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“We are righting the wrongs”: Excavation begins to unearth nearly 800 lost children

<p><em><strong>WARNING: Distressing content</strong></em></p> <p>A tranquil, walled patch of grass in a quiet Irish housing estate is about to expose one of Ireland’s darkest secrets. The site, in the town of Tuam, 220km west of Dublin, is the final resting place for significant quantities of human remains – the victims of a brutal chapter in the nation’s history known as the “mother and baby” home scandal.</p> <p>From 1925 to 1961, Tuam’s mother and baby home, run by the Bon Secours nuns, housed women who became pregnant outside of marriage – and their children, many of whom died in disturbing numbers. The institution was demolished in 1972, but the land lay largely untouched. That will change next month, as excavation teams begin the delicate task of recovering the bodies buried in what is believed to be a disused septic tank.</p> <p>“There are so many babies, children just discarded here,” said Catherine Corless, the local historian whose painstaking research uncovered the mass grave and sparked national reckoning. In 2014, Corless, now 71, produced evidence showing that 796 children, from newborns to age nine, died at the Tuam home. “There are no burial records for the children, no cemetery, no statue, no cross – absolutely nothing,” she said.</p> <p>Despite early investigations and the identification of human remains in underground chambers in 2016 and 2017, it took until 2022 for Ireland’s parliament to pass legislation allowing excavation of the Tuam site. For Corless, it has been a long and painful campaign. “It’s been a fierce battle – when I started this, nobody wanted to listen. At last, we are righting the wrongs,” she said. “I was just begging: take the babies out of this sewage system and give them the decent Christian burial that they were denied.”</p> <p>The mother and baby homes were institutions where unmarried pregnant women were sent, isolated from society and often separated from their babies through forced adoption. A state inquiry revealed that between 1922 and 1998, around 56,000 women and 57,000 children passed through 18 such homes across Ireland. More than 9,000 children died.</p> <p>Anna Corrigan, 70, is among those seeking answers. She only learned in her 50s that her late mother had given birth in Tuam to two boys – John and William – whose fates remain unclear. “They prevaricate, they obfuscate, they make it difficult for people to get to the truth,” Corrigan said. “There are dirty little secrets in Ireland that have to be kept hidden.”</p> <p>For Corrigan and others, the coming excavation is a bittersweet step forward. A specialist team, appointed last year, will search for remains, conduct DNA testing and arrange dignified reburials. “I never thought I’d see the day that we’d get over so many hurdles – push them to finally excavate what I call the ‘pit,’ not a grave,” Corrigan said. “I’m glad it’s starting, but if we can even find and identify a certain amount, it’s not going to give us all closure.”</p> <p>As excavation crews prepare to break the ground that has kept these stories hidden for so long, Ireland faces a fresh confrontation with a painful past – and the opportunity, at last, to honour lives lost in silence.</p> <p><em>Images: Aeon.com</em></p>

Caring

"Love every minute of it’: heartbroken sister’s plea at vigil for Pheobe Bishop

<p>The Bundaberg community grieved together on Monday evening as they mourned the loss of 17-year-old Pheobe Bishop, a bright young life believed to have been tragically cut short.</p> <p>Hundreds gathered in Buss Park for a solemn vigil, the second in as many days, to honour the teenager whose suspected remains were found in dense scrubland near Gin Gin late last week – more than three weeks after she vanished.</p> <p>At the vigil, Pheobe’s older sister Kaylea delivered a tearful message that left many in the crowd wiping their eyes.</p> <p>“I want to tell everybody, as much as your siblings p*** you off and grind your gears – because God, they know how to do that – don’t take them for granted,” she said. “Love every minute of it.”</p> <p>Choking back tears, she added: “I would pay a million dollars to have her walk through the door and punch me on the arm. Don’t take it for granted. Just cherish it. Love the good and the bad. Worship it all. Capture the memories.”</p> <p>The vigil brought together community leaders, friends, family and strangers united by shared sorrow. Music chosen by Pheobe’s family played in the background as people placed candles, flowers and handwritten messages into glass jars.</p> <p>Mayor Helen Blackburn spoke on behalf of the city, reminding those gathered that the vigil was not just about mourning a young life lost, but celebrating how Pheobe had lived.</p> <p>“Her passing has left a silence we all feel deeply,” she said. “But in the midst of this sorrow, something beautiful has happened – we’ve come together, paused our busy lives, set aside our differences and stood side by side.”</p> <p>Pheobe’s mother, Kylie Johnson, spoke about the transformative role programs like the Y School and MAD Camp played in her daughter’s life. Both programs aim to support vulnerable teens by creating safe spaces and offering holistic, trauma-informed support. “She found purpose in those places,” Johnson said. “She would be proud that she got to travel the world without even leaving Australia. She’d be blown away by that support.”</p> <p>The memorial marked three-and-a-half weeks since Pheobe disappeared on her way to Bundaberg Airport, where she had been preparing to fly to Western Australia to visit her boyfriend on May 15. She never checked in for her flight, and a police search followed.</p> <p>On Friday afternoon, police discovered human remains believed to be hers in thick bushland within the Good Night Scrub National Park, about 50km west of Bundaberg. Formal identification has not yet been confirmed, and police say a complex forensic process is underway to determine the cause of death.</p> <p>Her phone and luggage remain missing.</p> <p>Two of Pheobe’s housemates, James Wood, 34, and Tanika Bromley, 33, <a href="https://www.oversixty.com.au/finance/legal/housemates-charged-with-murder-of-missing-teen-pheobe-bishop" target="_blank" rel="noopener">have been charged with murder</a> and two counts of interfering with a corpse. Investigations are ongoing.</p> <p>As the community waits for answers, the vigils have become a quiet act of collective remembrance, and a reminder, as Kaylea said, to never take the ones we love for granted.</p> <p><em>Images: 7 News / Facebook</em></p>

Family & Pets

"Truly blessed" Irwins celebrate 33 years of love, legacy and wildlife

<p>Australia’s beloved wildlife family is celebrating a milestone today, with Terri Irwin marking 33 years since she married the late Steve Irwin – the larger-than-life Crocodile Hunter who captured hearts across the globe.</p> <p>On June 4, 1992, Steve and Terri tied the knot in Terri’s grandmother’s church in Oregon. That day, Terri says, was the beginning of her “happily ever after”.</p> <p>Now, more than three decades on – and nearly 20 years since Steve’s tragic passing – the Irwin family continues to live and thrive in his memory, sharing love, adventure and a deep dedication to wildlife conservation.</p> <p>Terri took to Instagram to honour her wedding anniversary, sharing a heartfelt tribute to Steve. “Today, 33 years ago, Steve and I were married in my grandmother’s church in Oregon,” she wrote. “And it was the first day of my happily ever after.”</p> <p>While she admits she still wishes Steve were here, Terri said she wakes each day “with beautiful memories, so much love in my heart, and the promise of continuing his incredible legacy. I am truly blessed.”</p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-captioned="" data-instgrm-permalink="https://www.instagram.com/p/DKdBcfpz_9p/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/p/DKdBcfpz_9p/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by Terri Irwin (@terriirwincrikey)</a></p> </div> </blockquote> <p>Daughter Bindi shared her own tribute soon after, reposting her mother’s words and adding: “Happy anniversary to my beautiful mum and dad.” She called the pair “soulmates”.</p> <p>Bindi was just eight when her father died in 2006, and Robert, only two. But both children have grown into strong voices for conservation, public figures in their own right, and torchbearers of their dad’s legacy.</p> <p>The family has also grown, with Bindi marrying husband Chandler Powell and welcoming daughter Grace Warrior – making Terri a grandmother, and Steve a granddad in spirit.</p> <p>Reflecting on the past month, which included both joyful and challenging moments, Bindi shared a touching update this morning with photos from family travels and her recent hospital stay.</p> <p>“‘I love you’ will never be enough for my family,” she wrote. Her post included sweet snaps from a Disneyland trip, quiet family moments, and scenes from her recovery following surgery.</p> <p>Terri commented lovingly on the post: “We are truly blessed”.</p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-captioned="" data-instgrm-permalink="https://www.instagram.com/p/DKc9d58zD2l/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/p/DKc9d58zD2l/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by Bindi Irwin (@bindisueirwin)</a></p> </div> </blockquote> <p><em>Images: Instagram</em></p>

