Placeholder Content Image

Prince William and Kate share poignant Christmas card

<p>Prince William and Kate have released their annual Christmas card. </p> <p>After a difficult year for the royal family, Prince William and Kate shared the poignant card to social media on Friday morning. </p> <p>The royal couple shared a clip of the card sitting open on a table in front of a lit-up Christmas tree and surrounded by fake snow, with the message inside the card reading: "Wishing you a very Happy Christmas and New Year." </p> <p>The image used in the Christmas card was taken earlier this year from a video that marked the end of Kate's chemotherapy treatment. It shows Prince Louis, Prince William, Kate, Princess Charlotte and Prince George all sitting arm-in-arm together in Norfolk last summer. </p> <p>The happy family are seen smiling broadly and the reason why they chose this photo was to highlight their family-first focus this year. </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/DDwzZTct7Vw/?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/DDwzZTct7Vw/?utm_source=ig_embed&amp;utm_campaign=loading" target="_blank" rel="noopener">A post shared by The Prince and Princess of Wales (@princeandprincessofwales)</a></p> </div> </blockquote> <p>Prince and William and Kate have already posted out their Christmas card  to family, friends and the couple's charities. </p> <p>The release of the card comes after A Kensington Palace source told UK news outlets that the royal couple have skipped the Buckingham Palace Christmas luncheon for the first time, as they had travel plans and it was not a last-minute change. </p> <p>The royal couple are reportedly already in their Norfolk home with their three kids and are said to be looking forward to celebrating Christmas Day with their family in Sandringham.</p> <p><em>Image: Instagram/ Kensington Palace</em></p> <p> </p>

Family & Pets

Placeholder Content Image

Prince Harry and Meghan share rare glimpse of their kids in Christmas card

<p>Prince Harry and Meghan Markle have released their annual Christmas card, featuring a collage of photos of their humanitarian work. </p> <p>Amidst the photos was a charming family photo, with royal fans delighted for their first glimpse of Archie and Lilibet in many months. </p> <p>The Christmas card has been sent to those who signed up to their subscription list, compiling moments of Prince Harry and Meghan at various appearances throughout the year.</p> <p>The photo with Archie, five, and Lilibet, two, seems to have been taken on the grounds of the couple's Montecito mansion.</p> <p>In the photo, we see Harry and Meghan standing on the driveway at their home with their arms outstretched as their children run into them.</p> <p>Archie is running towards his mum and Harry is crouched down as his Lilibet runs into his arms.</p> <p>Fans were quick to point out both the children's flaming red hair, reminiscent of Prince Harry's signature red locks.</p> <p>The family's three dogs are also in the shot, a black Labrador called Pula, and two Beagles called Guy and Mamma Mia.</p> <p>The message on the card read: "On behalf of the office of Prince Harry and Meghan, the Duke and Duchess of Sussex. Archewell Productions and Archewell Foundations. We wish you a very Happy Holiday Season and a joyful new year."</p> <p>Other photos on the card include images from the couple's trip to Nigeria as well as snaps from their trip to Colombia in August.</p> <p>Archie and Lilibet last featured on the Sussexes Christmas card in 2021, when Lililbet was just six months old. </p> <p><em>Image credits: The Duke and Duchess of Sussex</em></p> <p> </p>

