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Sleep divorce: could sleeping separately from your partner lead to a better night’s rest?

<div class="theconversation-article-body"> <p>Hundreds of years ago, it was common for married couples among the European upper classes to have separate bedrooms. Sleeping separately was a <a href="https://www.bedstar.co.uk/sleep-talk/queens-and-kings-separate-beds.html">symbol of luxury and status</a> historically reserved for royalty and the very wealthy.</p> <p>Nowadays, it’s common for married couples and other couples in relationships to sleep in the same bed. But sometimes – for reasons from conflicting schedules to snoring to sleep talking – couples might choose to sleep separately in pursuit of a better night’s sleep.</p> <p>This is known as “sleep divorce”. Though I prefer the term “sleep separation”, as this doesn’t have to be a permanent arrangement – but more on that later.</p> <p>So why might couples choose to sleep separately? And what does the evidence say about the effects on sleep quality if you sleep alone versus with a partner?</p> <h2>Why do couples opt for a sleep separation?</h2> <p>Couples may choose to sleep apart if one partner’s sleep is disturbing the other’s, or both are disrupting one another. This can happen for a variety of reasons.</p> <p>These include waking up frequently in the night, mismatched body clocks (for example, one person coming to bed later than the other), conflicting schedules (for example, shift workers), snoring, twitching legs or sleep talking.</p> <p>Parents with babies and young children may choose to sleep separately to avoid both partners’ sleep being disturbed.</p> <p>Those with conflicting preferences for sleeping environments, such as one partner liking a cool room with a fan and the other preferring warmth, may also decide to sleep apart.</p> <h2>What are the benefits of sleeping alone?</h2> <p>Many couples <a href="https://pubmed.ncbi.nlm.nih.gov/22609123/">say they prefer</a> to sleep – and sleep better – next to their partner.</p> <p>But when scientists measure sleep objectively, such as via an electroencephalogram (EEG) to assess brain waves, the data actually shows <a href="https://pubmed.ncbi.nlm.nih.gov/22609123/">poorer sleep quality</a> when co-sleeping. So sleeping alone may, in fact, mean better quality and longer sleep.</p> <p>Research also shows when one member of the couple has a sleep disorder, such as insomnia or <a href="https://www.healthdirect.gov.au/obstructive-sleep-apnoea">sleep apnoea</a> (where breathing is frequently interrupted during sleep), these people often inadvertently <a href="https://pubmed.ncbi.nlm.nih.gov/10818830/">wake up their partner</a> <a href="https://pubmed.ncbi.nlm.nih.gov/31553049/">when they wake</a> in the night. So sleeping alone could be a good idea if your bed partner has a sleep disorder.</p> <p>What’s more, <a href="https://journals.sagepub.com/doi/abs/10.1177/02654075231193449">studies have found</a> <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC2644899/">sleep disturbances</a> are linked to <a href="https://pubmed.ncbi.nlm.nih.gov/15164910/">reduced relationship satisfaction</a>. So sleeping apart could actually mean happier couples.</p> <p>Finally, anyone who has struggled with their sleep will know anxiety around sleep is common. Many clients I have seen who experience insomnia report sleeping alone can alleviate some of their anxiety because at least they know they won’t disturb, or be disturbed by, their partner.</p> <h2>Are there any downsides to separate sleeping arrangements?</h2> <p>Some people dislike sleeping alone, reporting comfort, and feelings of safety and protection when sleeping alongside their partner – and loneliness when they don’t.</p> <p>Sleeping separately also requires two rooms, or at least two beds. Many couples may not have these options available to them in their home.</p> <p>Sleeping separately is <a href="https://www.abc.net.au/news/2023-06-22/couples-on-why-they-love-sleeping-separately/102448812">often stigmatised</a>, with some people seeing it as the death of a couple’s sex life. But while sleeping in separate beds may provide fewer opportunities for sex, this doesn’t necessarily mean the end of intimacy.</p> <p>Sleeping apart could mean some couples actually have more sex. We know better sleep is linked to more <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC2644899/">positive feelings about relationships</a>, so it’s possible the desire to be intimate could increase after a good night’s sleep in separate beds. Sleeping apart may even mean some couples have more energy to be intimate.</p> <p>Nonetheless, if you choose to sleep separately from your partner, it’s important to have an open discussion and prioritise opportunities for connection and intimacy. One client I worked with referred to “visiting rights” where her partner came into her bed for a short period before sleep or in the morning.</p> <h2>Who should potentially consider a sleep separation?</h2> <p>You may wish to think about a “sleep separation” if you are disturbing each other’s sleep, have young children, or have different preferences in terms of temperature, light and noise, which are causing issues.</p> <p>Ultimately, if sleeping in the same bed is leading to poor sleep then sleeping apart, if it’s possible, could help.</p> <p>If you can’t sleep separately there may be other ways to reduce disturbance from a partner such as using an eye mask, white noise or earplugs.</p> <p>If you decide to try a sleep separation, remember this can be a flexible arrangement or “re-set” and doesn’t have to be permanent, or every night. Some couples find sleeping separately during the working week but sharing a bed on the weekend works well for them.</p> <p>Lastly, it’s important to talk to your GP about any persistent sleep problems, such as snoring, insomnia, or unusual behaviour during sleep (for example, shouting or walking around), as there may be an underlying sleep disorder which needs treating.<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/258085/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em>By <a href="https://theconversation.com/profiles/alix-mellor-2406858">Alix Mellor</a>, Research Fellow, Psychology, <a href="https://theconversation.com/institutions/monash-university-1065">Monash University</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/sleep-divorce-could-sleeping-separately-from-your-partner-lead-to-a-better-nights-rest-258085">original article</a>.</em></p> <p><em>Image: Pexels / </em><em>Kampus Production</em></p> </div>

Relationships

Hero dad jumps overboard to save daughter who fell from Disney cruise ship

<p>A father and his daughter were rescued from the ocean after falling overboard from a Disney Cruise Line ship on Sunday afternoon, prompting praise for the ship’s crew and relief among passengers who witnessed the ordeal unfold in real time.</p> <p>The incident occurred aboard the <em>Disney Dream</em> as it sailed on a roundtrip voyage between Florida and the Bahamas. Passenger Gar Frantz said he was on the fourth-floor deck when he saw the child, who had been sitting on the ship’s railing while the father took a picture, fall into the water.</p> <p>“Then the child fell overboard,” Frantz recalled. “We watched it, you could see two little things ... it was crazy, it was horrific.”</p> <p>The father reportedly jumped in immediately after the child in an effort to save her.</p> <p>Fellow passenger Gail Merrick was playing bingo when she noticed a sudden commotion outside. “We came to find out that it was a child and then the father had gone in after the child, so we were watching with bated breath basically waiting for what would happen,” she told <em>NBC News</em>.</p> <p>Merrick said she saw a yellow rescue boat with crew members being deployed, and the <em>Disney Dream</em> itself made a sharp turn to return to the spot. According to Disney, the two guests were recovered within minutes.</p> <p>“We commend our Crew Members for their exceptional skills and prompt actions, which ensured the safe return of both guests to the ship,” Disney said in a statement. “We are committed to the safety and wellbeing of our guests, and this incident highlights the effectiveness of our safety protocols.”</p> <p>Disney did not provide any identifying details about the guests or clarify how far into the journey the ship was when the fall occurred.</p> <p>Passenger James Tackett said he felt the ship lurch into a sharp turn before hearing what had happened. “When they did officially get the people, everyone cheered,” he said. “It was a good moment.”</p> <p>His mother, Brenda Tackett, who was also onboard, praised the crew’s swift and professional response.</p> <p>“You could tell they’ve practiced this – hopefully have never used it before – but they were great,” she said. “The whole thing was maybe 10, 15 minutes and they safely got back on board.”</p> <p>Disney After the rescue, the <em>Disney Dream</em> resumed its journey. “Thankfully it turned out positive,” Merrick said, “and we were able to enjoy the rest of the cruise.”</p> <p><em>Images: Disney Dream / NBC News</em></p>

Travel Trouble

Neighbours star splits from billionaire husband

<p>Former <em>Neighbours</em> actress and pop star Holly Valance has reportedly split from her husband, billionaire property developer and Reform UK treasurer Nick Candy, after 13 years of marriage.</p> <p>According to <em>The Sun</em>, the couple parted ways in recent weeks and are heading for divorce. Valance, 42, and Candy, 52, married in 2012 in a star-studded ceremony in California attended by 300 guests. They share two daughters.</p> <p>“This has been a very difficult period for both Nick and Holly, and they are keeping things private out of respect for their family,” a family friend told the newspaper. “The joint parenting of their two amazing daughters remains their top priority.”</p> <p>“They’ve had to juggle a demanding lifestyle. Between family, public life, and Nick’s intense work commitments, it’s been a tough balance,” the source added. “This is a family matter and they’re doing their best to handle things thoughtfully.”</p> <p>A spokesperson for Valance said there would be no official comment, adding: “The privacy of all parties involved is respectfully requested.”</p> <p>The couple are known for their political connections and involvement with Reform UK. In 2022, they visited former US President Donald Trump at his Mar-a-Lago resort, accompanied by party leader Nigel Farage.</p> <p>Valance first rose to fame playing Felicity ‘Flick’ Scully on <em>Neighbours</em> before launching a successful pop career, including her chart-topping debut single “Kiss Kiss” in 2002. She later appeared in a string of television and film roles and reached the semi-finals of <em>Strictly Come Dancing</em> in 2011.</p> <p>Candy is one half of the high-profile Candy brothers, renowned for developing luxury properties in London.</p> <p><em>Image: Woman's Weekly</em></p>

