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"Star power": Dancing with the Stars salaries leaked

Break out the sequins and brace for the paso doble – Dancing With The Stars is back for its 22nd season on Sunday June 15, and while the celebrity cast is polishing their foxtrots and fake tans, the real drama has already begun… in their bank accounts. Twelve familiar Aussie faces will take to the floor in a blur of feathers, fringe and footwork, all in the name of charity (and, let’s be honest, a shot at the gloriously glittery Mirror Ball Trophy). But thanks to a <a href="https://www.nowtolove.com.au/entertainment/reality-tv/dancing-with-the-stars-australia-2025-salaries/" target="_blank" rel="noopener">cheeky little leak by Woman's Day</a>, we now know what else they’re dancing for: a surprisingly tiered pay system that splits the cast into three star-powered salary brackets. According to an “insider” who clearly missed the memo about NDAs, Woman’s Day has revealed that the 2025 cast is being paid based on a heady mix of legacy status, Logie nominations and possibly how many times Sonia Kruger has said their name on TV. Sitting pretty at the top of the pyramid (and we imagine, in the nicest rehearsal rooms) are national treasures Rebecca Gibney, Osher Günsberg and Shaun Micallef, each reportedly waltzing away with a cool $100,000. Between them, they’ve got decades of TV experience, Gold Logie nods and more charm than a Bunnings sausage sizzle. In the mid-range tier – the cha-cha-ching, if you will – are Olympic gold medallist Susie O’Neill, AFL great Trent Cotchin and 7NEWS stalwart Michael Usher, each allegedly earning $47,000. Not quite six figures, but still a pretty decent reward for risking public humiliation in Lycra. And finally, rounding out the glitterati is the budget-conscious brigade, earning a still-respectable $27,000: radio personality Brittany Hockley, influencer Mia Fevola, boxer Harry Garside, comic Felicity Ward, Home and Away heartthrob Kyle Shilling and 7NEWS’ Karina Carvalho. If enthusiasm and willingness to wear rhinestones were currencies, they'd all be millionaires. This tiered approach marks a departure from the great equal-pay kumbaya of 2023, when every one of the 14 celebrity contestants – including Matt Preston and Paulini – reportedly took home “just under $50,000”. Democracy in action... or perhaps just a simpler year for Channel 7’s payroll department. Dancing With The Stars premieres Sunday, June 15, with sparkly stalwart Sonia Kruger and fresh-faced co-host Dr Chris Brown returning to oversee the glittery chaos. Expect tears, twirls and at least one dramatic tumble — hopefully not from the top earners. Image: Channel 7

A quarter of a billion dollars in unclaimed Medicare rebates: here's how to claim them

More than a quarter of a billion dollars in unclaimed Medicare refunds are waiting to be returned to nearly a million Australians, with Services Australia urging people to check if they’re owed a share of the money. A staggering $260 million in Medicare rebates is currently unclaimed by 960,000 patients across the country. The unclaimed funds stem from GP and specialist visits where refunds were never processed due to incomplete or outdated bank account information. “You go to the doctor, you hand over your card and then you might not check what happens next,” said Justin Bott, community information officer at Services Australia. “Failing to follow up is what could be costing patients refunds they’re entitled to.” On a state-by-state basis, the figures remain eye-opening. Residents of New South Wales are owed $81 million, Victorians are missing $64 million, Queenslanders are due $51 million, Western Australians are entitled to $30 million, and South Australians could claim $19 million. The average unclaimed amount per person sits at around $265, but in some cases, individuals could receive over $10,000. One of the most affected demographics is young adults aged 18 to 25, who are often unaware of the need to update their details. The good news? The fix is simple. By logging into the MyGov portal and checking their Medicare account, Australians can update their bank details. Once updated, refunds are typically processed and deposited within three days. “It might not be you, but maybe it’s your child, your grandchild that has that money owing. Get them to check as well,” Bott urged. “Because again, what a great present to find that money being paid to them.” With hundreds of millions of dollars potentially just a few clicks away, Australians are being encouraged to act now and reclaim what is rightfully theirs. Image: Shutterstock

Money & Banking

Sir David Attenborough marks 99th birthday with special appeal

As he nears his 99th birthday, Sir David Attenborough – the beloved voice of the natural world for generations – has delivered perhaps his most emotional and urgent message yet: time is running out, not just for him, but for the planet. In a new documentary titled Ocean: With David Attenborough, set to release in cinemas on May 8 – the very day he turns 99 – the legendary broadcaster confronts the fragility of Earth’s ecosystems with stirring honesty. It is a deeply personal reflection on a lifetime of observing the planet’s wonders and wounds. “Now, as I approach the end of my life,” he says, “we know the opposite is true,” referring to the misguided idea that the sea was once a wilderness to be conquered. “The key to saving the planet is not on land, but at sea.” These words don’t come from a man resigned to despair, but from one who has spent nearly a century in awe of the world’s resilience. And yet, Attenborough doesn’t shy away from the pain of witnessing environmental decline. “The planet is in such poor health,” he admits, “that I would find it hard not to lose hope – were it not for the ocean.” It is here, in the depths of Earth’s oceans, that Attenborough finds not only scientific promise but emotional solace. “If we save the sea, we save our world,” he declares with conviction. “After a lifetime of filming our planet, I’m sure nothing is more important.” The documentary, as sweeping as it is intimate, takes viewers across oceans in the Americas, Europe, Africa and Oceania, exploring coral reefs, mangroves, coastal communities, marine sanctuaries and more. It highlights bold efforts by scientists and communities working to reverse the damage caused by humanity’s relentless exploitation – efforts that offer not only solutions but hope. With characteristic reverence and poetic clarity, Attenborough traces the sea’s central role in sustaining life on Earth. The film does more than educate – it pleads for connection, for urgency, for action. From Zoo Quest in the 1950s to Life on Earth, The Blue Planet, Planet Earth and Dynasties, Sir David’s work has been a chronicle of the natural world’s magnificence and its mounting distress. But never before has his message felt so personal – or so final. It's a legacy project: not just a film, but a farewell letter from a man who has given his life to showing us the beauty of this planet.

Caring

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

<div class="theconversation-article-body"> It would be impossible at this stage in the election campaign to be unaware that housing is a critical, potentially vote-changing, issue. But the suite of policies being proposed by the <a href="https://theconversation.com/how-do-the-coalition-and-labor-plans-on-housing-differ-and-what-have-they-ignored-253337">major parties</a> largely focus on young, first home buyers. What is glaringly noticeable is the lack of measures to improve availability and affordability for older people. Modern older lives are diverse, yet older people have become too easily pigeonholed. No more so than in respect to property, where a perception has flourished that older people own more than their fair share of housing wealth. While the value of housing has no doubt increased, home <a href="https://www.aihw.gov.au/reports/australias-welfare/home-ownership-and-housing-tenure#:%7E:text=The%20home%20ownership%20rate%20of,compared%20with%2036%25%20in%202021.">ownership rates</a> among people reaching retirement age has actually declined since the mid-1990s. Older people can also face <a href="https://www.anglicare.asn.au/research-advocacy/rental-affordability/">rental stress and homelessness</a> – with almost 20,000 <a href="https://www.abs.gov.au/statistics/people/housing/estimating-homelessness-census/latest-release">homeless people</a> in Australia aged over 55. Severe housing stress is a key contributing to those homelessness figures. It’s easy to blame older Australians for causing, or exacerbating, the housing crisis. But doing so ignores the fact that right now, our housing system is badly failing many older people too. <h2>No age limits</h2> Owning a home has traditionally provided financial security for retirees, especially ones relying on the age pension. This is so much so, that home ownership is sometimes described as the “fourth pillar” of Australia’s retirement system. But housing has become more expensive – to rent or buy – for everyone. Falling rates of <a href="https://grattan.edu.au/report/money-in-retirement/">home ownership</a> combined with carriage of mortgage debt into retirement, restricted access to shrinking stocks of social housing, and lack of housing affordability in the private rental market have a particular impact on older people. <h2>Housing rethink</h2> Housing policy for older Australians has mostly focused on age-specific options, such as retirement villages and aged care. Taking such a limited view excludes other potential solutions from across the broader housing system that should be considered. Furthermore, not all older people want to live in a retirement village, and fewer than <a href="https://www.abs.gov.au/statistics/health/disability/disability-ageing-and-carers-australia-summary-findings/latest-release#:%7E:text=5.5%20million%20Australians%20(21.4%25),a%20profound%20or%20severe%20disability.">5% of older people</a> live in residential aged care. During my <a href="https://www.churchilltrust.com.au/fellow/victoria-cornell-sa-2019/">Churchill Fellowship study</a> exploring alternative, affordable models of housing for older people, I discovered three cultural themes that are stopping us from having a productive conversation about housing for older people. <ul> <li> Australia’s tradition of home ownership undervalues renting and treats housing as a commodity, not a basic need. This disadvantages older renters and those on low income. </li> <li> There’s a stigma regarding welfare in Australia, which influences who is seen as “deserving” and shapes the policy responses. </li> <li> While widely encouraged, “ageing-in-place” means different things to different people. It can include formal facilities or the family home that needs modifications to make it habitable as someone ages. </li> </ul> These themes are firmly entrenched, often driven by policy narratives such as the primacy of home ownership over renting. In the past 50 years or so, many have come to view welfare, such as social housing, as a <a href="https://www.ahuri.edu.au/research/final-reports/390">last resort</a>, and have aimed to age in their family home or move into a “desirable” retirement village. <h2>Variety is key</h2> A more flexible approach could deliver housing for older Australians that is more varied in design, cost and investment models. The promises made so far by political parties to help younger home buyers are welcome. However, the housing system is a complex beast and there is no single quick fix solution. First and foremost, a national housing and homelessness plan is required, which also involves the states and territories. The plan must include explicit consideration of housing options for older people. Funding for housing developments needs to be more flexible in terms of public-private sector investment and direct government assistance that goes beyond first home buyer incentives. <h2>International models</h2> For inspiration, we could look to Denmark, which has developed numerous <a href="https://www.spatialagency.net/database/co-housing">co-housing communities</a>. Co-housing models generally involve self-managing communities where residents have their own private, self-contained home, supported by communal facilities and spaces. They can be developed and designed by the owner or by a social housing provider. They can be age-specific or multi-generational. Funding flexibility, planning and design are key to their success. Institutional investors include <ul> <li> so-called impact investors, who seek social returns and often accept lower financial returns </li> <li> community housing providers </li> <li> member-based organisations, such as mutuals and co-operatives. </li> </ul> Government also plays a part by expediting the development process and providing new pathways to more affordable ownership and rental options. Europe is also leading the way on social housing, where cultural attitudes are different from here. In Vienna, Austria, more than 60% of residents live in 440,000 <a href="https://www.wienerwohnen.at/wiener-gemeindebau/municipal-housing-in-vienna.html">socially provided homes</a>. These homes are available for a person’s entire life, with appropriate age-related modifications permitted if required. At over 20% of the total housing stock, <a href="https://lbf.dk/om-lbf/english-the-danish-social-housing-model/">social housing</a> is also a large sector in Denmark, where the state and municipalities support the construction of non-profit housing. <h2>Overcoming stereotyes</h2> Our population is ageing rapidly, and more older people are now renting or facing housing insecurity. If policymakers continue to ignore their housing needs, even more older people will be at risk of living on the street, and as a result will suffer poor health and social isolation. Overcoming stereotypes - such as the idea that all older people are wealthy homeowners - is key to building fairer, more inclusive solutions. This isn’t just about older Australians. It’s about creating a housing system that works for everyone, at every stage of 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/255391/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> By <a href="https://theconversation.com/profiles/victoria-cornell-2372746">Victoria Cornell</a>, Research Fellow, <a href="https://theconversation.com/institutions/flinders-university-972">Flinders University</a> This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/older-australians-are-also-hurting-from-the-housing-crisis-where-are-the-election-policies-to-help-them-255391">original article</a>. Image: Shutterstock </div>

