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It’s tax time and scammers are targeting your myGov account. Here’s how to stay safe

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/cassandra-cross-122865">Cassandra Cross</a>, <a href="https://theconversation.com/institutions/queensland-university-of-technology-847">Queensland University of Technology</a> For many, tax time is an exciting part of the year – there’s the potential for a refund. However, it’s also an attractive time for fraudsters looking for ways to get money and deceive unsuspecting victims. Each year Australians lose large amounts of money to scams. In 2023, Australians reported <a href="https://www.accc.gov.au/media-release/scam-losses-decline-but-more-work-to-do-as-australians-lose-27-billion">losses of more than A$2.7 billion</a>. While this is a slight reduction from the $3.1 billion in 2022, there are still millions of victims who’ve suffered at the hands of scammers. Impersonation scams are one common approach. Scamwatch reports that in 2023, <a href="https://www.scamwatch.gov.au/news-alerts/shopping-for-online-bargains-this-black-friday-weekend-make-sure-its-the-real-deal">70% of reports to them</a> involved impersonation. A large number of these were linked to the Australian Taxation Office (ATO) and myGov. <h2>What is an impersonation scam?</h2> Impersonation scams are what they sound like: when an offender pretends to be someone or something they are not. Offenders may pretend to be family members or friends in our contact lists. In many cases, they will say they’re from an organisation such as a bank or a well-known retailer, or a government department – like the ATO. Offenders take on the identity of a known and trusted organisation to increase the chances of success. While we may ignore communications from unknown entities and strangers, we’re more likely to engage with what’s familiar. Additionally, the ATO has a powerful status as a government agency, and we are unlikely to ignore its messages – especially at tax time. <h2>What are they trying to get out of my myGov account?</h2> myGov is the gateway to a range of government services, including Medicare, Centrelink, My Health Record, the National Disability Insurance Scheme, and of course, the ATO. Being able to log in to myGov gives offenders access to a wide range of your personal details. This can help them build a fuller profile of you to potentially commit identity theft (such as opening new accounts in your name). There’s also the potential for direct fraud. With access to myGov, offenders can change your bank account details and redirect any refunds into their accounts, whether from the ATO or other linked services. They can even submit false tax returns, medical claims or other forms to obtain fraudulent funds. As the legitimate owner of the account, you may not immediately notice this. <h2>What does a myGov scam look like?</h2> In most instances, a myGov scam will look like one of the many phishing attempts we all receive on a daily basis. While each approach can be worded differently, their desired outcome is the same: to acquire your personal information. Fraudsters are sending text messages and emails pretending to be from the ATO, advising you there’s a refund available if you click the provided link. Another approach is to flag a “problem” with your tax return or bank account, and direct you to take immediate action via a link. Creating a sense of urgency can trick users into acting in the moment, without thinking through the request. The text or email may also be very neutral, simply stating there’s a new message waiting – with a link to where you can read it. Regardless of what the message says, the goal is to direct you to a website that looks genuine, but is fake. If you enter your myGov details into such a fake site, the offender can capture your login details and use them to log into your actual myGov account. <h2>What to do if you’ve been a victim?</h2> If you have clicked on a scam link and provided your personal details, there are steps you can take. Change your password and review your account settings if you still have access to your myGov account. Check your bank accounts, to see what, if anything, has been lost. Contact your bank or financial institution immediately if you notice any withdrawals or suspicious transactions. Contact any other organisation linked to your myGov account to see if any unauthorised actions have been taken. For anyone who has lost personal information and experienced identity crime, <a href="https://www.idcare.org/">IDCARE is the national support centre</a> for identity crime victims. They will be able to assist with a personalised response plan to your specific situation. <h2>How do I keep my account safe?</h2> Never click on links in text messages or emails that direct you to log in to your accounts. Always access your accounts independently, through details you have found independently of any text or email. Review your security settings. There have been recent reports of people’s myGov accounts being targeted <a href="https://www.theguardian.com/australia-news/article/2024/aug/01/ato-mygov-tax-return-refund-scam">with repeated login attempts</a>. Using your unique eight-digit myGov username for logging in can be safer than <a href="https://my.gov.au/en/about/help/mygov-website/help-using-your-account/manage-sign-in-details#updatingyourusername">using your email address</a>. Enable <a href="https://theconversation.com/what-is-multi-factor-authentication-and-how-should-i-be-using-it-191591">multi-factor authentication</a> where possible. myGov uses two-factor authentication in the form of a text message in addition to an online login. While this is not foolproof, it offers an additional layer of protection and can stop offenders accessing your account with only partial pieces of your information. Be vigilant on all communications. Always keep in mind that all may not be what it seems and the person you are communicating with may not be who they say they are. It is okay to be sceptical and do your own checks to verify details of what is presented to you. Remember, fraudsters thrive on the silence and shame of those who respond or fall victim to their scams. We need to communicate openly about these schemes and talk to family and friends, to increase everyone’s knowledge and awareness.<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/235785/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/cassandra-cross-122865">Cassandra Cross</a>, Associate Dean (Learning & Teaching) Faculty of Creative Industries, Education and Social Justice, <a href="https://theconversation.com/institutions/queensland-university-of-technology-847">Queensland University of Technology</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/its-tax-time-and-scammers-are-targeting-your-mygov-account-heres-how-to-stay-safe-235785">original article</a>. </div>

Money & Banking

Jimmy Barnes warns fans about fake accounts

Jimmy Barnes has issued a "fake account alert" to his fans. The Aussie singer took to Instagram to warn his followers that there have been an increase in the number of people online pretending to be him or claiming to have direct access to him. "There have been an increasing number of fake profiles appearing in the comments of my socials media posts, claiming to either be me, have direct access to me, sell tickets to shows, and even going as far as posing as a fan trying to connect with other fans," he wrote. "These accounts also send friend or follow requests, which then progresses to more false claims, often requesting large or small sums of money," the Cold Chisel star added. He then urged his followers to take action against these fake profiles. "Please block and report any profile and or comment that makes these claims, as it would never be myself or any of my team. Look after each other," he continued. <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-permalink="https://www.instagram.com/p/C84CmW9yKBs/?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/C84CmW9yKBs/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by Jimmy Barnes (@jimmybarnesofficial)</a> </div> </blockquote> He then shared screenshots of all the social media accounts posing as him, and a montage of all the messages they send to fans. One of the scammers wrote: "Hello thank you for your like and comments on my official page and for being a fan, it's great to know I have such a devoted fan. Much love, click on this page to send me a message." Many of the scammers had similar messages, asking fans to message them, click on a link or add them on social media. This is not the first time scammers have tried using the singer's name to con devoted fans. In 2022, Barnes slammed scammers pretending to be him and using a fake "farewell" ad on social media, which was nothing more than a cryptocurrency scam, according to The Daily Telegraph. Speaking through his manager, John Watson, Barnes said at the time that he was angry about the "illegal and misleading ads" that have allowed "scammers to prosper". Images: Instagram

Legal

"Tax the boomers": Outrage over elderly couple's complaint after $1m Lotto win

A "greedy" elderly couple have been rinsed online after complaining about losing their age pension payments after they won the Lotto. The couple, aged 73 and 67, wrote into <a href="https://www.smh.com.au/money/super-and-retirement/we-won-the-lottery-but-lost-our-pension-could-we-have-prevented-this-20240702-p5jqga.html" target="_blank" rel="noopener">Sydney Morning Herald</a>'s financial advice column with Noel Whittaker to ask how they could've prevented losing the government funds and still kept hold of their million-dollar winnings. The couple's submission read, "We are a couple... both retired and receiving the full aged pension. We recently won $1,000,000 in the lottery and have placed that money in a basic interest-bearing savings account with our bank." "We intend to use that money to buy a new house and sell our existing one but may just renovate. The windfall has stopped our pension completely until we spend the money, which is all good and well. But could we have prevented the pension loss in any way?" Whittaker responded that the couple should consider themselves extremely fortunate and enjoy the money, saying they "could have a far better lifestyle living off capital instead of relying on welfare". He also urged the couple not "spend to get a pension". The boomers' questions quickly drew attention online, with many flocking to Facebook comments to slam the couple for their "greed". One person wrote, "If you won the lotto, why would you want the pension?", while another added, "Ah yes, the call of the boomers everywhere, 'I have millions but where's my pension money?'" Others said the Lotto winners should consider themselves lucky they are now able to provide for themselves, with one person writing, "Pension is a support system to allow you to survive without/reduced work in retirement. If you are a multimillionaire then you don't need it." Another person echoed the sentiment, saying, "Wow, what entitlement. The pension is a safety net, if you don’t qualify for it think yourself lucky." Other social media users simply shared their outrage towards the boomer generation, as one frustrated person wrote, "Won a million and whinging they can't scam the taxpayers, what self-centered arrogance", while another added, "Tax the boomers! No more handouts." Image credits: Shutterstock <div class="x6s0dn4 x3nfvp2" style="font-family: inherit; align-items: center; display: inline-flex; min-width: 604px;"> <ul class="html-ul xe8uvvx xdj266r x4uap5 x18d9i69 xkhd6sd x1n0m28w x78zum5 x1wfe3co xat24cr xsgj6o6 x1o1nzlu xyqdw3p" style="list-style: none; margin: 0px -8px 0px 4px; padding: 3px 0px 0px; display: flex; min-height: 15px; line-height: 12px; caret-color: #1c1e21; color: #1c1e21; font-family: system-ui, -apple-system, BlinkMacSystemFont, '.SFNSText-Regular', sans-serif; font-size: 12.000001px;" aria-hidden="false"> <li class="html-li xe8uvvx xdj266r xat24cr xexx8yu x4uap5 x18d9i69 xkhd6sd x1rg5ohu x1emribx x1i64zmx" style="list-style: none; display: inline-block; padding: 0px; margin: 0px 8px;"> </li> </ul> </div>