Relationships

"Her light touched millions": TV chef found dead at home

<p>Beloved chef and television personality Anne Burrell has died at the age of 55, leaving fans, colleagues and loved ones heartbroken.</p> <p>The Food Network star was found unconscious at her Brooklyn home on Tuesday morning, local time, and was pronounced dead at the scene by emergency services, according to the New York Police Department. The cause of her death has not yet been determined, with authorities confirming that an investigation is ongoing.</p> <p>Burrell’s family shared a moving statement, remembering her as a “beloved wife, sister, daughter, stepmother, and friend”.</p> <p>“Her smile lit up every room she entered,” the statement read. “Anne’s light radiated far beyond those she knew, touching millions across the world. Though she is no longer with us, her warmth, spirit and boundless love remain eternal.”</p> <p>The Food Network also paid tribute to the culinary icon, describing Burrell as “a remarkable person and culinary talent – teaching, competing and always sharing the importance of food in her life and the joy that a delicious meal can bring.”</p> <p>“Our thoughts are with Anne’s family, friends and fans during this time of tremendous loss,” the network’s statement continued.</p> <p>Burrell’s sudden passing came just days after she shared a cheerful selfie on Instagram, appearing happy and healthy. Known for her signature spiky blonde hair and vibrant personality, Burrell built a career that inspired home cooks and professionals alike.</p> <p>She married Stuart Claxton in 2021, becoming stepmother to his son, Javier. The couple wed in Burrell’s hometown of Cazenovia, New York, in a ceremony filled with joy and personal touches that reflected her zest for life.</p> <p>A graduate of the Culinary Institute of America, Burrell honed her craft in Italy before returning to the US, where she worked in renowned kitchens and later taught at the Institute of Culinary Education. Her television break came as a sous chef on <em>Iron Chef America</em> in 2005, followed by her own show, <em>Secrets of a Restaurant Chef</em>, which ran for eight seasons. She also became a familiar face on <em>Worst Cooks in America, Chopped, Chef Wanted</em>, and other Food Network programs.</p> <p>Only months before her death, Burrell welcomed viewers into her colourful Brooklyn loft, a space she described with characteristic humour and charm. “Everything here is a little crooked, and I think that suits me just well,” she said at the time. “I think I’m a little crooked, so I feel right at home here.”</p> <p>Anne Burrell’s sudden loss leaves a void in the culinary world, but her influence – and the joy she found in sharing her passion for food – will not be forgotten.</p> <p><em>Images: Instagram</em></p>

Caring

"Priceless and precious" war medals found in landfill

<p>A set of treasured war medals has been rescued from the brink of destruction at the Gatton Landfill west of Brisbane – all thanks to the sharp eyes and quick instincts of a local council worker.</p> <p>Tim, a heavy machinery operator at the site, was carrying out his usual duties recently when something out of the ordinary caught his attention in a pile of general waste. Amidst the discarded household items and rubbish, he noticed a small, unusual-looking container. Curious, he paused his work to investigate further and reported the find to his supervisor.</p> <p>What he discovered inside the box was nothing short of remarkable – four official war medals, still in pristine condition, tucked away as though forgotten. The medals, believed to be decades old, were likely of great sentimental and historical value to their rightful owner.</p> <p>“This was a wonderful stroke of luck,” said Lockyer Valley Regional <span style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;">Councillor Julie Reck, who holds the Waste Portfolio for the region. “If it hadn’t been for Tim, these priceless and precious medals would have wound up in landfill, likely never to be seen again.”</span></p> <p>Recognising the importance of the find, Council staff acted quickly to trace the medals’ origins. Within days, they were able to track down the family to whom the medals belonged and arrange for their safe return.</p> <p>The grateful owners were reportedly overwhelmed with emotion to have the medals – symbols of service and sacrifice – back in their possession.</p> <p>Councillor Reck praised Tim’s attentiveness and initiative, adding that this story is a timely reminder of how small actions can make a big difference.</p> <p>“It’s moments like these that show how much people care, even in the most unexpected places,” she said. “We're so proud of Tim and the whole team for handling the discovery with such care and respect.”</p> <p>While landfills are not usually associated with good news, this rare find proves that even in the unlikeliest of places, treasures – and touching stories – can still be uncovered.</p> <p><em>Images: Lockyer Valley Regional Council </em></p>

Home & Garden

Millions of Aussies set for a payrise

<p>Millions of low-paid Australian workers will receive a wage boost from July 1, after the Fair Work Commission (FWC) announced a 3.5 per cent increase to minimum and award wages.</p> <p>The decision affects around 2.9 million workers and will lift the national minimum wage from $24.10 to $24.94 an hour – a weekly increase of nearly $32 for full-time employees.</p> <p>The FWC’s ruling strikes a middle ground between competing demands from unions and business groups. The Australian Council of Trade Unions (ACTU) had pushed for a 4.5 per cent rise, citing the need to help workers keep up with the cost of living, while employer groups including the Australian Chamber of Commerce and Industry had argued for a more modest 2.5 per cent hike.</p> <p>The 3.5 per cent rise is slightly below last year’s 3.75 per cent decision, but still exceeds the current annual inflation rate of 2.4 per cent. With the Reserve Bank forecasting inflation to rise to 3.1 per cent by mid-2026 as government energy subsidies wind down, the FWC’s decision offers workers a modest real wage increase.</p> <p>ACTU Secretary Sally McManus said the decision was a lifeline for workers living paycheque to paycheque. “When you’re on those wages, you’re not saving money. Everything you earn, you spend,” she said. “It’s about whether you can keep up with your bills or not, whether your life gets slightly better, stays the same, or goes backwards.”</p> <p>The ACTU had argued that sustained low wage growth in recent years had left many workers falling behind, and that the time had come for wages to catch up. McManus pointed to productivity improvements in sectors such as hospitality and retail – where many award-dependent workers are employed – as justification for a stronger rise.</p> <p>“The commission previously has said, ‘yes, these workers need to catch up, we’ve just got to wait for the right time’. We say now is the right time,” she said.</p> <p>But employer groups warned the decision will pile pressure on businesses already grappling with rising costs and weak consumer spending. The Council of Small Business Organisations Australia, representing many of the nation’s cafes, restaurants and retail stores, argued a 4.5 per cent jump could have triggered job losses or even business closures.</p> <p>“Anything higher than 2.5 per cent would place unsustainable pressure on small businesses, potentially leading to reduced employment opportunities, business closures, and broader economic harm,” the council said in its submission.</p> <p>The federal government stopped short of recommending a specific number, but called for a “sustainable” increase that would keep wages ahead of inflation without undermining economic stability.</p> <p>AMP chief economist Shane Oliver had forecast the 3.5 per cent increase, suggesting it would give workers a real wage gain without fanning the flames of inflation. “It strikes a balance between supporting household spending power and avoiding a wage-price spiral,” he said.</p> <p>While union leaders expressed disappointment that the rise wasn’t higher, the decision is broadly seen as a compromise designed to support both workers and businesses amid a fragile economic recovery.</p> <p><em>Image: Shutterstock</em></p>

Money & Banking

From tragedy to joy: Channel 9 star shares baby news

<p>In a beautiful announcement that has touched hearts across the country, 9News Perth presenter Tracy Vo has shared the joyful news that she and husband Liam Connolly are expecting a baby girl – their rainbow baby – due on October 7.</p> <p>The couple’s exciting news comes just months after they experienced the devastating loss of their son, James, when Vo was five months pregnant in 2024. Now, the couple is embracing hope and healing with the anticipation of a new chapter in their lives.</p> <p>“We had some extra baggage during our Vietnam adventure,” Vo shared on Instagram, accompanied by a radiant photo. “Our rainbow baby is due in Spring 🌈 We can’t wait to meet our baby girl and Sophia is excited to be a big sister. We know our boy James is looking after his little sister already 🤍.”</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/DKQjHGYTHqE/?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/DKQjHGYTHqE/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by Tracy Vo (@tracy_vo)</a></p> </div> </blockquote> <p>The due date carries a special significance – October 7 marks Tracy and Liam’s second wedding anniversary. “We were like, ‘Oh, well, it’s meant to be!’” she <a href="https://honey.nine.com.au/parenting/irena-gilbert-pregnancy-after-loss-no-one-tells-you-experience-rainbow-baby-anxiety-regret/6a00d6cd-32a8-47fd-82ff-9c414a1bfe47" target="_blank" rel="noopener">told 9News</a>.</p> <p>Vo, 41, opened up about the complex emotions that come with expecting after loss, describing their journey as “cautiously excited”. She and Liam waited until 21 weeks to share the news with loved ones, choosing to keep it close as they processed both hope and anxiety.</p> <p>“I think as the months go on it becomes more real and a step closer to having our little girl in our arms,” she said. “We’re just counting down those weeks.”</p> <p>Tracy says the experience has brought her and Liam even closer, strengthening their marriage through shared grief, healing and unwavering support.</p> <p>“I’m very grateful that Liam was a huge support,” she said. “We also had a great support network as well – our family, our friends.”</p> <p>The couple gently shared the happy news with Connolly’s six-year-old daughter, Sophia, by giving her a teddy bear that revealed the baby’s gender. Now eagerly preparing to be a big sister, Sophia is joining the family in their excitement.</p> <p>As for pregnancy cravings? “Cookies and ice cream,” Tracy revealed. “And then oranges. I’m just loving oranges. I could just eat oranges all day!”</p> <p>Vo hopes their story brings comfort and encouragement to others who have experienced pregnancy loss. Since sharing her journey, she has received messages from people with similar stories – all bound by strength.</p> <p>“Hopefully it just spreads the hope and the love for people out there,” Vo said.</p> <p><em>Images: Instagram</em></p>