Money & Banking

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

<div class="theconversation-article-body"> Another election, another wave of unsolicited political texts. Over this campaign, our digital mailboxes have been stuffed with a slew of political appeals and promises, many from the new party Trumpet of Patriots (backed by Clive Palmer, a <a href="https://www.abc.net.au/news/2019-01-11/clive-palmer-united-australia-party-unsolicited-text-messages/10709106">veteran</a> of the mass text campaign). The practice isn’t new, and it’s totally legal under current laws. It’s also non-partisan. Campaigns of all stripes have partaken. Behold, the Liberal Party’s <a href="https://www.sbs.com.au/news/article/liberal-party-defends-sending-text-messages-to-voters-on-asylum-seeker-boat-intercepts/mmqwk5508">last-minute SMS</a> to voters about asylum seekers before the 2022 federal election, or Labor’s controversial “<a href="https://www.smh.com.au/politics/federal/federal-election-2016-shorten-confirms-labor-sent-mediscare-text-20160705-gpzasl.html">Mediscare</a>” text before the 2016 poll. Despite multiple cycles of criticism, these tactics remain a persistent feature of Australian election campaigns. A recent proposal to update decades-old rules could help change things – if a government would put it into practice. <h2>What does the law say about political spam?</h2> Several laws regulate spam and data collection in Australia. First, there is the Spam Act. This legislation requires that organisations obtain our consent before sending us marketing emails, SMSs and instant messages. The unsubscribe links you see at the bottom of spam emails? Those are mandated by the Spam Act. Second, the Do Not Call Register (DNCR) Act. This Act establishes a “do not call” register, managed by the <a href="https://www.acma.gov.au/say-no-to-telemarketers">Australian Communications and Media Authority</a> (ACMA), which individuals can join to opt out of telemarketing calls. Finally, there is the Privacy Act, which governs how organisations collect, use and disclose our personal information. Among other things, the Privacy Act requires that organisations tell us when and why they are collecting our personal information, and the purposes for which they intend to use it. It restricts organisations from re-purposing personal information collected for a particular purpose, unless an exception applies. This trio of laws was designed to offer relief from unsolicited, unwanted direct marketing. It does not, however, stop the deluge of political spam at election time due to broad political exemptions sewn into the legislation decades ago. The Spam Act and DNCR Act apply to marketing for goods and services but not election policies and promises, while the Privacy Act contains a <a href="https://classic.austlii.edu.au/au/journals/UNSWLawJl/2021/21.html#fn13">carve-out</a> for political parties, representatives and their contractors. The upshot is that their campaigns are free to spam and target voters at will. Their only obligation is to disclose who authorised the message. <h2>How do political campaigns get our information?</h2> Secrecy about the nature and extent of campaign data operations, enabled by the exemptions, makes it difficult to pinpoint precisely where a campaign might have obtained your data from. There are, however, a number of ways political campaigns can acquire our information. One source is the electoral roll (though not for phone numbers, as the Australian Electoral Commission <a href="https://x.com/AusElectoralCom/status/1434752533294194692">often points out</a>). Incumbent candidates might build on this with information they obtain through contact with constituents which, thanks to the exemptions, they’re allowed to re-purpose for campaigning at election time. Another source is data brokers – firms which harvest, analyse and sell large quantities of data and profiles. We know the major parties have long maintained voter databases to support their targeting efforts, which have become <a href="https://www.abc.net.au/news/2022-05-19/behind-liberal-labor-data-arms-race-this-election/101074696">increasingly sophisticated</a> over the years. Other outfits might take more haphazard approaches – former MP <a href="https://www.smh.com.au/politics/federal/united-australia-party-leader-craig-kelly-defends-spam-messages-20210829-p58mv7.html">Craig Kelly</a>, for example, claimed to use software to randomly generate numbers for his texting campaign in 2021. <h2>What can be done?</h2> Unwanted campaign texts are not only irritating to some. They can be misleading. This year, there have been <a href="https://www.abc.net.au/news/2025-04-17/monique-ryan-polling-amelia-hamer-trust-fund-kooyong/105185290">reports</a> of “push polling” texts (pseudo surveys meant to persuade rather than gauge voter options) in the marginal seat of Kooyong. The AEC has <a href="https://www.aec.gov.au/media/2025/03-31a.htm">warned</a> about misleading postal vote applications being issued by parties via SMS. <figure class="align-right zoomable"><a href="https://images.theconversation.com/files/664617/original/file-20250429-74-yothae.jpg?ixlib=rb-4.1.0&q=45&auto=format&w=1000&fit=clip"><img src="https://images.theconversation.com/files/664617/original/file-20250429-74-yothae.jpg?ixlib=rb-4.1.0&q=45&auto=format&w=237&fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/664617/original/file-20250429-74-yothae.jpg?ixlib=rb-4.1.0&q=45&auto=format&w=600&h=738&fit=crop&dpr=1 600w, https://images.theconversation.com/files/664617/original/file-20250429-74-yothae.jpg?ixlib=rb-4.1.0&q=30&auto=format&w=600&h=738&fit=crop&dpr=2 1200w, https://images.theconversation.com/files/664617/original/file-20250429-74-yothae.jpg?ixlib=rb-4.1.0&q=15&auto=format&w=600&h=738&fit=crop&dpr=3 1800w, https://images.theconversation.com/files/664617/original/file-20250429-74-yothae.jpg?ixlib=rb-4.1.0&q=45&auto=format&w=754&h=927&fit=crop&dpr=1 754w, https://images.theconversation.com/files/664617/original/file-20250429-74-yothae.jpg?ixlib=rb-4.1.0&q=30&auto=format&w=754&h=927&fit=crop&dpr=2 1508w, https://images.theconversation.com/files/664617/original/file-20250429-74-yothae.jpg?ixlib=rb-4.1.0&q=15&auto=format&w=754&h=927&fit=crop&dpr=3 2262w" alt="Screenshot of a text message from Trumpet of Patriots." /></a><figcaption>This election campaign has seen a flood of texts from Trumpet of Patriots, among others. The Conversation, <a class="license" href="http://creativecommons.org/licenses/by-sa/4.0/">CC BY-SA</a></figcaption></figure> Generative AI is hastening the ability to produce misleading content, cheaply and at scale, which can be quickly pushed out across an array of online social and instant messaging services. In short, annoying texts are just one visible symptom of a wider vulnerability created by the political exemptions. The basic argument for the political exemptions is to facilitate freedom of political communication, which is protected by the Constitution. As the High Court has said, that freedom is necessary to support informed electoral choice. It does not, however, guarantee speakers a <a href="http://www6.austlii.edu.au/cgi-bin/viewdoc/au/cases/cth/HCA/2019/11.html">captive audience</a>. In 2022, the Attorney-General’s Department <a href="https://www.ag.gov.au/sites/default/files/2023-02/privacy-act-review-report_0.pdf">proposed</a> narrowing the political exemptions, as part of a suite of updates to the Privacy Act. Per the proposal, parties and representatives would need to be more transparent about their data operations, provide voters with an option to unsubscribe from targeted ads, refrain from targeting voters based on “sensitive information”, and handle data in a “fair and reasonable” manner. The changes would be an overdue but welcome step, recognising the <a href="https://bridges.monash.edu/articles/journal_contribution/Conceptualising_Voter_Privacy_in_the_Age_of_Data-Driven_Political_Campaigning/27330276?file=50073381">essential role</a> of voter privacy in a functioning democratic system. Unfortunately, the government has not committed to taking up the proposal. A bipartisan lack of support is likely the biggest obstacle, even as the gap created by the political exemptions widens, and its rationale becomes flimsier, with each election cycle.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/255413/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> By <a href="https://theconversation.com/profiles/tegan-cohen-1331144">Tegan Cohen</a>, Postdoctoral Research Fellow, Digital Media Research Centre, <a href="https://theconversation.com/institutions/queensland-university-of-technology-847">Queensland University of Technology</a> This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/why-are-political-parties-allowed-to-send-spam-texts-and-how-can-we-make-them-stop-255413">original article</a>. Image: Shutterstock </div>

Legal

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

<div class="theconversation-article-body"> If you’ve ever tried to build a new habit – whether that’s exercising more, eating healthier, or going to bed earlier – you may have heard the popular claim that it only takes 21 days to form a habit. It’s a neat idea. Short, encouraging and full of promise. But there’s just one problem: it’s not true. The 21-day myth can be traced back to <a href="https://www.amazon.com/gp/product/0671700758/ref=as_li_qf_sp_asin_il_tl?ie=UTF8&camp=1789&creative=9325&creativeASIN=0671700758&linkCode=as2&tag=jamesclear-20&linkId=6DQ32IRAG3LU4PKA">Maxwell Maltz</a>, a plastic surgeon in the 1960s, who observed it took about three weeks for his patients to adjust to physical changes. This idea was later picked up and repeated in self-help books, eventually becoming accepted wisdom. But as psychologists and behavioural scientists have since discovered, habit formation is <a href="https://www.scientificamerican.com/article/how-long-does-it-really-take-to-form-a-habit/">much more complex</a>. <h2>How long does it really take?</h2> A <a href="https://onlinelibrary.wiley.com/doi/10.1002/ejsp.674">2010 study</a> followed volunteers trying to build simple routines – such as drinking water after breakfast or eating a daily piece of fruit – and found it took a median of 66 days for the behaviour to become automatic. We recently <a href="https://www.mdpi.com/2227-9032/12/23/2488">reviewed several studies</a> looking at how long it took people to form health-related habits. We found, on average, it took around two to five months. Specifically, the studies that measured time to reach automaticity (when a behaviour becomes second nature) found that habit formation took between 59 and 154 days. Some people developed a habit in as few as four days. Others took nearly a year. This wide range highlights that habit formation isn’t one-size-fits-all. It depends on what the behaviour is, how often it’s repeated, how complex it is, and who’s doing it. <h2>What determines whether a habit will stick?</h2> Habit strength plays a key role in consistency. A <a href="https://www.frontiersin.org/journals/psychology/articles/10.3389/fpsyg.2021.626750/full">2021 systematic review</a> focused on physical activity and found the stronger the habit (meaning the more automatic and less effortful the behaviour felt) the more likely people were to exercise regularly. It’s not entirely surprising that easy, <a href="https://bjgp.org/content/62/605/664">low-effort behaviours</a> such as drinking water or taking a daily vitamin tend to form faster than complex ones like training for a marathon. But whatever the habit, <a href="https://www.nature.com/articles/s44159-024-00305-0">research shows</a> sticking to it is not just about boosting motivation or willpower. Interventions that actively support habit formation – through repetition, cues and structure – are much more effective for creating lasting change. For example, programs that encourage people to schedule regular exercise at the same time each day, or apps that send reminders to drink water after every meal, help build habits by making the behaviour easier to repeat and harder to forget. Our <a href="https://www.mdpi.com/2227-9032/12/23/2488">research</a>, which drew on data from more than 2,600 people, showed habit-building interventions can make a real difference across a range of behaviours – from flossing and healthy eating to regular exercise. But what stood out most was that even small, everyday actions can grow into powerful routines, when repeated consistently. It’s not about overhauling your life overnight, but about steadily reinforcing behaviours until they become second nature. <h2>8 tips for building lasting habits</h2> If you’re looking to build a new habit, here are some science-backed tips to help them stick: <ol> <li> Give it time. Aim for consistency over <a href="https://www.mdpi.com/2227-9032/12/23/2488">60 days</a>. It’s not about perfection – missing a day won’t reset the clock. </li> <li> <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC3505409/">Make it easy</a>. Start small. Choose a behaviour you can realistically repeat daily. </li> <li> Attach your new habit <a href="https://www.mdpi.com/2227-9032/12/23/2488">to an existing routine</a>. That is, make the new habit easier to remember by linking it to something you already do – such as flossing right before you brush your teeth. </li> <li> <a href="https://www.tandfonline.com/doi/full/10.1080/0144929X.2020.1801840">Track your progress</a>. Use a calendar or app to tick off each successful day. </li> <li> Build in <a href="https://www.sciencedirect.com/science/article/pii/S2212267215011181?casa_token=-VKsr03fXOUAAAAA:pKV0oAB5VVuj8RcPAW5T7prjo3efSVpi6P6TXFoeTLHBX_vFK0ttF6tFM9-8Fp6o45XPu_lcij5d">rewards</a>, for example making a special coffee after a morning walk or watching an episode of your favourite show after a week of consistent workouts. Positive emotions help habits stick, so celebrate small wins. </li> <li> Morning is best. Habits practised <a href="https://psycnet.apa.org/doiLanding?doi=10.1037%2Fhea0000510">in the morning</a> tend to form more reliably than those attempted at night. This may be because people typically have more motivation and fewer distractions earlier in the day, making it easier to stick to new routines before daily demands build up. </li> <li> Personal choice boosts success. People are more likely to stick with habits <a href="https://www.frontiersin.org/journals/psychology/articles/10.3389/fpsyg.2020.00560/full">they choose themselves</a>. </li> <li> <a href="https://onlinelibrary.wiley.com/doi/abs/10.1002/ejsp.674">Repetition</a> in a stable context is key. Performing the same behaviour in the same situation (such as walking right after lunch each day) increases the chances it will become automatic. </li> </ol> <h2>Why the 21-day myth matters</h2> Believing habits form in 21 days sets many people up to fail. When change doesn’t “click” within three weeks, it’s easy to feel like you’re doing something wrong. This can lead to frustration, guilt and giving up entirely. By contrast, understanding the real timeline can help you stay motivated when things feel slow. Evidence shows habit formation usually takes at least two months, and sometimes longer. But it also shows change is possible. Our <a href="https://www.mdpi.com/2227-9032/12/23/2488">research</a> and <a href="https://bjgp.org/content/62/605/664">other evidence</a> confirm that repeated, intentional actions in stable contexts really do become automatic. Over time, new behaviours can feel effortless and deeply ingrained. So whether you’re trying to move more, eat better, or improve your sleep, the key isn’t speed – it’s consistency. Stick with it. With time, the habit will stick with you.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/255118/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> By <a href="https://theconversation.com/profiles/ben-singh-1297213">Ben Singh</a>, Research Fellow, Allied Health & Human Performance, <a href="https://theconversation.com/institutions/university-of-south-australia-1180">University of South Australia</a> and <a href="https://theconversation.com/profiles/ashleigh-e-smith-201327">Ashleigh E. Smith</a>, Associate Professor, Healthy Ageing, <a href="https://theconversation.com/institutions/university-of-south-australia-1180">University of South Australia</a> This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/forming-new-habits-can-take-longer-than-you-think-here-are-8-tips-to-help-you-stick-with-them-255118">original article</a>. Image: Shuttertock </div>

