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World's oldest practicing doctor shares his secrets to a long life

While most people slow down with age, Dr Howard Tucker has spent more than a century proving that passion and purpose are the best medicine. At 102 years old, the American neurologist has lived a life so extraordinary it earned him a Guinness World Record as the oldest practicing doctor – an honour he received just before turning 99. Though he officially hung up his white coat at 100, Tucker remains as active and engaged as ever. Today, he lectures future physicians at Case Western Reserve University in Cleveland, Ohio, and consults on medico-legal cases – work made possible by a law degree he earned at 67. His message? Retirement is not a requirement. “Retirement, I think, is the enemy of longevity,” Dr Tucker recently told Al Roker on NBC’s Today. “You have to have some purpose in life and get up in the morning and know what you’re about.” Even after the hospital where he worked shut its doors in 2022, ending his medical practice at 100, Tucker hasn’t ruled out returning to clinical work. “If it wasn’t for the closure, I’d absolutely still be seeing patients,” he told People. “Nobody wants me at my age – but I’ll keep trying.” His enthusiasm for life has captured the public imagination, especially through What’s Next, a documentary about his life produced by his grandson. The film has gone viral on TikTok, turning the centenarian into an unexpected social media sensation. Dr Tucker credits his longevity not just to good genes – his parents lived to 84 and 96 – but to lifestyle choices. “Heredity and family history of longevity is a healthy start,” he wrote in his Guinness World Record submission. “However, it must be supported by moderation of nutrition, alcohol and happiness.” His daily routine reflects that philosophy. He snowshoes in the winter, walks on the treadmill for at least four kilometres a day, and eats a mostly clean diet – fruit and cereal in the morning, fish and vegetables at night. Lunch is often skipped to maintain mental clarity. Dessert, however, is a staple – typically fruit or ice-cream, enjoyed with his wife of over 70 years. And while he rarely drinks, he allows himself the occasional martini. One thing he’s always avoided: cigarettes. Dr Tucker also says its important to keep the brain stimulated. “If they retire from their work, they should at least do something as a hobby,” he told Today. “You need a stimulus for the brain daily.” Science backs him up. Research shows that ongoing learning, social connection, and a sense of purpose contribute to mental acuity and longevity. Tucker’s life is a blueprint for all three. He remains close to his four children and 10 grandchildren and is an avid sports fan. Despite a fall in his late 80s that ended his skiing days with a broken neck, Tucker hasn’t let injury slow him down. Instead, he’s adapted, always finding new ways to stay active. With his 103rd birthday on the horizon in July, Dr Tucker says he isn’t concerned about the end. “I never think of death,” he said. “To be alive is to know that you’re going to die because life is a fatal disease. And so I live it.” For a man who’s devoted his life to healing others, Dr Howard Tucker’s greatest lesson might be how to truly live. Images: Instagram

Caring

How to get started investing later in life

For some people – particularly women – investing may not have been an option until now, constrained by a lack of income while raising children or low incomes leaving nothing to invest once the bills were paid. Others find a new-found need to invest later in life, such as after a separation, inability to work through illness or injury, or the sudden death of their partner. No matter your reason for exploring investing later in life, the following pointers will get you on your way to building financial independence and a comfortable retirement. Update your strategy When was the last time you updated your spending and investment plan (or household budget)? It may have been before the kids left home, your mortgage was paid off, or you began transitioning into part-time retirement. If so, your living costs have changed significantly – work expenses, home energy consumption, groceries etc. Furthermore, your goals, healthcare and lifestyle needs may also have changed. Update your strategy to align with your current goals, values, income and spending habits. Only then will you understand how much you can afford to invest and where to direct those funds. Right-size your superannuation In your later years, super is likely to be front of mind. Ensure this investment works its hardest for you by scrutinising its: • Structure: retail or industry fund? SMSF? Each has its own costs and benefits to contemplate. • Investments: reexamine the types of assets held, level of diversification and risk weighting. • Insurances: do you have adequate life, permanent disability and income protection cover? • Take advantage of superannuation strategies you may not be aware of Unlock home equity The biggest source of money you likely have at this stage of life is equity in your home. This can be used to invest with minimal impact on your everyday finances. In fact, unused equity is effectively dead money (until you sell the property). I always urge caution on reverse mortgages. In theory, they seem like a great way of unlocking equity without saddling you with regular repayments. However, they typically: • accumulate more debt. • have higher interest rates than standard mortgages. • only grant access to a portion of your equity. • can restrict your options to downsize later. • could leave you with no remaining equity when you sell the property or nothing to leave to your benefactors when you pass away. Consider downsizing An alternative to refinancing is downsizing from the family home. As well as unlocking money for investing, you benefit from lower upkeep costs (and cleaning!) on a smaller property and can make a lifestyle change at the same time (moving nearer to family, away from bustling cities, or into supported care if required). Additionally, you may be able to use part of the sale proceeds (up to $300,000) to turbocharge your super with a one-off <a href="https://www.ato.gov.au/individuals-and-families/super-for-individuals-and-families/super/growing-and-keeping-track-of-your-super/how-to-save-more-in-your-super/downsizer-super-contributions" target="_blank" rel="noopener">downsizer contribution</a>. Examine pension impacts Investing can impact your ability to claim the age pension when you retire, and how much you receive. This often comes to bite people who unlock equity in their home to invest, without realising that doing so means the money suddenly counts towards the pension means test. Before doing anything, methodically weigh up which will leave you financially better off – claiming a full or part pension, or self-funding your retirement through investments. Minimise tax Hefty tax bills can easily wipe out any investment returns, making tax a crucial factor in your decision-making. Potential tax considerations to factor into your strategy include: • Determining the most tax-effective ownership structure (e.g. do you invest in your or partner’s name? Through your super? Through a trust or company? • Incorporating stamp duty into purchase costs. • Ensuring there is enough profit from the sale of an investment to cover Capital Gains Tax (CGT) and income tax liabilities before deciding to sell. • Timing a sale to fall within the optimal financial year (e.g. in a year where your taxable income is lower or when relevant tax changes come into effect). Invest in knowledge Later in life, you have fewer working years remaining to recover any losses. Given the far-reaching implications of investing, I highly recommend first speaking to a financial adviser. Many times the fees are paid for in initial tax savings. They can help you maximise your returns, minimise your tax, ensure you don’t inadvertently leave yourself worse off and give you peace of mind. After all, the whole point of investing is to make money. And, without current professional advice, you simply don’t know what you don’t know! Helen Baker is a licensed Australian financial adviser and author of the new book, Money For Life: How to build financial security from firm foundations (Major Street Publishing $32.99). Helen is among the 1% of financial planners who hold a master’s degree in the field. Proceeds from book sales are donated to charities supporting disadvantaged women and children. Find out more at <a href="http://www.onyourowntwofeet.com.au/" target="_blank" rel="noopener">www.onyourowntwofeet.com.au</a> Disclaimer: The information in this article is of a general nature only and does not constitute personal financial or product advice. Any opinions or views expressed are those of the authors and do not represent those of people, institutions or organisations the owner may be associated with in a professional or personal capacity unless explicitly stated. Helen Baker is an authorised representative of BPW Partners Pty Ltd AFSL 548754.