Family & Pets

Major bank announces huge home loan rate cut

<p>The Commonwealth Bank of Australia (CBA) will reduce its fixed-rate home loans by up to 0.40 percentage points across all terms starting Friday, following a 0.25 percentage point cut to its variable rate in response to the Reserve Bank of Australia’s (RBA) recent cash rate reduction.</p> <p>The new rates will see CBA’s lowest fixed offering set at 5.49% for a three-year term. Despite the move, experts say the cuts are unlikely to spark a surge in homeowners locking in their mortgages.</p> <p>Sally Tindall, data insights director at Canstar.com.au, said the rate adjustments bring CBA closer to its major bank competitors but aren’t enough to significantly shift consumer behaviour.</p> <p>“CBA’s fixed rate cuts aren’t groundbreaking, but rather a bid to inch closer to its key competitors,” Tindall said. “Fixed rates have been falling fairly consistently this year, and we expect this activity will continue as banks price in the increasing likelihood of further cash rate cuts.”</p> <p>While CBA’s new rates mark progress, rivals remain more competitive. ANZ holds the lowest one- and two-year fixed rates among the big four banks, while National Australia Bank (NAB) continues to offer the most attractive three-, four-, and five-year fixed terms.</p> <p>Tindall also noted that with only a slim margin – just 0.10 percentage points – between current fixed and variable rates, many borrowers will likely hold off from locking in.</p> <p>“With the possibility of further RBA cuts ramping up, it’s hard to see many people jumping at the chance to lock up their mortgage for the next three years,” she said. “The majors might have to offer a fixed rate in the ‘4’s’ if they’re serious about getting people to lock in.”</p> <p>Canstar’s latest data shows a flurry of activity across the lending sector since the RBA’s decision. Twenty lenders have reduced at least one fixed rate this month, and five major lenders, excluding CBA, have already made cuts.</p> <p>Among them, BOQ, Community First Bank, Police Bank and Queensland Country Bank now offer at least one fixed rate below 5%, setting the benchmark at 4.99%.</p> <p>Tindall urged borrowers to carefully consider their financial situation and risk appetite when deciding between fixed and variable rates. “If you’re deciding between a fixed or variable rate, understand what might suit your finances and, to some extent, your personality. When you make a decision, take the time to look for a competitive rate,” she said.</p> <p>While the trend suggests fixed rates will continue to fall, CBA's latest move clearly shows the intense competition in the home loan market – one that still leaves many Australians hesitant to commit.</p> <p><em>Image: Supplied</em></p>

Money & Banking

More people are trying medicinal cannabis for chronic pain. But does it work?

<div class="theconversation-article-body"> <p>More Australians than ever are being prescribed <a href="https://www.betterhealth.vic.gov.au/health/conditionsandtreatments/medicinal-cannabis">medicinal cannabis</a>.</p> <p>Medicinal cannabis refers to legally prescribed cannabis products. These are either the plant itself, or naturally occurring ingredients extracted from the plant. These ingredients, such as THC (tetrahydrocannabinol) and CBD (cannabidiol), are called cannabinoids. Some cannabinoids are also made in labs to act like the ones in the plant.</p> <p>Medicinal cannabis comes in different forms, such as oils, capsules, dried flower (used in a vaporiser), sprays and edible forms such as gummies.</p> <p>Since regulatory changes in 2016 made medicinal cannabis more accessible, Australia’s regulator has issued <a href="https://dashboard-data.health.gov.au/single/?appid=1066afbe-2b37-427d-8c47-2caa5082cccc&sheet=088f611b-10de-4d72-be68-ccf8d12c54e9&select=clearall">more than 700,000 approvals</a>. (But approvals for medicinal cannabis don’t reflect the actual number of patients treated. One patient may have multiple approvals, and not all approved products are necessarily prescribed or supplied.)</p> <p>Around half of the approvals have been for chronic pain that isn’t caused by cancer.</p> <p>In Australia, chronic pain affects around <a href="https://www.aihw.gov.au/reports/chronic-disease/chronic-pain-in-australia/summary">one in five</a> Australians aged 45 and over, with an enormous impact on people’s lives.</p> <p>So what does the current evidence tell us about the effectiveness of medicinal cannabis for chronic pain?</p> <h2>What the evidence shows</h2> <p>A <a href="https://www.bmj.com/content/374/bmj.n1034">2021 review of 32 randomised controlled trials</a> involving nearly 5,200 people with chronic pain, examined the effects of medicinal cannabis or cannabinoids. The study found a small improvements in pain and physical functioning compared with a placebo.</p> <p>A <a href="https://pubmed.ncbi.nlm.nih.gov/29847469/">previous review</a> found that to achieve a 30% reduction in pain for one person, 24 people would need to be treated with medicinal cannabis.</p> <p>The 2021 review also <a href="https://www.bmj.com/content/374/bmj.n1034">found</a> small improvements in sleep, and no consistent benefits for other quality of life measures, consistent with <a href="https://pubmed.ncbi.nlm.nih.gov/29847469/">previous reviews</a>.</p> <p>This doesn’t mean medicinal cannabis doesn’t help anyone. But it suggests that, on average, the benefits are limited to a smaller number of people.</p> <p>Many pain specialists have <a href="https://theconversation.com/medicinal-cannabis-to-manage-chronic-pain-we-dont-have-evidence-it-works-157324">questioned</a> if the evidence for medicinal cannabis is sufficient to support its use for pain.</p> <p>The <a href="https://www.choosingwisely.org.au/recommendations/fpm6">Faculty of Pain Medicine</a>, the professional body dedicated to the training and education of specialist pain physicians, recommends medical cannabis should be limited to clinical trials.</p> <h2>What does the regulator say?</h2> <p>Guidance from Australia’s regulator, the <a href="https://www.tga.gov.au/products/unapproved-therapeutic-goods/medicinal-cannabis-hub/medicinal-cannabis-guidance-documents/guidance-use-medicinal-cannabis-treatment-chronic-non-cancer-pain-australia">Therapeutic Goods Administration</a> (TGA), on medicinal cannabis for chronic non-cancer pain reflects these uncertainties.</p> <p>The TGA states there is limited evidence medicinal cannabis provides clinically significant pain relief for many pain conditions. Therefore, the potential benefits versus harms should be considered patient-by-patient.</p> <p>The TGA says medicinal cannabis should only be trialled when other standard therapies have been tried and did not provide enough pain relief.</p> <p>In terms of which type of medical cannabis product to use, due to concerns about the safety of inhaled cannabis, the TGA considers pharmaceutical-grade products (such as nabiximols or extracts containing THC and/or CBD) to be safer.</p> <h2>What about people who say it helps?</h2> <p>This evidence may feel at odds with the experiences of people who report relief from medicinal cannabis.</p> <p>In clinical practice, it’s common for individuals to respond differently based on their health conditions, beliefs and many other factors. What works well for one person may not work for another.</p> <p>Research helps us understand what outcomes are typical or expected for most people, but there is variation. Some people may find medicinal cannabis improves their pain, sleep or general well-being – especially if other treatments haven’t helped.</p> <h2>What are the side effects and risks?</h2> <p>Like any medicine, medicinal cannabis has <a href="https://www.tga.gov.au/products/unapproved-therapeutic-goods/medicinal-cannabis-hub/medicinal-cannabis-guidance-documents/guidance-use-medicinal-cannabis-treatment-chronic-non-cancer-pain-australia#s9">potential side effects</a>. These are usually mild to moderate, including drowsiness or sedation, dizziness, impaired concentration, a dry mouth, nausea and cognitive slowing.</p> <p>These side effects are often greater with higher-potency THC products. These are becoming more common on the Australian market. High-potency THC products represent <a href="https://dashboard-data.health.gov.au/single/?appid=1066afbe-2b37-427d-8c47-2caa5082cccc&sheet=088f611b-10de-4d72-be68-ccf8d12c54e9&select=clearall">more than half of approvals in 2025</a>.</p> <p>In research studies, generally <a href="https://pubmed.ncbi.nlm.nih.gov/29847469/">more people experience side effects</a> than report benefits from medical cannabis.</p> <p>Medical cannabis can also <a href="https://pubmed.ncbi.nlm.nih.gov/36317739/">interact with other medications</a>, especially those that cause drowsiness (such as opioids), medicines for mental illness, anti-epileptics, blood thinners and immunosuppressants.</p> <p>Even cannabidiol (CBD), which isn’t considered intoxicating like THC, has been linked to serious drug interactions.</p> <p>These risks are greater when cannabis is prescribed by a doctor who doesn’t regularly manage the patient’s chronic pain or isn’t in contact with their other health-care providers. Since medicinal cannabis is often prescribed through separate telehealth clinics, this fragmented care may increase the risk of harmful interactions.</p> <p>Another concern is developing cannabis use disorder (commonly understood as “addiction”). A 2024 study found <a href="https://www.sciencedirect.com/science/article/pii/S0376871624001844?via%3Dihub">one in four people</a> using medical cannabis develop a cannabis use disorder. Withdrawal symptoms – such as irritability, sleep problems, or cravings – can occur with frequent and heavy use.</p> <p>For some people, tolerance can also develop with long-term use, meaning you need to take higher doses to get the same effect. This can increase the risk of developing a cannabis use disorder.</p> <h2>How does it compare to other treatments?</h2> <p>Like many <a href="https://www.healthdirect.gov.au/chronic-pain">medicines for chronic pain</a>, the effectiveness of medicinal cannabis is modest, and is not recommended as a sole treatment.</p> <p>There’s good evidence that, for conditions like back pain, interventions such as exercise, cognitive behavioural therapy and pain self-management education can <a href="https://theconversation.com/do-any-non-drug-treatments-help-back-pain-heres-what-the-evidence-says-253122">help</a> and may have fewer risks than many medicines.</p> <p>But there are challenges with how accessible and affordable these treatments are for many Australians, <a href="https://www1.racgp.org.au/getattachment/e0603085-695c-4fbb-b7d9-ba77057e5a97/Management-of-chronic-pain-in-a-rural-Australian-s.aspx">especially outside major cities</a>.</p> <h2>So where does this leave patients?</h2> <p>The growing use of medicinal cannabis for chronic pain reflects both a high burden of pain in the community and gaps in access to effective care. While some patients report benefits, the current evidence suggests these are likely to be small for most people, and must be weighed against the risks.</p> <p>If you are considering medicinal cannabis, it’s important to talk to your usual health-care provider, ideally one familiar with your full medical history, to help you decide the best approaches to help manage your pain.<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/256471/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em>By <a href="https://theconversation.com/profiles/suzanne-nielsen-35849">Suzanne Nielsen</a>, Professor and Deputy Director, Monash Addiction Research Centre, <a href="https://theconversation.com/institutions/monash-university-1065">Monash University</a> and <a href="https://theconversation.com/profiles/myfanwy-graham-2392855">Myfanwy Graham</a>, NHMRC Postgraduate Scholar and Fulbright Alumna in Public Health Policy, <a href="https://theconversation.com/institutions/monash-university-1065">Monash University</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-people-are-trying-medicinal-cannabis-for-chronic-pain-but-does-it-work-256471">original article</a>.</em></p> <p><em>Image: </em></p> </div>

