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Aussies working in "priority occupations" eligible for cash increase

Thousands of hard-working Aussies who work in certain areas are now eligible for new training and support payments of up to $10,000. The initiative comes to support Australians working in sectors with a high demand for skilled workers, and a commitment to clean energy. From July 1st, thousands of apprentices working in what the government deems as “priority occupations” are eligible for the $5,000 Australian Apprenticeship Training Support Payment. If those priority occupations also offer exposure and experience in “clean energy”, apprentices are instead eligible for the more lucrative New Energy Apprenticeship Support Payment of up to $10,000. The list of "priority occupations" is extensive and includes aged care workers, arborists, bakers, beauty therapists and many more. According to the Department of Employment and Workplace Relations (DEWR), the jobs are characterised by a strong current demand for skilled workers, and a strong demand expected in the future. The clean energy jobs also include many different professions, with agricultural and agritech technicians, automotive electricians, regular electricians, gas fitters, glaziers, joiners, plumbers and welders all included. The full list of priority jobs can be found on the <a href="https://www.dewr.gov.au/skills-support-individuals/resources/appendix-australian-apprenticeship-priority-list-1-january-2024" target="_blank" rel="noopener" data-link-type="article-inline">Department of Employment and Workplace Relations website.</a> For the Australian Apprenticeship Training Support Payment, the $5000 payment comes in four instalments over two years, while the New Energy Apprentice Support Payment is paid out over the course of the apprenticeship — up to $5000 for part-time apprentices and up to $10,000 for full-time apprentices. It is hoped the payments will incentivise apprentices to remain on the career pathway. Image credits: Shutterstock

Money & Banking

"Take it back to her”: Parents' heartbroken plea to thieves who targeted their daughter's grave

When three-year-old Brittany Conway died after swelling a button battery, news of her death made headlines and prompted urgent warnings to parents everywhere. Now, just one month out from the four-year anniversary of Brittany's death, her parents are grieving all over again after their daughter's grave was targeted by callous thieves, who took off with a "precious" keepsake. “She was a vivacious little girl, there was a sparkle in her eye,” Brittany’s mother Lorraine told <a href="https://7news.com.au/news/our-little-princess-parents-anguish-after-precious-item-stolen-from-childs-grave-c-15205766" target="_blank" rel="noopener">7News</a>. “She was a very loving, gentle, funny character.” Brittany’s love of tiaras was immortalised when one was placed inside a locked glass-front box attached to her grave. “Brittany loved wearing big bows and pretty dresses, she loved the tiaras and high heels,” Lorraine said. “We just wanted her to know she was our little princess.” Brittany's parents were heartbroken when they discovered that thieves had pried open the lockbox on the grave and stolen the tiara. “I was so angry to think someone had taken something so precious, taken it out of somewhere so sacred,” Lorraine said. The local Gold Coast community has rallied around the family, offering to replace the tiara and even reward money for the beloved item to be returned. Brittany’s parents are still hoping the tiara will be returned, and sharing a public message to the thief that they “did not hate them” for what they had done, but urged them to give the item back. “I’m still angry, I’m hurt, but my main thing now is to get (the tiara) home, and bring it back to Brittany where it belongs,” Lorraine said. “They haven’t thought about how much of an impact it has had on the family." “If you’re watching this, and you’ve taken it, I don’t hate you — just take it back to her.” Image credits: 7News

Family & Pets

Tucker Carlson hits back at "stupid" Aussie journalist

The poster boy for conservative America has locked horns with an Aussie journalist in a heated exchange that has gone viral. Tucker Carlson, a former Fox News host in the USA and all round controversial figure, is currently doing the rounds Down Under as a guest of Clive Palmer, and took to the stage to make a speech at the Australian Freedom Conference at the Hyatt Hotel in Canberra on Tuesday. With his signature move being to look for an argument, Carlson found a worthy opponent in AAP Newswire’s Kat Wong, who wasted no time in attempting to get under the 55-year-old’s skin. Wong quizzed Carlson about his controversial immigration views, saying he had “talked” about the “Great Replacement Theory” and how “white Australians, Americans and Europeans” are being replaced by “non-white immigrants”, but Carlson was quick to challenge the question. “Whites are being replaced? I don’t think I said that,” he interjected. “Well, it’s been mentioned on your show 4000 times,” Wong replied. “Really? When did I say that? I said ‘whites’ are being replaced?” he responded. When Wong insisted he had, Carlson challenged her to “cite that”. “I said native-born Americans are being replaced, including blacks,” he continued. “African-Americans have been in the United States, in many cases, for more than 400 years and their concerns are as every bit as real and valid and alive to me as the concerns of white people whose families have been there for 400 years." “I’ve never said that ‘whites’ are being replaced. Not one time and you can’t cite it.” When Wong said “I believe that’s untrue”, Carlson took it up a level. <blockquote class="twitter-tweet"> Meet the Australian media. <a href="https://t.co/IyiEqihPkb">pic.twitter.com/IyiEqihPkb</a> — Tucker Carlson (@TuckerCarlson) <a href="https://twitter.com/TuckerCarlson/status/1806034521369776406?ref_src=twsrc%5Etfw">June 26, 2024</a></blockquote> “We just met, but when our relationship starts with a lie, it makes it tough to be friends,” he said. “You actually can’t cite it because I didn’t say it and I don’t believe it, and I’m telling you that to your face. So, why don’t you just accept me at face value?” Carlson doubled down on his views by calling immigration "immoral", saying governments were negligent by “shifting their concern” to immigrants in order to solve the population growth. “In my view, happy people have children,” he said. “And a functioning economy allows them to do that.” “So you need to fix the economy and fix the culture so the people who want to have kids can,” he continued. “You don’t just go for the quick sugar fix of importing new people. That’s my position and if you think that’s racist, that’s your problem.” Wong replied by saying “I never called you a racist” but it only fired Carlson up more. “But of course, you are suggesting … I must say one of the reasons why people don’t like people like you in the media is that you never say exactly what you mean,” Carlson said. “Your slurs are all by implication. You’re about to tell me the Great Replacement Theory is racist or antisemitic, whatever. I’ve said what I’ve said to you right now like 100 times in public." “I hope to, if I live long enough, to say it 100 more times. I think it’s completely honest and real, not racist or scary. It’s factually true. It’s not a theory, it’s a fact." Carlson then took the fight to the issue of gun control when Wong suggested that it is Americans the same immigration theories that turn to violence and commit mass shootings, to which Carlson quickly rejected as he took aim at Wong. “Oh god, come on,” Carlson said. “How do they get people this stupid in the media? I guess it doesn’t pay well. Look, I’m sorry, I’ve lived among people like you for too long. I don’t mean to call you stupid, maybe you’re just pretending to be." He clarified his stance by saying, "But I’m totally against violence." But Wong wouldn’t stop her line of questioning, asking “Right, so therefore you support gun control?” “What?! I thought it couldn’t get dumber, but it did,” he said. “No, I don’t support disarming law-abiding people so they can’t defend themselves, so the government has a monopoly on violence. I don’t think so." Before leaving the stage, Carlson took a broad swipe at Australian media, saying, "I got here and the country is so unbelievably beautiful, and the people are so cheerful and funny, and cool, and smart. " “I’m like, ‘your media has got to be better than ours. It can’t just be a bunch of castrated robots reading questions from the boss’." “And then it turns out it’s exactly the same. Maybe even a tiny bit dumber.” A lengthy clip of the tense exchange has since gone viral amongst conservative X users, with Sky News Australia host Rita Panahi chiming in on the discourse. “If you are going to show up and make outrageous claims and try to connect Tucker Carlson to mass killers, then I don’t know, perhaps go to the trouble of citing a source, have a direct quote from the man,” Ms Panahi said. “Otherwise, you are going to look like an absolute fool.” Image credits: LUKAS COCH/EPA-EFE/Shutterstock Editorial <p style="box-sizing: inherit; margin: 0px 0px 24px; padding: 0px; border: 0px; font-stretch: inherit; line-height: inherit; font-family: 'Helvetica Neue', HelveticaNeue, Helvetica, Arial, sans-serif; font-size-adjust: inherit; font-kerning: inherit; font-variant-alternates: inherit; font-variant-ligatures: inherit; font-variant-numeric: inherit; font-variant-east-asian: inherit; font-variant-position: inherit; font-feature-settings: inherit; font-optical-sizing: inherit; font-variation-settings: inherit; font-size: 18px; vertical-align: baseline;">

