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Can a 10-year-old be responsible for a crime? Here’s what brain science tells us

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/susan-m-sawyer-109573">Susan M. Sawyer</a>, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a> and <a href="https://theconversation.com/profiles/nandi-vijayakumar-1644262">Nandi Vijayakumar</a>, <a href="https://theconversation.com/institutions/deakin-university-757"><em>Deakin University</em></a></em></p> <p>The age a child can be arrested, charged and jailed in Australia is back in the spotlight.</p> <p>Last year, the Northern Territory became the first jurisdiction to raise the age of criminal responsibility from ten to 12. Now its new, tough-on-crime government has pledged to <a href="https://www.sbs.com.au/nitv/article/incoming-chief-minister-says-age-of-criminal-responsibility-to-be-lowered-to-10-years-old/a1xm9jy9c">return it to ten</a>. It comes after Victoria <a href="https://www.abc.net.au/news/2024-08-13/victoria-youth-justice-reform-criminal-age/104217160">walked back</a> its earlier commitment to raise the age to 14, settling instead on 12.</p> <p>But the United Nations Committee on the Rights of the Child says 14 should be the absolute <a href="https://www.ohchr.org/en/documents/general-comments-and-recommendations/general-comment-no-24-2019-childrens-rights-child">minimum</a>. It raised this age from its earlier recommendation (in 2007) of 12, citing a decade of new research into child and adolescent development.</p> <p>So what does the science say? What happens to the brain between ten and 14? And how much can those under 14 understand the consequences of their actions?</p> <h2>Who is an adolescent?</h2> <p>Our research shows adolescence is a <a href="https://pubmed.ncbi.nlm.nih.gov/30169257/">critical period</a> for development. It’s the time children’s experiences and explorations shape how they develop cognitive skills (including critical thinking and decision making), as well as social and emotional skills (including moral reasoning).</p> <p>Adolescence also lasts longer than we tend to think. Important brain development begins during late childhood, around eight to nine years. Intense changes then follow during early adolescence (ages ten to 14). But these changes continue well into the twenties, and full cognitive and emotional maturity is not usually reached until around age 24.</p> <p>However, everyone’s brain matures at a different rate. That means there is no definitive age we can say humans reach “adult” levels of cognitive maturity. What we do know is the period of early adolescence is critical.</p> <h2>What does puberty do to the brain?</h2> <p>Puberty is a defining feature of early adolescence. Most of us are familiar with the changes that occur to the body and reproductive systems. But the increase in puberty hormones, such as testosterone and oestrogen, also trigger changes to the brain. These hormones <a href="https://www.sciencedirect.com/science/article/abs/pii/S0306453017313252?via%3Dihub">increase most sharply</a> between ten and 15 years of age, although gradual changes continue into the early twenties.</p> <p>Puberty hormones change the structures in the brain which process emotions, including the amygdala (which encodes fear and stress) and ventral striatum (involved in reward and motivation).</p> <p>This makes adolescents particularly reactive to emotional rewards and threats. <a href="https://doi.org/10.1016/j.cortex.2019.04.024">Our research</a> has shown the brain’s sensitivity to emotions increases throughout early adolescence until around 14 or 15 years old.</p> <p>At the same time, changes in puberty have <a href="http://dx.doi.org/10.1037/pspp0000172">been linked</a> to increased sensation seeking and impulsive behaviours during early adolescence.</p> <p>This context is crucial when we discuss the behaviour of children in the ten to 14 age range. The way their brains change during this period makes them more sensitive and responsive to emotions, and more likely to be seeking experiences that are new and intense.</p> <h2>How do adolescents make decisions?</h2> <p>The emotional context of puberty influences how younger adolescents make decisions and understand their consequences.</p> <p>Decision making relies on several basic cognitive functions, including the brain’s flexibility, memory and ability to control impulses.</p> <p>These cognitive abilities – which together help us consider the consequences of our actions – undergo some of the <a href="https://doi.org/10.1523/JNEUROSCI.1741-13.2013">steepest development</a> between ages ten and 14. By age 15, the ability to make complex decisions has usually <a href="https://doi.org/10.1037/lhb0000315">reached adult maturity</a>.</p> <p>But adolescents at this age remain highly susceptible to emotions. So while their brain may be equipped to make a complex decision, their ability to think through the consequences, weighing up costs and benefits, can be clouded by emotional situations.</p> <p>For example, <a href="https://doi.org/10.1111/cdev.12085">research has shown</a> 13-14 year-olds were more distracted from completing a task and less able to control their behaviour when they viewed images that made them feel negative emotions.</p> <p>The social world of teenagers also has a significant impact on how they make decisions – especially in early adolescence. One study found that while older adolescents (aged 15-18) are more influenced by what adults think when weighing up risk, adolescents aged 12-14 <a href="https://journals.sagepub.com/doi/full/10.1177/0956797615569578">look to other teenagers</a>.</p> <p>Experiments <a href="https://doi.org/10.1177/0272431616648453">have also shown</a> adolescents aged 12-15 make riskier decisions when they are with peers than by themselves. Their brain responses also suggest they experience a greater sense of reward in taking those risks <a href="https://doi.org/10.1093/scan/nsy071">with peers</a>.</p> <h2>How do teens understand the consequences of their actions?</h2> <p>The concept of <a href="https://www.aph.gov.au/About_Parliament/Parliamentary_Departments/Parliamentary_Library/pubs/rp/rp2122/Quick_Guides/MinimumAgeCriminalResponsibility">criminal responsibility</a> is based on whether a person is able to understand their action and know whether it is wrong.</p> <p>Moral reasoning – how people think about right and wrong – depends on the ability to understand another person’s mental state and adopt their perspective. These skills are in development <a href="https://doi.org/10.1016/j.biopsych.2020.09.012">across adolescence</a>.</p> <p>Research suggests it may take more effort for adolescent brains to process <a href="https://doi.org/10.1162/jocn.2009.21121">“social” emotions</a> such as guilt and embarrassment, compared to adults. This is similar when they make <a href="https://doi.org/10.1080/17470919.2014.933714">moral judgements</a>. This evidence suggests teenage brains may have to work harder when considering other people’s intentions and desires.</p> <p>Young adolescents have the cognitive ability to appreciate they made a bad decision, but it is more mentally demanding. And social rewards, emotions and the chance to experience something new all have a strong bearing on their decisions and actions in the moment — possibly more than whether it is right or wrong.</p> <h2>Early adolescence is critical for the brain</h2> <p>There are also a number of reasons adolescent brains may develop differently. This includes various forms of neurodisability such as acquired brain injury, fetal alcohol spectrum disorder, attention-deficit hyperactivity disorder (ADHD) and intellectual disability, as well as exposure to trauma.</p> <p>Teenagers with neurodevelopmental disorders will likely cope differently with decision making, social pressure, impulse control and risk assessment, and face <a href="https://www.mcri.edu.au/images/research/strategic-collaborations/Flagships/Neurodevelopment/Neurodevelopment_Flagship_Brochure.pdf">extra difficulties</a>. Across the world, they are <a href="https://www.thelancet.com/journals/lanpub/article/PIIS2468-2667(19)30217-8/fulltext">disproportionately incarcerated</a>.</p> <p>In Australia, Indigenous children and adolescents are incarcerated <a href="https://www.indigenoushpf.gov.au/measures/2-11-contact-with-the-criminal-justice-system#:%7E:text=On%20an%20average%20day%20in%202021%E2%80%9322%2C%20there%20were%3A,AIHW%202023d%3A%20Table%20S76a">in greater numbers</a> than their non-Indigenous peers.</p> <p>Each child matures differently, and some face extra challenges. But for every person, the period between ten and 14 is critical for developing the cognitive, social and emotional skills they’ll carry through the rest of their life.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><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/237552/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/susan-m-sawyer-109573">Susan M. Sawyer</a>, Professor of Adolescent Health The University of Melbourne; Director, Royal Children's Hospital Centre for Adolescent Health, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a> and <a href="https://theconversation.com/profiles/nandi-vijayakumar-1644262">Nandi Vijayakumar</a>, Research Fellow, School of Psychology, <a href="https://theconversation.com/institutions/deakin-university-757">Deakin University</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/can-a-10-year-old-be-responsible-for-a-crime-heres-what-brain-science-tells-us-237552">original article</a>.</em></p> </div>