Retirement Income

Uber driver makes pensioner fork out thousands after minor accident

In a distressing incident, 80-year-old pensioner Judy Libby has claimed that she was coerced into handing over $2,500 to an Uber driver following a minor car accident in Melbourne's CBD. Judy recounted her ordeal on Melbourne's 3AW Radio on Friday morning, describing the alarming sequence of events that unfolded after she accidentally hit the back of the Uber driver's car. <a href="https://www.news.com.au/technology/motoring/motoring-news/an-absolute-nightmare-uber-drivers-sickening-act-to-80yo-pensioner/news-story/f77aa3e46c41532268a712cfc4764877" target="_blank" rel="noopener">According to News.com.au</a>, Judy explained that the driver was stationary when the accident occurred, causing a dent in the boot of his vehicle. The driver, claiming the damage had rendered him unable to work and support his family, demanded compensation. "He said, 'I’m an Uber driver, you’ve ruined the back of my car. I’ve got a wife and child to support; now I can’t work,'" Judy told the radio station. Initially, the driver demanded $4,000, allegedly stating he had obtained a quote from a friend who was a panel beater. When Judy expressed her inability to pay such a sum, the driver proposed a reduced amount of $2,500. They arranged to meet at her local bank, but when the teller grew suspicious and refused the transaction, the Uber driver reportedly drove her to another bank where she was made to withdraw the money. Judy described the driver's demeanour as very angry and the experience as a "nightmare". The situation took a further turn for the worse when she later received a legal letter demanding an additional $8,800 for the damage, with no mention of the $2,500 she had already handed over. Concerned and distressed, Judy informed her daughter, who then reported the incident to the police. The case is now being investigated by the fraud squad. "I wasn’t travelling at a speed to do huge damage. I had no damage on my car, just a few scratches," Judy said. "And he had an older car too, so $8,800; no. I didn’t write it off, I just hit his boot." 3AW host Russel Howcroft condemned the incident as "disgraceful", particularly criticising the driver's actions of taking Judy to a bank against her will. "Fancy putting someone in their car and driving them to a bank branch," he remarked. The investigation by the fraud squad will hopefully bring clarity and justice to Judy Libby's troubling experience. Image: Lutsenko Oleksandr / Shutterstock

Legal

“What a legend”: Brave Aussie pensioner saves puppy from a snake

An Aussie pensioner has gone the extra mile to save her terrified puppy from a carpet snake. Anne Murphy, a woman from NSW’s Lennox Head, captured the moment her 80-year-old mother went toe-to-toe with the slippery intruder who was terrorising her dog and shared the interaction on a Facebook page called Australian Country Memes. According to Anne, her mother bolted out the door one Monday evening when she heard her dog “screaming”, when she was confronted with the carpet snake. The non-venomous snake had wrapped around the small dog and bitten it on the chin, when the 80-year-old intervened. The woman was “bitten three times” by the snake, before she “caught the snake so it could be taken out to the bush and hopefully not make its way back to her place”. She then took her puppy to the vet, and got home three hours after the incident first happened. The post has since received over 2,000 likes and hundreds comments, hailing the 80-year-old as a “legend“, “gutsy” and a “wonderful woman.” “She is a true blue here. My hat is off to you, amazing lady,” one person wrote. Another added, “Way to go! That’s just what country people do. God love her, they don’t make them like that anymore.” Image credits: Getty Images / Facebook

Family & Pets

"Stuff youse": Pensioner who's never owned a phone fights mobile detection camera fine

A pensioner from New South Wales has disputed a fine he was issued for using his phone while driving, despite never owning a phone. Frank Singh, 77, was captured on a mobile phone detection camera while driving on the Pacific Motorway last September, and was issued a fine for $362. Mr Singh has refused to pay the fine, claiming that he was holding his wallet when the image was captured. He also claims to have never owned a mobile phone or a computer in his life, wondering how the camera made such a mistake. The senior man decided to appeal and take Revenue NSW to court, despite the risk of paying thousands in legal fees if he lost the case. "Looks like I'm guilty on it, but I'm not," he told A Current Affair. "I thought, what the bloody hell is this all about, I don't own a mobile phone. I've never used a mobile phone. What a load of s***." When questioned what the item could be, he said, "I think it could be my wallet." While Mr Singh admitted he can't specifically remember what he was doing at the time, he believes he was possibly placing his wallet on the passenger seat after paying for fuel. Unfortunately, the review of the fine was rejected and Frank was ordered to pay the $362, but he has not given up. "Then I thought stuff youse, I'm not guilty, I don't own a bloody phone," he said. While preparing to appeal the fine once more, Revenue NSW revoked the fine after issuing a letter to Mr Singh saying he would not be required in court following an investigation by the government body. "We have decided to cancel the fine," the letter read. "You little bloody beauty, how good's that," Mr Singh said on hearing the news, before planning to celebrate the win with a beer at his local pub. Image credits: A Current Affair

Legal

Carer allowance and disability pension set to increase

Over 936,000 Aussies are set to see a cash boost in the new year, as indexation to government payments takes effect from January. Australians receiving youth, student or carer support will receive a 6 per cent boost to their payments, as additional support to help them navigate the rising cost of living. “Australia’s social security system is a safety net that is continually strengthened and improved to support all vulnerable Australians,” Minister for Social Services Amanda Rishworth said. “Through regular indexation, our payments are adjusted in line with changes in the cost of living to retain their purchasing power.” For over 600,000 carers, the Carer Allowance is set to increase to $153.50 a fortnight, while the Disability Support Pension for Australians under 21 will increase by $31.10 to $44.90 a fortnight. Youth Allowance payments are also set to increase between $22.40 and $45.60 a fortnight, while Austudy payments will increase by between $36.20 and $45.60. The new year increases are being set into motion after a $40 a fortnight increase to youth and student payment rates, which was effective from September 20. A complete list of the new payment increases can be found on the <a href="https://www.dss.gov.au/about-the-department/benefits-payments/previous-indexation-rates" target="_blank" rel="noopener">Department of Social Services website</a>. Image: Getty

Money & Banking

Pensioner's epic 600-mile journey from England to Scotland on a pony

Jane Dotchin has completed an epic 600-mile (1000 km) journey from England to the Scottish Highlands with her pack pony Diamond, and disabled Jack Russell terrier Dinky. The 82-year-old has been making this seven-week trek every year since 1972, with nothing but her trusted pony, pet dog and a few belongings including a tent, food and water which she carries in a saddlebag. The pensioner travels between 15 and 20 miles a day from Hexham, Northumberland to Inverness in the Scottish Highlands. "I love camping and I love the countryside," she said, according to the <a href="https://www.dailymail.co.uk/travel/article-12735287/Pensioner-82-completes-600-mile-ride-England-Scotland-horse-Diamond-7-week-trip-shes-year-1972.html" target="_blank" rel="noopener">Daily Mail</a>. Her dog Dinky, who deformed front legs, is just as happy to go on the adventure, sitting comfortably in the saddlebag as the world passes by her. She lives on porridge, oatcakes and cheese, and carries an old mobile phone in case of emergencies. Dotchin does not let her eye-patch stop her either, as she is determined to continue the tradition for as long as possible. "I know the route so well, I don’t need to read maps. I can manage if I keep to the routes I know," she told the publication. Dotchin first started long-distance trekking 40 years ago when she rode to Somerset, which was around 300 miles from where she lived, to visit a friend. She has made the journey up north every autumn since, and is an inspiration to many, with those who have spotted her sharing photos and videos of the avid horse rider. "A personal hero passed by just now!" wrote one person, who spotted Dotchin riding her pony back in 2021. <blockquote class="twitter-tweet"> A personal hero passed by just now! <a href="https://t.co/vcwcdjxMOI">https://t.co/vcwcdjxMOI</a> <a href="https://twitter.com/hashtag/JaneDotchin?src=hash&ref_src=twsrc%5Etfw">#JaneDotchin</a> <a href="https://twitter.com/BBCScotland?ref_src=twsrc%5Etfw">@BBCScotland</a> <a href="https://twitter.com/TheScotsman?ref_src=twsrc%5Etfw">@TheScotsman</a> <a href="https://t.co/8qegaOLA3P">pic.twitter.com/8qegaOLA3P</a> — Robyn Woolston (@robynwoolston) <a href="https://twitter.com/robynwoolston/status/1441359649387671557?ref_src=twsrc%5Etfw">September 24, 2021</a></blockquote> "Went to watch a bike race and instead discovered an amazing, adventurous and inspirational woman," wrote another person, who spotted Dotchin in 2022. <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/CiLfMCVMOOy/?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/CiLfMCVMOOy/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by Eiger X (@eiger.x)</a> </div> </blockquote> "What an absolute inspiration on a beautiful morning," wrote another, who spotted her a week later. <blockquote class="twitter-tweet"> When you’re struggling on a morning run and meet the incredible <a href="https://twitter.com/hashtag/janedotchin?src=hash&ref_src=twsrc%5Etfw">#janedotchin</a> on the path. This 82-year-old rides 600 miles across Scotland every autumn with her horse Diamond and disabled Jack Russell Dinky in her saddle bag. What an absolute inspiration on a beautiful morning. <a href="https://t.co/SuAvQug6dc">pic.twitter.com/SuAvQug6dc</a> — 📚🕷Suzy A #CrowMoon 🖤❤️📚 (@writer_suzy) <a href="https://twitter.com/writer_suzy/status/1569965657629794306?ref_src=twsrc%5Etfw">September 14, 2022</a></blockquote> Images: Twitter/ Instagram