News

Aussies urged to claim their share of millions of unclaimed cash

Aussies are being urged to claim their share of $577 million which is sitting unclaimed with Revenue NSW, with about $234 million of that designated as belonging to residents who have yet to claim it. During the last financial year, NSW Government returned more than $21.8 million in unclaimed funds to Aussies, setting a record in the process. The unclaimed funds are comprised of payments, refunds, unpresented cheques, dividends and other money that organisations cannot transfer to its rightful owners, sometimes due to something as simple as changed addresses or bank accounts. While $234 million is being held by the government for NSW residents who are known, the further $343 million is designated to those who live outside New South Wales or are currently unknown. For Sydney residents alone, approximately $85.4 million is currently waiting to be claimed by rightful owners. The average amount of unclaimed money owed on the register is $391, and more than $154 million has been claimed back from the government in the past decade. “Despite doing our best to give unclaimed money back to the people it’s owed to, we’re still seeing more money referred to us than people are claiming,” Chief Commissioner of State Revenue Scott Johnston said. “We want to make sure everyone knows about the unclaimed money register, so they can jump online, find out if any money is owed to them and undertake the process to get it back." “That way we can ensure more money is being returned to those it belongs to, rather than sitting with us for extended periods of time after enterprises and organisations pass it on.” You can find more information about the unclaimed funds, and search the register for your share on <a href="https://www.revenue.nsw.gov.au/unclaimed-money" target="_blank" rel="noopener" data-link-type="article-inline">Revenue NSW’s website</a>. Image credits: Shutterstock

Money & Banking

Walking can prevent low back pain, a new study shows

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/tash-pocovi-1293184">Tash Pocovi</a>, <a href="https://theconversation.com/institutions/macquarie-university-1174">Macquarie University</a>; <a href="https://theconversation.com/profiles/christine-lin-346821">Christine Lin</a>, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a>; <a href="https://theconversation.com/profiles/mark-hancock-1463059">Mark Hancock</a>, <a href="https://theconversation.com/institutions/macquarie-university-1174">Macquarie University</a>; <a href="https://theconversation.com/profiles/petra-graham-892602">Petra Graham</a>, <a href="https://theconversation.com/institutions/macquarie-university-1174">Macquarie University</a>, and <a href="https://theconversation.com/profiles/simon-french-713564">Simon French</a>, <a href="https://theconversation.com/institutions/macquarie-university-1174">Macquarie University</a> Do you suffer from low back pain that recurs regularly? If you do, you’re not alone. Roughly <a href="https://pubmed.ncbi.nlm.nih.gov/31208917/">70% of people</a> who recover from an episode of low back pain will experience a new episode in the following year. The recurrent nature of low back pain is a major contributor to the <a href="https://www.thelancet.com/journals/lanrhe/article/PIIS2665-9913(23)00098-X/fulltext">enormous burden</a> low back pain places on individuals and the health-care system. In our new study, published today in <a href="https://www.thelancet.com/journals/lancet/article/PIIS0140-6736(24)00755-4/fulltext">The Lancet</a>, we found that a program combining walking and education can effectively reduce the recurrence of low back pain. <h2>The WalkBack trial</h2> We randomly assigned 701 adults who had recently recovered from an episode of low back pain to receive an individualised walking program and education (intervention), or to a no treatment group (control). Participants in the intervention group were guided by physiotherapists across six sessions, over a six-month period. In the first, third and fifth sessions, the physiotherapist helped each participant to develop a personalised and progressive walking program that was realistic and tailored to their specific needs and preferences. The remaining sessions were short check-ins (typically less than 15 minutes) to monitor progress and troubleshoot any potential barriers to engagement with the walking program. Due to the COVID pandemic, most participants received the entire intervention via telehealth, using video consultations and phone calls. The program was designed to be manageable, with a target of five walks per week of roughly 30 minutes daily by the end of the six-month program. Participants were also encouraged to continue walking independently after the program. Importantly, the walking program was combined with education provided by the physiotherapists during the six sessions. This education aimed to give people a better understanding of pain, reduce fear associated with exercise and movement, and give people the confidence to self-manage any minor recurrences if they occurred. People in the control group received no preventative treatment or education. This reflects what <a href="https://www.sciencedirect.com/science/article/abs/pii/S2468781222001308?via%3Dihub">typically occurs</a> after people recover from an episode of low back pain and are discharged from care. <h2>What the results showed</h2> We monitored the participants monthly from the time they were enrolled in the study, for up to three years, to collect information about any new recurrences of low back pain they may have experienced. We also asked participants to report on any costs related to their back pain, including time off work and the use of health-care services. The intervention reduced the risk of a recurrence of low back pain that limited daily activity by 28%, while the recurrence of low back pain leading participants to seek care from a health professional decreased by 43%. Participants who received the intervention had a longer average period before they had a recurrence, with a median of 208 days pain-free, compared to 112 days in the control group. Overall, we also found this intervention to be cost-effective. The biggest savings came from less work absenteeism and less health service use (such as physiotherapy and massage) among the intervention group. This trial, like all studies, had some limitations to consider. Although we tried to recruit a wide sample, we found that most participants were female, aged between 43 and 66, and were generally well educated. This may limit the extent to which we can generalise our findings. Also, in this trial, we used physiotherapists who were up-skilled in health coaching. So we don’t know whether the intervention would achieve the same impact if it were to be delivered by other clinicians. <h2>Walking has multiple benefits</h2> We’ve all heard the saying that “prevention is better than a cure” – and it’s true. But this approach has been largely neglected when it comes to low back pain. Almost all <a href="https://www.sciencedirect.com/science/article/pii/S0140673618304896?via%3Dihub">previous studies</a> have focused on treating episodes of pain, not preventing future back pain. A limited number of <a href="https://pubmed.ncbi.nlm.nih.gov/26752509/">small studies</a> have shown that exercise and education can help prevent low back pain. However, most of these studies focused on exercises that are not accessible to everyone due to factors such as high cost, complexity, and the need for supervision from health-care or fitness professionals. On the other hand, walking is a free, accessible way to exercise, including for people in rural and remote areas with limited access to health care. Walking also delivers many other <a href="https://www.vichealth.vic.gov.au/sites/default/files/VH_Benefits-of-Walking-Summary2020.pdf">health benefits</a>, including better heart health, improved mood and sleep quality, and reduced risk of several chronic diseases. While walking is not everyone’s favourite form of exercise, the intervention was well-received by most people in our study. Participants <a href="https://pubmed.ncbi.nlm.nih.gov/37271689/">reported</a> that the additional general health benefits contributed to their ongoing motivation to continue the walking program independently. <h2>Why is walking helpful for low back pain?</h2> We don’t know exactly why walking is effective for preventing back pain, but <a href="https://www.e-jer.org/journal/view.php?number=2013600295">possible reasons</a> could include the combination of gentle movements, loading and strengthening of the spinal structures and muscles. It also could be related to relaxation and stress relief, and the release of “feel-good” endorphins, which <a href="https://my.clevelandclinic.org/health/body/23040-endorphins">block pain signals</a> between your body and brain – essentially turning down the dial on pain. It’s possible that other accessible and low-cost forms of exercise, such as swimming, may also be effective in preventing back pain, but surprisingly, <a href="https://pubmed.ncbi.nlm.nih.gov/34783263/">no studies</a> have investigated this. Preventing low back pain is not easy. But these findings give us hope that we are getting closer to a solution, one step at a time.<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/231682/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/tash-pocovi-1293184">Tash Pocovi</a>, Postdoctoral research fellow, Department of Health Sciences, <a href="https://theconversation.com/institutions/macquarie-university-1174">Macquarie University</a>; <a href="https://theconversation.com/profiles/christine-lin-346821">Christine Lin</a>, Professor, Institute for Musculoskeletal Health, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a>; <a href="https://theconversation.com/profiles/mark-hancock-1463059">Mark Hancock</a>, Professor of Physiotherapy, <a href="https://theconversation.com/institutions/macquarie-university-1174">Macquarie University</a>; <a href="https://theconversation.com/profiles/petra-graham-892602">Petra Graham</a>, Associate Professor, School of Mathematical and Physical Sciences, <a href="https://theconversation.com/institutions/macquarie-university-1174">Macquarie University</a>, and <a href="https://theconversation.com/profiles/simon-french-713564">Simon French</a>, Professor of Musculoskeletal Disorders, <a href="https://theconversation.com/institutions/macquarie-university-1174">Macquarie University</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/walking-can-prevent-low-back-pain-a-new-study-shows-231682">original article</a>. </div>