Retirement Income

"I choose to focus on a good memory": Jelena Dokic confirms her father's death

Australian tennis icon Jelena Dokic has shared the deeply personal and painful news of her estranged father Damir Dokic’s passing. He died in the late hours of Friday May 16, the 42-year-old revealed in an emotional Instagram post. Known as one of Australia’s brightest tennis talents, Dokic has also been widely respected for her courage in publicly confronting and sharing the trauma of her past, particularly the abusive relationship she endured with her father throughout much of her life. “As you know my relationship with my father has been difficult and painful with a lot of history,” she wrote alongside a photo of herself as a child, smiling beside her father. “Despite everything and no matter how hard, difficult and in the last 10 years even non-existent our relationship and communication was, it is never easy losing a parent and a father — even one you are estranged from.” Describing her grief as “difficult and complicated”, Dokic said his passing marked the end of a long and painful chapter in her life. “I choose to focus on a good memory like this picture,” she said. <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-captioned="" data-instgrm-permalink="https://www.instagram.com/p/DJ6J4k8JiW4/?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/p/DJ6J4k8JiW4/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by JELENA DOKIC 🇦🇺🇦🇺🇦🇺 (@dokic_jelena)</a> </div> </blockquote> Damir Dokic, a former coach and controversial figure in the tennis world, was notorious for his volatile behaviour during Jelena’s playing career. He was eventually banned from the WTA Tour and later made headlines in 2009 when he was jailed after threatening to blow up the Australian ambassador to Belgrade. Jelena has been open about the physical and emotional abuse she suffered at his hands – revelations that shocked the tennis community and drew global attention. In a recent documentary aired earlier this year, the former world No.4 and Wimbledon semi-finallist spoke with heartbreaking honesty about the violence she endured as a teenager. “I remember he was so mad that he goes into the bathroom with me, locks the door, and he beat the crap out of me,” she recalled. “He slammed my head against the wall multiple times. He was kicking me. My shins were so bruised, I couldn’t walk... He actually punches me in the head. And then I went unconscious for a little bit. He also stepped on my head as well.” As the tennis world reacts with compassion and sadness, Jelena Dokic’s bravery continues to inspire many – not only as a former champion on the court, but as a powerful voice off it. Images: Instagram

Family & Pets

Lisa Curry’s emotional plea 5 years after Jaimi's tragic death

Aussie swimming legend Lisa Curry has made a heartfelt appeal in memory of her late daughter, Jaimi Kenny, who tragically passed away in 2020 at the age of 33 following a prolonged and painful battle with alcoholism and an eating disorder. Appearing on Nine News, the 63-year-old former Olympian opened up about her devastating loss and called on Australians to participate in a groundbreaking new genetic study that aims to detect eating disorders from birth. “She just sort of took a breath and then her hands went cold – that was it,” Lisa recalled, her voice heavy with emotion. Jaimi’s struggle with anorexia, bulimia and binge eating left her mother with more questions than answers. “She’d say, ‘Where did it come from? Why am I like this?’” Lisa shared, still haunted by her daughter’s anguish. Now, in the midst of grief, Lisa is channelling her pain into purpose. She is urging Australians to volunteer for a pioneering genetic research project led by Queensland’s QIMR Berghofer Medical Research Institute. The study hopes to enlist 4,000 local participants and 100,000 globally, collecting saliva samples to identify potential genetic markers linked to eating disorders. Professor Nick Martin, who is leading the study, explained that genetic predisposition plays a significant role in the development of such illnesses – a discovery that could change lives and save them. Lisa’s renewed call for awareness and action follows her own harrowing health battles. In recent months, she revealed she’s been in “recovery” from the unrelenting grief of losing Jaimi. After more than three years, she finally returned to the gym – a milestone made even more significant by the physical pain of a hip replacement, the result of a fall while husky sledding in Canada last year. Lisa’s health history also includes myocarditis, a mitral valve prolapse inherited from her mother, and a fractured sternum. "Seventeen years ago, I had 22,000 irregular heartbeats a day,” she wrote. “That was the start of a different life.” Since the loss of Jaimi, Lisa has committed herself to raising awareness about the silent struggles so many face – especially when it comes to eating disorders. Her message is simple but urgent: more research, more understanding and more compassion are desperately needed. If you or someone you know is struggling with an eating disorder, support is available. Contact the Butterfly Foundation’s national helpline at 1800 33 4673 or visit <a href="https://butterfly.org.au/" target="_blank" rel="noopener">thebutterflyfoundation.org.au</a>. Images: Instagram / Nine News

Caring

Aussie Olympian sentenced over wife's death

Olympic cycling champion Rohan Dennis has received a suspended prison sentence over a road incident that led to the tragic death of his wife, fellow Olympian Melissa Hoskins, in Adelaide late last year. Dennis, 34, appeared before South Australia’s District Court on Wednesday, where he was sentenced to one year, four months and 28 days in prison. However, Judge Ian Press suspended the sentence, citing Dennis’s guilty plea, remorse and his responsibilities as the sole carer for the couple’s two young children. Dennis had earlier pleaded guilty to committing an aggravated act likely to cause harm in relation to the events of 30 December 2023. Judge Press acknowledged the deep impact of the incident, saying that calling it "tragic" did not do justice to the "grief, anguish and turmoil" experienced by those close to Hoskins. Hoskins, 32, died after being struck by Dennis's vehicle outside their home in Medindie, Adelaide. The court heard the couple had been arguing over kitchen renovations before Dennis left the house and got into his car. During the confrontation, Hoskins reportedly jumped onto the car’s bonnet. Judge Press described driving with a person on the bonnet as “an inherently risky and dangerous act”. After she dismounted and attempted to open the car door, Dennis closed it and accelerated without realising she was still holding onto the vehicle. Hoskins then fell and suffered fatal injuries. Judge Press made it clear that Dennis was not charged with causing Hoskins’s death, but rather with a dangerous act that contributed to the chain of events. “I accept you have a sense of responsibility for all that occurred,” he told Dennis. “I accept you have anguished over what could have been different if you had acted in some other way.” Dennis, who remained emotionless throughout the sentencing, was also issued a $100, two-year good behaviour bond, and his driver's licence was suspended for five years. The judge warned that any breach of the driving ban would result in immediate imprisonment. Outside court, Hoskins’s father Peter expressed the family's grief but also their desire to move forward. “We miss Melissa terribly,” he said, his voice breaking. “But it’s time for us to move on, which would be Melissa’s expectation of us.” He added that the family intended to remain closely involved in the lives of the couple’s children and hoped to maintain a respectful relationship with Dennis. “They deserve this. They have done nothing wrong,” he said. Though the family had not yet received an apology from Dennis, Hoskins said he believed it would come in time. He also clarified they had not sought a custodial sentence, saying, “For them to go and lose their dad… albeit a temporary loss… I don’t think that would be ideal at all.” Melissa Hoskins was a celebrated cyclist, having represented Australia in the team pursuit at the 2012 and 2016 Olympics and winning a world championship in 2015. Rohan Dennis is a two-time world champion in the road time trial and a dual Olympic medallist. The case has drawn widespread public attention, not only for the prominence of the individuals involved, but also for the deeply personal and painful circumstances surrounding the incident. Image: Fox Sports

Legal

Another Aussie traveller found dead in Thailand

A 41-year-old Australian man from South Australia has been found dead in the waters off Freedom Beach in Phuket, three days after he was reported missing by his wife while on holiday. According to Thai authorities, the man was last seen on May 7, prompting a search effort after his disappearance. His body was discovered on the morning of May 10 by the chief lifeguard during a routine patrol. The lifeguard spotted the body drifting about 20 metres from the shore amid strong surf conditions. Officers from Karon Police Station responded to the call and retrieved the body using ropes due to the rough seas. The man was found wearing only black underpants, and emergency responders pulled him to shore for formal identification. Police Lieutenant Colonel Wiwat Chamnankit confirmed that the man had been in Thailand since April 20. He told local outlet Asia Pacific Press that the victim’s family has been notified. “We believe that the sea currents were too strong for him to swim back to land,” Lt. Col. Chamnankit said. “Tourists should not go in the sea during these conditions when there are strong waves, unless they are with an experienced guide.” The body has been transferred to Vachira Phuket Hospital, where an autopsy will be conducted to determine the cause of death. The circumstances surrounding the incident remain under investigation. This incident marks the second death of an Australian tourist in Thailand within the past week. On May 3, 22-year-old Melbourne man Corey Walsh died after jumping from a tour boat near the popular snorkelling area of Koh Racha Yai. Authorities said he had consumed a significant amount of alcohol before repeatedly entering the water. Walsh was pulled from the sea unconscious and unresponsive. Despite efforts by tour conductors and emergency responders, he was pronounced dead at Chalong Hospital. No illegal substances were found on board, though empty alcohol bottles were recovered. These back-to-back tragedies come after the drowning of Chinese tourist Zhang Xiaohan, 30, who was scuba diving near Kabakan Island in East Kalimantan, Indonesia. She was swept away by strong currents while attempting to retrieve her GoPro camera. Her body was later found 88 metres underwater, near a known diving route. Image: Asia Pacific Press

Travel Trouble

“Angels in scrubs”: Cancer survivor's pledge to repay the nurses who saved his life