Mind

Robert Irwin announces new Hollywood career move

The ballroom just got a little more... reptilian. Robert Irwin, the 21-year-old Aussie wildlife warrior and part-time crocodile whisperer, has officially signed on for the upcoming season of Dancing With The Stars US. And how did he announce it? By strutting shirtless onto a stage in Los Angeles with a snake around his neck like it was just another Tuesday. The announcement came during Hulu’s Get Real event, where Robert delivered an enthusiastic (and slightly slippery) surprise to the crowd. Cheers erupted, though it’s unclear if they were for Robert, the snake, or the possibility of a paso doble performed in khaki. Robert, who grew up watching his sister Bindi Irwin twirl and samba her way to victory on Season 21 of the show, shared his excitement, saying: “I had these little dreams, going, ‘One day’ and now that dream is a reality and I am over the moon.” Which, we can assume, is also how the snake felt about its brief moment of fame. Taking to Instagram, Robert confirmed the dream was, in fact, no hallucination caused by excessive exposure to eucalyptus. "It's official, I'm heading to Hollywood for Dancing With The Stars Season 34," he wrote. "This has been a dream of mine since I was a little kid watching my sister's incredible journey on the show. I cannot believe it is about to become a reality. So grateful." Naturally, fans flooded the comments with well-wishes, excitement and at least one person probably asking, “Is the snake going to dance too?” Even the official DWTS account chimed in with a warm “Welcome to the DWTS fam”. <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/DIxrOK-h6H8/?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/DIxrOK-h6H8/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by Robert Irwin (@robertirwinphotography)</a> </div> </blockquote> But the pressure is real. Bindi Irwin won her season at just 17 years old, leaving Robert with some big dancing shoes to fill – and possibly a pair of backup snakes. Her most iconic moment? A moving contemporary tribute to their late father, Steve Irwin, that had the judges, the audience and half the internet sobbing into their glitter. Bindi said at the time: "What shaped me the most would probably be when my dad passed away. It's been nine years and I've never really dwelled on that point. I think I'm ready to tell that story." So, the bar is high. Emotionally and choreographically. While Robert’s signature style has been more khaki-and-cobra than sequins-and-salsa, we eagerly await his transformation into a glittery, rhinestone-studded dance machine. Will he bring more snakes? Will he attempt a tango with a tarantula? Will he rip his shirt off mid-routine like it’s Magic Mike: Down Under? Stay tuned. Season 34 is shaping up to be wild – literally. Images: Instagram

Why you should revisit the classics, even if you were turned off them at school

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/johanna-harris-305384">Johanna Harris</a>, <a href="https://theconversation.com/institutions/australian-catholic-university-747">Australian Catholic University</a> Throughout my school years I had an exuberant, elderly piano teacher, Miss Hazel. She was one of five daughters (like me) and, like many young women of her generation, had never married her sweetheart because he did not return from the war. Her unabashed gusto for life and infectious, positive outlook left an indelible impression upon me. So too did the memorable fact that Miss Hazel read Jane Austen’s <a href="https://www.goodreads.com/book/show/84979.Pride_and_Prejudice">Pride and Prejudice</a> from beginning to end once every year. As a younger girl I wondered about the ways Pride and Prejudice could be so important to a woman in her eighties that she would want to read it annually. Was it to do with Austen’s depiction of a family with five daughters, or to relive an endearing love story? Since those years I have seen, more through lived experience than through academic study, just how deeply meaningful the reading of classic books, like Pride and Prejudice, can be. <figure class="align-left zoomable"></figure> I no longer simply read this book for Elizabeth Bennett’s love story, but for the finely crafted replication Austen gives us of human character, with all its flaws. Hers are imaginary yet imaginably real situations, all depicted with humour and a sensitively calibrated dose of sympathy for even the most unlikeable literary figures. The clergyman Mr Collins, Elizabeth’s distant cousin and her rejected suitor, was always repellent for his obsequiousness but I see more readily now his self-serving nature cloaked in altruism. The haughty snobbery of Darcy’s aristocratic aunt, Lady Catherine de Bourgh, hints at a deeper layer of sadness and fragility only rereading can illuminate. <h2>Box-ticking and speed</h2> When we’re at school or university we may read for speed. I remember managing my reading of Ann Radcliffe’s 432-page gothic romance <a href="https://www.goodreads.com/book/show/93135.The_Romance_of_the_Forest?from_search=true&from_srp=true&qid=oU6912stkW&rank=1">The Romance of the Forest</a> to work out how many pages per hour I would need to read across a weekend in order to finish the novel before my university tutorial. (It was an ungodly ratio and I don’t recall much of the novel.) <figure class="align-right zoomable"></figure> Or we may read for the tick-box exercise of writing for assessment requirements: accumulating knowledge of a novel’s original metaphors, descriptions that best capture a prescribed theme (“belonging” or “identity”), or of poetry by which we can demonstrate a grasp of innovative metre. But how and why do we reread classic books, when we are not constrained by class plans or prescribed exam themes. And why should we? <h2>‘Like a graft to a tree’</h2> Rebecca Mead’s <a href="https://www.goodreads.com/book/show/20924311-the-road-to-middlemarch?from_search=true&from_srp=true&qid=Cm2E7fwgeL&rank=1">The Road to Middlemarch</a> offers a compelling exploration of one writer’s five-yearly revisitation of George Eliot’s masterpiece, <a href="https://www.goodreads.com/book/show/19089.Middlemarch?from_search=true&from_srp=true&qid=CRcxE3ftkB&rank=1">Middlemarch</a>. Mead first read the novel at school, and Eliot’s subtitle to the novel, “A Study of Provincial Life”, captured precisely what Mead was trying to escape at that time: provinciality. Eliot’s central character, Dorothea Brooke, captivated Mead as an unconventional intellectual heroine yearning for a life of meaning and significance. Mead marked out important moments with a fluorescent pen, such as when the intellectual and spiritual inadequacies of Dorothea’s husband, <a href="https://www.britannica.com/topic/Edward-Casaubon">Casaubon</a>, dawn upon her. Mead writes, quoting Eliot: <blockquote> ‘Now when she looked steadily at her husband’s failure, still more at his possible consciousness of failure, she seemed to be looking along the one track where duty became tenderness […]’ These seemed like things worth holding on to. The book was reading me, as I was reading it. </blockquote> <figure class="align-left zoomable"></figure> This idea of books “reading us” can sound like an odd animism. But books can prompt us to reflect on our own lives, too. Eliot makes Middlemarch almost compulsory to reread later in life: the idealism of youth captures the young reader, while the novel’s humour becomes more sympathetic as we age. To reread a novel like Middlemarch is to trace the ways we too have experienced idealism turn to illusion, or have seen the restless pursuit of change turn to a retrospective gratitude and a recognition of grace. Our ability to acknowledge new depths of meaning in our own lives and to recognise within ourselves a subtler sympathy for the lives of others can be articulated almost as precisely as lived experience itself. As Mead says, “There are books that grow with the reader as the reader grows, like a graft to a tree.” <h2>Feeling for Lear</h2> The same can be said of Shakespeare. As young readers, we won’t necessarily capture the full vision <a href="https://www.goodreads.com/book/show/12938.King_Lear?from_search=true&from_srp=true&qid=nowKY1f5aB&rank=1">King Lear</a> offers us of the tragicomic paradoxes sometimes presented by old age. The play depicts the loss of power and control over one’s life and decision-making, the tender fragility of family relationships when the care of aged parents is suddenly an urgent question and the madness that can prevail when an inheritance is at stake. <figure class="align-right zoomable"></figure> Some of these things might abstractly be understood when taught to us in the classroom, but they are far more powerfully seen when revisited after we have lived a little more of that imaginably real life ourselves. As students we might have squirmed with discomfort at the literal blinding of Lear’s loyal subject the Earl of Gloucester (the horror of witnessing a visceral, grotesque injury). But as we age it is the tragedy of moral blindness that lingers, making the final scene so extraordinarily moving: “Do you see this? Look on her. Look, her lips. Look there, look there,” Lear pleads, as if to say that Cordelia, lifeless in his arms, still breathes. Does he really see her lips quiver? Does he really believe she lives? Is this some consolation with which he dies or is it delusion? Lear’s heart is broken. So is mine. Each time I revisit this final scene, the grief of Lear as a father is profoundly felt, but my heart is broken even more so by his continuing blindness; his vision (what he thinks he sees) is desperate, untrue, and ultimately meaningless. <h2>Sites of discovery</h2> When we read we inhabit imaginary worlds and each time the reading can be different. Philip Davis, a professor of literature and psychology <a href="https://global.oup.com/academic/product/reading-and-the-reader-9780199683185?cc=au&lang=en&">has written</a>, <blockquote> Rereading is important in checking and refreshing that sense of meaning, as the reader goes back and re-enters the precise language once again. </blockquote> Davis points to an idea advanced by the novelist and philosopher Iris Murdoch, of the reader’s collection of special, memorable fragments, which serve as metaphors for the reader’s self-utterances, developed over time. These are “nascent sites for thinking and re-centring”. This is a similar idea to the novelist and journalist Italo Calvino’s description in <a href="https://www.goodreads.com/book/show/9814.Why_Read_the_Classics_?from_search=true&from_srp=true&qid=RALd1Dx5a9&rank=1">Why Read the Classics?</a> of the way classic books “imprint themselves on our imagination as unforgettable” and “hide in the layers of memory disguised as the individual’s or the collective unconscious.” Works of imaginative literature are not manuals for life, though they might along the way gift us with some wisdom; they are sites of discovery and rediscovery. The classic works we are introduced to at school may establish such sites for thinking about ourselves and others, but it is in rereading them as we grow older that we can better see the ways we have grown as imaginative, moral beings.<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/246147/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/johanna-harris-305384">Johanna Harris</a>, Associate Professor, Literature, Western Civilisation Program, <a href="https://theconversation.com/institutions/australian-catholic-university-747">Australian Catholic 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/why-you-should-revisit-the-classics-even-if-you-were-turned-off-them-at-school-246147">original article</a>. </div>

