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Aussie family's refusal to sell family home could land them a $60m fortune

An Aussie family that repeatedly said no to selling their much-loved family home to developers could land them a $60million in Australia's booming property market, but the defiant family refuses to sell. A year ago, the Zammit family from Quakers Hill in Sydney's north west caught worldwide attention when they refused to sell their 20,000 sqm parcel of land to developers who had purchased all the other land around them. The family received offers of up to $50m to sell their home to complete the new development named The Ponds, but they refused to sell. That didn't deter developers who are still offering the owners a massive amount of cash to sell their homes, with offers reportedly around $60m now, meaning the family have earned another $10m or 20 per cent over the past year. According to PropTrack home prices in Quakers Hill have risen by 8.5 per cent over the past 12 months, meaning that the Zammits would have earned at least another $4.25 million. The median price of a home in Quakers hill is now at $1.172m, around a decade ago it was $700,000. Last year, one of the property owners, Diane Zammit, 50, told news.com.au that the neighbourhood used to be “farmland dotted with little red brick homes and cottages." “Every home was unique and there was so much space – but not any more. It’s just not the same,” she said. It is estimated that 50 houses could fit on the block of land if they chose to sell, but some of their neighbours reportedly don't want them to, as they like living in a cul-de-sac. Ray White Quakers Hill agent Taylor Bredin previously praised the family for staying put. “The fact that most people sold out years and years ago, these guys have held on. All credit to them," he told 7News. “Depending on how far you push the development plan, you’d be able to push anywhere from 40 to 50 properties on something like this, and when subdivided, a 300 square metre block would get a million dollars.” Images: Channel 7

Money & Banking

Offering end of life support as part of home care is important – but may face some challenges

<div class="theconversation-article-body"> <a href="https://theconversation.com/profiles/jennifer-tieman-378102">Jennifer Tieman</a>, <a href="https://theconversation.com/institutions/flinders-university-972">Flinders University</a> Earlier this month, the government announced <a href="https://theconversation.com/the-government-has-a-new-plan-for-residential-aged-care-heres-whats-changing-238765">major changes</a> to aged care in Australia, including a A$4.3 billion <a href="https://theconversation.com/what-the-governments-home-care-changes-mean-for-ageing-australians-238890">investment in home care</a>. Alongside a shake up of home care packages, the Support at Home program will include an important addition – an <a href="https://www.health.gov.au/sites/default/files/2024-09/support-at-home-fact-sheet.pdf">end of life pathway</a> for older Australians. This pathway will allow access to a <a href="https://www.health.gov.au/our-work/support-at-home/features">higher level</a> of in-home aged care services to help Australians stay at home as they come to the end of their life. Specifically, it will provide an extra A$25,000 for palliative support when a person has three months or less left to live. This is a positive change. But there may be some challenges to implementing it. <h2>Why is this important?</h2> Older people have made clear their preference to remain in their homes as they age. For <a href="https://journals.sagepub.com/doi/10.1177/0269216313487940">most people</a>, home is where they would like to be during their last months of life. The space is personal, familiar and comforting. However, data from the <a href="https://www.abs.gov.au/statistics/research/classifying-place-death-australian-mortality-statistics">Australian Bureau of Statistics</a> shows most people who die between the ages of 65 and 84 die in hospital, while most people aged 85 and older die in residential aged care. This apparent gap may reflect a lack of appropriate services. Both palliative care services and GPs have an important role in providing medical care to people living at home with a terminal illness. However, being able to <a href="https://grattan.edu.au/wp-content/uploads/2014/09/815-dying-well.pdf">die at home</a> relies on the availability of ongoing support including hands-on care and assistance with daily living. Family members and friends often provide this support, but this is not always possible. Even when it is, carers may <a href="https://pubmed.ncbi.nlm.nih.gov/38533612/">lack confidence and skills</a> to provide the necessary care, and may not have enough support for and respite from their carer role. The palliative care funding offered within Support at Home should help an older person to remain at home and die at home, if that is their preference. Unless someone dies suddenly, care needs are likely to increase at the end of a person’s life. Supports at home may involve help with showering and toileting, assessing and addressing symptoms, developing care plans, managing medications, wound dressing, domestic tasks, preparing meals, and communicating with the person’s family. Occupational therapists and physiotherapists can assist with equipment requirements and suggest home modifications. End of life supports may also involve clarifying goals of care, contacting services such as pharmacists for medications or equipment, liaising with organisations about financial matters, respite care or funeral planning, as well as acknowledging grief and offering spiritual care. But we don’t know yet exactly what services the $25,000 will go towards. <h2>What do we know about the scheme so far?</h2> The Support at Home program, including the end of life pathway, is scheduled to start from <a href="https://www.health.gov.au/sites/default/files/2024-09/support-at-home-fact-sheet.pdf">July 1 2025</a>. We know the funding is linked to a prognosis of three months or less to live, which will be determined <a href="https://www.abc.net.au/news/2024-09-15/new-payment-aims-to-make-it-easier-for-people-to-die-at-home/104347984">by a doctor</a>. Further information has indicated that an older person can be referred to a <a href="https://www.health.gov.au/our-work/support-at-home/features">high-priority assessment</a> to access the end of life pathway. We don’t know yet what this means, however they don’t need to be an existing Support at Home participant to be eligible. The pathway will allow 16 weeks to use the funds, possibly to provide some leeway around the three-month timeline. Although more details are coming to light, there are still some things which remain unclear. Home care providers will be looking for details on what can be covered by this funding and how they will work alongside primary care providers and health-care services. Older people and their families will want to know the processes to apply for this funding and how long applications will take to be reviewed. Everyone will want to know what happens if the person doesn’t die within three months. <h2>Some challenges</h2> Ready availability of appropriate supports and services will be crucial for older people accessing this pathway. Home care providers will therefore need to assess how an end of life pathway fits into their operational activities and how they can build the necessary skills and capacity. Demand for nurses with palliative care skills and allied health professionals is likely to increase. Providing end of life care can be <a href="https://pubmed.ncbi.nlm.nih.gov/33096682/">especially taxing</a> so strategies will be needed to prevent staff burnout and encourage self-care. How pathways are implemented in rural and remote areas and in different cultural and community groups will need to be monitored to ensure all older people benefit. Effective coordination and communication between home care, primary care and specialist palliative providers care will be key. Digital health systems that connect the sectors could be helpful. Family engagement will also be very important. Escalation pathways and referral pathways should be established to enable appropriate responses to emergencies, unexpected deterioration, and family distress. Finally, <a href="https://bmcpalliatcare.biomedcentral.com/articles/10.1186/s12904-023-01155-y">accurately determining</a> when someone will die can be difficult. Knowing when the last three months of life starts may not be easy, particularly where frailty, cognitive issues and multiple health concerns may be present. This might mean some people are not seen as being ready for this pathway. Others may not be willing to accept this prognosis. An older person may also be expected to live with a terminal illness for many months or years. Their palliative care needs would not be met under this pathway. Despite these challenges, the announcement of an end of life pathway within the home care program is timely and welcome. As a population we are living longer and dying older. More details will help us be better prepared to implement this scheme.<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/239296/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/jennifer-tieman-378102">Jennifer Tieman</a>, Matthew Flinders Professor and Director of the Research Centre for Palliative Care, Death and Dying, <a href="https://theconversation.com/institutions/flinders-university-972">Flinders University</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/offering-end-of-life-support-as-part-of-home-care-is-important-but-may-face-some-challenges-239296">original article</a>. </div>

Retirement Life

Tragedy as Aussie dad dies on dream cruise holiday with family

The community has rallied together for the family of an Aussie father-of-two who tragically passed away while on a cruise holiday. Edward Langley was on holiday with his family and they had a stopover at Vanuatu, where the tragedy occured. Mr Langley “unexpectedly fell on the footpath”, according to a <a href="https://www.gofundme.com/f/edward-langley?cdn-cache=0" target="_blank" rel="noopener">GoFundMe</a> page set up for his family, and they believe he may have died from a heart attack or stroke, although the official cause of death is still not known. The fundraiser, set up by a friend of Mr Langley’s wife, Heidi, has exceeded the campaign goal of $10,000, with $11,075 raised for the grieving family at the time of writing. “Our hearts goes out to Heidi … and the rest of the family,” the fundraiser read. “Our deepest and most sincere condolences to each of you. We can’t even begin to understand what you are all going through now.” "Hopefully we can all make a difference in helping [Heidi] and the family in this unsure and devastating time with the sudden loss of her husband, Edward," the fundraiser states. “There has been a few requests on how friends and family can support and help her, so this is just one way to donate and help in a way that we all know is hard and expensive. “I want to thank you all for the smallest amount and if you can share this page it would be highly appreciated. “I want to thank you on behalf of Heidi and hope that we can come together, to not only celebrate Edwards life but also support this family that needs all of us now more than ever.” Many have expressed their condolences in the comments and sent their prayers to his family. “I can’t imagine what you’re going through, but please know that my thoughts are with you constantly,” one person wrote. “This is absolutely devastating. so sorry to hear — we’ll be praying,” another commented. Images: GoFundMe

