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Hollywood icon reveals plans for retirement

<p>Denzel Washington has revealed that he is going to retire after his next batch of films. </p> <p>The Hollywood icon appeared via videolink on Tuesday’s episode of the <em>Today Show</em>, alongside his co-stars to promote his new film <em>Gladiator II</em>.</p> <p>“I don’t know how many more films I’m going to make. Probably not that many,” the actor, who turns 70 next month, told <em>Today</em> host Richard Wilkins. </p> <p>“I want to do things I haven’t done. I’ve played Othello at 22, I’m about to play Othello at 70,” he said.</p> <p>Denzel will play the role in the Shakespeare play on Broadway alongside Jake Gyllenhaal from February next year.</p> <p>“After that I’m playing Hannibal. After that I’ve been talking with Steve McQueen about a film. After that Ryan Coogler’s writing a part for me in the next <em>Black Panther.</em>”</p> <p>He added, “After that I’m going to do the film Othello. After that I’m going to do King Lear. After that I’m going to retire.”</p> <p>Based on the interview, the actor has six upcoming projects across stage and film, so fans will still get to enjoy a few more of his roles before he retires, following a career that has spanned almost 50 years. </p> <p>Speaking to <em>news.com.au</em>, the actor offered some insight into why he is planning to retire, saying that there are “less and less challenges”, after previously revealing that at this point in his career, there are very few roles he is willing to take. </p> <p><em>Image: Masatoshi Okauchi/ Shutterstock Editorial</em></p> <p> </p>

TV

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Readers response: Is there any item of memorabilia you’ve passed down to family or plan to in the future?

<p>As in many families, there are often sentimental items and memorabilia that are passed down from several generations. </p> <p>We asked our readers if there are any heirlooms that they have passed down to their younger family members, or if they plan to, and the response was overwhelming. Here's what they said. </p> <p><strong>Marjorie Gale</strong> - The christening gown made by my Aunt in the UK in 1955 for my eldest daughter, worn by my two other daughters. Now been worn by my 9 grandchildren and 12 great grandchildren, and another due soon. So far 24 babies have worn it.</p> <p><strong>Dawn Douglas</strong> - Yes, I have my Mums jewellery box and my eldest daughter will get it when I’m gone. I also have a brooch that belonged to my Nana.</p> <p><strong>Sue Crawley</strong> - I have a 1925 gold embossed book by AA Milne “When We Were Very Young”. My most cherished memory was sitting on my great grandfathers knee whilst he read it to me. Not sure yet which grandchild will receive it.</p> <p><strong>Greg Browning</strong> - A Winchester rifle my great grandfather bought in the 1800s. Have already passed it on.</p> <p><strong>Marion Ingram</strong> - Family bassinets. Now on its 4th generation!</p> <p><strong>Margie Buckingham</strong> - My grandmother’s costume jewellery was stunning. She was a racehorse breeder always in the Flemington Racecourse members, even had many Group One winners, so her jewellery had to look special.</p> <p><strong>Paul Uttley</strong> - A silver pocket knife that belonged to my great grandfather now belongs to my oldest grandson (six generations apart)!</p> <p><em>Image credits: Shutterstock </em></p>

Family & Pets

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Fitness influencer gets lifetime ban from NYC marathon for filming content

<p>A Texas social media influencer has been disqualified and banned from future races at the New York City marathon. </p> <p>Last weekend, fitness influencer Matthew Choi ran the race with his camera crew on e-bikes, endangering other runners. </p> <p>He finished the 42.2-kilometre course with a time of 2:57:15, about 50 minutes behind Abdi Nageeye, the winner of the men's race.</p> <p>Choi issued an apology to his 400,000 followers after receiving the lifetime ban. </p> <p>"I have no excuses, full-stop," he said on Wednesday AEDT. </p> <p>"I was selfish on Sunday to have my brother and my videographer follow me around on e-bikes, and it had serious consequences.</p> <p>"We endangered other runners, we impacted people going for PBs, we blocked people from getting water and with the New York City Marathon being about everyone else and the community, I made it about myself.</p> <p>"And for anyone I impacted, I'm sorry."</p> <p>He added that the decision "was 100 per cent on me" as he did not receive pressure to film content from any partners or sponsors. </p> <p>New York Road Runners, the organisers of the race, said in a statement that Choi's actions violated the code of conduct and competition rules. </p> <p>"One of the incidents brought to NYRR's attention was that Choi ran with the assistance of two unauthorised people riding the course on electric bicycles, obstructing runners," the group said.</p> <p>The fitness influencer posted several videos of him running the marathon on social media, which immediately drew backlash. </p> <p>"As a runner, seeing him was amazing. Gave me extra motivation to pass him and make sure I never had to see him and his dumb crew for the rest of the race," wrote one user on Reddit.</p> <p>He has since acknowledged the criticism and has vowed to stop the practice. </p> <p>"It won't happen again. My word is my bond."</p> <p><em>Images: Instagram</em></p> <p> </p>

Travel Trouble

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How do we save ageing Australians from the heat? Greening our cities is a good start

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/claudia-baldwin-248780">Claudia Baldwin</a>, <a href="https://theconversation.com/institutions/university-of-the-sunshine-coast-1068">University of the Sunshine Coast</a>; <a href="https://theconversation.com/profiles/jason-byrne-6066">Jason Byrne</a>, <a href="https://theconversation.com/institutions/university-of-tasmania-888">University of Tasmania</a>, and <a href="https://theconversation.com/profiles/tony-matthews-234160">Tony Matthews</a>, <a href="https://theconversation.com/institutions/griffith-university-828">Griffith University</a></em></p> <p>Heatwaves have killed more Australians than <a href="https://ama.com.au/ausmed/heatwave-health-warning">road accidents</a>, fires, floods and <a href="https://www.sciencedirect.com/science/article/pii/S1462901114000999">all other natural disasters combined</a>. Although <a href="https://theconversation.com/forget-heatwaves-our-cold-houses-are-much-more-likely-to-kill-us-83030">recent research</a> shows extreme cold is a worry in some parts of Australia, <a href="https://theconversation.com/2018-19-was-australias-hottest-summer-on-record-with-a-warm-autumn-likely-too-112616">our hottest summer on record</a> points to more heat-related deaths to come. The <a href="https://theconversation.com/the-stubborn-high-pressure-system-behind-australias-record-heatwaves-110442">record heatwaves</a> have highlighted the damaging effects of heat stress. Understandably, it’s becoming a major <a href="https://ama.com.au/ausmed/heatwaves-nation%E2%80%99s-deadliest-natural-disaster-0">public health challenge</a>.</p> <p>The risk of extreme heat events and the adverse impacts on older people has been extensively <a href="https://jech.bmj.com/content/64/9/753.short">discussed in research</a>. Remarkably, very little attention has been paid to the role of urban greenery in reducing heat stress for seniors.</p> <p>Older people are particularly at risk of heat stress. Pre-existing medical conditions and limited mobility increase their vulnerability. <a href="http://www.cmaj.ca/content/182/10/1053.short">Deaths of older people increase</a> during extreme heat events.</p> <p>The physical features of urban areas shape the capacity of older adults to engage in many activities when it’s hot. These include vegetation volume and coverage, <a href="https://theconversation.com/building-cool-cities-for-a-hot-future-57489">thermal design</a>, and the extent of shading in public areas and walkways. Increasing urban greenery may offer a way to improve older people’s comfort and social experience.</p> <h2>Ageing adds urgency to greening</h2> <p>It is expected <a href="http://www.un.org/en/sections/issues-depth/ageing/">20% of the global population</a> will be older than 60 by 2050. The figure for Australia <a href="http://www.abs.gov.au/ausstats/abs@.nsf/mediareleasesbyTopic/2CA2134677EF9D03CA257C2E0017283B?OpenDocument">is even higher</a>, at 23%. This means that by 2050 around one in four Australians will be more vulnerable to extreme heat.</p> <figure class="align-right zoomable"></figure> <p>Climate change may make the problem worse by <a href="https://www.sciencedirect.com/science/article/pii/S0749379708006867">fuelling even more extreme heat</a> events.</p> <p>Planning our urban centres to meet the needs of a <a href="https://www.aihw.gov.au/reports/older-people/older-australia-at-a-glance/contents/demographics-of-older-australians">rapidly ageing population</a> is a matter of urgency. Urban greening to reduce their vulnerability to heat stress should be central to this agenda. It can also improve people’s quality of life, reduce <a href="https://www.sciencedirect.com/science/article/abs/pii/S1353829208001172">social isolation and loneliness</a>, and ease the burden on health systems.</p> <p>An important task is matching the design of communities with the needs of an ageing population. Where older adults live and the quality of their local areas strongly influence their lived experiences. Yet <a href="https://journals.sagepub.com/doi/abs/10.1177/0885412217704649">recent research</a> found the experiences of seniors were often not accounted for in research on neighbourhood design.</p> <h2>What about aged care?</h2> <p>People face choices about where they live as they age. The common choices are to “<a href="https://theconversation.com/for-australians-to-have-the-choice-of-growing-old-at-home-here-is-what-needs-to-change-91488">age in place</a>” or to move into aged care.</p> <p>Ageing in place includes living in one’s own home or <a href="https://theconversation.com/co-housing-works-well-for-older-people-once-they-get-past-the-image-problem-79907">co-habiting with relatives or friends</a>. Around 90% of Australian seniors <a href="https://www.pc.gov.au/research/completed/housing-decisions-older-australians/housing-decisions-older-australians.pdf">choose this option</a>, with the remainder opting for aged-care facilities.</p> <p>If one in ten Australian seniors live in aged-care facilities, it is clear these should be designed to minimise heat stress. This isn’t just good for residents; it may also benefit operators by lowering health-care and electricity costs.</p> <p>While these facilities are purpose-built for older people, many in Australia were built well over a decade ago, when heat stress was not such a large concern. Many more facilities are being built now and will be into the future. Yet it is uncertain whether they are being actively designed to reduce the impacts of heat.</p> <h2>What has our research found?</h2> <p>We recently conducted a focus group to investigate this issue. Participants were senior managers from four large corporate providers of aged care in Australia. We investigated if and how providers try to minimise heat stress through design. We also sought to understand the rationales used to support these design approaches.</p> <p>Several participants reported on refurbishments that they expect will have cooling effects. Cited design approaches included green roofs and walls, as well as sensory gardens. Other expected benefits included reducing anxiety and improving the mental health of residents.</p> <p>The fact that single design interventions could produce multiple benefits improved the potential for corporate buy-in. Participants expected that increasing green space and green cover would give their facilities a competitive advantage by attracting more clients and providing a better working environment for staff.</p> <p>Participants also reported on challenges of including greening in their projects. For example, the benefits of trees were weighed against concerns about roots disrupting footpaths and becoming trip hazards. Species selection was another concern, with fears that inappropriate plants could die and undermine support for greening programs.</p> <p>Our research suggests that more can be done to make cities hospitable for older people, especially during extreme heat. Urban greening is a start. Encouraging aged-care providers to adopt green infrastructure will have benefits. But we should also consider reforms to planning systems and urban design to better protect older people who choose to age in place.<!-- 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/112613/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/claudia-baldwin-248780">Claudia Baldwin</a>, Associate Professor, Urban Design and Town Planning, Sustainability Research Centre, <a href="https://theconversation.com/institutions/university-of-the-sunshine-coast-1068">University of the Sunshine Coast</a>; <a href="https://theconversation.com/profiles/jason-byrne-6066">Jason Byrne</a>, Professor of Human Geography and Planning, <a href="https://theconversation.com/institutions/university-of-tasmania-888">University of Tasmania</a>, and <a href="https://theconversation.com/profiles/tony-matthews-234160">Tony Matthews</a>, Senior Lecturer in Urban and Environmental Planning, <a href="https://theconversation.com/institutions/griffith-university-828">Griffith 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/how-do-we-save-ageing-australians-from-the-heat-greening-our-cities-is-a-good-start-112613">original article</a>.</em></p> </div>