Family & Pets

Bill Gates set to give away his entire fortune

<p>In a bold, legacy-defining move, the Bill and Melinda Gates Foundation had announced plans to spend more than $200 billion over the next two decades, dramatically accelerating its mission to combat global poverty and disease before closing its doors in 2045.</p> <p>The philanthropic giant, co-founded by Bill Gates in 2000, will double its giving in the years ahead – an effort Gates says is driven by a sense of "urgency and opportunity". With advances in artificial intelligence and public health breakthroughs on the horizon, and as government aid budgets decline worldwide, the foundation is aiming to make its final chapter the most impactful yet.</p> <p>"People will say a lot of things about me when I die, but I am determined that ‘he died rich’ will not be one of them," Gates, 69, wrote in a personal blog post on Thursday. “There are too many urgent problems to solve for me to hold onto resources that could be used to help people.”</p> <p>The decision marks a pivotal shift from the foundation’s original charter, which called for operations to end 20 years after Gates’s death. Instead, the organisation will sunset in 2045, regardless of Gates’s lifespan.</p> <p>The scale of the commitment is staggering: over the next 20 years, the Gates Foundation will give away more than twice what it distributed in its first 25 years. “During the first 25 years of the Gates Foundation – powered in part by the generosity of Warren Buffett – we gave away more than $100 billion,” Gates noted. </p> <p>Founded at the dawn of the 21st century, the Gates Foundation has become one of the most influential forces in global health. From spearheading polio eradication efforts to funding a life-saving rotavirus vaccine that has reduced child deaths from diarrhoea by 75%, its impact is undeniable.</p> <p>Now, the foundation’s final act aims even higher. “By accelerating our giving, my hope is we can put the world on a path to ending preventable deaths of mums and babies and lifting millions of people out of poverty,” Gates wrote.</p> <p>The announcement also comes at a moment of transition. In 2024, Melinda French Gates departed from the foundation, three years after the couple's divorce. Yet the shared vision remains clear: a world where fewer lives are lost to poverty, illness and neglect.</p> <p>As Gates prepares to give away nearly all of his $112.6 billion fortune, his message to the world is simple – and powerful: we don’t have forever to make a difference. So we must act now.</p> <p><em>Images: Instagram</em></p>

Money & Banking

"Two of our finest men lost to the sport we love": Tragedy strikes at BSB

<p>A devastating multi-bike crash during the opening lap of the British Supersport Championship race at Oulton Park has claimed the lives of two riders and left several others injured, casting a dark shadow over the start of the 2025 racing season.</p> <p>The incident, described as a "catastrophic" chain-reaction crash involving 11 motorcycles, occurred at the exit of the first turn during Monday’s season-opening feature race. The race, which was being broadcast live on television and served as a support event for the top-tier Superbike Championship, was immediately red-flagged and later abandoned.</p> <p>British rider Owen Jenner, 21, and Shane Richardson, a 29-year-old father of two from New Zealand, were both tragically killed in the collision. Organisers confirmed Jenner succumbed to a catastrophic head injury despite emergency treatment at the track and further resuscitation at the circuit medical centre. Richardson was initially stabilised at the scene but passed away en route to Royal Stoke University Hospital from severe chest trauma.</p> <p>The crash also left veteran racer Tom Tunstall, 47, hospitalised with serious back and abdominal injuries. He remains under medical care.</p> <p>Several other riders suffered injuries in the incident, with Carl Harris, Max Morgan, Cameron Hall, Freddie Barnes, and Morgan McLaren-Wood sustaining minor harm. Lewis Jones, Corey Tinker and George Edwards escaped without injury.</p> <p>In an official statement, the Motorcycle Circuit Racing Control Board (MCRCB) and MotorSport Vision Racing (MSVR) confirmed that an investigation into the full circumstances of the accident is underway in collaboration with the Coroner and Cheshire Constabulary.</p> <p>Richardson, who proudly raced with the New Zealand flag on his No. 28 Suzuki and finished ninth in last year’s championship, had just placed 11th in Sunday’s opening race. His passing marks another tragic blow to New Zealand motorsport, following the death of fellow Kiwi Damon Rees two years ago.</p> <p>Australian reigning Supersport champion Ben Currie, who narrowly avoided the crash, expressed his heartbreak: “Hard to put into words what happened today. Gutted for everyone involved. Two of our finest men lost to the sport we love. Thoughts are with all that are involved. RIP boys.”</p> <p>Fellow rider Freddie Barnes, writing from hospital, echoed the grief of the paddock: “My condolences go out to Owen and Shane’s family and friends. I’m absolutely devastated… ride on in paradise boys.”</p> <p>The emotional toll of the incident was evident as tributes poured in across the motorsport community.</p> <p>Racer TJ Toms wrote: “Two lads I feel absolutely privileged to call mates… My heart, love and thoughts go out to OJ’s family and to Hanna and Shane’s little family. Thank you for all our memories boys.”</p> <p>Joe Sheldon-Shaw added: “Had some great races with both these lads, and a lot of laughs off the track with OJ. Heartbreaking day today… The paddock won’t be the same without them.”</p> <p>Despite the tragedy, the Supersport Championship is set to resume in two weeks at Donington Park. As the racing world mourns, it does so with heavy hearts, united in grief and remembrance of two riders lost far too soon.</p> <p><em>Images: Facebook</em></p>

Caring

What every parent should read before becoming the bank of mum and dad

<p><span style="font-family: Calibri, sans-serif;">In late 2023, economists Jarden estimated </span><a style="color: #467886;" href="https://www.afr.com/companies/financial-services/the-bank-of-mum-and-dad-is-good-for-70-000-new-analysis-concludes-20231129-p5enpp"><span style="font-family: Calibri, sans-serif;">15 per cent of mortgage borrowers received some form of financial support</span></a><span style="font-family: Calibri, sans-serif;"> from their parents. A separate poll by comparison site Finder around the same time </span><a style="color: #467886;" href="https://au.finance.yahoo.com/news/first-home-buyers-reveal-huge-amount-aussie-parents-gifted-them-201221909.html"><span style="font-family: Calibri, sans-serif;">put the figure at 11 per cent</span></a><span style="font-family: Calibri, sans-serif;">. Fast forward to February this year, with a UBS survey </span><a style="color: #467886;" href="https://www.abc.net.au/news/2025-02-06/cost-of-living-sting-lessened-by-bank-of-mum-and-dad/104882754"><span style="font-family: Calibri, sans-serif;">suggesting almost half of first home buyers receive parental assistance</span></a><span style="font-family: Calibri, sans-serif;">. Clearly, the Bank of Mum and Dad is a rapidly growing source of funds for younger people seeking to purchase property. However, some older Australians are now paying a hefty price for having done so without adequate planning and protections.</span></p> <p><strong><span style="font-family: Calibri, sans-serif;">On the hook</span></strong></p> <p><span style="font-family: Calibri, sans-serif;">Amid the excitement of homebuying, many parents overlook the fact they could be left on the hook to cover any shortfall. The worst-case scenario here is losing your own home, as well as your child losing theirs, if you went guarantor on their loan and they defaulted and you didn’t have a backup plan. If you loaned them money which they subsequently can’t repay, the principal amount goes unrepaid and you also miss out on the interest/compound growth that money could have earned if invested elsewhere. You may even be asked to fork out more in future if your child needs help to keep the property or to subsequently buy a replacement property. Unlike for a real bank, there is no public bailout for the Bank of Mum and Dad.</span></p> <p><strong><span style="font-family: Calibri, sans-serif;">Financial shortfall</span></strong></p> <p><span style="font-family: Calibri, sans-serif;">A common problem that I and other financial advisors are now seeing is parents inadvertently giving their children more than they can actually afford. Take people who acted as Bank of Mum and Dad before the pandemic hit. They budgeted how much they would need for retirement and then gave their adult kids money towards buying a home of their own. Then COVID-19 arrived. Countless jobs were lost and businesses shuttered. Many would-be retirees were forced to stay in the workforce for longer than planned. Next came the inflation crisis, with mortgages and living costs soaring. Retirement budgets blew-out as more money was suddenly needed for everyday expenses, particularly energy, insurance and food. Meanwhile ballooning house prices over the pandemic years saw first homebuyers needing even larger deposits. That all translated to significant financial shortfalls for the Bank of Mum and Dad.</span></p> <p><strong><span style="font-family: Calibri, sans-serif;">Elder abuse</span></strong></p> <p><a style="color: #467886;" href="https://www.aihw.gov.au/family-domestic-and-sexual-violence/population-groups/older-people#abuse"><span style="font-family: Calibri, sans-serif;">Government figures from 2023</span></a><span style="font-family: Calibri, sans-serif;"> estimate one in six older Australians suffer elder abuse in some form, with 2.1 per cent experiencing financial abuse – undue control, pressure or restricted access to their own money and financial decisions. Half (53 per cent) of elder abuse perpetrators are family members, with adult children the most common offenders.</span></p> <p><span style="font-family: Calibri, sans-serif;">Given the amount of money involved in property purchases, and the stresses associated with housing affordability, the potential for the Bank of Mum and Dad to suffer elder abuse is alarmingly high.</span></p> <p><strong><span style="font-family: Calibri, sans-serif;">Relationship breakdowns</span></strong></p> <p><span style="font-family: Calibri, sans-serif;">Money is perhaps the greatest source of tension in relationships. Usually that is between partners, yet these can multiply for the Bank of Mum and Dad and its stakeholders. Some examples include:</span></p> <ul> <li><span style="font-family: Calibri, sans-serif;">You and your partner disagree on what or how much assistance to provide.</span></li> <li><span style="font-family: Calibri, sans-serif;">Your other children feel disadvantaged if they don’t receive the same financial assistance.</span></li> <li><span style="font-family: Calibri, sans-serif;">Having provided the finances, you then interfere in how your child manages the property or their general finances, causing resentment to build.</span></li> <li><span style="font-family: Calibri, sans-serif;">A marriage breakdown (yours or your child’s) affects the repayment of a loan or the nature of a mortgage guarantee.</span></li> </ul> <p><strong><span style="font-family: Calibri, sans-serif;">Protect yourself</span></strong></p> <p><span style="font-family: Calibri, sans-serif;">While supporting children is the foremost concern of the Bank of Mum and Dad, it is important to protect yourself too. A written agreement outlining the nature of the support, conditions and contingencies is crucial to keep every aligned. Independent advice from your financial adviser, lawyer, mortgage broker and accountant ensures you fully understand what you are on the hook for, how much you can afford to contribute, and whether there are less-risky options.</span></p> <p><span style="font-family: Calibri, sans-serif;">Finally, be sure that the decision to support your child’s property ambitions is your own and that you aren’t coerced into it. If you’re concerned that you may be experiencing elder abuse, call the free </span><a style="color: #467886;" href="https://www.health.gov.au/contacts/elder-abuse-phone-line"><span style="font-family: Calibri, sans-serif;">elder abuse line on 1800 353 374</span></a><span style="font-family: Calibri, sans-serif;">.</span></p> <p><strong><span style="line-height: 18.4px; font-family: Calibri, sans-serif; color: #242424;">Helen Baker is a licensed Australian financial adviser and author of the new book, <em>Money For Life: How to build financial security from firm foundations (Major Street Publishing $32.99).</em> 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<em>. </em>Find out more at </span></strong><a style="color: #467886;" title="http://www.onyourowntwofeet.com.au/" href="http://www.onyourowntwofeet.com.au/"><strong><span style="line-height: 18.4px; font-family: Calibri, sans-serif;">www.onyourowntwofeet.com.au</span></strong></a></p> <p><strong><em><span style="line-height: 18.4px; font-family: Calibri, sans-serif; color: #242424;">Disclaimer: The information in this article is of a general nature only and does not constitute personal financial or product advice. Any opinions or views expressed are those of the authors and do not represent those of people, institutions or organisations the owner may be associated with in a professional or personal capacity unless explicitly stated. Helen Baker is an authorised representative of BPW Partners Pty Ltd AFSL 548754.</span></em></strong></p> <p><em><span style="line-height: 18.4px; font-family: Calibri, sans-serif; color: #242424;">Image: Shutterstock</span></em></p>

