now is not the time for cutting and wrecking, punching down.”</p> <p>Less than a week after the federal budget and following an earlier delay caused by Cyclone Alfred, the formal campaign starts with government and opposition neck and neck and minority government considered a real possibility.</p> <p>But in recent days, the government has gained more momentum and Labor enters the campaign more confident than at the start of the year.</p> <p>The aggregated January-March quarterly Newspoll had the Coalition leading Labor 51-49%, but Albanese leading Peter Dutton as preferred PM 45% to 40%. A YouGov poll published March 21 had Labor and Coalition on 50-50. Polling only shows a snapshot of the present, and the campaign itself could be crucial to the election result.</p> <p>This is the fourth consecutive election launched off the back of a budget, with both sides this week bidding for voters’ support with big handouts.</p> <p>Labor pushed through legislation for its $17 billion tax cut, the first stage of which comes in mid next year. Opposition leader Peter Dutton in his budget reply promised a 12-month halving of excise on petrol and diesel and a gas reservation scheme.</p> <p>Labor goes <a href="https://www.abc.net.au/news/elections/federal/2025/guide/pendulum">into the election</a> with 78 seats in the lower house, and the Coalition with 57 (counting the seats of two recent Liberal defectors). The large crossbench includes four Greens and half a dozen “teals”.</p> <p>With a majority being 76 seats in the new 150-seat parliament, the Coalition needs to win 19 seats for an outright majority. This would require a uniform swing of 5.3% (although swings are not uniform). A swing of less than 1% could take Labor into minority. The Coalition would need a swing of about 3.6% to end with more seats than the government. While all states are important if the result is close, Victoria and NSW are regarded as the crucial battlegrounds.</p> <p>If the Coalition won, it would be the first time that a first-term government had been defeated since 1931, during the great depression.</p> <p>Since the end of the second world war, while all first term governments have been reelected, each saw a two-party swing against them.</p> <p>One challenge for Albanese is that he has only a tiny majority, providing little buffer against a swing.</p> <p>The combined vote of the major parties will be something to watch, with the vote steadily declining from 85.47% of the vote just 19 years ago at the 2007 election, to only 68.28% at the 2022 election.</p> <p>Labor won the last election with a two-party vote of<br />52.13% to the Coalition’s 47.87%.</p> <p>As of December 31 2024, 17,939,818 Australians were enrolled to vote.</p> <p>The start of the formal campaign follows a long “faux” campaign in which both leaders have been travelling the length and breadth of the country non-stop, with the government making a series of major spending announcement but the opposition holding back on policy.<!-- 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/250774/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> <h2>Marginal seats based on the redistribution</h2> <p><img src="https://oversixtydev.blob.core.windows.net/media/2025/03/Antony-Greens-ABC-Electoral-Pendulum.jpg" alt="" width="1280" height="1535" /></p> <p><em> * Seat with a sitting ALP member ** Seat with a sitting Liberal member *** Warringah MP Zali Steggall was elected before the 2022 ‘teals’, but is regarded as one of them. <a href="https://www.abc.net.au/dat/news/elections/federal/2025/guide/FED2025_PostRedistPendulum.pdf" target="_blank" rel="noopener">Antony Green's ABC Electoral Pendulum</a></em></p> <p><em>By <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/albanese-calls-may-3-election-with-cost-of-living-the-central-battleground-250774">original article</a>.</em></p> <p><em>Images: </em><em style="background-color: #ffffff; color: #212529; font-family: -apple-system, 'system-ui', 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif, 'Apple Color Emoji', 'Segoe UI Emoji', 'Segoe UI Symbol', 'Noto Color Emoji'; font-size: 16px; box-sizing: border-box;">Image credits: LUKAS COCH/EPA-EFE/Shutterstock Editorial</em></p> <div class="footer-container" style="box-sizing: border-box; color: #212529; font-family: -apple-system, 'system-ui', 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif, 'Apple Color Emoji', 'Segoe UI Emoji', 'Segoe UI Symbol', 'Noto Color Emoji'; font-size: 16px; background-color: #ffffff;"> </div> </div>

Legal

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Federal Budget 2025: The short, sharp and – sort of – sweet version

<p>The federal budget is always a massive, jargon-filled beast, but don’t worry – we’ve got your back. Here’s a quick and easy rundown of the key numbers, economic forecasts and big-ticket promises (without making your head spin). Whether it’s tax cuts, energy bill relief, or debt figures that sound like someone’s phone number, this summary gives you the essentials in plain English.</p> <p><strong>THE BIG PICTURE: WHERE THE MONEY’S GOING (AND COMING FROM)</strong></p> <p><strong>Economic Growth:</strong> The economy is expected to grow by 1.5% in 2024-25, which isn’t exactly fireworks but at least it’s moving in the right direction.</p> <p><strong>Unemployment Rate:</strong> The jobless rate is set to rise to 4.25%, meaning more people might be dusting off their résumés.</p> <p><strong>Inflation:</strong> The cost of living squeeze is easing slightly, with inflation forecast to drop to 2.5%, finally giving our wallets a breather.</p> <p><strong>Wages Growth:</strong> Paychecks are expected to grow by 3%, so while you won’t be rolling in cash, you might afford an extra coffee per week.</p> <p><strong>Living Standards:</strong> Household disposable income is expected to rise a bit faster than planned, so that’s a small win for the grocery bill.</p> <p><strong>Migration:</strong> Net overseas migration is slowing down, dropping from 435,000 in 2023-24 to 225,000 by 2026-27, as the government tweaks immigration settings.</p> <p><strong>The Big One: Budget Deficit:</strong> The country will be $27.6 billion in the red this year, which sounds bad, but hey, it’s better than some past years.</p> <p><strong>Commonwealth Debt:</strong> The nation’s credit card balance will hit $940 billion in 2024-25 before cracking $1 trillion the year after, making it one of the biggest IOUs in Aussie history.</p> <p><strong>Net Debt:</strong> The government’s net debt will rise to $556 billion, proving once again that we’re all experts at spending more than we have.</p> <p><strong>WHAT’S IN IT FOR YOU (IF LABOR STAYS IN POWER)?</strong></p> <p>If Labor wins the next election, they’ve got a shopping list of goodies lined up. From tax cuts and cheaper meds to more affordable childcare and a crackdown on dodgy workplace contracts, here’s what they’re promising in order to make life a little easier (or at least a little less expensive).</p> <p><strong>Tax Cuts:</strong> Everyone gets a tiny tax break worth about $10 a week, starting in July 2026 – not enough for a holiday, but maybe an extra beer, depending on where you buy your drinks.</p> <p><strong>Energy Bill Relief:</strong> Households and small businesses will get $150 off their power bills, because, let’s face it, electricity prices are still a killer.</p> <p><strong>Cheaper Medicines:</strong> Prescription drugs will be capped at $25 per script, meaning fewer nasty surprises at the pharmacy checkout.</p> <p><strong>Healthcare Boost:</strong> More bulk-billing, 50 new urgent care clinics, and extra funding for nurses and GPs, costing a whopping $9 billion over four years – great news if you hate long waits at the doctor.</p> <p><strong>Childcare Help:</strong> Families earning up to $500,000 (yes, you read that right) will get at least three days of subsidised childcare, costing $427 million over five years.</p> <p><strong>First Home Buyer Support:</strong> The Help to Buy scheme will get a boost, making it a bit easier for first-home buyers to get into the market (assuming they can still afford avocado toast).</p> <p><strong>Workplace Shake-Up:</strong> Banning non-compete clauses for low- and middle-income workers could boost wages by $2,500 a year – so no more weird contracts stopping you from getting a better job.</p> <p><strong>HECS Debt Slash:</strong> A 20% cut to student loan debt, wiping $16 billion from the books – a rare win for anyone still haunted by their HECS balance.</p> <p><strong>Disaster Recovery:</strong> $1.2 billion is going towards helping communities in southeast Queensland and northern NSW recover from ex-Tropical Cyclone Alfred – because Mother Nature isn’t playing nice.</p> <p><strong>Big Infrastructure Plans:</strong> Expect major upgrades like $7.2 billion for Queensland’s Bruce Highway, $2 billion for a new rail hub in Melbourne, and $1 billion for Sydney’s southwest rail corridor – so maybe, just maybe, your commute will be a little less torturous.</p> <p><strong>Defence Spending:</strong> A fast-tracked $1 billion investment in guided weapons, submarines and frigates, because apparently, we’re getting serious about military hardware.</p> <p>And that’s the budget in a nutshell! More spending, some relief for households, and a debt number that’ll make your calculator cry.</p> <p><em>Images: WikiCommons</em></p>