Just six months after completing one of the most aggressive cancer treatment regimens his hospital had ever seen, Shane Whiteford is lacing up his running shoes – not to escape his past, but to honour those who carried him through it. Diagnosed in December 2023 with a rare and dangerously situated Ewing Sarcoma in his neck, Shane’s year-long battle with cancer included major surgery, a gruelling 12 months of chemotherapy, and four relentless weeks of daily radiation. Now in recovery, the devoted father of two, husband and son is taking on a different kind of challenge: running 200 kilometres in the month of June to raise funds – not for hospital equipment or research – but for the nurses he calls “angels in scrubs”! “They help you understand the complexities of treatment, they talk you through each step,” Shane said. “And along the way, they become friends, therapists, a shoulder to cry on, and your rock to rely on.” From chemo chairs to emotional breakdowns, the oncology nurses at <a href="https://www.calvarycare.org.au/hospitals/calvary-mater-newcastle/services-and-clinics-3/cancer-services-3/medical-oncology" target="_blank" rel="noopener">Calvary Mater Newcastle’s Day Treatment Centre</a> were with Shane through it all. And now, he wants to give back. “This fundraiser is for them,” Shane wrote on his <a href="https://www.gofundme.com/f/oncology-nurses-at-calvery-mater-newcastle" target="_blank" rel="noopener">GoFundMe page</a>. “Not the hospital, not the directors… but for my great support team.” The funds raised will go toward whatever the nursing team chooses – “something to make their workdays a little brighter.” Running an average of six kilometres per day, Shane’s goal is part of his ongoing rehab – his return to physical fitness only beginning in February 2025 after months of debilitating treatment. “I am now six months clear and have started to gain my ‘new’ normal life,” he shared. “This run is my way of saying thank you. I couldn't have done my journey without them.” With every kilometre, Shane is not only rebuilding his strength but reminding the world of the quiet heroes in our hospitals. His battle cry? “FU Cancer. I kicked your ass.” And now, with every step, he’s lifting others up – one stride, one donation and one angel in scrubs at a time. Image: GoFundMe

Caring

Lauren Zonfrillo speaks on husband Jock’s sudden death

In a moment that has resonated with grief across Australia and beyond, Lauren Zonfrillo has spoken publicly for the first time about the devastating loss of her husband, celebrated chef and MasterChef Australia judge Jock Zonfrillo. Zonfrillo, just 46 years old, was found dead in a Melbourne hotel room in May 2023. The suddenness of his passing left his family shattered – his wife Lauren and their two young children were on the other side of the world in Italy when they received the unimaginable news. Since then, many questions have lingered, especially around the cause of his death. But Lauren has now made it clear: those details will remain private. Speaking in an emotional interview with Liz Hayes for 7NEWS Spotlight, Lauren shared how she and the coroner agreed not to make Jock’s cause of death public – a decision made out of respect, protection and love. “We spoke to the coroner multiple times because the inquest took a while,” she said. “It was just sort of agreed that for the privacy and safety of our family... that it wouldn’t be in the public’s best interest or our best interest, and that was determined well before the report was finalised.” In Victoria, coronial findings are not always made public, and discretion can be used if deemed to be in the public interest. Earlier this year, it was confirmed that the investigation into Zonfrillo’s death was concluded in August 2024, with no report to be released. While some sources close to the family have said the beloved chef died of natural causes, Lauren said it was her desire to shield her family from further public scrutiny – and to preserve some part of the man who, to them, was far more than a television personality. “Up until Jock’s death, yes, he was a public figure,” she said. “But, since we lost Jock, I’d been trying to reclaim some of his privacy… to give him some peace as much as I can. To us, he’s Dad, Papa, husband – and he’s not a public figure to us anymore.” As tributes to Jock continue to pour in, the grief of his family remains raw – and the privacy they seek a small comfort in the shadow of profound loss. Images: 7NEWS Spotlight

Caring

Aussie bank says good news on the way for homeowners

Bendigo Bank is forecasting four interest rate cuts from the Reserve Bank of Australia (RBA), including one later this month, following the release of key inflation figures that show underlying inflation has returned to the central bank’s target range for the first time in over three years. According to Bendigo Bank’s chief economist David Robertson, the RBA is expected to pivot from its primary focus on inflation to broader economic concerns such as employment and growth. “The RBA has been dealing with global inflation shock for three years, but its concerns are quickly moving from price stability and inflation to protecting growth and jobs,” Robertson said. The RBA's preferred measure of underlying inflation, the trimmed mean, fell from 3.3% to 2.9%, marking a return to the target range of 2–3% for the first time since December 2021. Headline inflation held steady at 2.4%. Robertson said the new inflation data sets the stage for a rate cut on May 20, with the only remaining uncertainty being the size of the cut. “The next cut is almost certain for May 20, but of what magnitude?” he said, suggesting a 35 basis point reduction was more likely than a larger move. “A larger 50 basis point cut in May is most unlikely unless markets become dislocated like in the GFC.” Bendigo Bank is forecasting a total of four rate cuts, including the expected May move, bringing the cash rate down to approximately 3.1% by the end of the year. Market analysts are even more aggressive, pricing in five cuts that could take the rate to around 2.8%. Despite the improved inflation outlook, global economic headwinds remain a significant concern. Robertson pointed to ongoing market volatility driven by US President Donald Trump’s trade tariffs and uncertainty surrounding global trade flows. “Equity markets have been clawing back some of their losses but there are still difficult times ahead,” he said. “Tariffs are generally bad for everyone but especially problematic for the country imposing them.” The International Monetary Fund (IMF) has revised global growth projections in light of the economic tensions, cutting its forecast for US GDP growth from 2.7% to 1.8% and China’s from 4.6% to 4%. Australia, too, has felt the impact, with the IMF reducing its 2025 growth estimate from 2.1% to 1.6%. Bendigo Bank has adjusted its own forecast accordingly, downgrading Australia’s expected growth to 2%. With inflation easing and global pressures mounting, the RBA appears poised to shift gears from restraint to support. “The environment is changing quickly,” said Robertson. “It’s time for the RBA to support the broader economy again.” Image: Bendigo Bank

Money & Banking

"Find a life worth enjoying": King Charles opens up on his battle with cancer

King Charles III has opened up publicly for the first time about his battle with cancer, offering a heartfelt reflection on the lessons he has learned during a special event at Buckingham Palace. The monarch, who was diagnosed with cancer in February 2024, described the experience as one that “brings into sharp focus the very best of humanity”, as he addressed guests gathered to celebrate community initiatives raising cancer awareness and supporting those affected by the disease. “Each diagnosis, each new case, will be a daunting and at times frightening experience for those individuals and their loved ones,” the King said. “It has certainly given me an even deeper appreciation of the extraordinary work undertaken by the remarkable organisations and individuals gathered here this evening.” The event was attended by healthcare professionals, volunteers, advocates and families affected by cancer, many of whom Charles has supported throughout his public life. He praised their efforts, noting that his own experience had reinforced a long-held belief: that compassion and connection are vital to the healing journey. “The darkest moments of illness can be illuminated by the greatest compassion,” he said, highlighting the roles of hospice volunteers, specialist nurses and support groups in forming what he called a “community of care”. Charles also expressed his family's deep gratitude to the healthcare professionals involved in cancer treatment across the UK. “They have my whole family’s deepest admiration and gratitude,” he said. “Their care represents the very best our country can offer.” While the King has kept the specific details of his condition private, Buckingham Palace confirmed he was <a href="https://www.oversixty.com.au/health/caring/king-charles-admitted-to-hospital" target="_blank" rel="noopener">hospitalised last month</a> due to side effects from his treatment. His diagnosis came just weeks before Princess Kate, 43, revealed she was undergoing preventative chemotherapy, sparking concern and sympathy across the nation and beyond. Global statistics underscore the urgency of the fight against cancer: in 2022, approximately 20 million new cases were diagnosed worldwide, with 9.7 million lives lost, according to the American Cancer Society. Concluding his remarks, King Charles shared a quote from Dame Deborah James – the beloved British journalist and campaigner who died of bowel cancer in 2022 – whose parents were in attendance at the Palace. “‘Find a life worth enjoying; take risks; love deeply; have no regrets; and always, always have rebellious hope,’” he said. Image: Sunrise