Money & Banking

"It must be love!": Charles and Camilla mark wedding anniversary with sweet video

<p>April 9 marked a special milestone for King Charles and Queen Camilla as they celebrate their 20th wedding anniversary! The royal couple kicked off the joyous occasion with a charming new video, shared across the royal family's social media accounts.</p> <p>The 60-second clip is a delightful journey through their two decades of marriage, showcasing a collection of heartwarming photos and candid moments. Captioned simply, "20 Happy Years!" accompanied by a white heart emoji, the post captured the love and happiness that has defined their union. Fans were quick to note that the white heart may also be a nod to the traditional 20th anniversary gifts of china or platinum, symbolising strength and beauty.</p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-captioned="" data-instgrm-permalink="https://www.instagram.com/reel/DIN7uDus6Rg/?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/DIN7uDus6Rg/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by The Royal Family (@theroyalfamily)</a></p> </div> </blockquote> <p>Though the royal couple is spending their anniversary abroad in Rome as part of their state visit to Italy, celebrations have been in full swing back home in the UK. Outside Buckingham Palace, the Band of the Household Cavalry serenaded well-wishers with a special performance of It Must Be Love, dedicated to Their Majesties – a perfect musical tribute to their enduring romance.</p> <blockquote class="twitter-tweet"> <p dir="ltr" lang="en">It must be love! 🫶</p> <p>A special tribute on the Forecourt of Buckingham Palace, to mark Their Majesties’ 20th wedding anniversary today. <a href="https://t.co/15rlKuevVl">pic.twitter.com/15rlKuevVl</a></p> <p>— The Royal Family (@RoyalFamily) <a href="https://twitter.com/RoyalFamily/status/1909937840185548915?ref_src=twsrc%5Etfw">April 9, 2025</a></p></blockquote> <p>In anticipation of this milestone, the couple also released a new set of portraits earlier this week. Queen Camilla looked radiant in bridal white, wearing a bespoke dress by Anna Valentine, the designer of her original wedding gown. Adding a sentimental touch, Her Majesty adorned her outfit with the lily of the valley brooch once belonging to the Queen Mother, a beautiful symbol of eternal love.</p> <p>The day itself is a working one for the royal couple. King Charles is set to meet with Italy’s prime minister, while later, they will be the guests of honour at a grand state banquet hosted by the Italian president – a fitting celebration for their incredible journey together.</p> <p>King Charles and Queen Camilla’s love story is one for the history books. Though married for 20 years, their connection spans over five decades. From their first meeting at a polo match in 1970 to enduring public scrutiny, they have emerged stronger than ever.</p> <p>Their early years saw them part ways when Charles embarked on an eight-month naval tour, and Camilla married Andrew Parker Bowles. Yet, even through life’s twists and turns, their bond remained unbreakable. Following the tragic passing of Princess Diana, Charles and Camilla slowly reintroduced their relationship to the public, eventually marrying in 2005 in a modest yet heartfelt ceremony.</p> <p>Since then, Queen Camilla has embraced her royal role with grace and dedication, earning the admiration of many. </p> <p>Here’s to King Charles and Queen Camilla – may the next 20 years be just as joyful!</p> <p><em>Images: Royal Family / Instagram</em></p>

Relationships

Tragedy on first cruise: Aussie couple’s dream trip ends in heartbreak

<p>What began as a dream getaway for Aussie couple Glenn and Beverley Stein has ended in devastating tragedy, after Glenn, 74, died suddenly during their very first cruise.</p> <p>Described as "humble and hardworking", the couple had never been overseas or on a cruise before. Their four-day voyage from Brisbane to Airlie Beach, a generous gift from their son after a lucky windfall, was meant to be a long-overdue escape for the pair, who had spent more than 50 years side by side.</p> <p>"They had never been on a cruise before, never even been overseas," daughter-in-law Sarah <a href="https://au.news.yahoo.com/carnival-cruise-passengers-8500-blow-after-on-board-tragedy-they-didnt-realise-033649566.html" target="_blank" rel="noopener">shared with Yahoo News</a>. "One of their sons won some money so he thought it might be nice to buy them a cruise."</p> <p>According to Sarah, the couple were thoroughly enjoying their time onboard. But just a few days into the trip, Glenn began to feel unwell, suspecting it was merely “a bit of food poisoning”. True to their no-fuss nature, the Steins tried not to worry and went to bed, assuming he would feel better by morning.</p> <p>Tragically, Beverley awoke the next day to find Glenn unconscious. In shock, she raised the alarm with the ship’s housekeeping staff, who immediately called the onboard medical team. “The staff were amazing. We’ve got a 43-page report detailing all the care they gave him," Sarah said, commending the cruise medical team for their efforts and support during the ordeal.</p> <p>Glenn’s condition rapidly deteriorated. Doctors soon discovered he was suffering from a life-threatening strangulated hernia, requiring emergency surgery. As they awaited an airlift to Bundaberg Hospital, the crew urged Beverley to speak with her husband and prepare for the worst.</p> <p>Even aboard the emergency helicopter, Glenn’s health continued to fail. Once at the hospital, paramedics warned the couple’s children, already en route, to call in immediately.</p> <p>“They managed to speak to Glenn, which was really nice,” Sarah said. Heartbreakingly, just minutes later, when Sarah and her husband tried to call, they were told Glenn had passed away. "He had literally just passed away as soon as they got off the phone."</p> <p>Adding to the family's anguish, they soon discovered that because Glenn and Beverley had unknowingly crossed into international waters, and hadn't purchased travel insurance, Beverley was left facing an $8,500 medical bill.</p> <p>“This was their first cruise; they didn’t realise it was actually out of Australian waters,” Sarah explained, calling the experience a “cautionary tale” for other travellers. While understanding of the fees, the family is now hoping the cruise company might show some compassion and reduce the amount.</p> <p>Loved ones have <a href="https://www.gofundme.com/f/help-bev-after-the-sudden-loss-of-her-beloved-husband-glenn?cdn-cache=0" target="_blank" rel="noopener">launched a GoFundMe</a> to help cover the medical costs and funeral expenses. "Bev is not only grieving the loss of her life partner but is now also facing overwhelming financial pressure," the family wrote. "Any contribution, no matter how small, will go directly toward covering the significant costs associated with Glenn’s passing and supporting Bev as she begins to navigate life without him."</p> <p>Despite their grief, the family has found bittersweet moments of humour in the aftermath. “It’s really funny,” Sarah recalled, “his daughter mentioned, ‘Dad always said he never wanted a fuss and just wanted to go quietly,’ and it’s ended up being a helicopter out and on the news – so he couldn’t have been more dramatic."</p> <p>As they rally around Beverley, the Steins’ loved ones hope their story will serve as a reminder of the importance of travel insurance — and of cherishing every moment with the ones you love.</p> <p><em>Images: GoFundMe</em></p>