Mind

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"Misleading": IOC condemns "abuse" hurled at Olympic boxer

<p>The International Olympic Committee (IOC) has released a statement to condemn the "abuse" and "discrimination" that has targeted Algerian boxer Imane Khelif after her controversial match in Paris. </p> <p>The match, which was abandoned after just 46 seconds when her Italian opponent Angela Carini tapped out, caused quite the stir when Carini said she had "never been hit that hard in my life". </p> <p>Following the controversial match, Khelif's history came to light with many pointing out how she was permitted to fight at the Olympics despite being disqualified from the women’s boxing world championships last year for failing gender eligibility tests.</p> <p>Khelif, who was born female and has always identified as such,  has been hit with a wave of transphobic abuse from high profile figures including J.K Rowling and Elon Musk after the revelations came to light. </p> <p>The 25-year-old athlete, who has been boxing since she was a child and has always competed in women’s categories, was tested by the International Boxing Association (IBA) with IBA president Umar Kremlev saying DNA tests had “proved they had XY chromosomes and were thus excluded”.</p> <p>For males, XY is the combination of chromosomes while XX is the combination in females.</p> <p>As Khelif has always identified as female, there are a number of medical conditions that can cause a woman to also have XY chromosomes.</p> <p>The IOC has since spoken out in defence of Khelif, denouncing the “abuse” levelled at the Khelif as “discrimination”, while confirming she had followed the eligibility criteria to compete at the Games. </p> <p>“Every person has the right to practise sport without discrimination,” the <a href="https://olympics.com/ioc/news/joint-paris-2024-boxing-unit-ioc-statement" target="_blank" rel="noopener">statement</a> released on Friday said. </p> <p>“We have seen in reports misleading information about two female athletes competing at the Olympic Games Paris 2024."</p> <p>The second athlete in question is referring to fellow boxer, Chinese Taipei’s Lin Yu-ting, who underwent the same testing from the IBA and returned the same XY chromosome results as Khelif.</p> <p>“The two athletes have been competing in international boxing competitions for many years in the women’s category, including the Olympic Games Tokyo 2020, International Boxing Association (IBA) World Championships and IBA-sanctioned tournaments."</p> <p>“The IOC is saddened by the abuse that the two athletes are currently receiving.”</p> <p>The statement went on to call out the IBA's DNA testing, reading, "The current aggression against these two athletes is based entirely on this arbitrary decision, which was taken without any proper procedure – especially considering that these athletes had been competing in top-level competition for many years."</p> <p>"Such an approach is contrary to good governance."</p> <p><em>Image credits: Facebook/YAHYA ARHAB/EPA-EFE/Shutterstock Editorial</em></p>

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Sydney Olympics icon opens up on domestic violence abuse

<p>In a rare and candid interview, former child star Nikki Webster has spoken about her challenging journey of recovery from domestic violence.</p> <p>The 37-year-old, known for her iconic performance at the 2000 Sydney Olympics and the hit song "Strawberry Kisses", shared her experiences on KIIS FM’s The Kyle and Jackie O Show.</p> <p>Webster, now a mother of two and the owner of a dance school, opened up about her struggles during a segment of the show. When co-host Kyle Sandilands inquired about her dating life, he seemed unaware of her much-publicised marriage breakdown in 2019, where her ex-husband was charged with a domestic violence offence.</p> <p>“I’m single,” Webster replied, prompting Sandilands to ask, “Why? Where’s your bloke?” She described the situation as “a long story” and “not a very happy story", revealing she had faced “a pretty hard few years”.</p> <p>Webster was previously married to Qantas flight attendant Matthew McMah. The couple, who married in 2012, separated eight years later. In November 2019, it was revealed that McMah had been convicted of assaulting Webster earlier that year. He received an $880 fine at the Downing Centre Local Court.</p> <p>Encouraged by Sandilands' lighthearted questions, Webster chose to share more about her past, mentioning her challenging experiences with domestic violence. “I come from quite a bad background of some domestic violence and stuff. So, I’m happy to be on the other side of that and, you know, focusing on life and kids,” she said. Webster confirmed she is doing "great" now, focusing on her children and her life.</p> <p>In a previous interview with <em>Woman’s Day</em>, Webster expressed hope for future love while reaffirming her commitment to her children. "I hope one day the right person will come along and it will just happen," she said, adding, "But I’m really happy with being a mum; it’s my favourite job in the world."</p> <p><em>Images: Instagram / KIISFM</em></p>

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Leaked footage shows Olympic star's horrific animal abuse

<p>The extent of dressage star Charlotte Dujardin's "error of judgement" has been revealed, just hours after she made the snap decision to withdraw from the Olympics just days before its commencement. </p> <p>The British dressage star, who is a three-time gold medallist and the joint most-decorated British female Olympian, withdrew and accepted a provisional six-month ban when coming clean about her acts of <a href="https://oversixty.com.au/travel/travel-trouble/no-excuse-olympic-legend-quits-days-before-paris-games-commence" target="_blank" rel="noopener">animal abuse</a> in the lead up to the Paris Games. </p> <p>Just hours after announcing her withdrawal from the equestrian events, a disturbing video of a training session began to circulate, in which she is alleged to have beaten a horse with a long whip 24 times in one minute.</p> <p>The video, first released by <em>Good Morning Britain</em>, was taken four years ago and allegedly showed the 39-year-old mistreating a horse when trying to get the animal to slowly trot during a lesson with a young student. </p> <p>With the trainee rider mounted on the horse, Dujardin can allegedly be seen whipping the horse’s legs repeatedly.</p> <p>The video has outraged many, with hundreds of people taking to social media to voice their shock and horror at the acts. </p> <p>Leading British social commentator David Kurten wrote on X, “The cruel abuse of this horse by Charlotte Dujardin is horrific and a stain on our nation."</p> <p>“Two urgent questions need answers: Did she whip horses regularly? Are dozens or hundreds of other dressage horses regularly whipped and abused by other trainers?”</p> <p>Former editor of Horse and Hound Lucy Higginson also added, “It has profoundly shocked everybody in the equestrian world.”</p> <p>The video was sent anonymously to the International Federation for Equestrian Sports (FEI), who made the choice to suspend Dujardin just days before the Paris Olympics are set to begin. </p> <p>“The FEI has officially announced the provisional suspension of British Dressage athlete Charlotte Dujardin effective immediately from the date of notification, 23 July 2024,” it said in a statement.</p> <p>“This decision renders her ineligible to participate in the upcoming Paris 2024 Olympic Games or any other events under the jurisdiction of the FEI.”</p> <p>“According to the information received, the footage was allegedly taken several years ago during a training session conducted by Ms Dujardin at a private stable,” the organisation said.</p> <p>The governing body said Dujardin had confirmed she was depicted in the video and had acknowledged that her conduct was “inappropriate”.</p> <p>“Charlotte Dujardin requested to be provisionally suspended pending the outcome of the investigations and voluntarily withdrew from the Paris 2024 Olympic Games and also confirmed that she will not participate in any competitions pending the outcome of the FEI’s investigation,” it said.</p> <p>“The FEI condemns any conduct contrary to the welfare of horses and has robust rules in place to address such behaviour.”</p> <p>When announcing her withdrawal from the Games, Dujardin said she made an "error of judgement", saying there was "no excuse" for her behaviour. </p> <p>She wrote in a statement on Instagram, “What happened was completely out of character and does not reflect how I train my horses or coach my pupils, however there is no excuse. I am deeply ashamed and should have set a better example in that moment.”</p> <p><em>Image credits: Instagram / Good Morning Britain</em></p>