Money & Banking

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Transform your tresses on a budget this Christmas

<p dir="ltr">With Christmas right around the corner, it's not too late to pick up something extra for your loved ones, or to treat yourself just in time for December 25th. </p> <p dir="ltr">Whether you’re looking to treat your loved ones, or trying to revolutionise your own hair ahead of the festive season, John Frieda has something for every hair type, and shoppers on every budget.</p> <p dir="ltr">Unlike other hair care brands, John Frieda’s expertly crafted products are available for a fraction of the price, with these stocking stuffers all going for less than $25.</p> <p dir="ltr">Known for their frizz control products and dedicated line for those with blonde hair, these bargain products made the perfect addition to any Christmas gift. </p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-permalink="https://www.instagram.com/reel/DBKZcqVSkjf/?utm_source=ig_embed&amp;utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/reel/DBKZcqVSkjf/?utm_source=ig_embed&amp;utm_campaign=loading" target="_blank" rel="noopener">A post shared by John Frieda ANZ (@johnfriedaanz)</a></p> </div> </blockquote> <p dir="ltr">Just in time for the giving season, John Freida has unveiled a breakthrough update to the Frizz Ease range, with The Miraculous Recovery Shampoo, Conditioner and Deep Conditioner Mask now infused with repairing ceramides, designed to transform frizzy and damaged hair with just one use.</p> <p dir="ltr">As well as the three-step system, the Secret Weapon Finishing Creme and the All-in-1 Extra Strength Serum will leave you with a shiny, flawless finish every time. </p> <p dir="ltr">Similarly, the brand has proudly unveiled its latest breakthrough: the Blonde+ Repair System. Specifically designed to cater to the needs of blonde hair, this revolutionary three- step system ensures that achieving your best blonde is now easier than ever before, without compromising on hair health.</p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-permalink="https://www.instagram.com/reel/DCpn7nsNR1o/?utm_source=ig_embed&amp;utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/reel/DCpn7nsNR1o/?utm_source=ig_embed&amp;utm_campaign=loading" target="_blank" rel="noopener">A post shared by John Frieda ANZ (@johnfriedaanz)</a></p> </div> </blockquote> <p dir="ltr">The Blonde+ Repair System comprises the Pre-Shampoo Treatment, Building Shampoo and Bond Building Conditioner, with the trio formulated with nourishing ingredients, this conditioner targets areas of damage, restoring strength and vitality to blonde hair.</p> <p dir="ltr">Whether you’re looking to enhance your natural curls or achieve a sleek, straight style, the John Frieda range provides a solution tailored to your hair care needs, with each product crafted to deliver salon-quality results in the comfort of your own home.</p> <p dir="ltr">Treat either yourself or your loved ones this Christmas with John Frieda, available at <a href="https://www.bigw.com.au/brands/john-frieda?srsltid=AfmBOoqDIi-xWYzdRcwtFtKQtScPB-AVawM-AL6ZGe005w1aw4QUFqLd">Big W</a>, <a href="https://www.chemistwarehouse.com.au/shop-online/5571/john-frieda-haircare">Chemist Warehouse</a>, <a href="https://www.priceline.com.au/brand/john-frieda?srsltid=AfmBOoqV37Y8JF9YdXQ3PM2uZuPCwEWLZosmUBUU6Eo8nOHYaDlgudgB">Priceline</a> and the official John Frieda <a href="https://www.johnfrieda.com/en-au/home/">website</a>. </p> <p dir="ltr"><em>Image credits: Instagram / Shutterstock </em></p> <p dir="ltr"> </p> <p> </p>

Beauty & Style

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Holiday budgeting tips for over-60s: Expert advice for a stress-free season