Caring

Murder charge laid after death of 19-year-old ironwoman

A 53-year-old man has been charged with the murder of 19-year-old ironwoman <a href="https://www.oversixty.com.au/health/caring/beloved-aussie-athlete-found-dead-at-just-19" target="_blank" rel="noopener">Audrey Griffin</a>, nearly a month after her body was discovered in a creek on the NSW Central Coast. Griffin’s body was found partially submerged in Erina Creek near The Entrance Road in Erina around 3:45pm on March 23 – the same day she was reported missing following a night out with friends. At the time, her death was not considered suspicious. However, a renewed police investigation and subsequent inquiries shifted the course of the case, culminating in the man’s arrest in Sydney on Monday April 21. The breakthrough came just three days after police released an image of a man they were seeking to speak with in relation to the case. The man was taken into custody and transported to Surry Hills Police Station, where he was charged with murder. In addition, he faces 11 domestic violence charges that are unrelated to the murder. Police will allege the man was involved in a physical altercation with Griffin prior to her death. He was refused bail and is due to appear before Downing Centre Local Court. Audrey Griffin was a promising young athlete and beloved member of the surf lifesaving community. Her death has sent shockwaves through the local community and beyond. Police have not ruled out further charges as investigations continue. Images: Facebook

Legal

Pope Francis' cause of death and burial wishes revealed

The Vatican has confirmed that Pope Francis died from a stroke followed by heart failure, according to an official statement released by the Vatican press office. The 88-year-old pontiff passed away on Easter Monday, April 21, with underlying health conditions also contributing to his death. In a statement signed by Andrea Arcangeli, Director of the Health and Hygiene Directorate of the Vatican City State, the Vatican revealed that Francis had suffered a previous episode of acute respiratory failure, along with arterial hypertension and type II diabetes. Pope Francis made his final public appearance on Easter Sunday, where he delivered a brief Easter blessing to thousands gathered in St Peter’s Square. Unable to finish reading his address, the ailing pope sat as an aide delivered the rest of the speech, which called for peace in war-torn regions such as Gaza, Ukraine and Sudan. Following his death, the Vatican also made public the burial wishes outlined in the pope’s will. Francis requested a simple burial in the ground at Rome’s Basilica di Santa Maria Maggiore – marked only with the Latin inscription Franciscus. This will be the first time in over a century that a pope will be buried outside the Vatican. According to the will, an anonymous benefactor has agreed to cover the costs of his burial. With the pontiff’s passing, the Catholic Church now enters a traditional period of mourning known as the Novendiales, lasting nine days. During this time, Pope Francis will lie in state as preparations for his funeral are made. The conclave – the sacred process to elect a new pope – is expected to begin no sooner than 15 days and no later than 20 days following his death. Pope Francis, born Jorge Mario Bergoglio, became the first pope from the Americas and the first Jesuit pope. His death marks the end of a papacy defined by humility, progressive stances and a deep focus on global humanitarian issues. Images: Wikimedia Commons

Caring

Win a free Legacy Film and capture a life story that matters

Have you ever wished you could freeze time – preserve a loved one’s stories, laughter and quiet reflections so they can be cherished for generations to come? Now you can. Danika Armytage, founder of <a href="https://www.bigstorieslittlefilms.com.au/" target="_blank" rel="noopener">Big Stories Little Films</a>, recently appeared on The Morning Show to share her mission: helping Australians preserve their life stories on film. And now, she’s giving one lucky person the chance to win a professionally made legacy film – completely free. Take a look: <iframe title="YouTube video player" src="https://www.youtube.com/embed/z1DPvQFmZFg?si=8yIDGnbaKRA20n_D" width="560" height="315" frameborder="0" allowfullscreen="allowfullscreen"></iframe> A legacy film is a beautifully crafted short documentary film that captures a life story, family history, and the wisdom passed between generations – something to treasure forever. Nominations are open throughout April, with the winner to be announced in May. Valued at over $3,000, the film can feature the life story of an individual or a couple. So how will the winner be chosen? “The story doesn’t need to be defined by fame or accolades,” Danika says. “Maybe the person has led an extraordinary life, overcome big obstacles, or perhaps this film is simply something their family deeply wants to preserve. When choosing the winning nomination, it’s really about the story that matters to the people who love them.” While the giveaway is open to everyone, Danika adds that they’re especially mindful of those for whom the timing feels particularly important. “There are some stories that really can’t wait to be told,” she explains. “But truly, I encourage everyone to apply.” If you or someone you love has a story worth telling – and treasuring – head to <a href="https://www.bigstorieslittlefilms.com.au/" target="_blank" rel="noopener">bigstorieslittlefilms.com.au</a> to submit a nomination. And if you DO win, be sure to contact us via <a href="mailto:contact@oversixty.com.au" target="_blank" rel="noopener">contact@oversixty.com.au</a> so we can share it with the world! Images: Big Stories Little Films