Cruising

Why older couples love short cruises for a quick romantic getaway

<p>Long holidays are great, but they are not always practical, especially when you just want a quick break together. They can be expensive, require a lot of planning and sometimes feel more tiring than relaxing. </p> <p>A <span lang="EN-GB"><a href="https://www.carnival.com.au/short-cruises" target="_blank" rel="noopener"><span lang="EN-GB" style="color: #1155cc;">smooth, short cruise</span></a></span> is the perfect balance for older couples. There’s just enough time to unwind, visit new places and enjoy amazing food and entertainment, all without the stress of organising every detail.</p> <p>With options from Carnival, Australia’s leading cruise line, a quick and relaxing romantic getaway is easier than ever. Everything is taken care of, so you can simply step on board and make the most of your time together.</p> <p>To show you what makes them special, here’s why short cruises have become a favourite getaway for couples looking to relax and reconnect.</p> <p><strong><span style="font-size: 14pt;">Skip the stress and start your holiday sooner</span></strong></p> <p>Planning a holiday can sometimes feel like more trouble than it’s worth. Long flights, busy airports and endless logistics take time and effort, which can make a romantic getaway feel stressful before it even begins. But taking a break doesn’t have to be complicated.</p> <p>A Carnival <span lang="EN-GB"><a href="https://www.carnival.com.au/short-cruises/sydney" target="_blank" rel="noopener"><span lang="EN-GB" style="color: #1155cc;">short cruise from Sydney</span></a></span> or Brisbane is an easy way to escape for a few days without the stress of flights or long drives. Enjoy slow mornings together on a peaceful deck, take in the ocean views or visit a beautiful destination like Tasmania or Moreton Island. </p> <p><strong><span style="font-size: 14pt;">Enjoy time together without going far</span></strong></p> <p>You don’t need to travel far to enjoy a romantic break. A short cruise lets you escape for a few days, soak up the ocean views and spend uninterrupted time together. Set sail from Brisbane or Sydney and choose from a three-day cruise at sea, a four day cruise to Moreton Island or Airlie Beach, or a <span lang="EN-GB"><a href="https://www.carnival.com.au/short-cruises/5-day" target="_blank" rel="noopener"><span lang="EN-GB" style="color: #1155cc;">five-day cruise</span></a></span> to Tasmania.</p> <p><strong><span style="font-size: 14pt;">Spend quality time with onboard activities</span></strong></p> <p><strong><span style="font-size: 14pt;"><img src="https://oversixtydev.blob.core.windows.net/media/2025/02/Carnivalimage-1.jpg" alt="" width="1280" height="720" /></span></strong></p> <p>Finding time to unwind together isn’t always easy, but a Carnival short cruise makes it simple. With plenty of <span lang="EN-GB"><a href="https://www.carnival.com.au/onboard" target="_blank" rel="noopener"><span lang="EN-GB" style="color: #1155cc;">exciting onboard activities</span></a></span>, you can do as much or as little as you like. </p> <p>Lounge by the pool, enjoy some quiet time at <span lang="EN-GB"><a href="https://www.carnival.com.au/onboard/serenity" target="_blank" rel="noopener"><span lang="EN-GB" style="color: #1155cc;"><span lang="EN-GB"> an</span></span><span lang="EN-GB" style="color: #1155cc;"> </span><span lang="EN-GB" style="color: #1155cc;"><span lang="EN-GB">a</span></span><span lang="EN-GB" style="color: #1155cc;"><span lang="EN-GB">dults-</span></span><span lang="EN-GB" style="color: #1155cc;"><span lang="EN-GB">o</span></span><span lang="EN-GB" style="color: #1155cc;"><span lang="EN-GB">nly </span></span><span lang="EN-GB" style="color: #1155cc;"><span lang="EN-GB">r</span></span><span lang="EN-GB" style="color: #1155cc;"><span lang="EN-GB">etreat</span></span></a></span> or watch a live music performance. You can even play video games or visit the fitness centre together. For total relaxation, book a couples’ treatment at Cloud 9 Spa* and let the stress melt away.</p> <p>In the evening, share new experiences together. Watch a Playlist Productions show, enjoy stand-up comedy at The Punchliner Comedy Club or settle in for a movie under the stars. If you prefer a quieter night, find a cosy spot to take in the ocean views or enjoy a drink with live acoustic music.</p> <p><strong><span style="font-size: 14pt;">Share great food at every meal</span></strong></p> <p><strong><span style="font-size: 14pt;"><img src="https://oversixtydev.blob.core.windows.net/media/2025/02/Carnivalimage-3.jpg" alt="" width="1280" height="720" /></span></strong></p> <p>Good food is even better when shared, and a Carnival short cruise gives couples plenty of <span lang="EN-GB"><a href="https://www.carnival.com.au/dining" target="_blank" rel="noopener"><span lang="EN-GB" style="color: #1155cc;">dining </span></a></span>options to enjoy together. Start the day with a relaxed breakfast and freshly brewed coffee, or grab a quick bite from the main dining room. For a special night, Fahrenheit 555* or Luke’s Bar & Grill* serves perfectly cooked steaks and fresh seafood in a cosy setting.</p> <p>If you’re in the mood for something to eat, the pizzeria has fresh-made pizza, and Bonsai Sushi Express* offers quick, fresh sushi. For something classic, Guy’s Burger Joint serves juicy burgers. With so many choices, every meal is a chance to relax and spend time together.</p> <p><strong><span style="font-size: 14pt;">Plan your next romantic getaway</span></strong></p> <p>A few days away is sometimes all you need to recharge and reconnect. On a short cruise, you can enjoy new experiences, soak up the ocean views and make the most of every moment together without worrying about travel logistics.</p> <p>All the details are sorted, so you can focus on choosing the perfect destination and how long you’d like to relax together. Visit the <span lang="EN-GB"><a href="https://www.carnival.com.au/" target="_blank" rel="noopener"><span lang="EN-GB" style="color: #1155cc;">Carnival Cruise website</span></a></span> to find a short cruise that fits your schedule, and start planning your next romantic getaway today.</p> <p><em>Images: Supplied<br /></em></p> <p><em>*Charges apply</em></p> <p><em>This is a sponsored article produced in partnership with Carnival</em></p>

Cruising

"Love never dies": Tributes flow for Iconic Hollywood star

<p>Hollywood is mourning the loss of one of its most beloved stars, Richard Chamberlain, who passed away at the age of 90. The acclaimed actor, best known for his roles in <em>The Thorn Birds</em>, <em>Dr Kildare</em> and the stage production of <em>The Sound of Music</em>, died from complications following a stroke, his publicist Harlan Boll confirmed to <em>Variety</em>.</p> <p>Born George Richard Chamberlain, the actor died in Hawaii, leaving behind a legacy that spanned over six decades. His career took off in the early 1960s when he starred as the charming Dr James Kildare in the hit television series <em>Dr Kildare</em> (1961-1966), a role that quickly made him a teen idol.</p> <p>Chamberlain became a household name and was soon dubbed the "king of the mini-series" after starring in a string of highly acclaimed television dramas throughout the 1980s. His extensive stage work further demonstrated his versatility, portraying characters such as Professor Henry Higgins in <em>My Fair Lady</em>, Captain von Trapp in <em>The Sound of Music</em> and Shakespearean roles like Hamlet and Richard II.</p> <p>He also made history as the original Jason Bourne in the 1988 mini-series adaptation of <em>The Bourne Identity</em>, showcasing his ability to captivate audiences across various genres.</p> <p>Following his passing, his longtime partner Martin Rabbett shared a heartfelt tribute: "Our beloved Richard is with the angels now. He is free and soaring to those loved ones before us. How blessed were we to have known such an amazing and loving soul. Love never dies. And our love is under his wings lifting him to his next great adventure."</p> <p>One of Chamberlain’s most memorable roles was in <em>The Thorn Birds</em>, the ABC mini-series based on Colleen McCullough’s novel, in which he portrayed Father Ralph de Bricassart. The series, a sweeping saga set in the Australian outback, remains one of television’s most cherished dramas.</p> <p>In later years, Chamberlain continued to make appearances in popular shows, including <em>Touched by an Angel</em>, <em>Nip/Tuck</em>, and <em>Chuck</em>. His final acting credit came in 2019 with the film <em>Finding Julia</em>.</p> <p>Chamberlain leaves behind a body of work that will be cherished by fans for generations. His charisma, talent and passion for his craft made him a true Hollywood legend.</p> <p><em>Images: Instagram</em></p>