<div> <p>The festive season is a time for joy, but it can sometimes also bring a little extra financial stress. With the rising cost of essentials, many Aussies in retirement might be feeling the pinch. And it’s not your imagination – recent <a title="https://protect.checkpoint.com/v2/___https:/nam02.safelinks.protection.outlook.com/?url=https%3A%2F%2Fwww.superannuation.asn.au%2Fmedia-release%2Frising-insurance-premiums-add-strain-to-retirees-finances-says-super-peak-body%2F*23%3A~%3Atext%3DThe%2520latest%2520figures%2520from%2520ASFA%2Cover%2520the%2520last%252012%2520months.&amp;data=05%7C02%7Cdardisa%40we-worldwide.com%7C3306a1dfb9de4e30dd3b08dcfecff5e5%7C3ed60ab455674971a5341a5f0f7cc7f5%7C0%7C0%7C638665416381860501%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C0%7C%7C%7C&amp;sdata=3ePPI8b1SEXOATgcY6vYWJRi8gBzZHv0jM1dgqkIoUI%3D&amp;reserved=0___.YzJ1OndlY29tbXVuaWNhdGlvbnM6YzpvOmMyMDk4YTI2ZGE5OWUzY2FhZWQ2Nzc5ZTg1YWM0OGJiOjY6YjM1NDo4YTdiNGQ5MTcwZjBhYzgwNzI4ZDVmYTlhNTA0OWVhYThkZTU0NWJhN2FhZDgzZGQ2MGQ1ZjZiYWU5MTc3MGI1OnA6VDpG" href="https://protect.checkpoint.com/v2/___https:/nam02.safelinks.protection.outlook.com/?url=https%3A%2F%2Fwww.superannuation.asn.au%2Fmedia-release%2Frising-insurance-premiums-add-strain-to-retirees-finances-says-super-peak-body%2F*23%3A~%3Atext%3DThe%2520latest%2520figures%2520from%2520ASFA%2Cover%2520the%2520last%252012%2520months.&amp;data=05%7C02%7Cdardisa%40we-worldwide.com%7C3306a1dfb9de4e30dd3b08dcfecff5e5%7C3ed60ab455674971a5341a5f0f7cc7f5%7C0%7C0%7C638665416381860501%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C0%7C%7C%7C&amp;sdata=3ePPI8b1SEXOATgcY6vYWJRi8gBzZHv0jM1dgqkIoUI%3D&amp;reserved=0___.YzJ1OndlY29tbXVuaWNhdGlvbnM6YzpvOmMyMDk4YTI2ZGE5OWUzY2FhZWQ2Nzc5ZTg1YWM0OGJiOjY6YjM1NDo4YTdiNGQ5MTcwZjBhYzgwNzI4ZDVmYTlhNTA0OWVhYThkZTU0NWJhN2FhZDgzZGQ2MGQ1ZjZiYWU5MTc3MGI1OnA6VDpG" data-auth="Verified" data-outlook-id="1a0a0a08-2e36-4601-a0a3-f9c8bb379afe">data</a> from the Association of Superannuation Funds of Australia (ASFA) reveals that the cost of maintaining a comfortable retirement has increased by 3.7% in the last year. For those in retirement, managing holiday spending can help ensure a stress-free festive season. </p> </div> <div> <p>Toby Perkins, a Certified Financial Planner® at industry superfund NGS Super, shares his helpful tips to ensure retirees manage their budgets during the holidays.</p> </div> <p><strong>1. Avoid personal debt</strong></p> <div> <p>Credit cards and overdrafts may seem like quick solutions, but they often lead to high-interest debt. "If you need extra funds for the festive season, it might be worth considering options like your superannuation income stream instead," advises Toby. Avoiding extra debt may help you to maintain your financial stability in the long run and help set you up for a stress-free Christmas next year. </p> </div> <p><strong>2. Plan ahead: Budget for the entire year</strong></p> <div> <p>Although it may be too late to adjust your budget for this holiday season, now is a good time to start planning for next Christmas. "Incorporating holiday spending into an annual budget can prevent financial strain in December," Toby suggests. By tracking your expenses throughout the year, you can identify potential savings and plan for any extra costs, such as gifts and travel.</p> </div> <p><strong>3. Review government entitlements</strong></p> <div> <p>It’s important for you to ensure you are receiving the correct government entitlements. "If you’re receiving the Age Pension, make sure all your details are up to date," Toby advises. Even if you're not eligible for the Age Pension, you may qualify for the Commonwealth Seniors Health Card or state-based Seniors Cards, which can help reduce costs on health care, transport, and other services. For more information, visit <a title="https://protect.checkpoint.com/v2/___https:/www.servicesaustralia.gov.au/most-useful-information-for-retirement-years___.YzJ1OndlY29tbXVuaWNhdGlvbnM6YzpvOmMyMDk4YTI2ZGE5OWUzY2FhZWQ2Nzc5ZTg1YWM0OGJiOjY6Y2YwMTo3YWJkZWYyYTY5NjAwZTQ5YjczNWQwMGY2ZjZmN2RhNzY5MzJjYWJkMmYyNWM5ZTkzODg4NTJlZDc3MmIwZGI1OnA6VDpG" href="https://protect.checkpoint.com/v2/___https:/www.servicesaustralia.gov.au/most-useful-information-for-retirement-years___.YzJ1OndlY29tbXVuaWNhdGlvbnM6YzpvOmMyMDk4YTI2ZGE5OWUzY2FhZWQ2Nzc5ZTg1YWM0OGJiOjY6Y2YwMTo3YWJkZWYyYTY5NjAwZTQ5YjczNWQwMGY2ZjZmN2RhNzY5MzJjYWJkMmYyNWM5ZTkzODg4NTJlZDc3MmIwZGI1OnA6VDpG" data-auth="Verified" data-outlook-id="0b03c4dc-e32a-4f0f-adaf-6d20058cd703">the Services Australia website.</a></p> </div> <p><strong>4. Stay vigilant about financial security</strong></p> <div> <p>There are two reasons to closely track your spending throughout the holiday season: 1. To ensure you stay within budget, and 2. To ensure you don't fall victim to financial scams. The holiday season can be a prime time for financial scams, so be cautious when making purchases online.</p> </div> <p><strong>5. Prepare for post-holiday financial health</strong></p> <div> <p>After the holidays, plan to set aside some money for future expenses or to replenish your savings. A bit of post-holiday planning will help you avoid financial stress in the months ahead - and even get you set up for next Christmas.</p> </div> <p><strong>6. Travel smart: Plan off-peak</strong></p> <div> <p>Travel can be one of the biggest holiday expenses, especially if it coincides with peak Christmas and school holiday periods. Toby recommends traveling outside of these busy times to save money. "Off-peak travel can significantly reduce costs and make your holiday dollar stretch further," he says. Consider planning trips in advance to secure better deals.</p> </div> <div> <p>Planning ahead, managing debt, and reviewing entitlements can help you enjoy the festive season without financial stress. As Toby puts it, "Smart budgeting today helps ensure a more comfortable retirement tomorrow."</p> </div> <div> <p><em><strong>For those seeking personalised advice, NGS Super’s team of financial planners is here to help guide you to a secure and joyful future. Read the <a title="https://protect.checkpoint.com/v2/r01/___https://protect.checkpoint.com/v2/___https:/www.ngssuper.com.au/files/documents/financial-services-guide.pdf___.YzJ1OndlY29tbXVuaWNhdGlvbnM6YzpvOmMyMDk4YTI2ZGE5OWUzY2FhZWQ2Nzc5ZTg1YWM0OGJiOjY6MDk5ZToxNWJlNDQ0ODUwMWZmYzczYmUzZDY5N2NkNWFmY2M4ZTM0M2I5ZDQyNTI5ZGIwNjdjMDUxZDViY2E1YWRmYWFhOnA6VDpGHYPERLINK___.YzJ1OndlY29tbXVuaWNhdGlvbnM6YzpvOmM0OTdjMzdkZjcxOGIxNDQxYjdiMzQxMzA0NTcyMzc4Ojc6ZDgzMDowMTA3N2IxNTZmN2JhZDAzOTM5MDc4ODZjM2Y4NTUzYTkwNWE4ZDAxYmJhMmIxMTc0OWZjNjhmNmM5ODNlNzYyOmg6VDpG" href="https://protect.checkpoint.com/v2/r01/___https://protect.checkpoint.com/v2/___https:/www.ngssuper.com.au/files/documents/financial-services-guide.pdf___.YzJ1OndlY29tbXVuaWNhdGlvbnM6YzpvOmMyMDk4YTI2ZGE5OWUzY2FhZWQ2Nzc5ZTg1YWM0OGJiOjY6MDk5ZToxNWJlNDQ0ODUwMWZmYzczYmUzZDY5N2NkNWFmY2M4ZTM0M2I5ZDQyNTI5ZGIwNjdjMDUxZDViY2E1YWRmYWFhOnA6VDpGHYPERLINK___.YzJ1OndlY29tbXVuaWNhdGlvbnM6YzpvOmM0OTdjMzdkZjcxOGIxNDQxYjdiMzQxMzA0NTcyMzc4Ojc6ZDgzMDowMTA3N2IxNTZmN2JhZDAzOTM5MDc4ODZjM2Y4NTUzYTkwNWE4ZDAxYmJhMmIxMTc0OWZjNjhmNmM5ODNlNzYyOmg6VDpG" data-auth="Verified" data-outlook-id="c4bb4623-ec0a-4e3a-a747-7bf0d2f5659b">NGS Financial Planning Financial Services Guide</a>.</strong></em></p> </div> <div> <p><em><strong>For further information, visit NGS Super’s <a title="https://protect.checkpoint.com/v2/___https:/www.ngssuper.com.au/articles/news/whats-foro-what-can-you-do-about-it___.YzJ1OndlY29tbXVuaWNhdGlvbnM6YzpvOmMyMDk4YTI2ZGE5OWUzY2FhZWQ2Nzc5ZTg1YWM0OGJiOjY6YzlhNDphZGM4Y2Q1YTFlZmQyNjExMGQ4ZDJmYWM3Y2IyOWMxM2FiNjE2MDMwMDc3YjA5ODE5OTY0NjQyYmZkNWE2NGM1OnA6VDpG" href="https://protect.checkpoint.com/v2/___https:/www.ngssuper.com.au/articles/news/whats-foro-what-can-you-do-about-it___.YzJ1OndlY29tbXVuaWNhdGlvbnM6YzpvOmMyMDk4YTI2ZGE5OWUzY2FhZWQ2Nzc5ZTg1YWM0OGJiOjY6YzlhNDphZGM4Y2Q1YTFlZmQyNjExMGQ4ZDJmYWM3Y2IyOWMxM2FiNjE2MDMwMDc3YjA5ODE5OTY0NjQyYmZkNWE2NGM1OnA6VDpG" data-auth="Verified" data-outlook-id="7c65864b-3f33-43bc-9037-cc1e7ca1acc0">website</a>.</strong></em></p> </div> <div> <p><em><strong>Toby Perkins is authorised to provide financial advice in Australia and is an Authorised Representative (Number 1002908) of Guideway Financial Services Pty Ltd, AFSL Number 420367. Any advice given in this article is general and does not consider your financial situation, needs or objectives so consider whether it is appropriate for you. Be sure to read the relevant PDS and TMD </strong><strong>before deciding whether a financial product is right for you.</strong></em></p> <p><em><strong>Image credits: Shutterstock  </strong></em></p> </div> <div> <p> </p> </div>