Movies

Good news for beach lovers

<div class="theconversation-article-body"> Picture this: you’re lounging on a beautiful beach, soaking up the sun and listening to the soothing sound of the waves. You run your hands through the warm sand, only to find a cigarette butt. Gross, right? This disturbing scene is typical of coastal pollution in Australia. But fortunately <a href="https://www.sciencedirect.com/science/article/pii/S0025326X25003261">our new research</a> shows the problem is getting better, not worse. Over the past ten years, the amount of waste across Australian coastal cities has reduced by almost 40%. We’re also finding more places with no rubbish at all. We surveyed for debris in and around six Australian urban areas between 2022 and 2024. Then we compared our results to previous surveys carried out a decade ago. We found less coastal pollution overall and reset a new baseline for further research. Our study shows efforts to clean up Australia’s beaches have been working. These policies, practices and outreach campaigns have reduced the extent of pollution in coastal habitats near urban centres. But we can’t become complacent. There’s plenty of work still to be done. <figure class="align-center zoomable"><a href="https://images.theconversation.com/files/658227/original/file-20250328-62-jmuk08.jpg?ixlib=rb-4.1.0&q=45&auto=format&w=1000&fit=clip"><img src="https://images.theconversation.com/files/658227/original/file-20250328-62-jmuk08.jpg?ixlib=rb-4.1.0&q=45&auto=format&w=754&fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/658227/original/file-20250328-62-jmuk08.jpg?ixlib=rb-4.1.0&q=45&auto=format&w=600&h=450&fit=crop&dpr=1 600w, https://images.theconversation.com/files/658227/original/file-20250328-62-jmuk08.jpg?ixlib=rb-4.1.0&q=30&auto=format&w=600&h=450&fit=crop&dpr=2 1200w, https://images.theconversation.com/files/658227/original/file-20250328-62-jmuk08.jpg?ixlib=rb-4.1.0&q=15&auto=format&w=600&h=450&fit=crop&dpr=3 1800w, https://images.theconversation.com/files/658227/original/file-20250328-62-jmuk08.jpg?ixlib=rb-4.1.0&q=45&auto=format&w=754&h=566&fit=crop&dpr=1 754w, https://images.theconversation.com/files/658227/original/file-20250328-62-jmuk08.jpg?ixlib=rb-4.1.0&q=30&auto=format&w=754&h=566&fit=crop&dpr=2 1508w, https://images.theconversation.com/files/658227/original/file-20250328-62-jmuk08.jpg?ixlib=rb-4.1.0&q=15&auto=format&w=754&h=566&fit=crop&dpr=3 2262w" alt="A beautiful sandy beach, as seen from the cliff top." /></a><figcaption>One of the many beaches surveyed by CSIRO. TJ Lawson</figcaption></figure> <h2>What we did</h2> In Australia, three-quarters of the rubbish on our coasts is <a href="https://esajournals.onlinelibrary.wiley.com/doi/full/10.1002/fee.1447">plastic</a>. Even cigarette butts are mainly made of plastic. To tackle the pollution effectively, we need to understand where the waste is coming from and how it gets into the environment. Research has shown much of the <a href="https://www.nature.com/articles/srep44479">coastal debris</a> comes from local inland areas. Poor waste management practices can result in debris eventually making its way <a href="https://www.nature.com/articles/ncomms15611">through rivers</a> to the coast and <a href="https://www.science.org/doi/10.1126/science.1260352">out to sea</a>. We focused on urban areas because high population density and industrial activity contributes to waste in the environment. We examined six areas across Australia: <ul> <li>Perth in Western Australia</li> <li>Port Augusta in South Australia</li> <li>Hobart in Tasmania</li> <li>Newcastle in New South Wales</li> <li>Sunshine Coast in Queensland</li> <li>Alice Springs in the Northern Territory.</li> </ul> These places represent a starting point for the national baseline. At each location we studied sites on the coast, along rivers and inland, within a 100 kilometre radius. We inspected strips of land 2m wide. This involved two trained scientists standing in an upright position looking downward, slowly walking along a line surveying for debris items. Together they captured information about every piece of debris they came across, including the type of material and what it was originally used for (where possible). <h2>What we found</h2> On average, we found 0.15 items of debris per square metre of land surveyed. That’s roughly one piece of rubbish every five steps. Plastic was the most common type of waste. But in many cases it was unclear what the item was originally used for. For example, fragments of hard plastic of unknown origin were found in a quarter of all surveyed areas. Polystyrene fragments were the most common item overall (24% of all debris fragments). Other frequently encountered items included food wrappers or labels, cigarette butts, and hard plastic bottle caps or lids. We found more waste near farms, industry and disadvantaged areas. The types of waste varied among cities. For example, cigarette butts were the most prevalent items in Newcastle, Perth and the Sunshine Coast. But food wrappers and beverage cans were more prevalent in Port Augusta and Alice Springs, respectively. Hobart had the highest occurrence of beverage bottles and bottle fragments. <figure class="align-center zoomable"><a href="https://images.theconversation.com/files/659486/original/file-20250403-56-enmjio.jpg?ixlib=rb-4.1.0&q=45&auto=format&w=1000&fit=clip"><img src="https://images.theconversation.com/files/659486/original/file-20250403-56-enmjio.jpg?ixlib=rb-4.1.0&q=45&auto=format&w=754&fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/659486/original/file-20250403-56-enmjio.jpg?ixlib=rb-4.1.0&q=45&auto=format&w=600&h=424&fit=crop&dpr=1 600w, https://images.theconversation.com/files/659486/original/file-20250403-56-enmjio.jpg?ixlib=rb-4.1.0&q=30&auto=format&w=600&h=424&fit=crop&dpr=2 1200w, https://images.theconversation.com/files/659486/original/file-20250403-56-enmjio.jpg?ixlib=rb-4.1.0&q=15&auto=format&w=600&h=424&fit=crop&dpr=3 1800w, https://images.theconversation.com/files/659486/original/file-20250403-56-enmjio.jpg?ixlib=rb-4.1.0&q=45&auto=format&w=754&h=533&fit=crop&dpr=1 754w, https://images.theconversation.com/files/659486/original/file-20250403-56-enmjio.jpg?ixlib=rb-4.1.0&q=30&auto=format&w=754&h=533&fit=crop&dpr=2 1508w, https://images.theconversation.com/files/659486/original/file-20250403-56-enmjio.jpg?ixlib=rb-4.1.0&q=15&auto=format&w=754&h=533&fit=crop&dpr=3 2262w" alt="Map of Australia showing the cities surveyed and their most prevalent waste item." /></a><figcaption>The most common type of waste varied among cities. CSIRO</figcaption></figure> <h2>Targeting problem items</h2> Identifying the different types of litter in the environment can help policymakers and waste managers target specific items and improve waste recovery. Research has shown container deposit legislation, which enables people to take eligible beverage containers to a collection point for a refund, has reduced the number of beverage containers in the coastal environment by <a href="https://www.sciencedirect.com/science/article/pii/S0308597X17305377">40%</a>. Hobart did not have a container deposit scheme in place at the time of our survey. Plastic bag bans can reduce <a href="https://pubmed.ncbi.nlm.nih.gov/31109543/">bag litter</a>. Now polystyrene food service items are becoming increasingly targeted by <a href="https://digital.detritusjournal.com/articles/policy-instruments-to-reduce-consumption-of-expanded-polystyrene-food-service-ware-in-the-usa/284">policymakers</a>. <figure class="align-right zoomable"></figure> <h2>Making progress</h2> When we compared our results to the <a href="https://esajournals.onlinelibrary.wiley.com/doi/abs/10.1002/fee.1447">previous survey</a> from 2011-14 we found a 39% decrease in coastal debris. We also found 16% more areas where no debris was present. Our results <a href="https://theconversation.com/local-efforts-have-cut-plastic-waste-on-australias-beaches-by-almost-30-in-6-years-184243">support previous research</a> that found an ongoing trend towards less waste on Australian beaches. We think our research demonstrates the effectiveness of improved waste management policies, campaigns such as the “Five R’s – Refuse, Reduce, Reuse, Repurpose, then Recycle” – as well as clean-up efforts. It’s likely that increased awareness is making a big dent in the problem. But reducing the production of plastic, and invoking changes further up the supply chain, would likely further help reduce mismanaged waste in the environment. <h2>Implications for the future</h2> Measuring and monitoring litter can inform policymaking and waste management. <a href="https://www.sciencedirect.com/science/article/pii/S0025326X25003261">Our research</a> serves as a benchmark for evaluating and informing future efforts to reduce plastic waste. We are heartened by the findings. But continued effort is needed from people across government, industry and Australian communities. Everyone needs to address how we produce, use and dispose of plastic for a cleaner and healthier planet. <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/253221/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> By <a href="https://theconversation.com/profiles/stephanie-brodie-1492706">Stephanie Brodie</a>, Research Scientist in Marine Ecology, <a href="https://theconversation.com/institutions/csiro-1035">CSIRO</a> and <a href="https://theconversation.com/profiles/britta-denise-hardesty-2907">Britta Denise Hardesty</a>, Senior Principal Research Scientist, Environment, <a href="https://theconversation.com/institutions/csiro-1035">CSIRO</a> 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/good-news-beach-lovers-our-research-found-39-less-plastic-waste-around-australian-coastal-cities-than-a-decade-ago-253221">original article</a>. Image: Shutterstock </div>

Domestic Travel

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

There are many reasons why you may look to refinance your home. The obvious one is to lower mortgage repayments with a better rate. However, other reasons people refinance later in life include: <ul> <li>unlocking equity to invest</li> <li>paying down other debts</li> <li>buying a holiday home</li> <li>funding extended travel</li> <li>launching a new business</li> <li>supporting children with a property deposit</li> </ul> Regardless of why you want to refinance, the points below will help you navigate your options. Changing lenders It may have been a while since you last revisited your mortgage, meaning you may not be aware of current lending options and traps. A common trick lenders use is the so-called “headline rate” to grab your attention. However, this interest rate is typically not what you end up paying. It may only be an introductory rate for the first few months, or hefty fees attached may wipe out any savings. Banks aren’t the only ones offering loans nowadays. Registered non-bank lenders, fintechs and online lenders can refinance your mortgage and provide other credit services the same as any bank; they just don’t take cash deposits. Alternatively, you could explore credit unions and mutual societies. Also consider any shareholder benefits you may have. Most banks have done away with them now but may still honour pre-existing ones. If you change lenders, you could lose this entitlement – permanently. Reverse mortgages Generally, only available to people aged 60-plus, a reverse mortgage effectively allows you to unlock equity in your home without you needing to make immediate repayments. However, they often have strict conditions including: <ul> <li>minimum borrowing amounts</li> <li>maximum borrowing ratios</li> <li>higher interest rates than standard mortgages</li> </ul> Crucially, the interest accrues over time and is repaid when you sell, move or pass away. As such, your debt liability grows over time – potentially impacting your future living arrangements and how much is left for beneficiaries in your will. The Govt has the “loan equity scheme” as another option to lenders. I just want to highlight the need to be careful with reverse mortgages. Changing homes Rather than selling, downsizing could involve making an investment property your primary residence and then renting out your existing home. This approach may require you to refinance both loans simultaneously. There will also be tax considerations to work through – including Capital Gains Tax liabilities when you do sell, negative gearing, depreciation, and changes to your income tax. Then there are the lifestyle factors to weigh up, especially if you are moving to a different area: <ul> <li>living expenses</li> <li>insurance and travel costs</li> <li>access to healthcare</li> <li>rental income</li> <li>property management expenses</li> </ul> Remember that if you have a Self Managed Super Fund (SMSF), it CANNOT own any property that you directly use yourself, including your home. Becoming Bank of Mum and Dad Refinancing can unlock equity to support adult children with their first property deposit. However, it isn’t without its risks. Ask yourself honestly: <ul> <li>Will this be a gift or loan?</li> <li>If a loan, under what terms? Will interest be applied? How and when will repayments be made? What if they default?</li> <li>What happens if their relationship breaks down, will you get your money back?</li> <li>How does going without that money affect your retirement?</li> <li>Do you have alternative assets to support you if your circumstances change?</li> <li>How does this affect inheritances or deposit contributions to your other children?</li> <li>Can you assist them another way without using your home equity?</li> </ul> Draw up a written agreement outlining all conditions and scenarios to avoid disagreements in the future. Pension impacts Don’t overlook how refinancing your home could impact your pension. While your home is exempt from the means test, any income or assets you generate from unlocking equity is not. You could inadvertently see your pension amount reduced or your eligibility voided altogether. This would come as a nasty shock if you haven’t pre-budgeted for such a change! Getting advice To ensure you get the best bang for your buck when refinancing, be sure to enlist the help of a good: <ul> <li>mortgage broker to source the best loans for your circumstances</li> <li>insurance broker to ensure your cover is right sized for your needs, risk and budget</li> <li>accountant to work through any tax implications</li> <li>estate planner to manage any changes</li> <li>financial adviser to keep your investments and financial strategy working for you</li> </ul> Ultimately, decisions – including about refinancing – are only as good the information you have at hand. So, make sure you have all the relevant facts before signing on the dotted line. Helen Baker is a licensed Australian financial adviser and author of the new book, Money For Life: How to build financial security from firm foundations (Major Street Publishing $32.99). Helen is among the 1% of financial planners who hold a master’s degree in the field. Proceeds from book sales are donated to charities supporting disadvantaged women and children. Find out more at <a style="color: #467886;" title="http://www.onyourowntwofeet.com.au/" href="http://www.onyourowntwofeet.com.au/">www.onyourowntwofeet.com.au</a> Disclaimer: The information in this article is of a general nature only and does not constitute personal financial or product advice. Any opinions or views expressed are those of the authors and do not represent those of people, institutions or organisations the owner may be associated with in a professional or personal capacity unless explicitly stated. Helen Baker is an authorised representative of BPW Partners Pty Ltd AFSL 548754.