Caring

Bindi shares heartbreaking update from hospital bed

<p>Beloved Aussie conservationist Bindi Irwin has updated fans following a recent health scare that saw her <a href="https://www.oversixty.com.au/health/caring/bindi-irwin-rushed-to-hospital-in-the-us" target="_blank" rel="noopener">rushed to hospital</a> during a trip to Las Vegas. The 26-year-old was in the city to attend the annual Steve Irwin Gala Dinner, held in honour of her late father, when she was suddenly hospitalised.</p> <p>In a heartfelt video recorded from her hospital bed, Irwin addressed her concerned followers, expressing gratitude for the outpouring of support she’s received.</p> <p>“Hey guys, Bindi here. I just wanted to thank you so much for your incredible well wishes. I just got out of surgery about an hour ago,” she said in the clip, visibly groggy but smiling.</p> <p>Irwin revealed the extent of her medical ordeal, explaining that doctors had removed her appendix and discovered 14 new endometriosis lesions, which were also excised. Additionally, surgeons repaired a hernia during the operation.</p> <p>“I’m sorry if I’m a little out of it in this video,” she said, “but I just wanted you to know that I’m on the road to recovery one step at a time and I am so lucky to have so much love in my life from my beautiful family.”</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/DJkni9ypEfA/?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/DJkni9ypEfA/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by Bindi Irwin (@bindisueirwin)</a></p> </div> </blockquote> <p>Her younger brother, Robert Irwin, 21, confirmed that Bindi’s appendix had ruptured, calling the situation an unexpected shock for the family. Speaking from the gala event, where he stepped in for his sister, he told reporters: “She’s going to be OK, but surgery – out of all the things we were ready for, that was not one of them.”</p> <p>This is not the first time Irwin has opened up about her health. In March 2023, she publicly shared her struggle with endometriosis, a painful condition in which tissue similar to the uterine lining grows outside the uterus, often causing chronic pain and fatigue. At the time, she underwent surgery and disclosed that doctors had removed 37 lesions and a large ovarian cyst, commonly referred to as a “chocolate cyst”.</p> <p>“Going in for surgery was scary but I knew I couldn’t live like I was,” she said last year. “Every part of my life was getting torn apart because of the pain.”</p> <p>She also recalled the sobering words of her doctor post-operation: “How did you live with this much pain?”</p> <p>Bindi’s family has rallied around her once again, with brother Robert writing under her latest post, “Stay strong Bindi! Love you!” Her husband of five years, Chandler Powell, also commented: “Strongest person I know.”</p> <p><em>Image: Instagram</em></p>

Caring

When can you expect to benefit from Albanese's election promises?

<p>Following the sweeping victory for Prime Minister Anthony Albanese and the Labor Party over the weekend, Australians are now looking to the government to deliver on a suite of cost-of-living promises aimed at easing financial pressures across the country.</p> <p>Finance expert and Money editor Effie Zahos told the <em>Today</em> show that the scale of the Labor win should pave the way for campaign commitments to be swiftly translated into policy. "The strength of the government's win should make the passage from promise into law a lot easier," Zahos said. "And there were so many promises made – everything from a two-year beer tax freeze to a new 1800 Medicare line."</p> <p>Among the most anticipated reforms is a no-receipt $1000 tax deduction for work-related expenses, set to roll out on July 1 next financial year. Zahos described the measure as an "exciting" step in a broader tax overhaul, but she also offered a word of caution: "This is a tax deduction, not a refund. So how much you get will come down to your tax bracket. Assuming you're on a 30 per cent tax rate, your relief will be $300."</p> <p>The Albanese government estimates around six million Australians will benefit, with average savings of $205 per person. However, a broader income tax cut for those earning between $45,000 and $80,201 – reducing the rate from 16 per cent to 14 per cent – won't take effect until July 1, 2027.</p> <p><strong>Housing and Construction Promises</strong></p> <p>On the housing front, the government has committed to enabling five per cent deposits for home buyers and offering shared equity loans, starting July 1. However, Zahos noted that implementation could vary. "The shared equity one still is uncertain because they've got to be pushed out through the states as well," she said.</p> <p>Additional measures include the construction of 100,000 new homes and a $10,000 bonus for apprentice tradies such as bricklayers, electricians, carpenters, and plumbers living away from home. The bonus will be distributed in $2000 instalments beginning in the new financial year.</p> <p><strong>Support for Students and Parents</strong></p> <p>In a bid to appeal to younger voters, the government has pledged to cut 20 per cent off student HELP debts before June 1. The move is expected to reduce the average student loan by more than $5000. </p> <p>From January 5, 2026, parents will be entitled to three days of subsidised childcare per week – a policy that removes the activity test, meaning employment will no longer be a requirement for access.</p> <p><strong>Energy Relief on the Horizon</strong></p> <p>Households can also expect temporary relief on energy costs, with rebates and a 30 per cent discount on home batteries starting from July 1. But Zahos warned these benefits will expire by the end of 2025. "And then the pain will continue," she said, hinting at the ongoing challenges Australians face despite the short-term reprieve.</p> <p>With expectations high and timelines tight, all eyes are now on the Albanese government to turn its electoral promises into tangible support for everyday Australians.</p> <p><em>Image: ABC News</em></p> <p> </p>