Family & Pets

Placeholder Content Image

Eurovision hosts announce sudden departure

<p>In another shake up to Australian television this year, Joel Creasey and Myf Warhurst have quietly quit their role as hosts of the SBS Eurovision broadcast for next year. </p> <p>The network posted the surprise announcement on their website on Wednesday afternoon. </p> <p>“Statement regarding commentary team for the Eurovision Song Contest 2025," it read, before announcing the duo's departure. </p> <p>The pair have hosted the Eurovision broadcast since 2017, after taking over from long-running hosts Julia Zemiro and Sam Pang. </p> <p>Creasey and Warhurst faced a few challenges during their time as hosts, as Aussie Eurovision fans constantly compared them to the previous hosts. </p> <p>However, despite the challenges they have expressed how honoured they were to host Eurovision for the last seven years. </p> <p>“It’s been a huge honour to host the Eurovision Song Contest for SBS, but the time has come to hang up our glitter microphones,” the hosts said in the SBS statement.</p> <p>“We have absolutely adored watching our Australian artists compete on the world stage and it’s been a privilege to bring that experience to our dedicated Australian Eurovision fans.”</p> <p>The close friends hinted that they will “work together in some capacity again soon.”</p> <p>The statement came after Eurovision fan sites noted Creasey’s stand-up tour dates in Australia next May clashed with the 2025 contest in Basel, Switzerland.</p> <p>Australia’s Head of Delegation Emily Griggs said Creasey and Warhurst are “forever part of the Eurovision family.”</p> <p>“We’ll cherish your sparkling years in the commentary booth and can’t wait for you to pass on your hot tips and expertise as we welcome our new hosts in 2025,” Griggs said.</p> <p>It is understood SBS has been auditioning potential replacements but are unlikely to reveal the new hosts until February next year. </p> <p><em>Images: SBS/ news.com.au</em></p> <p> </p>

TV

Placeholder Content Image

Another ABC reporter announces shock departure

<p>Another ABC reporter has announced their departure. </p> <p>Music reporter Zan Rowe has announced her exit from ABC Breakfast after ten years on the program. </p> <p>Rowe is the popular host of the <em>Take Five</em> series and has been a star for the ABC, on both radio and television. </p> <p>"As just announced on news breakfast I'm gonna be winding up my weekly music news segment next week will be my final week," she told her followers in an Instagram story. </p> <p>"I've been doing it for ten years," she continued.</p> <p>"It's an idea that i pitched a decade ago. I've had such a good time doing it both in Sydney remotely and then on the couch in Melbourne.</p> <p>"It's been amazing to bring music news but also music analysis and discussions around what's happening with artists these days," she added. </p> <p>"It's been a real pleasure and privilege to do that." </p> <p>The presenter then signed off by saying:  "Take away one thing and you can make space for other things.</p> <p>"2025 the land of opportunity." </p> <p>Her departure follows Michael Rowland's <a href="https://www.oversixty.com.au/entertainment/tv/abc-veteran-announced-his-departure" target="_blank" rel="noopener">announcement</a> that he will also step down from the program on December 13, after 15 years on the show. </p> <p>The ABC is yet to announce the new host for the breakfast show, but it is rumoured that the frontrunner to replace Rowland is  former ABC correspondent James Glenday, who has been the presenter of ABC Canberra’s news bulletin for the past year. </p> <p>Last month he announced his departure from the Canberra role, on the same day as Rowland's departure, with Glenday saying that he was  looking forward to an “exciting new role” in 2025.</p> <p>In just four months, the breakfast show have lost four of their experienced presenters, including Lisa Miller's departure in August, and Tony Armstrong's departure in September. </p> <p><em>Images: Zan Rowe/ Instagram</em></p>

Music

Placeholder Content Image

ABC veteran announced his departure

<p>Longtime host of <em>ABC News Breakfast</em> Michael Rowland has announced his departure from the coveted role. </p> <p>Rowland shared the news on-air on Monday morning, revealing that his last day on the show will be December 13th, despite ABC bosses asking him to stay on the show into next year. </p> <p>“I have some news to announce - and the teams here, they know this news already - I’m leaving News Breakfast at the end of next week," he said. </p> <p>"I’m sorry to the viewers out there for the short notice, but I’m not one for long and drawn out farewells.”</p> <p>“I love working on <em>News Breakfast</em>. Every morning is a buzz and it’s by far the best job I’ve had at the ABC. But after 15 years of 3am starts my body is screaming ‘enough!’. The hours have finally caught up with me.”</p> <p>“I am looking forward to a break and spending more time with my family. My beautiful children were 7 and 5 respectfully when I started the show and they’re now in their 20s,” he said.</p> <p>“There has been an enormous amount of family sacrifice that has gone on to enable me to do the job for 15 years, so looking forward to spending time with them and my beautiful wife, Nicky, as well.”</p> <p>“I will miss the fabulous Brekky team, but I will miss our viewers even more. I am intensely proud of helping build the News Breakfast audience over the years. Thank you all sincerely for entrusting me with your mornings.”</p> <p>Rowland will remain with the ABC and will return to the national broadcaster in mid-2025 to work on “exciting projects.”</p> <p>The presenter and news journalist started his career at the ABC in 1987, and was appointed co-host of <em>News Breakfast</em> in 2010, covering major events such as federal and state elections, four US presidential elections, the Black Summer bushfires and floods in NSW and Victoria, the 100th anniversary of the Gallipoli landings, and the death of Queen Elizabeth II.</p> <p><em>Image credits: ABC</em></p> <p class="paragraph_paragraph__iYReA" style="box-sizing: border-box; margin: 1.5rem 0px; font-family: abcsans, -apple-system, blinkmacsystemfont, 'Segoe UI', Roboto, 'Helvetica Neue', arial, sans-serif; font-size: 18px;"> </p>