Caring

Transforming homes and lives: The rise of Compact Home Lifts

In an era where ageing in place has become increasingly important, homeowners are constantly looking for clever solutions to maintain their independence and comfort. Enter the game-changing alternative to traditional stairlifts: <a href="https://compactlifts.com.au/" target="_blank" rel="noopener">Compact Home Lifts</a>. These sleek and discreet elevators are revolutionising how people navigate their multi-storey homes, offering a perfect blend of functionality, style and peace of mind. For anyone considering home mobility solutions, Compact Home Lifts present a compelling case. Unlike bulky stairlifts that can radically alter the appearance of existing staircases, these lifts occupy less than a square metre of floor space, seamlessly integrating into almost any room of your house. But the real beauty lies in their versatility and minimal impact on your home's aesthetics. One of the most attractive features of these lifts is their self-supporting design. With no need for structural walls, installation is neat and non-invasive, preserving the integrity of your home. The fully contained motor and self-supporting rails ensure that the lift can be installed with minimal disruption to your daily life. Any concerns about energy consumption are quickly dispelled too when you learn that these lifts plug into a standard socket and use less power than boiling a kettle! This energy efficiency not only makes them environmentally friendly but also keeps operating costs low. <h2>Planning for the future</h2> While some homeowners may require a home lift immediately due to mobility issues, others are taking a proactive approach. By installing a Compact Home Lift, they’re future-proofing their homes, ensuring they can continue to enjoy their beloved space for years to come. This forward-thinking strategy eliminates the need for costly and emotionally taxing moves or extensive home renovations to accommodate single-floor living. <h2>Customer satisfaction and expert installation</h2> Compact Home Lifts has garnered an exceptional reputation, boasting impressive ratings from customers on Google. Their dedicated team of expert installers ensures that both homeowners and their properties are treated with the utmost care and professionalism. One satisfied customer, Kenneth S, shared his experience in August 2024, writing: “Cannot say enough good things about the team at Compact Home Lifts. They have been wonderful in every stage (including post installation). If you need a home lift, I recommend these guys.” <h2>Tailored solutions and expert advice</h2> Understanding that each home and homeowner's needs are unique, Compact Home Lifts offers personalised consultations. Their experts visit your property to help determine the optimal location for your lift and address any questions or concerns you may have. This tailored approach ensures that you receive a solution that perfectly fits your home and lifestyle. <img src="https://oversixtydev.blob.core.windows.net/media/2024/09/Article-Image-Body-3-Wheelchair-1280.jpg" alt="" width="1280" height="720" /> As Australia’s number one small home lift provider, Compact Home Lifts stands out with its rapid service, cost-effective solutions and small footprint designs. They offer a range of models, including wheelchair-accessible options, catering to diverse mobility needs. Perhaps one of the most reassuring aspects of choosing Compact Home Lifts is their commitment to quality and customer satisfaction. Each installation comes with a 7-year warranty, providing homeowners with long-term peace of mind (T&Cs apply). <h2>Embracing independence and comfort</h2> By choosing a Compact Home Lift, homeowners aren’t just investing in a mobility solution; they're investing in their future independence and quality of life. These lifts offer the freedom to move safely between floors, maintaining access to all areas of your home without the need for assistance. Compact Home Lifts represent a significant leap forward in home mobility solutions. They offer a perfect balance of functionality, aesthetics and peace of mind, allowing homeowners to continue enjoying the homes they love for years to come. As we look to the future of ageing in place, it's clear that these innovative lifts will play a crucial role in maintaining independence and enhancing the quality of life for countless individuals. For more information, watch the video below or visit the <a href="https://compactlifts.com.au/" target="_blank" rel="noopener">Compact Home Lifts</a> website. <iframe title="YouTube video player" src="https://www.youtube.com/embed/5TQEcW-lNe4?si=DonQNooUcOkadDdR" width="560" height="315" frameborder="0" allowfullscreen="allowfullscreen"></iframe> This is a sponsored article produced in partnership with Compact Home Lifts.

Home & Garden

Is it worth selling my house if I’m going into aged care?

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/colin-zhang-1234147">Colin Zhang</a>, <a href="https://theconversation.com/institutions/macquarie-university-1174">Macquarie University</a> For senior Australians who cannot live independently at home, residential aged care can provide accommodation, personal care and general health care. People usually think this is expensive. And many assume they need to sell their home to pay for a lump-sum deposit. But that’s not necessarily the case. Here’s what you need to consider. <h2>You may get some financial support</h2> Fees for residential aged care are complex and can be confusing. Some are for your daily care, some are means-tested, some are for your accommodation and some pay for extras, such as cable TV. But it’s easier to think of these fees as falling into two categories: <ul> <li> an “entry deposit”, which is usually more than <a href="https://www.health.gov.au/sites/default/files/documents/2020/06/eighth-report-on-the-funding-and-financing-of-the-aged-care-industry-july-2020-eighth-report-on-the-funding-and-financing-of-the-aged-care-industry-may-2020.pdf">$A300,000</a>, and is refunded when you leave aged care </li> <li> daily “<a href="https://www.myagedcare.gov.au/aged-care-home-costs-and-fees">ongoing fees</a>”, which are $52.71-$300 a day, or more. These cover the basic daily fee, which everyone pays, and the means-tested care fee. </li> </ul> To find out how much government support you’ll receive for both these categories, you will have a “<a href="https://www.myagedcare.gov.au/income-and-means-assessments/#aged-care-home">means test</a>” to assess your income and assets. This means test is similar (but different) to the means test for the aged pension. Generally speaking, the lower your aged-care means test amount, the more government support you’ll receive for aged care. With full support, you don’t need to pay an “entry deposit”. But you still need to pay the basic daily fee (currently, <a href="https://www.myagedcare.gov.au/aged-care-home-costs-and-fees">$52.71</a> a day), equivalent to 85% of your aged pension. If you get partial support, you pay less for your “entry deposit” and ongoing fees. <h2>You don’t need a lump sum</h2> You don’t have to pay for your “entry deposit” as a lump sum. You can choose to pay a rental-style daily cost instead. This is calculated as follows: you multiply the amount of the required “entry deposit” by the maximum permissible interest rate. This rate is set by government and is currently at <a href="https://www.health.gov.au/sites/default/files/documents/2021/03/schedule-of-fees-and-charges-for-residential-and-home-care-schedule-from-20-march-2021_0.pdf">4.01%</a> per year for new residents. Then you divide that sum by 365 to give a daily rate. This option is like borrowing money to pay for your “entry deposit” via an interest-only loan. You can also pay for your “entry deposit” with a combination of a lump sum and a daily rental cost. As it’s not compulsory to pay a lump sum for your “entry deposit”, you have different options for dealing with your family home. <h2>Option 1: keep your house and rent it out</h2> This allows you to use the rental-style daily cost to finance your “entry deposit”. Pros <ul> <li> you could have more income from rent. This can help pay for the rental-style daily cost and “ongoing fees” of aged care </li> <li> you might have a special sentimental attachment to your family house. So keeping it might be a less confronting option </li> <li> keeping an expensive family house will not heavily impact your residential aged care cost. That’s because any value of your family house above <a href="https://www.health.gov.au/sites/default/files/documents/2021/03/schedule-of-fees-and-charges-for-residential-and-home-care-schedule-from-20-march-2021_0.pdf">$173,075.20</a> will be excluded from your <a href="https://www.servicesaustralia.gov.au/organisations/health-professionals/services/aged-care-entry-requirements-providers/residential-care/residential-aged-care-means-assessment">means test</a> </li> <li> you can still access the capital gains of your house, as house prices rise. </li> </ul> Cons <ul> <li> your rental income needs to be included in the means test for your aged pension. So you might get less aged pension </li> <li> you might need to pay income tax on the rental income </li> <li> compared to the lump sum payment, choosing the rental-style daily cost means you will end up <a href="https://www.smh.com.au/money/super-and-retirement/seek-help-when-weighing-up-how-to-pay-for-your-aged-care-20191202-p53g16.html">paying more</a> </li> <li> you are subject to a changing rental market. </li> </ul> <h2>Option 2: keep your house and rent it out, with a twist</h2> If you have some savings, you can use a combination of a lump sum and daily rental cost to pay for your “entry deposit”. Pros <ul> <li> like option 1, you can keep your house and have a steady income </li> <li> the amount of lump sum deposit will not be counted as an asset in the pension means test. </li> </ul> Cons <ul> <li> like option 1, you could have less pension income, higher age-care costs and need to pay more income tax </li> <li> you have less liquid assets (assets you could quickly sell or access), which could be handy in an emergency. </li> </ul> <h2>Option 3: sell your house</h2> If you sell your house, you can use all or part of the proceeds to pay for your “entry deposit”. Pros <ul> <li> if you have any money left over after selling your house and paying for your “entry deposit”, you can invest the rest </li> <li> as your “entry deposit” is exempt from your aged pension means test, it means more pension income. </li> </ul> Cons <ul> <li>if you have money left over after selling your house, this will be included in the aged-care means test. So you can end up with less financial support for aged care.</li> </ul> <h2>In a nutshell</h2> Keeping your house and renting it out (option 1 or 2) can give you a better income stream, which you can use to cover other living costs. And if you’re not concerned about having access to liquid assets in an emergency, option 2 can be better for you than option 1. But selling your house (option 3) avoids you being exposed to a changing rental market, particularly if the economy is going into recession. It also gives you more capital, and you don’t need to pay a rental-style daily cost. <hr /> This article is general in nature, and should not be considered financial advice. For advice tailored to your individual situation and your personal finances, please see a qualified financial planner. Correction: this article previously stated the amount of lump sum deposit will not be counted as an asset in the aged-care means test, as a pro of option 2. In fact, the amount of lump sum deposit will not be counted as an asset in the pension means test.<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/161674/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/colin-zhang-1234147">Colin Zhang</a>, Lecturer, Department of Actuarial Studies and Business Analytics, <a href="https://theconversation.com/institutions/macquarie-university-1174">Macquarie University</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/is-it-worth-selling-my-house-if-im-going-into-aged-care-161674">original article</a>. </div>