Money & Banking

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

<div class="theconversation-article-body"> <p>It would be impossible at this stage in the election campaign to be unaware that housing is a critical, potentially vote-changing, issue. But the suite of policies being proposed by the <a href="https://theconversation.com/how-do-the-coalition-and-labor-plans-on-housing-differ-and-what-have-they-ignored-253337">major parties</a> largely focus on young, first home buyers.</p> <p>What is glaringly noticeable is the lack of measures to improve availability and affordability for older people.</p> <p>Modern older lives are diverse, yet older people have become too easily pigeonholed. No more so than in respect to property, where a perception has flourished that older people own more than their fair share of housing wealth.</p> <p>While the value of housing has no doubt increased, home <a href="https://www.aihw.gov.au/reports/australias-welfare/home-ownership-and-housing-tenure#:%7E:text=The%20home%20ownership%20rate%20of,compared%20with%2036%25%20in%202021.">ownership rates</a> among people reaching retirement age has actually declined since the mid-1990s.</p> <p>Older people can also face <a href="https://www.anglicare.asn.au/research-advocacy/rental-affordability/">rental stress and homelessness</a> – with almost 20,000 <a href="https://www.abs.gov.au/statistics/people/housing/estimating-homelessness-census/latest-release">homeless people</a> in Australia aged over 55. Severe housing stress is a key contributing to those homelessness figures.</p> <p>It’s easy to blame older Australians for causing, or exacerbating, the housing crisis. But doing so ignores the fact that right now, our housing system is badly failing many older people too.</p> <h2>No age limits</h2> <p>Owning a home has traditionally provided financial security for retirees, especially ones relying on the age pension. This is so much so, that home ownership is sometimes described as the “fourth pillar” of Australia’s retirement system.</p> <p>But housing has become more expensive – to rent or buy – for everyone.</p> <p>Falling rates of <a href="https://grattan.edu.au/report/money-in-retirement/">home ownership</a> combined with carriage of mortgage debt into retirement, restricted access to shrinking stocks of social housing, and lack of housing affordability in the private rental market have a particular impact on older people.</p> <h2>Housing rethink</h2> <p>Housing policy for older Australians has mostly focused on age-specific options, such as retirement villages and aged care. Taking such a limited view excludes other potential solutions from across the broader housing system that should be considered.</p> <p>Furthermore, not all older people want to live in a retirement village, and fewer than <a href="https://www.abs.gov.au/statistics/health/disability/disability-ageing-and-carers-australia-summary-findings/latest-release#:%7E:text=5.5%20million%20Australians%20(21.4%25),a%20profound%20or%20severe%20disability.">5% of older people</a> live in residential aged care.</p> <p>During my <a href="https://www.churchilltrust.com.au/fellow/victoria-cornell-sa-2019/">Churchill Fellowship study</a> exploring alternative, affordable models of housing for older people, I discovered three cultural themes that are stopping us from having a productive conversation about housing for older people.</p> <ul> <li> <p>Australia’s tradition of home ownership undervalues renting and treats housing as a commodity, not a basic need. This disadvantages older renters and those on low income.</p> </li> <li> <p>There’s a stigma regarding welfare in Australia, which influences who is seen as “deserving” and shapes the policy responses.</p> </li> <li> <p>While widely encouraged, “ageing-in-place” means different things to different people. It can include formal facilities or the family home that needs modifications to make it habitable as someone ages.</p> </li> </ul> <p>These themes are firmly entrenched, often driven by policy narratives such as the primacy of home ownership over renting. In the past 50 years or so, many have come to view welfare, such as social housing, as a <a href="https://www.ahuri.edu.au/research/final-reports/390">last resort</a>, and have aimed to age in their family home or move into a “desirable” retirement village.</p> <h2>Variety is key</h2> <p>A more flexible approach could deliver housing for older Australians that is more varied in design, cost and investment models.</p> <p>The promises made so far by political parties to help younger home buyers are welcome. However, the housing system is a complex beast and there is no single quick fix solution.</p> <p>First and foremost, a national housing and homelessness plan is required, which also involves the states and territories. The plan must include explicit consideration of housing options for older people.</p> <p>Funding for housing developments needs to be more flexible in terms of public-private sector investment and direct government assistance that goes beyond first home buyer incentives.</p> <h2>International models</h2> <p>For inspiration, we could look to Denmark, which has developed numerous <a href="https://www.spatialagency.net/database/co-housing">co-housing communities</a>.</p> <p>Co-housing models generally involve self-managing communities where residents have their own private, self-contained home, supported by communal facilities and spaces. They can be developed and designed by the owner or by a social housing provider. They can be age-specific or multi-generational.</p> <p>Funding flexibility, planning and design are key to their success. Institutional investors include</p> <ul> <li> <p>so-called impact investors, who seek social returns and often accept lower financial returns</p> </li> <li> <p>community housing providers</p> </li> <li> <p>member-based organisations, such as mutuals and co-operatives.</p> </li> </ul> <p>Government also plays a part by expediting the development process and providing new pathways to more affordable ownership and rental options.</p> <p>Europe is also leading the way on social housing, where cultural attitudes are different from here.</p> <p>In Vienna, Austria, more than 60% of residents live in 440,000 <a href="https://www.wienerwohnen.at/wiener-gemeindebau/municipal-housing-in-vienna.html">socially provided homes</a>. These homes are available for a person’s entire life, with appropriate age-related modifications permitted if required.</p> <p>At over 20% of the total housing stock, <a href="https://lbf.dk/om-lbf/english-the-danish-social-housing-model/">social housing</a> is also a large sector in Denmark, where the state and municipalities support the construction of non-profit housing.</p> <h2>Overcoming stereotyes</h2> <p>Our population is ageing rapidly, and more older people are now renting or facing housing insecurity.</p> <p>If policymakers continue to ignore their housing needs, even more older people will be at risk of living on the street, and as a result will suffer poor health and social isolation.</p> <p>Overcoming stereotypes - such as the idea that all older people are wealthy homeowners - is key to building fairer, more inclusive solutions.</p> <p>This isn’t just about older Australians. It’s about creating a housing system that works for everyone, at every stage of life.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/255391/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em>By <a href="https://theconversation.com/profiles/victoria-cornell-2372746">Victoria Cornell</a>, Research Fellow, <a href="https://theconversation.com/institutions/flinders-university-972">Flinders University</a></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/older-australians-are-also-hurting-from-the-housing-crisis-where-are-the-election-policies-to-help-them-255391">original article</a>.</em></p> <p><em>Image: Shutterstock</em></p> </div>

Money & Banking

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

<p>There are many reasons why you may look to refinance your home. The obvious one is to lower mortgage repayments with a better rate. However, other reasons people refinance later in life include:</p> <ul> <li>unlocking equity to invest</li> <li>paying down other debts</li> <li>buying a holiday home</li> <li>funding extended travel</li> <li>launching a new business</li> <li>supporting children with a property deposit</li> </ul> <p>Regardless of why you want to refinance, the points below will help you navigate your options.</p> <p><strong>Changing lenders</strong></p> <p>It may have been a while since you last revisited your mortgage, meaning you may not be aware of current lending options and traps.</p> <p>A common trick lenders use is the so-called “headline rate” to grab your attention. However, this interest rate is typically not what you end up paying. It may only be an introductory rate for the first few months, or hefty fees attached may wipe out any savings.</p> <p>Banks aren’t the only ones offering loans nowadays. Registered non-bank lenders, fintechs and online lenders can refinance your mortgage and provide other credit services the same as any bank; they just don’t take cash deposits. Alternatively, you could explore credit unions and mutual societies.</p> <p>Also consider any shareholder benefits you may have. Most banks have done away with them now but may still honour pre-existing ones. If you change lenders, you could lose this entitlement – permanently.</p> <p><strong>Reverse mortgages</strong></p> <p>Generally, only available to people aged 60-plus, a reverse mortgage effectively allows you to unlock equity in your home without you needing to make immediate repayments.</p> <p>However, they often have strict conditions including:</p> <ul> <li>minimum borrowing amounts</li> <li>maximum borrowing ratios</li> <li>higher interest rates than standard mortgages</li> </ul> <p>Crucially, the interest accrues over time and is repaid when you sell, move or pass away. As such, your debt liability grows over time – potentially impacting your future living arrangements and how much is left for beneficiaries in your will. The Govt has the “loan equity scheme” as another option to lenders. I just want to highlight the need to be careful with reverse mortgages.</p> <p><strong>Changing homes</strong></p> <p>Rather than selling, downsizing could involve making an investment property your primary residence and then renting out your existing home.</p> <p>This approach may require you to refinance both loans simultaneously. There will also be tax considerations to work through – including Capital Gains Tax liabilities when you do sell, negative gearing, depreciation, and changes to your income tax.</p> <p>Then there are the lifestyle factors to weigh up, especially if you are moving to a different area:</p> <ul> <li>living expenses</li> <li>insurance and travel costs</li> <li>access to healthcare</li> <li>rental income</li> <li>property management expenses</li> </ul> <p>Remember that if you have a Self Managed Super Fund (SMSF), it CANNOT own any property that you directly use yourself, including your home.</p> <p><strong>Becoming Bank of Mum and Dad</strong></p> <p>Refinancing can unlock equity to support adult children with their first property deposit. However, it isn’t without its risks.</p> <p>Ask yourself honestly:</p> <ul> <li>Will this be a gift or loan?</li> <li>If a loan, under what terms? Will interest be applied? How and when will repayments be made? What if they default?</li> <li>What happens if their relationship breaks down, will you get your money back?</li> <li>How does going without that money affect your retirement?</li> <li>Do you have alternative assets to support you if your circumstances change?</li> <li>How does this affect inheritances or deposit contributions to your other children?</li> <li>Can you assist them another way without using your home equity?</li> </ul> <p>Draw up a written agreement outlining all conditions and scenarios to avoid disagreements in the future.</p> <p><strong>Pension impacts</strong></p> <p>Don’t overlook how refinancing your home could impact your pension. While your home is exempt from the means test, any income or assets you generate from unlocking equity is not.</p> <p>You could inadvertently see your pension amount reduced or your eligibility voided altogether. This would come as a nasty shock if you haven’t pre-budgeted for such a change!</p> <p><strong>Getting advice</strong></p> <p>To ensure you get the best bang for your buck when refinancing, be sure to enlist the help of a good:</p> <ul> <li>mortgage broker to source the best loans for your circumstances</li> <li>insurance broker to ensure your cover is right sized for your needs, risk and budget</li> <li>accountant to work through any tax implications</li> <li>estate planner to manage any changes</li> <li>financial adviser to keep your investments and financial strategy working for you</li> </ul> <p>Ultimately, decisions – including about refinancing – are only as good the information you have at hand. So, make sure you have all the relevant facts before signing on the dotted line.</p> <p><em><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, Money For Life: How to build financial security from firm foundations (Major Street Publishing $32.99). Helen is among the 1% of financial planners who hold a master’s degree in the field. Proceeds from book sales are donated to charities supporting disadvantaged women and children. Find out more at </span><a style="color: #467886;" title="http://www.onyourowntwofeet.com.au/" href="http://www.onyourowntwofeet.com.au/"><span style="line-height: 18.4px; font-family: Calibri, sans-serif;">www.onyourowntwofeet.com.au</span></a></em></p> <p><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></p>

Money & Banking

Do stem cell injections for knee osteoarthritis actually work?