TV

Placeholder Content Image

Surcharges are added to most purchases, but what are the rules behind these extra fees?

<div class="theconversation-article-body"> <p><em><a href="https://theconversation.com/profiles/steve-worthington-138">Steve Worthington</a>, <a href="https://theconversation.com/institutions/swinburne-university-of-technology-767">Swinburne University of Technology</a></em></p> <p>You head to the register at the cafe to pay for your lunch, swipe your card and suddenly realise you’ve been hit with an extra small but unexpected charge.</p> <p>It might be listed on your receipt as a service or merchant fee, but either way it’s because you’ve used a credit or debit card.</p> <p>With the pandemic accelerating the use of cards instead of cash – <a href="https://www.rba.gov.au/publications/bulletin/2023/jun/cash-use-and-attitudes-in-australia.html#:%7E:text=Cash%20payments,-The%20CPS%20suggests&amp;text=In%20value%20terms%2C%20the%20cash,cent%20by%20value%20in%202022.">only 13% of Australians use cash</a>, dropping from 27% in the last five years – these extra charges have become mainstream.</p> <p>However, as was highlighted by National Australia Bank chief executive Andrew Irvine during a <a href="https://www.aph.gov.au/Parliamentary_Business/Committees/Joint/Corporations_and_Financial_Services/FinancialAbuse">parliamentary inquiry</a> into bank charges last week, they are often applied, in varying amounts, by businesses for reasons not always in line with their original purpose.</p> <p>Irvine slammed as <a href="https://www.afr.com/companies/financial-services/credit-card-surcharges-should-be-banned-or-regulated-nab-boss-says-20240830-p5k6jm">“outrageous”</a> a 10% surcharge he was forced to pay when he recently bought a cup of coffee at a Sydney cafe. “I don’t like the lack of transparency and lack of consistency,” he said.</p> <p>But most Australians are making these extra payments every day, without question. So how did this end up happening – and what can you do about it?</p> <h2>Card surcharges in Australia</h2> <p>At the start of this century, payments for goods and services were mainly made by cash, paper cheques, credit and debit cards.</p> <p>The first two of these options would eventually be deposited into a bank account by the merchant who ran the business. The latter two would be processed by the bank or financial institution which would charge the business a merchant service fee.</p> <p>For debit cards this might be a fixed fee. But for credit cards it would be proportionate with the value of the goods or services.</p> <p>The Reserve Bank of Australia became concerned the use of credit cards was greater than that of debit cards and <a href="https://www.rba.gov.au/publications/consultations/201106-review-card-surcharging/background.html">introduced surcharging in January 2003</a>. The intention was to lower the cost to the merchant of accepting debit cards and change customer behaviour.</p> <p>This has been achieved, as both the volume and value of paying by debit cards now exceeds the volume and value of paying by credit cards.</p> <p>However, the reality in 2024 is that card surcharges have become commonplace, and in a wide variety of payment situations.</p> <h2>It’s estimated to cost us billions</h2> <p>It is difficult to calculate the total cost of surcharging to Australian consumers since they became legal more than 20 years ago, because the rates charged vary widely.</p> <p>But at last week’s inquiry, Labor MP Jerome Laxale suggested it added up to <a href="https://www.smh.com.au/money/banking/card-surcharges-are-costing-us-billions-but-can-they-be-avoided-20240830-p5k6o8.html">A$4 billion</a> in the last year.</p> <p>Surcharges can be imposed by small to medium enterprises such as your local cafe, doctor’s surgery, your energy supplier, or when you use a card to pay your council rates.</p> <p>As an example, my rates are payable by card, with a surcharge of 1.10% for Mastercard and Visa credit, and 0.55% for eftpos and Mastercard and Visa debit cards.</p> <h2>When surcharges can be applied</h2> <p>Many merchants charge the same rate for all their card payments and some fail to alert customers to the extra fee before accepting the payment at their terminal, which they are required to do.</p> <p>Indeed, even on a receipt for payment, the surcharge can be described by the merchant as a “handling” or “merchant” fee.</p> <p>The Australian Competition and Consumer Commission <a href="https://www.accc.gov.au/consumers/pricing/card-surcharges">(ACCC)</a> regulates surcharging and demands the merchant prove a surcharge is justified.