Retirement Income

Jamie Durie returns to Aussie TV with new show featuring his family

Jamie Durie is set to return to Aussie TV screens with his new renovation show, Growing Home, and this time it will feature his young family. The international award-winning landscape designer and seven-time Logie-winning host of shows such as Backyard Blitz, The Block and many more, will showcase his skills through the process of building a sustainable and luxury dream home for, and with his family. “After 26 years making TV shows all over the world, this is the show I’ve always wanted to make. And if we’re creating a show around sustainability, then my family and I need to do it first and practise what we preach,” he said in an interview for Better Homes and Gardens. Durie has called this the biggest challenge of his career. It’s been “five long years of planning and researching the most eco-friendly partners, methods and technologies we can find, and we’re finally ready to build this house,” Durie said. Durie will film alongside his wife singer/songwriter Ameka Jane, who is equally committed to sharing real-life stories with the world, and creating a more authentic life. “I think there is a common misconception that ‘sustainable’ or ‘eco-friendly’ means that it’s complicated or that we have to compromise on style and function,” Jane said. “We want to show Australia how easy and accessible it is to create a green home on any scale. Small changes can make a big impact. I was a green novice at the start of this mission, so if I can do it, anyone can.” Their two kids, three-year-old daughter Beau and 18-month-old son Nash, will also make appearances on the show. Growing Home aims to show an honest depiction of the struggles and accomplishments of building in the Northern Beaches, while educating on sustainability and what a greener future for Australia could look like. While no exact date has been released for the show, it is set to air soon on Channel 7 and 7Plus. You can watch a teaser for the show <a href="https://www.growinghomewithjamiedurie.com.au/" target="_blank" rel="noopener">here</a>. Images: Instagram/ Growing Home with Jamie Durie

Things to remember when booking a group tour

When it comes to travelling abroad, many people opt to take part in a group tour to get the most out of their holiday. However, there are always a few logistics to iron out before you book your trip, because running into issues on a tour can make or break your vacation. Thankfully, travel expert Dilvin Yasa has shared her go to tips for getting the most out of your group tour. Budget accordingly When planning your group tour, budgeting is one of the most important factors, as these trips are rarely all-inclusive. Dilvin Yasa told <a href="https://travel.nine.com.au/latest/things-first-timers-get-wrong-on-group-tours/61fa10d2-ce80-40bb-ab92-9008b3d9296d">9Travel</a> it’s important to “read the itinerary carefully before you book and add up all the exclusions until you arrive at your 'real figure'.” Extra costs on a group tour could include lunches, dinners, attractions and additional activities, so make sure you factor these potential costs in. Know your geography Yasa advised against skipping between different destinations, as strict time constraints could prevent you from partaking in back to back tours. “If the itinerary doesn't list distances or time between destinations, hit up Google Maps to get an idea of how long you're expected to be in transit during each leg of the tour.” Don’t arrive at the last minute The travel expert said if you’re heading on a group tour, don’t leave it until the day the tour departs to arrive at your destination. “The last thing you want is to miss a connecting flight or hit any other sort of delay that could see you miss the first or two of the tour you've paid for,” Yasa said. “Aim to arrive the day before at the very latest and give yourself a little extra free time at the tail end as well - just in case.” Keep some cash on hand While most of your tour should already be paid for before you depart, you should always be prepared for extra expenses. Especially when travelling to more remote locations, or if you’re visiting smaller food vendors or markets, you shouldn’t assume everywhere will take card payments. Yasa said, “Make sure you have local currency on you at all times and you're good to go.” Image credits: Shutterstock

Travel Tips

New research proves travelling can slow down the ageing process

It turns out that going on holiday is good for you in more ways than one. According to new research conducted at Edith Cowan University in Western Australia, travelling can actually slow the ageing process both physically and mentally. The study, published in the <a title="Journal of Travel Research" href="https://journals.sagepub.com/doi/10.1177/00472875241269892#:~:text=The%20principle%20of%20entropy%20increase%20provides%20a%20dynamic%20perspective%20to,Silva%20%26%20Annamalai%2C%202008)." target="_blank" rel="noopener">Journal of Travel Research</a>, is believed to be the first-ever that applied the theory of entropy - the general trend of the universe towards death and disorder – to tourism. "Tourism isn't just about leisure and recreation. It could also contribute to people's physical and mental health," ECU PhD candidate Fangli Hu said. "Ageing, as a process, is irreversible. While it can't be stopped, it can be slowed down." According to the research, travelling, exploring new corners of the world and engaging in unique and relaxing activities can stimulate stress responses and elevate metabolic rates, positively influencing metabolic activities and the body's self-organising capabilities. "Leisurely travel activities might help alleviate chronic stress, dampen over-activation of the immune system, and encourage normal functioning of the self-defence system," Fangli added. While some people prefer relaxing holidays, others prefer to stay on their feet and keep active during their travels, enjoying the many well-known benefits of exercise. It can "enhance the body's immune function and self-defence capabilities, bolstering its hardiness to external risks". In response to their study, the experts suggested that "travel therapy could serve as a groundbreaking health intervention." Despite the positive results of the research, experts also warned that travelling can exposed to infectious diseases, accidents, injuries, violence, water and food safety issues, and concerns related to inappropriate tourism engagement, which in turn will have the opposite effect on our health. "Conversely, tourism can involve negative experiences that potentially lead to health problems, paralleling the process of promoting entropy increase," Fangli said. Image credits: Shutterstock

Travel Tips

Young homeowners are more likely to use their home as an ‘ATM’ than their Boomer parents. Here’s why