<div class="theconversation-article-body">More than 500 million people around the world <a href="https://www.thelancet.com/journals/lanrhe/article/PIIS2665-9913(23)00163-7/fulltext">live with osteoarthritis</a>. The knee is affected more often than any other joint, with symptoms (such as pain, stiffness and reduced movement) affecting work, sleep, sport and <a href="https://www.aihw.gov.au/reports/chronic-musculoskeletal-conditions/osteoarthritis">daily activities</a>.</p> <p>Knee osteoarthritis is often thought of as thinning of the protective layer of cartilage within the joint. But we now understand it affects all the structures of the joint, including the bones, muscles and nerve endings.</p> <p>While there are things that <a href="https://www.safetyandquality.gov.au/standards/clinical-care-standards/osteoarthritis-knee-clinical-care-standard/information-consumers-osteoarthritis-knee-clinical-care-standard">can be done to manage</a> the symptoms of knee osteoarthritis, there is no cure, and many people experience persistent pain. As a result, an opportunity exists for <a href="https://www.rheuma.com.au/stem-cell-therapy-good-bad-ugly/174">as yet unproven treatments</a> to enter the market, often before regulatory safeguards can be put in place.</p> <p>Stem cell injections are one such treatment. A <a href="https://www.cochranelibrary.com/cdsr/doi/10.1002/14651858.CD013342.pub2">new review</a> my colleagues and I published this week finds that evidence of their benefits and harms remains elusive.</p> <h2>Stem cell treatments</h2> <p>Stem cells are already established as treatments for some diseases – <a href="https://www.lymphoma.org.au/lymphoma/treatments/stem-cell-transplants/autologous-stem-cell-transplant/">mostly disorders of the blood</a>, bone marrow or immune system – which has led to suggestions they could be used for a much wider array of conditions.</p> <p>Stem cells have been touted as promising treatments for osteoarthritis because they have special properties which allow them to replicate and develop into the mature healthy cells that make up our body’s organs and other tissues, including cartilage.</p> <p>Stem cell treatments for osteoarthritis generally involve <a href="https://www.aboutstemcells.org/treatments">taking a sample of tissue</a> from a site that is rich in stem cells (such as bone marrow or fat), treating it to increase the number of stem cells, then injecting it into the joint.</p> <p>The hope is that if the right type of stem cells can be introduced into an osteoarthritic joint in the right way and at the right time, they may help to repair damaged structures in the joint, or have other effects such as reducing inflammation.</p> <p>But no matter how convincing the theory, we need good evidence for effectiveness and safety before a new therapy is adopted into practice.</p> <p>Stem cell injections have not been approved by Australia’s <a href="https://www.tga.gov.au/news/news/stem-cell-treatments-and-regulation-quick-guide-consumers#:%7E:text=Does%20the%20TGA%20regulate%20stem,does%20not%20regulate%20medical%20practice">Therapeutic Goods Administration</a> for the treatment of osteoarthritis. Nonetheless, some clinics in Australia and around the world still offer them.</p> <p>Because of the regulatory restrictions, we don’t have reliable numbers on how many procedures are being done.</p> <p>They’re not covered by Medicare, so the procedure can cost the consumer thousands of dollars.</p> <p>And, as with any invasive procedure, both the <a href="https://coroners.nsw.gov.au/documents/findings/2016/Findings%20Drysdale.pdf">harvest of stem cells</a> and the joint injection procedure may carry the potential for harm, such as infection.</p> <h2>What we found</h2> <p>Our <a href="https://www.cochranelibrary.com/cdsr/doi/10.1002/14651858.CD013342.pub2">new review</a>, published by the independent, international group the Cochrane Collaboration, looks at all 25 randomised trials of stem cell injections for knee osteoarthritis that have been conducted worldwide to date. Collectively, these studies involved 1,341 participants.</p> <p>We found stem cell injections may slightly improve pain and function compared with a placebo injection, but the size of the improvement may be too small for the patient to notice.</p> <p>The evidence isn’t strong enough to determine whether there is any improvement in quality of life following a stem cell injection, whether cartilage regrows, or to estimate the risk of harm.</p> <p>This means we can’t confidently say yet whether any improvement that might follow a stem cell injection is worth the risk (or the cost).</p> <h2>Hope or hype?</h2> <p>It’s not surprising we invest hope in finding a transformative treatment for such a common and disabling condition. Belief in the benefits of stem cells is widespread – more than <a href="https://www.arthroscopyjournal.org/article/S0749-8063(21)00571-5/abstract">three-quarters of Americans</a> believe stem cells can relieve arthritis pain and more than half believe this treatment to be curative.</p> <p>But what happens if a new treatment is introduced to practice before it has been clearly proven to be safe and effective?</p> <p>The use of an unproven, invasive therapy is not just associated with the risks of the intervention itself. Even if the treatment were harmless, there is the risk of unnecessary cost, inconvenience, and a missed opportunity for the patient to use existing therapies that are known to be effective.</p> <p>What’s more, if we need to play catch-up to try to establish an evidence base for a treatment that’s already in practice, we risk diverting scarce research resources towards a therapy that may not prove to be effective, simply because the genie is out of the bottle.</p> <h2>Working towards a clearer answer</h2> <p>Several more large <a href="https://anzctr.org.au/Trial/Registration/TrialReview.aspx?ACTRN=12620000870954">clinical trials</a> are currently underway, and should increase our understanding of whether stem cell injections are safe and effective for knee osteoarthritis.</p> <p>Our review incorporates “<a href="https://www.cochrane.org/news/cochranes-pioneering-role-living-evidence">living evidence</a>”. This means we will continue to add the results of new trials as soon as they’re published, so the review is always up to date, and offers a comprehensive and trustworthy summary to help people with osteoarthritis and their health-care providers to make informed decisions.</p> <p>In the meantime, there are a number of <a href="https://www.racgp.org.au/clinical-resources/clinical-guidelines/key-racgp-guidelines/view-all-racgp-guidelines/knee-and-hip-osteoarthritis/summary-plain-language">evidence-based treatment options</a>. Non-drug treatments such as physiotherapy, regular exercise, maintaining a healthy weight, and cognitive behavioural therapy can be more effective than you think. Anti-inflammatory and pain medications can also play a supporting role.</p> <p>Importantly, it’s not inevitable that osteoarthritic joints get worse with time. So, even though <a href="https://aoanjrr.sahmri.com/background">joint replacement surgery</a> is often highly effective, it’s the last resort and fortunately, many people never need to take this step.<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/253404/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em>By <a href="https://theconversation.com/profiles/samuel-whittle-2357927">Samuel Whittle</a>, ANZMUSC Practitioner Fellow, <a href="https://theconversation.com/institutions/monash-university-1065">Monash University</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/people-are-getting-costly-stem-cell-injections-for-knee-osteoarthritis-but-we-dont-know-if-they-work-253404">original article</a>.</em></p> <p><em>Image: Shutterstock</em></p> </div>