</p> <p>Furthermore, the ACCC says if there is no way for a consumer to pay without paying a surcharge – that is, they can’t pay by cash or cheque – then the business must include the surcharge in <a href="https://www.accc.gov.au/business/pricing/price-displays#toc-display-of-surcharges">the displayed price</a>.</p> <h2>Penalties for misuse</h2> <p>The ACCC can take merchants to court to enforce these regulations and there have been some examples of this in recent history.</p> <p>In July 2021, <a href="https://www.accc.gov.au/media-release/nine-entertainment-pays-penalties-for-alleged-excessive-payment-surcharges#:%7E:text=The%20ACCC%20alleged%20that%20these,Deputy%20Chair%20Mick%20Keogh%20said.">Nine Entertainment paid penalties totalling $159,840</a>, plus $450,000 redressing customers, for charging subscribers and advertisers excessive surcharges.</p> <p>The ACCC specifies that the surcharge must not be more than it costs the merchant to use that payment type.</p> <p>As guidance to the merchants, it also offers <a href="https://www.accc.gov.au/consumers/pricing/card-surcharges">the average costs for different payment types</a>: eftpos less than 0.5%, Mastercard and Visa Debit 0.5%–1% and Mastercard and Visa credit 1%–1.5%.</p> <p>However, despite the ACCC setting guidelines for the amounts that can be charged, many surcharges are above this guidance and in some cases more than 2.0% for all cards.</p> <p>Some merchants do charge different surcharging rates, depending on the cards they accept, be it eftpos, Mastercard or Visa. In theory, the surcharge rate is meant to be determined by the merchant service fee, which is negotiated between the merchant and their bank.</p> <p>Larger merchants, such as the supermarkets, department stores and energy companies, can negotiate low rates (reportedly as low as one cent a transaction). But smaller merchants with less negotiating clout will have higher service fees.</p> <p>The arrival of new payment players, such as <a href="https://www.forbes.com/advisor/business/software/square-vs-stripe/">Square and Stripe</a>, has offered businesses an alternative banker of card payments, which can then use surcharging as part of their merchant service fees.</p> <h2>Surcharging overseas</h2> <p>The <a href="https://europa.eu/youreurope/business/finance-funding/making-receiving-payments/electronic-cash-payments/index_en.htm">European Union</a> already has a long-standing ban on surcharging, while in the United States, surcharging is illegal in some states.</p> <p>Other countries, including the United Kingdom, have tried surcharging on card payments, only to abandon them as it was rorted by some merchants and became an unnecessary expense for consumers.</p> <p><a href="https://bluenotes.anz.com/posts/2023/07/anz-news-surcharge-steve-worthington-australia#:%7E:text=In%202018%20the%20UK%20Treasury,their%20hard%2Dearned%20money%E2%80%9D.">A statement</a> released by the UK Treasury when it banned the practice in 2018 described surcharges as</p> <blockquote> <p>Hidden charges for paying with a debit or credit card, which will help millions of UK consumers to avoid rip-off fees when spending their hard earned money.</p> </blockquote> <h2>What can you do about it?</h2> <p>Before surcharging was allowed by the Reserve Bank in January 2003, acceptance by merchants of payments was just another cost of doing business. And it seems many consumers have just accepted surcharges as part of their transactions.</p> <p>There are ways to avoid them, the most obvious being to use cash. Using eftpos involves charges, but they are less than those imposed on credit and debit cards.</p> <p>The Reserve Bank is working on implementing a so-called <a href="https://www.rba.gov.au/payments-and-infrastructure/debit-cards/least-cost-routing/#:%7E:text=What%20is%20least%2Dcost%20routing,'merchant%2Dchoice%20routing'.">“least-cost routing”</a> system that defaults to the lowest cost network when processing payments. Unfortunately, this is yet to be widely adopted by businesses.<!-- 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/237964/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><a href="https://theconversation.com/profiles/steve-worthington-138"><em>Steve Worthington</em></a><em>, Adjunct Professor, <a href="https://theconversation.com/institutions/swinburne-university-of-technology-767">Swinburne University of Technology</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/surcharges-are-added-to-most-purchases-but-what-are-the-rules-behind-these-extra-fees-237964">original article</a>.</em></p> </div>