Body

Aussie carers to receive a hefty cash boost

Australian carers are set for a hefty financial increase in addition to their ongoing support payments from July 1st. <a href="https://www.servicesaustralia.gov.au/carer-supplement" target="_blank" rel="noopener">Services Australia</a> confirmed that those receiving the Centrelink Carer Supplement will see a $600 cash boost automatically hit their bank accounts between July 3rd and August 2nd. Carers will receive the $600 annual supplement for each of the carer payments they receive. That includes the Carer Payment, which provides income support for over 300,000 Australians who, “because of the demands of their caring role, are unable to support themselves through substantial paid employment.” The payment will also supplement recipients of the Carer Allowance, which can be received in addition to income support payments, and is received by over 640,000 carers who “provide daily care and attention at home for a person with a disability, severe medical condition or who is frail and aged”. Those receiving the Department of Veterans’ Affairs Partner Service Pension and Carer Allowance, and the Department of Veterans’ Affairs Carer Service Pension will also be eligible for the cash boost. “How much you get depends on the percentage of care you provide,” Services Australia said. “You’ll get a Carer Supplement for each eligible payment you get. For example, if you get a Carer Payment and a Carer Allowance, you’ll get two Carer Supplements.” “This payment doesn’t add to your taxable income,” Services Australia said. Image credits: Shutterstock

Money & Banking

Jelena Dokic hits back at body shaming trolls

Jelena Dokic has hit back at body shaming trolls after revealing her dramatic weight loss. The former tennis player revealed that she has lost 20kgs after becoming concerned about her family's health history, and she had a message for online bullies. “It’s not good if you gain weight and it’s not good if you lose weight. It’s not good if you are a size zero, 10 or 18 it seems,” she wrote in the raw Instagram post on Monday. “So you all know I am very open and honest. “Whether I gain weight, lose weight, depressed, feel great, go through the good or the bad, I am always honest about both sides. “So I thought I would just quickly address my recent weight loss because a few people have written to me and also commented. “So, I have lost 20 kilos from my heaviest weight last year. “I had some health issues but also I just wanted to get healthier and fitter and when I turned 40 last year, I really started to think about my family history of diabetes, high blood pressure and heart problems. “Also, my work has increased dramatically and I needed to be fitter both physically and mentally and have more energy. “I didn’t have enough energy especially mentally to keep up. I needed to eat healthier to achieve that. “So, I didn’t focus on weight so much but just making better choices to feel my best. “With that the weight started coming off.” While she has previously faced people bullying her over her weight gain, she revealed that she's also been copping flak for losing weight, with some shaming her saying that: "I have succumbed to the ‘diet culture’ and don’t represent the plus size people anymore." "Please don’t even go there,” she said. She added that she will always stand up for people no matter their size, especially women. “It was always about not judging, shaming and bullying people no matter what their weight and size is and instead highlighting that kindness is what matters, not our size. “So, while I have lost 20 kilos it changes nothing. “I still want people to value me and others based on whether we are kind and good people. “I will always be proud of myself and not hide or be embarrassed no matter what size I am. And I will always be against body shaming and against valuing people based on their size and weight no matter if I gain or lose some kilos and dress sizes. “Always against body shaming no matter what.” Her post has already received over 45,000 likes and 3,000 comments, with many praising her for speaking up. “Keep well Jelena, don’t listen to the noise, you will never please everyone. Just keep doing the amazing work you do, love your commentary,” wrote one follower. Images: Instagram

Body

Jessica Rowe fires back at ridiculous Peter Overton claims

Jess Rowe has clapped back at a magazine that claims her marriage to Peter Overton is in "crisis". The presenter made the "shocking" discovery on the front page of a magazine while walking through the shopping centre, and took to her TikTok account to debunk the wild claims. The cover of the Woman's Day mag shows paparazzi photos of the couple looking distressed alongside the title: Pete and Jess in Crisis: Why She’s Standing By Him. “Look at what I learned when I was at the supermarket checkout today,” Rowe said in the opening of the facetious video, which has been viewed more than 40,000 times. “I was staring back at myself on the front of the magazine … According to the magazine, we are in crisis. I had to open the magazine to discover why I’m standing by Petey – let me tell you why.” <div class="embed" style="font-size: 16px; box-sizing: inherit; margin: 0px; padding: 0px; border: 0px; vertical-align: baseline; outline: currentcolor !important;"><iframe class="embedly-embed" style="box-sizing: inherit; margin: 0px; padding: 0px; border-width: 0px; border-style: none; vertical-align: baseline; width: 600px; max-width: 100%; outline: currentcolor !important;" title="tiktok embed" src="https://cdn.embedly.com/widgets/media.html?src=https%3A%2F%2Fwww.tiktok.com%2Fembed%2Fv2%2F7376185418213084417&display_name=tiktok&url=https%3A%2F%2Fwww.tiktok.com%2F%40craphousewife%2Fvideo%2F7376185418213084417&image=https%3A%2F%2Fp16-sign-sg.tiktokcdn.com%2Ftos-alisg-p-0037%2FoMZXsDXJQAQ2OOEEwBeEaagUXI6RgpFBm6BmUf%7Etplv-dmt-logom%3Atos-alisg-i-0068%2Fo0A6eXXpDQCZW63mA0FAQrRVtCfxmABIEFgMEX.image%3Fx-expires%3D1717894800%26x-signature%3DXOjZhuATPOIRhqQpkKsQ9VSSCpA%253D&key=59e3ae3acaa649a5a98672932445e203&type=text%2Fhtml&schema=tiktok" width="340" height="700" frameborder="0" scrolling="no" allowfullscreen="allowfullscreen"></iframe></div> She continued to joke about the “flattering photo” that the tabloid used, where she describes herself as “suitably puffy underneath the eyes”, saying pointedly, “I’m looking like I am in crisis." She then shows a photo of the full cover story, titled: Pete and Jess: This Won’t Break Us. “What is going to break us?” Rowe posed. “It turns out, there’s this article all about possible changes to the news that really aren’t based on anything, just some anonymous quotes.” At the video’s conclusion, she read the final quote provided in the “nonsensical article”. “‘But whatever happens they’ll come through it all stronger than ever – that’s just the way they are’,” Rowe quoted. “Oh phew, I was reassured reading that standing at the supermarket line that Petey and I, we’re going to come through it. We’re not in crisis.” The video racked up thousands of likes and comments, with fans of Rowe also condemning the gossip tabloid. “Sometimes you need a magazine to tell you how you’re feeling,” one commenter quipped. “It’s like work gossip,” another said. “I generally need to ask people what is going on in my life that I don’t know is happening.” Image credits: TikTok