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/rachel-ong-viforj-113482">Rachel Ong ViforJ</a>, <a href="https://theconversation.com/institutions/curtin-university-873">Curtin University</a> and <a href="https://theconversation.com/profiles/christopher-phelps-378137">Christopher Phelps</a>, <a href="https://theconversation.com/institutions/curtin-university-873">Curtin University</a> For many Australians, the family home is their largest financial asset. With an increasing variety of ways to tap into home equity, the temptation to access this wealth is ever growing. Homeowners increase the debt owed on their home when they borrow against their <a href="https://doi.org/10.1080/02673037.2013.783202">equity</a>. Standard mortgage home loans now provide facilities for relatively cheap or free withdrawals of equity from the home. This turns the <a href="https://theconversation.com/your-home-as-an-atm-home-equity-a-risky-welfare-tool-22000">home into an ATM</a>, which borrowers can access when they choose. Our new <a href="https://doi.org/10.1080/02673037.2024.2400158">study</a> asks what motivates Australians to tap into their home equity, and how does this behaviour change with age? Surprisingly, despite having much lower housing equity levels, younger homeowners borrow often, and borrow more, than their Boomer parents. <h2>How common is equity borrowing?</h2> Using 15 years of data from the government-funded <a href="https://melbourneinstitute.unimelb.edu.au/hilda">Household, Income and Labour Dynamics in Australia </a>(HILDA) survey, we tracked the mortgage debt and repayments of homeowners aged 35 and over. The chart below shows younger owners are far more likely to engage in equity borrowing. In 2006, nearly 39% of the youngest homeowners, aged 35–44, borrowed against their home equity. By 2021, this number had dropped to 29%. Despite the decline, it’s still 24 percentage points more common than those aged 65 and over. The older group has remained steady at about 5% over the years. <hr /> <iframe id="Ll9Cw" class="tc-infographic-datawrapper" style="border: 0;" src="https://datawrapper.dwcdn.net/Ll9Cw/" width="100%" height="400px" frameborder="0" scrolling="no"></iframe> <hr /> <h2>How much do equity borrowers withdraw from their home?</h2> Among those who use their home like an ATM, younger borrowers now withdraw larger amounts than older borrowers. In 2006–07, equity borrowers aged 35–44 and 45–54 withdrew on average $43,000 and $57,000, respectively (expressed in real values set at 2022 price levels). By 2021, the amount withdrawn by these two age groups had climbed to $70,000 and $100,000. On the other hand, the amount withdrawn by borrowers aged 55 or older fell from more than $50,000 to less than $40,000. <hr /> <iframe id="ujq3S" class="tc-infographic-datawrapper" style="border: 0;" src="https://datawrapper.dwcdn.net/ujq3S/" width="100%" height="400px" frameborder="0" scrolling="no"></iframe> <hr /> <h2>What motivates equity borrowing?</h2> Young homeowners’ equity borrowing behaviours are sensitive to changes in house prices and debt values, and their financial risk preferences. Among those aged 35–44, a $10,000 increase in the primary home value raises the likelihood of equity borrowing by ten percentage points. Every $10,000 in debt against the primary home reduces the likelihood by 2.8% percentage points. Those willing to take substantial financial risk are eight percentage points more likely to borrow against their home than those who are risk-averse. Those aged 65+ are not inclined to borrow, and exhibit little change in equity borrowing behaviour with variations in asset, debt, income or financial risk preferences. <h2>Why borrowing practices differ between age groups</h2> As well as being more likely than older homeowners to borrow against equity, the younger group also withdraws higher amounts than their Boomer parents. This is despite younger borrowers already carrying much higher debt against their primary home. Among those in our study who engaged in equity borrowing in 2021, the median debt before borrowing was $401,000 for 35-44 year-olds compared to $0 for those aged 65+. As real house prices have risen over decades, the current generation of young homeowners has had to invest more money into purchasing their first home than previous generations. It’s therefore not surprising the primary home is now widely viewed as a financial resource to be <a href="https://theconversation.com/your-home-as-an-atm-home-equity-a-risky-welfare-tool-22000">tapped into to meet spending needs</a>. On the other hand, most Baby Boomers bought their first home at more affordable prices than their children, and at lower levels of debt. Now they don’t appear to be spending their kids’ inheritance by drawing down housing wealth. In fact, older parents may shy away from equity borrowing to <a href="https://www.pc.gov.au/research/completed/wealth-transfers/wealth-transfers.pdf">bequeath wealth to children</a>. Some also <a href="https://doi.org/10.1017/S0047279417000058">dislike passing debt</a> on to their children. Older people may also avoid equity borrowing due to concerns about <a href="https://treasury.gov.au/sites/default/files/2023-08/p2023-435150.pdf">aged care costs</a>. Some may be hampered by <a href="https://doi.org/10.1016/j.jue.2013.08.003">poor financial literacy</a>. <h2>More debt ahead without policy changes</h2> Present trends suggest young homeowners will remain indebted for longer periods, and more and more will <a href="https://theconversation.com/more-of-us-are-retiring-with-mortgage-debts-the-implications-are-huge-115134">retire with mortgage debt</a>. For indebted retirees, there are real prospects of <a href="https://theconversation.com/fall-in-ageing-australians-home-ownership-rates-looms-as-seismic-shock-for-housing-policy-120651">drawing down of superannuation</a> to pay off mortgages in retirement. This may impose extra burdens on the age pension system. Another unwelcome consequence, which may add to health costs, is the prospect of <a href="https://www.ahuri.edu.au/sites/default/files/migration/documents/AHURI-Final-Report-319-Mortgage-stress-and-precarious-home-ownership-implications-for-older-Australians.pdf">debt-related psychological distress</a> among those who can’t pay off their mortgage in old age. If the current trends continue, the <a href="https://www.afr.com/policy/economy/what-happens-when-australia-s-boomers-hand-5-trillion-to-their-heirs-20240515-p5jdvf">great wealth transfer</a> that has already begun looks set to <a href="https://theconversation.com/not-everyone-wins-from-the-bank-of-mum-and-dad-73842">further entrench inequality</a> between those who have access to the bank of mum and dad and those who do not. Encouraging older people to use their housing equity to fund their needs in old age may lighten fiscal burdens on younger generations. But policy reforms will be needed to relieve concerns about the risks of equity borrowing in old age.<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/238924/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/rachel-ong-viforj-113482">Rachel Ong ViforJ</a>, ARC Future Fellow & Professor of Economics, <a href="https://theconversation.com/institutions/curtin-university-873">Curtin University</a> and <a href="https://theconversation.com/profiles/christopher-phelps-378137">Christopher Phelps</a>, Research Fellow, School of Accounting, Economics and Finance, <a href="https://theconversation.com/institutions/curtin-university-873">Curtin University</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/young-homeowners-are-more-likely-to-use-their-home-as-an-atm-than-their-boomer-parents-heres-why-238924">original article</a>. </div>

Money & Banking

Crowds, water guns and protests: could ‘slow tourism’ be the answer to an overtourism backlash?