Body

Labor’s in with a fighting chance, but must work around an unpopular leader

<div class="theconversation-article-body"> <p>The Albanese government has a fighting chance of winning the 2025 election, but will need to achieve in five weeks of campaigning what it hasn’t in three years in office. That is, work out a narrative explaining what it’s about and that can persuade Australians to back it for a second term.</p> <p>Convincing voters that electing a Peter Dutton-led Coalition government would be risky is the other essential element for a Labor victory – a task made easier by the evident chaos arising from the Trump administration’s recent actions in the US.</p> <p>The main Coalition promises announced ahead of the election being called were to start a nuclear power industry, slash the public service and, without explaining how, cut immigration. These policies are sufficiently Trumpesque in tone to lend some credence to Labor insinuations that Dutton could be a mini-Trump if elected.</p> <p>Attacks on Dutton’s integrity and policy credibility have improved Labor’s position in the run-up to the election. With Prime Minister Anthony Albanese somewhat lifting his performance this year, and getting Dutton slightly off balance, the trend is perceived to be moving Labor’s way.</p> <p>Government insiders hope the 2025 election will mimic the 1998 election, where the incumbent government survived despite losing the two party-preferred vote 48.5% to the opposition’s 51.5%. This paradoxical outcome, which saw the Howard government survive, was because the swing to the Beazley Labor opposition was concentrated in seats the opposition already held, rather than those it needed to win office.</p> <p>There’s little room for complacency, though.</p> <p>A handkerchief-sized set of policies such as Dutton’s did not stop opposition leader John Howard winning the 1996 election. Nor did a campaign built entirely on a three-pronged slogan stop opposition leader Tony Abbott winning the 2013 election.</p> <p>Labor will need to do deliberately what it did on the fly last time, when opposition leader Albanese got COVID during the 2022 campaign. That is, showcase attractive and articulate Labor frontbenchers to glow up, by association, an unloved leader.</p> <p>Both Albanese and Dutton have negative net approval ratings and are a drag on each of their party’s vote. In the <a href="https://theconversation.com/anthony-albanese-gains-in-newspoll-but-the-race-remains-neck-and-neck-251352">latest Newspoll</a> before the election was called, Albanese was on –12% and Dutton on –14%.</p> <p>An aggregate analysis of Newspoll by state and gender, covering the three months in the run up to the election, underlines the problem.</p> <p>Both leaders had double digit net negative approval ratings in every state except Queensland, where Dutton has a positive net rating of 9%. Both leaders have negative net approval ratings by gender, though Albanese’s (men –16%, women –18%) is worse than Dutton’s (men –8%, women –15%).</p> <p>Albanese has been famously indifferent to advice in the government’s first term. He long resisted the urgings of some cabinet colleagues to <a href="https://www.abc.net.au/news/2024-02-27/stage-three-tax-cut-changes-pass-senate/103519338">restructure the stage 3 tax cuts</a> legislated by the Morrison government, for example, until the need for a mid-term political circuit-breaker made him budge.</p> <p>However, the risk of not getting a second term will make the prime minister more open to the advice of senior colleagues, ALP national secretary Paul Erickson, and party elders during the campaign.</p> <p>Albanese’s solution to all problems, as one Labor figure puts it, is to “apply more Albo”.</p> <p>Since voters rate Labor more highly than its leader, however, “more Albo” during the campaign is not the answer.</p> <p>Effective communicators such as Treasurer Jim Chalmers, Environment Minister Tanya Plibersek, Finance Minister Katy Gallagher, Education Minister Jason Clare, Housing Minister Clare O'Neil, Home Affairs Minister Tony Burke and Employment Minister Murray Watt must be showcased.</p> <p>Their job is to embody an implicit promise that inside the Albanese government there’s a better one waiting to break out, and through that to stir voters’ hopes.</p> <p>So if the Albanese government can finally work out its story and get the message out via frontbenchers to whom voters are willing to listen, it could get across concrete promises that make them want to give it another go.</p> <p>What those concrete policy promises are will, of course, be crucially important.</p> <p>Labor has a tremendous challenge ahead. When up against one of the worst governments since Federation – that led by prime minister Scott Morrison – Albanese Labor won with a majority of just two seats in 2022.</p> <figure><iframe src="https://www.youtube.com/embed/BenaVvL8BbE?wmode=transparent&start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe></figure> <p>Voters have accorded new governments a second term at every federal poll since Federation, with the exception of the Depression-era 1931 election. But in 2025, this is far from assured.</p> <p>The unusual situation is partly a product of what systems thinkers describe as an “eroding goals” problem.</p> <p>After the loss of the Voice referendum campaign, the government’s leadership quickly conditioned Labor MPs to settle for the likelihood of minority government after the 2025 election. Now that election is here, and there are real fears even this lower hurdle might not be achieved.</p> <p>Having a leader who can do both the substance and theatre of politics is crucial to winning elections. If people don’t want to listen to you, the best government policies and performance can’t be communicated, recognised and rewarded.</p> <p>Having the right people in key portfolios is another. The prime minister prioritised the containment of potential leadership rivals over party and the national interest in some portfolio allocation decisions. This hurt the government’s performance and disappointed voters.</p> <p>Australians have signalled in repeated polls that they believe neither the current Labor prime minister nor the current Coalition alternative prime minister are up to the job.</p> <p>It is striking that the major parties, which claim to listen to voters, disrespect those voters by offering them deeply unpopular choices for prime minister. The spraying of votes to minor parties and independent candidates evident at the 2022 election could well accelerate as a consequence.</p> <p>People and parties often seem to be determined to learn the hard way. Now the election is here, Labor needs to tack around its shortcomings in this term of office and convincingly project there’s better ahead to win.<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/248663/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em>By <a href="https://theconversation.com/profiles/chris-wallace-314481">Chris Wallace</a>, Professor, School of Politics Economics & Society, Faculty of Business Government & Law, <a href="https://theconversation.com/institutions/university-of-canberra-865">University of Canberra</a></em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/labors-in-with-a-fighting-chance-but-must-work-around-an-unpopular-leader-248663">original article</a>.</em></p> <p><em>Image: Instagram</em></p> </div>

Legal

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>

Why do I grieve my childhood home so much now we’ve sold it?

<div class="theconversation-article-body"> <p>Grief can hit us in powerful and unanticipated ways. You might expect to grieve a person, a pet or even a former version of yourself – but many people are surprised by the depth of sad yearning they can feel after selling the childhood home.</p> <p>In fact, it is <a href="https://link.springer.com/article/10.1007/s10615-018-0682-5">normal to grieve a place</a>. And this grief can be especially profound if it coincides with a parent dying or moving into residential aged care, leading to the sale of their house.</p> <p>Grief is the response to the loss of anything to which we have an emotional connection. A <a href="https://link.springer.com/article/10.1007/s10615-018-0682-5">growing body</a> of <a href="https://www.taylorfrancis.com/books/mono/10.4324/9780203860731/counting-losses-darcy-harris">research</a> is looking at how grief can extend to “non-person” losses such as infertility, loss of religion and, yes, the loss of a former home.</p> <h2>Why would someone grieve a house?</h2> <p>The childhood home can be an important place for many of us. It literally housed our formative development, family bonds, and core memories. Hopefully, the childhood home is where we learned about safety, security and love.</p> <p>It was likely surrounded by our neighbourhood, and close to important places such as school, playgrounds and friends’ houses. It is no wonder we grieve it when it’s gone.</p> <p>It’s normal to <a href="https://www.taylorfrancis.com/chapters/edit/10.4324/9781315126197-20/grieving-lost-home-marc-fried">grieve things we can’t see and touch</a> but are real and valued. Just as a <a href="https://doi.org/10.1002/pon.70031">serious diagnosis might trigger</a> grief for an imagined future for yourself, or an <a href="https://doi.org/10.1177/1049732314538550">identity</a> you once cherished, loss of a childhood home can hit us harder than we think.</p> <p>When you sell a once-beloved home, you don’t just lose the physical space. You also lose all of what that space might represent, such as birthday celebrations, Christmas lunches, sleepovers with friends or many happy hours playing in the garden.</p> <p>The childhood home often is a symbol of family connection and an anchor in the storm of life. Thinking of the home and all it represents can elicit nostalgia. In fact, the word “nostalgia” <a href="https://www.bps.org.uk/psychologist/nostalgia-cowbells-meaning-life">derives from the Greek</a> words <em>nostos</em> (return) and <em>algos</em> (pain). The word is rooted in the pain we often feel being away from home.</p> <p>And just as siblings are unique – each with different memories of and connections to their childhood home – their responses to its sale can differ markedly. It is normal if your sister or brother grieves the home in a different way to you – or maybe doesn’t even seem to grieve its loss at all.</p> <h2>A complicated grief</h2> <p>When a childhood home is sold because of the death of parents, the feelings of loss about the home are closely linked. The home being sold can be a type of secondary loss that sits in the periphery to the primary loss of parents.</p> <p>Grieving the deaths might, at first, take precedence over the loss of the home.</p> <p>It might only be later that the loss of the home and all it represents becomes apparent. Because the home provides a connection to the deceased person, the loss of the home might add another layer of grief about your parents. Perhaps you find that whenever you recall memories of mum or dad, they seem always to be at the house.</p> <p>It’s also normal if you feel immense <a href="https://link.springer.com/article/10.1007/s10615-018-0682-5">guilt</a> about grieving the home. People might chastise themselves for worrying about “silly things” and not grieving “enough” about the person who died. <a href="https://www.agingcare.com/questions/how-do-i-deal-with-the-guilt-of-selling-moms-house-481550.htm">Guilt about selling the home</a> can also be common.</p> <p>Not everyone has positive memories of their childhood home. Difficult family dynamics, maltreatment and abuse can complicate the emotional connection to childhood spaces and the grief response to their loss.</p> <p>In such cases, the loss of the childhood home can elicit grief about the loss of the childhood that could have – and should have – been. The loss of a home that was the site of discord can be even more challenging than for people with more idyllic childhood experiences.</p> <h2>How can I cope with this loss?</h2> <p>Grief from the loss of a childhood home is <a href="https://link.springer.com/article/10.1007/s10615-018-0682-5">real and valid</a>. We should recognise this and be kind to ourselves and others experiencing it. We shouldn’t minimise the loss or make fun of it.</p> <p>Usually, the loss is anticipated, and this allows you to take photos, furniture or mementos from the home or garden before you leave or sell.</p> <p>Grief researchers call these “<a href="https://www.sciencedirect.com/science/article/pii/S0010440X20300031">transitional</a> <a href="https://www.tandfonline.com/doi/abs/10.1080/13576270412331329812">objects</a>”. They may help you maintain a connection to what is lost, while still grieving the place.</p> <p><a href="https://link.springer.com/article/10.1007/s10615-018-0682-5">Social support</a> while grieving is important. Some people share memories and photos of the home with their siblings, or derive comfort from driving by the home.</p> <p>Just be prepared for the possibility it will likely change as the new owners adapt it to their needs. You might feel affronted, but hopefully can eventually accept the property now belongs to someone else.</p> <p>Chat to your doctor if the loss is particularly difficult, and your grief doesn’t change and subside over time. They might be able to recommend a psychologist who specialises in grief.</p> <p><em>If this article has raised issues for you, or if you’re concerned about someone you know, call Lifeline on 13 11 14.</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/251058/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em>By <a href="https://theconversation.com/profiles/lauren-breen-1142446">Lauren Breen</a>, Professor of Psychology, <a href="https://theconversation.com/institutions/curtin-university-873">Curtin University</a></em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/why-do-i-grieve-my-childhood-home-so-much-now-weve-sold-it-and-what-can-i-do-about-it-251058">original article</a>.</em></p> <p><em>Image: </em><em>RDNE Stock project/Pexels</em></p> </div>