Relationships

Trying to save money? Our research suggests paying in cash – while you still can

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/lachlan-schomburgk-1535737">Lachlan Schomburgk</a>, <a href="https://theconversation.com/institutions/university-of-adelaide-1119">University of Adelaide</a>; <a href="https://theconversation.com/profiles/alex-belli-1538870">Alex Belli</a>, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a>, and <a href="https://theconversation.com/profiles/arvid-o-i-hoffmann-1150527">Arvid O. I. Hoffmann</a>, <a href="https://theconversation.com/institutions/university-of-adelaide-1119">University of Adelaide</a> Cash is in crisis. In Australia, it’s now only used for 16% of in-person transactions, down from <a href="https://www.rba.gov.au/publications/bulletin/2023/jun/cash-use-and-attitudes-in-australia.html">about 70%</a> in 2007. The situation is so dire that on Monday, independent federal MP Andrew Gee introduced a <a href="https://www.smh.com.au/politics/federal/saving-the-lobster-prawn-and-pineapple-mps-fight-to-force-shops-to-take-cash-20240603-p5jit4.html">private member’s bill</a> that would force businesses to accept cash or else face big fines. The reality is that over the past decade, technological advancements have utterly transformed the way we pay for goods and services. Phones and smartwatches can now easily be used to pay by card, and buy-now-pay-later schemes and cryptocurrency payments offer further alternatives. The shift away from cash only <a href="https://www.worldbank.org/en/news/press-release/2022/06/29/covid-19-drives-global-surge-in-use-of-digital-payments">accelerated</a> throughout the COVID pandemic, as health experts recommended avoiding using it for hygiene reasons. Despite these big changes in how we spend money, Australians have perhaps been more focused on how much amid a stubborn cost-of-living crisis. In light of this, our research team wanted to investigate how our choice of payment method can interact with our actual spending habits. Our <a href="https://www.sciencedirect.com/science/article/pii/S0022435924000216#bib0104">latest research</a> offers a simple solution for anyone looking to save money — carry more cash! <h2>We pay less when we pay cash</h2> Drawing on both academic and industry sources, our research team combined the results from more than four decades of prior research on spending behaviour and payment methods into a large dataset. This data spanned 71 research papers, 17 countries, and more than 11,000 participants. State-of-the-art meta-analysis techniques then allowed us to collectively analyse the results from all these prior studies, and re-examine their insights. We found that cashless payments were indeed associated with higher levels of consumer spending compared to cash transactions, something that is referred to in the literature as the “cashless effect”. This cashless effect was consistent across all other payment methods in the data set. Put simply, it doesn’t matter whether you use a credit card, debit card or a buy-now-pay-later service – you are likely to spend more money using cashless methods than when you pay with cash. <h2>The pain of paying</h2> Under the traditional economic view that consumers behave rationally, there should be no differences in spending behaviour between different payment methods – money is money after all. But the existence of the cashless effect shows that the payment methods we use do indeed influence our spending behaviour. The leading theory to explain this effect attributes it to differences in the “pain of paying”, a concept <a href="https://www.researchgate.net/publication/280711796_The_Pain_of_Paying">first coined in 1996</a> that describes the emotions we feel when spending money. Importantly, our choice of payment method can influence the level of pain felt. When paying with cash, we have to physically count out notes and coins and hand them over. Humans seek to avoid losses, and paying by cash sees us physically lose a tangible object. Conversely, nothing has to be handed over to pay cashlessly. We don’t lose anything tangible with a swipe or a tap, so it feels less painful. Preliminary neurological evidence suggests that the “pain of paying” isn’t just an abstract metaphor, and we may feel actual psychological pain with each transaction we make. <a href="https://papers.ssrn.com/sol3/papers.cfm?abstract_id=2901808">Research</a> employing functional magnetic resonance imaging (fMRI) scans to observe brain activity in consumers has shown that paying activates brain regions related to experiencing psychological discomfort. Picture this: You’re at a theme park, excited for a fun day. You use your smartwatch to pay for snacks, souvenirs and rides. It’s all so convenient that you don’t realise how much you’re spending until you check your account later and see that you have completely blown your budget! This is the cashless effect in action − if nothing is physically handed over, it’s easy to lose track of how much is spent. <h2>A great tool for budgeting – while it lasts</h2> The cost of living crisis has made spending control front-of-mind for many people. Our meta-analysis suggests that returning to “cold hard cash” whenever possible could be one valuable tool to help. The increased friction felt when using cash could help people better control their money, even just by providing a moment to pause and consider whether a transaction is necessary. This could help individuals make more mindful decisions, saving money while they can in an increasingly cashless world.<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/231499/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/lachlan-schomburgk-1535737">Lachlan Schomburgk</a>, PhD Researcher in Marketing, <a href="https://theconversation.com/institutions/university-of-adelaide-1119">University of Adelaide</a>; <a href="https://theconversation.com/profiles/alex-belli-1538870">Alex Belli</a>, Senior Lecturer in Marketing, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a>, and <a href="https://theconversation.com/profiles/arvid-o-i-hoffmann-1150527">Arvid O. I. Hoffmann</a>, Professor of Marketing, <a href="https://theconversation.com/institutions/university-of-adelaide-1119">University of Adelaide</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/trying-to-save-money-our-research-suggests-paying-in-cash-while-you-still-can-231499">original article</a>. </div>

Money & Banking

Where did money come from?

<div class="theconversation-article-body"> <a href="https://theconversation.com/profiles/steven-hail-1302961">Steven Hail</a>, <a href="https://www.torrens.edu.au/">Torrens University Australia</a> For the most part, economists continue to believe a story of money told to generations of students by a series of textbooks over the past 150 years. This story asks us to imagine a pre-monetary barter economy, where people bought goods and services by trading them for other goods and services. Eventually a suitable commodity – perhaps gold or silver – emerged as both an acceptable means of exchange for conducting trade and a convenient unit of account for expressing value. Later, coins were issued – eventually to be monopolised by governments – and later still paper money, credit, and banking systems. The problem with this story is that there is no historical evidence to support it. As was <a href="https://www.jstor.org/stable/2802221?seq=1#page_scan_tab_contents">noted</a> by prominent anthropologist Caroline Humphreys: <blockquote> No example of a barter economy, pure and simple, has ever been described, let alone the emergence from it of money … all available ethnography suggests that there has never been such a thing. </blockquote> So where did money come from exactly? One difficulty we face is that writing about money – what gives it value, and how monetary systems work – is not something young economists are generally encouraged to do. As a consequence, among the best articles ever written about money are two now more than 100 years old by British economist Alfred Mitchell-Innes, entitled “<a href="https://www.community-exchange.org/docs/what%20is%20money.htm">What is Money</a>?” and “<a href="https://cooperative-individualism.org/innes-a-mitchell_credit-theory-of-money-1914-dec-jan.pdf">The Credit Theory of Money</a>”. These papers, until recently almost completely ignored by the economics profession, tell a different story, rejecting the idea that money evolved naturally from barter. We can now be confident this version is closer to the truth. And it has big implications for how we think about the role of governments within monetary systems, and what gives money value. Acknowledging the true story of money would force a paradigm shift among economists – no wonder a lot of them don’t want to think about it. <h2>Actually, early governments invented money</h2> The truth is that money predates markets. <a href="https://youtu.be/7cLDFjTt4Bs?si=fDTafcZD_u1S23kD">Governments invented money</a> – it did not emerge independently from pre-existing barter systems. Market economies simply could not develop until money existed. For much of history, the currency tokens people regarded as money had little or no intrinsic value, taking the form of clay tablets, hazelwood tally sticks, base metals, shells or paper. The earliest forms of what Keynes called “modern money” – to distinguish it from gift tokens used for ceremonial purposes in communal groups – go back to the origins of taxation, accounting, and even literacy and numeracy. These early currencies were units of account used to assess the tributes that had to be paid to early governmental institutions in the Middle East. The word shekel is still used as a currency unit, but dates to ancient Babylon and the emergence of money itself, over 5,000 years ago. The idea that the need to pay taxes is what creates a demand for a currency was well understood by colonial governments. They knew how to introduce their currencies into countries they had invaded. To force locals to supply labour or goods to the government, they imposed a tax liability – often, a hut tax. This tax could only be paid using the currency of the colony. Locals had to either work for the colonial government or supply goods to others who did, else they wouldn’t have the specific currency needed to pay taxes. This created a demand for the colonial power’s currency, which the government could then spend. If such a government spent more overall than it withdrew in taxation – running a budget deficit – the community could add the remaining currency to its savings. Taxation and the legal system created a demand for the government’s money and provided the impetus for the development of a monetary economy. Even today, it’s the tax system that drives the monetary system. Demand for a government’s money is guaranteed because people need it to pay federal taxes. <h2>But banks create money too</h2> Actual physical cash makes up a tiny proportion of the money in circulation. Most of what we regard as money is held in our bank deposits, effectively a bunch of numbers on a ledger. Most of these bank deposits are created by banks when they make loans to us, and this is not government money at all – it is private money, created by the banks themselves. When a bank makes a loan to you, that loan becomes an asset for the bank, because you have to pay it back with interest. But at the same time, the loan appears as a deposit of funds in your account, which is a liability for the bank. Technically, you both owe each other. On paper, this means there’s now money in the system that wasn’t there before. The bank hasn’t actually lent you someone else’s money, the loan deposited in your account represents the bank’s IOU to you. Both the loan and the deposit are created by the bank, using nothing more than a computer keyboard. The bank has promised to use its holdings of government money to make payments on your behalf, including tax payments to the government, or to provide you with government money in the form of physical cash. As economist Hyman Minsky once said, “anyone can create money – the problem lies in getting it accepted”. Obviously, private banks don’t issue government currency. The Commonwealth government and its agent, the Reserve Bank of Australia, sit at the top of our own monetary system. Government-issued currency will always have value because it’s the unit of account needed to assess and pay our taxes. How much value the currency holds depends on how much the economy produces, how difficult it is to obtain the currency and on how much tax we have to pay. Here is some food for thought. If we accept that money and markets did not emerge naturally but had to be created by governmental institutions and legal systems, this means that there is no such thing as a genuinely free market, no such thing as a natural rate of unemployment, and no such thing as a natural distribution of income and wealth. The theory that money emerged naturally in the private sector encourages people to believe that free markets are natural systems in which governments only interfere. But in truth, early governments invented the very institutions of money and markets, and the regulatory frameworks that determined how those markets work and in whose interests. Exchange economies have always depended on systems of law and they always will. The more pertinent question concerns who writes those laws – and in whose interests those regulations are applied. <hr /> Correction: This article has been amended to reflect that a loan deposit represents a bank’s IOU to the customer, not to a bank’s other customers, as originally reported.<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/229481/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <hr /> <a href="https://theconversation.com/profiles/steven-hail-1302961">Steven Hail</a>, Associate Professor, <a href="https://www.torrens.edu.au/">Torrens University Australia</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/where-did-money-come-from-229481">original article</a>. </div>