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/amy-errmann-1360032">Amy Errmann</a>, <a href="https://theconversation.com/institutions/auckland-university-of-technology-1137">Auckland University of Technology</a> With overtourism in the spotlight as the travel industry continues to rebound after the pandemic, popular destinations around the world are feeling the strain. Bali is overwhelmed by <a href="https://thebalisun.com/concerns-increasing-about-impact-of-trash-and-traffic-on-bali-tourists/">waste and traffic</a>, Australia’s sacred sites have suffered <a href="https://www.bbc.com/news/world-australia-50151344">environmental damage</a>, New York is facing rising rents <a href="https://www.theguardian.com/us-news/2023/oct/23/new-york-airbnb-crackdown-rules-housing">due to short-term rentals</a>, and Singapore’s scenic spots are becoming <a href="https://www.channelnewsasia.com/singapore/overtourism-locals-tourists-sustainable-tourism-stb-focus-4517681">clogged with crowds</a>. Frustrated locals are pushing back – from <a href="https://www.nzherald.co.nz/travel/barcelona-locals-spray-tourists-with-water-guns-during-protest-over-housing-costs/FUFHXKO5X5F5NNPSU6ELNVGSIA/">spraying water at tourists </a> in Barcelona to <a href="https://adventure.com/venice-locals-squatting-against-overtourism-photography/">organising protests in Venice</a>. As the northern hemisphere high season ends, Aotearoa New Zealand is preparing for an influx of visitors ahead of its summer tourism season. And much like those other <a href="https://www.nytimes.com/2024/09/08/world/europe/greece-cruise-ships-tourists-islands.html">tourist hotspots</a>, the government is looking at how to manage the negative effects of tourism on local communities and the environment. This includes tripling the <a href="https://www.theguardian.com/world/article/2024/sep/04/new-zealand-to-nearly-triple-tourist-tax-for-international-visitors">international tourist tax</a> from NZ$35 to $100. The aim of the increase is to <a href="https://www.theguardian.com/world/2022/aug/11/new-zealand-tourism-minister-makes-pitch-to-the-rich-as-he-spurns-10-a-day-travellers">attract tourists</a> who are more mindful of their impact and willing to contribute to its mitigation, while also <a href="https://theconversation.com/welcome-to-nz-now-pay-up-the-risks-and-rewards-of-raising-the-foreign-tourist-tax-232138">reducing visitor numbers</a> to protect the country’s unique landscapes and cultures. But are there other ways the tourism industry can evolve to ensure benefits for both travellers and the communities they are visiting? So called “slow travel” could be the answer. <h2>Hunting the perfect photo</h2> Overtourism isn’t just about too many people in one place. It’s also about how people travel. <a href="https://edition.cnn.com/travel/social-media-tourism-effect-scn-wellness/index.html">Instagram-famous</a> landmarks draw massive crowds, <a href="https://www.rnz.co.nz/news/national/406195/visitors-ignore-ban-continue-to-visit-mermaid-pools-in-northland-hapu">disrupting local life</a> and sometimes even <a href="https://www.nzherald.co.nz/travel/vermot-town-famous-for-fall-foliage-bans-instagram-tourists-from-streets/BHKEYKKUTNHORFT6QCZ5TW333A/#google_vignette">leading to closures</a>. Travellers often pack their itineraries with as many sights as possible, racing from one place to another in a frenzy to capture the perfect photo. This hurried approach not only creates <a href="https://www.cntraveler.com/galleries/2015-06-19/barcelona-bhutan-places-that-limit-tourist-numbers">congestion</a> but also limits <a href="https://www.nature.com/articles/s41599-024-02859-z">meaningful engagement with the destination</a>. And it’s not just a numbers game. The way tourists behave also plays a critical role. A <a href="https://www.rnz.co.nz/national/programmes/ninetonoon/audio/2018690535/tropical-trash-the-impact-of-holidaying-in-the-pacific">2019 report</a> from the United Nations raised concerns about trash from tourists in developing small island states, including the Pacific Islands. According to the report, a tourist visiting these communities produced about 7kg of waste a day, compared to about 2.5kg produced by a local. The issue is not necessarily about travelling less, but about <a href="https://www.sciencedirect.com/science/article/pii/S2211973623000284">travelling more responsibly</a>. The tourism industry needs to be encouraging travel habits that allow both visitors and locals to enjoy tourism without compromising the integrity of the destination. <h2>The rise of slow travel</h2> Mindfulness – being fully present in the moment – has gained popularity since the 1970s. The concept has influenced a number of sectors, including <a href="https://slowfoodauckland.co.nz/">slow food</a>, <a href="https://ourwayoflife.co.nz/slow-fashion-101-what-to-buy-and-what-to-avoid-to-reduce-your-clothing-footprint/">slow fashion</a>, and now <a href="https://www.lakewanaka.co.nz/wanaka-stories/how-to-be-a-slow-mindful-traveler-in-wanaka/">slow travel</a>. It’s about <a href="https://link.springer.com/chapter/10.1007/978-3-031-63569-4_44#:%7E:text=Slow%20travel%2C%20mindful%20travel%2C%20or,spiritual%20well%2Dbeing%20of%20people">experiencing destinations</a> at a relaxed pace, focusing on deeper connections with local cultures and sustainability. This often means <a href="https://guestnewzealand.com/about-us/eco-travels-new-zealand/">staying longer in fewer places</a> and choosing eco-friendly transport. Understanding slow travel and mindfulness is important because they create <a href="https://www.forbes.com/sites/rogersands/2024/06/08/the-beauty-of-slow-travel/">richer, more memorable experiences</a>. Fast, <a href="https://www.sciencedirect.com/science/article/pii/S0261517724000487">hectic travel</a> often leaves little positive impact. Slow immersive travel, on the other hand, fosters lasting memories and reduces overtourism, pollution and cultural damage. <a href="https://www.tandfonline.com/doi/full/10.1080/00913367.2024.2325144">Research</a> shows when we consciously immerse ourselves in our surroundings we can have more meaningful experiences. Surprisingly, <a href="https://www.sciencedirect.com/science/article/pii/S0261517724000487">even luxury travel</a> – often dismissed as wasteful – can encourage respect and mindfulness for those who invest financially and mentally in their journey, unlike cheaper, mainstream tourism. Activities such as “<a href="https://www.sciencedirect.com/science/article/pii/S2666957921000197">forest bathing</a>”, <a href="https://www.visitutah.com/articles/mindful-hiking">hiking</a> or engaging with <a href="https://www.outofyourcomfortzone.net/a-guide-to-slow-travel-immersing-yourself-in-local-cultures/">local cultures</a> <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC6723984/">boost wellbeing and meaning</a>, going beyond just “taking a photo for likes”. This mindful approach can <a href="https://www.sciencedirect.com/science/article/pii/S0160738321001419">change our behaviour on a personal level</a>. By focusing attention on fewer experiences, <a href="https://www.tandfonline.com/doi/full/10.1080/00913367.2024.2325144">travellers can heighten</a> their sense of awe and appreciation, making the travel more memorable. This idea is evident in “<a href="https://journals.sagepub.com/doi/abs/10.1177/002216786200200102?casa_token=PrIQTkCMjx0AAAAA:wtswfg0cuEuQec0zVg-Mbf9MuXYoqhQkWbaQCGdjxWkYUpVOwBu8Op5jC6V4nOghnow3xpwN3fDn">peak experiences</a>”. Disney, for example, creates <a href="https://ideaexchange.uakron.edu/docam/vol9/iss2/6/">emotionally-charged moments</a> that stick in visitors’ minds. Other experiences, such as “<a href="https://journals.sagepub.com/doi/full/10.1177/14614448211072808">digital detoxes</a>” or <a href="https://academic.oup.com/jcr/article-abstract/45/6/1142/4999270">pilgrimages</a> can leave a contemplative impression. By concentrating on a single aspect of a visit, it <a href="https://www.sciencedirect.com/science/article/pii/S0160738320300797?casa_token=Np4PXLk5RqsAAAAA:Q3440A-lsf-XTAWuboPPbIcnvBAhk8nnIoWyF-gynHkSPmyPaykzfpBhTLbFDBHZEX0bbtZJgQ">becomes special and memorable</a>. Even in busy places like Disneyland, focusing on one unique element can make the experience feel slower and more meaningful. <h2>The sustainability of tourism</h2> In the <a href="https://www.sciencedirect.com/science/article/pii/S0261517724000487">Faroe Islands</a>, slow travel helps protect local traditions and landscapes by encouraging thoughtful visitor behaviour, such as using local guides to minimise environmental impact. New Zealand can leverage its natural beauty to offer similar immersive experiences. <a href="https://www.nzherald.co.nz/travel/travel-well-what-is-mindful-hiking-walking-for-wellbeing-boost/67MYS6ZSNXC7ZH6OTZ2DLBGFL4/">Tramping</a> (hiking), for example, can promote a mindful connection with the environment. But even here, there needs to be a focus on balancing tourism with preservation. Popular spots, such as the Department of Conservation huts and the Te Araroa Trail, are <a href="https://www.wildernessmag.co.nz/te-araroa-trail-shows-pressure/">already becoming crowded</a>. It is essential to educate visitors on <a href="https://www.mpi.govt.nz/outdoor-activities/tramping-tips-to-prevent-spreading-pests-and-diseases/biosecurity-considerations-walking-and-tramping/">responsible practices</a> – such as cleaning equipment – to ensure they understand their <a href="https://www.doc.govt.nz/heritage-and-visitor-strategy#:%7E:text=The%20natural%2C%20cultural%20and%20historic,wellbeing%2C%20enabling%20communities%20to%20thrive.">role in protecting nature</a>. Travel that fosters a deeper appreciation for local cultures and environments benefits both visitors and the destinations they explore. The challenge is finding the right balance – encouraging meaningful travel experiences while still ensuring accessibility for all.<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/238316/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/amy-errmann-1360032">Amy Errmann</a>, Senior Lecturer, Marketing & International Business, <a href="https://theconversation.com/institutions/auckland-university-of-technology-1137">Auckland University of Technology</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/crowds-water-guns-and-protests-could-slow-tourism-be-the-answer-to-an-overtourism-backlash-238316">original article</a>. </div>