International Travel

If you’re 65 or over and want to work, you’re far better off in New Zealand than Australia

<a href="https://theconversation.com/profiles/peter-martin-682709">Peter Martin</a>, <a href="https://theconversation.com/institutions/crawford-school-of-public-policy-australian-national-university-3292">Crawford School of Public Policy, Australian National University</a> Want to keep working after you’ve reached pension age? The Australian government has just made it a <a href="https://ministers.treasury.gov.au/ministers/jim-chalmers-2022/media-releases/getting-more-australians-back-work">little bit</a> easier, increasing the amount you can earn per year from work before losing some of your pension by A$4,000 on an ongoing basis. Late last year, it temporarily upped the so-called <a href="https://www.dss.gov.au/seniors/programmes-services/work-bonus">work bonus</a> from $7,800 per year to $11,800 to “<a href="https://images.theconversation.com/files/555212/original/file-20231023-17-xduxan.PNG?ixlib=rb-1.1.0&q=45&auto=format&w=1000&fit=clip">incentivise pensioners into the workforce</a>”. It was part of the government’s response to its September jobs and skills summit. It meant pensioners could earn an underwhelming $227 per week from work without harming their pension, up from the previous $150. The rules for older workers are very different in New Zealand. In fact, if Australia adopted New Zealand’s approach, we could have an extra 500,000 willing workers – a fair chunk of them paying tax. <h2>What’s NZ doing differently for older workers?</h2> Last month, as part of his <a href="https://treasury.gov.au/employment-whitepaper/final-report">employment white paper</a>, Australian Treasurer Jim Chalmers made the increase to $227 per week permanent. Chalmers headlined the announcement: <a href="https://ministers.treasury.gov.au/ministers/jim-chalmers-2022/media-releases/getting-more-australians-back-work">Getting more Australians back into work</a>. But it’s doing an underwhelming job. In Australia, <a href="https://www.abs.gov.au/statistics/labour/employment-and-unemployment/labour-force-australia-detailed/aug-2023">15.1%</a> of the population aged 65 and older are in some kind of paid work, up from 14.7% a year earlier. In contrast, in New Zealand the proportion has just hit <a href="https://www.stats.govt.nz/information-releases/labour-market-statistics-june-2023-quarter/">26%</a>. That’s right: more than one-quarter of New Zealanders aged 65 and older are employed. It’s a similar story if we look at how Australia and New Zealand compared to others internationally on labour force participation (which covers those in paid work plus people actively looking for it). <hr /> <iframe id="qjojO" class="tc-infographic-datawrapper" style="border: none;" src="https://datawrapper.dwcdn.net/qjojO/5/" width="100%" height="400px" frameborder="0"></iframe> <hr /> New Zealand wants to see that number rise further. It has been talking about <a href="https://www.msd.govt.nz/documents/what-we-can-do/seniorcitizens/older-workers-employment-action-plan/the-ageing-workforce-briefing-paper-future-of-work-governance-group-meeting-4-may-.pdf">33.1%</a> of its population aged 65 or more in paid work, which is what Iceland has. What is New Zealand doing for over-65s that Australia is not? You won’t find it mentioned in either treasury’s employment <a href="https://treasury.gov.au/employment-whitepaper/final-report">white paper</a> (released in September) or <a href="https://treasury.gov.au/publication/2023-intergenerational-report">intergenerational report</a> (released in August) – even though National Seniors Australia <a href="https://nationalseniors.com.au/uploads/NSA-Employment-White-Paper-Submission-Final-Web.pdf">pointed it out</a> in submissions. One crucial thing New Zealand is not doing is annoying pensioners who work. Australian pensioners in paid work get called in for discussions with Centrelink, if it looks as if they are at risk of doing too many hours and going over the $227 per week limit. <h2>The more you work, the more your pension is cut</h2> Pensioners who do go over the $227 per week limit lose half of every extra dollar they earn in a cut to their pension. Plus tax, this means they lose a total of <a href="https://ipa.org.au/publications-ipa/media-releases/employment-white-paper-cop-out">69%</a> of what they earn over the limit where their tax rate is 19%, and 82.5% on the portion of earnings taxed at 32.5%. And this is after the boost designed to “<a href="https://images.theconversation.com/files/555212/original/file-20231023-17-xduxan.PNG?ixlib=rb-1.1.0&q=45&auto=format&w=1000&fit=clip">incentivise pensioners into the workforce</a>”. Last year’s jobs summit also set up a <a href="https://www.pmc.gov.au/sites/default/files/resource/download/womens-economic-equality-taskforce-final-report.pdf">Women’s Economic Equality Taskforce</a>. It reported this week, drawing attention to the “disincentive rates” facing second earners (usually women) who return to work after caring for children. It said that taking the loss of benefits, tax and childcare costs together, the penalty for returning to work was more than half of what was earned on the first three days of the week, and up to 110% of what was earned on the fourth and fifth days. My point here is that the losses facing age pensioners who attempt to work are of a similar order – in Australia but not in New Zealand. Australia’s rules aren’t just stopping pensioners from taking on extra hours. They seem to stop them taking up paid work at all. There were 2.6 million Australians on the age pension in June this year. Only <a href="https://data.gov.au/data/dataset/dss-payment-demographic-data/resource/7a6457a8-44a3-406c-b552-62eb0fef9d66">83,925</a> reported income from working. That’s just 3.2%. <h2>NZ pensioners keep their pensions</h2> What’s different about New Zealand is that New Zealand’s pensioners don’t face a penalty if they work. They simply face income tax. In New Zealand, the age pension (which is called <a href="https://www.workandincome.govt.nz/eligibility/seniors/superannuation/who-can-get-it.html">superannuation</a>, making it confusing for Australians) is paid to everyone of pension age. There’s no income test or assets test. You get it because you are a citizen or permanent resident. Australia wouldn’t need to go as far as New Zealand to get the same benefit. We would simply need to ditch the pension income test in cases where that income came from paid work, leaving the assets test in place. Then there would be no concern about working. <h2>Half a million reasons for change</h2> If we made that change – and if the same proportion of older Australians chose to work as New Zealanders – we would soon have an extra half a million older Australians able to step into fields such as teaching, where there are <a href="https://www.abs.gov.au/statistics/labour/jobs/job-vacancies-australia/latest-release">15,500 vacancies</a>, and health care and social assistance, where there are 68,100 vacancies. It would cost the federal government money because it’d put more Australians of pension age on the pension. But it’d cost less if we abolished the special tax concession for seniors and pensioners, known as the <a href="https://www.ato.gov.au/individuals/income-deductions-offsets-and-records/tax-offsets/seniors-and-pensioners-tax-offset/">seniors and pensioners tax offset</a>. In New Zealand, senior citizens face the same tax rates as everyone else. And it would cost less as more pensioners earned wages and paid income tax. Calculations prepared for <a href="https://nationalseniors.com.au/uploads/NSA-Employment-White-Paper-Submission-Final-Web.pdf">National Seniors Australia</a> by Deloitte suggest that beyond a certain point, the change would become revenue-positive – actually boosting federal coffers – as the extra income tax revenue outweighed the cost of the extra pensions. National Seniors is calling its campaign <a href="https://nationalseniors.com.au/advocacy/fairer-retirement-income-system/let-pensioners-work">“let pensioners work”</a>. <h2>Tapping into the cash economy</h2> Importantly – and here’s where we get to a fact National Seniors might not like me mentioning – that would happen not only because more senior Australians were employed, but also because more senior Australians were employed legitimately. It’s hard to get a handle on how many senior Australians are working and being paid in cash, which they store rather than bank to avoid tripping the income test. But we do know this. At the end of March, there were <a href="https://www.rba.gov.au/statistics/tables/xls/a06hist.xls?v=2021-04-05-19-23-58">18</a> Australian $100 notes in circulation for each Australian resident, an astonishingly high proportion given the use of cash for transactions is <a href="https://theconversation.com/cash-could-be-almost-gone-in-australia-in-a-decade-but-like-cheques-wholl-miss-it-208020">collapsing</a>. In New Zealand at the end of March, there were just <a href="https://www.rbnz.govt.nz/statistics/series/reserve-bank/bank-notes-in-the-hands-of-the-public">five</a> New Zealand $100 notes in circulation for each New Zealand resident. That may be just a coincidence. But New Zealand is certainly making it easier for retirees to work legitimately, rather than stay at home or accept cash in hand.<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/216260/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/peter-martin-682709">Peter Martin</a>, Visiting Fellow, <a href="https://theconversation.com/institutions/crawford-school-of-public-policy-australian-national-university-3292">Crawford School of Public Policy, Australian National University</a> Image credits: Getty Images 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/if-youre-65-or-over-and-want-to-work-youre-far-better-off-in-new-zealand-than-australia-216260">original article</a>.