Money & Banking

ALDI's epic snow gear sale is back!

Planning a ski trip or a family getaway in the Snowy Mountains? Aldi has got you covered with the return of its popular Snow Gear Special Buys sale set to hit the shelves on May 18. The highly anticipated sale will see more than 70 products on offer with prices starting from just $4.99 and nothing over $100. Rodney Balech, group director for National Buying at Aldi said this year's range is back and “better than ever”. “Whether you’re planning a solo ski trip or a friendly snowball fight with the family, Aldi’s Snow Gear range offers everything you need at an affordable price, without compromising on quality.” “We’re the also introducing more unisex options for kids, making it easier than ever for parents to hand down outfits to save on buying new sizes year after year.”  “While price and affordability are on everyone’s minds this year, we have also ensured that every item in our range meets the highest benchmarks.” He also said that they have worked with their partners across the globe to ensure that they create “high quality products across every layer”. “[And] now in more sizes than ever. Each item is embedded with innovative technology that is built to provide top-of-the-line durability and comfort in all conditions, so you can feel assured that both you and your budget will feel great carving down the slopes in this year’s range.” A lot is on offer this year, including Adult’s Premium Ski Jackets for just $99.99 and Ski Pants for $79.99, which can often cost more at other retailers. They have also dropped affordable new snow hoodie for $49.99, which they say is highly waterproof and "perfect for newcomers to the snow looking to set themselves up with the right gear without having to blow the budget." Gloves, goggles, helmets, thermoboots and kids knitted accessories are also on offer. For those with younger children, Toddler’s Snow Suit will be up for sale for just $34.99 with a few “mini-me” designs on offer for parents who want to match with their kids. The sizing for teens and young adults have also been extended to give more options for those who are growing up or in between sizes. Images: Aldi/ news.com.au

Travel Tips

Terminal lucidity: why do loved ones with dementia sometimes ‘come back’ before death?

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/yen-ying-lim-355185">Yen Ying Lim</a>, <a href="https://theconversation.com/institutions/monash-university-1065">Monash University</a> and <a href="https://theconversation.com/profiles/diny-thomson-1519736">Diny Thomson</a>, <a href="https://theconversation.com/institutions/monash-university-1065">Monash University</a> Dementia is often described as “the long goodbye”. Although the person is still alive, dementia slowly and irreversibly chips away at their memories and the qualities that make someone “them”. Dementia eventually takes away the person’s ability to communicate, eat and drink on their own, understand where they are, and recognise family members. Since as early as the <a href="https://pubmed.ncbi.nlm.nih.gov/21764150/">19th century</a>, stories from loved ones, caregivers and health-care workers have described some people with dementia suddenly becoming lucid. They have described the person engaging in meaningful conversation, sharing memories that were assumed to have been lost, making jokes, and even requesting meals. It is estimated <a href="https://pubmed.ncbi.nlm.nih.gov/20010032/">43% of people</a> who experience this brief lucidity die within 24 hours, and 84% within a week. Why does this happen? <h2>Terminal lucidity or paradoxical lucidity?</h2> In 2009, researchers Michael Nahm and Bruce Greyson coined the term “<a href="https://pubmed.ncbi.nlm.nih.gov/21764150/">terminal lucidity</a>”, since these lucid episodes often occurred shortly before death. But not all lucid episodes indicate death is imminent. <a href="https://alz-journals.onlinelibrary.wiley.com/doi/10.1002/alz.13667">One study</a> found many people with advanced dementia will show brief glimmers of their old selves more than six months before death. Lucidity has also been <a href="https://www.sciencedirect.com/science/article/pii/S0167494311001865?via%3Dihub">reported</a> in other conditions that affect the brain or thinking skills, such as meningitis, schizophrenia, and in people with brain tumours or who have sustained a brain injury. Moments of lucidity that do not necessarily indicate death are sometimes called <a href="https://alz-journals.onlinelibrary.wiley.com/doi/10.1002/alz.12579">paradoxical lucidity</a>. It is considered paradoxical as it defies the expected course of neurodegenerative diseases such as dementia. But it’s important to note these episodes of lucidity are temporary and sadly do not represent a reversal of neurodegenerative disease. <h2>Why does terminal lucidity happen?</h2> Scientists have struggled to explain why terminal lucidity happens. Some episodes of lucidity have been reported to occur in the presence of loved ones. Others have reported that <a href="https://psywb.springeropen.com/articles/10.1186/s13612-014-0024-5">music can sometimes improve lucidity</a>. But many episodes of lucidity do not have a distinct trigger. <a href="https://www.sciencedirect.com/science/article/pii/S0300957223002162">A research team from New York University</a> speculated that changes in brain activity before death may cause terminal lucidity. But this doesn’t fully explain why people suddenly recover abilities that were assumed to be lost. Paradoxical and terminal lucidity are also very difficult to study. Not everyone with advanced dementia will experience episodes of lucidity before death. Lucid episodes are also unpredictable and typically occur without a particular trigger. And as terminal lucidity can be a joyous time for those who witness the episode, it would be unethical for scientists to use that time to conduct their research. At the time of death, it’s also difficult for scientists to interview caregivers about any lucid moments that may have occurred. Explanations for terminal lucidity extend beyond science. These moments of mental clarity may be a way for the dying person to say final goodbyes, gain closure before death, and reconnect with family and friends. Some believe episodes of terminal lucidity are representative of the person connecting with an afterlife. <h2>Why is it important to know about terminal lucidity?</h2> People can have a variety of reactions to seeing terminal lucidity in a person with advanced dementia. While some will experience it as being peaceful and bittersweet, others may find it deeply confusing and upsetting. There may also be an urge to modify care plans and request lifesaving measures for the dying person. Being aware of terminal lucidity can help loved ones understand it is part of the dying process, acknowledge the person with dementia will not recover, and allow them to make the most of the time they have with the lucid person. For those who witness it, terminal lucidity can be a final, precious opportunity to reconnect with the person that existed before dementia took hold and the “long goodbye” began.<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/202342/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/yen-ying-lim-355185">Yen Ying Lim</a>, Associate Professor, Turner Institute for Brain and Mental Health, <a href="https://theconversation.com/institutions/monash-university-1065">Monash University</a> and <a href="https://theconversation.com/profiles/diny-thomson-1519736">Diny Thomson</a>, PhD (Clinical Neuropsychology) Candidate and Provisional Psychologist, <a href="https://theconversation.com/institutions/monash-university-1065">Monash 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/terminal-lucidity-why-do-loved-ones-with-dementia-sometimes-come-back-before-death-202342">original article</a>. </div>