Domestic Travel

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How to keep doing good once you’re gone

<p>Most of us like to think that once we are no longer walking the Earth, we can still leave a legacy to mark our time here and contribute positively to those left behind.</p> <p>Doing so is not only possible but, as you’ll see below, fairly straightforward – providing you do some basic preparation beforehand.</p> <p>Seek the help of professional advice to ensure your plans can be enacted in full and deliver the best possible outcomes for everyone involved.</p> <p><strong>Have your affairs in order</strong></p> <p>Make things simpler for your grieving loved ones by having your wishes clearly outlined in writing, with specific instructions that leave no room for misinterpretation. Doing so makes your wishes easier to implement, faster to enact and reduces fights among your beneficiaries.</p> <p>Keep your will and other affairs updated as circumstances change too, so that everyone you want is included (such as kids and grandkids) and those you don’t, aren’t given an unexpected windfall (such as your ex or an adult child’s ex).</p> <p><strong>Provide for everyone</strong></p> <p>Providing for everyone is not necessarily straight forward, especially if you have a blended family. </p> <p>For instance, leaving your share of your home to your children from a previous relationship could lead to disagreements if your partner doesn’t want to leave.</p> <p>Instead, think about how your assets can be divided fairly without disadvantaging anyone. Children could be nominated beneficiaries of your superannuation and/or life insurance, leaving your home for your partner. </p> <p><strong>Keep wealth flowing</strong></p> <p>Certain structures can allow you to keep giving to your descendants long after you’re gone – offsetting their income and providing far greater wealth over time than any lump sum could achieve.</p> <p>A family or testamentary trust allows ongoing wealth creation through shared assets, with regular dividends paid out, creating a family legacy that can last for generations. Or a family company can allow a commercial entity to continue trading and growing as an asset.</p> <p><strong>Manage tax impacts</strong></p> <p>Implement tax-effective strategies that maximise how much your beneficiaries actually receive and minimise what the tax man pockets. </p> <p>While there isn’t an inheritance tax per se, beneficiaries can be hit with Capital Gains Tax (CGT) on asset sales plus transfer costs to put an asset into their own name – not to mention the ongoing maintenance and compliance costs of asset ownership.</p> <p>In some instances, your loved ones may benefit more if you sell assets now and leave them the proceeds, rather than leave them the asset – and its associated tax bill – once you’re gone.</p> <p><strong>Ensure loved ones are home and housed</strong></p> <p>Property is perhaps the biggest of all sources of wealth, yet it is increasingly difficult for younger people and singles to get (and stay) on the property ladder.</p> <p>Ensure everyone can reap the benefits of property ownership over their own lifetime, either by transferring ownership of properties in your name or contributing chunks of cash towards a deposit. </p> <p>However, it’s important to do so sustainably – gifting grandkids a large property they can’t afford to maintain isn’t going to work.</p> <p><strong>Charitable donations</strong></p> <p>Many people like to support charities and social causes once they are gone. Consider the end user here and what they stand to benefit from your donation – whether it be people, planet or both.</p> <p>It could be leaving a lump sum on your death, or regular ongoing donations from your estate. You may wish to do so anonymously, or include a message with your donation outlining your reasons why that particular charity/cause is important to you and what you hope the money will go towards.</p> <p>Donations may not necessarily be financial either – perhaps you have a valuable historic artefact that others could enjoy if donated to a museum? </p> <p><strong>Organ donation</strong></p> <p>The greatest gift of all is not money but life itself. So, consider whether organ donation is something you wish to do.</p> <p>While not suitable for everyone, and dependent on a range of factors including your age, health and religious beliefs, a single organ donor can save up to seven lives, as well as improve the quality of life of numerous others through eye and tissue donation.</p> <p>That is a lot of life you can give to others – and all without costing your own loved ones a cent!</p> <p><em><strong>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></strong></em></p> <p><em><strong>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.</strong></em></p> <p><em><strong>Image credits: Shutterstock </strong></em></p> <p><strong><em> </em></strong></p>

Retirement Income

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High-speed rail plans may finally end Australia’s 40-year wait to get on board