Money & Banking

Placeholder Content Image

Sam Armytage's shock departure from Seven

<p>Samantha Armytage has announced that she is leaving the Seven Network after 21 years. </p> <p>The beloved TV and media personality has confirmed the news on Sunday via social media, with a highlight reel of her time on the network. </p> <p>"21 is a coming-of-age," she began in the post. </p> <p>"And so, after that many years, I am departing Channel 7 with lots of happy memories, a full heart & huge thanks to the many fantastic colleagues along the journey."</p> <p>The <em>Farmer Wants A Wife </em>host will bid farewell to the television network in October when her contract expires.</p> <p>According to the<em> Daily Telegraph</em>, she was offered another contract with the network but declined the offer. </p> <p>“It’s a little sad and it’s bittersweet, but the time has come,” Armytage told the outlet.</p> <p>“I leave with lots of goodwill in my heart and excitement about the future.</p> <p>“I’m big on instinct. I listen to my instinct. I know when the time comes. I am proud of the fact that I back myself enough to say, ‘I’ve done what I can do here,’ and I move on.</p> <p>“This is not the end. It’s just the end of this chapter.”</p> <p>She said that the reason why she chose to leave the network was because she wanted to "feel fulfilled". </p> <p>“I had to sit with myself here and ask, ‘What does my next five to 10 years look like?” she told the<em> </em><em>Daily Telegraph</em>.</p> <p>“I’m 47, so it was a bit of a stocktake. I’m still productive. I want to make good TV.”</p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-captioned="" data-instgrm-permalink="https://www.instagram.com/p/C-O0gONTW11/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/p/C-O0gONTW11/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by Samantha Armytage (@sam_armytage)</a></p> </div> </blockquote> <p>The beloved presented has been the host of <em>Farmer Wants A Wife</em> for the past two years, after moving from her role as a host on<em> Sunrise</em>, which she held of eight years. </p> <p>The Seven network have also released a statement confirming her departure. </p> <p>“After 21 years, Samantha Armytage has decided to leave the Seven Network in October this year. We fully understand and support her decision,” said Angus Ross, Group Managing Director of Seven Television.</p> <p>“Sam has made a remarkable contribution to Seven over more than two decades, from 7NEWS and Sunrise to, more recently, Farmer Wants A Wife.</p> <p>“Her genuine affection for the country lifestyle she’s grown up with and enjoys to this day has shone through her three seasons with the TV WEEK Logie Award-nominated series. It’s been a pleasure watching Sam share her pride of these communities with Australia as our incredible farmer love stories have unfolded.</p> <p>“We wish Sam – and her farmer – every happiness and success for the future.”</p> <p>The move comes after several high-profile staff exits at the network amid their restructure. </p> <p><em>Images: Instagram</em></p>