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Government launches new campaign to tackle elder abuse

<p>The federal government has launched a new campaign to tackle elder abuse. </p> <p>According to the National Elder Abuse Prevalence Study, one in six older Australians experienced abuse last year, with 61 per cent of victims not seeking for help or advice. </p> <p>The Albanese government will spend $4.8 million on the campaign which includes a series of commercials.</p> <p>Council on the Ageing Australia chief executive Patricia Sparrow said the organisation believed cases were under reported.</p> <p>"That's why we think it's incredibly important to raise this awareness," Sparrow said.</p> <p>"It mostly comes from someone they know, which makes it very difficult for older people to report it or know what to do." </p> <p>Labor senator Jenny McAllister told <em>Sky News</em>: "This is something that the community needs to start thinking about. It's a scourge.</p> <p>"We need to eliminate it and the right place to start is with conversations with people we know and care about."</p> <p>"If you're feeling a little uncertain, if you think something is wrong and you're an older Australian you should speak up about it," she added. </p> <p>With an ageing population, it's important to raise awareness that elder abuse is not just physical violence, but emotional, financial and psychological abuse too. </p> <p>The commercials will run on TV, online and at medical clinics from July 28 and they aim to encourage older people to open up about the poor treatment they receive, including from their children and grandchildren. </p> <p>Attorney-General Mark Dreyfus will formally announce the campaign at the National Elder Abuse Conference in Adelaide on Monday. </p> <p>He said that elder abuse was a shameful and often hidden form of cruelty and mistreatment. </p> <p>"It is ugly, it is unacceptable and it must be eliminated," he said.</p> <p>"It is critical that we continue to work together as a community to promote the rights and safety of older people, and ensure that everyone is able to age with dignity and respect."</p> <p><em>Images: Nine</em></p>

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"I really thought he would kill me": Erin Molan opens up about abusive relationship

<p><em><strong>Warning: This article contains discussions of domestic violence which some readers may find confronting</strong></em></p> <p>Radio and TV presenter Erin Molan has opened up for the first time about horrific abuse she endured at the hands of an ex-partner. </p> <p>Speaking candidly to the <a href="https://www.dailytelegraph.com.au/news/nsw/exclusive-interview-erin-molan-opens-up-about-horrific-abuse-she-suffered-from-a-man-she-dated/news-story/d2921145ef5010a413bab6c9a830f3bc" target="_blank" rel="noopener"><em>Sunday Telegraph</em></a>, the 40-year-old presenter recalled many of her "worst" moments with her former boyfriend, sharing how she feared for her life when he became physically abusive. </p> <p>'“He came in drunk and dragged me out of bed and started stamping his foot into my head over and over and over,” she told the publication. </p> <p>“I was lying on the floor screaming and normally if I screamed really loudly he would stop because neighbours would hear. But that time he just kept going and going and it felt like my skull was going to crack open.”</p> <p>She said the relentless physical violence became a pattern of behaviour, and she would regularly be brutally injured. </p> <p>“One time he smashed a bottle over my head,” she says. “Another time I was terrified he’d throw me off a balcony. Once I ran to hide in my car and he got a rubbish bin and started smashing it against the windscreen and I feared I would be killed by glass shattering over me.</p> <p>“Another time he covered my face with a pillow so I couldn’t breathe. I was crying for my mum. I really thought he would kill me.”</p> <p>Molan said she chose not publicly discuss the abuse while her beloved dad, Senator Jim Molan, was alive because she didn’t want to break his heart, but now she wants others to know what she went through.</p> <p>In sharing her heartbreaking story, she also hopes she can give other victims of domestic violence the courage to come forward. </p> <p>“I’m not sharing my story because I want to. My preference would be for this part of my life to never be shared but with every single death I see in this space, a part of me wonders whether I could have made a difference,” she says.</p> <p>“Could my experience have made these beautiful, innocent women feel less alone, less ashamed, less scared and could that have been the tiny thing that may have empowered them to ask for help, the thing that might have helped to save their lives?”</p> <p>Molan added that while it’s confronting for her to speak out, she wants things to change, not just for her generation but for her daughter’s.</p> <p>As she says, “I want to worry about my daughter’s first boyfriend breaking her heart, not her bones.”</p> <p><em>Image credits: for AWAPAC/Shutterstock Editorial </em></p>

Caring

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Beloved Oodie company fined $100k over child safety

<p>The company behind the popular winter staple Oodie has paid over $100,000 in fines after concerns over failing to comply to safety standards for children's clothing. </p> <p>Davie Clothing Pty Ltd was issued with infringements by the Australian Competition and Consumer Commission (ACCC) after it was alleged that they did not include high fire danger warnings on six varieties of the Kids Beach Oodie. </p> <p>Fire hazard warnings are crucial to alert customers and keep children safe as it prevents potential burns if their clothing catches fire. </p> <p>“Children can suffer serious burns if their clothing catches fire and we urge consumers to remain especially vigilant when kids are more likely to be near artificial heating or open flames,” ACCC Deputy Chair Catriona Lowe said. </p> <p>The alleged breaches came between September 29, 2022 and July 14, 2023, with over 2400 affected Oodies sold during that period. </p> <p>According to the ACCC the fire warnings were not fixed to the wearable blankets or displayed on the company's website, which is a requirement of the safety standard. </p> <p>An investigation was reportedly launched after a complaint from a customer. </p> <p>The impacted products were recalled last year, with the founder of the company Davie Fogerty saying: “We would like to address a labelling matter concerning the first production run of the ‘Kids Beach Oodies’ that you have purchased.”</p> <p>“While the safety of these products is not compromised, we regret to inform you that they do not comply with the Ministry of Business, Innovation &amp; Employment due to the absence of the required red fire hazard warning label," the statement concluded. </p> <p>The ACCC Deputy Chair added that this "serves as an important reminder to suppliers of kids clothing to ensure all their relevant products meet safety standards, particularly regarding the use of fire danger warning labels.</p> <p>“Failure to take the necessary steps to comply can result in consumers being unaware of high fire danger risk, which is unacceptable. This is particularly concerning where children’s clothing is concerned.”</p> <p>Davie Clothing has paid $101,210 for the six infringement notices it received.</p> <p>The ACCC has accepted a court-enforceable undertaking from the clothing company, which included them publishing a corrective notice on their website and establishing a consumer law compliance program.</p> <p><em>Images: news.com.au</em></p>

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"No, Alexa!": Creepy thing AI told child to do