Home & Garden

A decade in the making: Jamie Durie finally unveils dream home

<p>After a decade of meticulous planning, popular TV host Jamie Durie has finally revealed his dream home, a breathtaking sustainable property on Sydney’s Northern Beaches.</p> <p>The Seven Network presenter took to Instagram to share an album of images showcasing the eco-friendly sanctuary he built for his family. "Grateful. 10 years of planning, 2 years of construction and we’re finally back home," Durie, 54, captioned the post.</p> <p>The luxurious and environmentally conscious home is now the residence of Durie, his fiancée Ameka Jane, and their two children: three-year-old daughter Beau and one-year-old son Nash.</p> <p>The entire process of planning and construction has been chronicled on Durie’s latest TV venture, <em>Growing Home With Jamie Durie</em>, airing on Seven.</p> <p>"It’s been a lifelong dream of mine to build an off-the-grid house," Durie told <em>Woman’s Day</em> in November. "Ten years ago, I sketched the house. We lodged the plans five years ago, and then the last two years have been dedicated to construction."</p> <p>Durie said that the journey to completion was anything but smooth. "I don’t think poor Ameka had any idea what she was signing up for when we met. But she came up with a number of ideas that added a lot of value to it."</p> <p>He also admitted that building the house tested the family in a variety of ways. "Any family out there who’s building their own house will go through the same as what we’ve gone through," he said. "Huge budget blowouts, rising interest rates, massive construction costs that are constantly going up. We’ve had to go back to the bank four times." </p> <p>Despite the hurdles, Durie and Jane remained committed to using innovative eco-friendly features wherever they could. "We challenged ourselves with new eco-initiatives that not many people would ever dream of trying, or may not even know about," he said, before describing the experience as "the toughest project I have ever taken on in my whole life".</p> <p>Following Durie’s Instagram reveal, a wave of celebrity friends flooded the comments section with praise for the spectacular home. <em>The Morning Show</em>’s Larry Emdur wrote, "Mate!!! Just wow";fFormer Bachelor star Anna Heinrich called it "incredible"; while TV personality Sally Obermeder simply stated, "WOW". </p> <p>Comedian Dave Hughes was equally impressed, writing, "That’s proper wow. My god." <em>Getaway</em> host Catriona Rowntree described the home as "bloomin’ gorgeous".</p> <p><em>Images: Instagram</em></p>

Real Estate

Thousands of Aussie women to benefit from cheaper medicine in May

<p>A new treatment for a common painful condition, along with two other drugs, will soon become far more affordable, improving the lives of thousands of Australian women.</p> <p><span style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;">The federal government announced on Sunday that, </span>from May 1, about 8,500 Australian women are expected to benefit annually from the inclusion of Ryeqo on the Pharmaceutical Benefits Scheme (PBS). The drug offers a new treatment option for endometriosis sufferers who experience moderate to severe pain and have not found relief through other hormonal treatments and painkillers.</p> <p>Endometriosis affects one in seven Australian women, with tissue similar to the womb’s lining growing elsewhere in the body, leading to severe pain and potential fertility issues. Symptoms can vary, often causing delays in diagnosis that average six and a half years, according to Endometriosis Australia.</p> <p>Additional subsidies will also reduce the costs of a progestogen-only contraceptive pill and an IVF hormone therapy. Women with low hormone levels will now have earlier access to Pergoveris for $32 per treatment cycle from their first IVF attempt, rather than waiting for multiple failed cycles. An unsubsidised cycle typically costs around $3,500.</p> <p>Adelaide mother Helana Shehadeh <a href="https://7news.com.au/news/thousands-of-australians-to-benefit-from-cheaper-medicine-c-18056149" target="_blank" rel="noopener">told 7News</a> that she used Pergoveris during her second IVF cycle in 2023, resulting in the birth of baby Zayn. She said that it's important to get early access to fertility treatments, adding that, “Anyone who has been through IVF understands the agony of multiple cycles. Earlier access to this fertility treatment will alleviate some of the burden for women undergoing IVF.”</p> <p>The announcement comes as Australia’s birth rate falls to a record low of 1.5 babies per woman. Fertility Society of Australia and New Zealand president Petra Wale welcomed the move, highlighting the financial strain of assisted reproduction. “The cost of assisted reproduction remains a major barrier for many families, particularly amid the ongoing cost-of-living crisis. Fewer financial and logistical hurdles mean more families can focus on what truly matters – having a baby,” she said.</p> <p>“Women have asked government to take their health care seriously," said <span style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;">Health Minister Mark Butler,</span><span style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;"> "and we have listened. These listings could save women and their families thousands of dollars across their lifetimes.”</span></p> <p>Addressing criticism over delays in listing Ryeqo, Butler defended the government’s actions, stating that all recommendations had been handled “expeditiously”. He noted that in the previous nine years under the coalition government, “not a single new pill, not a single endometriosis treatment, not a single menopause treatment” was added to the PBS.</p> <p>The opposition, however, criticised the government for leaving women waiting more than a year for “potentially life-changing medications”. Opposition health spokeswoman Senator Anne Ruston reaffirmed the coalition’s commitment to timely PBS listings for all Pharmaceutical Benefits Advisory Committee-recommended medicines.</p> <p>Additionally, the cost of the contraceptive pill Slinda, used by about 80,000 women, will also be reduced under the PBS. The annual price will drop from approximately $320 to $94 for general patients and to $22 for concession card holders. Slinda, a progestogen-only pill, is particularly suitable for older women, smokers, women at increased risk of blood clots, and those who suffer from migraines.</p> <p><em>Image: Shutterstock</em></p>

Caring

Australia denied exemption from Trump tariffs

<div class="theconversation-article-body"> <p>Australia has failed to win an exemption from Donald Trump’s 25% tariffs on aluminium and steel, but the government has vowed to fight on for a carve out.</p> <p>The White House spokeswoman, Karoline Leavitt, told Australian media in Washington “there will be no exemptions” from the tariffs, which come into effect imminently. Pressed on why, she said “America First steel”.</p> <p>She said, “If they want to be exempted, they should consider moving steel manufacturing here”.</p> <p>Deputy Prime Minister Richard Marles said the government would continue to lobby for an exemption. He pointed out it had taken the Coalition government many months to win a carve out from tariffs under the first Trump administration.</p> <p>“Tariffs don’t make any sense, it’s an act of kind of economic self harm. We’ll be able to find other markets for our steel and our aluminium and we have been diversifying those markets. But we’re obviously really disappointed with this.</p> <p>"I would say, though, we’ll keep advocating to the United States on this issue. Last time around it was nine months before we got an exemption in relation to steel and aluminium out of the Trump administration in its first term. So, we’ll keep pressing the case, we’ll keep diversifying our own trade. But look, there’s no hiding this, we’re really disappointed with this decision.”</p> <p>Opposition deputy leader Sussan Ley said the government “just hasn’t done enough”.</p> <p>“All of the other leaders of the Quad and AUKUS, Japan, India, the UK, travelled to the US, and they had face-to-face meetings, and they did what they needed to do. They advocated fiercely in their country’s interests, but this prime minister has been nowhere to be seen.”</p> <p>But given no exemptions are being provided, a personal trip by the Albanese would likely have had little effect. The PM made the case for an exemption to the president in a call some weeks ago. In that conversation Trump indicated he would consider Australia’s case, but the government quickly became pessimistic about the administration giving it a special deal.</p> <p>BlueScope, while expressing disappointment, saw one silver lining. “BlueScope produces more than 3 million tonnes of steel per annum at its NorthStar BlueScope plant in Delta, Ohio. As the US tariffs come into effect the company expects to see the positive impact from an improvement in steel prices.”</p> <p>Former prime minister Malcolm Turnbull this week predicted Trump would shy away from exemptions this time around. While some observers said Turnbull’s broad attack on Trump, whom he called a bully, could work against Australia’s lobbying, it almost certainly was irrelevant, given all representations were rejected.</p> <p>The Australian concern is less the direct impact of the tariffs – our exports of steel and aluminium to the US are limited – but the fallout from an international trade war that could be sparked by Trump’s policies.<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/251623/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em><a href="https://theconversation.com/profiles/michelle-grattan-20316">Michelle Grattan</a>, Professorial Fellow, <a href="https://theconversation.com/institutions/university-of-canberra-865">University of Canberra</a></em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/australia-like-everyone-else-fails-to-win-exemption-from-trumps-tariffs-on-aluminium-and-steel-251623">original article</a>.</em></p> <p><em>Image: Samuel Corum/CNP/Shutterstock Editorial</em></p> </div>

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