Travel Trouble

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

<div class="theconversation-article-body"> <a href="https://theconversation.com/profiles/tracy-comans-696663">Tracy Comans</a>, <a href="https://theconversation.com/institutions/the-university-of-queensland-805">The University of Queensland</a> and <a href="https://theconversation.com/profiles/frances-batchelor-2209350">Frances Batchelor</a>, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a> The Albanese government has this week announced it will introduce one of the <a href="https://www.health.gov.au/ministers/the-hon-anika-wells-mp/media/once-in-a-generation-aged-care-reforms">largest reforms</a> to Australia’s aged-care sector to date. The package includes a A$4.3 billion investment in home care, now called “<a href="https://www.health.gov.au/our-work/support-at-home">Support at Home</a>”, to come into effect from July 2025. This reflects both the desire of many people to remain living at home as they age, and the government’s desire to reduce the costs of residential aged care. So what changes is the government making to home care packages? And what will these changes mean for ageing Australians? <h2>Reducing waiting times</h2> One of the major complaints about the current home care system is the long waiting times. Estimates suggest there’s a <a href="https://www.gen-agedcaredata.gov.au/getmedia/447b425c-63d6-4b96-a1fc-4dac805066ba/Home-Care-Packages-Program-data-report-1-January-%E2%80%93-31-March-2024">6–to-12-month wait</a> for the higher level 3 and 4 home care packages. For people with the highest needs, this is far too long. As of March this year, around <a href="https://www.gen-agedcaredata.gov.au/getmedia/447b425c-63d6-4b96-a1fc-4dac805066ba/Home-Care-Packages-Program-data-report-1-January-%E2%80%93-31-March-2024">45,000 people</a> were waiting for any level of home care. An additional 14,000 were already receiving a package, but on a lower level of home care than they were entitled to. With additional funding, the new system will <a href="https://www.health.gov.au/ministers/the-hon-anika-wells-mp/media/once-in-a-generation-aged-care-reforms">support more participants</a>. It aims to shorten wait times to <a href="https://www.health.gov.au/sites/default/files/2024-09/support-at-home-fact-sheet.pdf">an average of three months</a> from July 2027. <h2>Changes to services</h2> The new system will replace the current four levels of home care packages with <a href="https://www.health.gov.au/ministers/the-hon-anika-wells-mp/media/once-in-a-generation-aged-care-reforms">eight classifications</a> of funding for services. When participants are assessed, they will be assigned the most suitable category. There’s currently very limited information on what these classifications are, but the idea is they will provide more targeted services. A number of short-term supports will also be available. These include assistive technology (such as mobility aids) and home modifications. Some people will be able to access 12 weeks of restorative care – a more intensive program designed to build function after injury or illness – as well as palliative care support. The way different types of services are subsidised is also changing. Previously, the same means-tested co-contribution applied regardless of the type of service. Under the new system, services are categorised into clinical care (for example, physiotherapy or wound care), independence (such as help with bathing or cooking) and everyday living (for example, gardening or home maintenance). The new reforms fully subsidise clinical services regardless of income, whereas independence and everyday living services will attract co-contributions based on means testing. For example, <a href="https://www.health.gov.au/sites/default/files/2024-09/case-studies-support-at-home.pdf">a self-funded retiree</a> would pay nothing out of pocket for physiotherapy, but would pay 50% for help with showering and 80% towards gardening costs. A full pensioner would also pay nothing for physiotherapy, but pay 5% for help with showering and 17.5% of the cost of gardening. This is a positive change. Our research has previously highlighted a tendency for people with home care packages to choose everyday living services <a href="https://onlinelibrary.wiley.com/doi/full/10.1155/2023/4157055">such as gardening</a> and cleaning and refuse clinical care such as allied health and nursing as these types of services were more expensive. These changes should make older people more likely to choose allied health and clinical care services, which will help them maintain their function and stay fitter for longer. <h2>Some challenges</h2> For the government’s reforms to deliver faster and better support at home, a number of issues need to be addressed. As people stay at home for longer, we also see that these <a href="https://academic.oup.com/ageing/article/52/5/afad058/7147101">people are frailer</a> and have more health conditions than in the past. This requires a different and more highly skilled home care workforce. The current <a href="https://www.health.gov.au/sites/default/files/documents/2021/10/2020-aged-care-workforce-census.pdf">home care workforce</a> consists largely of personal care and domestic support workers alongside a much smaller skilled workforce of registered nurses and allied health professionals. But with the changing profile of people receiving care at home, there will need to be a greater focus on maintaining functional capacity. This might mean more allied health input will be required, such as from physiotherapists and occupational therapists. It’s difficult to source an appropriately skilled workforce across the sector, and almost impossible in <a href="https://www.ruralhealth.org.au/sites/default/files/publications/fact-sheet-allied-health.pdf">rural and remote areas</a>. Alternative models, such as training personal care workers to act as allied health assistants, and effectively using technology such as telehealth, will be necessary to meet demand without compromising on quality of care. One example of the need for upskilling in specific areas relates to caring for people with dementia. The majority of people who are living with dementia at home receive care from family carers, supported by home care workers. It’s vital that these care workers have adequate knowledge and skills specific to dementia. However, research has shown the home care workforce may <a href="https://pubmed.ncbi.nlm.nih.gov/31646701/">lack the knowledge and skills</a> to provide best-practice care for people living with dementia. Specialised <a href="https://onlinelibrary.wiley.com/doi/10.1002/gps.6140">dementia training</a> for home care workers is effective in improving knowledge, attitudes and sense of competence in providing care. It should be rolled out across the sector. <h2>What about unpaid care at home?</h2> Unpaid carers, such as family members, provide <a href="https://www.pmc.gov.au/resources/draft-national-strategy-care-and-support-economy/goal-1-quality-care-and-support/support-for-informal-carers">significant amounts of care</a> for older people. The value of this unpaid care is estimated to be in the billions. As older people stay at home for longer, this is set to increase even further. However, carers with high care burdens are particularly vulnerable to <a href="https://www.sciencedirect.com/science/article/pii/S2352827316300283#s0025">poor physical and mental health</a>. Without adequate support, we may find extra caring pressures lead to a breakdown in caring relationships and an increase in other health-care costs for both the carer and care recipient. So we need to ensure carers have adequate financial, psychological and practical support. But the currently available detail on the reforms doesn’t indicate this has been adequately addressed. With careful implementation and ongoing evaluation, these reforms have the potential to significantly enhance the home care system. However, their success will depend on addressing workforce challenges, ensuring adequate support for unpaid carers, and maintaining a focus on the holistic needs of older Australians. More information about Support at Home is <a href="https://www.health.gov.au/our-work/support-at-home/about">available online</a>.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/238890/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/tracy-comans-696663">Tracy Comans</a>, Executive Director, National Ageing Research Institute; Professor, Centre for Health Services Research, <a href="https://theconversation.com/institutions/the-university-of-queensland-805">The University of Queensland</a> and <a href="https://theconversation.com/profiles/frances-batchelor-2209350">Frances Batchelor</a>, Director Clinical Gerontology & Senior Principal Research Fellow, National Ageing Research Institute, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/what-the-governments-home-care-changes-mean-for-ageing-australians-238890">original article</a>. </div>

Legal

Readers response: Do you find technology has made travel easier or more complicated?

When it comes to travelling, advancements in technology over the years have made the world much more accessible. However, sometimes tech can backfire and leave you lost or stranded. We asked our readers if they find technology has made travel easier or more complicated, and the response was overwhelming. Here's what they said. Dawn Douglas - Easier by far. You can find hotels, cafes, restaurants, tours and so on. Christine James - Easier, but we would still rather book through a travel agent. It can be good for research to where you are going though. Brian Adams - Travel without a smartphone is nearly impossible! There’s no other option to get around sometimes! June Maynard - More complicated. I'm glad I'm married to an IT tech guy! I leave it all up to him. Pat Isaacs - Everything seems more complicated with technology for me!! Karen Salvietti - Much easier to get around with technology overseas. Val Goodwin - Far more complicated for me, I'm technically challenged lol. Rosemary Miles - I’m 81 and technology has made everything easier for me. I travel overseas twice a year and hope to be able to keep doing it for a few years longer. I’m spending the grandkids’ inheritance! Image credits: Shutterstock

Travel Trouble

The travel hack giving travellers two holidays in one

When it comes to a long-haul flight, a stopover can be exactly what you need to stretch your legs and recharge before the next leg of your journey. But some eager travellers are getting even more out of their stopovers, by booking a few nights in their stopover destination and effectively getting two holidays in one. The “two-for-one holiday” trend is especially popular for those travelling from Australia and New Zealand, as it takes many, many hours to travel from Oceania to Europe, the US, or basically anywhere else in the world. Rather than looking at layovers as a hassle that just prolongs your journey, data shows that travellers are opting to use them as a way to explore new destinations and extend their holidays. According to data from travel search engine <a href="https://www.skyscanner.com.au/">Skyscanner</a>, there has been a notable uptick in bookings for long-haul flights to destinations such as Istanbul, London, Shanghai, and India. When travelling to Europe or the US, many travellers stopover in Asian cities such as Hong Kong, Bangkok in Thailand, Ho Chi Minh City in Vietnam, or Singapore. Alternatively, many stopovers occur in the UAE and Middle East area, with some flights stopping in Abu Dhabi, Dubai, or even Qatar. It’s easy to book your stopover holiday when booking your flights. Just select your original flight to your final destination, but change your second flight to leave the stopover destination a few days later. Skyscanner's travel expert Cyndi Hui told <a href="https://travel.nine.com.au/latest/holiday-hacks-two-in-one-stopover-destination/9e77c117-3a14-49a0-903f-b9847bc92fe0">9Travel</a> of the travel hack: "With Australia being so far from many global hubs, taking the time to enjoy a stopover instead of rushing through airports allows Australians to truly make the most of their travel experiences". "It's a savvy way to make the most of their travel time, turning what used to be just a stopover into a memorable part of the adventure." Image credits: Shutterstock