<div class="theconversation-article-body"> <p><em><a href="https://theconversation.com/profiles/philip-laird-3503">Philip Laird</a>, <a href="https://theconversation.com/institutions/university-of-wollongong-711">University of Wollongong</a></em></p> <p>Australia has debated and studied high-speed rail for four decades. The High Speed Rail Authority has begun <a href="https://www.hsra.gov.au/project">work on a project</a> that could finally deliver some high-speed rail in the 2030s.</p> <p>The Albanese government set up the authority in 2022. It also committed A$500 million to plan and protect a high-speed rail corridor between Sydney and Newcastle. This corridor was prioritised due to significant capacity constraints on the existing line, among other reasons.</p> <p>The ultimate plan is for a high-speed rail network to connect Brisbane, Sydney, Canberra, Melbourne and regional communities across the east coast. The network would help Australia in its urgent task to reduce greenhouse gas emissions from transport. These <a href="https://www.infrastructure.gov.au/infrastructure-transport-vehicles/towards-net-zero-transport-and-infrastructure">continue to increase</a> even as emissions from other sectors fall.</p> <p>The authority has now publicly outlined plans for the first stage of this east coast network. After a history of failed proposals dating back to 1984, the new plans provide some cause for optimism that Australia could have some high-speed rail by 2037.</p> <h2>What is high-speed rail and why do we need it?</h2> <p>The International Rail Union of Railways <a href="https://uic.org/passenger/highspeed">defines high-speed rail</a> as new lines designed for speeds of 250km/h or more and upgraded lines for speeds of at least 200km/h.</p> <p>High-speed rail could greatly reduce transport emissions by replacing <a href="https://theconversation.com/wondering-how-to-get-from-brisbane-to-melbourne-without-wrecking-the-climate-our-transport-choices-make-a-huge-difference-237396">air travel in particular</a>.</p> <p>For example, the <a href="https://www.bitre.gov.au/publications/ongoing/domestic_airline_activity-monthly_publications">7.92 million passengers</a> flying between Melbourne and Sydney in 2023-24 produced about 1.5 million tonnes of emissions. Including <a href="https://theconversation.com/how-air-travellers-can-cut-their-door-to-door-emissions-right-now-by-as-much-as-13-on-the-sydney-melbourne-route-211099">travel to and from airports</a> and other flight routes along the corridor (Sydney or Melbourne to Canberra, Albury etc), this adds up to about 2% of <a href="https://www.dcceew.gov.au/climate-change/strategies/annual-climate-change-statement-2023">annual domestic transport emissions</a>.</p> <p>A Sydney–Melbourne high-speed rail link could cut emissions to a fraction of those from <a href="https://theconversation.com/wondering-how-to-get-from-brisbane-to-melbourne-without-wrecking-the-climate-our-transport-choices-make-a-huge-difference-237396">air</a> and <a href="https://theconversation.com/we-compared-land-transport-options-for-getting-to-net-zero-hands-down-electric-rail-is-the-best-234092">road</a> transport. If Australia is to achieve <a href="https://www.dcceew.gov.au/climate-change/emissions-reduction/net-zero">net zero by 2050</a>, a <a href="https://theconversation.com/we-compared-land-transport-options-for-getting-to-net-zero-hands-down-electric-rail-is-the-best-234092">shift to rail will be essential</a>.</p> <p>High-speed city-to-city rail services will be needed to become an attractive alternative to air travel.</p> <h2>What is the authority working on?</h2> <p>Early this year the High Speed Rail Authority gained a new CEO, Tim Parker, with extensive experience in delivering mega-projects. In late August, the authority outlined its plans at an industry briefing in Newcastle.</p> <p>The authority has commissioned eight studies, including a business case for a Sydney–Newcastle line. Significantly, it will include the cost of future highway upgrades if high-speed rail does not proceed. This study, along with a report on how high-speed rail will proceed along Australia’s east coast, is due by the end of this year.</p> <p>Also under way is a <a href="https://minister.infrastructure.gov.au/c-king/media-release/all-aboard-high-speed-rail-accelerates-first-investigation-works">geotechnical study</a> that includes drilling 27 boreholes. It will help determine the proposed depths of two long rail tunnels and guide decisions on crossing the Hawkesbury River and the route to the Central Coast and on to Newcastle.</p> <p>All going well, including land acquisition and agreements with the New South Wales government (which could include funding), work could <a href="https://www.newcastleherald.com.au/story/8743698/newcastle-high-speed-rail-possible-by-2037-as-tunnel-plan-emerges">start in 2027 and be completed by 2037</a>.</p> <h2>Many questions remain</h2> <p>Given the time and money required to deliver a Sydney–Newcastle line, bipartisan support will be needed. However, the federal opposition is yet to make a clear commitment to high-speed rail.</p> <p>There are other uncertainties too. Will the trains be operated by the public or private sector? The latter was the intention for projects that were scrapped decades ago, such as the CSIRO-proposed Very Fast Train (<a href="http://www.repositoryofideas.com/VFT_information.html">VFT</a>) linking Sydney, Canberra and Melbourne, and the Sydney–Canberra <a href="https://trid.trb.org/View/1203853">Speedrail</a>.</p> <p>And how will the engineering projects be delivered? The new authority must learn from the project management <a href="https://www.infrastructure.gov.au/department/media/news/independent-review-inland-rail-released">problems in delivering the Inland Rail</a> freight line. The project is running late and costs have blown out.</p> <p>Some major federally funded government projects have worked well. These include upgrades of the national highway system (by state road authorities and contractors) and the new <a href="https://www.westernsydneyairport.gov.au/">Western Sydney International Airport</a>, which is nearing completion.</p> <h2>And what about a full Sydney–Melbourne line?</h2> <p>The big question is when work will start on a Sydney–Melbourne high-speed rail service. In 2019, International High-Speed Rail Association chairman <a href="https://ara.net.au/media-release/ausrailplus-2019-conference-exhibition-3-5-december-2019-in-sydney/">Masafumi Shukuri estimated</a> building this line could take 20 years.</p> <p>The present line is 60km longer than it should be as the route dates back to the steam age. It also has far too many tight curves. This means train travel on this line is slower than cars and trucks.</p> <p>As former NSW State Rail chief Len Harper <a href="https://theconversation.com/more-than-ever-its-time-to-upgrade-the-sydney-melbourne-railway-187169">said</a> in 1995, this railway was already “inadequate for current and future needs” even back then.</p> <p>When the VFT was proposed in 1984, questions were raised as to whether our population was big enough for such a project. Now, more than 15.5 million people live in NSW, Victoria and the Australian Capital Territory. Melbourne–Sydney is the <a href="https://www.smh.com.au/traveller/travel-news/the-world-s-busiest-flight-routes-and-airports-revealed-20231222-p5et7n.html">world’s fifth-busiest flight route</a>.</p> <p>Advocacy group Fastrack Australia <a href="https://www.fastrackaustralia.net/hsr-implementation-plan">has called</a> for a Sydney–Melbourne track built to high-speed standards and able to carry freight. The estimated travel time is four hours.</p> <p>This group and the <a href="https://www.railfutures.org.au/category/submissions/%20July%202024%20reducing%20emissions%20in%20freight">Rail Futures Institute</a> propose the line be built in stages, with priority given to the section from near Macarthur to Mittagong in NSW. This would reduce the current line’s length by about 18km and allow for better Sydney–Canberra train services.</p> <p>Urgent action is needed to protect the rail corridor from encroaching urban development.</p> <h2>Australia needs to catch up</h2> <p>In June 2023, when the new authority started work, I <a href="https://theconversation.com/can-the-new-high-speed-rail-authority-deliver-after-4-decades-of-costly-studies-206287">observed</a> that Australia must surely hold the world record for studies into high-speed rail with no construction.</p> <p>In stark contrast, this October marks the 60th anniversary of the world’s first dedicated high-speed rail line, the Tokaido Shinkansen in Japan linking Tokyo to Shin-Osaka. The network has since grown in stages to about 3,000km of lines.</p> <p>Today, high-speed rail <a href="https://uic.org/passenger/highspeed/article/high-speed-data-and-atlas">operates in 21 countries</a> over about 60,000km of lines – China has about 40,000km. Indonesia’s high-speed rail service between Jakarta and Bandung started running last year. India and Thailand are in the advanced stages of delivering high-speed rail. It’s also under construction in another 11 countries.</p> <p>Australia could finally join them in the next few years if it starts building the Sydney–Newcastle line.<!-- 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/238232/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/philip-laird-3503">Philip Laird</a>, Honorary Principal Fellow, <a href="https://theconversation.com/institutions/university-of-wollongong-711">University of Wollongong</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/high-speed-rail-plans-may-finally-end-australias-40-year-wait-to-get-on-board-238232">original article</a>.</em></p> </div>

Domestic Travel

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Tourists reveal the worst cities for pedestrians

<p dir="ltr">For many keen travellers, walking is the best way to explore a new city and take in everything a new destination has to offer. </p> <p dir="ltr">However, not every corner of the world is easily accessible by foot, with some cities prioritising cars and bikes over the humble pedestrian. </p> <p dir="ltr">Tourists on social media site Reddit have revealed the least pedestrian friendly cities they have encountered on their travels abroad, with one person asking in a travel forum: “In what city/country did you have the ‘worst experience’ as a pedestrian?”</p> <p dir="ltr"><strong>Cairo, Egypt</strong></p> <p dir="ltr">The largest city and capital of Egypt has left some pedestrians feeling distressed, with one person describing the city as “hell on foot”. </p> <p dir="ltr">One person wrote of the historic city, “Drivers often drive on the opposite side of the road and most don't seem to follow any rules. Plus we got hassled so much by people trying to make money off us when walking around the city. They would follow us and wouldn't leave us alone.”</p> <p dir="ltr">Another traveller added, “In Cairo, I spent so much money on taxis, the lack of sidewalks, being constantly harassed to buy stuff, the heat, the trash, the smell.”</p> <p dir="ltr"><strong>Hanoi, Vietnam</strong></p> <p dir="ltr">The capital city of Vietnam is home to 9 million people and 7 million motorbikes and scooters, making crossing the road a logistical nightmare for many, as lots of travellers pointed out. </p> <p dir="ltr">One person wrote, “Hanoi is by far the worst walking experience I ever could have imagined. Any sidewalks are literally covered with motorbikes or pop-up restaurant seating that they hide when the police come by since it's not allowed. You can't go a single block without having to walk into the extremely busy streets.”</p> <p dir="ltr">“To be fair, it does add to the experience and I would like to note it's a good city and great country, but I'm convinced there is no worse walking experience in a city.”</p> <p dir="ltr"><strong>Amsterdam, The Netherlands</strong></p> <p dir="ltr">While there are many walkable streets in Amsterdam in an attempt to cut down on streets overrun with cars, the city makes up for this traffic with a surplus of bicycles.</p> <p dir="ltr">One traveller wrote, “Amsterdam was stressful to me as a pedestrian. The bikes will run you down.  We stayed a little outside of the city centre so that probably exacerbated things as our daily walk to see the sights often shared the paths with cyclists on the faster parts of their commutes.”</p> <p dir="ltr">Another person said, “I'm from Southeast Asia and Amsterdam made me very anxious as a pedestrian.”</p> <p dir="ltr"><strong>The Philippines</strong></p> <p dir="ltr">The entire country of The Philippines was a sore spot with many keen travellers, as lots of tourists had issues crossing the busy roads. </p> <p dir="ltr">One person wrote, “Manila was my knee-jerk response. The Philippines is gorgeous and the people are so incredibly friendly, but trying to cross those massive roads (that have no crosswalks) is literally taking your life in your hands to play frogger.”</p> <p dir="ltr">Another agreed, saying “Crossing traffic in the [Philippines] should be a sport. Could've died so many times out there.”</p> <p dir="ltr">Another traveller wrote, “I once had to take a taxi just to cross the road because there was no way for pedestrians to do it.”</p> <p dir="ltr"><strong>Bali, Indonesia</strong></p> <p dir="ltr">Despite being a popular tourist destination for many, many claimed the Indonesian paradise does not cater to pedestrians. </p> <p dir="ltr">One person wrote, “Bali is barely walkable at all in touristy areas - no sidewalks or at 90 percent of places. And so much traffic.”</p> <p dir="ltr">Another agreed, writing, “Bali gets my vote too. In Ubud, I was constantly like, ‘Where's the footpath?’ Every building and shop seems to have its own makeshift strip of narrow disjointed tile, concrete or dirt, but most of the time, it's easier to walk on the road.”</p> <p dir="ltr"><em>Image credits: Shutterstock </em></p> <p> </p>