Travel Tips

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"You made me enjoy the game": Federer's emotional retirement letter to Nadal

<p>Roger Federer has penned an emotional tribute to Rafael Nadal ahead of his retirement, reflecting on their stellar careers together. </p> <p>Nadal’s career officially came to an end when Spain was defeated 2-1 by the Netherlands in the Davis Cup quarter-final in Malaga on Wednesday morning, with Nadal in tears as he stepped onto the court for the final time. </p> <p>Thousands of tributes poured in for Nadal as his retirement officially began, but Federer's tribute quickly went viral for his emotional words.</p> <p>“As you get ready to graduate from tennis, I’ve got a few things to share before I maybe get emotional,” Federer said. </p> <p>“Let’s start with the obvious: you beat me - a lot. More than I managed to beat you. You challenged me in ways no one else could. On clay, it felt like I was stepping into your backyard, and you made me work harder than I ever thought I could just to hold my ground."</p> <p>“You made me reimagine my game - even going so far as to change the size of my racquet head, hoping for any edge. I’m not a very superstitious person, but you took it to the next level. Your whole process. All those rituals."</p> <p>“Assembling your water bottles like toy soldiers in formation, fixing your hair, adjusting your underwear … All of it with the highest intensity. Secretly, I kind of loved the whole thing. Because it was so unique - it was so you."</p> <p>“And you know what, Rafa, you made me enjoy the game even more. OK, maybe not at first. After the 2004 Australian Open, I achieved the No. 1 ranking for the first time. I thought I was on top of the world. And I was - until two months later, when you walked on the court in Miami in your red sleeveless shirt, showing off those biceps, and you beat me convincingly."</p> <p>"All that buzz I’d been hearing about you - about this amazing young player from Mallorca, a generational talent, probably going to win a major someday - it wasn’t just hype."</p> <p>“We were both at the start of our journey and it’s one we ended up taking together. Twenty years later, Rafa, I have to say: What an incredible run you’ve had. Including 14 French Opens - historic! You made Spain proud … you made the whole tennis world proud."</p> <p>“And then there was London – the Laver Cup in 2022. My final match. It meant everything to me that you were there by my side – not as my rival but as my doubles partner."</p> <p>“Sharing the court with you that night, and sharing those tears, will forever be one of the most special moments of my career.”</p> <p>Federer signed off the 585-word tribute from “your fan Roger”.</p> <p><em>Image credits: ANDY RAIN/EPA-EFE/Shutterstock Editorial </em></p>

Retirement Life

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Feed your family on a budget this Christmas with Aldi’s delectable hams

<p dir="ltr">Aldi’s range of delicious Christmas feasts have made it easier than ever to go ham this festive season. </p> <p dir="ltr">The iconic supermarket, known for their low prices and high quality goods, have released their range of seven delectable ham options from just $7.99 per kilogram, catering to shoppers on every budget. </p> <p dir="ltr">The incredibly priced Australian Half Leg Ham is back with a bang this yearat only $7.99 p/kg (that’s 40 cents per serve!), with options to Go A Little Extra with a Triple Smoked Boneless Ham ($12.99 p/kg), or the crowd favourite Crackling Ham ($19.99 p/kg). </p> <p dir="ltr">For those looking for a festive feast for a smaller gathering, there is also an Australian Quarter Portion Leg Ham ($11.49 p/kg) or the NEW Lightly Smoked Boneless Ham Portion ($19.99 /kg). </p> <p dir="ltr">For those looking to jazz up their hams to impress their loved ones, Aldi has also shared two easy to follow recipes for heavenly glazes, with dozens of recipes available on the extensive new <a href="https://www.aldi.com.au/recipes/christmas-recipes/">online recipe hub</a>.</p> <p dir="ltr">This year, Aldi’s two feature glazes are the mouth-watering <a href="https://www.aldi.com.au/recipes/christmas-recipes/christmas-dinner-recipes/pomegranate-and-maple-glazed-ham-recipe/">Pomegranate and Maple Glaze</a>, and the Brown Sugar Honey Pineapple Glaze.</p> <p dir="ltr">For your Pomegranate and Maple Glazed Ham, you’ll need just four ingredients, totalling $1.18 per serve for six people. </p> <p dir="ltr"><strong>Pomegranate and Maple Glazed Ham </strong></p> <ul> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">160g pomegranate seeds </p> </li> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">125ml Brookdale maple syrup </p> </li> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">1 tsp Colway dijon mustard </p> </li> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">½ tsp Stonemill ground ginger </p> </li> </ul> <p dir="ltr">For the Brown Sugar Honey Pineapple Glaze, you’ll need five ingredients, coming to a mere 45 cents per serve, with the recipe serving between 12 and 18 people. </p> <p dir="ltr"><strong>Brown Sugar Honey Pineapple Glaze </strong></p> <ul> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">275g White Mill brown sugar </p> </li> </ul> <ul> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">300g pineapple juice </p> </li> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">280g Bramwells Yellow Box Honey</p> </li> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">2 Tbsp Colway Dijon mustard </p> </li> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">75g Pure Valley Unsalted Butter</p> </li> </ul> <p dir="ltr">For more festive recipes, from roasts and sides, to desserts and drinks, make sure to check out the Aldi online recipe hub, and don’t forget to pick up your scrumptious Aldi ham to feed your family without breaking the bank this Christmas. </p> <p dir="ltr"><em>Image credits: Supplied</em></p>

Food & Wine

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How should Australian media cover the next federal election? Lessons from the US presidential race