Money & Banking

Fresh medical report sheds new light on Shane Warne’s sudden death

New details have emerged regarding the sudden death of cricketing legend Shane Warne, who passed away in a Thai hotel room in March 2022 at the age of 52. A newly surfaced medical report, published by The Sun, reveals that multiple medications were found in Warne’s luxury villa on the Thai island of Koh Samui. These included two types of Viagra – Sildenafil (marketed as Viagra) and Kamagra (an unregulated version available in jelly sachets) – as well as Dapoxetine, a drug used to prevent premature ejaculation. While Viagra and Dapoxetine are legal with a prescription, Kamagra is illegal in Thailand but widely available over the counter. It remains uncertain whether Warne had taken any of these medications before his passing. Warne had a known history of heart issues, and these medications carry warnings for individuals with cardiovascular conditions. However, a post-mortem examination conducted in Thailand concluded that Warne died of natural causes due to congenital heart disease, ruling out foul play. Despite this, recent reports claim that Thai police removed Kamagra from Warne’s hotel room during their investigation. Meanwhile, News Corp reported that Warne had openly discussed using Viagra during his relationship with actress and model Elizabeth Hurley. Warne was staying at the Smujana Villas resort with three friends at the time of his death. CCTV footage captured two massage therapists leaving his villa shortly before he was found unresponsive at approximately 5pm His friends called for medical assistance at 5:40pm, with paramedics arriving at 6pm and initiating CPR at 6:10pm. Dr Dulyakit Wittayachanyapong, who oversaw Warne’s treatment at Thailand International Hospital, described his condition upon arrival, stating: “When he arrived at hospital, his face was green and pale, he had black blood in his nose and mouth, which was unusual. There was no sign of life.” Hospital staff attempted resuscitation for 43 minutes before Warne was declared dead at 6:53pm. According to the medical report, doctors intubated him and administered adrenaline and sodium bicarbonate in an attempt to revive him. Blood tests revealed that his oxygen levels had plummeted to a critical 40%. In the weeks leading up to his death, Warne had been on a liquid diet, and his lifestyle reportedly included habitual smoking and drinking. His sudden passing sent shockwaves through the cricketing world, with fans and former teammates mourning the loss of an icon whose impact on the sport remains unmatched. Images: Instagram

Caring

‘Behind every claim is a grieving family’. Death benefits inquiry update

<div class="theconversation-article-body"> When Lisa’s husband passed away unexpectedly, she assumed accessing his superannuation <a href="https://www.ato.gov.au/individuals-and-families/super-for-individuals-and-families/super/withdrawing-and-using-your-super/superannuation-death-benefits">death benefit</a> would be straightforward. Instead, she spent months navigating a bureaucratic maze. She repeatedly sent documents, waited weeks for callbacks and struggled to get answers from his fund. Her experience is far from unique. A damning <a href="https://asic.gov.au/regulatory-resources/find-a-document/reports/rep-806-taking-ownership-of-death-benefits-how-trustees-can-deliver-outcomes-australians-deserve/">new report</a> reveals systemic failure by Australia’s <a href="https://www.superannuation.asn.au/resources/super-stats/#:%7E:text=Total%20superannuation%20assets%20were%20%244.2,with%20more%20than%20six%20members.">A$4 trillion</a> superannuation industry in handling members’ death benefits. <h2>A system in disarray</h2> The Australian Security and Investments Commission’s landmark review of ten major super trustees, managing 38% of super assets, exposes an industry that is not serving its members. Grieving families routinely face excessive delays, insensitive treatment and unnecessary hurdles when trying to access death benefits. It found they sometimes waited over a year for payments to which they were legally entitled. The central problem was a fundamental breakdown in claims processing, with five critical failures exacerbating inefficiency and distress. 1. Poor oversight No trustee monitored end-to-end claims handling times, leaving boards unaware of how long families were waiting. While the fastest trustee resolved 48% of claims within 90 days, the slowest managed just 8%. In one case, a widow waited nearly a year despite her husband having a valid binding nomination. ASIC found 78% of delays stemmed from processing inefficiencies entirely within trustees’ control. 2. Misleading and inadequate information Many funds misled on processing times and masked extreme delays. Boards often received reports only on insured claims, despite most death benefits not involving insurance. This meant boards were unable to fix systemic problems. 3. Process over people Risk-averse procedures often overrode common sense. Many funds imposed claim-staking – delaying payments for objections – even for straightforward cases, adding a median 95 day delay. Communication failures further compounded delays, with claimants receiving inconsistent advice and few or no status updates. 4. Outsourcing without accountability Claims handled in-house were processed significantly faster than those managed by external administrators. Only 15% of outsourced claims were resolved within 90 days, compared to 36% of in-house claims. The securities commission is calling for stronger oversight. External administrators significantly slow down responses, so some funds may need to bring claims processing back in-house to ensure efficiency. 5. Lack of transparency Many funds failed to provide clear timelines or explanations for delays and had no accountability mechanisms. The ten funds investigated include the Australian Retirement Trust, Avanteos (Colonial First State), Brighter Super, Commonwealth Superannuation Corporation, HESTA, Hostplus, NM Super (AMP), Nulis (MLC), Rest and UniSuper. Two others, <a href="https://www.abc.net.au/news/2025-03-12/asic-sues-australian-super-death-processing-benefit-claims-delay/105040450">Australian Super and Cbus</a>, are being sued separately by ASIC for either failing to pay out or delaying payments to thousands of eligible beneficiaries. <figure class="align-center zoomable"><a href="https://images.theconversation.com/files/658866/original/file-20250401-56-jrqwbg.png?ixlib=rb-4.1.0&q=45&auto=format&w=1000&fit=clip"><img src="https://images.theconversation.com/files/658866/original/file-20250401-56-jrqwbg.png?ixlib=rb-4.1.0&q=45&auto=format&w=754&fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/658866/original/file-20250401-56-jrqwbg.png?ixlib=rb-4.1.0&q=45&auto=format&w=600&h=405&fit=crop&dpr=1 600w, https://images.theconversation.com/files/658866/original/file-20250401-56-jrqwbg.png?ixlib=rb-4.1.0&q=30&auto=format&w=600&h=405&fit=crop&dpr=2 1200w, https://images.theconversation.com/files/658866/original/file-20250401-56-jrqwbg.png?ixlib=rb-4.1.0&q=15&auto=format&w=600&h=405&fit=crop&dpr=3 1800w, https://images.theconversation.com/files/658866/original/file-20250401-56-jrqwbg.png?ixlib=rb-4.1.0&q=45&auto=format&w=754&h=509&fit=crop&dpr=1 754w, https://images.theconversation.com/files/658866/original/file-20250401-56-jrqwbg.png?ixlib=rb-4.1.0&q=30&auto=format&w=754&h=509&fit=crop&dpr=2 1508w, https://images.theconversation.com/files/658866/original/file-20250401-56-jrqwbg.png?ixlib=rb-4.1.0&q=15&auto=format&w=754&h=509&fit=crop&dpr=3 2262w" alt="A list of key findings from the ASIC Taking ownership of death benefits report" /></a><figcaption><a class="source" href="https://asic.gov.au/regulatory-resources/find-a-document/reports/rep-806-taking-ownership-of-death-benefits-how-trustees-can-deliver-outcomes-australians-deserve/">Taking ownership of death benefits: How trustees can deliver outcomes Australians deserve, ASIC, March 2025</a>, <a class="license" href="http://creativecommons.org/licenses/by-sa/4.0/">CC BY-SA</a></figcaption></figure> <h2>Will ASIC’s fixes work?</h2> ASIC has made 34 recommendations to improve death benefit processing. This will require real change, not box ticking. Changes should include setting performance objectives and empowering frontline staff to cut unnecessary steps. There should be consequences for failure. Unlike the <a href="https://www.gov.uk/browse/benefits/bereavement">United Kingdom</a>, which fines pension providers for missing statutory deadlines, ASIC’s recommendations lack penalties. Without consequences, some funds may continue prioritising administrative convenience over members receiving their entitlements. <h2>What needs to happen now?</h2> ASIC’s report is a wake-up call, but real reform requires strong action. Super funds must be held to clear, binding processing timelines, with meaningful penalties for non-compliance. Standardising requirements across the industry would eliminate unnecessary hurdles, ensuring all beneficiaries are treated fairly. Beyond regulation, funds must improve communication and accountability. Bereaved families deserve clear, plain language guidance on what to expect, not bureaucratic roadblocks or sudden document requests. Technological upgrades should focus on reducing delays, not just internal efficiencies. And to better support families, an independent claims advocate could help navigate the process, ensuring no one is left to struggle alone. <h2>Has ASIC gone far enough?</h2> While ASIC’s review is a step in the right direction, it does not fundamentally overhaul flawed claims-handling practices. The recommendations lack enforceability, relying on voluntary compliance. Also, the role of insurers within super remains largely unaddressed, despite death benefits being tied to life insurance policies. This often causes further complications and delays. Ensuring insurers adopt and apply ASIC’s recommendations will be critical for meaningful change. Most importantly, super funds must remember that behind every claim is a grieving family. No one should have to fight for what they are owed during one of the most stressful times in their life.<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/253419/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> By <a href="https://theconversation.com/profiles/natalie-peng-1369555">Natalie Peng</a>, Lecturer in Accounting, <a href="https://theconversation.com/institutions/the-university-of-queensland-805">The University of Queensland</a> 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/behind-every-claim-is-a-grieving-family-death-benefits-inquiry-demands-change-but-lacks-penalties-253419">original article</a>. Image: Shutterstock </div>