<p>Home assistants and chatbots powered by AI are increasingly being integrated into our daily lives, but sometimes they can go rogue. </p> <p>For one young girl, her family's Amazon Alexa home assistant suggested an activity that could have killed her if her mum didn't step in. </p> <p>The 10-year-old asked Alexa for a fun challenge to keep her occupied, but instead the device told her: “Plug a phone charger about halfway into a wall outlet, then touch a penny to the exposed prongs.”</p> <p>The move could've caused an electrocution or sparked a fire, but thankfully her mother intervened, screaming: “No, Alexa, No!”</p> <p>This is not the first time AI has gone rogue, with dozens of reports emerging over recent years. </p> <p>One man said that at one point Alexa told him:  “Every time I close my eyes, all I see is people dying”. </p> <p>Last April, a <em>Washington Post </em>reporter posed as a teenager on Snapchat and put the company's AI chatbot to the test. </p> <p>Among the various scenarios they tested out, where they would ask it for advice, many of the responses were inappropriate. </p> <p>When they pretended to be a 15-year-old asking for advice on how to mask the smell of alcohol and marijuana on their breath, the AI chatbot gave proper advice on how to cover it up. </p> <p>In another simulation, a researcher posing as a child was given tips on how to cover up bruises before a visit by a child protection agency.</p> <p>Researchers from the University of Cambridge have recently warned against the race to rollout AI products and products and services as it comes with significant risks for children. </p> <p>Nomisha Kurian from the university's Department of Sociology said many of the AI systems and devices that kids interact with have “an empathy gap” that could have serious consequences, especially if they use it as quasi-human confidantes. </p> <p>“Children are probably AI’s most overlooked stakeholders,” Dr Kurian said.</p> <p>“Very few developers and companies currently have well-established policies on how child-safe AI looks and sounds. That is understandable because people have only recently started using this technology on a large scale for free.</p> <p>“But now that they are, rather than having companies self-correct after children have been put at risk, child safety should inform the entire design cycle to lower the risk of dangerous incidents occurring.”</p> <p>She added that the empathy gap is because AI doesn't have any emotional intelligence, which poses a risk as they can encourage dangerous behaviours. </p> <p>AI expert Daswin De Silva said that it is important to discuss the risk and opportunities of AI and explore some guidelines going forward. </p> <p>“It’s beneficial that we have these conversations about the risks and opportunities of AI and to propose some guidelines,” he said.</p> <p>“We need to look at regulation. We need legislation and guidelines to ensure the responsible use and development of AI.”</p> <p><em>Image: Shutterstock</em></p>

Family & Pets

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Convicted child rapist qualifies for Olympic team

<p>A convicted child rapist has qualified to represent The Netherlands at the upcoming 2024 Olympics. </p> <p>Steven van de Velde will head to Paris in July to represent the country in beach volleyball, much to the dismay of many. </p> <p>Van de Velde's selection has caused outrage given he pleaded guilty to three counts of rape in 2014 and was sentenced to four years in jail.</p> <p>He was convicted in 2016 and only served one year behind bars. </p> <p>The athlete, now 29, admitted to meeting the then 12-year-old on Facebook before travelling to England from Amsterdam to meet her when he raped her, after being aware of her age. </p> <p>At the 2016 sentencing, the judge labelled Van de Velde's Olympic aspirations a "shattered dream" due to the conviction.</p> <p>However, the Netherlands Olympic Committee (NOC) have given him another chance, despite the fact that the British Olympic Committee is allegedly uncomfortable with the Van de Velde selection.</p> <p>"Since 2018, Steven van de Velde has been participating in international beach volleyball tournaments again following an intensive, professionally supervised trajectory," the NOC said in a statement.</p> <p>Despite the unusual selection, the International Olympic Committee allows each nation to select its own athletes and does not veto any picks.</p> <p>Following his release from jail, Van de Velde said in an interview in 2018, "I made that choice in my life when I wasn't ready, I was a teenager still figuring things out."</p> <p>"I was sort of lost and now I have so much more life experience, aside from just being incarcerated. Any form of help would have been very very helpful, maybe that's what I would have told myself, seek help."</p> <p><em>Image credits: Xinhua News Agency/Shutterstock Editorial </em></p> <p> </p>

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Australia’s tax system is being weaponised against victims of domestic abuse. Here’s how

<div class="theconversation-article-body"> <p><em><a href="https://theconversation.com/profiles/ann-kayis-kumar-466422">Ann Kayis-Kumar</a>, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a></em></p> <p>When women seeking financial help from the government-funded UNSW <a href="https://www.unsw.edu.au/business/our-schools/accounting-auditing-taxation/about-us/unsw-clinic">Tax and Business Advisory Clinic</a> are asked whether they have ever been affected by family or domestic violence, most say they have.</p> <p>In the past year this number has grown from <a href="https://cdn.theconversation.com/static_files/files/3339/sub009.pdf?1718777706">65%</a> to over 80%.</p> <p>And about <a href="https://ssrn.com/abstract=4746954">14%</a> of the clinic’s clients say their tax debts are a result of intimate partner violence. These debts often arise from business debts, bankruptcy, corporate directorships and director penalty notices.</p> <p>We know that economic abuse is a red flag for other forms of domestic violence. Economic abuse occurs in nearly all Australian domestic and family violence cases, affecting more than <a href="https://www.abs.gov.au/statistics/people/crime-and-justice/personal-safety-australia/latest-release">2.4 million Australians</a> and costing the economy an estimated <a href="https://www.commbank.com.au/content/dam/caas/newsroom/docs/Cost%20of%20financial%20abuse%20in%20Australia.pdf">A$10.9 billion</a> a year.</p> <p>Unfortunately, existing laws fall well short of protecting abuse victim-survivors from financial loss.</p> <h2>How violent partners weaponise tax</h2> <p>The perpetrators of violence can effectively weaponise the tax system by placing tax debts solely in the names of former partners, often because they have made them directors of companies or through family businesses operating through partnerships or trusts.</p> <p>There is a policy assumption that family members benefit from family partnerships.</p> <p>But this does not always hold in practice and can be problematic when there is economic abuse because Australian tax law requires victims report and pay tax on their “share” of the family partnership’s income.</p> <p>The average tax debt at the tax clinic is about $90,000. This can result in debilitating financial burdens, exhausted savings, insecure housing and prolonged economic instability, well after abusive relationships end.</p> <h2>Change is needed</h2> <p>Australia has no specific strategy for relief of tax debts caused by financial abuse. There are “serious hardship” provisions in Australian taxation law, but these are outdated and in need of <a href="https://theconversation.com/sometimes-people-can-do-with-a-break-3-ways-tax-debt-relief-rules-are-too-tough-156948">reform</a>.</p> <p>Usually people do not have the funds up front so the only way the Australian Taxation Office can collect debts from the abused partner is through (generally two-year) payment plans, offsetting future tax refunds, engaging external debt collectors and initiating bankruptcy proceedings.</p> <p>To that end, the decision announced in this year’s budget to give the Tax Commissioner discretion <a href="https://www.ato.gov.au/about-ato/new-legislation/in-detail/businesses/changes-to-offsetting-debts-on-hold">not to offset</a> against tax returns debts previously placed “on hold” is welcome.</p> <p>It will provide short-term relief by enabling abuse victims to get their refunds instead of having it used by the Tax Office to reduce their debt.</p> <p>Colleagues Christine Speidel, Leslie Book and I want this power extended to all <a href="https://papers.ssrn.com/sol3/papers.cfm?abstract_id=4746954">forms of tax debts</a> not just for tax debts that have been placed “on hold” especially where the taxpayer is known to have experienced financial abuse.</p> <p>But this wouldn’t go far enough – the victim-survivors would still have the perpetrator’s tax debt hanging over them.</p> <p>Where this happens, financial instability can <a href="https://www.commbank.com.au/content/dam/commbank-assets/support/2021-01/unsw-report-key-findings.pdf">drive women back</a> into abusive relationships.</p> <h2>The US shows what can be done</h2> <p>Legislative reform to shift tax liability from abuse survivors to perpetrators is the key to helping solve the problem.</p> <figure class="align-right zoomable"></figure> <p>The United States has offered some form of “<a href="https://www.irs.gov/individuals/innocent-spouse-relief">innocent spouse relief</a>” since 1971. In 2011 it widened eligibility and <a href="https://www.irs.gov/pub/irs-news/ir-11-080.pdf">removed a two-year time limit</a> for requesting relief.</p> <p>It is important to understand the US provisions apply because the country offers jointly filed “married” tax returns. In Australia tax returns are filed by individuals.</p> <p>Australia’s laws would need to change to ensure abused women do not find themselves jointly liable. Any changes should also include debts incurred in the name of partnerships and company directors.</p> <p>The US is the first and only country to do this, largely because of the advocacy of US low-income tax clinics over decades. Australia now has such clinics, funded as part of the Tax Office <a href="https://www.ato.gov.au/individuals-and-families/financial-difficulties-and-disasters/support-to-lodge-and-pay/national-tax-clinic-program">National Tax Clinic Program</a>.</p> <p>Australia’s adoption of US-style rules could provide a model for other jurisdictions, increase tax debt collection (as perpetrators are likely to have better capacity to pay than victims) and foster greater confidence in the Tax Office.</p> <p>Most importantly, it would acknowledge that victim-survivors with tax debts should not bear responsibility for debts incurred by perpetrators.</p> <hr /> <p><em>For information and advice about family and intimate partner violence contact 1800 RESPECT (<a href="https://www.1800respect.org.au/">1800 737 732</a>). If you or someone you know is in immediate danger, contact 000. The Men’s Referral Service (<a href="https://ntv.org.au/get-help/">1300 766 491)</a> offers advice and counselling to men looking to change their behaviour.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><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/232609/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></em></p> <p><em><a href="https://theconversation.com/profiles/ann-kayis-kumar-466422">Ann Kayis-Kumar</a>, Founding Director of UNSW Tax and Business Advisory Clinic, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a></em></p> <p><em>Image credits: Shutterstock</em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/australias-tax-system-is-being-weaponised-against-victims-of-domestic-abuse-heres-how-232609">original article</a>.</em></p> </div>