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/denis-muller-1865">Denis Muller</a>, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a></em></p> <p>Media coverage in Australia of the US presidential election and of the Voice referendum in October 2023 offer some pointers to what we might expect during next year’s federal election campaign.</p> <p>They also suggest some ways in which the professional mass media might better respond to the challenges thrown up by the combination of disinformation, harmful speech and hyper-partisanship that disfigured those two campaigns.</p> <p>The ideological contours of the Australian professional media, in particular its newspapers, have become delineated with increasing clarity over the past 15 years. In part this is a response to the polarising effects of social media, and in part it is a reflection of the increased stridency of political debate.</p> <p>The right is dominated by News Corporation, with commercial radio shock jocks playing a supporting role. The left is more diffuse and less given to propagandising. It includes the old Fairfax papers, The Age and The Sydney Morning Herald, now owned by the Nine Entertainment Company, and Guardian Australia.</p> <p>These contours are unlikely to change much, if at all, between now and the 2025 election.</p> <h2>Impartiality versus ‘bothsidesism’</h2> <p>Under these conditions, how might Australian journalism practice be adapted to better serve democracy under the pressures of an election campaign? The objective would be to contribute to the creation of a political culture in which people can argue constructively, disagree respectfully and work towards consensus.</p> <p>In pursuing that objective, a central issue is whether and how the media are committed to the principle of impartiality in news reports. This principle is under sustained pressure, as was seen in both the presidential election and the Voice referendum.</p> <p>We know from the words of its own editorial code of conduct that News Corp Australia does not accept the principle of impartiality in news reports. Paragraph 1.3 of that code states:</p> <blockquote> <p>Publications should ensure factual material in news reports is distinguishable from other material such as commentary and opinion. Comment, conjecture and opinion are acceptable as part of coverage to provide perspective on an issue, or explain the significance of an issue, or to allow readers to recognise what the publication’s or author’s standpoint is on a matter.</p> </blockquote> <p>This policy authorises journalists to write their news reports in ways that promote the newspaper’s or the journalist’s own views. This runs directly counter to the conventional separation of news from opinion accepted by most major media companies. This is exemplified by <a href="https://uploads.guim.co.uk/2023/07/27/GNM_editorial_code_of_practice_and_guidance_2023.pdf">the policy</a> of The Guardian, including Guardian Australia:</p> <blockquote> <p>While free to editorialise and campaign, a publication must distinguish clearly between comment, conjecture and fact.</p> </blockquote> <p>Appended to The Guardian’s code is the essay written in 1921 by C. P. Scott, first the editor and then the owner-editor of the Manchester Guardian, to mark the newspaper’s centenary. It includes these words: “Comment is free, but facts are sacred”. Referring to a newspaper’s public duty, he added: “Propaganda […] is hateful.”</p> <p>In the present overheated atmosphere of public debate, impartiality has come to be confused with a discredited type of journalism known as “bothsidesism”.</p> <p>“Bothsidesism” presents “both sides” of an issue without any regard for their relative evidentiary merits. It allows for the ventilation of lies, hate speech and conspiracy theories on the spurious ground that these represent another, equally valid, side of the story.</p> <p>Impartiality is emphatically not “bothsidesism”. What particularly distinguishes impartiality is that it follows the weight of evidence. However, a recurring problem in the current environment is that the fair and sober presentation of evidence can be obliterated by the force of political rhetoric. As a result, impartiality can fall victim to its own detached passivity.</p> <p>Yet impartiality does not have to be passive: it can be proactive.</p> <p>During the presidential campaign, in the face of Trump’s egregious lying, some media organisations took this proactive approach.</p> <p>When Trump claimed during his televised debate with Kamala Harris that Haitian immigrants were eating people’s pets in the town of Springfield, Ohio, the host broadcaster, the American Broadcasting Company, fact-checked him in real time. It found, during the broadcast, that there was no evidence to support his claim.</p> <figure><iframe src="https://www.youtube.com/embed/nlCe8iOCJlQ?wmode=transparent&amp;start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe></figure> <p>And for four years before that, The Washington Post <a href="https://www.washingtonpost.com/politics/2021/01/24/trumps-false-or-misleading-claims-total-30573-over-four-years/">chronicled</a> Trump’s lies while in office, arriving at a total of 30,573.</p> <h2>Challenging misinformation</h2> <p>During the Voice referendum, many lies were told about what the Voice to Parliament would be empowered to do: advise on the date of Anzac Day, change the flag, set interest rates, and introduce a race-based element into the Constitution, advantaging Aboriginal and Torres Strait Islander people over others.</p> <p>These were rebutted by the relevant authorities but by then the lies had been swept up in the daily tide of mis- or disinformation that was a feature of the campaign. At that point, rebuttals merely oxygenate the original falsehoods.</p> <p>More damaging still to the democratic process was the baseless allegation by Opposition Leader Peter Dutton that the Australian Electoral Commission had “rigged” the vote by accepting a tick as indicating “yes” but not accepting a cross as indicating “no”.</p> <figure><iframe src="https://www.youtube.com/embed/Y_4H1IQID_M?wmode=transparent&amp;start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe></figure> <p>Opposition Senate leader, Simon Birmingham, also said allowing ticks but not crosses undermined the integrity of the process.</p> <p>The electoral commissioner, Tom Rogers, was reported as repudiating these claims, but by then these lies had acquired currency and momentum.</p> <p>A proactive approach to impartiality requires establishing the truthful position before or at the time of initial publication, then calling out falsehoods for what they are and providing supporting evidence. Neither the principle of impartiality nor any other ethical principle in journalism requires journalists to publish lies as if they might be true.</p> <p>It would not have been a failure of impartiality to say in a news report that Dutton’s claims about a rigged referendum were baseless, with the supporting evidence.</p> <p>That evidence, set out in an <a href="https://antonygreen.com.au/how-many-voters-mark-referendum-ballot-papers-with-a-cross-not-many-based-on-evidence/">excellent example</a> of proactive impartiality by the ABC’s election analyst Antony Green at the time, was that the ticks and crosses rule had been in place since 1988.</p> <h2>‘Proactive impartiality’ is the key to reporting the 2025 election</h2> <p>The question is, do Australia’s main media organisations as a whole have the resources and the will to invest in real-time fact-checking? The record is not encouraging.</p> <p>In March 2024, the ABC dissolved its fact-checking arrangement with RMIT University, replacing it with an in-house fact-checking unit called ABC News Verify.</p> <p>In 2023, a team led by Andrea Carson of La Trobe University published a <a href="https://ijoc.org/index.php/ijoc/article/view/21078">study</a> tracking the fate of fact-checking operations in Australia. Its findings were summarised by her in The Conversation.</p> <p>In the absence of a fact-checking capability, it is hard to see how journalists can perform the kind of proactive impartiality that current circumstances demand.</p> <p>On top of that, the shift from advertising-based mass media to subscription-based niche media is creating its own logic, which is antithetical to impartiality.</p> <p>Mass-directed advertising was generally aimed at as broad an audience as possible. It encouraged impartiality in the accompanying editorial content as part of an appeal to the broad middle of society.</p> <p>Since a lot of this advertising has gone online, the media have begun to rely increasingly on subscriptions. In a hyper-partisan world, ideological branding, or alternatively freedom from ideological branding, has become part of the sales pitch.</p> <p>Where subscribers do expect to find ideological comfort, readership and ratings are at put risk when their expectations are disappointed.</p> <p>Rupert Murdoch <a href="https://apnews.com/article/fox-news-dominion-lawsuit-trial-trump-2020-0ac71f75acfacc52ea80b3e747fb0afe">learned this</a> when his Fox News channel in the US called the 2020 election for Joe Biden, driving down ratings and causing him to reverse that position in order to claw back the losses.</p> <p>These are unpalatable developments for those who believe that fair, accurate news reporting untainted by the ideological preferences of proprietors or journalists is a vital ingredient in making a healthy democracy work. But that is the world we live in as we approach the federal election of 2025.<!-- 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/243267/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/denis-muller-1865">Denis Muller</a>, Senior Research Fellow, Centre for Advancing Journalism, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a></em></p> <p><em>Image credits: DEAN LEWINS/EPA-EFE/Shutterstock Editorial - LUKAS COCH/EPA-EFE/Shutterstock Editorial </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/how-should-australian-media-cover-the-next-federal-election-lessons-from-the-us-presidential-race-243267">original article</a>.</em></p> </div>

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The best budget-friendly travel destinations for 2025