Travel Trouble

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Tourists reveal the world’s best “non-mainstream” cities

<p dir="ltr">While many eager travellers head to a nation’s capital city when travelling abroad, others prefer to steer off the beaten track for a more authentic experience. </p> <p dir="ltr">A group of keen tourists discussed their favourite “non-mainstream” cities in a popular travel thread on Reddit, with eight destinations around the world coming out on top. </p> <p dir="ltr"><strong>Turin, Italy</strong></p> <p dir="ltr">Most travellers that head to Italy tend to stick to the main tourist-driven cities of Rome, Florence, Milan and Venice. </p> <p dir="ltr">However, according to one traveller, the city of Turin (also known as Torino) is “one of the best cities in the country and it gets ignored by most tourists.”</p> <p dir="ltr">One person wrote, “Great architecture, very walkable, fantastic museums, delicious regional dishes and stunning Alpine backdrop.”</p> <p dir="ltr">Another agreed, adding, “Torino is really great. [It] feels different to any other Italian city. [It's] also totally uncrowded even during peak season.”</p> <p dir="ltr"><strong>Oulu, Finland</strong></p> <p dir="ltr">Aside from the Finnish capital of Helsinki in the far south of the country, some travellers prefer to venture up north into colder climates away from the bustling city. </p> <p dir="ltr">One hotspot is the city of Oulu, which offers a more relaxed pace of life despite its harsh weather. </p> <p dir="ltr">One traveller wrote, “I really enjoyed Oulu in Finland. So much space between buildings, green trees everywhere, a nice beach to relax on and watch the sunset, [and] beautiful parks.”</p> <p dir="ltr">“To me, it looked like the ideal city to live in. I was there in July. I think winters can be harsh.”</p> <p dir="ltr"><strong>Ouray, Colorado, USA</strong></p> <p dir="ltr">Situated in the heart of the San Juan Mountains in southwest Colorado, Ouray is often referred to as the 'Switzerland of America', with many travellers in awe of its beauty. </p> <p dir="ltr">One person simply wrote, “Ouray is stunningly beautiful!” sharing their love for the quaint city. </p> <p dir="ltr"><strong>Nuremberg, Germany</strong> </p> <p dir="ltr">Germany’s most visited cities are usually Berlin and Munich, but Nuremberg also offers a unique glimpse into Germany’s history and culture. </p> <p dir="ltr">One traveller described the city as “amazing” while another said they “absolutely loved the place”. </p> <p dir="ltr">Another claimed that Nuremberg was “so beautiful, magical and fun” during wintertime that it “ruined Christmas for the rest of my life”.</p> <p dir="ltr"><strong>Townsville, Australia</strong></p> <p dir="ltr">When you think of coastal Aussie getaways, many think of Noosa or the Gold Coast as the best places to visit. </p> <p dir="ltr">However, others encouraged travellers to head to the “super-underrated” Townsville in northeastern Queensland instead.</p> <p dir="ltr">One traveller remarked that it has “great bars and restaurants”, adding, “It was a good base to get around the place. I found the locals friendly, [it] wasn't overrun with tourists like Cairns. My wife and I both thought it was a super-underrated place and we'll be back.”</p> <p dir="ltr"><strong>Khiva, Uzbekistan </strong></p> <p dir="ltr">The city of Khiva, locally pronounced 'Heevah', is more than 2,500 years old and is a keen holiday destination for history buffs. </p> <p dir="ltr">One traveller wrote of the charming city, “The old city inside the walls is so well preserved that it's like entering another time. Early morning and after dark, when the tourist market has closed, and the buses have left, makes for a magical experience. I've been to a lot of places in the world but will never forget the magic of that place.”</p> <p dir="ltr"><strong>Salta, Argentina</strong></p> <p dir="ltr">Located in the north of the country, Salta is “definitely not on the mainstream path”, but worth the journey.</p> <p dir="ltr">One tourist wrote, “The city itself isn't the most exciting but it's safe, the food is incredible, and it's the gateway to some of the most beautiful natural areas I've seen in my life.”</p> <p dir="ltr"><strong>Kastoria, Greece</strong></p> <p dir="ltr">Located in northern Greece in the region of Western Macedonia, Kastoria sits on the shore of Lake Orestiada and is surrounded by limestone mountains. </p> <p dir="ltr">One traveller fell in love with the Greek destination, writing, “This is the definition of a hidden gem. It's deep in northern Greece and on a peninsula jutting into the middle of a lake, so it's just this incredibly serene and picturesque setting. There's history on every street corner, too.”</p> <p dir="ltr"><em>Image credits: Shutterstock </em></p> <p> </p>

International Travel

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Quirky grandfather shocks Today hosts with unusual funeral plans

<p>Michael 'Skip' Field has decided he doesn't want his family crying for him at an ordinary funeral when he dies. </p> <p>Instead, the quirky Queensland grandfather wants a celebration for his final send off and wants his family to remember him in a very unique way. </p> <p>Skip shared his funeral plans with <em>Today</em> hosts Sarah and Alex, who were perplexed by Skip's plans for his final send-off. </p> <p>"I've been to a lot of funerals over the years, I'm an old fart and I never enjoyed any of them," Skip said.</p> <p>"So come the time I turn toes up, they're going to cart me off to the crematorium for a big barbecue, where I'll be the guest of honour, then when the heat dies down, they're going to put me in a little shoe box and give my young son a ring," he said.</p> <p>"He'll come and pick me up and I'm an avid cowboy shooter, we load our own ammunition and one of the things that happens to cowboys when they pass on is they have a cowboy salute where you get a big, long line and everybody fires a shotgun, bang, bang, bang, bang, and have a salute."</p> <p>"Well, I'm going to get my ashes mixed into the shotgun shells and donate the shotgun shells to the range and they can shoot me off down the range."</p> <p>"Plus all the smoke that comes out at the end of the barrel is a bit blue, but being a Queenslander, I've got a bit of maroon chalk that's going to go in with the ashes, so when they come out at the end of the barrel it's going to be a maroon tinge on it," he said.</p> <p>Today hosts Sarah and Alex were gob-smacked by the idea of Skip donating his ash-filled bullets to the local firing range, but that's not all he has planned.</p> <p>"The other thing is a friend of mine's got a cannon and we're going to shoot part of the ashes out of the cannon at Pleasant Range near Dalby," he said.</p> <p>"Then the kids don't need a big, morbid ceremony, so they're going to have a party here at my house and I bought this thing called the 'loved one launcher' that is like a giant party popper, you put your ashes in and it'll shoot you 75 yards into the air with confetti and streamers and all that - Yeehaw! It's going to be great."</p> <p>Skip said the whole process cost less than getting a casket for the ground and it would be the last big thing he gets a say in.</p> <p><em>Image credits: Today</em></p>

Retirement Life

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Olivia Newton-John's daughter reveals special plans to honour mother's legacy

<p>Olivia Newton-John's daughter Chloe Lattanzi has revealed that she will be returning Down Under later this year to honour her mother's legacy. </p> <p>Chloe took to Instagram on Thursday to announce that she will be taking part in Olivia's Walk for Wellness in Melbourne on October 6.</p> <p>"Hi everyone! I am so excited to be coming to Melbourne once again to keep my momma’s legacy alive," she wrote in the caption, before inviting her followers to join her on October 6 in Melbourne's scenic Alexandra Gardens.</p> <p>She added that it "will be an amazing day of raising funds to support people on their cancer journey. Funds raised will help provide free wellness programs at the ONJ Cancer Centre."</p> <p>She invited her followers to join her for the cause, which aims to raise funds for cancer research. </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/C-87Phuy1N7/?utm_source=ig_embed&amp;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/C-87Phuy1N7/?utm_source=ig_embed&amp;utm_campaign=loading" target="_blank" rel="noopener">A post shared by Chloe Lattanzi (@chloelattanziofficial)</a></p> </div> </blockquote> <p>Chloe also said that the theme for the 2024 walk was "Let's Get Physical" with participants encouraged to dress in "80s retro outfits," which  appears to be a tribute to Olivia's 1981 smash hit song<em> Physical</em>.</p> <p>"And please bring your puppies," she said in the video. </p> <p>She then signed off her message with: "Hope to see you all there! With love, light and gratitude, Chloe!" </p> <p>The Olivia Newton-John Wellness and Research Centre opened in 2012 and its services have helped thousands.</p> <p>The performer also travelled to Australia last year to take part in the popular event. </p> <p><em>Image: Instagram</em></p>