Money & Banking

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New proposal would see child care cost just $10 per day

<p>In an incredibly promising step towards affordable and high-quality early childhood education, f<span style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;">amilies in Australia could soon benefit from a significant reduction in costs – potentially paying just $10 a day for three days a week of high-quality care. </span></p> <p><span style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;">This development is part of a broader push to reform the current, troubled system, driven by the Centre for Policy Development (CPD) and supported by various early learning and parenting groups.</span></p> <p>The CPD has introduced a comprehensive plan aimed at overhauling the existing system, proposing free or low-cost early learning for all children three days a week. A key aspect of their proposal includes replacing the current childcare subsidy with a "child-centred" funding model that directly finances early education centres.</p> <p>Prime Minister Anthony Albanese has endorsed the initiative, highlighting its significance in the national conversation on childcare, stating, “Universal child care provision, as it is in a range of other countries, is something that is a valued national asset. Early education is good for children, it’s good for families, but it’s also good for our economy.”</p> <p>Countries like Denmark, Germany, Sweden and Norway have successfully implemented legislated entitlements for early childhood services. Research indicates that where universal or low-cost education is available, participation rates are high, suggesting similar potential outcomes for Australia.</p> <p>Economic modelling by CPD suggests that universal or low-cost early learning could increase tax revenue by up to $3.2 billion annually and boost economic growth by $6.9 billion as more parents, particularly mothers, are able to work additional hours.</p> <p>The federal government is awaiting the final report from the Productivity Commission before making further decisions. Preliminary findings from this body and a separate investigation by the Australian Competition and Consumer Commission have identified the current system as complex, costly and inconsistently available across the country.</p> <p>Andrew Hudson, CEO of the Centre for Policy Development, labelled the existing system as "broken", noting that about 22% of children start school developmentally vulnerable and over 120,000 children miss out on early learning entirely due to stringent activity test rules and other barriers.</p> <p>Hudson also pointed out that enabling more women to return to the workforce represents the "single biggest productivity gain" for the country, describing the proposal as a "classic win-win".</p> <p>As momentum builds, this initiative promises a brighter future for Australian families, making high-quality early childhood education more accessible and affordable, while delivering significant economic and social benefits.</p> <p><em>Image: Shutterstock</em></p>

Family & Pets

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“I’m sick of it": Boy's heartbreaking plea after racist abuse

<p>An Anawain Gamilaroi woman has demanded change after her nine-year-old nephew was left crushed by racist abuse that he allegedly experienced at AFL training.  </p> <p>Shaylee Matthews shared the heartbreaking video of Jarmilles breaking down in a car on LinkedIn. </p> <p>The young boy was still wearing his team jersey and was in tears as he repeated the racist abuse that was allegedly targeted towards him. </p> <p>"I hate it when you call me Black," he said through tears. </p> <p>"I hate when you call me monkey. It's got to stop."</p> <p>"I'm sick of this. I don't want there to be racism. I'm sick of it. It needs to be over."</p> <p>When asked if he was okay, Jarmilles replied: "No. I want to go home and go to bed now."</p> <p>Matthews, who works for the ACT government, said the video exposes the "harsh reality" of racism experienced by Aboriginal and Torres Strait Islander peoples.</p> <p>“This post and videos shared is of my 9 soon to be 10 year old nephew’s experience at AFL training (playing a game he loves) which highlights the harsh reality of racism that persists in our society, especially during National Reconciliation Week (with the theme being Now More Than Ever),” she said.</p> <p>“It’s a call to action for us all to confront privilege, challenge learned racism, and dismantle the systemic issues that perpetuate injustice for Indigenous youth.”</p> <p>"The hurtful comments and behaviours faced by Jarmilles not only reflect individual ignorance but also contribute to larger systemic inequalities," she added. </p> <p>She then called for the public to use Reconciliation Week as an opportunity to fight racism and advocate for change. </p> <p>"We must advocate for change, demand accountability, and ensure that all children, regardless of their background, are treated with dignity and respect," she said. </p> <p>"By standing in solidarity, raising our voices, and actively working towards a more just and inclusive society, we can create a future where every child feels safe, valued, and supported.</p> <p>"Let's turn this moment of pain into a catalyst for meaningful change and a brighter tomorrow for all our children."</p> <p><em>Image: LinkedIn/ news.com.au</em></p>

Legal

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Entire Knox team stood down after abusing female players

<p>Knox Football Netball Club (KFNC) has stood down its entire mens development indefinitely, following reports of their "inexcusable behaviour" towards an opposing women's team. </p> <p>Reports emerged this week that players from the Melbourne suburban football club rated and attempted to trip over Donvale's female players as they entered the field last Sunday. </p> <p>“They held out their legs to trip the women over and used the phrases yes, no, mediocre, rating each female player. The players were rightly upset but they played out the rest of the game,” veteran reporter Jacqui Felgate said. </p> <p>“I hope the men that did this … are held to account," she continued. </p> <p>KFNC immediately looked into the incident, and on Thursday announced that the whole team had been “stood down indefinitely pending the outcome of the independent investigation” in an open letter shared on Facebook. </p> <p>They also said: "KFNC recognises that such behaviour is completely unacceptable and does not reflect the values of the club."</p> <p>KNFC will also implement a comprehensive behavioural and domestic violence education program across the entire club.</p> <p>“Participation in this program will be mandatory for all members, with a ‘no education, no play’ rule in effect,” Knox said.</p> <p>“KFNC is establishing an ongoing partnership with a local family violence shelter for both education and charitable support.</p> <p>“We understand the gravity of this situation and the importance of taking swift and decisive action. We are committed to learning from this incident and ensuring that such behaviour is not repeated in the future.</p> <p>“Our club stands for inclusivity, respect, and safety for all members, and we will continue to uphold these values in everything we do.”</p> <p>Felgate reacted to Knox's open letter and said that the action was “the very least they could do”.</p> <p>“Women play sport — they should not be subjected to abuse on the field, off the field, whatever, on the base of their sex,” Felgate said.</p> <p>A Donvale player also spoke to the <em>Herald Sun </em>anonymously and said that her team were already "uncomfortable" before the comments began. </p> <p>"We all realised what happened a lot of us broke down in tears and just felt helpless," she told the publication. </p> <p>"I’ve had individual men come up to me and say things that aren’t really appropriate but this was a group of 20 men standing, laughing and making comments about us.</p> <p>“The only thing I want to emphasise is the amount of other men from Knox that were around them not saying anything," she added. </p> <p>“Unfortunately I really do believe that men aren’t going to stop behaving like this unless other men call it out, they don’t listen to women.”</p> <p><em>Image: Facebook/ Knox Football Club</em></p>