Books

AFL star's wife spends wedding anniversary in hospital amid cancer battle

AFL star Jeremy Finlayson's wife Kellie Finlayson has revealed she's had a bit of a setback with her health and is spending her second wedding anniversary in hospital. The 29-year-old is battling terminal stage four bowel cancer that metastasised in her lungs. She took to Instagram to share the update from her hospital bed, with a picture of the happy couple showing off their rings on their wedding day, and an updated photo of herself in the ward, with the caption: "Happy anniversary darl. Two years ago V. Today!" "Happy anniversary to me," she added, using a crying with laughter emoji and a bandaged love heart emoji. The AFL star shared his own anniversary message with an Instagram story, writing: "Happy anniversary <3" Kellie did not explain why she was hospitalised. The couple tied the knot back in March 2023 in South Australia. Kellie, who is a mother-of-one, was diagnosed with bowel cancer at the age of 25. She previously opened up about her diagnosis on the Nova podcast Head Game, and shared just how hard her chemotherapy treatment was. "I lost a s--t ton of weight. I mean, I had a stoma, so I had a foreign object on my stomach. I wasn't the normal mum that she should have had, but I was as good as I possibly could be. It was hard," she said at the time. "I was allergic to one of the strands of that chemotherapy, which is why, when I did relapse, I had to change chemotherapy, which meant I lost my hair. "I was on my deathbed. I was getting anaphylactic reactions every three weeks to this chemotherapy. So I was essentially dying every three weeks, just to get better." Image: Instagram

Caring

Best hotels in Australia revealed

The <a href="https://www.forbestravelguide.com/award-winners" target="_blank" rel="noopener">2025 Forbes Travel Guide</a> has announced the winners of the Star Awards, with nine hotels and experiences in Australia being named in the list. Every property in the running for the awards is visited by highly trained inspectors who provide an evaluation based on up to 900 objective criteria. According to Forbes, the Star Rating system "emphasises service because your experience at a hotel, restaurant or spa goes beyond looks". Over 2000 hotels, experiences, restaurants and cruises were named on the global list, with nine Aussie winners featuring in the prestigious list. The only property in the country to receive a 5-star accommodation rating in the 2025 Forbes Travel Guide was Crown Towers in Perth. Touted as "the pinnacle of Perth luxury", Forbes described the property as "Perth's most extravagant stay. Exuding understated glamour." In the spa category the Crown Spa Perth, which is tucked away in Crown Towers Perth, was awarded 4-stars for its "unbridled opulence". The Darling Sydney has once again received recognition in the Forbes Travel Guide for the ninth consecutive year, while The Darling's "world class" spa was also featured. Check out the list below. 9. The Langham - Sydney 8. Park Hyatt - Sydney 7. Park Hyatt - Melbourne 6. Capella - Sydney 5. Como The Treasury - Perth 4. The Darling Spa - Sydney 3. The Darling - Sydney 2. Crown Spa - Perth 1. Crown Towers - Perth Image credits: Crown Hotels <p style="box-sizing: border-box; margin: 0px 0px 16px; padding: 0px; border: 0px; font-stretch: inherit; font-size: 18px; line-height: 24px; font-family: 'Proxima Nova', system-ui, -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Fira Sans', 'Droid Sans', 'Helvetica Neue'; font-size-adjust: inherit; font-kerning: inherit; font-variant-alternates: inherit; font-variant-ligatures: inherit; font-variant-numeric: inherit; font-variant-east-asian: inherit; font-variant-position: inherit; font-feature-settings: inherit; font-optical-sizing: inherit; font-variation-settings: inherit; vertical-align: baseline; color: #333333;">

Domestic Travel

Being carers costs women more than $500,000 over a lifetime, leaving them with less in retirement than men

<div class="theconversation-article-body"> <a href="https://theconversation.com/profiles/myra-hamilton-8638">Myra Hamilton</a>, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a> By the time they retire, women typically have about <a href="https://link.springer.com/book/10.1007/978-981-97-5461-8">one third</a> less superannuation than men. This can amount to more than <a href="https://www.carersaustralia.com.au/wp-content/uploads/2024/03/Final-Economic-impact-income-and-retirement-Evaluate-Report-March-2022_2024EDIT.pdf">$500,000</a> when wages and super are combined over their lifetime. The gendered super gap has narrowed over the last few decades, as women have joined the workforce <a href="https://www.abs.gov.au/articles/changing-female-employment-over-time#:%7E:text=Women's%20participation%20in%20paid%20work,women%20are%20also%20working%20longer.">in increasing numbers</a> and the superannuation system has matured. But progress is too slow. If we keep tracking as we are, we can’t expect parity until <a href="https://www.womeninsuper.com.au/application/files/3816/8782/3898/7._Not_up_for_discussion.pdf">2070</a>. So why is the gap so persistent? <h2>Making super compulsory</h2> For most of the 20th century, Australia’s retirement incomes system produced more equal outcomes because the age pension is not linked to a person’s lifetime earnings. But the introduction of <a href="https://www.australianretirementtrust.com.au/learn/education-hub/superannuation-history-australia">compulsory super</a> in 1992 linked lifetime earnings and retirement income. The gender super gap arises because women and men have different patterns of paid work and earning over their lifetimes. Women have <a href="https://www.wgea.gov.au/the-gender-pay-gap#:%7E:text=conscious%20and%20unconscious%20discrimination%20and,responsibilities%2C%20especially%20in%20senior%20roles">14% lower</a> average weekly earnings than men. This is due to <a href="https://www.wgea.gov.au/the-gender-pay-gap#:%7E:text=conscious%20and%20unconscious%20discrimination%20and,responsibilities%2C%20especially%20in%20senior%20roles">three factors</a>: <ul> <li> women are much more likely to have unpaid care responsibilities. As a result, they take career breaks, work fewer hours, or work in jobs incommensurate with their skills </li> <li> discrimination, bias and lack of workplace flexibility mean better pay and career outcomes for men and fewer opportunities for people to combine work and career with care responsibilities </li> <li> occupational segregation means women are concentrated in female-dominated industries, which tend to attract lower wages than male-dominated ones. </li> </ul> Over a lifetime, these factors limit women’s capacity to earn and to accumulate super. On average, a woman in full-time permanent employment accumulates <a href="https://www.wgea.gov.au/sites/default/files/documents/Women%27s%20economic%20security%20in%20retirement.pdf">17.7% less</a> superannuation per year than a man in an equivalent role. That amounts to A$1,540 less per year. This annual shortfall compounds over time resulting in a wide gender super gap by the time women retire. <h2>How does this work in practice?</h2> The interruptions to work caused by providing unpaid care reduces people’s opportunities for accumulating superannuation. For example, having a child leads to substantial reductions in mothers’ workforce participation and earnings. Women’s earnings <a href="https://treasury.gov.au/sites/default/files/2023-03/p2023-372004.pdf">fall</a> by an average of 55% in the first five years after entry into parenthood. In contrast, research suggests men’s earnings are <a href="https://treasury.gov.au/sites/default/files/2023-03/p2023-372004.pdf">unchanged</a>, or even <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC5340267/#:%7E:text=Over%20time%2C%20unmarried%20but%20coresident,support%20for%20egalitarian%20gender%20roles.">increase</a>, after they become parents. So parenthood has a much greater impact on a mothers’ super than a fathers’. One <a href="https://melbourneinstitute.unimelb.edu.au/assets/documents/hilda-bibliography/hilda-conference-papers/2007/Parr,-Nicholas_final-paper.pdf">estimate</a> suggests having a child reduces a woman’s superannuation balance at age 60 by about $50,000 and a man’s by $5,000. It’s not just parenthood. <a href="https://www.aihw.gov.au/reports/australias-welfare/informal-carers">One in 10</a> Australians provide care for an ageing relative or person with a disability or chronic illness. Women do most of this unpaid care. Unpaid carers <a href="https://bristoluniversitypressdigital.com/view/journals/ijcc/6/3/article-p318.xml">often</a> reduce their working hours, withdraw from work, or put their careers on hold. Among primary carers <a href="https://www.wgea.gov.au/gender-equality-and-caring#:%7E:text=Primary%20carers%20are%20carers%20who,carers">only 58%</a> are in paid work. According to a <a href="https://www.carersaustralia.com.au/wp-content/uploads/2024/03/Final-Economic-impact-income-and-retirement-Evaluate-Report-March-2022_2024EDIT.pdf">recent study</a>, on average, by age 67, primary carers have lost $392,500 in lifetime earnings and $175,000 in super. Some older workers, especially women, also care for their grandchildren. More than a <a href="https://aifs.gov.au/sites/default/files/2022-07/Grandparents%20and%20child%20care%20in%20Australia_0.pdf">quarter</a> of grandparents of a child aged 13 or under provide care for the child in a typical week, usually while the parents work. In a <a href="https://nationalseniors.com.au/uploads/09151356PAC_GrandparentsChildcareLabourForceParticipation_Report_FINAL_Web_0.pdf">recent</a> study, 70% of grandparents, mostly grandmothers, providing regular childcare reported they adjusted their work to accommodate it. One in three reported it had negative impacts on their financial security as they aged. These factors compound over a lifetime. Many Australians provide care for multiple family members simultaneously, or at different times throughout their lives. Women in employment are more likely to be in lower paid positions, and lower paid industries and occupations. Employees in feminised industries such as community services (including paid care workers) and retail have among the <a href="https://www.superannuation.asn.au/wp-content/uploads/2024/01/2311_An_update_on_superannuation_account_balances_Paper_V2.pdf">lowest</a> median super balances, less than half of those of managers and professionals. <h2>What is the solution?</h2> The gender super gap reflects deep inequalities in the distribution of work, incomes and care responsibilities between women and men across their lives. How do we fix it? Policy and public debate has focused on boosting women’s workforce participation. More women in work, means higher incomes and more saving, reducing the gender super gap, right? Yes, up to a point and rates of <a href="https://www.abs.gov.au/articles/changing-female-employment-over-time">women’s workforce participation</a> are increasing. But we also know in Australia, we have a <a href="https://nationalseniors.com.au/uploads/09151356PAC_GrandparentsChildcareLabourForceParticipation_Report_FINAL_Web_0.pdf">preference</a> for some family care of young children, and for care of adults with disability and older people in the <a href="https://www.aihw.gov.au/reports/australias-welfare/australias-welfare-2017-in-brief/contents/ageing-aged-care">community</a>. This means many parents and carers will continue to have at least some interruptions to paid work, reducing their super contributions. We also know when women are encouraged to enter paid work, care responsibilities are often “redistributed” to other women. When mothers enter or re-enter paid work it’s often <a href="https://theconversation.com/caught-in-an-intergenerational-squeeze-grandparents-juggle-work-and-childcare-47939">grandmothers</a> who step in, frequently reducing their incomes and super. For care of ageing <a href="https://www.cambridge.org/core/journals/ageing-and-society/article/abs/an-integrative-analysis-of-sibling-influences-on-adult-childrens-caregiving-for-parents/038C6F299E62380F9C954A9A586A28CD">parents</a> it is often non-working female siblings that step in. As the savings potential of one group of women increases, the savings potential of another decreases. Where care can’t be redistributed to other women within the family, it is redistributed to paid early childhood education and care, disability support, and aged care services. All of these services are dominated by women. As a highly feminised industry, the caring roles are <a href="https://www.abc.net.au/news/2024-08-14/why-are-nurses-and-childcare-workers-so-poorly-paid/104218868">poorly remunerated</a>, so those doing the care, while paid, are themselves limited to save enough super. Boosting women’s workforce participation is an important step. But another is to pay super contributions to parents during the time they are off work providing childcare, as <a href="https://ministers.pmc.gov.au/gallagher/2024/super-boost-new-parents#:%7E:text=It%20means%20that%20eligible%20parents,to%20their%20nominated%20superannuation%20fund.">recently</a> agreed by the federal government. But we need an <a href="https://www.unsw.edu.au/newsroom/news/2015/04/carers-deserve-more-credit-in-the-retirement-incomes-debate">equivalent</a> for other kinds of unpaid carers. Even so, as long as care continues to circulate between different groups of women – older women, low paid women – and as long as care isn’t valued for the large social and economic contribution it makes, the gender super gap will persist. To close the persistent gender gap, we need to go further, encouraging greater men’s involvement in care, and providing better recognition and remuneration of unpaid and paid care. <hr /> This article is part of The Conversation’s retirement series, in which experts examine issues including how much money we need to retire, retiring with debt, the psychological impact of retiring and the benefits of getting financial advice. Read the rest of the series <a href="https://theconversation.com/au/topics/retirement-series-2024-168372">here</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/240323/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/myra-hamilton-8638">Myra Hamilton</a>, Associate Professor, gender, ageing and care, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/being-carers-costs-women-more-than-500-000-over-a-lifetime-leaving-them-with-less-in-retirement-than-men-240323">original article</a>. </div>