Caring

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Olympian proposes in the City of Love

<p>US shot putter Payton Otterdahl is finally engaged to his longtime girlfriend Maddy Nilles after eight years together. </p> <p>In a heartwarming post shared to Instagram, the Olympian captured the exact moment he popped the question under the Eiffel Tower. </p> <p>"Meanwhile, in the City of Love..." he captioned the photo in the City of Love. </p> <p>"I love you forever, Maddy Nilles!" Otterdahl added with a red heart emoji.</p> <p>In another photo, the newly-engaged couple were pictured sharing a kiss under the iconic monument to celebrate the milestone. </p> <p>Nilles re-shared the post to her Instagram story with a wholesome message in French.</p> <p>"Je vous aime," she wrote, which means "I love you" in English.</p> <p>While Otterdahl just missed out on an Olympic medal in Paris as he placed fourth in the shot put, many congratulated him for taking home the best prize - a love that will "last a lifetime". </p> <p>"Congratulations!!" Team USA shot putter and Olympic silver medalist Joe Kovacs said. </p> <p>"A legendary weekend for you guys. Congrats, and cheers!" one fan wrote. </p> <p>"You just won your gold medal! It will last a lifetime!" another added. </p> <p>"You’re joking!!!! This is the best news!!! A legendary weekend for you guys. Congrats, and cheers!" wrote a third. </p> <p>The Team USA and USA Track and Field accounts have also celebrated the couple's engagement news in a joined Instagram post.</p> <p>"It's an Olympic proposal," they announced. "Congratulations, Payton and Maddy!"</p> <p><em>Images: Instagram</em></p> <p> </p>

Relationships

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Why Ray Martin is planning his own funeral

<p>Ray Martin is planning his own funeral as he prepares for his 'Last Goodbye', as part of an eye-opening new series. </p> <p>The veteran journalist will be planning his memorial service for an upcoming SBS documentary series which explores cultural traditions surrounding death.</p> <p>The three-part series, called <em>Ray Martin: The Last Goodbye</em>, will explore various taboos surrounding death with comedic and witty anecdotes. </p> <p>The series will investigate various funeral trends and rituals around the world and will address some deep questions, including why people choose certain ceremonies, songs and resting places, and how geography, religion and social class impacts these choices. </p> <p>At 79 years old, Ray said in a statement that statistically he is only four years away from his own death and wants to explore the topic with a serious yet funny nature. </p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-permalink="https://www.instagram.com/reel/C9QoU-goAtY/?utm_source=ig_embed&amp;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/C9QoU-goAtY/?utm_source=ig_embed&amp;utm_campaign=loading" target="_blank" rel="noopener">A post shared by SBS Australia (@sbs_australia)</a></p> </div> </blockquote> <p>Martin will also have a range of special guests on the show, including veteran presenter Gretel Killeen, 61, and comedian Alex Lee.</p> <p>SBS Commissioning Editor Bethan Arwel-Lewis said, "At SBS we aren't scared to tackle those subjects that are sometimes provocative or difficult in our programming."</p> <p>"So an exploration of death – one of our last taboos is the perfect subject for us to lift the lid on, and who better to take us into this world and get us talking and even laughing about death, than Ray Martin."</p> <p>Last year, Martin insisted that he still has a lot of life left in him, as he grows older gracefully and continues to work. </p> <p>"I'm never going to retire. David Attenborough is in his 90s and he's my role model. He says you've got to keep doing what you love," he told <em>Woman's Day</em> magazine.</p> <p><em>Ray Martin: The Last Goodbye</em> will premiere on Wednesday, August 14 at 8.30pm on SBS and SBS On Demand.</p> <p><em>Image credits: SBS</em></p>

TV

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New York City mocked for only just discovering wheelie bins

<p>New York City has been trolled online after discovering wheelie bins for the first time. </p> <p>In order to tackle the "trash revolution", the mayor of NYC Eric Adams announced that wheelie bins will be introduced city wide, instead of the current system which is just leaving rubbish bags on the street.</p> <p>Despite the introduction of wheelie bins being a great solution for the city's trash and rodent problem, many were shocked to learn that the receptacles don't already exist there. </p> <p>Introducing the roll out, Mayor Adams began his press conference rolling in a bin and proudly demonstrating how to use it before celebrating with colleagues.</p> <p>He said “many people thought it was impossible” that these wheelie bins were going to be part of the city’s “trash revolution”.</p> <p>“We all have one unified dislike, and those are those pesky New York City rats,” Mr Adams said.</p> <p>“They’re getting more and more bold. They no longer run from you. They just hang out and just do what they want. We want to make sure we change that in a real way.”</p> <p>NYC department of sanitation commissioner Jessica Tisch described the official NYC bin as a “beautiful, rat-fighting piece of engineering” to conquer the estimated three million rats that dominate the streets. </p> <p>The wheelie bin announcement, which was intended to impress New Yorkers, has also gone global – with Europeans and Australians baffled by concept of wheelie bins being new.</p> <p>“Oh my word! Are they seriously showing their constituents how to use a trash can?” wrote one person.</p> <p>“Huh, they don’t have wheelie bins? What century do they live in?” said a second.</p> <p>“How the hell is this revolutionary??” agreed another.</p> <p>“So they finally figured out putting your trash in piles on the sidewalk is not a good idea,” mocked someone else.</p> <p><em>Image credits: X (Twitter) </em></p>

Home & Garden

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Couple's retirement plans "ruined" after investment fail

<p>A couple from Brisbane claim their retirement has been "ruined" after an investment went wrong. </p> <p>After first visiting Coffs Harbour in 1976, Raymond and Wendy Dibb saw potential in the area, land-banking 2.7 hectares of rural acreage in the late 1980s. </p> <p>The couple bought the land in Korora for $118,000 in 1988 and sat on it for decades, waiting for the day they could make their retirement fortune by subdividing and selling it off.</p> <p>However they never got the chance, as the land was compulsorily acquired by Transport for NSW back in 2021 in order to make way for the Pacific Highway bypass.</p> <p>The $2.2 billion highway is now currently being built over the top of the block, which will be the site of a major intersection when the project opens to traffic in late 2026.</p> <p>The couple believed the land was worth a hefty $5.5 million, although Transport NSW valued it at just $1.062 million back in 2021.</p> <p>A gruelling three-year legal battle finally ended in the NSW Court of Appeal on June 28th, with the Dibbs being awarded $1.359 million in compensation, although they argued they deserved more. </p> <p>“This was a pretty significant financial transaction that’s really gone bad for us,” Raymond Dibb told the<em> </em><a title="www.smh.com.au" href="https://www.smh.com.au/national/nsw/couple-loses-property-fight-after-highway-swallows-5-5-million-dream-20240703-p5jqrx.html" target="_blank" rel="noopener"><em>Sydney Morning Herald</em>. </a>“And it’s got nothing to do with our investment choices."</p> <p>“We’re talking about landowners just minding their own business, and someone comes knocking on your door, saying, ‘We’re going to take your land’”.</p> <p>Mr Dibb slammed the entire process of the acquisition, saying that he believed an independent body should conduct compulsory acquisitions rather than the government.</p> <p>In the Land and Environment Court, Justice Nicola Pain ended up increasing the couple’s compensation to $1.42 million after it was determined the land could have produced seven residential lots with less risk and cost.</p> <p>She found they were also entitled to money to cover fees and stamp duty on a replacement block for their land bank, which the couple argued they would need to buy to delay paying capital gains tax.</p> <p>Transport for NSW argued that they should not have been granted any money for stamp duty, with Justices Kristina Stern, Anthony Payne and Jeremy Kirk agreeing.</p> <p>This was stripped from the award and they refused to revalue the block of land. The couple were also ordered to pay the government’s costs of the two-day appeal.</p> <p>Mr Dibb is considering seeking leave to appeal against the High Court’s decision. He added that the couple’s retirement plans had been ruined by Transport for NSW, which originally offered just $470,000 for the land back in 2019.</p> <p>A spokesperson for Transport for NSW said the government body “empathises with residents and landowners affected by property acquisitions” and said they always “try to minimise the need for property acquisition”.</p> <p><em>Image credits: Shutterstock </em></p>

Money & Banking

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Planning a country escape these school holidays? 4 ways to avoid clogging up the emergency department