International Travel

Can Israel and Hamas be held to account for alleged crimes against civilians?

<a href="https://theconversation.com/profiles/amy-maguire-129609">Amy Maguire</a>, <a href="https://theconversation.com/institutions/university-of-newcastle-1060">University of Newcastle</a> <a href="https://www.redcross.org.au/ihl/">International humanitarian law</a> – the law of armed conflict – aims to constrain how wars are fought. It is designed to protect noncombatants and limit the means of warfare. As each hour brings news of further horror in the Israel-Hamas conflict, what role should international law be playing? And does it actually have any capacity to constrain the behaviour of the combatants? <h2>A humanitarian nightmare is unfolding</h2> On <a href="https://edition.cnn.com/2023/10/16/middleeast/israel-hamas-gaza-war-explained-week-2-mime-intl/index.html">October 7</a>, the Hamas militant group launched thousands of rockets against Israel in advance of a ground attack. Militants <a href="https://abcnews.go.com/International/live-updates/israel-gaza-hamas/?id=103804516#:%7E:text=ABC%20News%20Chief%20Global%20Affairs,war%20in%20Israel%20and%20Gaza.&text=At%20least%201%2C400%20people%20have,7%2C%20Israeli%20authorities%20said.">killed</a> more than 1,400 people and wounded 3,400 others in towns and kibbutzim across southern Israel. It was the <a href="https://theconversation.com/deadliest-day-for-jews-since-the-holocaust-spurs-a-crisis-of-confidence-in-the-idea-of-israel-and-its-possible-renewal-215507">deadliest day</a> for Jewish people since the Holocaust. Most of those killed were civilians, including many <a href="https://abcnews.go.com/International/horror-israeli-authorities-show-footage-hamas-atrocities-reporters-notebook/story?id=104015431#:%7E:text=It%20was%20part%20of%20the,injured%20in%20Israel%2C%20authorities%20said.">children</a> who were shot, blown up or burned to death. Hundreds of young people were also <a href="https://www.washingtonpost.com/world/2023/10/08/israel-festival-attack-gaza-militants/">massacred</a> at a music festival, and Hamas took around 200 <a href="https://www.reuters.com/world/middle-east/former-hamas-chief-meshaal-says-israeli-captives-include-high-ranking-officers-2023-10-16/">hostages</a> back to Gaza. Israel is responding to this attack with <a href="https://abcnews.go.com/International/live-updates/israel-gaza-hamas/?id=103804516#:%7E:text=ABC%20News%20Chief%20Global%20Affairs,war%20in%20Israel%20and%20Gaza.&text=At%20least%201%2C400%20people%20have,7%2C%20Israeli%20authorities%20said.">airstrikes</a>, which have to date <a href="https://www.wsj.com/livecoverage/israel-hamas-war-gaza-palestinians/card/latest-death-tolls-in-gaza-and-israel-xJRhBt04VQMocRuYUtsA">killed</a> at least 4,000 people in Gaza and injured thousands more. The vast majority of these casualties are Palestinian civilians. Israel has also rapidly mobilised around <a href="https://www.washingtonpost.com/world/2023/10/10/israel-military-draft-reservists/">360,000 reservists</a> in preparation for an anticipated ground offensive on Gaza. In recent days, a blast at a <a href="https://www.nytimes.com/2023/10/17/world/middleeast/gaza-hospital-explosion-israel.html">Gaza hospital</a> killed hundreds, including patients and displaced people seeking sanctuary. Hamas and several Arab states have <a href="https://www.theguardian.com/world/2023/oct/18/israel-faces-blame-from-regional-allies-over-gaza-hospital-deaths">blamed</a> Israel for the explosion, while Israel has <a href="https://www.nytimes.com/2023/10/17/world/middleeast/islamic-jihad-gaza-hospital-israel.html">blamed</a> Palestinian Islamic Jihad. The situation in Gaza is dire for people with urgent needs, including <a href="https://www.abc.net.au/news/2023-10-18/israel-gaza-war-live-updates-october-18/102989182?utm_campaign=abc_news_web&utm_content=link&utm_medium=content_shared&utm_source=abc_news_web#live-blog-post-55243">5,000 women</a> due to give birth this month and <a href="https://www.nytimes.com/2023/10/16/world/middleeast/gaza-evacuation-twin-babies-hospital.html#:%7E:text=The%20babies%2C%20Nuha%20and%20Fatin,of%20an%20Israeli%20ground%20invasion.">newborn babies</a> whose families cannot find drinking water to prepare formula. Meanwhile, Israel has <a href="https://www.theguardian.com/world/2023/oct/12/no-power-water-or-fuel-to-gaza-until-hostages-freed-says-israeli-minister">cut off</a> water, electricity and fuel supplies to Gaza and ordered a <a href="https://theconversation.com/gaza-is-being-strangled-why-israels-evacuation-order-violates-international-law-215787">total siege</a> of the territory. Israel has also ordered residents of northern Gaza to <a href="https://www.hrw.org/news/2023/10/16/why-israels-gaza-evacuation-order-so-alarming">evacuate</a> to the south. Aid agencies have been unable to provide desperately needed <a href="https://time.com/6324539/israel-gaza-humanitarian-aid-egypt-border/">humanitarian assistance</a> to civilians through the border crossing with Egypt. Prior to this latest horrific escalation, Gaza was already entrenched in a <a href="https://theconversation.com/gaza-has-been-blockaded-for-16-years-heres-what-a-complete-siege-and-invasion-could-mean-for-vital-supplies-215359">humanitarian crisis</a>. The situation now is beyond comprehension. <a href="https://www.abc.net.au/listen/programs/radionational-breakfast/gaza-610/102983118">Léo Cans</a>, the head of mission for Doctors Without Borders in Palestine, said hospitals are being overwhelmed and hundreds will die without electricity being restored: "This is something that is known and could be prevented just by letting fuel and supplies inside Gaza. What is ahead of us is beyond words […] at the end of the road it’s a big wall, and this big wall is full of dead people." <h2>Principles governing the conduct of war</h2> International humanitarian law is a pragmatic body of law. Its existence acknowledges the inevitability of armed conflict and it aims to mitigate war’s impact on people. International humanitarian law is not, in itself, concerned with the justifications for why combatants engage in war. It applies even in situations where a state is entitled to act in self-defence under broader international law. We are witnessing gross violations of fundamental humanitarian law principles in the conflict. Here are some examples: Distinction between civilians and combatants Attacks are considered <a href="https://ihl-databases.icrc.org/en/ihl-treaties/api-1977/article-51">unlawful</a> if they are: <ul> <li> directed specifically against civilians </li> <li> launched indiscriminately without distinction between civilians and combatants </li> <li> or directed at military targets but anticipated to cause harm to civilians disproportionate to the military advantage being sought. </li> </ul> Methods of warfare It is <a href="https://casebook.icrc.org/law/conduct-hostilities#iii_1">unlawful</a> to conduct war in a manner that causes unnecessary suffering. Attacks targeting civilians are fundamentally unnecessary and, therefore, illegal. Collective punishment The fourth Geneva Convention prohibits <a href="https://ihl-databases.icrc.org/en/ihl-treaties/gciv-1949/article-33">collective punishment</a>: "No protected person may be punished for an offence he or she has not personally committed. Collective penalties and likewise all measures of intimidation or of terrorism are prohibited." This prohibition reflects the idea of <a href="https://guide-humanitarian-law.org/content/article/3/collective-punishment/">individual criminal responsibility</a> under international criminal law. Prosecutions for breaches of humanitarian law are directed towards individuals who can be proven responsible, rather than against states or populations. Humanitarian protection Common Article 3 of the Geneva Conventions requires <a href="https://www.icrc.org/en/doc/war-and-law/treaties-customary-law/geneva-conventions/overview-geneva-conventions.htm">humane protection</a> for all people in enemy hands. It prohibits murder and hostage-taking. It also requires the provision of humanitarian assistance to all people without distinction. Obligations of occupying powers It is arguable Israel is a de facto occupying power of the Gaza Strip because it has such a <a href="https://theconversation.com/gaza-is-being-strangled-why-israels-evacuation-order-violates-international-law-215787">high level of control</a> over people’s lives. For example, it has the ability to shut off supplies of essential life services. The argument Israel is occupying Gaza will be strengthened should Israel launch a ground invasion. As such, the rules of international humanitarian law on occupiers are also relevant. These include an obligation to <a href="https://ihl-databases.icrc.org/en/ihl-treaties/hague-conv-iv-1907/regulations-art-43#:%7E:text=Regulations%3A%20Art.