Legal

"Patrons yelled to stop": Comedy Festival rocked by death on opening night

Melbourne’s comedy scene was rocked by tragedy on the opening night of this year’s International Comedy Festival, as an attendee suffered a fatal medical episode mid-show, leading to the abrupt cancellation of the event. The distressing incident occurred during comedian Michael Hing’s performance at the Palais Theatre, where a man on the upper level of the venue suffered a medical emergency. Attendees quickly responded, providing CPR in the dark while Hing remained unaware of the unfolding crisis. “[It] would have been at least 15 mins worth before the show stopping, and [it] only stopped as patrons yelled to stop performing,” one audience member told The Daily Mail. Another witness expressed dismay over the handling of the situation, stating, “I can’t believe they [the organisers] didn’t communicate with backstage to halt the show, and that it took the public to yell out to the comedian to stop for something to happen.” The Melbourne International Comedy Festival addressed the incident in a statement posted on Instagram, confirming the show’s cancellation. “Melbourne International Comedy Festival regrets to confirm that there was a medical emergency while the Opening Night Allstars Supershow was taking place this evening at the Palais Theatre,” a festival spokesman said. “The show was stopped and cancelled. The Festival will be in touch with all ticket holders tomorrow.” Victoria Police later confirmed the man’s death. “Police will prepare a report for the Coroner following the death of a man in St Kilda on Wednesday, 26 March,” a spokesman said. “Emergency services were called to a theatre on Lower Esplanade about 9pm. A man, who is yet to be formally identified, died at the scene.” Health worker Andrea Bortoli, who was sitting in the upper level’s front row, described the distressing scene as people began leaving and it “became quite obvious that someone was getting CPR. It was just obviously really distressing, so we wanted to leave,” she told The Age. Eventually, the theatre lights were turned on, and patrons were informed that the show had been cancelled. The Allstars Gala is one of the most anticipated nights of the festival, bringing together some of the biggest names in comedy. This year’s event was hosted by Hing. As news of the tragedy spread, comedian Dave Hughes expressed his sympathies on social media, writing, “All performers thoughts are with the family affected”. Images: Palais Theatre / MichaelHing.com

Caring

The renting trap snaring retirees – and how to avoid it

It has long been known that renting in retirement is associated with a lower quality of life. Understanding the causal factors can help you avoid a similar fate. There are many reasons why renting in retirement can be problematic. For a start, figures on how much income we need to retire comfortably usually assumes that you own your home – the cost of rent isn’t included. So, anyone using this as a guide falls well short, potentially by 20-40 per cent. Additionally: <ul> <li>Rent usually eats up a larger portion of retirement income than home ownership.</li> <li>Over time, rents typically keep rising while mortgage debts reduce.</li> <li>Home ownership provides equity to use for other investments, further boosting retirement income.</li> <li>Downsizing homeowners can make an additional superannuation contribution from the sale proceeds, which renters cannot.</li> <li>Homeowners can make accessibility modifications to meet their needs as they age, like installing ramps or rails.</li> <li>Homeowners have greater stability and aren’t subject to eviction (and moving costs) at short notice.</li> </ul> How big a problem is it? Numerous studies have highlighted the growing scale of the problem faced by renting retirees. <a style="color: #467886;" href="https://grattan.edu.au/report/renting-in-retirement-why-rent-assistance-needs-to-rise/" target="_blank" rel="noopener">The Grattan Institute</a> recently found that “two in three retirees who rent in the private market live in poverty,” and that “most older working Australians who rent do not have sufficient savings to keep paying rent in retirement.” The rental trap is also not exclusive to low-income earners. <a style="color: #467886;" href="https://everybodyshome.com.au/resources/priced-out-priced-out-an-index-of-affordable-rentals-for-australian-voters/" target="_blank" rel="noopener">Everybody’s Home</a> recently found Australians earning $100,000 per year – above the <a style="color: #467886;" href="https://www.abs.gov.au/statistics/labour/earnings-and-working-conditions/employee-earnings/latest-release" target="_blank" rel="noopener">national median of $1,396 per week</a> ($72,592 per year) – are struggling to pay their rent. The end result is that homelessness is a growing problem for over 55s – particularly women. <a style="color: #467886;" href="https://www.mercyfoundation.com.au/our-focus/ending-homelessness/older-women-and-homelessness/" target="_blank" rel="noopener">The Mercy Foundation</a> notes that homelessness among these women grew 6.6 per cent in the 2021 Census, following a huge 31 per cent increase in the 2016 Census. What is causing it? Not owning your own home in retirement is obvious answer here. But there are various contributing factors that see people forced to rent later in life, including losing their home and being financially unable to replace it. These include: <ul> <li>Divorce/separation – court and legal fees, counselling costs, division of assets (including the family home).</li> <li>Pre-retirement chronic illness – time out of the workforce for both the patient and their partner to care for them, loss of income, less going into super, and higher healthcare costs.</li> <li>Death of a partner – up-front bills like funeral expenses, surviving partner suddenly on a single income.</li> <li>Elder abuse – an estimated <a style="color: #467886;" href="https://www.aihw.gov.au/family-domestic-and-sexual-violence/population-groups/older-people#abuse" target="_blank" rel="noopener">one in six older Australians experience elder abuse</a>, including 2.1 per cent facing financial abuse.</li> <li>Domestic violence – fleeing abusive relationships with little or no money and assets.</li> <li>Climate change – loss of uninsured home/other assets as storms, floods, cyclones, and fires increase in frequency and severity.</li> <li>Scams – <a style="color: #467886;" href="https://www.nasc.gov.au/news/australians-better-protected-as-reported-scam-losses-fell-by-almost-26-per-cent" target="_blank" rel="noopener">Australians lost $2 billion to scams</a> in 2024.</li> <li>Gambling – <a style="color: #467886;" href="https://aifs.gov.au/research/research-snapshots/gambling-participation-and-experience-harm-australia" target="_blank" rel="noopener">46 per cent of gamblers are at risk of harm</a>, including losing their home.</li> <li>Housing unaffordability – soaring prices (and stamp duty) push home ownership out of reach.</li> </ul> Women often face the brunt of these effects, disadvantaged by the gender pay gap, having less in superannuation, often having primary or sole custody of children, and having less secure employment. How can you protect yourself? Thankfully, there are steps we can all take to protect ourselves and our retirement: <ul> <li>Get your foundations right for a strong financial footing – emergency fund, spending and investment plan, insurances, superannuation, estate planning.</li> <li>Make decisions jointly – letting your partner control finances alone means more risk for you and less spending oversight.</li> <li>Have contingency plans – your own bank account, independent financial and retirement plans, insurances, and back-up plans just in case.</li> <li>Get into the market ASAP – even a cheap investment property far from where you live is a financial asset and a roof over your head if needed.</li> <li>Consider co-ownership – if you can’t afford to buy property alone, split the purchase and ongoing costs with an adult child, sibling, or close friend. Alternatively, sub-let a room to offset the costs.</li> <li>Don’t settle for less – avoid accepting an unreasonable separation settlement just to resolve things quickly.</li> <li>Be alert – know the warning signs of scams, elder abuse, gambling addiction and domestic violence to avoid losing everything.</li> <li>Get independent advice – professional legal, accounting, and financial advice can help you build financial independence, create safeguards, and recover faster if disaster does strike.</li> </ul> Overall, the best thing you can do is simply to act. By being proactive instead of burying your head in the sand, your future self stands a much better chance of enjoying a comfortable retirement! Helen Baker is a licensed Australian financial adviser and author of the new book, Money For Life: How to build financial security from firm foundations (Major Street Publishing $32.99). Helen is among the 1% of financial planners who hold a master’s degree in the field. Proceeds from book sales are donated to charities supporting disadvantaged women and children. Find out more at <a style="color: #467886;" title="http://www.onyourowntwofeet.com.au/" href="http://www.onyourowntwofeet.com.au/" target="_blank" rel="noopener">www.onyourowntwofeet.com.au</a> Disclaimer: The information in this article is of a general nature only and does not constitute personal financial or product advice. Any opinions or views expressed are those of the authors and do not represent those of people, institutions or organisations the owner may be associated with in a professional or personal capacity unless explicitly stated. Helen Baker is an authorised representative of BPW Partners Pty Ltd AFSL 548754. Image: Shutterstock