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/katherine-riley-1499452">Katherine Riley</a>, <a href="https://theconversation.com/institutions/university-of-wollongong-711">University of Wollongong</a> and <a href="https://theconversation.com/profiles/rebekkah-middleton-314433">Rebekkah Middleton</a>, <a href="https://theconversation.com/institutions/university-of-wollongong-711">University of Wollongong</a></em></p> <p>Winter school holidays are either here or coming up, depending on where in Australia you live. Maybe you’re planning a <a href="https://www.tra.gov.au/en/domestic/domestic-tourism-results">rural escape</a>.</p> <p>Rural tourism is crucial for job growth and sustainability of small rural towns. However, for rural emergency departments, <a href="https://www.abc.net.au/listen/programs/am/holiday-medico-shortages-in-rural-and-remote-australia/103266540">school holidays</a> are often the busiest times.</p> <p>No-one plans a trip to the emergency department on holidays. But if you need health care, there are often other ways of accessing it than turning up at a rural hospital.</p> <p>Here’s why it’s so important to leave rural emergency departments for life-threatening illness or injuries, and some other options for seeking care.</p> <h2>We’re short of doctors and nurses</h2> <p>The Australian Institute of Health and Welfare <a href="https://www.aihw.gov.au/reports/rural-remote-australians/rural-and-remote-health">reports</a> a significant shortfall of nurses and specialist doctors in rural towns compared with staffing levels in big cities.</p> <p>This means many small rural emergency departments only have nurses on staff, with doctors on call or consulted remotely from a larger hospital.</p> <p>In a <a href="https://www.sciencedirect.com/science/article/pii/S1755599X2300143X">study</a> published earlier this year, my colleagues and I discovered this dynamic was especially challenging for rural emergency nurses when critically ill patients presented.</p> <p>One nurse told us: "We need more staff. I mean, I look at these emergency TV shows, and you see them in Kings Cross at the big hospitals there or overseas, they get a phone call […] there’s a resus coming in. Everyone’s standing around the bed with all their signs on, the airway/circulation/team leader […] and here, we have two people. It’s just so different. It’s just a false sense of reality. It’s ridiculous."</p> <p>So emergency departments should be used for <a href="https://www.health.nsw.gov.au/Hospitals/Going_To_hospital/Publications/keep-ed-emergencies.pdf">emergencies only</a>. These include:</p> <ul> <li>sudden collapse</li> <li>chest pain or pressure lasting more than ten minutes</li> <li>breathing difficulty</li> <li>serious mental health condition</li> <li>uncontrollable bleeding.</li> </ul> <p>When emergency departments are used responsibly, this can reduce the pressure on staff. It ensures the most seriously ill receive the care they need promptly.</p> <h2>What are my alternatives?</h2> <p>Here are four ways you and your family can be better prepared for your rural holiday and avoid an unnecessary visit to the emergency department.</p> <p><strong>1. Pack your scripts and medical history summary</strong></p> <p>Bring essential scripts and medications with you. This reduces the need to visit the local emergency department and ensures you have what you need during your stay.</p> <p>Do you have a chronic condition or have had a recent illness or surgery? Make sure you speak to your GP before you go. They can provide a medical health summary that includes your recent treatments and medications. Alternatively, if you have access to <a href="https://www.digitalhealth.gov.au/initiatives-and-programs/my-health-record">My Health Record</a>, ask your GP to prepare a shared health summary and upload it to your record. If you need medical care, this summary will assist in a timely assessment.</p> <p><strong>2. Call Healthdirect, NURSE-ON-CALL or 13HEALTH depending on where you are</strong></p> <p><a href="https://www.healthdirect.gov.au/how-healthdirect-can-help-you">Healthdirect</a> is a 24-hour telephone health advice line (known as NURSE-ON-CALL in Victoria or 13HEALTH in Queensland). By calling the relevant number, you will be connected to a registered nurse who will ask a series of questions and provide evidence-based advice and guidance. The Healthdirect website also offers an interactive <a href="https://www.healthdirect.gov.au/symptom-checker">symptom checker</a> to advise whether you should see a GP, go to an emergency department, or manage your symptoms at home (or in this case, on holidays):</p> <ul> <li> <p><a href="https://www.healthdirect.gov.au">Healthdirect</a> - 1800 022 222</p> </li> <li> <p><a href="https://www.healthdirect.gov.au/nurse-on-call">NURSE-ON-CALL</a> (Vic) - 1300 60 60 24</p> </li> <li> <p><a href="https://www.qld.gov.au/health/contacts/advice/13health">13HEALTH</a> (Qld) - 13 43 25 84.</p> </li> </ul> <p><strong>3. Need a GP? How about GP telehealth services?</strong></p> <p>For minor health concerns or non-urgent issues, <a href="https://www.smh.com.au/national/nsw/how-emily-took-advantage-of-one-of-the-few-good-things-to-come-out-of-covid-20240507-p5fpg3.html">GP telehealth services</a> are a remote-access option that can be used when away from home. Before you go away, check with your GP to see if they offer a <a href="https://www.health.gov.au/topics/health-technologies-and-digital-health/about/telehealth">telehealth service</a>.</p> <p><strong>4. Go to an Urgent Care Clinic</strong></p> <p>The Australian government has funded the opening of <a href="https://www.health.gov.au/find-a-medicare-ucc/about">Urgent Care Clinics</a> across the country. These clinics provide medical assessment and care for urgent illnesses or injuries. They have been created as a solution to divert people away from busy emergency departments. But these Urgent Care Clinics are not suitable for people experiencing emergency or life-threatening conditions.</p> <p>Urgent Care Clinics are ideal for illnesses and injuries that would require urgent treatment such as gastroenteritis, minor infections, lacerations and back pain. Check <a href="https://www.health.gov.au/find-a-medicare-ucc">here</a> to find your closest clinic.</p> <hr /> <p><em>Please keep the emergency department for life-threatening illnesses or injuries, and if needed, call 000 for an ambulance immediately.</em><!-- 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/232262/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/katherine-riley-1499452">Katherine Riley</a>, Lecturer, School of Nursing, <a href="https://theconversation.com/institutions/university-of-wollongong-711">University of Wollongong</a> and <a href="https://theconversation.com/profiles/rebekkah-middleton-314433">Rebekkah Middleton</a>, Associate Professor, School of Nursing, <a href="https://theconversation.com/institutions/university-of-wollongong-711">University of Wollongong</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/planning-a-country-escape-these-school-holidays-4-ways-to-avoid-clogging-up-the-emergency-department-232262">original article</a>.</em></p> </div>

Domestic Travel

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Commonly overlooked estate planning matters

<p>Estate planning is a complex business, making it easy to overlook some important considerations, potentially with costly results.</p> <p>Aside from basic issues like forgotten assets (always keep written records) and inaccurate details (double check everything before signing), seven of the most commonly disregarded estate planning matters are as follows:</p> <ol> <li><strong>Wills</strong></li> </ol> <p>Unlike many younger people, for over sixties the more common issue is not the lack of a will, but one which is out of date.</p> <p>Out-of-date wills complicate matters for executors, can delay probate for your beneficiaries, and may not reflect your true wishes (imagine inadvertently leaving everything to your ex or omitting one or more grandkids!).</p> <p>Update your will as your circumstances change – relationships (divorce, new partner etc), births and deaths, adult children getting married or divorced, exiting a business, asset sales, and so on.</p> <p>Retirement often brings its own changes too – e.g. a sea or tree change, new boat or caravan – which also should be updated in your will.</p> <ol start="2"> <li><strong>Letter of wishes</strong></li> </ol> <p>Wills are typically not read until after a funeral. As such, a letter of wishes is a useful addition for loved ones to have accessible immediately after your death.</p> <p>It can cover everything from funeral arrangements, burial vs cremation, and where you wish to be laid to rest to outlining intentions longer term, such as how any underage children are to be raised and educated, or care arrangements for any pets.</p> <ol start="3"> <li><strong>Super beneficiaries</strong></li> </ol> <p>One of the biggest myths about superannuation is that it is covered by your will. </p> <p>Super is treated separately, meaning you must nominate your beneficiaries within your super fund. And update them as circumstances change.</p> <p>This can be useful for blended families – leaving your super to children/grandchildren from a past relationship without encroaching on the assets of your current partner.</p> <p>Without nominating beneficiaries, the funds could go somewhere else entirely – even to government coffers.</p> <ol start="4"> <li><strong>Advanced Health Directive (a ‘living will’)</strong></li> </ol> <p>Estate planning doesn’t just cover your wishes once you’re gone. Yet people often focus solely on this aspect and overlook how they want to be looked after in the event of ill health or injury preventing them from being able to make decisions (e.g. stroke, terminal illness, severe accident).</p> <p>An Advanced Health Directive can express your wishes and values on everything from life support and resuscitation to palliative care, medical treatments, and who you wish to be able to speak on your behalf. </p> <ol start="5"> <li><strong>Insurances</strong></li> </ol> <p>Rarely do people have adequate insurance coverage for their needs.</p> <p>There are insurances in super, which may cover death and permanent disability. Insurance of assets. Income protection insurance. And health insurance.</p> <p>It’s important to right-size your insurance for your current needs and adapt that cover as your circumstances change. That means:</p> <ul> <li>Taking out new policies for new assets and investments.</li> <li>Updating policy inclusions and exclusions, such as relating to age.</li> <li>Cancelling insurances you no longer need (e.g. sold assets or professional indemnity once you retire).</li> </ul> <ol start="6"> <li><strong>Tax implications</strong></li> </ol> <p>Because Australia has no inheritance tax, many people are lulled into a false sense of complicity over tax implications in estate planning matters.</p> <p>However, beneficiaries can be liable for both Capital Gains Tax and income tax on inherited assets – potentially outweighing the value of those assets altogether.</p> <p>Additionally, your own tax status should be considered. For instance, you may be paying more tax by holding an income-producing asset rather than transferring ownership to a loved one before you pass away.</p> <ol start="7"> <li><strong>Tailored professional advice</strong></li> </ol> <p>DIY will kits, self-titled “expert” authors, and avoiding advisers to save money overlook the true value of tailored, professional advice given the complexity of estate planning.</p> <p>You don’t know what you don’t know, meaning the margin for error is huge. And when it comes to money, tax and estate law, errors can be expensive indeed.</p> <p>A good lawyer, accountant and financial adviser can more than pay for themselves by helping you avoid overpaying taxes, complex legal disputes, insufficient asset protections and lost wealth creation opportunities.</p> <p>And given estate planning is ultimately about peace of mind, can you – or your family – really afford to overlook such valuable insight?</p> <p><em>Image credits: Shutterstock</em></p> <p><em><strong>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> </strong></em></p> <p><em><strong>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.</strong></em></p> <p><strong><em> </em></strong></p>