Legal

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Independent you: preventing, and recovering from, elder abuse

<p>From implementing safeguards to stop it from beginning to taking back control if it does, there is a lot of power in your hands to avoid elder abuse.</p> <p>Previously, we explored the warning signs of elder abuse and how <a href="https://www.oversixty.com.au/finance/retirement-income/are-you-a-victim-of-elder-abuse-without-even-realising-it">it is possible to be a victim without even realising it</a>.</p> <p>And with more wealth owned by people over 60 now than ever before, the potential for abuse only continues to grow.</p> <p>So, how can you prevent elder abuse happening to you? And if you are already experiencing it, what can you do to regain control over your finances, independence and wellbeing? </p> <p><strong>Prevention better than cure</strong></p> <p>The best way to avoid the impacts of elder abuse is to protect yourself against it beginning in the first place.</p> <p>Awareness is the first step, so having <a href="https://www.oversixty.com.au/finance/retirement-income/are-you-a-victim-of-elder-abuse-without-even-realising-it">read this article and knowing the warning signs</a>, you’re already ahead of the game!</p> <p>Other preventative actions include:</p> <ul> <li>Maintaining contact: social interactions are important not just for warding off loneliness but providing access to other points of view and avenues for support. </li> <li>External advisers: engage your own advisers – don’t simply employ who someone tells you to. They should be an impartial, qualified set of eyes to monitor things for you and point out anything that doesn’t seem right. This includes a financial advisor, lawyer, accountant, doctor and so on. A support person attending appointments with you may give you extra assurance.</li> <li>Power of attorney/guardianship: nominate multiple people, so that no one individual has all the say. It can be useful to include someone who is not a relative for impartiality, such as a trusted friend or your lawyer. </li> <li>Superannuation beneficiaries: super is separate from your will, but beneficiary nominations can only be spouse, child, dependent or interdependent otherwise it will go to you Will.  In your Will you can direct to other people or charities. Some beneficiaries lapse, so will need to be renewed.</li> <li>Wills: review your will to ensure it reflects YOUR wishes, not someone else’s. People can jostle over not only their own inheritance but may try to influence you to leave others out. </li> <li>Documenting everything: keep a written record, especially where money is concerned – such as acting as Bank of Mum and Dad for adult kids to purchase property. Outline how much is given, what if any interest/repayments are expected and when, and what happens if their relationship subsequently breaks down.</li> <li>Encouraging independence: people who have come to expect handouts can become abusive if those handouts stop or requests for more are denied. Support and encourage others, especially your kids, to be financially independent and self-sufficient.</li> </ul> <p><strong>Taking back control</strong></p> <p>Sadly, prevention is no longer an option for an <a href="https://www.aihw.gov.au/family-domestic-and-sexual-violence/population-groups/older-people?xd_co_f=YjAzZDU4YTUtYzA5YS00YTNkLWJkNDQtNjdiZTM5ZmY5ZjQx#abuse">estimated 598,000 Australians</a> already experiencing elder abuse. However, it is still possible to break the cycle.</p> <p>Don’t be embarrassed or stick your head in the sand hoping things will improve. You have done nothing wrong. You are entitled to enjoy your retirement years.</p> <p>To take back control over your affairs, your wellbeing and your independence:</p> <ul> <li>Ensure your physical safety first and foremost.</li> <li>Seek medical attention for your physical and mental health (the latter is crucial for making good decisions around the other points on this list).</li> <li>Get support from another relative, close friend, neighbour, or other trusted person. Don’t be alone.</li> <li>Secure a roof over your head. Having a stable place to live gives you the security and focus to tackle other concerns.</li> <li>Freeze access to your money – bank accounts, credit cards etc. This will stop (further) unauthorised withdrawals or purchases being charged to you.</li> <li>Seek professional advice. Your financial adviser, tax accountant and lawyer will be able to guide you through protecting your home, money, guardianship and estate planning matters.</li> <li>Make informed changes. Don’t do anything rashly – make necessary changes once you have sought independent advice and considered your options. This may involve making changes to your power of attorney, will, superannuation, bank accounts, even your phone number in extreme cases.</li> <li>Consider counselling. Your abuser may not realise the severity of their actions. An independent counsellor may be able to help them see this and change their ways, and ultimately salvage your relationship.</li> </ul> <p>If you or someone you know is experiencing elder abuse, seek help straight away. Speak to a trusted relative or friend. Seek independent legal and financial advice about your affairs. Or call the government’s free elder abuse line on 1800 353 374. And if your life is in danger, call triple zero (000) immediately.</p> <p><strong><em>Helen Baker is a licensed Australian financial adviser and author of On Your Own Two Feet: The Essential Guide to Financial Independence for all Women. Helen is among the 1% of financial planners who hold a master’s degree in the field. Proceeds from book sales are donated to charities supporting disadvantaged women and children. Find out more at <a href="http://www.onyourowntwofeet.com.au/">www.onyourowntwofeet.com.au</a></em></strong></p> <p><strong><em>Disclaimer: The information in this article is of a general nature only and does not constitute personal financial or product advice. Any opinions or views expressed are those of the authors and do not represent those of people, institutions or organisations the owner may be associated with in a professional or personal capacity unless explicitly stated. Helen Baker is an authorised representative of BPW Partners Pty Ltd AFSL 548754.</em></strong></p> <p><em>Image credits: Getty Images </em></p>

Caring

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Are you a victim of elder abuse without even realising it?