-,43,in%20force%20in%20the%20country.">protect</a> civilians from attacks and <a href="https://humanrights.gov.au/our-work/commission-general/international-covenant-civil-and-political-rights-human-rights-your#:%7E:text=opinions%20without%20interference.-,2.,other%20media%20of%20his%20choice.">respect their human rights</a>. <h2>Hamas and humanitarian law</h2> International humanitarian law applies to all combatants, whether they are state or non-state actors. UN independent experts say Hamas has clearly committed <a href="https://www.ohchr.org/en/press-releases/2023/10/israeloccupied-palestinian-territory-un-experts-deplore-attacks-civilians">war crimes</a>, including the murders and hostage-taking of Israeli civilians. Hamas also put Palestinian civilians in harm’s way by <a href="https://www.reuters.com/world/middle-east/hamas-tells-gaza-residents-stay-home-israel-ground-offensive-looms-2023-10-13/#:%7E:text=Eyad%20Al%2DBozom%2C%20spokesman%20for,your%20homes%2C%20and%20your%20places.">telling them</a> not to evacuate to southern Gaza, as ordered by Israel. The group has a history of using civilians as <a href="https://theconversation.com/how-the-laws-of-war-apply-to-the-conflict-between-israel-and-hamas-215493">human shields</a> as a <a href="https://stratcomcoe.org/cuploads/pfiles/hamas_human_shields.pdf">strategic tool</a> in conflicts with Israel. However, holding Hamas accountable for violating international humanitarian law is very challenging. As a non-state actor, Hamas is not a member of forums like the United Nations, where pressure may be brought to bear on member states. If individual Hamas militants are apprehended, they could be charged with <a href="https://www.thenewhumanitarian.org/interview/2023/10/17/how-have-israel-and-hamas-broken-laws-war">war crimes</a> and tried in Israeli courts or the International Criminal Court. Even though Hamas is a non-state actor, <a href="https://www.icc-cpi.int/victims/state-palestine">Palestine</a> has accepted the court’s jurisdiction. In fact, the International Criminal Court opened an <a href="https://www.lawfaremedia.org/article/where-does-the-icc-palestine-investigation-stand">investigation</a> into alleged war crimes in Palestine in 2021. The current Gaza conflict would fall within the court’s mandate and could lead it to direct greater energy to that ongoing investigation. The court’s chief prosecutor, Karim Khan, said on October 13: "We have jurisdiction for any Rome Statute crimes […] committed by Palestinians in Israel and also we have clear jurisdiction for any crimes committed by the forces of Israel in Palestine." <h2>Israel and humanitarian law</h2> Israel and its allies also have a complex relationship with international humanitarian law. One key issue is Israel’s right to self-defence in response to the October 7 attack by Hamas. International law confirms a state may use force to <a href="https://casebook.icrc.org/a_to_z/glossary/self-defence#:%7E:text=Self%2Ddefense%20in%20international%20law,Charter%20and%20customary%20international%20law.">defend</a> itself in response to an armed attack. Israel, the United States and other allies <a href="https://www.whitehouse.gov/briefing-room/speeches-remarks/2023/10/10/remarks-by-president-biden-on-the-terrorist-attacks-in-israel-2/">contend</a> the Hamas attack triggered Israel’s <a href="https://www.foreignminister.gov.au/minister/penny-wong/speech/speech-senate-hamas-attacks-israel-senate-motion-parliament-house">right to self-defence</a>. But there is a distinction to be drawn between a state’s right to self-defence and what that right permits, in the sense of how war is conducted. For example, UN independent experts have <a href="https://www.ohchr.org/en/press-releases/2023/10/israeloccupied-palestinian-territory-un-experts-deplore-attacks-civilians">condemned</a> Israel’s “indiscriminate military attacks” against Palestinian civilians: "This amounts to collective punishment. There is no justification for violence that indiscriminately targets innocent civilians, whether by Hamas or Israeli forces. This is absolutely prohibited under international law and amounts to a war crime." Neither <a href="https://arabcenterdc.org/resource/the-international-criminal-courts-failure-to-hold-israel-accountable/">Israel</a> nor the <a href="https://www.hrw.org/news/2020/09/02/qa-international-criminal-court-and-united-states">United States</a> is a party to the International Criminal Court. Neither state would accept the court’s jurisdiction over its nationals. Indeed, the United States has <a href="https://www.state.gov/the-united-states-opposes-the-icc-investigation-into-the-palestinian-situation/">condemned</a> the court’s decision to open its investigation into alleged war crimes in Palestine. In time, the court may seek to hold Israeli nationals accountable for war crimes, but its capacity to do so seems very limited. <h2>What about the United Nations?</h2> UN Secretary-General Antonio Guterres has <a href="https://www.voanews.com/a/un-s-guterres-denounces-collective-punishment-of-palestinians/7315616.html">called</a> for an immediate ceasefire. He said the grievances of the Palestinian people after more than 50 years of occupation do not “justify the acts of terror committed by Hamas”. And he said the Hamas attack on October 7 does not “justify the collective punishment of the Palestinian people”. UN human rights chief Volker Türk has also <a href="https://www.ctvnews.ca/world/un-human-rights-lead-warns-of-consequences-for-breaching-humanitarian-law-amid-israel-hamas-war-1.6605453">warned</a> all parties that violations of humanitarian law will have consequences, and those who commit war crimes will be held accountable. But the <a href="https://www.un.org/securitycouncil/#:%7E:text=The%20Security%20Council%20has%20primary,to%20comply%20with%20Council%20decisions.">UN Security Council</a>, which is charged with maintaining international peace and security, has yet to agree on a <a href="https://news.un.org/en/story/2023/10/1142467">statement</a> on the conflict. The <a href="https://reliefweb.int/report/occupied-palestinian-territory/4-members-favour-5-against-security-council-rejects-russian-federations-resolution-calling-immediate-humanitarian-ceasefire-israel-palestine-crisis">debate</a> in the council since the latest escalation in this perpetual conflict demonstrates the deep diplomatic fault lines between the key global players and the warring parties. At this point, a sad reality is that international law and global institutions can do little to constrain the actions of the combatants on both sides or provide assistance to the millions at grave risk of harm.<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/215705/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/amy-maguire-129609">Amy Maguire</a>, Associate Professor in Human Rights and International Law, <a href="https://theconversation.com/institutions/university-of-newcastle-1060">University of Newcastle</a> Image credits: Getty Images 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/can-israel-and-hamas-be-held-to-account-for-alleged-crimes-against-civilians-215705">original article</a>.