<p dir="ltr">As many people continue to battle with the cost-of-living crisis, eager travellers are looking for a way to pinch their pennies on their next trip. </p> <p dir="ltr">Luckily, there are many destinations that are ideal for travellers on a budget. </p> <p dir="ltr">Travel app <a href="https://www.skyscanner.com.au/travel-trends/best-value">Skyscanner</a> has rounded up the ten best budget friendly places to go next year, with travel expert Jarrod Kris saying it's best to go off the beaten track for the best travel deals. </p> <p dir="ltr">"Aussies have experienced different ways of enjoying travelling over time, but one thing that remains consistent is the desire to find new destinations and to land a good bargain," he said.</p> <p dir="ltr">He also said Aussies are getting more adventurous, adding, "We are certainly going beyond the obvious tourist destinations in search of a perfect spot to create memories."</p> <p dir="ltr">In terms of what makes a destination budget friendly, things like exchange rates, cost of visa, cost of tourist attractions and the overall costs of day-to-day living are taken into account, as well as the ever-changing airfares. </p> <p dir="ltr">Check out the top ten list of budget-friendly destinations below. </p> <p dir="ltr">10. Reykjavik, Iceland</p> <p dir="ltr">9. Bogota, Colombia </p> <p dir="ltr">8. Vientiane, Laos</p> <p dir="ltr">7. Chicago, USA</p> <p dir="ltr">6. Lyon, France</p> <p dir="ltr">5. Okinawa, Japan</p> <p dir="ltr">4. Budapest, Hungary</p> <p dir="ltr">3. Madrid, Spain</p> <p dir="ltr">2. Belfast, Northern Ireland</p> <p dir="ltr" role="presentation">1. Krabi, Thailand</p> <p><em>Image credits: Shutterstock </em></p>

International Travel

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"Absolute honour": Federer's stirring words as Nadal hangs up his racquet

<p>Roger Federer and Novak Djokovic have led a wave of tributes after Rafael Nadal announced he would be retiring from playing professional tennis. </p> <p>Nadal announced the news in an emotional Instagram video, where he thanked his family, team, friends and loyal fans for their support, while announcing that the David Cup Finals in November would be his last competition. </p> <p>In his video, the Spanish tennis champion also thanked his "greatest rivals" for giving him fierce competition throughout his stellar career. </p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-permalink="https://www.instagram.com/reel/DA8EpTsg3iV/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/reel/DA8EpTsg3iV/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by Rafa Nadal (@rafaelnadal)</a></p> </div> </blockquote> <p>Those great rivals were the first to honour Nadal after his shock announcement, with Roger Federer sharing a photo of their pair sitting side by side, both in tears, as the Swiss great announced his own retirement two years ago. </p> <p>He wrote, “What a career, Rafa! I always hoped this day would never come. Thank you for the unforgettable memories and all your incredible achievements in the game we love. It’s been an absolute honour.”</p> <p>Novak Djokovic also shared a message for Nadal, posting a photo collage of their friendship behind the scenes. </p> <p>“Rafa, one post is not enough to express the respect I have for you and what you have done for our sport,” the 24-time Grand Slam title winner wrote.</p> <p>“You have inspired millions of children to start playing tennis and I think that’s probably the greatest achievement anyone can wish for. Your tenacity, dedication, fighting spirit is going to be taught for decades. Your legacy will live forever."</p> <p>“Only you know what you had to endure to become an icon of tennis and sport in general. Thank you for pushing me to the limit so many times in our rivalry.”</p> <p><em>Image credits: Daniel Irungu/EPA-EFE/Shutterstock Editorial </em></p>

Retirement Life

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Readers response: What have you had to cut out of your life to cope with cost of living pressures?

<p>As the cost of living continues to rise, many people have had to cut things out of their day to day spending to cope with the financial struggles. </p> <p>We asked our readers what they have had to cut out of their budgets to cope with cost of living pressures, and the response was overwhelming. Here's what they said. </p> <p><strong>Wendy Oliver</strong> - We don’t eat out often at all… I spend too much in the supermarket.</p> <p><strong>Christine Brooks</strong> - I've cut out steak, good nutritional foods, TV streaming, entertainment, haircuts, new clothes, pets, pool cleaning, and more.</p> <p><strong>Kerrie Dare</strong> - I limit steak meals. I've stopped my haircuts to every 4 months. Internet is getting chopped. I can only afford exercise classes twice a week. I don't eat as much fruit as I used too. I only buy groceries when on special. One bottle of wine per fortnight. One slice of sourdough in the morning, which means the loaf lasts a week. I turn on my washing machine around every 10 days &amp; I have quick showers. No eating out or take away. Maybe one cup of coffee per week with a friend. Movies once every 6 weeks as a social group. No concerts or clubs. I drive only locally, so a tank of petrol lasts 1 month. No weekends away.</p> <p><strong>Jane Dawes</strong> - No coffees, beauty treatments, hairdresser, eating out, takeouts etc. The trouble is not affording to spend on certain items has a flow on effect for businesses. Everyone is suffering. </p> <p><strong>Lois E. Fisk</strong> - Going out to eat or see movies in the cinema or live plays or new clothes. I shop at the least expensive grocery stores as much as possible, and good cuts of meat rarely happen.</p> <p><strong>Janice Stenning</strong> - Don't go to the hairdressers as often and don't buy as many clothes. </p> <p><strong>Debra Dugar </strong>- Thinking about dropping my extras cover of my insurance. By the time I pay for it, I can't afford the gap you have to pay.</p> <p><strong>Robyn Lee </strong>- Living in my own house. I now live with my family. </p> <p><strong>Rhondda Hughes</strong> - Well, petrol is expensive so I have to really think if I can afford to visit anyone. I can’t eat meat much and even vegetables can be expensive. We have three chickens so they give us eggs but good quality eggs and healthy chickens require money too. Fortunately I live in Perth so, in comparison to other states, it isn’t as cold however the cost of heating is a significant consideration and therefore I just tend to go to bed.</p> <div style="font-family: inherit;"><strong>Felicity Jill Murphy</strong> - Stopped going out to shopping centres. That's where I spend money unnecessarily.</div> <div style="font-family: inherit;"><em>Image credits: Shutterstock </em></div> <div style="font-family: inherit;"> </div> <div class="x6s0dn4 x3nfvp2" style="font-family: inherit; align-items: center; display: inline-flex; min-width: 584px;"> <ul class="html-ul xe8uvvx xdj266r x4uap5 x18d9i69 xkhd6sd x1n0m28w x78zum5 x1wfe3co xat24cr xsgj6o6 x1o1nzlu xyqdw3p" style="list-style: none; margin: 0px -8px 0px 4px; padding: 3px 0px 0px; display: flex; min-height: 15px; line-height: 12px; caret-color: #1c1e21; color: #1c1e21; font-family: system-ui, -apple-system, BlinkMacSystemFont, '.SFNSText-Regular', sans-serif; font-size: 12.000001px;" aria-hidden="false"> <li class="html-li xdj266r xat24cr xexx8yu x4uap5 x18d9i69 xkhd6sd x1rg5ohu x1emribx x1i64zmx" style="display: inline-block; padding: 0px; margin: 0px 8px;"> </li> </ul> </div> <p> </p>

Money & Banking

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Woman “bullied” on plane over budget seating trick