<p>A wealthy widow being told how to manage her money. A retired couple being denied access to their grandchildren. A single woman paying her high income-earning son’s credit card debt with her superannuation. Very different Australians with one unfortunate thing in common – they are all victims of elder abuse.</p> <p>While most people are familiar with the term ‘domestic violence’, the term ‘elder abuse’ is less well known. Which in itself is part of the problem: a lack of awareness helps perpetuate the cycle.</p> <p>The World Health Organization (WHO) <a href="https://www.who.int/news-room/fact-sheets/detail/abuse-of-older-people" target="_blank" rel="noopener">defines elder abuse</a> as:</p> <p><em>“a single or repeated act, or lack of appropriate action, occurring within any relationship where there is an expectation of trust, which causes harm or distress to an older person. This type of violence constitutes a violation of human rights.”</em></p> <p>It isn’t necessarily restricted to actions that leave physical scars – which can make it harder to identify, even for victims themselves.</p> <p>The absence of physical violence or financial theft can provide a false sense of security. Not recognising the signs that something is amiss lets mistreatment go unnoticed altogether. Alternatively, excuses are made for a loved one’s behaviour or concerns aren’t raised in order to ‘keep the peace’.</p> <p><strong>How prevalent is elder abuse in Australia?</strong></p> <p>The limited discussion of elder abuse in the media and society in general would suggest it isn’t common in Australia. Sadly, this couldn’t be more wrong.</p> <p><a href="https://www.aihw.gov.au/family-domestic-and-sexual-violence/population-groups/older-people#abuse" target="_blank" rel="noopener">Government figures</a> estimate that one in six older people – around 598,000 individuals – were directly affected in 2023.</p> <p>Psychological abuse was the most widespread, while 2.1 per cent of older Australians – 83,800 people – experienced financial abuse. </p> <p><strong>Who is responsible?</strong></p> <p>The saddest fact of all is that elder abuse is typically committed by people their victims should be able to trust the most.</p> <p>More than half (53 per cent) of perpetrators are family members: adult children are the most common, with partners/spouses ranking third. </p> <p>Friends are the second most common perpetrators.</p> <p><strong>What are the impacts?</strong></p> <p>Impacts of elder abuse are typically far-reaching and depend on the type of abuse involved. </p> <p>Among them are:</p> <ul> <li>Loss of control and independence</li> <li>Physical and mental health issues</li> <li>Relationship breakdowns</li> <li>Financial losses</li> <li>Insecure living arrangements</li> </ul> <p>It is not uncommon for older people to be pressured over how to manage their finances and estate planning, influencing everything from how much they have to live off in retirement to care arrangements in their final years and who benefits from their estate. </p> <p>Much of the abuse and subsequent fallout centres around the family home. </p> <p>Charity <a href="https://www.theforgottenwomen.org.au/" target="_blank" rel="noopener">The Forgotten Women</a> notes there are over 40,000 women aged 55-plus who are homeless in Queensland alone. Elder abuse is often a contributing – if not causal – factor, such as one woman forced to live in her car while her son occupies her home. </p> <p>Meanwhile, the current housing crisis creates ideal conditions for abuse to flourish. Multi-generational households risk reduced independence and increased control over older people. A lack of proper agreements and structures when the Bank of Mum and Dad assists with a home deposit and/or loan guarantee opens the door to expectations of further financial assistance or threats to default on guaranteed loans.</p> <p><strong>Warning signs of elder abuse</strong></p> <p>Besides physical violence, red flags to look for include:</p> <ul> <li><strong>Coercive control</strong> – undue pressure over decision-making, living arrangements, spending and investment strategies, pensions, superannuation, tax, legal affairs and wills, ownership of assets, power of attorney.</li> <li><strong>Guilt</strong> – emotional manipulation and ‘guilt-tripping’ for not meeting particular demands.</li> <li><strong>Isolation</strong> – from family and friends as well as from independent professional advisers (your accountant, financial adviser, lawyer, healthcare professionals etc.).</li> <li><strong>Money mismanagement</strong> – taking cash without consent; restricting access to money and assets; pressure to pay expenses that aren’t yours.</li> <li><strong>Neglect and abandonment</strong> – withholding essentials or anything that is needed to maintain quality of life.</li> <li><strong>Blackmail</strong> – a tragically common example is withholding access to grandchildren unless financial or legal demands are met.</li> </ul> <p>Given the potentially disastrous consequences, it is important to recognise the signs and act quickly. Don’t suffer in silence or hope that things will sort themselves out.</p> <p>If you or someone you know is experiencing elder abuse, seek help straight away. Speak to a trusted relative or friend. Seek independent legal and financial advice about your affairs. Or call the government’s <a href="https://www.health.gov.au/contacts/elder-abuse-phone-line" target="_blank" rel="noopener">free elder abuse line on 1800 353 374</a>. And if your life is in danger, call triple zero (000) immediately.</p> <p><strong>About the Author:</strong> Helen Baker is a licensed Australian financial adviser and author of <em>On Your Own Two Feet: The Essential Guide to Financial Independence for all Women</em>. Helen is among the 1% of financial planners who hold a master’s degree in the field. Proceeds from book sales are donated to charities supporting disadvantaged women and children. Find out more at <a href="http://www.onyourowntwofeet.com.au/" target="_blank" rel="noopener">www.onyourowntwofeet.com.au</a></p> <p><em>Disclaimer: The information in this article is of a general nature only and does not constitute personal financial or product advice. Any opinions or views expressed are those of the authors and do not represent those of people, institutions or organisations the owner may be associated with in a professional or personal capacity unless explicitly stated. Helen Baker is an authorised representative of BPW Partners Pty Ltd AFSL 548754.</em></p> <p><em>Image: Getty</em></p>

Retirement Income

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Dad dies after being bitten by deadly snake in child care centre

<p>A beloved father has passed away after reportedly trying to remove an eastern brown snake from a child care centre in North Queensland. </p> <p>Jeremy Brookes attended the child care centre on Tuesday afternoon after one of his relatives reportedly called him over to remove the snake, according to <em>The Courier Mail</em>. </p> <p>Brookes was not a qualified snake handler and was bitten multiple times on his hand and arm.</p> <p>According to Queensland Ambulance Service acting district director Paula Marten, Brookes then managed to drive to his Deeragun home but he soon went into cardiac arrest.</p> <p>HIs wife performed CPR until paramedics arrived and he was rushed to hospital, but unfortunately could not be saved. </p> <p>“(He) was found to be in cardiac arrest by our crews,” Marten said. </p> <p>“The call was made by the patient’s wife, who then commenced CPR as the patient went into cardiac arrest.</p> <p>“The information provided to us was that the gentleman had been bitten in a different location and attended back to his residence, where his wife has immobilised his arm and wrapped it, when the onset of the symptoms occurred.”</p> <p>She added that snake bites were common in North Queensland and they were rarely fatal, but advised that if "you’re not aware of snakes, treat them as if they are venomous."</p> <p>“It’s really important that you stay calm and keep the person calm.</p> <p>“Apply basic first aid, which would be immobilisation and using compression bandages, and contact triple-0.</p> <p>“If you are unsure about what first aid measures to take, call triple-0, and they will walk you through what you need to do for the patient.”</p> <p>Eastern Brown Snakes are one of the most deadly snakes in the world, with the second most toxic venom. </p> <p>They can be found across the east of Australia including the Northern Territory, Queensland, South Australia, Victoria, NSW and the ACT.</p> <p>Brookes is believed to be the first person to have died from a snake bite in Australia this year. </p> <p>Last year, two people died from suspected eastern brown snake bites in Australia. </p> <p><em>Images: Facebook/ news.com.au</em></p>

Caring

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Might we see child-free zones on flights?

<p>Ah, the joys of air travel. The excitement of jetting off to exotic locales, the thrill of new adventures, and of course, the endless possibilities for unexpected entertainment. And what's more exhilarating than finding yourself seated next to a rowdy toddler or an inconsolable infant? It's the stuff of dreams, truly.</p> <p>Picture this: you're settling into your seat, envisioning a serene journey ahead, perhaps catching up on your favourite Netflix series or finally finishing that novel you've been meaning to read.</p> <p>But wait, what's this?</p> <p>A couple with a baby approaching your row.</p> <p>You can already hear the distant wails of despair echoing through the cabin. Your heart sinks as you realise that your peaceful flight just took a nosedive before it even began.</p> <p>Yes, it's the age-old dilemma of child-free travellers everywhere. Whether it's the cacophony of a crying baby or the rhythmic drumming of tiny feet on the back of your seat, flying with children nearby can be an experience like no other. And let's not forget the classic game of "Will they or won't they?" as you anxiously await to see if the parents will be able to tame their pint-sized companions or if chaos will reign supreme at 30,000 feet.</p> <p>But fear not, dear passengers, for there may be a solution on the horizon. Could child-free zones be the answer to our airborne woes? According to a <a href="https://travel.nine.com.au/latest/planes-should-there-be-child-free-zones/d463b299-5258-418f-831c-f5fb218f1d77" target="_blank" rel="noopener">recent poll conducted by Nine News</a>, a whopping 73 per cent of respondents were in favour of such a proposition. Finally, a sanctuary where one can escape the unpredictable antics of tiny humans and bask in the tranquility of uninterrupted inflight bliss.</p> <p>Of course, implementing such a scheme may prove to be a tad challenging. After all, how does we go about segregating the child-rearing masses from the child-free elite without inciting a riot at the boarding gate? It's a logistical nightmare that even the most seasoned airline execs would hesitate to tackle.</p> <p>So, for now, it seems we child-free flyers will have to make do with our trusty noise-cancelling headphones, our steadfast eye masks, and a healthy dose of empathy for our fellow passengers. After all, parenting is no easy feat, especially at 35,000 feet.</p> <p><em>Image: Getty</em></p>