Travel Tips

"World's biggest" amber nugget worth over $1 million used as doorstop for decades

An elderly woman in Romania has unknowingly used one of the largest known amber nuggets in the world - worth over €1 million ($1.6 million) - as her doorstop for decades. The woman found the stone in the bed of a stream in Colti, a village in the southeast Romania, and used it as her doorstop for years without realising its value. Members of her family also reported that thieves had once broken into her home, but only stole a few pieces of gold jewelry, missing the seemingly insignificant rock. “In their frantic search for valuables, they overlooked the real treasure that was there before their eyes,” they said. It wasn't until after the woman died in 1991 that a relative who inherited her home suspected the doorstop might be more than meets the eye - and he was right. When he sold the amber to the Romanian state, experts at the Museum of History in Krakow, Poland appraised the rock and found that the amber is likely between around 38 and 70 million years old. “Its discovery represents a great significance both at a scientific level and at a museum level,” Daniel Costache, director of the Provincial Museum of Buzau, told local news outlet El Pais. The expert also claimed that the amber is one of the largest pieces in the world and the largest of its kind weighing a hefty 3.5-kilograms. It has now been classified as a national treasure of Romania, and can be found in the Provincial Museum of Buzau, where it has been since 2022. Romania is one of the countries with significant deposits of amber, with Buzau County being one of the areas where you can find these beautiful stones in abundance. The protected area also contains the old Stramba amber mine, which was very productive during the first half of the 21st century, before it was shut down by the communist regime as it was considered unprofitable. Image: Buzău County Museum

Home & Garden

Mother arrested after two boys found dead in Blue Mountains home

A mother has been arrested after the tragic discovery of her two sons, aged nine and 11, dead at their home in the Blue Mountains, New South Wales. The boys, Russell and Ben, were found by their father at the family's home in Faulconbridge shortly before 12:40pm. Their mother, Trish Smith, 42, was also found at the scene with several self-inflicted injuries. She has been taken to Westmead Hospital and is in a stable condition. No charges have been laid so far. Superintendent John Nelson of the Blue Mountains police confirmed that Mr Smith, the father, discovered the bodies and contacted authorities. "The father is helping us with inquiries, and he was the one who contacted police... all avenues are open for investigation," Nelson stated. While the police have not confirmed whether a weapon was involved, they are working to understand the sequence of events leading to the boys' deaths. The family, who had no prior history of domestic violence and minimal contact with the police, has left the community in shock. Superintendent Nelson said that the investigation is still in its early stages, and no speculation will be made at this time. The boys had attended school on Monday with no apparent issues, and authorities are now trying to trace their movements on Tuesday to piece together what might have happened. The nearby Springwood High School was involved in the emergency response as its oval was used as a helipad for medical evacuations. Homicide detectives from the State Crime Command have been assigned to the case, and police are continuing to speak with neighbours to uncover any possible motives. Blue Mountains Mayor Mark Greenhill expressed the community’s grief in a statement: "Our community has lost two precious souls in the most awful circumstances. Now is a time to come together and remember these two beautiful children." NSW Police Commissioner Karen Webb acknowledged the profound emotional toll the incident has had on law enforcement officers. "I think the older and more experience you get in this job, things like this still cut to the core. It’s a tragic situation," she said. Authorities have confirmed that no one else is being sought in connection with the deaths, and there is no ongoing threat to the community. The investigation continues as police work to understand the full circumstances surrounding this heartbreaking incident. Need to talk to someone? Don't go it alone. Call Lifeline on 13 11 14 or visit lifeline.org.au Beyond Blue: 1300 224 636 SANE: 1800 187 263; saneforums.org Image: Supplied

Legal

The best destinations for multi-generational holidays

As summer crawls forward, more and more people are planning their holidays, while a new trend shows that families are opting for multi-generational getaways. According to new research by<a href="https://www.clubmed.com.au/"> Club Med</a>, almost half (43%) of Aussies plan on taking a holiday in the next 12 months with their kids, parents and grandparents in tow. There are some destinations more suited to multi-generational travel than others, with these four international cities topping the list of best places to travel with families. Bali One of Australia’s favourite overseas holiday destinations, Bali offers a tropical paradise of warm weather and sunny days. The Indonesian paradise boasts the perfect backdrop for families looking for a blend of rich culture, water activities and relaxation, from forest exploring trips and beach days, to spa retreats and delicious food. With its array of family-friendly resorts and diverse attractions, Bali provides a seamless blend of relaxation and adventure. Phuket The Thai coastal city of Phuket is a top destination for families looking for a holiday that blends culture with leisure. Phuket is one of Thailand's best playground for families featuring gentle waves ideal for children and an array of cultural experiences that the whole family can enjoy. From exploring temples and taking part in cooking classes to snorkelling and having relaxing beach days, Phuket has something for everyone. Japan If you’re looking for a winter holiday for all the family to enjoy, you can’t go past the snowy mountains of northern Japan. Hokkaido's diverse range of ski resorts offer family-friendly amenities and excursions, such as relaxing in hot springs, ice fishing and snow sled expeditions. Mauritius A hidden paradise of the Indian Ocean, Mauritius offers an enriching family getaway that has something for all ages. Thanks to its cultural tapestry shaped by the indigenous Mauritian Creole population and French, British, Indian, African, and Chinese influences, Mauritius boasts a huge array of activities and cuisine. The island's lush forests blend perfectly with its stunning coastline, offering a stunning backdrop for outdoor family adventures like hiking, snorkelling with tropical fish, golf or simply sitting back at a beach bar. Image credits: Shutterstock

International Travel

Jessica Alba surprises dad by buying his childhood home

Jessica Alba has spent the past three years working towards buying her parents a house, but not just any house, she bought her father's childhood home. She took to Instagram to make the announcement, with a teaser video of her special home-renovation project. "Almost three years ago, I started the project of my dreams… I surprised my parents by buying them a house!!" she began. "Now, it wasn't just any house – it was extra sentimental as it was my grandparent's house that my father grew up in," she continued. "After my grandfather passed away, my parents were planning on selling the house in order to pay for my grandmother's medical bills. Well… I pretended like I was going to help them flip it before selling when in reality, I had planned to buy it for them all along." <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-captioned="" data-instgrm-permalink="https://www.instagram.com/reel/C_TWEyhPyy_/?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/C_TWEyhPyy_/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by Jessica Alba (@jessicaalba)</a> </div> </blockquote> She published the first part of her renovation series on YouTube and in it explained the sentimental value of the house and how it was a symbol for her father, who was an immigrant from Mexico, that "he had made it". Her family initially planned to sell it to ease some of their financial burden, as her grandmother required "24/7 care" but Alba wanted to keep the house in the family and so her plan began. "Instead of it giving to a stranger, I wanted to keep this home in our family," she said in the YouTube series. The moment Alba surprised her parents was also captured in the video, with her father brought to tears as he was overcome with emotion. "That's so sweet Jessica. That's a big surprise," he said while embracing his daughter. "I'm very proud of you." Images: Instagram

Money & Banking

Grandmother's body found 800km from home

Police have revealed the body of a Queensland grandmother has been found 800km from home in bushland near a main tourist area. Wendy Hansen, 63, was last seen at an ATM in her hometown Monto - about 170km west of Bundaberg, Queensland - on February 29 this year. She was reported missing when she didn't return home, with police finding CCTV footage of her driving 400km south on Queensland's main highway on February 29. Queensland Police continued their public push for information in the months that followed, but on Thursday, NSW police revealed that they found her body half buried in bushland near Jordan Esplanade in Coffs Harbour on June 18. NSW homicide detectives are now looking for her vehicle, a silver 2007 two-door Mitsubishi Pajero with Queensland registration plates 645TCZ. In a statement on Thursday, NSW detectives appealed to the public for help with finding her car. "As investigations continue detectives are appealing to the public for any information, CCTV or dashcam footage that may assist the investigation to contact NSW Police or Crime Stoppers on 1800 333 000," they said. "Detectives are specifically interested in the location of Wendy’s car which has not yet been located and are urging anyone with dashcam vision of the car to contact police immediately." Images: NSW Police