Legal

Millions of Aussies set for a pension boost

Millions of Australians are set to receive a generous cash increase when an imminent welfare payment indexation comes into effect. Those on age pension payments from Centrelink will see a boost to their payment from Tuesday. According to figures from the Department of Social Services, single pensioners will receive an increase of $32.70, taking their payments to $1096.70 a fortnight. Couples on the adult pension will have their fortnightly payments increase by $24.70 to $826.70. Those on Jobseeker will also receive a boost to their payments, as payments will increase by $56.10 a fortnight to $749.20 for single people aged 22 or more with no children, and by $57.30 a fortnight for those with children to $802.50. Single people aged 55 or over will also have payments increased to $802.50 after nine months. Partnered people on Jobseeker will get a $54.80 increase to $686 a fortnight. Centrelink recipients on rent assistance, youth allowance and Austudy payments will also receive a boost to their fortnightly payments. Despite the increases across many welfare recipient groups, the Australian Council of Social Services says the increases are not enough. ACOSS said people almost three quarters of people they had surveyed on income support were eating less or skipping meals as the ongoing cost of living criss worsens. Half of the respondents said the incoming increase would not help at all, prompting the ACOSS to call for income support to at least match the pension rate. Image credits: Getty Images

Money & Banking

"Entitled" widow sparks outrage over age pension question

An elderly widow has been slammed for writing in to a financial column asking for advice, despite being very well-off. The 88-year-old (NOT pictured here) wrote in to Nine newspapers’ columnist Noel Whittaker asking for advice on how to access a pension after the death of her husband. “My husband and I received a part pension but he passed away and I now have all the assets but no pension,” she wrote to Whittaker’s <a title="www.smh.com.au" href="https://www.smh.com.au/money/super-and-retirement/i-lost-my-pension-when-my-husband-died-can-i-get-it-back-20230718-p5dp2g.html" target="_blank" rel="noopener">Ask Noel </a>column. “I am 88 and own my own home. I have $680,000 in savings and $180,000 in shares. My income is $25,000 p.a. is there anything I can do to get a part pension?” While the question seemed innocent enough, many Aussies were infuriated by the woman's query, sparking outrage on social media. One person pointed out how well off the woman was, mockingly saying, "We have $1m in assets. Can we get the age pension?” Another person wrote, “Lady you’re 88, where are you getting 25k per year if not investments? You’ll be fine, Karen.” The pile-on continued, with plenty more slamming the woman for being “entitled”, greedy, and mocking her for wanting even more money than she already had to spend over her remaining years. One person added, “How much longer does this person think they’re going to live that they need more than $1 million …” Another person offered their own advice if the last needed more money, encouraging her to use her $680,000 savings, saying "That's what it's there for." Another person summed it up by writing, “The problem with old people these days is they’re too entitled. Back in my day, old people reused their tea bags and were grateful.” Many even commented that the question was the exact kind of “fake” submission dreamt up for columnists to “enrage readers”, and someone posed their own mock question to Whittaker to point out how ludicrous the woman's question was. “I own my own home, have 6 million ingots in assets, and my income is several gold bullion per month. I am 300 years old. I am a fire-breathing dragon. Can I claim the part pension?” they wrote. Image credits: Getty Images

Retirement Income

“A little bit unfair”: Hard-working tradies blast age pension increase

A group of tired tradies have rallied against the “unfair” decision to increase the age of eligibility for the age pension. The tradesmen, all in their 60s, simply said their bodies “can’t handle” working in manual labour until they’re 70, which may be in their future if the eligibility age continues to rise. The age to qualify for the pension was raised from 66 years and six months to 67 on July 1st with the move impacting any Australian born after December 31st, 1956. Experts predict the age could rise even further to 70 by the year 2050 with the news sparking backlash among hardworking Aussies. One man, a concreter in his mid-60s named Steve, said working the manual labour job was already taking a toll on his body and that the new retirement age was “unfair” on those working physically demanding jobs. “Now I'm starting to feel it more in my knees, I've got arthritis in my hands, I've had two back surgeries,” he told <a href="https://9now.nine.com.au/a-current-affair/australian-tradies-outraged-over-decision-to-raise-pension-age-to-67/5b5c6dda-c995-44ad-bb29-98c625e9d276" target="_blank" rel="noopener">A Current Affair</a>. “It does seem a little bit unfair that you have to work all your life.” Peter, who cuts down trees in the Gold Coast for a living, compared the raising of the pension age to the harsh realities of his job. “It's just like climbing a tree,” he said. “The injuries are just climbing all the time, it's getting harder, worse, sorer all the time.” He described what was happening as “very scary”. “Unfortunately I thought 65 would be a nice time to retire and get on a pension but now we are talking 67,” he said. “Is it going to go up to 68, 69, 70?” Macquarie University Professor Hanlin Shang believes the pension age will need to rise to 70 or government spending will spiral out of control. He and other researchers estimate that the retirement age will rise to 68 by 2030, 69 in 2036 and 70 by 2050. “As Australians live longer than before, it presents a challenge to the government to fund retirees through a pension scheme,” Professor Shang said. Despite these challenges, Peter said politicians don't understand the burden that working physical jobs has on older bodies. “It would be nice to be a politician sitting on a nice comfortable chair all day in an air conditioned room or office,” he said. “They need to come out and see what it's like to do some physical work. That would make them change their mind in trying to stretch this pension out to 67, 68, 69, 70.” Image credits: A Current Affair

Retirement Income

Australia’s ‘retirement age’ just became 67. So why are the French so upset about working until 64?

<a href="https://theconversation.com/profiles/peter-whiteford-2016">Peter Whiteford</a>, <a href="https://theconversation.com/institutions/crawford-school-of-public-policy-australian-national-university-3292">Crawford School of Public Policy, Australian National University</a> Since Saturday, Australians have been required to wait until the age of 67 until they can get the age pension. The original so-called “retirement age” of 65 for men dated back to <a href="https://treasury.gov.au/sites/default/files/2021-02/p2020-100554-ud01_outline.pdf">1909</a>. Women had their pension age lifted from 60 to 65 between 1995 and <a href="https://insidestory.org.au/work-till-you-drop/">2013</a>. And all Australians have had it lifted in stages from July 2017, in a process that ended on <a href="https://www.dss.gov.au/seniors/benefits-payments/age-pension">July 1 2023</a>. It has happened with little protest – a stark contrast to the demonstrations and riots that rocked France earlier this year, when President Macron proposed and passed laws to lift the French pension age from 62 to 64. <h2>What’s so special about French pensions?</h2> French strikes and demonstrations over the retirement age aren’t new. There were nationwide protests when France increased its retirement age from 60 to 62 in <a href="https://www.theguardian.com/world/2010/nov/10/french-retirement-age-reform-62">2010</a>, before that in <a href="https://www.etui.org/covid-social-impact/france/pension-reform-in-france-background-summary-an-overview-of-pension-reforms-since-the-1990s-updated-july-2019">2003</a>, and in <a href="https://theconversation.com/pension-reform-in-france-macron-and-demonstrators-resume-epic-tussle-begun-over-30-years-ago-198354">1995</a>, when France tried to increase the pension age for public sector workers. Just about anything you could want to know about public pension schemes in high-income countries can be found in the <a href="https://www.oecd.org/about/">OECD</a> report <a href="https://www.oecd.org/publications/oecd-pensions-at-a-glance-19991363.htm">Pensions at a Glance</a>, published every two years, most recently in 2021. Public pension spending in <a href="https://www.oecd.org/els/public-pensions/PAG2021-country-profile-France.pdf">France</a> is 13.6% of GDP, compared to 4% in <a href="https://www.oecd.org/els/public-pensions/PAG2021-country-profile-Australia.pdf">Australia</a>. In part, this is because France has an older population than Australia, but it is also because French pension payments are more generous than both Australia’s age pension and superannuation supports taken together. <hr /> <iframe id="E0wpD" class="tc-infographic-datawrapper" style="border: none;" src="https://datawrapper.dwcdn.net/E0wpD/7/" width="100%" height="400px" frameborder="0"></iframe> <hr /> The OECD finding that Australia provides a replacement rate of about 40% and France of about 74% is “forward looking”, in that it is based on what a worker on average earnings is estimated to be entitled to under the system applying in 2020, if she or he works from age 22 until that country’s normal retirement age. For low-paid workers, Australia’s means-tested age pension makes the payments about as generous as those in France. <hr /> <iframe id="rJpy5" class="tc-infographic-datawrapper" style="border: none;" src="https://datawrapper.dwcdn.net/rJpy5/4/" width="100%" height="400px" frameborder="0"></iframe> <hr /> A separate 2018 OECD calculation showed that the average after-tax income of a French household headed by someone 65 years or older was <a href="https://www.oecd.org/publications/oecd-pensions-at-a-glance-19991363.htm">99.8%</a> of the average income of all French households. In contrast, the average after-tax income of an Australian household headed by someone of that age was 75% of that of all households. Given that French households receive about the same disposable income while retired as working, it is easy to see why they are keen to retire. And the heavy tax contributions required to fund their retirement incomes give them little opportunity to save privately while working. The level of median private wealth in Australia (converted at prevailing exchange rates) is nearly <a href="https://www.credit-suisse.com/media/assets/corporate/docs/about-us/research/publications/global-wealth-databook-2022.pdf">twice</a> that in France. Yet French public pension wealth is substantial. Calculating the value of the future pension income streams using life expectancies, the net pension wealth of French retirees amounts to 14 years of average earnings, compared to just over seven in Australia. Because the value of these income streams is strongly influenced by how long the pensions are received, raising the French pension age by two years would cut the value of French pension wealth by around 8%. <h2>Why was postponing pensions easier in Australia?</h2> The phase-in of the Australian change after 2017 meant it didn’t affect the retirement incomes of Australian workers until many years after the change was first announced, and didn’t affect the incomes of those already retired at all. And the Australian change legislated in 2009 was part of a <a href="https://cdn.theconversation.com/static_files/files/2738/2009_budget_pension_changes.pdf">broader program</a> of reforms that included the biggest single <a href="https://www.aph.gov.au/Parliamentary_Business/Committees/Senate/Community_Affairs/Newstartrelatedpayments/Report/section?id=committees%2Freportsen%2F024323%2F72678">increase in age and disability pensions and carer payments</a> in Australian history. Yet it will have losers. Those losing the most will be those with the shortest life expectancies. Indigenous men have life expectancies nearly <a href="https://www.niaa.gov.au/resource-centre/indigenous-affairs/commonwealth-closing-gap-annual-report-2022">nine</a> years lower than non-Indigenous men and Indigenous women nearly eight years lower. <h2>Which Australians will pay the highest price?</h2> And the change has pushed a substantial number of Australians aged 65 and over who would have once received the pension on to the <a href="https://theconversation.com/top-economists-want-jobseeker-boosted-100-per-week-tied-to-wages-150364">much-lower</a> Jobseeker unemployment payment. The number of people aged 65 years and over receiving JobSeeker climbed from zero in 2017 to <a href="https://www.data.gov.au/data/dataset/dss-income-support-recipients-monthly-time-series/resource/05f06c42-e027-43aa-b83e-28292f683ede">40,300</a> by May this year – and will climb further because of this month’s change. <figure class="align-right zoomable"><figcaption></figcaption></figure> These people are severely disadvantaged by this change, as the level of payment for an older unemployed person is more than $300 a fortnight less than the age pension, a gap that will only be slightly reduced by the increases announced in the most recent Commonwealth budget. Relatively little attention has been paid to these people, who because of the low level of payment are among the poorest in the Australian population – with very limited prospects of being able to improve their circumstances. In contrast, the idea of boosting tax on the earnings of superannuation balances over <a href="https://www.theguardian.com/australia-news/2023/feb/28/albanese-government-lifts-tax-rate-on-superannuation-balances-over-3m">A$3 million</a> attracted <a href="https://www.firstlinks.com.au/mechanics-3m-dollar-super-tax-must-fixed">widespread criticism</a>. The very different institutional environments of Australia and France have created different lobby groups, with different interests to protect.<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/208648/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/peter-whiteford-2016">Peter Whiteford</a>, Professor, <a href="https://theconversation.com/institutions/crawford-school-of-public-policy-australian-national-university-3292">Crawford School of Public Policy, Australian National University</a> Image credits: Getty Images 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/australias-retirement-age-just-became-67-so-why-are-the-french-so-upset-about-working-until-64-208648">original article</a>.