Money & Banking

Dancing with the Stars 2025 cast revealed

The full cast for the upcoming season of Dancing with the Stars has been revealed. The highly-anticipated announcement comes after weeks of speculation on who would be joining the show, after a few select names had already been confirmed. Rebecca Gibney was the first celebrity to announce she would be joining the cast, after admitting to turning down many reality TV offers in years past, but accepting the Dancing with the Stars invitation just after her 60th birthday. "I want to say yes more than no," she said. "I want to do things that frighten and challenge me, and hopefully that will give me a little bit extra longevity." Channel Seven's Chief Content Officer Brook Hall says that the show has been chasing Gibney for some time, telling <a href="https://tvtonight.com.au/2025/02/rebecca-gibney-joins-dancing-with-the-stars.html" target="_blank" rel="noopener">TV Tonight</a>, "She's probably been asked like 52 times. It must be a timing thing." "To grab some of the names we've got is a big relief," he continued. Joining the show alongside Gibney will be podcast and radio host Brittany Hockley, comedian Felicity Ward, Olympic boxer Harry Garside, 7News presenter Karina Carvalho, Home and Away star Kyle Shilling, influencer and model Mia Fevola, 7News presenter Michael Usher, TV host Osher Günsberg, TV host and comedian Shaun Micallef, Olympic legend Susie O’Neill and AFL champion Trent Cotchin. Sonia Kruger and Dr Chris Brown return as hosts, alongside judges Craig Revel Horwood, Sharna Burgess, Helen Richey, and Mark Wilson. Filming of the show is set to kick off next month, and will air on Channel Seven later this year. Image credits: Sunrise / Seven

Most retirees who rent live in poverty. Here’s how boosting rent assistance could help lift them out of it

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/brendan-coates-154644">Brendan Coates</a>, <a href="https://theconversation.com/institutions/grattan-institute-1168">Grattan Institute</a>; <a href="https://theconversation.com/profiles/joey-moloney-1334959">Joey Moloney</a>, <a href="https://theconversation.com/institutions/grattan-institute-1168">Grattan Institute</a>, and <a href="https://theconversation.com/profiles/matthew-bowes-2316740">Matthew Bowes</a>, <a href="https://theconversation.com/institutions/grattan-institute-1168">Grattan Institute</a> Most Australians can look forward to a comfortable retirement. More than three in four retirees own their own home, most report feeling comfortable financially, and few suffer financial stress. But our new Grattan Institute <a href="https://grattan.edu.au/report/renting-in-retirement-why-rent-assistance-needs-to-rise/">report</a> paints a sobering picture for one group: retirees who rent in the private market. Two-thirds of this group live in poverty, including more than three in four single women who live alone. <hr /> <iframe id="x2VND" class="tc-infographic-datawrapper" style="border: 0;" src="https://datawrapper.dwcdn.net/x2VND/" width="100%" height="400px" frameborder="0" scrolling="no"></iframe> <hr /> Retirees who rent often have little in the way of retirement savings: more than half have less than A$25,000 stashed away. And a growing number of older Australians are at risk of becoming homeless. But our research also shows just how much we’d need to boost Commonwealth Rent Assistance to make housing more affordable and ensure all renters are able to retire with dignity. <h2>Today’s renters, tomorrow’s renting retirees</h2> Home ownership is falling among poorer Australians who are approaching retirement. Between 1981 and 2021, home ownership rates among the poorest 40% of 45–54-year-olds fell from 68% to just 54%. Today’s low-income renters are tomorrow’s renting retirees. Age pensioners need at least $40,000 in savings to afford to spend $350 a week in rent, together with the <a href="https://www.servicesaustralia.gov.au/age-pension">Age Pension</a> and <a href="https://www.servicesaustralia.gov.au/rent-assistance">Rent Assistance</a>. That’s enough to afford the cheapest 25% of one-bedroom homes in capital cities. But Australians who are renting as they approach retirement tend to have little in the way of retirement savings. 40% of renting households aged 55-64 have net financial wealth less than $40,000. <h2>Rent assistance is too low</h2> Our <a href="https://grattan.edu.au/report/renting-in-retirement-why-rent-assistance-needs-to-rise/">research</a> shows that Commonwealth Rent Assistance, which supplements the Age Pension for poorer retirees who rent, is inadequate. The federal government has <a href="https://ministers.treasury.gov.au/ministers/jim-chalmers-2022/speeches/budget-speech-2024-25">lifted the maximum rate of Rent Assistance</a> by 27% – over and above inflation – in the past two budgets. But the payment remains too low. A typical single retiree needs at least $379 per week to afford essential non-housing costs such as food, transport and energy. But we found a single pensioner who relies solely on income support can afford to rent just 4% of one-bedroom homes in Sydney, 13% in Brisbane, and 14% in Melbourne, after covering these basic living expenses. With Rent Assistance indexed to inflation, rather than low-income earners’ housing costs, the maximum rate of the payment has increased by 136% since 2001, while the rents paid by recipients have increased by 193%. <h2>A boost is needed</h2> Our analysis suggests that to solve this problem, the federal government should increase the maximum rate of Rent Assistance by 50% for singles and 40% for couples. The payment should also be indexed to changes in rents for the cheapest 25% of homes in our capital cities. These increases would boost the maximum rate of Rent Assistance by $53 a week ($2,750 a year) for singles, and $40 a week ($2,080 a year) for couples. This would ensure single retirees could afford to spend $350 a week on rent, enough to rent the cheapest 25% of one-bedroom homes across Australian capital cities, while still affording other essentials. Similarly, retired couples would be able to afford to spend $390 a week on rent, enough to rent the cheapest 25% of all one- and two-bedroom homes. <hr /> <iframe id="EZBuw" class="tc-infographic-datawrapper" style="border: 0;" src="https://datawrapper.dwcdn.net/EZBuw/" width="100%" height="400px" frameborder="0" scrolling="no"></iframe> <hr /> <h2>Unlikely to push up rents</h2> One common concern is that increasing Rent Assistance will just lead landlords to hike rents. But we find little evidence that this is the case. International studies suggest that more than five in six dollars of any extra Rent Assistance paid would benefit renters, rather than landlords. <hr /> <iframe id="qGxQE" class="tc-infographic-datawrapper" style="border: 0;" src="https://datawrapper.dwcdn.net/qGxQE/" width="100%" height="400px" frameborder="0" scrolling="no"></iframe> <hr /> In Australia, there’s little evidence that recent increases in Rent Assistance have pushed up rents. Our analysis of NSW rental bond lodgement data suggests areas with higher concentrations of Rent Assistance recipients did not see larger rent increases in the year after the payment was boosted. That’s not surprising. Rent Assistance is paid to tenants, not landlords, which means tenants are likely to spend only a small portion of any extra income on housing. Since rates of financial stress are even higher among younger renters, we propose that any increase to Rent Assistance should also apply to working-age households. Boosting Rent Assistance for all recipients would cost about $2 billion a year, with about $500 million of this going to retirees. These increases could be paid for by further <a href="https://grattan.edu.au/report/super-savings-practical-policies-for-fairer-superannuation-and-a-stronger-budget/">tightening superannuation tax breaks</a>, <a href="https://grattan.edu.au/report/housing-affordability-re-imagining-the-australian-dream/">curbing negative gearing and halving the capital gains tax discount</a>, or counting more of the value of the family home in the Age Pension assets 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/249134/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/brendan-coates-154644">Brendan Coates</a>, Program Director, Housing and Economic Security, <a href="https://theconversation.com/institutions/grattan-institute-1168">Grattan Institute</a>; <a href="https://theconversation.com/profiles/joey-moloney-1334959">Joey Moloney</a>, Deputy Program Director, Housing and Economic Security, <a href="https://theconversation.com/institutions/grattan-institute-1168">Grattan Institute</a>, and <a href="https://theconversation.com/profiles/matthew-bowes-2316740">Matthew Bowes</a>, Associate, Housing and Economic Security, <a href="https://theconversation.com/institutions/grattan-institute-1168">Grattan Institute</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/most-retirees-who-rent-live-in-poverty-heres-how-boosting-rent-assistance-could-help-lift-them-out-of-it-249134">original article</a>. </div>

Money & Banking

Man reveals what it's like to spend 25 years at sea

Mario Salcedo has mastered life at sea, living on cruise ships for 25 years and completing his 1,000th voyage with Royal Caribbean. Salcedo, also known as "Super Mario" in cruise circles revealed that he spends around $101,000 on on cruises per year for a cabin with a balcony. The senior funds his ocean-bound lifestyle through investment management work. His loyalty to Royal Caribbean has earned him some recognition among the crew, with some ships creating makeshift offices for him on deck, complete with cordoned-off tables, chairs and signs reading "Super Mario's Office". Salcedo spoke about his love for cruising in an interview with allthingscruise.com. "Cruising never gets old," he began. "I'm so used to being on ships that it feels more comfortable to me than being on land." The full-time cruiser began his life at sea after "tiring of the suit-and-tie business world and the long flights to international clients." The Cuban-born businessman went on his first cruise in 1997 and became hooked since then. In 2000 he began living on Royal Caribbean ships, spending only a few days per year on land, and taking a short 15 month break during the Covid pandemic. Salcedo said he spends about five hours a day working and "has fun" for the rest of it. "It's zero stress," he said. "The best lifestyle I can find." Image: Wayleebird / Shutterstock.com

International Travel

Does ‘made with love’ sell? Research reveals who values handmade products the most