<p dir="ltr">A young woman has recalled a flight from hell when she was “bullied” by a couple who were trying to utilise a seating hack that went viral on TikTok. </p> <p dir="ltr">The solo traveller took to Reddit to recount the story and ask social media users if she was in the wrong for her action. </p> <p dir="ltr">The woman began by saying she usually pays more to select her plane seat ahead of time, but a medical emergency on another plane had her waiting on standby and left with no option other than to sit in a middle seat.</p> <p dir="ltr">When she was finally able to board, she was greeted by a couple who had purchased both the window and aisle seats in a bid to have more space, utilising a travel “trick” that has been popular on TikTok.</p> <p dir="ltr">The method, which has been dubbed the 'poor man's business class', usually leaves travellers with an empty middle seat and more space, and few travellers opt to pick a middle seat. </p> <p dir="ltr">“When I got to my row the man and woman were chatting and sharing a snack... it was obvious they were together. I mentioned to the man that I'm in the middle, and he got up to let me in,” the unsuspecting traveller wrote on Reddit.  </p> <p dir="ltr">“I asked them if they would prefer to sit together, I said I was totally okay with that. The woman reacted rudely to this and said ‘you're not supposed to be sitting here anyway’.”</p> <p dir="ltr">After noticing how the plane was full, she offered to show the pair her new ticket with the correct seat number on it.</p> <p dir="ltr">“She flicked her hand at my ticket and made a disgusted sound. I offered again if they wanted to sit together to which she didn't reply, her partner said it's okay and... made some small talk,” she continued. </p> <p dir="ltr">The man’s girlfriend then interrupted their conversation to ask,”'Did you use one of those third party websites to book your flight? It's so frustrating when people cheap out to inconvenience others.”</p> <p dir="ltr">The American woman explained that she had booked her flight directly and she had been placed on standby like everyone else and didn't choose the middle seat - she was assigned it.</p> <p dir="ltr">She then tried to keep the peace by refusing to engage with the furious woman.  </p> <p dir="ltr">“I was so done with her attitude, I put my headphones on and attempted to do my own thing,” she explained.</p> <p dir="ltr">But the “entitled” girlfriend wasn't letting it go, as the woman explained, “This woman kept reaching over me and tapping her partner and trying to talk to him in a way that was super intrusive.”</p> <p dir="ltr">“I could tell even her partner was trying to engage her less so that she would hopefully stop, but she didn't.”</p> <p dir="ltr">“I think they tried to pull that tactic where they don't sit together on purpose...hoping no one will sit between them. But on full flights it doesn't work. And even so - it's not the other person's fault.”</p> <p dir="ltr">The traveller's post was met with hundreds of comments slamming the girlfriend’s behaviour, as one person wrote, “It's like a toddler having a tantrum.”</p> <p dir="ltr">“She was disappointed and a total a**hole. Gross entitled people,” another added. </p> <p dir="ltr">Another person applauded the traveller’s level-headed behaviour, writing, “Wow! You are my hero for keeping it classy - I’m afraid I would not have been as kind as you.”</p> <p dir="ltr"><em>Image credits: Shutterstock </em></p>

Travel Trouble

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"Best speech ever": Roger Federer's hilarious address to graduates

<p>Roger Federer has gone viral for all the right reasons after giving a hilarious and inspirational speech to a group of graduates. </p> <p>The Swiss tennis legend addressed the 2024 graduating class at prestigious Ivy League university Dartmouth, where he was awarded an honorary Doctor of Humane Letters for his charity and philanthropic pursuits since retiring from tennis in 2022. </p> <p>The 25-minute speech has been widely dubbed as "the best speech ever" online, as he quipped about the highlights of his illustrious career while sharing sage advice for the new grads.</p> <p>“Hello class of 2024, this is so exciting,” Federer began while wearing a college gown. </p> <p>“I’m so excited to join you today, really you have know idea how excited I am. Keep in mind this is literally only the second time I’ve ever set foot on a college campus. But for some reason you are giving me a doctorate degree."</p> <p>“I just came here to give a speech, but I get to go home as 'Dr Roger'. That’s a pretty nice bonus, 'Dr Roger' just has to be my most unexpected victory ever. Thank you.”</p> <p>After stating he will “try my best not to choke”, Federer went on to give a hilarious and heartwarming speech, complete with a number of life lessons.</p> <p>The 42-year-old shared that he left school at 16 and never went to college, but had recently “graduated tennis” with his retirement making international headlines. </p> <p>“I know the word is ‘retire’,” he said. “‘Roger Federer retired from tennis’. Retired. The word is awful."</p> <p>“You wouldn’t say you ‘retired’ from college, right? Sounds terrible. Like you, I’ve finished one big thing and I’m moving on to the next. Like you, I’m figuring out what that is." </p> <p>“Graduates, I feel your pain. I know what it’s like when people keep asking what your plan is for the rest of your life. They ask me ‘now that you are not a professional tennis player, what do you do?’ I don’t know and it’s OK not to know.”</p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-permalink="https://www.instagram.com/reel/C8FaLe5NGlt/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/reel/C8FaLe5NGlt/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by Roger Federer (@rogerfederer)</a></p> </div> </blockquote> <p>Among his advice, Federer insisted that “effortless is a myth”, referring to a word that was often used to describe his appearance on court, and urged the graduates to prioritise working hard. </p> <p>“The truth is, I had to work very hard to make it look easy,” he said. "I spent years whining, swearing, throwing my racquet, before I learned to keep my cool.”</p> <p>He also spoke about one match in particular, perhaps the most memorable from his career.</p> <p>“I tried not to lose. But I did lose,” he said.</p> <p>"Sometimes big. For me, one of the biggest was the finals at Wimbledon in 2008. Me versus Nadal. Some call it the greatest match of all time. OK, all respect to Rafa, but I think it would have been way, way better if I had won."</p> <p>“Losing at Wimbledon was a big deal because winning Wimbledon is everything.”</p> <p>Before wrapping up his speech, the sporting legend ended with some practical tennis advice after he asked Dartmouth president Sian Beilock to pass him a tennis racquet.</p> <p>“OK, so for your forehand, you’ll want to use an eastern grip,” he said.</p> <p>“Keep your knuckles apart a little bit. Obviously, you don’t want to squeeze the grip too hard.</p> <p>“Switching from forehand to backhand should be easy. Also, remember it all starts with the footwork and the take-back is as important as the follow-through."</p> <p>“No, this is not a metaphor. It’s just good technique.”</p> <p>Federer then ended his address with a wholesome message for the graduates, saying, “I will never forget this day and I know you won’t either.”</p> <p>“You have worked so hard to get here and left nothing on the court. From one graduate to another, I can’t wait to see what you all do next. Whatever game you choose, give it your best. Go for your shots. Play free. Try everything."</p> <p>“And most of all, be kind to one another and have fun out there.”</p> <p><iframe title="YouTube video player" src="https://www.youtube.com/embed/pqWUuYTcG-o?si=i4Pi8XY2JRYkyhd1" width="560" height="315" frameborder="0" allowfullscreen="allowfullscreen"></iframe></p> <p><em>Image credits: Instagram - Dartmouth</em></p>

Retirement Life

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Gina Rinehart's financial advice for Anthony Albanese