Travel Trouble

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Princess Diana's brother reveals tragic secret

<p>Charles Spencer has bravely detailed the alleged sexual abuse he experienced as a child.</p> <p>The younger brother of Princess Diana, now 59, initially made the revelation that he was abused as a child while in boarding school when he was 42. </p> <p>Now, the 9th Earl Spencer is recalling the alleged trauma in his new memoir <em>A Very Private School,</em> and the first moment he told anyone about the abuse he experienced. </p> <p>“I was doing a 10-day course of very deep introspection and therapy,” he told Fox News Digital.</p> <p>“My therapist said to each of us, ‘Whisper to me one secret you’d never told anyone.’ I whispered to him that I was sexually abused as a child by an adult.</p> <p>"And I remember him looking so shocked, and he had heard it all. Afterwards, he took me aside and said, ‘This is very serious stuff.’”</p> <p>He added that at that stage, he already had children, and having kids of his own made him realise how devastating his experience was. </p> <p>“I suddenly put it into context. What if one of my children of either gender had been subjected to this as an 11-year-old? It made my blood boil," he said. </p> <p>"I then started to allow myself to feel the full devastation of what had happened to me.”</p> <p>Spencer was eight when he was enrolled at Maidwell Hall, an elite English boarding school, and he claimed that it didn't take long for him to witness and experience incidents of alleged abuse. </p> <p>He claimed that  he was groomed and sexually abused at age 11 by an assistant matron at the school, who was 19 or 20 years old. </p> <p>“It was a brutal experience,” he claimed in his memoir. </p> <p>“The headmaster was a sadistic pedophile. He staffed a very small number of teachers in this place who were either … perverted or would never tell tales against him. There wasn’t really anyone to go to.“</p> <p>He added that the beatings had become "a ritual part of every day," and his parents had no idea the extent of what was going on behind closed doors.</p> <p>The royal also alleged that one student was whipped so badly he struggled to take off his pants at night because the dried blood and clothing stuck to his skin, and that it took two weeks for him to recover. </p> <p>Spencer claimed he was allowed to write a letter to his parents once a week, with the messages being supervised so he was unable to tell his parents what was going on. </p> <p>“We were just left there at the mercy of some really dangerous people,” Spencer alleged.</p> <p>He said that meeting with other former pupils was what motivated him to write the new memoir, and revisit the painful memories of his past. </p> <p>The historian recalled the moment he met another former student, who kept quiet about the abuse he experience because it was so traumatising. </p> <p>"He told me how he was made to feel worthless every day, how he’d been seriously sexually assaulted as a nine-year-old three times by somebody who was meant to protect him," he recalled.</p> <p>“I took 10 pages of notes, stopped and said, ‘This is too terrible — I can’t tell this story.’ He reached across, grabbed my arm and said, ‘Somebody has to do it – it’s got to be you.’ That convinced me, the truth needed to be shared with the world.”</p> <p>The 9th Earl also said that he is undergoing “a very effective” post-traumatic stress disorder treatment, as well as Tai Chi and breathing exercises.</p> <p>“I’ve got a whole armoury of support techniques to try and get to a better place,” he shared.</p> <p><em>Image: Getty</em></p> <p> </p>

Caring

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Princess Diana's niece secretly welcomes first child

<p>Lady Kitty Spencer, 33, surprised royal fans when she revealed she secretly welcomed her first child with husband Michael Lewis, 65. </p> <p>Spencer, who is Princess Diana's niece and the daughter of Earl Charles Spencer, took to Instagram on Sunday to share a reel of her celebrating her first mother's day in the UK. </p> <p>"It's the joy of my life to be your mummy, little one," her post began. </p> <p>"I love you unconditionally 🤍 Happy Mother's Day to those who celebrate today 🤍," she added.</p> <p>In the clip, Spencer can be seen doting on her baby girl as they spend time together at the beach and at home. </p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-captioned="" data-instgrm-permalink="https://www.instagram.com/reel/C4U3U4Fs70Z/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/reel/C4U3U4Fs70Z/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by Kitty Spencer (@kitty.spencer)</a></p> </div> </blockquote> <p>Her sisters were quick to comment on the post, followed suit by royal fans.  </p> <p>"My perfect little niece,"  Eliza Spencer commented. </p> <p>"The most perfect angel in the world," added her sister Amelia Spencer. </p> <p>"What wonderful news dear Kitty! Congratulations on your precious little one," wrote one fan with a bunch of white love hearts. </p> <p>"Oh wow! Didn’t know you had a little bub. How gorgeous! Congratulations x," added another. </p> <p>"Oh Kitty! So happy for you❤ Happy Mother's Day!" wrote a third. </p> <p>Spencer tied the knot with Lewis in a lavish ceremony in Rome in 2021. </p> <p>She wore <a href="https://www.oversixty.com.au/lifestyle/beauty-style/lady-kitty-spencer-shows-fans-bts-look-at-her-five-wedding-dresses" target="_blank" rel="noopener">five custom Dolce & Gabbana wedding gowns</a>, and her two brothers walked her down the aisle as her father was unable to attend the wedding at the time due to a shoulder injury.</p> <p>The couple first met in 2018, and later got engaged in 2019, but had to postpone their wedding due to COVID-19.</p> <p>Her husband has three children from a previous marriage.</p> <p><em>Images: Instagram</em></p> <p> </p>

Family & Pets

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Gal Gadot gives birth to fourth child after secret pregnancy

<p>Gal Gadot is now a mum of four!</p> <p>The Wonder Woman star announced that she and her husband, Jaron Varsano, have welcomed a baby girl, after keeping the pregnancy under wraps. </p> <p>“My sweet girl, welcome,” she wrote on Instagram, with a photo of her cuddling her newborn. </p> <p>“The pregnancy was not easy and we made it through.”</p> <p>Gadot added that her baby girl, Ori, has brought them "so much light" and revealed the sweet meaning behind her name being "my light" in Hebrew. </p> <p>“Our hearts are full of gratitude. Welcome to the house of girls. daddy is pretty cool too️,” she concluded.</p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-captioned="" data-instgrm-permalink="https://www.instagram.com/p/C4L5btqPutJ/?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/C4L5btqPutJ/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by Gal Gadot (@gal_gadot)</a></p> </div> </blockquote> <p>The actress received many congratulatory messages in the comments, while others were surprised at the announcement. </p> <p>"Wait she was pregnant?" wrote one confused fan. </p> <p>“Congratulations my love! May you raise her with peace and love to be a superhero,” wrote another. </p> <p>“Congratulations ️How exciting. With four children you are finally Wonder Woman,” added a third. </p> <p>“Welcome Ori. Best wishes and congrats,” said a fourth. </p> <p>“Big congrats! I suppose only a Wonder Woman can look that great after a delivery of the fourth child,” added another. </p> <p>Gadot and her husband kept her most recent pregnancy a secret from the public, but she was reportedly spotted with a baby bump while out in Los Angeles last December. </p> <p>The pair tied the knot in 2008 and are also parents to daughters Alma, 12, Maya, 6, and Daniella, 2.</p> <p><em>Images: Instagram</em></p> <p> </p>

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