Money & Banking

How long will you live? New evidence says it’s much more about your choices than your genes

<div class="theconversation-article-body"> One of the most enduring questions humans have is how long we’re going to live. With this comes the question of how much of our lifespan is shaped by our environment and choices, and how much is predetermined by our genes. A study recently published in the prestigious journal <a href="https://www.nature.com/articles/s41591-024-03483-9">Nature Medicine</a> has attempted for the first time to quantify the relative contributions of our environment and lifestyle versus our genetics in how we age and how long we live. The findings were striking, suggesting our environment and lifestyle play a much greater role than our genes in determining our longevity. <h2>What the researchers did</h2> This study used data from the <a href="https://www.ukbiobank.ac.uk/">UK Biobank</a>, a large database in the United Kingdom that contains in-depth health and lifestyle data from roughly 500,000 people. The data available include genetic information, medical records, imaging and information about lifestyle. A separate part of the study used data from a subset of more than 45,000 participants whose blood samples underwent something called “<a href="https://www.nature.com/articles/s41576-022-00511-7">proteomic profiling</a>”. Proteomic profiling is a relatively new technique that looks at how proteins in the body change over time to identify a person’s age at a molecular level. By using this method researchers were able to estimate how quickly an individual’s body was actually ageing. This is called their biological age, as opposed to their chronological age (or years lived). The researchers assessed 164 environmental exposures as well as participants’ genetic markers for disease. Environmental exposures included lifestyle choices (for example, smoking, physical activity), social factors (for example, living conditions, household income, employment status) and early life factors, such as body weight in childhood. They then looked for associations between genetics and environment and 22 major age-related diseases (such as coronary artery disease and type 2 diabetes), mortality and biological ageing (as determined by the proteomic profiling). These analyses allowed the researchers to estimate the relative contributions of environmental factors and genetics to ageing and dying prematurely. <h2>What did they find?</h2> When it came to disease-related mortality, as we would expect, age and sex explained a significant amount (about half) of the variation in how long people lived. The key finding, however, was environmental factors collectively accounted for around 17% of the variation in lifespan, while genetic factors contributed less than 2%. This finding comes down very clearly on the nurture side in the “nature versus nurture” debate. It suggests environmental factors influence health and longevity to a far greater extent than genetics. Not unexpectedly, the study showed a different mix of environmental and genetic influences for different diseases. Environmental factors had the greatest impact on lung, heart and liver disease, while genetics played the biggest role in determining a person’s risk of breast, ovarian and prostate cancers, and dementia. The environmental factors that had the most influence on earlier death and biological ageing included smoking, socioeconomic status, physical activity levels and living conditions. Interestingly, being taller at age ten was found to be associated with a shorter lifespan. Although this may seem surprising, and the reasons are not entirely clear, this aligns with <a href="https://www.sciencedaily.com/releases/2014/05/140509110756.htm">previous research</a> finding taller people are more likely to die earlier. Carrying more weight at age ten and maternal smoking (if your mother smoked in late pregnancy or when you were a newborn) were also found to shorten lifespan. Probably the most surprising finding in this study was a lack of association between diet and markers of biological ageing, as determined by the proteomic profiling. This flies in the face of the extensive body of evidence showing the crucial role of <a href="https://www.nature.com/articles/s43016-023-00868-w">dietary patterns</a> in chronic disease risk and longevity. But there are a number of plausible explanations for this. The first could be a lack of statistical power in the part of the study looking at biological ageing. That is, the number of people studied may have been too small to allow the researchers to see the true impact of diet on ageing. Second, the dietary data in this study, which was self-reported and only measured at one time point, is likely to have been of relatively poor quality, limiting the researchers’ ability to see associations. And third, as the relationship between diet and longevity is likely to be complex, disentangling dietary effects from other lifestyle factors may be difficult. So despite this finding, it’s still safe to say the food we eat is one of the most important pillars of health and longevity. <h2>What other limitations do we need to consider?</h2> Key exposures (such as diet) in this study were only measured at a single point in time, and not tracked over time, introducing potential errors into the results. Also, as this was an observational study, we can’t assume associations found represent causal relationships. For example, just because living with a partner correlated with a longer lifespan, it doesn’t mean this caused a person to live longer. There may be other factors which explain this association. Finally, it’s possible this study may have underestimated the role of genetics in longevity. It’s important to recognise genetics and environment don’t operate in isolation. Rather, health outcomes are shaped by their interplay, and this study may not have fully captured the complexity of these interactions. <h2>The future is (largely) in your hands</h2> It’s worth noting there were a number of factors such as household income, home ownership and employment status associated with diseases of ageing in this study that are not necessarily within a person’s control. This highlights the crucial role of addressing the social determinants of health to ensure everyone has the best possible chance of living a long and healthy life. At the same time, the results offer an empowering message that longevity is largely shaped by the choices we make. This is great news, unless you have good genes and were hoping they would do the heavy lifting. Ultimately, the results of this study reinforce the notion that while we may inherit certain genetic risks, how we eat, move and engage with the world seems to be more important in determining how healthy we are and how long we live.<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/251054/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/hassan-vally-202904">Hassan Vally</a>, Associate Professor, Epidemiology, <a href="https://theconversation.com/institutions/deakin-university-757">Deakin University</a> 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-long-will-you-live-new-evidence-says-its-much-more-about-your-choices-than-your-genes-251054">original article</a>. Image: Shutterstock </div>

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