Retirement Life

"I've done enough": Hero tradie slams raising of retirement age

Thousands of Australians are rallying behind one hard-working tradie, who is standing up in opposition to the proposed rising of the retirement age. On July 1st, the Aussie pension eligibility age will rise from 65 to 67, with research suggesting that it will rise again to the age of 70 by 2050. The tradie shared a photo holding a sign that reads, "Only a bloke who's worked in an office his whole life would think you can work until you're 70." Many have echoed his statement, particularly blue-collar workers who say it is asking too much of people approaching 70 to keep up physically demanding labour. <blockquote class="twitter-tweet"> The LNP has been working for years to oppress & dumb down the Australian population so that it has more power & control over us. But insisting that the retirement age should be 70 is just wrong. This isn’t about ‘left’ or ‘right’ any more. It’s about the elite vs the rest of us <a href="https://t.co/yxIuAL75rm">pic.twitter.com/yxIuAL75rm</a> — Bethany Williams 💙🇺🇦💛 (@BethanyinCBR) <a href="https://twitter.com/BethanyinCBR/status/1332236229077659651?ref_src=twsrc%5Etfw">November 27, 2020</a></blockquote> "My body is just tired, as is my husband's, who is 66. We both need to just rest now. We had planned on retirement at 65. Then they changed the goal posts," one person shared in replying to the image. "I've worked 43 years as a butcher. I'm almost 65 yrs old, I think I've done enough, and my body agrees," a second added. "I spent many years in a quarry as well as a coal mine, my body is physically worn out, so I 110 per cent agree with his poster," a third agreed. Others shared that they thought it was simply unfair to ask older Aussies to keep working in manual labour in order to provide for their families, during a time when they should be resting and starting to plan their retirement years without stressing about finances. Many angered Aussies spoke out about the politicians who are responsible for raising the age pension number, saying they have no idea how physically taxing manual labour jobs can be. "The politicians all need to get out of their chairs and do a tradies' job for a week or two then they will know what a bad back is and realise that the body won't let you work until you are 70," one person wrote. A second added added, "I would like to see all politicians work a week as a bricklayer, a boilermaker, a plumber, or a builder - doing what we did to 65, they couldn't for a week." Currently, Australians are able to access a pension wage at 65 years and 6 months as long as they were born between July 1st 1952 and December 31st 1953. Those born after that date will be able to access their pension from the age of 66. However, from July 1st anyone born after January 1st 1957 will have to work even longer with the pension age increasing to 67-years-old. Image credits: Facebook

Retirement Life

“If I can work until 70 it'll be a miracle”: Outrage over rising Aussie retirement age

People all across Australia have had a strong reaction to the news that they might have to keep working until they’re 70, if new modelling by Macquarie University’s Business School is anything to go by. According to the model - which takes the nation’s ageing population and declining birth rate into consideration - more people are set to reach pension age, but with fewer people still of working age available to support pensions paid by the state. As Professor Shang explained, “less people in the working group and more in retirement will make the old age dependency ratio (OADR) higher. “What this means is there are less working people to support elderly people. And with more elderly people in the population, this will create a burden for the government pension system.” Results from the group’s study found that in order to maintain the OADR [of 23 per cent], Australia’s pension age should rise to 68 years by 2030, 69 years by 2036, and 70 years by 2050. The news went down like a lead balloon on social media, with one researcher sharing an article to his Twitter, alongside a scathing - and wholly sarcastic - caption of his own. “Hey Millennials. Why are you increasingly getting peeved off at the system? Don’t you know how good you have it?” he asked. “You get to spend your life in debt, experiencing life long housing insecurity, and get to retire when you get wheeled into an age care home.” <blockquote class="twitter-tweet"> Hey Millennials. Why are you increasingly getting peeved off at the system? Don’t you know how good you have it? You get to spend your life in debt, experiencing life long housing insecurity, and get to retire when you get wheeled into an age care home. (Sarcasm font needed). <a href="https://t.co/jHJUxyjHMH">pic.twitter.com/jHJUxyjHMH</a> — Kos Samaras (@KosSamaras) <a href="https://twitter.com/KosSamaras/status/1663484016866246659?ref_src=twsrc%5Etfw">May 30, 2023</a></blockquote> One user was quick to remark that those behind the big decision should “try and be a Tradie at 70”, with the original tweeter agreeing that “after 50 is a stretch”. “Successive Federal Governments (as well as the current one) don't seem to be doing much about this problem!” another wrote. “And we get told we need to re-train to change jobs every 5 years, from a generation who had a ‘Job 4 Life’, Free University and owns all the properties,” one lamented. “We’re also paying their pensions, but we’ll never get a pension, because Superannuation is taken out of our wage also.” Meanwhile, one pretended to look on ‘the bright side’, with the fed up take that “on the plus side, if we are going to be expected to work until 75 or 80, maybe we can get 45-year mortgages to own a home. And our time outside of work will feel much longer when our commutes are 2 hours each way.” “I'm turning 40 this year. If I can work until 70 it'll be a miracle,” someone admitted. “I work In a laborious job and have [had] many injuries and one major injury in the last two years. “My body is already telling me it wants me to stop and find an easier job”. Images: Getty

Retirement Life

Tragic end for pensioner struck by royal motorcade

Helen Holland, the 81-year-old woman who was struck by a police motorcade escorting the Duchess of Edinburgh, has died. <a href="https://www.oversixty.com.au/news/news/elderly-woman-hospitalised-by-royal-motorcycle-escort">Helen was hit on May 10 at the junction of West Cromwell Road and Warwick Road in west London’s Earl’s Court</a>, and was taken to hospital after receiving treatment from paramedics at the scene. Her family confirmed the news of her passing, telling the BBC that while she had fought "for her life for nearly two weeks”, tragically “irreversible damage to her brain finally ended the battle”. Helen had suffered “multiple broken bones and massive internal injuries” in the crash, despite using the “safe route of [a] pedestrian crossing”, according to her son, Martin Holland. In the wake of the devastating incident, her family had announced that Helen was in a coma, with the police later revealing that she remained in a critical condition. In a statement reportedly shared with Sky News, the family had described Helen as a "beautiful, loving, kind, and caring lady who would always put anyone before herself. "The family are deeply saddened and shocked at the news Helen was involved in such a tragic accident.” They went on to share that while she had been 81 years old, she was “sprightly for her age and nothing stopped her living life to the full, spending precious time with her family, muddy walks with the dogs and lunches with friends is what she enjoyed most”, before asking that everyone keep her in their thoughts and prayers. Meanwhile, Buckingham Palace had announced that Sophie - the Duchess of Edinburgh - had offered her “heartfelt thoughts and prayers” to “the injured lady and her family”, and that she was “grateful for the swift response of emergency services and will keep abreast of developments". An investigation was launched by The Independent Office for Police Conduct soon after the event, and it remains ongoing, with the police watchdog assuring Helen’s family that they would keep them “regularly updated as the investigation progresses". That investigation involved examining footage from neary CCTV as well as footage from police body cameras. Additionally, officers who were present at the scene were to be interviewed, while the organisation sought other witnesses to come forward with any more information they might have. While the family waits for answers, they are also coming to terms with their difficult loss, with Helen’s grandson - Joe Strutter Holland - sharing on Facebook, “rest in peace Nanny (Helen) Holland. One of the kindest and most joyful souls you'll ever of had the pleasure of meeting. Taken before her time.” He went on to note that he was glad his grandmother and his son had gotten the chance to meet, writing 'I'll ensure he knows who you are, till we meet again”. Images: Facebook, Getty