Caring

Hilarious gift for Home and Away icon after her final scene

<p>After an incredible 33-year run on <em>Home and Away</em>, beloved actress Lynne McGranger has filmed her final scene, marking the end of an era for both the show and its devoted fans. Portraying the iconic Irene Roberts, McGranger’s departure is a moment of celebration and nostalgia for the Australian TV industry.</p> <p>McGranger wrapped up her last scene on the legendary Pier Diner set at Seven’s Eveleigh Studios in Sydney on Wednesday. The emotional moment was met with cheers and heartfelt applause as the cast and crew gathered to witness the final take for the longest-serving female cast member in the show’s history.</p> <p>Producer Lucy Addario led the tributes, presenting McGranger with a bouquet of flowers on behalf of the <em>Home and Away</em> production team. Adding a touch of humour and nostalgia, she was also gifted the famous “Hamburger Phone” – a prop synonymous with the Diner – as a token of appreciation for her unforgettable contribution to the show.</p> <p>Grateful and emotional, McGranger reflected on her incredible journey. “I’ve had the ride of my life. And I love each and every one of you so much: The cast – Ray, Georgie, Emily, Shane, Ada, James, all the youngins,” she said. “The art department, the writers, everybody – there’s so many unsung heroes. This show is made up of so many parts. You’re all amazing, and it’s been my great privilege to work with each and every one of you. I’m touched, I’m humbled, and I’m so honoured. Thank you so much.”</p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-captioned="" data-instgrm-permalink="https://www.instagram.com/reel/DHp-tuUCy-h/?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/DHp-tuUCy-h/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by 7NEWS Sydney (@7newssyd)</a></p> </div> </blockquote> <p>Though McGranger’s time on set has concluded, her character’s exit storyline promises to keep viewers captivated for months to come. Since her debut in January 1993, Irene has been a cornerstone of Summer Bay, known for her toughness, sharp wit and heart of gold. A recovered alcoholic who turned her life around, Irene’s journey has seen her take in numerous foster children and face some of the show’s most dramatic storylines, from battling breast cancer to surviving bomb explosions and plane crashes.</p> <p>Throughout the years, Irene’s signature catchphrases – “girly”, “darl”, and “flippin’ heck!” – have cemented her place in Australian pop culture. In 2023, <em>TV WEEK</em> even ranked her the second Greatest Australian TV Character Of All Time, a testament to McGranger’s unforgettable performance <span style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;">(Alf was No.1, in case you're wondering)</span><span style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;">.</span></p> <p>Even as fans prepare to say goodbye to Irene Roberts over the coming months, McGranger’s legacy will live on in the hearts of <em>Home and Away</em> viewers. Her unmistakable charm has left an indelible mark on the show, and she will always be remembered as a true Summer Bay icon.</p> <p><em>Images: Network 7</em></p>

More young people are caring for a loved one with dementia. It takes a unique toll