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/tuba-degirmenci-2291455">Tuba Degirmenci</a>, <a href="https://theconversation.com/institutions/queensland-university-of-technology-847">Queensland University of Technology</a>; <a href="https://theconversation.com/profiles/frank-mathmann-703900">Frank Mathmann</a>, <a href="https://theconversation.com/institutions/queensland-university-of-technology-847">Queensland University of Technology</a>, and <a href="https://theconversation.com/profiles/gary-mortimer-1322">Gary Mortimer</a>, <a href="https://theconversation.com/institutions/queensland-university-of-technology-847">Queensland University of Technology</a> We’ve all seen the marketing message “handmade with love”. It’s designed to tug at our heartstrings, suggesting extra care and affection went into crafting a product. As Valentine’s Day approaches, many businesses will ramp up such messaging in their advertising. Handmade gifts are often cast as more thoughtful, special options than their mass-produced, machine-made alternatives. But does “love” actually sell? Our new <a href="https://onlinelibrary.wiley.com/doi/10.1002/cb.2455">research</a>, published in the Journal of Consumer Behaviour, reveals not everyone feels the same way about these labels. Why do some people feel handmade products are made with love, while others don’t really care? We found it’s all about how they approach purchase decisions. <h2>A deeper, human connection</h2> Why do businesses market products as handmade? Previous research has shown handmade labels can lead to higher positive emotions. This tendency is known as the “<a href="https://journals.sagepub.com/doi/abs/10.1509/jm.14.0018">handmade effect</a>”. In a world of seemingly perfect and polished products, <a href="https://www.emerald.com/insight/content/doi/10.1108/09590551211267593/full/html">research</a> shows consumers increasingly prefer human (as opposed to machine) interactions, including in their shopping experiences. It’s also been shown that giving handmade gifts can <a href="https://link.springer.com/article/10.1007/s11002-024-09722-w">promote social relationships</a>. We often associated handmade products with smaller “cottage” retailers. But many major global retailers – including <a href="https://www.amazon.com/b?ie=UTF8&node=120955898011">Amazon</a> and <a href="https://www.ikea.com/au/en/new/handcrafted-textiles-for-a-better-future-pub6fc26570/">IKEA</a> – have strategically introduced handmade products, aiming to connect on a deeper emotional level with their consumers. Our research found not all consumers respond in the same way to these marketing messages. <figure><iframe src="https://www.youtube.com/embed/kYn-xUjv_qs?wmode=transparent&start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe><figcaption>IKEA has previously run a dedicated handmade marketing campaign.</figcaption></figure> <h2>Who cares about love?</h2> Across two studies, we found that the response to marketing products as “handmade” depends on a consumer’s locomotion orientation – put simply, how they approach decisions and other actions. <a href="https://www.sciencedirect.com/science/article/abs/pii/S0022435917300155">Low-locomotion individuals</a> take things more slowly. They take their time and can thoroughly consider their purchase decisions. Think of them as the “mindful”. In contrast, high-locomotion individuals are “doers”. They like to get things done quickly without getting stuck in the details. They are the “grab-and-go” shopper. When the way they perform an action – such as making a purchase – matches their fast-paced mindset, something remarkable happens: they experience what’s called “<a href="https://myscp.onlinelibrary.wiley.com/doi/full/10.1002/jcpy.1317">regulatory fit</a>”. This fit boosts their emotions and engagement. <h2>Our first study</h2> In our first study, participants imagined buying a gift for a loved one. They were split into three groups and presented with a photo of the same mug. One group was informed that the mug was “handmade”, one group informed it was “machine-made”, and the last group was not offered any “production cue”. We also asked and measured how much “love” they felt the mug contained – and how much they would pay for it. The handmade mug evoked more love and led to a higher willingness to pay – but only for those with a “low-locomotion” orientation. High-locomotion individuals didn’t react in the same way. For these “doers”, the backstory of how the mug had been made wasn’t as important as just getting a product they needed. For the “doers”, the benefits of marketing the mug as handmade actually backfired. They felt more love for the mug if it had no label at all. <h2>Our second study</h2> By communicating with consumers on social media, marketers can trigger a mindset called “regulatory locomotion mode”. Put simply, this is the mode where we take action and make progress toward goals. Marketers can do this by using <a href="https://psycnet.apa.org/doiLanding?doi=10.1037%2F0022-3514.79.5.793">locomotion-activating</a> words such as “move” and “go” to encourage active decision-making. To borrow one famous example from Nike: “<a href="https://psycnet.apa.org/doiLanding?doi=10.1037%2F0022-3514.79.5.793">Just Do It</a>”. Our second study examined the marketer-generated content of over 9,000 Facebook posts from the verified <a href="https://www.facebook.com/Etsy">Etsy</a> Facebook page. We analysed how locomotion-activating words in social media posts for handmade products influence consumer engagement. In other words, we wanted to understand how these words affected social media engagement with the potential consumers reading them, particularly in terms of social media shares. We found the higher an individual’s locomotion orientation was, the fewer social media “shares” for handmade products occurred. <h2>So, does handmade really matter?</h2> As we get closer to Valentine’s Day, understanding these differences can help retailers tailor their marketing strategies. For “mindful” customers, retailers should highlight the story of the craftsmanship, care, and love behind a handmade product for Valentine’s Day. Use emotional language such as “made with love”. But be aware this mightn’t work on everyone. For a customer base of “doers”, keep it simple, leaving out unnecessary details about production methods. There are a range of <a href="https://marketingplatform.google.com/about/">website analytical tools</a> that can help retailers identify how their customers approach their purchase decision-making. Do they browse quickly, hopping from one product to the next, opting for “<a href="https://www.business.com/articles/one-click-purchasing-how-click-to-buy-is-revolutionizing-ecommerce/">one-click</a>” purchasing? Or do they take their time, browsing slowly and considering their product selection? Personalised marketing messages can then be crafted to emphasise the aspects – love or efficiency – that matter most to each group. The key lies in knowing who you’re speaking to.<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/247351/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/tuba-degirmenci-2291455">Tuba Degirmenci</a>, PhD Candidate School of Advertising, Marketing and Public Relations, <a href="https://theconversation.com/institutions/queensland-university-of-technology-847">Queensland University of Technology</a>; <a href="https://theconversation.com/profiles/frank-mathmann-703900">Frank Mathmann</a>, Lecturer (Assistant Professor), <a href="https://theconversation.com/institutions/queensland-university-of-technology-847">Queensland University of Technology</a>, and <a href="https://theconversation.com/profiles/gary-mortimer-1322">Gary Mortimer</a>, Professor of Marketing and Consumer Behaviour, <a href="https://theconversation.com/institutions/queensland-university-of-technology-847">Queensland 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/does-made-with-love-sell-research-reveals-who-values-handmade-products-the-most-247351">original article</a>. </div>

Money & Banking

Research suggests those who use buy-now-pay-later services end up spending more

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/ashish-kumar-1056067">Ashish Kumar</a>, <a href="https://theconversation.com/institutions/rmit-university-1063">RMIT University</a> Once, borrowing money to make a purchase was a relatively tedious process, not a spur-of-the-moment thing. True, some stores offered lay-by plans that would let you pay for goods in instalments. But if they didn’t, and you didn’t already have a credit card, you’d have to go to a bank and apply for one. That would mean providing a range of supporting documents, negotiating an appropriate credit limit, and waiting for approval. It’s unlikely you’d apply for credit just for a single, small purchase. In recent years, though, the financial technology or “fintech” revolution in the customer credit market has changed all that, with the meteoric rise of buy-now-pay-later (BNPL) services. BNPL credit allows consumers to split their purchases into smaller, interest-free instalments. It is often directly integrated into online checkouts with fast approval, making it easy to purchase something instantly and spread the cost over coming months. There are some obvious risks. Many BNPL providers charge less visible fees, such as late payment fees and account maintenance fees. In many countries, the BNPL sector is also less regulated than traditional credit. But does it also change our spending habits? Our recent <a href="https://doi.org/10.1016/j.jretai.2024.09.004">research</a> uncovered a concerning insight: consumers who use BNPL services end up spending more money online than those who don’t. This effect is particularly strong among younger shoppers and those with lower incomes. <h2>Our research</h2> We <a href="https://doi.org/10.1016/j.jretai.2024.09.004">analysed</a> data from an online retailer in the Nordic region that offered customers three payment options for online purchases: card, pay on delivery and BNPL. We found that consumers who used BNPL spent an average of 6.42% more than those who didn’t. This increase was particularly noticeable for low-ticket items, suggesting that BNPL may encourage customers to buy more when shopping for smaller, everyday things. Why might this be the case? For one, BPNL spending is constrained by the size of the loans on offer. In the US, the average BNPL loan amount is <a href="https://files.consumerfinance.gov/f/documents/cfpb_consumer-use-of-buy-now-pay-later_2023-03.pdf">US$135</a> (A$217). It may also be related to what’s known in economics as the “<a href="https://www.theguardian.com/business/2008/dec/22/recession-cosmetics-lipstick">lipstick effect</a>”, where customers under financial strain tend to reduce spending on big-ticket items in favour of lower-priced luxuries. Selling such low-ticket items doesn’t always give online retailers the biggest profit margins. But it can play a crucial role in acquiring and retaining customers, and creating opportunities to upsell. Our research also showed that younger, lower-income customers were more likely to spend more when using BNPL services, likely because it provides them with additional “liquidity” – access to cash. <h2>Why might they be spending more?</h2> It’s easy to see why so many consumers like BNPL. Some even think of it as more of a way of payment than a form of credit. The core feature of such services - offering interest-free instalment payments for online purchases - has a significant psychological impact on customers. It leverages the principle that the perceived benefit of spending in the present outweighs the displeasure associated with future payments. This behaviour aligns with theories of “hyperbolic discounting” – our preference for smaller immediate rewards over larger later ones – and the related “<a href="https://www.behavioraleconomics.com/resources/mini-encyclopedia-of-be/present-bias/">present bias</a>” phenomenon. Our results also suggest customers with high category experience – that is, more familiar with the larger product categories carried by a retailer – and those more sensitive to deals and promotions are likely to spend more when online retailers provide BNPL as a payment option. <h2>A growing influence on spending</h2> The economic impact of BNPL is substantial in the countries that have pioneered its adoption. In Australia, birthplace of Afterpay, Zip, Openpay, and Latitude, it’s <a href="https://www.oxfordeconomics.com/wp-content/uploads/2022/10/AFIA_BNPL_Research_Report-1.pdf">estimated</a> that (allowing for flow-on effects) BNPL services contributed A$14.3 billion to gross domestic product (GDP) in the 2021 financial year. Industry research firm Juniper Research <a href="https://www.juniperresearch.com/press/pressreleasesbuy-now-pay-later-users-to-exceed-670-million-globally/">projects</a> the number of BNPL users will exceed 670 million globally by 2028, an increase of more than 100% on current levels. Substantial projected growth in the sector is attributed to multiple factors. These include increasing e-commerce usage, economic pressures, the flexibility of payment options and widespread adoption by merchants. <h2>Buyer, beware</h2> BNPL services can be a convenient way to pay for online purchases. But it’s important to use them responsibly. That means understanding the potential risks and benefits to make your own informed decisions. Be mindful of your spending. Don’t let the allure of easy payments let you get carried away. Customers should explore beyond the marketing tactics of interest-free split payments and pay close attention to terms and conditions, including any fees and penalties. They should treat BNPL like any other form of credit. Whether you’re a shopper considering using BNPL or a business thinking about offering it, our research highlights that it may have the power to significantly influence spending patterns – for better or worse.<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/246686/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/ashish-kumar-1056067">Ashish Kumar</a>, Senior Lecturer, <a href="https://theconversation.com/institutions/rmit-university-1063">RMIT 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/research-suggests-those-who-use-buy-now-pay-later-services-end-up-spending-more-246686">original article</a>. </div>

Money & Banking

Women spend more of their money on health care than men. And no, it’s not just about 'women’s issues'