Caring

Travel experts share their go-to hacks to transform your holiday

A group of travel experts have shared their holy grail hacks to transform your next holiday. From the best days to book your flights, to how to score an upgrade at a hotel, these seasoned travellers told the <a href="https://www.dailymail.co.uk/travel/article-13772593/Twenty-one-travel-hacks-transform-holiday-trick-getting-hotel-upgrade-cheapest-days-book-flights-expert-advice-Mails-experts.html">Mail Online</a> how to get the most out of your next trip. Pay in the local currency When you make a transaction via card in a foreign country, EFTPOS machines will often prompt you if you want to pay in your home currency or the local currency. By opting for the local currency, you can avoid potentially unfavourable currency conversions made by retailers, as the transaction will be made according to the standard daily rates set by Visa or MasterCard. Likewise, if withdrawing currency from a foreign ATM, always select the local currency to avoid paying the Dynamic Currency Conversion (DCC), which is effectively a way to squeeze more cash out of unwitting customers. Book a midweek flight Travellers are usually keen to book flights between Thursday and Monday to line up with the beginning and end of the week. However, flights booked midweek, especially from Monday to Wednesday, are consistently around 20-30 per cent less than at the weekend. Connect with an eSim card To avoid extortionate overseas data roaming charges, those travelling abroad should invest in an eSim card to keep using your phone on holiday. An eSim is cheaper and less hassle than dealing with buying an international physical Sim card, and can be changed for the best fees depending on regions. Book your hotel direct Many travellers opt to book their accommodation through a third-party after being enticed by deals, book now pay later schemes, or the abundance of options. However the Daily Mail’s Inspector hotel reviewer says “it almost always pays” to call and say you have seen a price that is lower than on the hotel’s website elsewhere. “Quite often you will get a lower rate, or an upgrade or a complimentary bottle in your room or a voucher for a drink at the bar,” the reporter says. By calling the hotel and asking them to match a price found on a third party site, you can often score the lower price, and even a better room. Never use airport currency exchange booths Currency exchange booths at airports are notorious for jacking up their conversion fees, meaning unsuspecting travellers can pay more to get their own money. It’s best not to leave cash conversion until the last minute. In the weeks before your trip, shop around at other exchange offices to ensure you’re getting the best rate on your own cash. Image credits: Shutterstock

Travel Tips

How fear of missing out can lead to you paying more when buying a home

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/park-thaichon-175182">Park Thaichon</a>, <a href="https://theconversation.com/institutions/university-of-southern-queensland-1069">University of Southern Queensland</a> The property market is a competitive space where finding a nice home, in the area you want, at a price you can afford is a hard ask. With buyers outnumbering available properties, the pressure is even greater causing some would-be buyers to develop <a href="https://health.clevelandclinic.org/understanding-fomo">a fear of missing out</a> (FOMO) and to make irrational decisions. FOMO might make you worry others are finding nicer homes and getting better deals, or that prices will rise to the point where you are priced out of the market altogether. This could cause you to pay too much or to buy a property in an area unsuitable for your needs. Then there is <a href="https://www.psychologytoday.com/au/blog/counseling-keys/202103/overcoming-fear-of-making-mistakes">fear of making a mistake</a> (FOMM), which can also cause problems if you’re a home hunter. You might be reluctant to bid or to negotiate because you are afraid of choosing the wrong property or paying more than it’s worth. <h2>Problems caused by FOMO and FOMM</h2> The principles of contagion theory, crowd psychology and the scarcity principle we identified in <a href="https://onlinelibrary.wiley.com/doi/epdf/10.1111/ijcs.12649?casa_token=271MN72XdP8AAAAA%3AfhYF_2yUJtM7KGv5jvFdXn5UsXQLkMcIM_F6hffYa30QaSdRivjf2mhFX-cr5C7ttCuLl1-e2OFYXBA">our research</a> on panic-buying during the pandemic, can be applied to any purchasing decisions. In this instance we applied them to buying properties in a competitive housing market. <a href="https://www.communicationtheory.org/contagion-theory/">Contagion theory</a> applies when people act irrationally under the influence of a crowd. <a href="https://www.bestvalueschools.com/faq/what-is-crowd-psychology/">Crowd psychology</a> is similar but relates to how a crowd behaves in certain circumstances, while <a href="https://www.indeed.com/career-advice/career-development/scarcity-principle">scarcity principle</a> is the idea if there are fewer items available, their value increases. Each of these can increase the likelihood of several behaviours when purchasing a property. These include: <ul> <li>Underbidding and overbidding</li> </ul> Fearing other buyers might get the house, house hunters might get caught up in a bidding war and end up paying more than planned. Conversely, buyers with FOMM might fear spending too much so bid too low to start with and risk losing the house. <ul> <li>Following the crowd and peer pressure influence</li> </ul> Buyers might feel <a href="https://link.springer.com/article/10.1007/s11403-021-00324-7">pressured to buy</a> in a certain area because it’s popular, even if it is not best fit for them. This can lead to paying more for a house just because others are doing the same. <ul> <li>Delaying decisions</li> </ul> FOMM can lead to <a href="https://onlinelibrary.wiley.com/doi/abs/10.1111/ijcs.12990?casa_token=ZhJnLBOwVxUAAAAA%3AW5haHZKSA1rFQsRNdvw0liOoyvdxl0OrFR2phkhGfYC6TnWRv9EsnV-N8w52CmcnAVb8X2yU1obpIjKx">taking too long to decide</a>. This delay can mean missing out on good deals or being forced to rush into a decision and end up overpaying. <ul> <li>Avoiding negotiation</li> </ul> Some buyers might avoid negotiating the price or special conditions such as building and pest inspections and finance approval because they fear the seller will reject their offer. This can result in paying more than they need to if there are problems later. <ul> <li>Excessive inspections and appraisals</li> </ul> While inspections and appraisals are important, too many can suggest indecisiveness driven by fear, resulting in wasted money on unnecessary assessments, and more importantly, wasted time and delayed decisions. <h2>Removing fear from the buying process</h2> Start with thorough research and preparation by learning about different neighbourhoods and house prices. The history of properties and suburbs can be found for free on property websites and is a good place to start. Seek professional guidance from real estate agents or financial advisers to help you through the process. Get insights on market trends from an agent from a selling company or bank to help find homes that meet your criteria. Keep in mind these agents will get some form of incentive from your purchase. All the big banks or loan officers can provide free property reports on specific properties or suburbs. Don’t forget to check council mapping and water authority documents to check for potential future road projects and other developments and for an area’s flood rating. Perform due diligence by thoroughly inspecting properties and reviewing contracts to ensure they meet your needs and are a good investment. For example, it is a good idea to hire a home inspector to check for any hidden issues before making an offer. Another common mistake made by most buyers is not asking their <a href="https://www.qld.gov.au/law/housing-and-neighbours/buying-and-selling-a-property/buying-a-home/before-you-start-looking/appointing-a-solicitor">solicitor</a> to check and give suggestions before signing a contract or offer. A solicitor can check the sale contract before you sign, review the disclosure documents, give advice on your mortgage contract, carry out title searches and explain the results and explain how the purchase may affect your liability for land tax. Do some contingency planning by preparing for unexpected price increases and for the presence of other strong bidders to reduce anxiety about making the wrong decision. Setting aside extra funds could help deal with higher than expected prices or unexpected repairs that need doing. In the end, plan well and make decisions without letting emotions take over. Taking your time to find the right home that fits your budget and goals, rather than rushing into a purchase due to fear of missing out or making a mistake.<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/233197/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/park-thaichon-175182">Park Thaichon</a>, Associate Professor of Marketing, <a href="https://theconversation.com/institutions/university-of-southern-queensland-1069">University of Southern Queensland</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/how-fear-of-missing-out-can-lead-to-you-paying-more-when-buying-a-home-233197">original article</a>. </div>

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Readers response: Do you find technology has made travel easier or more complicated?

The travel hack giving travellers two holidays in one

"World's biggest" amber nugget worth over $1 million used as doorstop for decades

Mother arrested after two boys found dead in Blue Mountains home

The best destinations for multi-generational holidays

Jessica Alba surprises dad by buying his childhood home

Grandmother's body found 800km from home

Travel experts share their go-to hacks to transform your holiday

How fear of missing out can lead to you paying more when buying a home

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