<div class="theconversation-article-body"> <p>Dementia is a growing health problem, affecting more than <a href="https://www.who.int/news-room/fact-sheets/detail/dementia">55 million people</a> around the world.</p> <p>In Australia, an estimated <a href="https://www.dementia.org.au/about-dementia/dementia-facts-and-figures">433,300 people</a> are living with dementia. This figure is projected to rise to 812,500 by 2054.</p> <p>Dementia <a href="https://www.dementia.org.au/about-dementia">refers to brain disorders</a> that are not a normal part of ageing. These disorders, including Alzheimer’s disease, cause a decline in cognitive function and changes in mood, memory, thinking and behaviour. Ultimately they affect a person’s ability to carry out everyday tasks.</p> <p>In Australia, around <a href="https://www.sydney.edu.au/news-opinion/news/2020/10/06/research-backs-home-based-program-for-people-living-with-dementi.html">75% of people with dementia</a> live at home.</p> <p>While dementia care at home has traditionally been associated with older spouses or middle-aged children, it seems an increasing number of young adults in their 20s and 30s, and <a href="https://www.ncb.org.uk/sites/default/files/uploads/files/young_people_caring_for_adults_with_dementia.pdf">even teenagers</a>, are stepping into this role to care for grandparents, parents or other loved ones.</p> <p>In Australia, 3 million people (11.9% of the population) are carers. This includes <a href="https://www.abs.gov.au/statistics/health/disability/disability-ageing-and-carers-australia-summary-findings/latest-release">391,300 under 25</a> – a sharp rise from 235,300 in 2018.</p> <p>How many young carers are specifically caring for a loved one with dementia is unclear, and something we need more data on. Young dementia carers remain largely invisible, with minimal recognition or support.</p> <h2>Unique challenges and the burden of responsibility</h2> <p>Unlike older carers, who may have more financial stability and free time, young carers often must balance caregiving with university, early-career pressures, and personal development, including maintaining social relationships, pursuing hobbies, and prioritising mental welling.</p> <p>In Australia, where <a href="https://aifs.gov.au/media/more-young-adults-living-parents">51% of men and 43% of women</a> aged 20–24 still live with their parents, many young carers will have limited experience in managing a household independently.</p> <p>They’re often thrust into <a href="https://www.ncb.org.uk/sites/default/files/uploads/files/young_people_caring_for_adults_with_dementia.pdf">complex responsibilities</a> such as cooking, housework, managing the family budget, coordinating medical appointments and administering medications.</p> <p>Beyond that, they may need to provide physical care such as lifting or helping their loved one move around, and personal care such as dressing, washing, and helping with toileting.</p> <p>All this can leave young carers <a href="https://www.tandfonline.com/doi/full/10.2147/PROM.S499063">feeling unprepared</a>, overwhelmed and isolated.</p> <p>While general support groups exist for dementia carers and young carers more broadly, few cater specifically to <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC9819145/">young adults caring for someone with dementia</a>.</p> <p>This lack of targeted support is likely to heighten <a href="https://www.tandfonline.com/doi/pdf/10.1080/13676261.2024.2390899?casa_token=6Q73sIFsfssAAAAA:1rQ7NyiiHkwTwIk4mkk6d2r5tiUxeXJDCKTfIohKmHzCue9xvuj5r4e8-fowJGQeIYKe6afuO9FT">feelings of isolation</a>, as the young person’s friends struggle to relate to the emotional and practical burdens <a href="https://link.springer.com/content/pdf/10.1186/s12877-020-01976-z.pdf">young carers face</a>.</p> <p>The demanding nature of caregiving, combined with the difficulty of sharing these experiences with peers, means young dementia carers can become <a href="https://journals.sagepub.com/doi/epub/10.1177/14713012211023653?src=getftr&utm_source=tfo&getft_integrator=tfo">disconnected socially</a>.</p> <h2>The psychological toll</h2> <p>These challenges take a profound <a href="https://www.mentalhealth.org.uk/explore-mental-health/statistics/carers-statistics">psychological toll</a> on young carers.</p> <p>Research shows young carers are <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC9263065/">35% more likely</a> to report mental health issues than their non-caregiving peers. These can include <a href="https://journals.sagepub.com/doi/pdf/10.1177/1471301220980243">depression</a>, anxiety and burnout.</p> <p>Again, we don’t have data on mental health outcomes among young dementia carers specifically. But <a href="https://www.aihw.gov.au/reports/dementia/dementia-in-aus/contents/carers-and-care-needs-of-people-with-dementia/impact-of-the-caring-role-on-carers">in Australia</a>, 75% of dementia carers reported being affected physically or emotionally by their caring role. Some 41% felt weary or lacked energy, and 31% felt worried or depressed.</p> <p>Also, there are negative stereotypes about ageing – that people turn forgetful, frail, and need constant care. For young carers whose loved ones have dementia, these stereotypes <a href="https://journals.sagepub.com/doi/pdf/10.1111/j.1467-8721.2009.01662.x?casa_token=w0MW7GGY80gAAAAA:szB0XyXKPG_XMqAVyAHLm0Tye8yH3TYXK9X5cFCSIRkorhsNHx4Wgurmy_oAuZKsTsskS6kBw9Vr">can be reinforced</a> by their experience. This could shape young carers’ perceptions of <a href="https://www.tandfonline.com/doi/full/10.1080/13607863.2025.2464705?utm">their own future health</a> and wellbeing and increase anxiety about ageing.</p> <p>Caregiving may also affect <a href="https://www.apa.org/pi/about/publications/caregivers/faq/health-effects">physical health</a>. Research suggests carers often sacrifice <a href="https://onlinelibrary.wiley.com/doi/pdf/10.1111/psyg.12354">healthy habits</a> such as exercise and a balanced diet. What’s more, <a href="https://onlinelibrary.wiley.com/doi/pdf/10.1111/psyg.12354">carers report symptoms</a> including poor sleep, fatigue, headaches and back pain due to the physical demands of caregiving.</p> <h2>Caring for a parent – a role reversal</h2> <p>This emotional burden is particularly acute for those caring for a parent. These young carers are likely to experience the progressive loss of parental support, while simultaneously assuming the <a href="https://journals.sagepub.com/doi/pdf/10.1177/1471301220988231">demanding role of caregiver</a>.</p> <p>A significant portion of young dementia carers support parents with <a href="https://www.aihw.gov.au/reports/dementia/dementia-in-aus/contents/dementia-in-priority-groups/population-health-impacts-of-younger-onset-dementi">young-onset dementia</a>, a form of dementia diagnosed before age 65. These <a href="https://journals.sagepub.com/doi/pdf/10.1177/1471301220988231">young carers</a> face the shock of a diagnosis that defies typical expectations of ageing.</p> <p>The burden may be compounded by fears of <a href="https://journals.sagepub.com/doi/10.1177/0038026119874280?icid=int.sj-abstract.citing-articles.9">genetic inheritance</a>. Young onset dementia often has a <a href="https://www.nia.nih.gov/health/alzheimers-causes-and-risk-factors/alzheimers-disease-genetics-fact-sheet">hereditary component</a>.</p> <p>This means young carers may have a higher risk of developing the condition themselves – a concern spousal carers don’t have. This fear can fuel health anxiety, alter life planning, and create a pervasive <a href="https://pubmed.ncbi.nlm.nih.gov/26560507/">sense of vulnerability</a>.</p> <h2>How we can better support young dementia carers</h2> <p>Despite their growing numbers, young dementia carers <a href="https://www.tandfonline.com/doi/full/10.2147/JMDH.S464195">remain largely overlooked</a> in research, policy and support services. This is partly due to the challenges in engaging this demographic in research, as these young people juggle busy lives <a href="https://onlinelibrary.wiley.com/doi/pdf/10.1002/gps.4502?casa_token=5-Ih4KcUejwAAAAA%3AOvuh8ghI_ednIzRZmHdUl-_C7EQ8IUw2Qp7E0-0Z9abjV0xT6I4WK17V2U8JMCcxMl9yvpawBeT-l7c">balancing caregiving</a> with education and work.</p> <p>Many young carers also <a href="https://pubmed.ncbi.nlm.nih.gov/36353077/">don’t self-identify as carers</a>, hindering their access to support and resources. This could be because of the stigmatising label, or a feeling they’re <a href="https://www.ncb.org.uk/sites/default/files/uploads/files/young_people_caring_for_adults_with_dementia.pdf">not doing enough</a> to qualify as a carer. It could even be because of cultural norms which can frame caregiving as a family obligation, rather than a distinct role.</p> <p>Nonetheless, young dementia carers require <a href="https://www.mdpi.com/1660-4601/20/1/127">targeted support</a> beyond generic caregiving resources.</p> <p>This support might include specialised <a href="https://www.tandfonline.com/doi/full/10.2147/JMDH.S464195">peer networks</a>, educational programs, and practical skills training. Tailored programs and resources should ideally be <a href="https://www.mdpi.com/1660-4601/20/1/127">co-designed with young dementia carers</a> to ensure they meet their unique needs and preferences.</p> <p>With dementia cases in Australia and elsewhere <a href="https://www.dementia.org.au/about-dementia/dementia-facts-and-figures">projected to increase</a>, the demand for informal carers – including young adults – will continue to grow.</p> <p>Without intervention, these young carers risk burnout, social isolation, and long-term health consequences. We must ensure flexible, age-appropriate support for this often invisible group. Investing in young dementia carers is not just a moral imperative – it’s a crucial step toward a sustainable, compassionate care system for the future.</p> <p><em><a href="https://www.dementia.org.au/living-dementia/family-friends-and-carers">Dementia Australia</a> offers a national helpline, information sessions, and a peer-to-peer connection platform for carers.</em></p> <p><em><a href="https://youngcarersnetwork.com.au/">The Young Carers Network</a>, run by <a href="https://www.carersaustralia.com.au/">Carers Australia</a>, offers mental health resources, financial guidance, and respite care information, plus bursaries young carers can apply for to reduce financial pressure.</em><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/249361/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em>By <a href="https://theconversation.com/profiles/katya-numbers-784650">Katya Numbers</a>, Postdoctoral Research Fellow & Lecturer, Centre for Healthy Brain Ageing, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a> and <a href="https://theconversation.com/profiles/serena-sabatini-2320527">Serena Sabatini</a>, Lecturer in Psychology, <a href="https://theconversation.com/institutions/university-of-surrey-1201">University of Surrey</a></em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/more-young-people-are-caring-for-a-loved-one-with-dementia-it-takes-a-unique-toll-249361">original article</a>.</em></p> <p><em>Image: Shutterstock</em></p> </div>

Caring

"Love you": John Farnham spotted in rare public appearance for milestone occasion

<p>Music legend John Farnham has marked a joyful occasion as he joined family and friends to celebrate his wife Jillian’s 70th birthday in Melbourne. The intimate gathering took place on Tuesday evening at the renowned Italian restaurant, Florentino, where love, laughter and music filled the air.</p> <p>Seated beside his beloved wife of 51 years, Farnham radiated happiness, enjoying the company of his closest loved ones. The evening was made even more special with heartfelt live performances and a touching photo montage that honoured Jillian’s life and the couple’s enduring love story.</p> <p>Adding a moment of lighthearted humour, accordion maestro Hans managed to elicit a grin from Farnham when he jokingly offered to play one of the singer’s iconic hits. Their son, Robert, captured the essence of the night with a heartfelt social media post, sharing a picture from the evening and the simple yet touching words: “Happy birthday 70th to mum, Love you.”</p> <p>This joyous occasion comes as Farnham, 75, continues to embrace life after receiving the “all clear” in his well-publicised battle with cancer. Having undergone a major surgery in August 2022 to remove a tumour from his mouth and reconstruct his jaw, the legendary performer has shown incredible resilience. His son James shared an update earlier this year, reassuring fans that his father was “doing really well, walking around, kicking goals... and, of course, annoying mum.”</p> <p>Jillian, whose unwavering support played a crucial role in Farnham’s health journey, previously recounted in her memoir, <em>The Voice Inside</em>, how she urged him to seek medical advice before his diagnosis. “He had a big white mass on the inside of his cheek, and you could physically see it,” she wrote. “For several months I was saying to him, ‘Let’s go see about that thing in your mouth,’ and he’d say, ‘No, it’s alright, it’s alright, it’s alright.’” Eventually, her persistence led him to seek medical attention, ultimately saving his life.</p> <p>Adding to the excitement in the Farnham household, the family is eagerly anticipating a new arrival. James and his partner, Tessa, are expecting a baby boy, a new chapter that fills them all with joy. James, thrilled at the prospect of fatherhood, said: “We’re all really excited, another little Farnham on the way. I can’t wait to take him up to the farm and get Dad to teach him everything he taught me.”</p> <p>For Farnham, whose music has been the soundtrack of Australian life for decades, family remains his greatest treasure. </p> <p><em>Image: Instagram</em></p>