Mind

Stamp duty is holding us back from moving homes – we’ve worked out how much

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/nick-garvin-1453835">Nick Garvin</a>, <a href="https://theconversation.com/institutions/macquarie-university-1174">Macquarie University</a> If just one state of Australia, New South Wales, scrapped its stamp duty on real-estate transactions, about 100,000 more Australians would move homes each year, according to our <a href="https://e61.in/wp-content/uploads/2024/02/Stamp-duty-effects-on-purchases-and-moves.pdf">best estimates</a>. Stamp duty is an unquestioned part of buying a home in Australia – you put your details in an online mortgage calculator, and stamp duty is automatically deducted from the amount you have to contribute. It’s easy to overlook how much more affordable a home would be without it. That means it’s also easy to overlook how much more Australians would buy and move if stamp duty wasn’t there. The 2010 Henry Tax Review found stamp duty was <a href="https://treasury.gov.au/sites/default/files/2019-10/afts_final_report_part_2_vol_1_consolidated.pdf">inequitable</a>. It taxes most the people who most need to or want to move. The review reported: "Ideally, there would be no role for any stamp duties, including conveyancing stamp duties, in a modern Australian tax system. Recognising the revenue needs of the States, the removal of stamp duty should be achieved through a switch to more efficient taxes, such as those levied on broad consumption or land bases." But does stamp duty actually stop anyone moving? It’s a claim more often made than assessed, which is what our team at the <a href="https://e61.in/wp-content/uploads/2024/02/Stamp-duty-effects-on-purchases-and-moves.pdf">e61 Institute</a> set out to do. We used real-estate transaction data and a natural experiment. <h2>What happened when Queensland hiked stamp duty</h2> In 2011, Queensland hiked stamp duty for most buyers by removing some concessions for owner-occupiers at short notice. For owner-occupiers it increased stamp duty by about one percentage point, lifting the average rate from 1.26% of the purchase price to 2.27%. What we found gives us the best estimate to date of what stamp duty does to home purchases. A one percentage point increase in stamp duty causes the number of home purchases to decline by 7.2%. The number of moves (changes of address) falls by about as much. The effect appears to be indiscriminate. Purchases of houses fell about as much as purchases of apartments, and purchases in cities fell about as much as purchases in regions. Moves between suburbs and moves interstate dropped by similar rates. With NSW stamp duty currently averaging about <a href="https://conveyancing.com.au/need-to-know/stamp-duty-nsw">3.5%</a> of the purchase price, our estimates suggest there would be about 25% more purchases and moves by home owners if it were scrapped completely. That’s 100,000 moves. Victoria’s higher rate of stamp duty, about <a href="https://www.sro.vic.gov.au/rates-taxes-duties-and-levies/general-land-transfer-duty-property-current-rates">4.2%</a>, means if it was scrapped there would be about 30% more purchases. That’s another 90,000 moves. <h2>Even low headline rates have big effects</h2> The big effect from small-looking headline rates ought not to be surprising. When someone buys a home, they typically front up much less cash than the purchase price. While stamp duty seems low as a percentage of the purchase price, it is high as a percentage of the cash the buyer needs to find. Here’s an example. If stamp duty is 4% of the purchase price, and a purchaser pays $800,000 for a property with a mortgage deposit of $160,000, the $32,000 stamp duty adds 20%, not 4%, to what’s needed. If the deposit takes five years to save, stamp duty makes it six. A similar thing happens when an owner-occupier changes address. If the buyer sells a fully owned home for $700,000 and buys a new home for $800,000, the upgrade ought to cost them $100,000. A 4% stamp duty lifts that to $132,000. Averaged across all Australian cities, stamp duty costs about <a href="https://e61.in/wp-content/uploads/2024/02/Stepped-on-by-Stamp-Duty.pdf">five months</a> of after-tax earnings. In Sydney and Melbourne, it’s six. <h2>Stamp duty has bracket creep</h2> This cost has steadily climbed from around <a href="https://e61.in/wp-content/uploads/2024/02/Stepped-on-by-Stamp-Duty.pdf">six weeks</a> of total earnings in the 1990s. It has happened because home prices have climbed faster than incomes and because stamp duty has brackets, meaning more buyers have been pushed into higher ones. Replacing the stamp duty revenue that states have come to rely on would not be easy, but a switch would almost certainly help the economy function better. The more that people are able to move, the more they will move to jobs to which they are better suited, boosting productivity. The more that people downsize when they want to, the more housing will be made available for others. Our findings suggest the costs are far from trivial, making a switch away from stamp duty worthwhile, even if it is disruptive and takes time.<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/225773/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/nick-garvin-1453835">Nick Garvin</a>, Adjunct Fellow, Department of Economics, <a href="https://theconversation.com/institutions/macquarie-university-1174">Macquarie 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/stamp-duty-is-holding-us-back-from-moving-homes-weve-worked-out-how-much-225773">original article</a>. </div>

Money & Banking

Surgery won’t fix my chronic back pain, so what will?