Legal

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How do I plan for my retirement? Step one – start right away

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/bomikazi-zeka-680577">Bomikazi Zeka</a>, <a href="https://theconversation.com/institutions/university-of-canberra-865">University of Canberra</a></em></p> <p>Planning for retirement is important because it will help you build the nest egg you’ll need to financially sustain your retirement years.</p> <p>Past <a href="https://www.tandfonline.com/doi/epdf/10.1080/03601277.2012.660859?needAccess=true">studies</a> have shown that those who plan for their retirement are more likely to be better off at retirement compared to those don’t.</p> <p>The sooner the planning process gets underway, the better. This gives your money more time to grow by generating investment returns. And the income from your first job is your first opportunity to save for retirement. As the saying goes: “The best time to plant a tree was 20 years ago. The second best time is now.”</p> <p>As people <a href="https://www.statssa.gov.za/?p=15601">can expect to live longer</a>, they must save more for retirement so that they don’t outlive their savings. This is particularly true given that the pensions landscape worldwide has undergone some major changes.</p> <p>In the past, governments and employers provided retirement income for individuals through government social security benefits and employment-based retirement funds. Because of increasing life expectancies, pension plans that guaranteed a retirement benefit to employees are now rare. Employees are now responsible for making contributions towards their own pensions as well as choosing the investments offered by the pension fund.</p> <p>Since employers are no longer responsible for funding their employees’ retirement and governments lack resources to provide a universal state pension, each person is ultimately responsible for ensuring they have enough retirement savings. So it’s very important to know the basics of the retirement planning process.</p> <p>As a researcher, I’m interested in how people use financial products to overcome economic challenges and build wealth. One of the things I investigate is whether planning for retirement leads to better retirement outcomes. For instance, my <a href="https://www.researchgate.net/profile/Bomikazi-Zeka-2/publication/340130176_Retirement_funding_adequacy_in_black_South_African_townships/links/5e8bf3924585150839c6408b/Retirement-funding-adequacy-in-black-South-African-townships.pdf?_sg%5B0%5D=started_experiment_milestone&amp;origin=journalDetail&amp;_rtd=e30%3D">research</a> has found that individuals whose financial affairs are in order are more likely to maintain their standard of living at retirement.</p> <p>Given that everyone’s financial situation is unique, it’s always a good idea to speak to a financial planner for tailored financial advice.</p> <p>If you haven’t given retirement planning much thought or don’t know where to start, here are four points to help get the ball rolling.</p> <h2>What are my retirement goals?</h2> <p>Retirement goals make you think about what you want to achieve by the time you retire and what you need to do to achieve it. Some people may have a goal in mind about when they want to retire, or how much wealth they’d like to have by the time they retire. And since wealth has different meanings for different people, others may think about maintaining or improving their standard of living at retirement.</p> <p>Once you’ve thought about your retirement goals, the <a href="https://corporatefinanceinstitute.com/resources/management/smart-goal/">“smart” goals</a> framework is a useful guide. It outlines that goals should be: specific, measurable, attainable, relevant and time-bound.</p> <p>When goals are clear, within reach, achievable, realistic and time-sensitive, they become a blueprint to help you turn them into a reality.</p> <h2>How do I start saving for retirement?</h2> <p>For those who have a job that comes with retirement fund membership, a workplace pension is used to provide for retirement. But there are also other options available to help you save.</p> <p>For instance, retirement annuity funds are voluntary retirement savings. Personal assets such as <a href="https://www.allangray.co.za/what-we-offer/unit-trust-investment/#fund-3">unit trusts</a> or <a href="https://www.gov.za/faq/money-matters/how-can-i-make-tax-free-investment">tax-free investments</a> can also be used as a savings tool. Unit trusts are generally better suited for people willing to take on risk because their value is tied to the movements of financial markets. In other words, they can generate positive returns but they can also lose value. The drawback of tax-free investments in South Africa is that they have a lifetime contribution limit. You can’t use them to save more than R500,000 (US$27,400).</p> <p>Each of these options has its advantages and disadvantages and what works best for one person may not be best for another. But there are several ways to save for retirement depending on your financial situation and retirement goals. Getting professional advice will help you determine what’s best for you.</p> <h2>Will my retirement savings be enough?</h2> <p>Once you’ve set your retirement goals and have a retirement savings plan in place, you can calculate whether you are saving enough to achieve your retirement goals.</p> <p>For example, if your retirement goal is: “I want to retire at the age of 65 years with an income equivalent to R35,000 (US$1,900) per month” then you can use a <a href="https://www.sanlam.co.za/tools/Pages/retirement.aspx">retirement calculator</a> to track your progress and determine whether you need to make adjustments to meet your goals.</p> <p>You might have to increase the monthly amount you’re putting away for retirement or reconsider your retirement age. The retirement calculators are also a useful tool for regular check-ins on your progress should your financial situation change – for example, if you change employers and earn a different salary.</p> <h2>What other issues should I consider?</h2> <p>It’s also important to think about your lifestyle and priorities.</p> <p>For instance:</p> <ul> <li> <p>do you aim to retire with your mortgage settled?</p> </li> <li> <p>are there debts you plan to clear before you retire or children who need financial support at retirement?</p> </li> <li> <p>would you like to renovate your home?</p> </li> <li> <p>would you like to buy a new car when you reach retirement age?</p> </li> </ul> <p>Another important consideration is healthcare costs. Many people assume that they will be able to work indefinitely and overlook the fact that healthcare costs may increase with age.</p> <h2>Starting early matters</h2> <p>Many people plan to work after retirement age, while others don’t plan to retire at all. It may be that they can’t afford to. They may have accessed their retirement benefits too soon, made inconsistent retirement fund contributions, or had to pay high administrative costs that eroded the final value of a retirement payout.</p> <p>So best be prepared. Retirement may seem like a distant event to plan and save for, especially when there are more pressing financial needs. It’s important to think about the financial decisions you make now that may cost you in the future. If you start to plan for your retirement now, your future self will thank you for it.<!-- 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/230553/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/bomikazi-zeka-680577">Bomikazi Zeka</a>, Assistant Professor in Finance and Financial Planning, <a href="https://theconversation.com/institutions/university-of-canberra-865">University of Canberra</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/how-do-i-plan-for-my-retirement-step-one-start-right-away-230553">original article</a>.</em></p> </div>

Retirement Income

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Battling to make ends meet? Financial planning expert offers 5 tips on how to build your budget