Family & Pets

Home and Away icon bids farewell after 33 years

<p>In news that has sent shockwaves through lounge rooms across the country, Lynne McGranger, the heart and soul of <em>Home and Away</em>, is preparing to hang up her iconic apron and bid farewell to her beloved character, Irene Roberts.</p> <p>After an impressive 33 years of delivering heartfelt performances, dishing out sage advice and reminding every misbehaving local to "listen here, girlie", McGranger will be making her emotional exit later this year.</p> <p>Seven has promised fans that Irene’s departure will be one for the history books – no, not via the usual dramatic Summer Bay methods of freak storms, runaway cars or inexplicable amnesia, but an “emotional exit” that “cannot be missed”.</p> <p>While details are tightly under wraps, we can only speculate: Will Irene sail off into the sunset? Open a surf club for wayward teens? Or finally take that well-earned break from all the Summer Bay chaos and settle somewhere where people aren’t constantly getting lost at sea?</p> <p>Fans, naturally, have been left reeling. Social media has been flooded with messages of heartbreak, nostalgia and a desperate plea for Irene to return – even if only for a guest appearance or as a ghostly vision (a <em>Home and Away</em> classic).</p> <p>Lynne herself has spoken out about the farewell, calling it “bittersweet” to leave a role that has been not just a job, but a family. "After almost 33 years in my dream role and working every day with people I love, respect and whom I now consider family, it’s bittersweet to be closing the chapter on what has been the best and longest gig of my life,” she said.</p> <p>Ever the class act, Lynne expressed gratitude to the crew, writers and, of course, the fans – those who have stuck by Irene through every high, low and dramatic face-off at the Diner.</p> <p>And let’s not forget Irene’s legendary status. <em>TV Week</em> readers ranked her as the second Greatest Australian TV Character of All Time (although we suspect if the voting had been left solely to <em>Home and Away</em> die-hards, she’d have taken the crown).</p> <p>Julie McGauran, <em>Home and Away</em>’s Executive Producer, summed it up best: “Lynne’s extraordinary portrayal of down-to-earth Irene Roberts is why the character is held with such great affection by fans around the world.”</p> <p>Despite wrapping up filming in March, Irene will still grace our screens for months to come – enough time for fans to prepare themselves emotionally (and stock up on tissues). In the meantime, Lynne will return to the stage with her comedy show, "The Grandparents Club", proving that she has no plans to slow down anytime soon.</p> <p>The farewell will undoubtedly be a tearjerker, but if we know anything about Irene Roberts, she’ll be leaving Summer Bay the same way she lived in it: with heart, humour and a no-nonsense attitude.</p> <p>As one fan put it perfectly, "Now listen here, girlie, you are going to be missed soooo much."</p> <p>And that, as they say, is the bottom line.</p> <p><em>Image: Instagram</em></p>

Best hotels in Australia revealed

<p>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.</p> <p>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.</p> <p>According to Forbes, the Star Rating system "emphasises service because your experience at a hotel, restaurant or spa goes beyond looks".</p> <p>Over 2000 hotels, experiences, restaurants and cruises were named on the global list, with nine Aussie winners featuring in the prestigious list. </p> <p>The only property in the country to receive a 5-star accommodation rating in the 2025 Forbes Travel Guide was Crown Towers in Perth. </p> <p>Touted as "the pinnacle of Perth luxury", Forbes described the property as "Perth's most extravagant stay. Exuding understated glamour."</p> <p>In the spa category the Crown Spa Perth, which is tucked away in Crown Towers Perth, was awarded 4-stars for its "unbridled opulence".</p> <p>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. </p> <p>Check out the list below.</p> <p>9. The Langham - Sydney</p> <p>8. Park Hyatt - Sydney</p> <p>7. Park Hyatt - Melbourne </p> <p>6. Capella - Sydney</p> <p>5. Como The Treasury - Perth</p> <p>4. The Darling Spa - Sydney</p> <p>3. The Darling - Sydney </p> <p>2. Crown Spa - Perth</p> <p>1. Crown Towers - Perth</p> <p><em>Image credits: Crown Hotels</em></p> <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;"> </p>

Domestic Travel

Readers response: Are there any celebrity biographies or memoirs you’ve read and loved?

<p>We asked our reader if there are there any celebrity biographies or memoirs they have read and loved, and the response was overwhelming. Here's what they said. </p> <p><strong>Sarah Hayse-Gregson</strong> - I have read so many, I just loved them all. The one that gave me a fit of the giggles was David Niven’s Bring on the Empty Horses.</p> <p><strong>Marie Jones</strong> - Jimmy Barnes, what a life.</p> <p><strong>Lorraine Henshaw</strong> - Sidney Poitier. I loved him!</p> <p><strong>Michelle Carr </strong>- John Farnham, Jelena Dokic, Tina Turner.</p> <p><strong>Margaret Hosking</strong> - Poirot and Me by David Suchet, and Margot Fonteyn: A Life by Meredith Daneman. Both excellent!!</p> <p><strong>Janet Courtney</strong> - Sister Vivian Bullwinkle who survived being shot by the Japanese on Banka Island during WWII and being taken as a POW.</p> <p><strong>Lindy Joso Kolega</strong> - Ahn Do, The Happiest Refugee.</p> <p><strong>Val Goodwin</strong> - David Niven, The Moon's A Balloon.</p> <p><strong>Lorraine Masters</strong> - Clark Gable, Kamahl, JOK, Sarah Henderson, Debbie Reynolds.....just name a few. I love biographies.</p> <p><strong>Christine Conforth</strong> - Keith Richard’s was interesting.</p> <p><em>Image credits: Shutterstock </em></p>

Books

Tourists explain why they love “overrated” capital cities

<p dir="ltr">A group of travellers have explained why they love some capital cities that are often dubbed as “overrated”. </p> <p dir="ltr">On a dedicated travel thread on Reddit, one person asked the question, “Which capital city gets a lot of hate that you loved visiting?” which welcomed an influx of responses. </p> <p dir="ltr">A few capital cities were mentioned several times, one of which being the Greece capital of Athens. </p> <p dir="ltr">One Reddit user said they “avoided” Athens for a long time “because all I heard was negativity about it”.</p> <p dir="ltr">However, when they “finally went”, they say they “loved it” and “can't wait to go back”. </p> <p dir="ltr">Another person said they actually “loved” the city's “gritty feel” adding, “Incredible history at every turn, delicious affordable food, fun bars, cool music venues, neighbourhoods full of character and beautiful viewpoints.”</p> <p dir="ltr">Another capital that was mentioned was the Norwegian capital of Oslo, with one person saying the Scandinavian city was perfect for a short getaway. </p> <p dir="ltr">They wrote, “I’m not advising anyone to go for a long time but for a weekend trip, it’s lovely. The seaside is great with lots of beautiful modern architecture, the old town is picturesque, lots of trendy new places to eat and drink, some old castles to walk to and in general a really nice vibe and very walkable.”</p> <p dir="ltr">Washington D.C. was also mentioned with many people defending the city, with one person claiming “it’s generally other Americans who hate it.”</p> <p dir="ltr">One person wrote of the city, “We have great museums, food, way more nature than you’d expect for a city, and incredible music and dance scenes. It’s not just insufferable bureaucracy and politics.”</p> <p dir="ltr">The Belgian capital of Brussels was also mentioned, with the city often copping a lot of flack amongst travellers. </p> <p dir="ltr">However, many were quick to defend the city, as one person wrote,”I loved Brussels, it’s beautiful in places, has amazing museums, great beer, the EU Parliament is really interesting and the Atomium is awesome.”</p> <p dir="ltr"><em>Image credits: Shutterstock </em></p> <p> </p>

International Travel

Want your loved ones to inherit your super? Here’s why you can’t afford to skip this one step