<a href="https://theconversation.com/profiles/christine-lin-346821">Christine Lin</a>, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a>; <a href="https://theconversation.com/profiles/christopher-maher-826241">Christopher Maher</a>, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a>; <a href="https://theconversation.com/profiles/fiona-blyth-448021">Fiona Blyth</a>, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a>; <a href="https://theconversation.com/profiles/james-mcauley-1526139">James Mcauley</a>, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a>, and <a href="https://theconversation.com/profiles/mark-hancock-1463059">Mark Hancock</a>, <a href="https://theconversation.com/institutions/macquarie-university-1174">Macquarie University</a> This week’s ABC Four Corners episode <a href="https://www.abc.net.au/news/2024-04-08/pain-factory/103683180">Pain Factory</a> highlighted that our health system is failing Australians with chronic pain. Patients are receiving costly, ineffective and risky care instead of effective, low-risk treatments for chronic pain. The challenge is considering how we might reimagine health-care delivery so the effective and safe treatments for chronic pain are available to millions of Australians who suffer from chronic pain. <a href="https://www.aihw.gov.au/getmedia/10434b6f-2147-46ab-b654-a90f05592d35/aihw-phe-267.pdf.aspx">One in five</a> Australians aged 45 and over have chronic pain (pain lasting three or more months). This costs an estimated <a href="https://www.aihw.gov.au/getmedia/10434b6f-2147-46ab-b654-a90f05592d35/aihw-phe-267.pdf.aspx">A$139 billion a year</a>, including $12 billion in direct health-care costs. The most common complaint among people with chronic pain is low back pain. So what treatments do – and don’t – work? <h2>Opioids and invasive procedures</h2> Treatments offered to people with chronic pain include strong pain medicines such as <a href="https://pubmed.ncbi.nlm.nih.gov/30561481/">opioids</a> and invasive procedures such as <a href="https://pubmed.ncbi.nlm.nih.gov/36878313/">spinal cord stimulators</a> or <a href="https://onlinelibrary.wiley.com/doi/full/10.1111/imj.14120">spinal fusion surgery</a>. Unfortunately, these treatments have little if any benefit and are associated with a risk of significant harm. <a href="https://bmchealthservres.biomedcentral.com/articles/10.1186/s12913-021-06900-8">Spinal fusion surgery</a> and <a href="https://privatehealthcareaustralia.org.au/consumers-urged-to-be-cautious-about-spinal-cord-stimulators-for-pain/#:%7E:text=Australian%20health%20insurance%20data%20shows,of%20the%20procedure%20is%20%2458%2C377.">spinal cord stimulators</a> are also extremely costly procedures, costing tens of thousands of dollars each to the health system as well as incurring costs to the individual. <h2>Addressing the contributors to pain</h2> Recommendations from the latest <a href="https://www.safetyandquality.gov.au/standards/clinical-care-standards/low-back-pain-clinical-care-standard">Australian</a> and <a href="https://www.who.int/publications/i/item/9789240081789">World Health Organization</a> clinical guidelines for low back pain focus on alternatives to drug and surgical treatments such as: <ul> <li>education</li> <li>advice</li> <li>structured exercise programs</li> <li>physical, psychological or multidisciplinary interventions that address the physical or psychological contributors to ongoing pain.</li> </ul> Two recent Australian trials support these recommendations and have found that interventions that address each person’s physical and psychological contributors to pain produce large and sustained improvements in pain and function in people with chronic low back pain. The interventions have minimal side effects and are cost-effective. In the <a href="https://jamanetwork.com/journals/jama/fullarticle/2794765">RESOLVE</a> trial, the intervention consists of pain education and graded sensory and movement “retraining” aimed to help people understand that it’s safe to move. In the <a href="https://pubmed.ncbi.nlm.nih.gov/37146623/">RESTORE</a> trial, the intervention (cognitive functional therapy) involves assisting the person to understand the range of physical and psychological contributing factors related to their condition. It guides patients to relearn how to move and to build confidence in their back, without over-protecting it. <h2>Why isn’t everyone with chronic pain getting this care?</h2> While these trials provide new hope for people with chronic low back pain, and effective alternatives to spinal surgery and opioids, a barrier for implementation is the out-of-pocket costs. The interventions take up to 12 sessions, lasting up to 26 weeks. One physiotherapy session <a href="https://www.sira.nsw.gov.au/__data/assets/pdf_file/0005/1122674/Physiotherapy-chiropractic-and-osteopathy-fees-practice-requirements-effective-1-February-2023.pdf">can cost</a> $90–$150. In contrast, <a href="https://www.servicesaustralia.gov.au/chronic-disease-individual-allied-health-services-medicare-items">Medicare</a> provides rebates for just five allied health visits (such as physiotherapists or exercise physiologists) for eligible patients per year, to be used for all chronic conditions. Private health insurers also limit access to reimbursement for these services by typically only covering a proportion of the cost and providing a cap on annual benefits. So even those with private health insurance would usually have substantial out-of-pocket costs. Access to trained clinicians is another barrier. This problem is particularly evident in <a href="https://www.ruralhealth.org.au/15nrhc/sites/default/files/B2-1_Bennett.pdf">regional and rural Australia</a>, where access to allied health services, pain specialists and multidisciplinary pain clinics is limited. Higher costs and lack of access are associated with the increased use of available and subsidised treatments, such as pain medicines, even if they are ineffective and harmful. The <a href="https://www.safetyandquality.gov.au/publications-and-resources/resource-library/data-file-57-opioid-medicines-dispensing-2016-17-third-atlas-healthcare-variation-2018">rate of opioid use</a>, for example, is higher in regional Australia and in areas of socioeconomic disadvantage than metropolitan centres and affluent areas. <h2>So what can we do about it?</h2> We need to reform Australia’s health system, private and <a href="https://www.health.gov.au/sites/default/files/documents/2020/12/taskforce-final-report-pain-management-mbs-items-final-report-on-the-review-of-pain-management-mbs-items.docx">public</a>, to improve access to effective treatments for chronic pain, while removing access to ineffective, costly and high-risk treatments. Better training of the clinical workforce, and using technology such as telehealth and artificial intelligence to train clinicians or deliver treatment may also improve access to effective treatments. A recent Australian <a href="https://pubmed.ncbi.nlm.nih.gov/38461844/">trial</a>, for example, found telehealth delivered via video conferencing was as effective as in-person physiotherapy consultations for improving pain and function in people with chronic knee pain. Advocacy and <a href="https://pubmed.ncbi.nlm.nih.gov/37918470/">improving the public’s understanding</a> of effective treatments for chronic pain may also be helpful. Our hope is that coordinated efforts will promote the uptake of effective treatments and improve the care of patients with chronic 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/227450/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/christine-lin-346821">Christine Lin</a>, Professor, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a>; <a href="https://theconversation.com/profiles/christopher-maher-826241">Christopher Maher</a>, Professor, Sydney School of Public Health, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a>; <a href="https://theconversation.com/profiles/fiona-blyth-448021">Fiona Blyth</a>, Professor, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a>; <a href="https://theconversation.com/profiles/james-mcauley-1526139">James Mcauley</a>, Professor of Psychology, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a>, and <a href="https://theconversation.com/profiles/mark-hancock-1463059">Mark Hancock</a>, Professor of Physiotherapy, <a href="https://theconversation.com/institutions/macquarie-university-1174">Macquarie 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/surgery-wont-fix-my-chronic-back-pain-so-what-will-227450">original article</a>.

Body

Legendary Star Wars and James Bond actor passes away

The galaxy far, far away has dimmed a little with the passing of Michael Culver, a distinguished British actor whose name became etched in the annals of cinematic history, particularly for his role in the iconic 1980 film Star Wars: Episode V - The Empire Strikes Back. Culver, who portrayed Captain Needa, the unfortunate Imperial officer, met his demise in one of the franchise's most memorable scenes at the hands of Darth Vader. However, his legacy extends far beyond the realms of science fiction, encompassing a career spanning over five decades of stage, screen and political activism. Born in 1938 in Hempstead, North London, to esteemed parents within the theatre industry, Culver was destined for a life under the spotlight. His father, Roland Culver, was a notable West End stage actor, while his mother, Daphne Rye, served as a casting director in London-based theatre. Following in their footsteps, Culver honed his craft at the London Academy of Music and Dramatic Art, laying the foundation for a prolific acting career. Culver's journey in the performing arts began in the late 1950s, with appearances on Broadway in Shakespearean classics such as King Henry V, Hamlet, and Twelfth Night. His talent soon graced the West End stage in 1962, marking the start of a distinguished theatrical career. Transitioning to the small screen, Culver made his onscreen debut in 1961, captivating audiences with his versatile performances in British television series and movies. However, it was Culver's portrayal of Captain Needa in The Empire Strikes Back that solidified his status as a cultural icon. Despite his character's brief appearance, Culver left an indelible mark on audiences worldwide, immortalised in one of cinema's most unforgettable moments. His confrontation with Vader, culminating in a chilling demise, remains etched in the memories of countless fans, a testament to Culver's ability to captivate audiences with his presence. Beyond his intergalactic exploits, Culver's talents graced a multitude of productions, including notable roles in Sherlock Holmes, A Passage to India, Secret Army, and even appearing in two James Bond movies – From Russia With Love and Thunderball – in uncredited roles. His versatility and dedication to his craft earned him admiration and respect from peers and audiences alike. Yet, Culver's contributions extended beyond the realms of entertainment; in the early 2000s, he shifted his focus to political activism, leveraging his platform to advocate for causes close to his heart. Despite bidding farewell to the limelight, Culver's legacy endures through the countless lives he touched and the memories he forged on stage and screen. An extended message on the Alliance Agents Facebook page, who represented Culver, read as follows: "We are very sad to confirm the passing of our friend and client Michael Culver. A career spanning over 50 years with notable roles in Sherlock Holmes, A Passage to India, Secret Army and of course one of the most memorable death scenes in the Star Wars franchise. Michael largely gave up acting in the early 2000's to concentrate his efforts into his political activism. It's been an honor to have represented Michael for for the last decade and to have taken him to some of the best Star Wars events in the UK and Europe. A real highlight was taking Michael to Celebration in Chicago in 2019. He was lost for words when he saw his queue line with nearly 200 people waiting to see him. We worked with Michael just 3 weeks ago at his last home signing with our friends at Elite Signatures. Michel died on Tuesday 27th February at the age of 85." "We miss him." His passing leaves a void in the hearts of fans and colleagues, a reminder of the fleeting nature of life's curtain call. As we reflect on his remarkable journey, let us celebrate the life and legacy of Michael Culver, an actor whose talents transcended galaxies and whose spirit will continue to inspire generations to come. In his memory, let us heed the timeless words of Captain Needa himself: "We shall double our efforts." Rest in peace, Michael Culver. The force will always be with you. Images: IMDB / Wookiepedia