<p>Gina Rinehart has offered some free and unsolicited financial advice to Prime Minister Anthony Albanese in the wake of his divisive Federal Budget. </p> <p>Australia's richest woman, who has no experience in politics, suggested cutting the fuel excise and halting immigration would have a greater positive impact on the economy, as opposed to the Albanese government's measures to curb the cost of living. </p> <p>Rinehart has been critical of the $300 handout to combat energy bills regardless of household income, and believes that a big-spending budget is not the best way forward.</p> <p>Rather than tax Australians more to hand the money out again through handouts and welfare, she said lower taxes overall was a better way forward.</p> <p>Ms Rinehart said cutting fuel tax, which the government has rejected as too expensive, was one option.</p> <p>“I have advocated strongly for the government to directly reduce costs of living for Australians by cutting their fuel excise taxes, which would spread not only to car users, but all products that require transport,’’ she told <a href="https://www.news.com.au/finance/economy/australian-economy/gina-rinehart-tells-anthony-albanese-to-cut-fuel-excise-migration/news-story/bb84ef69e8a19506e7e3ae3e1f678e7c" target="_blank" rel="noopener"><em>news.com.au</em></a>.</p> <p>“I have also advocated for cutting other taxes, payroll tax, stamp duty and license fees, that not only would bring down the cost of living, but were supposed to have been cut when GST was introduced decades ago."</p> <p>“Big spending, big government costs all (which I advocate against), and adds to the costs of living."</p> <p>“Recycling taxes paid is very inefficient, the taxpayer is actually better off paying less tax, and spending their income as they prefer.”</p> <p>Ms Rinehart, who has racked up a net worth of over $46.5 billion AUD through her investments into mining, has previously suggested a better way is to cut taxes and allow people to keep more of what they earn.</p> <p>“To help people suffering the most on low incomes, such as veterans, pensioners and uni students, if the government really cared about these fellow Australians struggling with high costs, they would remove the onerous government paperwork and their unfair limits on pensioners, veterans and students working hours, each of whom face higher effective tax rates than me if they choose to work above a very small threshold of hours,’’ she said.</p> <p>“Letting Australians who want to work, work, would be not only better for those Australians and their families, but would save the need for the government’s very expensive policy of hugely increased immigration, to allegedly bring in more workers.”</p> <p><em>Image credits: Darren England/EPA-EFE & LUKAS COCH/EPA-EFE/Shutterstock Editorial</em></p> <p> </p>

Money & Banking

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Nat Barr quizzes Jim Chalmers over one major budget flaw

<p>Nat Barr has quizzed treasurer Jim Chalmers over one major flaw in the federal budget. </p> <p>On Tuesday night, Chalmers <a href="https://oversixty.com.au/finance/money-banking/biggest-winners-and-losers-of-the-2024-25-federal-budget" target="_blank" rel="noopener">handed down</a> his third federal budget that prioritised cost-of-living relief, with one major initiative saving Aussies big on their next energy bills. </p> <p>All Australian families will get $300 off their annual electricity bill, while small businesses will also get a $325 rebate for their bills.</p> <p>Chalmers joined Nat Barr on <em>Sunrise</em> on Wednesday morning to discuss the initiative further, as the host pointed out one major flaw in the government's plan. </p> <p>“If you’re earning a million dollars, why do you need a $300 power rebate?” Barr asked.</p> <p>But Chalmers said wealthier Australians weren’t the focus of the rebate, as everyday Aussies struggling with the rising cost of living were sure to benefit. </p> <p>“It is primarily for people doing it tough — you know, millions and millions of Australians are under cost-of-living pressure,” he said.</p> <p>“We’re trying to help. So more help is on the way for millions of people under the pump. Whether it is a tax cut for every taxpayer or energy bill relief for every household.”</p> <p>Barr asked Chalmers if people earning $1 million were “under pressure”, but the treasurer said offering specifically targeted assistance was logistically impossible.</p> <p>“Once you go beyond (pensioners), you have to design a whole new system because the energy retailers that we use to provide this help, they don’t have income information for people,” he said.</p> <p>“We deliver this relief via energy bills, via the retailers. There’s not a system that allows you to slice and dice that beyond providing it either to people on pensions and payments.”</p> <p>Barr's comments were echoed online, with many slamming the logistics of the rebate on social media. </p> <p>"I'm sure Gina Rinehart is stoked she's getting $300 back on her energy bills," one person commented. </p> <p>Another added, "If this stupid government gives me $300 off my energy bills it goes straight to charity. Join me if you can afford it."</p> <p>A third wrote, "Feel like there should be an exemption in the $300 energy rebate for anyone who has ever slept under a doona with the aircon on."</p> <p><em>Image credits: Sunrise </em></p>

Money & Banking

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Biggest winners and losers of the 2024-25 Federal Budget

<p>The unveiling of the federal budget by Treasurer Jim Chalmers was marked by a dual focus on addressing cost-of-living pressures and strategically investing in Australia's future – and was predictably met with <span style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;">both praise and criticism. </span></p> <p>Reflecting a delicate balancing act between providing immediate relief to vulnerable segments of society and ensuring long-term fiscal sustainability, the measures to alleviate cost-of-living pressures and support key sectors appear commendable, yet concerns persist regarding the adequacy of support for welfare recipients and the potential implications of immigration policies on international education. </p> <p>Read on for the high points, the low points, and all the biggest winners and losers of the federal budget for 2024-25.</p> <p><strong>BIGGEST WINNERS:</strong></p> <p><strong>Low and Middle-Income Earners:</strong></p> <p>At the core of the budget lies a commitment to alleviate the financial strain on low and middle-income earners. With the implementation of stage three tax cuts, Australians can anticipate a welcome increase in their take-home pay. These cuts, announced earlier in the year, are projected to inject an average of $36 per week into taxpayers' pockets by 2024-25. Notably, this initiative is expected to benefit 84% of taxpayers and 90% of women, signalling a targeted effort to support those most in need.</p> <p><strong>Parents:</strong></p> <p>In a move towards greater gender equality and financial security, the government has extended superannuation payments to parents on paid leave. This initiative aims to bridge the superannuation gap and provide approximately 180,000 families annually with additional financial support during crucial early parenting stages.</p> <p><strong>Households and Small Businesses:</strong></p> <p>Acknowledging the escalating energy costs, a $300 rebate on energy bills was announced for more than 10 million households. It was this facet of the budget that drew ire from Jacqui Lambie, Federal Senator for Tasmania, who was furious over the "bizarre" decision, which sees funds being spent on high-income earners such as herself at a time of rising inflation. 'We don't need $300, I can assure you,' she said to a post-budget panel on <em>ABC's Insiders</em> on Tuesday night. "That [funding] should have been passed forward. I find it bizarre."</p> <p>Additionally, small businesses stand to benefit from a $325 boost to alleviate power bill pressures. The extension of the instant asset write-off and the abolishment of 457 nuisance tariffs signal the government's commitment to supporting small businesses and fostering economic growth.</p> <p><strong>Aged Care Workers, Renters, Women, Last-Minute Travellers, Music Festivals, and PBS Patients:</strong></p> <p>The budget also addresses various sectors of society, including aged care workers, renters, women, last-minute travellers, music festivals and Pharmaceutical Benefits Scheme patients. Measures such as wage increases, rent assistance, healthcare subsidies and support for cultural events underscore the government's multifaceted approach to addressing societal needs.</p> <p><strong>Students:</strong></p> <p>Recognising the financial challenges faced by students, the government has taken steps to ease the burden of student debt. By wiping out $3 billion in student debt and overhauling the indexation of HECS debt, thousands of Australian students stand to benefit. Moreover, the introduction of payments for compulsory work placements acknowledges the financial strain faced by students pursuing vocational and tertiary education.</p> <p><strong>BIGGEST LOSERS:</strong></p> <p><strong style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;">International Students:</strong></p> <p>In response to concerns about housing shortages and migration pressures, the government has signaled a crackdown on the influx of international students. Universities will be required to match enrolment growth with adequate housing infrastructure, potentially limiting opportunities for international students seeking education in Australia.</p> <p><strong style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;">Welfare Recipients:</strong></p> <p>Despite calls for a significant increase in JobSeeker and Youth Allowance payments, the budget falls short of implementing substantial changes in welfare support. While some targeted assistance is provided to individuals facing barriers to employment, broader calls for income support reform remain unaddressed.</p> <p><strong>High-Income Earners:</strong></p> <p>While the budget aims to provide relief to low and middle-income earners, high-income earners may experience a less substantial boost to their incomes compared to previous projections. This recalibration reflects the government's commitment to a fair and equitable distribution of resources.</p> <p><em>Image: ABC</em></p>

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