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/tobias-barkley-1271340">Tobias Barkley</a>, <a href="https://theconversation.com/institutions/la-trobe-university-842">La Trobe University</a></em></p> <p>What happens to our super when we die? Most Australians have superannuation accounts but about <a href="https://www.austlii.edu.au/cgi-bin/viewdoc/au/journals/SydLawRw/2024/10.html#Heading24">one in five</a> of us die before we can retire and actually enjoy that money.</p> <p>If we do die early our money is paid out as super “death benefits”. They can be substantial. Even people who die young can have $200,000–$300,000 of death benefits through <a href="https://moneysmart.gov.au/how-life-insurance-works/insurance-through-super">super life insurance</a>.</p> <p>Death benefits have recently been in the news for all the wrong reasons. Last week <a href="https://ministers.treasury.gov.au/ministers/jim-chalmers-2022/media-releases/mandatory-service-standards-superannuation-industry">the Treasurer Jim Chalmers</a> expressed concern about delays paying out death benefits.</p> <p><a href="https://lawcouncil.au/resources/submissions/proposed-reform-to-superannuation-death-benefits">The Law Council</a> is concerned people do not have enough control over how death benefits are distributed. <a href="https://www.watoday.com.au/national/western-australia/championing-for-molly-perth-mum-s-milestone-in-her-quest-for-justice-20241206-p5kwiu.html">Others are devastated</a> about death benefits being paid to alleged violent partners.</p> <h2>How can you decide who gets your unspent super?</h2> <p>Our first thought might be writing it in our will. However, super is not covered by our will as it does not become part of our <a href="https://www.austlii.edu.au/cgi-bin/viewdoc/au/cases/cth/FCA/2001/1535.html">deceased estate</a>.</p> <p>Instead, death benefits are distributed by the trustee of your superannuation fund. Under the law, there are two main mechanisms controlling distribution: <a href="https://www.australiansuper.com/superannuation/access-your-super-early/nominate-a-beneficiary#:%7E:text=A%20binding%20nomination%20instructs%20AustralianSuper,the%20date%20we%20accept%20it.&text=Lapsing%20binding%20nomination%20%E2%80%93%20This%20nomination,date%20you%20sign%20the%20form.">binding nominations</a> and the trustee’s discretion.</p> <p>Every super member has the option to create a binding nomination. It’s like a will for your super that the super trustee is obliged to follow. It also needs two witnesses to execute it. However, there are actually more ways for a binding nomination to fail than for a will to fail.</p> <p>The law only allows you to nominate certain people: your “<a href="https://www.lawsociety.com.au/resources/resources/my-practice-area/elder-law/superannuation-FAQs#collapse_165">dependants</a>” or your estate. If you nominate anyone else your entire nomination stops being binding. Plus, unlike wills, there is no way to fix execution errors. Also, many binding nominations expire after three years.</p> <p>If you don’t have a binding nomination, then the trustee can choose who your death benefit goes to. There are two main mechanisms controlling how the trustee chooses who gets your death benefit.</p> <p>First, <a href="https://treasury.gov.au/sites/default/files/2019-03/c2019-t371937-discussion-paper.pdf">legislation</a> requires the trustee to give the death benefit to your dependants or deceased estate before anyone else. This means that your parents, for example, will only receive something if you have no children, partner or other dependants.</p> <p>Second, decisions made by trustees can be disputed by complaining to the <a href="https://www.afca.org.au/">Australian Financial Complaints Authority (AFCA)</a>. The authority has a rigid approach to who should get death benefits and trustees usually follow this course of action.</p> <p><a href="https://openjournals.library.sydney.edu.au/SLR/article/view/20199">Research I’ve done with Xia Li</a> of La Trobe University reveals what AFCA does in practice.</p> <p>Most crucially, people’s wishes expressed in non-binding nominations were essentially ignored. Our research found there was no statistically significant association between being nominated in a non-binding nomination and receiving any of the death benefit. This was true even for recent nominations.</p> <p>Other factors the complaints authority ignores are family violence and financial need. In one case, five daughters provided evidence, including a police report, that their deceased mother was a victim of violence perpetrated by her new partner. <a href="https://service02.afca.org.au/CaseFiles/FOSSIC/701195.pdf">In keeping with the Federal Court, AFCA gave the alleged perpetrator</a> everything because he alone would have benefited from the deceased’s finances if she had lived.</p> <p>In another case, <a href="https://service02.afca.org.au/CaseFiles/FOSSIC/874050.pdf">the deceased’s adult son received nothing</a> despite living with disability and “doing it tough”. He had refused financial help so was not financially dependent. AFCA gave everything to the partner.</p> <p>AFCA ignores these factors because of one key issue. It places “<a href="https://service02.afca.org.au/CaseFiles/FOSSIC/832049.pdf">great weight</a>” on whether beneficiaries are financially dependent on the deceased.</p> <p>This means when choosing between a financial dependent – such as a new partner who shares home expenses with the deceased, and non-financial dependants, such as most adult children – AFCA will almost always give everything to the spouse.</p> <p>Relying on financial dependence can be arbitrary. Unlike in family law, a de facto partner <a href="http://www.austlii.edu.au/cgi-bin/viewdoc/au/legis/cth/consol_act/sia1993473/s10.html#spouse">does not need to be living with you for two years</a> before becoming entitled. For example, <a href="https://service02.afca.org.au/CaseFiles/FOSSIC/753556.pdf">in one case AFCA gave a partner of possibly only seven months</a> (and 41 years younger than the deceased) everything and the deceased’s three children aged 27–33 nothing.</p> <p>Also, AFCA treats any regular payment that supports daily living as financial dependence. For example, <a href="https://service02.afca.org.au/CaseFiles/FOSSIC/714258.pdf">a son paying A$100 a week board to parents means both parents are financially dependent on the son</a>. In another case, payments from the deceased to his brother of $5,000, $7,000 and $5,000 made over a year <a href="https://service02.afca.org.au/CaseFiles/FOSSIC/842323.pdf">was not financial dependence because they were irregular</a>.</p> <p>The whole process is slow. The average time it takes to resolve a death benefit case that goes to AFCA is nearly <a href="https://www.austlii.edu.au/cgi-bin/viewdoc/au/journals/SydLawRw/2024/10.html#Heading248">three years and the longest case I’ve seen took over six</a>.</p> <p>The only thing that you can do that will make a difference is execute a binding nomination; non-binding nominations are worthless.</p> <p>But take care to execute your binding nomination correctly (get legal advice) and leave reminders for yourself to review it every three years.<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/248019/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><a href="https://theconversation.com/profiles/tobias-barkley-1271340"><em>Tobias Barkley</em></a><em>, Lecturer, <a href="https://theconversation.com/institutions/la-trobe-university-842">La Trobe University</a></em></p> <p><em>Image credits: Shutterstock</em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/want-your-loved-ones-to-inherit-your-super-heres-why-you-cant-afford-to-skip-this-one-step-248019">original article</a>.</em></p> </div>

Money & Banking

Share the love this Valentine’s Day with L’Occitane

<p dir="ltr">With Valentine’s Day just around the corner, it's time to think about treating the one you love most to something special. </p> <p dir="ltr">Luckily, <a href="https://au.loccitane.com/FleursdeCerisier.html">L’Occitane’s</a> new limited edition range has something for everyone. </p> <p dir="ltr">Featuring a limited edition fragrance inspired by the blooming Cherry Blossoms and Vineflowers of Provence, the feminine, floral, and fruity scent transports you to a springtime stroll.</p> <p dir="ltr">With six new products in the new Fleurs De Cerisier range, the fragrance combines fresh top notes of mandarin and white muscat, with a heart of cherry blossom and green grapevine flowers, leaving a soft, sensual dry-down of rosewood and white musks.</p> <p dir="ltr">The range features an Eau de Toilette perfume, a hair and body Mist, a body lotion, a hand cream, and of course, L’Occitane’s iconic shower oil. </p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-permalink="https://www.instagram.com/reel/DFKkRlZyYY5/?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/DFKkRlZyYY5/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by L’Occitane en Provence | ANZ (@loccitaneanz)</a></p> </div> </blockquote> <p dir="ltr">For those who can’t decide, the Visite En Provence Fragrance Collection comes with a fresh mist, a fragrance and a hand cream to keep you covered. </p> <p dir="ltr">The stunning collection ranges from $29 to $125, boasting something for shoppers on every budget. </p> <p dir="ltr">With its delicate yet captivating scent, this collection will make any Valentine’s Day moment smell and feel extra special.</p> <p dir="ltr"><em>Image credits: Shutterstock / Instagram </em></p> <p> </p>

Beauty & Style

Kyle and Jackie O's $200 million contract death clause revealed

<p>Kyle Sandilands and Jackie ‘O’ Henderson have revealed the grim death clause in their individual contracts.</p> <p>In November 2023, the longtime KIISFM hosts signed a monster $200 million deal with Australian Radio Network (ARN) that will see them remain on airwaves until 2034, each pocketing a minimum of $10 million per year.</p> <p>However, added to the whopping sum come a series of unique clauses.</p> <p>Speaking candidly on Thursday morning's show, Kyle and Jackie O opened up about what would happen to the show if one of them were to die, and they each had different stipulations.</p> <p>“They [lawyers] did ring me when they were doing this new deal and said ‘Jackie wants this [death] clause’,” Sandilands said. “I said, ‘I’ve had this for years.’”</p> <p>As part of Henderson’s contract, the host specified she’d want the option to leave the show if Sandilands passed away.</p> <p>“I don’t know if I would want to do it with someone else,” Henderson told her co-host.</p> <p>“Aw, bless you,” Sandilands said, before savagely responding, "We drop your name. I get your income.”</p> <p>“I’d just soldier on without you. I wouldn’t like it, [but] I wouldn’t want to let that great bit of content die on the vine. I’d rather be on-air crying.”</p> <p>Elsewhere, Sandilands said it was stated in his contract he would only fly via private jet or first class if he was required to work overseas, while admitting that many of their contract clauses are "beyond belief”.</p> <p><em>Image credits: KIISFM</em></p>

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