Caring

Bold idea sees hotel offer thousands in cash back if it rains

In a move that's making waves in the travel industry, a posh hotel in the heart of Singapore has rolled out a revolutionary offer: rain insurance. Yes, you heard it right – rain insurance! InterContinental Singapore, a sanctuary for jet-setters seeking respite from both the humidity and the occasional tropical deluge, has unleashed a game-changer for travellers. Dubbed the "Rain Resist Bliss Package", this offer promises to keep your spirits high even when the rain gods decide to throw a dampener on your plans. Picture this: you've booked your suite at this 5-star haven, eagerly anticipating your Singapore escapade. But lo and behold, the forecast takes a turn for the soggy, threatening to rain on your parade – quite literally. Fear not, dear traveller, for with the Rain Resist Bliss Package, you can breathe easy knowing that if your plans get drenched, your wallet won't. Now, you might be wondering, how does this rain insurance work? Well, it's as simple as Singapore Sling on a sunny day. If the heavens decide to open up and rain on your parade for a cumulative 120 minutes within any four-hour block of daylight hours (that's 8am to 7pm for those not on island time), you're entitled to a refund equivalent to your single-night room rate. The package is available exclusively for suite room bookings starting from $SGD850 per night – so that’s around $965 rain-soaked dollars back in your pocket, no questions asked. No need to jump through hoops or perform a rain dance – just sit back, relax, and let the rain do its thing. And fret not about having to keep an eye on the sky – the clever folks at InterContinental Singapore have got you covered. They're tapping into the data from the National Environmental Agency Weather Station to automatically trigger those rain refunds. It's like having your own personal meteorologist ensuring that your plans stay as dry as your martini. But hey, if the rain does decide to crash your party, fear not! The hotel has an array of dining options to keep your tastebuds entertained while you wait for the clouds to part. And let's not forget, Singapore isn't just about sunshine and rainbows – there are plenty of indoor activities to keep you occupied, from feasting at Lau Pa Sat for an authentic hawker experience to retail therapy at Takashimaya. And here's a silver lining to those rain clouds: fewer tourists! That's right, while others might be scrambling for cover, you could be enjoying shorter lines, less crowded attractions, and even snagging better deals on accommodations. Plus, let's not overlook the fact that the rain brings a welcome respite from the tropical heat, making outdoor adventures all the more enjoyable once the showers subside. So, pack your umbrella and leave your worries behind. With InterContinental Singapore's Rain Resist Bliss Package, you can embrace the unpredictable and turn even the rainiest of days into a memorable adventure. After all, as they say, when life gives you lemons, make Singapore Slings and dance in the rain! Images: InterContinental Singapore / Getty Images

International Travel

"Who cares?": Kyle Sandilands backs Sam Kerr

Kyle Sandilands has weighed in on Matildas captain Sam Kerr's court battle, after it was alleged that she called a police officer in London a <a href="https://www.oversixty.com.au/finance/legal/sam-kerr-s-alleged-racial-comments-revealed-by-uk-paper" target="_blank" rel="noopener">"stupid white b*****d"</a> during a dispute over a taxi fare. Sandilands was quick to defend the Matildas captain during the Kyle And Jackie O show on Tuesday and insisted that calling someone that didn't warrant a criminal conviction. "It's not even a big deal. She call some guy 'white b*****d'. Who cares?" the 52-year-old shock jock said. "White b******s don't care about that. That's for the other races to worry about," he added, before newsreader Brooklyn Ross quickly changed the topic. Kerr, 30, is preparing to face a four-day trial next February, following the incident that occurred after a night out in Twickenham on January 30, 2023. The football star appeared in a London court on Monday after she was accused of using insulting, threatening or abusive words that caused alarm or distress to the officer. Kerr has maintained her innocence, pleading not guilty to the charges brought against her. Her legal team hope to have the case thrown out when they return to court next month. In response to the controversy, the sport's governing body Football Australia (FA) said that while they were aware of the legal proceedings, they didn't know about the charges laid against Kerr. "As this is an ongoing legal matter, we are unable to provide further comment at this time. Our focus remains on supporting all our players, both on and off the field. We will continue to monitor the situation and provide support as appropriate," they said in a statement. Images: Kyle and Jackie O show/ Getty

Legal

“I’m excited to be back”: Fergie joins list of luminaries Down Under

Sarah Ferguson has returned to Australia for the first time in years to help battle a major problem facing our nation, while sharing her love for the country. The Duchess of York is visiting Melbourne to take part in the <a title="www.globalcitizen.org" href="https://www.globalcitizen.org/en/now/melbourne/" target="_blank" rel="noopener">Global Citizen NOW</a> summit from March 4th, which is seeking to drive urgent action to end extreme poverty and address the climate crisis in the Asia-Pacific region. In an exclusive interview with <a href="https://www.news.com.au/lifestyle/real-life/news-life/why-sarah-fergie-ferguson-duchess-of-york-is-back-in-australia/news-story/0a99dbcd4c518d12dcd56b11e89186ba" target="_blank" rel="noopener">news.com.au</a>, Fergie shared her love of Australia, describing the country as a "haven" and sharing her excitement to be back Down Under. “Australia feels like a home away from home to me,” the 64-year-old royal said. “My sister Jane has lived here for decades, so I have visited many times over the years. I have so many memories of wonderful moments." “I remember the excitement of going to the Melbourne Cup with my mother, for example. I’m excited to be back again to make new memories." “I love the Aussie outlook on life and of course I adore your incredible landscapes and wildlife, which are like nothing you see in Europe." “Australia has often been a haven for me. One thing I particularly like is that there is no culture of building people up in order to knock them down again later, which you see elsewhere.” Fergie will be joined at the summit by hundreds of other leading voices, famous personalities and political figures, including actor Hugh Jackman, musicians Crowded House and former Australian Prime Minister Julia Gillard. The Duchess said that she has taken a special interest in the issue of preserving the planet for future generations, worrying about what the state of the world looks like in the years to come for her grandchildren. “Becoming a grandmother has really changed my outlook on life,” she revealed. “I have always loved nature and the great outdoors, but now I find myself reflecting on what sort of world we are going to leave to our grandchildren’s generation." “Let’s be honest, it doesn’t look great, does it? So far, my generation has failed to take the big decisions necessary to safeguard the future of the planet, to the point that scientists are telling us the changes we are seeing to our climate and biodiversity are becoming irreversible." “I really hope we can take global, concerted action to change things. We have a responsibility to do so." Image credits: Getty Images

Caring

Millions of Aussies to get cash boost in weeks

Millions of Australians are set to receive more money when payments are indexed. On March 20, those on the age pension, disability support pension and carer payment will be pocketing extra money. Single people on the pension and carer payment can expect an extra $19.60, with maximum amount increasing to $1116.30. For couples, the rate will go up $29.40 per fortnight, with the maximum being $1682.80. People on rent assistance, JobSeeker, single parenting payments and ABSTUDY will also benefit from payment increases, with single parenting payment going up by $17.50 a fortnight. Single JobSeeker recipients with no kids, and people over 22 on ABSTUDY, will get an extra $13.50 per fortnight, while each member of a couple will get an additional $12.30 per fortnight. The government has also changed the eligibility criteria for parents seeking welfare payments, with the last budget revealing that 77,000 parents will receive benefits for the youngest child up to the age of 14 instead of eight. The income and assets limits will also be increased in line with indexation in March. Social Services Minister Amanda Rishworth said that these changes will be implemented to ensure that Centrelink recipients would be able to have more money in their accounts, with the rise in cost-of-living. “Our number one priority is addressing inflation and cost of living pressures,” Rishworth said. Image: Getty

Money & Banking

12 super simple ways to save some cash

Saving money is a lot easier said than done. Whether you’ve got a holiday you’re thinking about taking, or you just want to make day to day life a little less stressful, there is a range of strategies you can employ to put a couple of dimes together. Here are 12 tips to cut costs: 1. Don't buy luxury, sometimes the budget brands are just as good and save you heaps. 2. Read the junk mail and compare offers because you can get a better deal where you didn't think you could. 3. Cut unnecessary expenses and reduce, if possible, the necessary expenses as well. 4. Buy used goods, it's cheaper and you can haggle. 5. See if you can switch power companies. I'm aware of several people who are saving $250 a year. 6. Borrow books and movies from the library or movie store - it's free or low cost compared to buying new and it's fast. 7. Barter with family and friends, it's free and everyone wins. 8. Take advantage of specials, sales and deals including buying in bulk, it can save you more than you realise. 9. Walk, bike or car pool or use other public transport, it's good for the environment and saves you money. 10. Shop around for the best deal, it might be better elsewhere. 11. Follow insurance company advice: Don't smoke, do have alarms and do get multi policies - it protects you and saves cash. 12. Have a savings account with all the savings from this and don't touch it, you will be amazed at what you have saved in a short time. Written by John Murphy. Republished with permission of <a href="http://www.stuff.co.nz/" target="_blank" rel="noopener">Stuff.co.nz</a>. Image credits: Getty Images

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