<div class="theconversation-article-body"> <a href="https://theconversation.com/profiles/mike-armour-391382">Mike Armour</a>, <a href="https://theconversation.com/institutions/western-sydney-university-1092">Western Sydney University</a>; <a href="https://theconversation.com/profiles/amelia-mardon-1505419">Amelia Mardon</a>, <a href="https://theconversation.com/institutions/western-sydney-university-1092">Western Sydney University</a>; <a href="https://theconversation.com/profiles/danielle-howe-1492317">Danielle Howe</a>, <a href="https://theconversation.com/institutions/western-sydney-university-1092">Western Sydney University</a>; <a href="https://theconversation.com/profiles/hannah-adler-1533549">Hannah Adler</a>, <a href="https://theconversation.com/institutions/griffith-university-828">Griffith University</a>, and <a href="https://theconversation.com/profiles/michelle-oshea-457947">Michelle O'Shea</a>, <a href="https://theconversation.com/institutions/western-sydney-university-1092">Western Sydney University</a> Medicare, Australia’s <a href="https://www.health.gov.au/topics/medicare?language=und">universal health insurance scheme</a>, guarantees all Australians access to a wide range of health and hospital services at low or no cost. Although access to the scheme is universal across Australia (regardless of geographic location or socioeconomic status), one analysis suggests <a href="https://grattan.edu.au/news/healthcare-out-of-pocket-costs-an-agenda-for-international-womens-day/">women often spend more</a> out-of-pocket on health services than men. Other research has found men and women spend similar amounts on health care overall, or even that men spend <a href="https://www.publish.csiro.au/ah/pdf/AH18191">a little more</a>. However, it’s clear women spend a <a href="https://www.publish.csiro.au/ah/pdf/AH18191">greater proportion of their overall expenditure</a> on health care than men. They’re also more likely to <a href="https://grattan.edu.au/news/healthcare-out-of-pocket-costs-an-agenda-for-international-womens-day/">skip or delay medical care</a> due to the cost. So why do women often spend more of their money on health care, and how can we address this gap? <h2>Women have more chronic diseases, and access more services</h2> Women are <a href="https://www.abs.gov.au/statistics/health/health-conditions-and-risks/health-conditions-prevalence/latest-release">more likely</a> to have a chronic health condition compared to men. They’re also more likely to report having multiple chronic conditions. While men generally die earlier, women are more likely to spend more of their life <a href="https://www.thelancet.com/journals/lanpub/article/PIIS2468-2667(24)00053-7/fulltext">living with disease</a>. There are also some conditions which affect women more than men, such as <a href="https://theconversation.com/how-biological-differences-between-men-and-women-alter-immune-responses-and-affect-womens-health-208802">autoimmune conditions</a> (for example, multiple sclerosis and rheumatoid arthritis). Further, medical treatments can sometimes be <a href="https://aci.health.nsw.gov.au/__data/assets/pdf_file/0007/967984/CIU-Evidence-Brief-Gender-disparity-and-gender-equality-measures-in-health.pdf">less effective for women</a> due to a focus on men in medical research. These disparities are likely significant in understanding why women <a href="https://grattan.edu.au/news/healthcare-out-of-pocket-costs-an-agenda-for-international-womens-day/">access health services</a> more than men. For example, <a href="https://www.aihw.gov.au/reports/men-women/female-health/contents/access-health-care">88% of women</a> saw a GP in 2021–22 compared to <a href="https://www.aihw.gov.au/reports/men-women/male-health/contents/access-health-care">79% of men</a>. As the number of GPs <a href="https://practices.hotdoc.com.au/blog/the-decline-of-bulk-billing-and-its-impact-on-general-practice-in-australia/#:%7E:text=The%20Medicare%20rebate%20for%20patients,to%20ensure%20their%20financial%20sustainability.">offering bulk billing</a> continues to decline, women are likely to need to pay more out-of-pocket, because they <a href="https://www.aihw.gov.au/getmedia/32ea8a7f-50d5-4047-b70b-92dd63d387b8/aihw-phe239-240-factsheet.pdf.aspx">see a GP more often</a>. In 2020–21, <a href="https://www.aihw.gov.au/reports/men-women/female-health/contents/access-health-care">4.3% of women</a> said they had delayed seeing a GP due to cost at least once in the previous 12 months, compared to <a href="https://www.aihw.gov.au/reports/men-women/male-health/contents/access-health-care">2.7% of men</a>. Data from the <a href="https://www.abs.gov.au/statistics/health/health-services/patient-experiences/2020-21">Australian Bureau of Statistics</a> has also shown women are more likely to delay or avoid seeing a mental health professional due to cost. Women are also more likely to need prescription medications, owing at least partly to their increased rates of chronic conditions. This adds further out-of-pocket costs. In 2020–21, <a href="https://grattan.edu.au/news/healthcare-out-of-pocket-costs-an-agenda-for-international-womens-day/">62% of women</a> received a prescription, compared to 37% of men. In the same period, <a href="https://www.aihw.gov.au/reports/men-women/female-health/contents/access-health-care">6.1% of women</a> delayed getting, or did not get prescribed medication because of the cost, compared to <a href="https://www.aihw.gov.au/reports/men-women/male-health/contents/access-health-care">4.9% of men</a>. <h2>Reproductive health conditions</h2> While women are disproportionately affected by chronic health conditions throughout their lifespan, much of the disparity in health-care needs is concentrated between the first period and menopause. Almost <a href="https://www.jeanhailes.org.au/news/impact-of-pelvic-pain-vastly-underestimated">half of women</a> aged over 18 report having experienced chronic pelvic pain in the previous five years. This can be caused by conditions such as endometriosis, dysmenorrhoea (period pain), vulvodynia (vulva pain), and bladder pain. <a href="https://www.aihw.gov.au/news-media/media-releases/2023/2023-september/1-in-7-australian-women-aged-44-49-have-endometriosis">One in seven women</a> will have a diagnosis of endometriosis by age 49. Meanwhile, a quarter of all women aged 45–64 <a href="https://www.jeanhailes.org.au/research/womens-health-survey/menopause-in-australian-women">report symptoms</a> related to menopause that are significant enough to disrupt their daily life. All of these conditions can significantly reduce quality of life and increase the need to seek health care, sometimes including surgical treatment. Of course, conditions like endometriosis don’t just affect women. They also impact <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC10501128/">trans men</a>, intersex people, and those who are gender diverse. <h2>Diagnosis can be costly</h2> Women often have to wait <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC9518795/">longer to get a diagnosis</a> for chronic conditions. One <a href="https://www.medrxiv.org/content/10.1101/2023.10.12.23296976v2.full-text">preprint study</a> found women wait an average of 134 days (around 4.5 months) longer than men for a diagnosis of a long-term chronic disease. Delays in diagnosis often result in <a href="https://pubmed.ncbi.nlm.nih.gov/33004965/">needing to see more doctors</a>, again increasing the costs. Despite affecting about as many people as diabetes, it takes an average of between <a href="https://pubmed.ncbi.nlm.nih.gov/33050751/">six-and-a-half</a> to <a href="https://pubmed.ncbi.nlm.nih.gov/33004965/">eight years</a> to diagnose endometriosis in Australia. This can be attributed to a <a href="https://pubmed.ncbi.nlm.nih.gov/35928674/">number of factors</a> including society’s normalisation of women’s pain, poor knowledge about endometriosis among some health professionals, and the lack of affordable, non-invasive methods to accurately diagnose the condition. There have been recent improvements, with the introduction of <a href="https://www.health.gov.au/ministers/the-hon-mark-butler-mp/media/historic-medicare-changes-for-women-battling-endometriosis#:%7E:text=In%20addition%20to%20the%20specialised,with%20complex%20histories%20and%20symptoms.">Medicare rebates for longer GP consultations</a> of up to 60 minutes. While this is not only for women, this extra time will be valuable in diagnosing and managing complex conditions. But gender inequality issues still exist in the Medicare Benefits Schedule. For example, both pelvic and breast ultrasound rebates are <a href="https://womensagenda.com.au/latest/the-gender-medicare-gap-is-seeing-women-pay-more-for-ultrasounds-and-other-health-services/">less than a scan for the scrotum</a>, and <a href="https://www.endozone.com.au/treatment/MRI">no rebate</a> exists for the MRI investigation of a woman’s pelvic pain. <h2>Management can be expensive too</h2> Many chronic conditions, <a href="https://www.tandfonline.com/doi/full/10.1080/0167482X.2020.1825374?casa_token=yIlFZg_vJxsAAAAA%3ALwSa5DBMoDDWTiZsU1FC0MLLXkDd_eWBrGa2gr8b6NeRevp4ynlsTD_IMMYV_ek766j2P5C-B4Qy#d1e167">such as endometriosis</a>, which has a wide range of symptoms but no cure, can be very hard to manage. People with endometriosis often use allied health and <a href="https://onlinelibrary.wiley.com/doi/abs/10.1111/imj.15494?casa_token=1sc4ZMGvDjIAAAAA%3AIrIY2B-RNVDDnUPMSsHI4axnBiTv-omNDHGlNSpsrm_qbMGY9iQ4htIyco5mj-Qhd7krsp7rfHtcbQ">complementary medicine</a> to help with symptoms. On average, women are more likely than men to use both <a href="https://www.racgp.org.au/afp/2017/may/patterns-of-complementary-and-alternative-medi-2">complementary therapies</a> and <a href="https://www.aihw.gov.au/reports/primary-health-care/general-practice-allied-health-primary-care">allied health</a>. While women with chronic conditions can access a <a href="https://www.servicesaustralia.gov.au/chronic-disease-management-plan?context=20">chronic disease management plan</a>, which provides Medicare-subsidised visits to a range of allied health services (for example, physiotherapist, psychologist, dietitian), this plan only subsidises five sessions per calendar year. And the reimbursement is <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC9346321/">usually around 50% or less</a>, so there are still significant out-of-pocket costs. In the case of chronic pelvic pain, the cost of accessing allied or complementary health services has been found to average <a href="https://link.springer.com/article/10.1186/s12905-022-01618-z">A$480.32 across a two-month period</a> (across both those who have a chronic disease management plan and those who don’t). <h2>More spending, less saving</h2> Womens’ health-care needs can also perpetuate financial strain beyond direct health-care costs. For example, <a href="https://www.ncbi.nlm.nih.gov/pubmed/31600241">women with endometriosis</a> and chronic pelvic pain are often caught in a cycle of needing time off from work to attend medical appointments. Our <a href="https://www.researchsquare.com/article/rs-5480104/v1">preliminary research</a> has shown these repeated requests, combined with the common dismissal of symptoms associated with pelvic pain, means women sometimes face discrimination at work. This can lead to lack of career progression, underemployment, and premature retirement. Similarly, with <a href="https://www.superannuation.asn.au/wp-content/uploads/2024/03/ASFAResearch_ImpactofMenopauseOnRetirement_080324.pdf">160,000 women</a> entering menopause each year in Australia (and this number expected to increase with population growth), the <a href="https://www.aph.gov.au/Parliamentary_Business/Committees/Senate/Community_Affairs/Menopause/Report/Chapter_3_-_Impact_on_work_and_the_economic_consequences_of_menopause#:%7E:text=3.1This%20chapter%20explores%20the,on%20partners%20or%20family%20members.">financial impacts</a> are substantial. As many as <a href="https://www.superannuation.asn.au/wp-content/uploads/2024/03/ASFAResearch_ImpactofMenopauseOnRetirement_080324.pdf">one in four women</a> may either shift to part-time work, take time out of the workforce, or retire early due to menopause, therefore earning less and paying less into their super. <h2>How can we close this gap?</h2> Even though women are more prone to chronic conditions, until relatively recently, much of medical research has been <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC8812498/">done on men</a>. We’re only now beginning to realise important differences in how men and women experience certain conditions (such as <a href="https://www.annualreviews.org/content/journals/10.1146/annurev-neuro-092820-105941">chronic pain</a>). Investing in women’s health research will be important to improve treatments so women are less burdened by chronic conditions. In the 2024–25 federal budget, the government committed $160 million towards <a href="https://www.health.gov.au/ministers/the-hon-ged-kearney-mp/media/reforming-the-health-system-to-improve-sexual-and-reproductive-care">a women’s health package</a> to tackle gender bias in the health system (including cost disparities), upskill medical professionals, and improve sexual and reproductive care. While this reform is welcome, continued, long-term investment into women’s health is crucial.<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/243797/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/mike-armour-391382">Mike Armour</a>, Associate Professor at NICM Health Research Institute, <a href="https://theconversation.com/institutions/western-sydney-university-1092">Western Sydney University</a>; <a href="https://theconversation.com/profiles/amelia-mardon-1505419">Amelia Mardon</a>, Postdoctoral Research Fellow in Reproductive Health, <a href="https://theconversation.com/institutions/western-sydney-university-1092">Western Sydney University</a>; <a href="https://theconversation.com/profiles/danielle-howe-1492317">Danielle Howe</a>, PhD Candidate, NICM Health Research Institute, <a href="https://theconversation.com/institutions/western-sydney-university-1092">Western Sydney University</a>; <a href="https://theconversation.com/profiles/hannah-adler-1533549">Hannah Adler</a>, PhD Candidate, Health Communication and Health Sociology, <a href="https://theconversation.com/institutions/griffith-university-828">Griffith University</a>, and <a href="https://theconversation.com/profiles/michelle-oshea-457947">Michelle O'Shea</a>, Senior Lecturer, School of Business, <a href="https://theconversation.com/institutions/western-sydney-university-1092">Western Sydney 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/women-spend-more-of-their-money-on-health-care-than-men-and-no-its-not-just-about-womens-issues-243797">original article</a>. </div>

Caring

Up to 40% of bushfires in parts of Australia are deliberately lit. But we’re not doing enough to prevent them