Caring

"Get a grip": Retirees roasted over tone-deaf pension question

A pair of retirees - and their significant others - have found themselves at the centre of a new online debate, all because of their submission to one financial advice column, and its circulation on social media. Both retirees - each with millions of dollars to their names - submitted their concerns to the Sun Herald’s George Cochrane, hoping for financial advice and a solid strategy moving forward with their respective retirements. The first request saw a 78-year-old man and his 79-year-old wife ask if they should look into selling some of their shares in order to stay below a threshold. The couple were receiving an account-based pension from their self-managed super fund, with a combined total of nearly $2.3 million - he had $1,5999,956 and she had $675,590 as of July 2017. Their combined funds were invested in Australian shares, they noted, and gave them a “healthy return which includes imputation credits”. They went on to share that since 2017, some of their shareholdings had “more than doubled in value”, and that the husband’s contribution to their fund had exceeded “the $3 million limit which the government intends to bring in.” “What will be the tax implications if my SMSF reaches $4 million and my wife’s $1.8 million?” they asked. “Should we sell some of our shares to stay below the $3 million threshold?” The second request came from a 60-year-old woman on behalf of herself and her 50-year-old husband, in which she revealed they had property valued at $4 million, and that they’d accessed her super to pay their $300,000 mortgage. His super, meanwhile, still contained half a million. Additionally, the two had plans to relocate to Europe to a “less expensive property” in order for them to spend more time - and have more funds to put towards - travelling. “We prefer not to work,” she shared, “have no children and intend to spend all our money. What would be a good strategy?” Advice was given, but the column’s wave of response came when The Guardian’s deputy news editor Josephine Tovey shared it to her Twitter, sharing her thoughts on the “generational inequality” it represented, and closing her take with the line “what problems to have”. <blockquote class="twitter-tweet"> Honestly if you want to get your blood up about generational inequality in Australia may I recommended the letters on the Money page of the Sun Herald? What problems to have. <a href="https://t.co/uka3EpbOOj">pic.twitter.com/uka3EpbOOj</a> — Josephine Tovey (@Jo_Tovey) <a href="https://twitter.com/Jo_Tovey/status/1660073911944638464?ref_src=twsrc%5Etfw">May 21, 2023</a></blockquote> Many - mostly those from younger generations, primarily millennials - were quick to side with Tovey, unable to wrap their heads around the idea that the couples’ problems were valid ones. “Oh no. I have TOO MUCH MONEY. What to do, what to do,” one user wrote. “‘I have more money than I know what to do with. Please help’,” another contributed. “I'd ‘prefer not to work’ too but here I am,” one quipped. And as someone else put it, “more than $4 million in assets but too cheap to pay for professional advice. Nothing could be more boomer than this.” “I think that there is huge inequity and variance among Boomers - often depending on the presence or absence of intergenerational wealth,” another user noted. “Ditto with millennials cos of [the] same reason”. However, for every person who was condemning them, another was prepped and ready to come to their defence. “Dear oh dear. Tall poppy syndrome strikes again - Australians are so good at trying to tear down the successful,” one said. “Seriously, get a grip everyone. Good luck to them and I hope they enjoy their respective retirements.” “My partner and I don’t have kids, we live in a modest house and save as much as we can so that we can retire early and travel, we are not landlords, we didn’t inherit any money but we should have about $2 million to retire on, we are working class,” one shared, “doesn’t seem wrong to me.” “They obviously worked hard and earnt it!! Haters going to hate - but good on them - I hope in 20 years when I retire, I have problems like this too,” another wrote. “So they have worked hard all their lives, they don’t have children and they want to travel - why is this an issue?” someone wanted to know, before adding that “they deserve to spend their twilight years in comfort.” Images: Twitter

Money & Banking

Streets on fire after controversial raising of retirement age

French Emmanuel Macron has ignited a furious spark in the people of France with controversial new pension reforms - those that would see the country’s pension age raised from 62 to 64. The changes were reportedly pushed through their parliament without a proper voting process - it has been said that Macron employed “special constitutional powers” to see it through. Protesters flocked to the streets in response, with over 250 different protests organised nationwide, in a move that has been praised by union leaders. However, while hundreds of thousands of participants experienced peaceful marches through some of the country’s largest cities, tensions were high in Bordeaux, and the town hall felt the full brunt of it when it was set alight. While it is not known who was responsible for the fire, it was quickly extinguished. In Paris, where the majority took part in peaceful demonstrations, violence did rear its head, with a number of clashes between protestors and police officers breaking out - shop windows were broken, street furniture demolished, and fast food establishments attacked. It has also been reported that while police were the target of various projectiles, they made use of tear gas to push back those responsible for any rioting behaviour. And at Place de l’Opera, the location at which demonstrators concluded their march, the tear gas was back, covering a portion of the area in a haze of fumes. The official demonstration in Paris - which had drawn people from all over the French social spectrum - was not the only one to take a violent turn, with the cities of Nantes, Rennes, Lorient, and Lyon facing similar fates. The protests, coupled with strikes and industrial action across the country, disrupted transport and prompted the cancellation of flights, with airport authorities claiming roll-on effects from the chaos. Protestors also succeeded in blocking off Terminal 1 of France’s largest international airport, the Charles de Gaulle airport. As to why the French had taken this approach to fighting the reforms, one demonstrator in Nantes summed it up by declaring “the street has a legitimacy in France. “If Mr Macron can't remember this historic reality, I don't know what he is doing here.” And as another told Reuters, "I oppose this reform and I really oppose the fact that democracy no longer means anything. We're not being represented, and so we're fed up." "It is by protesting that we will be able to make ourselves heard because all the other ways ... have not allowed us to withdraw this reform," another explained to AFP. The women on the streets were furious, seeing Macron’s move as one that targeted them in particular, especially those that had been forced to step away from their careers to dedicate their time to raising their children. As one social worker told The Guardian, “everyone is angry. Everyone thinks this law is unfair, but it particularly penalises women who are expected to produce future generations of the nation, and then find they are punished for doing so.” “They want to raise it to 64 today. Will it be 66, 67, 68 tomorrow?” a teacher implored. “They tell us life expectancy is longer but are we to work until we collapse and are carted off to the crematorium?” Images: Getty

Retirement Life

Major boost to pension and allowance just days away

The federal government has announced big changes to government allowance, with nearly 5 million Aussies set to benefit from an increase to their pension payments. Read more: Almost 5 million Aussies will receive a major increase to their pension payments as they are indexed to inflation. Recipients of the Age Pension, Disability Support Pension and Carer Payment can expect an increase of $37.50 a fortnight for singles and $56.40 a fortnight for couples combined. The maximum fortnightly rate of the pension is set to increase to $1,064 for singles and $1,604 for couples, including the pension and energy supplements. Single, childless JobSeeker and ABSTUDY recipients over 22 will receive an extra $24.70 per fortnight. Each half of a couple receiving payments will receive a $22.50 increase per fortnight. Single parents receiving the parenting payment will benefit from an extra $33.90 a fortnight. Single parents on the parenting payment will also receive an additional $33.90 per fortnight, with the rate increasing to $967.90, including the Pension Supplement, Energy Supplement, and Pharmaceutical Allowance. Single, childless recipients of the maximum rate Common Rent Assistance will see an increase of $5.60, receiving $157.20 per fortnight. People who receive the maximum rate and have one or two children will see an increase of $6.58 to $184.94 per fortnight, while those with three or more children will receive an increase of $7.42 to $208.74 per fortnight. According to the federal government, the indexation of social security payments will bring cost-of-living relief for 4.7 million people. Social Services Minister Amanda Rishworth said the government was supporting Australians most in need. "Australia's social security system exists to support our most vulnerable citizens, and we know they are feeling the pinch," she said. "Indexation is a pillar of our social security system and we want more money in the pockets of everyday Australians so they can better afford essentials. "The increase is an important part of the system and helps those doing it toughest.” The indexation of payments begins on March 20. Image credit: Getty

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