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/bomikazi-zeka-680577">Bomikazi Zeka</a>, <a href="https://theconversation.com/institutions/university-of-canberra-865">University of Canberra</a></em></p> <p>Every day seems to bring new headlines about rising costs. <a href="https://www.news24.com/news24/africa/news/nigerias-big-unions-call-indefinite-strike-over-fuel-prices-and-the-cost-of-living-20230926">In Nigeria</a>, unions are threatening to strike amid soaring fuel prices; the country’s inflation rate <a href="https://www.cbn.gov.ng/rates/inflrates.asp">hit 25%</a> in August. The amount it costs to fill a food basket in South Africa <a href="https://pmbejd.org.za/wp-content/uploads/2023/09/PMBEJD_Key-Data_September-2023_27092023.pdf">keeps climbing</a>. Ghanaians <a href="https://www.reuters.com/world/africa/multi-day-protests-over-economic-crisis-grip-ghanas-capital-2023-09-23/">took to the streets</a> of Accra in late September to protest about the cost of living.</p> <p>A <a href="https://www2.deloitte.com/us/en/insights/industry/retail-distribution/consumer-behavior-trends-state-of-the-consumer-tracker.html">recent study by the audit and consulting firm Deloitte</a> found that 75% of South Africans were concerned that the prices for everyday purchases would continue to increase, while 80% of consumers across all income groups expected the prices of groceries, household utilities and fuel to rise.</p> <p>This stark reality means budgeting may be more necessary than ever.</p> <p>If you don’t know how to create a budget, then you shouldn’t feel bad – most adults aren’t taught how to create one. And most people don’t budget, because they see it as restrictive or unsustainable. But it need not be: once you appreciate that a budget can work for you, it can be a financially empowering exercise. It’s a cornerstone of financial planning because it ensures you are living within your means and helps you remain in financial control.</p> <p>As a financial planning academic, I focus in <a href="https://researchprofiles.canberra.edu.au/en/persons/bomikazi-zeka/publications/">my research</a> on improving financial wellbeing and promoting savings behaviours through interventions such as budgeting. Here are five guidelines for creating a budget.</p> <h2>1. Apps vs spreadsheet</h2> <p>A good place to start is to choose the format of how you’re going to budget. There are several <a href="https://www.sanlamreality.co.za/wealth-sense/setting-up-a-family-budget-that-works/">online templates</a> and apps you can use for budgeting. For instance, <a href="https://www.22seven.com/">22Seven</a> has gained popularity in South Africa due to its compatibility with several financial institutions, including the country’s big five banks. Similarly, <a href="https://www.the-star.co.ke/business/kenya/2021-01-25-budgeting-using-mint-app/">Mint</a> is a popular budgeting tool that is used in Kenya and Nigeria.</p> <p>If you prefer to put pen to paper, some online templates come with <a href="https://www.wonga.co.za/blog/free-budget-template">free printable budgets</a>. Creating your own <a href="https://create.microsoft.com/en-us/learn/articles/how-to-make-excel-budget">Excel spreadsheet</a> is an equally good approach.</p> <p>What matters most is using a tool that you can commit to.</p> <h2>2. Itemising your income and expenses</h2> <p>A budget essentially shows how much you’re spending in relation to how much you’re earning. So once you have selected your budgeting tool, you need to fill in your income and itemise how much you’re spending on each expense in a month. A budget can be considered a cashflow statement because it allows you to track money coming in (income) and money going out (expenses).</p> <p>If you are living within your means, your budget should indicate a surplus – more cash inflows than cash outflows. So budgeting provides an accurate account of your short-term financial position.</p> <h2>3. A realistic account of expenses</h2> <p>When you look at your financial statements, fill your expenses into your budget honestly and accurately. Don’t cheat! Since everyone’s financial situation is different, your budget will also be unique.</p> <p>Even though there is no one-size-fits-all approach to budgeting, it should still consider all of your expenses (both regular and intermittent). A general rule of thumb is that if it’s deducted from your account then you should treat it as an expense. This includes payments for housing, medical insurance, fuel, dining out, credit card repayments and even bank fees.</p> <h2>4. Save first, spend later</h2> <p>Now you’ve seen how much you’re spending. Either it’s too much – and you can plan where to cut back – or you have savings at the end of the month.</p> <p>When compiling your budget it’s important to demarcate how much will be in the form of savings. What’s more important is getting into the habit of saving before you spend instead of saving after spending. If you spend first then you’ve deprived yourself of the opportunity to save for a rainy day.</p> <p>Furthermore, <a href="https://eprints.hud.ac.uk/id/eprint/10231/1/Microsoft_Word_-_submitted_version_3rd_June_201.pdf">research</a> has shown that getting into the habit of saving has a transgenerational effect: it can be considered a cultural value that is passed on from one generation to another. So think of saving as paying yourself first. Once you have done so, you won’t feel guilty for treating yourself because you’ve already done the financially responsible thing by putting your savings aside.</p> <h2>5. Considering assets and liabilities</h2> <p>Once you’ve become comfortable with consistently budgeting, you can take it up a notch by including your assets (everything you own with an economic value) and liabilities (everything you owe) to determine your overall financial position.</p> <p>You can get a clearer picture of your overall financial wellbeing by compiling a list of all your assets, for example your savings and <a href="https://www.investopedia.com/terms/h/home_equity.asp">home equity</a>, in relation to liabilities (such as bank loans). Knowing your long-term financial position can indicate how financially resilient or vulnerable you are. In the event of a financial emergency, you will know which resources you can draw upon to meet an unexpected expense.</p> <p>By creating a budget (and sticking to it), you can protect yourself and your household from financial shocks. Consider the alternative. Imagine you haven’t budgeted and set savings aside. If a financial emergency were to arise, your next best bet would be to borrow the funds you need. You’d have to come up with a plan to repay what you’d borrowed while also building your savings.</p> <h2>A healthy habit</h2> <p>Getting into the habit of budgeting isn’t easy, especially if you haven’t done it before or you’re intimidated by the process. But, as the expression goes, “a journey of a thousand miles begins with a single step”. Think of budgeting as taking a small but important step towards reclaiming control over your finances and improving your financial well-being.<!-- 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/214861/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/bomikazi-zeka-680577">Bomikazi Zeka</a>, Assistant Professor in Finance and Financial Planning, <a href="https://theconversation.com/institutions/university-of-canberra-865">University of Canberra</a></em></p> <p><em>Image credits: Getty Images </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/battling-to-make-ends-meet-financial-planning-expert-offers-5-tips-on-how-to-build-your-budget-214861">original article</a>.</em></p> </div>

Money & Banking

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Insider spills on Robert Irwin's plans for I'm a Celeb

<p>Robert Irwin received rave reviews for his co-hosting skills alongside Julia Morris on this year's<em> I'm a Celebrity...Get Me Out of Here</em>, but an insider has claimed that he won't be returning for another season.  </p> <p>"His easygoing and faultless live TV skills have won over the nation. But his career at Ten will only be short-lived, and he is heading back to Seven," a source told <em>Woman's Day</em>. </p> <p>The negotiation is believed to have been orchestrated by the ultimate "mumager" Terri Irwin. </p> <p>"The Irwins are very smart when it comes to negotiations," the insider added. </p> <p>The source also claimed that Robert's decision to join<em> I'm a Celebrity</em> was seen as a one-off opportunity to elevate his television profile - which he has achieved after bringing fresh energy into the show. </p> <p>Channel Seven is reportedly keen to welcome Robert back with a massive deal, according to the source. </p> <p>"Seven want Robert back and have thrown a king's ransom at him," they said.</p> <p>If the deal goes through, Julia Morris will have to find a new partner to head to the jungle with. </p> <p>Many fans have praised Robert for bringing some fun into the jungle. </p> <p>"I have not ever been keen on watching this show but Robert you have brought some class and good honest fun to the jungle. Thank you," one fan wrote under a clip of the show's grand finale that Robert posted on his Instagram. </p> <p>"How awesome was Robert? This gig was like it was made for him. What a natural," another added. </p> <p>"Best year of I'm a Celebrity, and it was because you added something to the show as Co-Host. Brilliant job for somebody with no experience but with a lot to give," commented a third. </p> <p><em>Images: Instagram</em></p>

TV

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Best cities to discover on foot revealed

<p dir="ltr">When it comes to travelling and exploring new places, there is no better way to experience everything a new city has to offer than just by walking around. </p> <p dir="ltr">By keeping on your feet rather than using public transport, you get the chance to explore more hidden corners of your destination and truly soak up the new culture, all while getting your steps in. </p> <p dir="ltr">That being said, there are definitely some cities that are easier to traverse on foot than others. </p> <p dir="ltr">But now, one company has put in the hard work to determine the 100 best cities around the world for travellers who want to walk their way to new experiences. </p> <p dir="ltr"><a href="https://www.guruwalk.com/">GuruWalk</a>, a company that offers free walking tours worldwide, has compiled the list based on booking and search data for 800 cities across 120 countries. </p> <p dir="ltr">In terms of countries as a whole, Spain topped the list with 28 cities appearing in the top 100, while Rome, Italy took out the top spot for most walkable city. </p> <p dir="ltr">Rome’s walkability is largely due to the location of the tourist hotspots, with the world-class attractions all located close to each other. </p> <p dir="ltr">GuruWalk comments, “The sheer number of monuments it hosts sometimes causes tourists to not even know where to start.”</p> <p dir="ltr">“So it’s not surprising that Rome hosts more guided tours than any other place.”</p> <p dir="ltr">Check out the entire top ten list below. </p> <p dir="ltr">10. Porto, Portugal </p> <p dir="ltr">9. London, England </p> <p dir="ltr">8. Amsterdam, The Netherlands</p> <p dir="ltr">7. Prague, Czech Republic</p> <p dir="ltr">6. Lisbon, Portugal </p> <p dir="ltr">5. Florence, Italy </p> <p dir="ltr">4. Madrid, Spain</p> <p dir="ltr">3. Barcelona, Spain</p> <p dir="ltr">2. Budapest, Hungary</p> <p dir="ltr" role="presentation">1. Rome, Italy</p> <p dir="ltr"><em>Image credits: Getty Images</em></p> <p> </p>

International Travel

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