<div class="theconversation-article-body"> <a href="https://theconversation.com/profiles/nichola-tyler-938790">Nichola Tyler</a>, <a href="https://theconversation.com/institutions/swinburne-university-of-technology-767">Swinburne University of Technology</a> and <a href="https://theconversation.com/profiles/troy-mcewan-116967">Troy McEwan</a>, <a href="https://theconversation.com/institutions/swinburne-university-of-technology-767">Swinburne University of Technology</a> A recent bushfire in Kadnook, western Victoria, which destroyed at least one property and burned more than 1,000 hectares of land, is being investigated due to <a href="https://www.abc.net.au/news/2024-11-19/arson-chemists-investigate-blaze-that-destroyed-home/104621628">suspicion it was deliberately lit</a>. This is not an isolated example. About 28% of bushfires in south-east Australia are <a href="https://www.publish.csiro.au/wf/wf15054">deliberately lit</a>. The figure rises to 40% if we’re only talking about fires with a known cause. These figures are consistent with <a href="https://www.sciencedirect.com/science/article/pii/S0048969722074204">international trends</a> and tell us preventing arson and unsafe fire behaviour alone could significantly reduce the number of bushfires. Despite this, prevention of deliberately lit bushfires is mostly absent from emergency, public health and climate action plans. <h2>These fires are devastating</h2> Deliberately lit bushfires can spread rapidly and have devastating consequences. They often occur <a href="https://www.tandfonline.com/doi/full/10.1080/13218719.2011.598633?casa_token=tHnKrSSDFyIAAAAA%3AVKBGpknNEYOUPMI6IPRI3GRgkUQneXo_Edy1NeAaLlpmk1xmvwkrFKzJW20ZDvE23A41rFbBMuIn">on the edge of urban areas</a> close to populated places, where there are both dense vegetation and flammable structures. We see a peak in bushfires during summer when hot temperatures, low rainfall, and dry conditions make fire a more potent threat. Climate change, land management practices, and increased interaction between people and rural areas increase our vulnerability to fire and the risks associated with deliberate fires. The royal commission into Victoria’s devastating Black Saturday fires in 2009 <a href="http://royalcommission.vic.gov.au/finaldocuments/summary/PF/VBRC_Summary_PF.pdf">reported</a> 173 people died and an additional <a href="https://www.cfa.vic.gov.au/about-us/history-major-fires/major-fires/black-saturday-2009">414 were injured</a>. The commission concluded at least three of the 15 fires that caused (or had the potential to cause) the greatest harm were deliberately lit. The commission concluded we need to better understand arson. It recommended research to improve how best to prevent arson and how to detect who’s at risk of offending. Nearly 15 years on from Black Saturday, these recommendations have not been implemented. There is also very limited evidence globally about how to prevent both bushfire arson and deliberately lit fires more broadly (for instance, fires set to structures or vehicles). <h2>Who lights these fires?</h2> We know little about the characteristics and psychology of people who light bushfires or how to intervene to prevent these fires. The little research we have suggests there is no one “profile” or “mindset” associated with deliberately lighting bushfires. But there are some risk factors or <a href="https://www.tandfonline.com/doi/full/10.1080/13218719.2011.598633?casa_token=83sfFv6u7bkAAAAA%3A_nqjVgizI88CsEzoYBzPR-gYqCoMWtNFwcfKw0ZUqp68uJ6Zbk9ZTu7E_oJ7dpL6RGFUv7m7qHBO#d1e341">vulnerabilities</a> we see more commonly in people who light them. These include: <ul> <li> an interest or fascination with fire or fire paraphernalia. This could include an interest in watching fire, or a fascination with matches or the fire service </li> <li> experiences of social isolation, including a lack of friends or intimate relationships </li> <li> increased impulsivity </li> <li> general antisocial behaviour, such as contact with the police, truanting or property damage </li> <li> difficulties managing and expressing emotions </li> <li> problems with being assertive. </li> </ul> However, most people with these vulnerabilities will never light a fire. Research shows <a href="https://journals.sagepub.com/doi/full/10.1177/0004867413492223">rates of mental illness are higher</a> in people who set fires (including schizophrenia, mood and anxiety disorders, personality dysfunction, and substance use disorders). However, mental health symptoms are <a href="https://www.taylorfrancis.com/chapters/edit/10.4324/9781315685960-19/role-mental-disorder-firesetting-behaviour-troy-mcewan-lauren-ducat">rarely a direct cause of firesetting</a>. Instead, they appear to worsen existing vulnerabilities. <h2>Why do people light these fires?</h2> There are many, complex reasons why people light fires. Commonly reported drivers <a href="https://www.aic.gov.au/sites/default/files/2020-05/tandi348.pdf">include</a>: relieving boredom or creating excitement, gaining positive recognition for putting out a fire (they want to be seen as a hero), as a cry for help, or because they’re angry. However, not everyone who lights a fire intends to cause serious damage or harm. In some cases, people may not be aware of the possible consequences of lighting a fire or that the fire may spread into a bushfire. Knowing these kinds of facts about people who light bushfires is important. However, they don’t help us prevent people from lighting fires in the first place. This is because authorities don’t always know who sets the fires. <h2>So how can we prevent this?</h2> First, we can learn more about why people set fires more generally, particularly those who do not attract attention from authorities. Research in the <a href="https://www.sciencedirect.com/science/article/pii/S0010440X0900073X">United States</a>, <a href="https://www.tandfonline.com/doi/full/10.1080/1068316X.2015.1111365">United Kingdom</a> and <a href="https://www.tandfonline.com/doi/full/10.1080/13218719.2024.2346720">New Zealand</a> has started to investigate those who set fires but don’t attract police attention. The aim is to identify ways to prevent people lighting fires in the first place, and support them so they don’t light more. There is almost no research in Australia or internationally into the effects of community awareness, and prevention campaigns or targeted strategies to prevent firesetting, including bushfire arson, in higher risk groups. We know slightly more about interventions to reduce repeat firesetting. <a href="https://www.sciencedirect.com/science/article/pii/S1359178922000246?casa_token=OgEjtCFZfIUAAAAA:Tj-KiUQjvgF1PLR5ZjiHmgWovA83hFT3R6ZyPzWa9F6Gsbje3pJw90AqDqI1pRrvPksTboaJ8w">Fire safety education programs</a> delivered by fire and rescue services show some promise as an early intervention for children and adolescents who have already set a fire, particularly those motivated by curiosity, experimentation, or who are not aware of the consequences. There is also some evidence suggesting <a href="https://www.sciencedirect.com/science/article/pii/S1359178924000351?casa_token=5NtjG6-wIOcAAAAA:95TCYlrBB4dnaqEmd1fnMLmVM6_E8w2n9kCN5aGnIoVr1F1OjfifXULSCnhjWB_GCnStD80_OQ">specialist psychological interventions</a> can be effective in reducing vulnerabilities associated with adult firesetting. Forensic or clinical psychologists typically deliver a combination of cognitive behavioural therapy (a type of talking therapy), skills building (such as building coping skills, emotion and impulse control, and reducing their interest in fire), and fire safety education. However, <a href="https://www.thelancet.com/journals/lanpsy/article/PIIS2215-0366(19)30341-4/fulltext">availability of firesetting interventions is patchy</a> both in Australia and internationally. Interventions that are available are also not always tailored to people with <a href="https://www.tandfonline.com/doi/full/10.1080/13218719.2011.585223#d1e398">complex needs</a>, such as those with significant emotional or behavioural problems or mental health needs. We also don’t know if these interventions lead to a long-term change in behaviour. <h2>Climate change is making this urgent</h2> The continued and escalating effects of climate change makes it more urgent than ever to address the problem of <a href="https://esajournals.onlinelibrary.wiley.com/doi/full/10.1002/fee.2359">deliberate firesetting, including bushfire arson</a>. Failing to address deliberate firesetting will have significant long-term consequences for public health, human life and the environment. But until funding is available for Australian arson research, identifying and helping people who are more likely to set fires will continue to be based on guesswork rather than evidence. As we enter another summer of high fire danger, our failure to fund arson research should be at the forefront of everyone’s minds.<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/243584/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/nichola-tyler-938790">Nichola Tyler</a>, Senior Lecturer in Forensic Psychology, <a href="https://theconversation.com/institutions/swinburne-university-of-technology-767">Swinburne University of Technology</a> and <a href="https://theconversation.com/profiles/troy-mcewan-116967">Troy McEwan</a>, Professor of Clinical and Forensic Psychology, <a href="https://theconversation.com/institutions/swinburne-university-of-technology-767">Swinburne 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/up-to-40-of-bushfires-in-parts-of-australia-are-deliberately-lit-but-were-not-doing-enough-to-prevent-them-243584">original article</a>. </div>

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The 15 best destinations to spend Christmas

While many people love to stay home and celebrate Christmas with family, there are always people who decide to spend their December travelling to experience the festive season around the globe. Especially for those in Australia and New Zealand who are accustomed to scorching temperatures over Christmas, many like to jet set and see what the festive season is like in colder climates. While every country gets into the festive spirit in different ways, there are specific locations that offer a tremendous holiday atmosphere to ensure you’re in the Christmassy mood, no matter where in the world you are. From England to the Philippines, there are 15 destinations that traditionally offer up some of the best holiday experiences for a Christmas-drenched vacation. Unsurprisingly, Santa’s unofficial home of Lapland in Finland is always a hotspot for Christmas travels. Finland takes festive celebrations to the next level, as children here make gingerbread cookies with Mrs. Claus, enroll in Elf School or take a calligraphy class, and compose their Christmas wish lists with a traditional quill. Visitors can also take photos with Santa, go on sled rides with reindeer, and meet baby polar bears in the Ranua Wildlife Park. Check out the entire top 15 list of best Christmas destinations below. 15. New York City, USA 14. Queenstown, New Zealand 13. Strasbourg, France 12. Salzburg and Oberndorf, Austria 11. San Miguel de Allende, Mexico 10. Quebec City, Canada 9. Malta 8. Nuremberg, Germany 7. Nairobi, Kenya 6. Barcelona, Spain 5. San Fernando, Philippines 4. Bath, England 3. Bethlehem, Pennsylvania, USA 2. Bogotá, Colombia 1. Rovaniemi, Lapland, Finland Image credits: Shutterstock

International Travel

5 retirement derailers and how to avoid them

Retirement is often called our “golden years”, the time we can enjoy the fruits of our working lives. Not everything goes to plan, and five particular issues can derail even the best laid retirement plans – regardless of whether they hit before or post retirement. Avoiding the worst effects involves preparing for the worst and hoping for the best. Remember that good retirement planning involves impartial advice to identify risks, and strategies to address them, that you may not have considered. So, check in with your financial adviser, accountant and family lawyer to ensure you have all your bases covered. #1. Relationship breakdowns Separations and divorces see you shift from two incomes to one, joint assets are split (potentially even sold), and acrimonious splits result in costly legal battles. Furthermore, elder abuse affects one in six older Australians, the Australian Institute of Health and Welfare notes. Adult children, siblings and close friends are among the perpetrators. This could involve financial, physical, emotional or other forms of abuse and control. Solution: Maintain financial independence. Not everything has to be shared – it is good to have your own income, savings, superannuation and investments in addition to joint assets. A prenuptial agreement helps by outlining what each partner came into the relationship with. Open communication is crucial, as is active participation in financial decisions – two pairs of eyes are better than one. Keep super beneficiaries updated. I’ve seen people unwittingly gift their ex their super, leaving their current partner with nothing, because these details weren’t updated post-separation. #2. Partner’s premature death Sudden deaths from an accident, illness, natural disaster, crime or other unforeseen cause not only take someone before their time, but can cripple those left behind. This is especially true where the departed was the primary or sole breadwinner, often forcing their partner to retire much later. Solution: Don’t stick your head in the sand. Expect the unexpected and plan accordingly. Life insurance is perhaps the most obvious form of protection here. It can be taken out within your super, so it needn’t touch your everyday finances.Ensure everyone’s wills and estate planning are up-to-date and accessible, saving valuable time to finalise estate transfers and financial access for surviving beneficiaries. #3. Chronic health problem Whether it’s cancer, dementia (especially early on-set), or any other chronic condition, the problem here (over and above your health) is two-fold: healthcare costs suddenly soar, while ability to earn an income ceases – temporarily or permanently. You may even be forced into early retirement, draining your nest egg earlier than planned – doubly so if your partner also must retire to care for you. Solution: Have a plan B. Fallback options are invaluable, such as health insurance to offset medical costs and an emergency fund for paying bills while undergoing treatment. Don’t sell investments unless you absolutely have to – they can generate passive income now while offering longer-term capital growth. #4. Major financial setback Financial setbacks have numerous causes – natural disasters, scams, business failures, investment losses, gambling addictions. However. the results are often the same – financial stress and delayed retirement. Solution: Act quickly. Of course, prevention is best, but not everything is preventable. If you do suffer a major setback, fast and decisive action is crucial – both to stem the losses and put your recovery into action ASAP. See what can be recovered. Banks can put a stop on withdrawals and cards. Revisit protections, such as insurances and back-up plans. Emergency grants and assistance are offered by governments and charities during disasters. Get support – financial setbacks are stressful. Don’t compound the pain by letting your mental and physical health slide. #5. Insecure housing We all know the rental market is tight. It’s even harder for those in retirement: landlords prioritise tenants in paid employment; rents consume a larger share of retirement income than home ownership. Then there are ownership considerations: joint tenants versus tenants in common. If your partner dies, will you automatically inherit ownership or be forced to move? Solution: Do your best to get on the property ladder. That may require some creative thinking. Consider cheaper markets from where you live; entry-level “renovator’s delights” to improve over time; pooling funds to buy jointly with trusted family or friends. Even if you rent out the property, you have the option to move in should you find yourself otherwise homeless. Plus, you have a stable investment over and above your super. Also, consider ongoing maintenance costs and tax implications. Owning or inheriting a property is counterproductive if you can’t afford its upkeep or mortgage repayments. Helen Baker is a licensed Australian financial adviser and author of On Your Own Two Feet: The Essential Guide to Financial Independence for all Women. Helen is among the 1% of financial planners who hold a master’s degree in the field. Proceeds from book sales are donated to charities supporting disadvantaged women and children. Find out more at <a href="http://www.onyourowntwofeet.com.au/">www.onyourowntwofeet.com.au</a> Image credits: Shutterstock

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