TV

Placeholder Content Image

"Apparently, my time is up": Veteran Channel 7 anchor's abrupt departure

<p>Veteran Channel 7 anchor Sharyn Ghidella is leaving the network. </p> <p>After an almost two-decade career at the broadcaster's Brisbane bureau, the evening co-presenter announced her abrupt departure in an <a href="https://www.news.com.au/entertainment/tv/current-affairs/veteran-channel-7-anchor-sharyn-ghidella-informs-staff-of-her-immediate-departure-from-network/news-story/27acc9efc07bdd91a424bf28e7f1ae34" target="_blank" rel="noopener">all-staff email</a>, which was seen by news.com.au, on Friday. </p> <p>In the all-staff email reportedly seen by news.com.au, Ghidella said that her exit didn't pan out the way she'd hoped. </p> <p>“After 17 years at 7, apparently, my time is up,” she wrote.</p> <p>“It’s not quite how I expected it to end after 38 years in the industry, but hey, that’s TV.</p> <p>“I will certainly miss the friendships and the fun we have had, around what is, the serious business of news.”</p> <p>She was reportedly offered the opportunity to farewell viewers but declined. </p> <p>“I’m making a clean break, and I probably won’t get the chance to bid you farewell in person,” Ghidella she continued in the email. </p> <p>“But please know that I have held all of you in the highest regard during my time on the mountain and I thank you all, from the bottom of my heart, for everything you did to ensure we made it to air each night.”</p> <p>Ghidella also shared a statement on her <a href="https://www.facebook.com/sharyn.ghidella/" target="_blank" rel="noopener">Facebook</a> page, talking about the changes Seven has underwent recently, including introducing a comedy segment and horoscope report to their national news offering. </p> <p>“I’m also not one to have my evening news served up with humour and horoscopes either, so, to be honest, it is time to go,” Ghidella wrote.</p> <p>Former newspaper editor Anthony De Ceglie, who replaced Craig McPherson as the network’s news director in April has also commended Ghidella for her "significant contribution" to the station. </p> <p>“We are grateful for her hard work and are sorry to see her go. She leaves with sincere thanks from everyone at Seven and our very best wishes for the future,” De Ceglie told news.com.au. </p> <p>Seven Brisbane’s Director of News Michael Coombes added, “For 17 years, Sharyn has been a welcome guest in lounge rooms across Queensland – always professional, always reliable, always warm.</p> <p>“But for all of us, she is so much more. A mentor, a colleague, a friend. I have nothing but admiration and gratitude for Sharyn. And we wish her every success for the future.”</p> <p><em>Images: Instagram</em></p>

TV

Placeholder Content Image

Aussies hit with "hidden fees" for using common payment method

<p>Millions of Aussies have copped up to $1 billion in "hidden fees" for choosing to use one common payment method. </p> <p>Many are unaware about the secret extra charges that come with using the tap-and-go payment method, as millions of customers use it as the preferred way to pay and go. </p> <p>However, according to financial counsellor Scott Pape, also known as The Barefoot Investor, while tapping your card may be easier, it might not be great for your bank account.</p> <p>“What most people don’t know is that, when they tap, their bank generally defaults that payment through Visa or MasterCard, who pays them a fee — instead of defaulting that payment through the much cheaper bank-owned EFTPOS,” Pape said in his column for the <em><a href="https://www.dailytelegraph.com.au/business/barefoot-investor/the-common-smartphone-app-thats-ripping-you-off/news-story/0b71afa29c86faf2b938c44f93bbc8d6?amp" target="_blank" rel="noopener" data-link-type="article-inline">Daily Telegraph</a></em>.</p> <p>While some businesses choose to absorb the cost, others pass it on to the customer as a surcharge, as Pape says, “Talk about a rort.”</p> <p>According to the Royal Bank of Australia (RBA), Visa and Mastercard are generally more expensive for merchants than the EFTPOS network.</p> <p>Payments through EFTPOS are generally about 0.3 per cent of the transaction value, while Debit Mastercard and Visa Debit may cost many some people about 0.5 per cent.</p> <p>Mastercard and Visa credit could cost customers more than 0.75 per cent of the transaction, while American Express card payments are even more, charging merchants 1 to 1.5 per cent.</p> <p>Thankfully, according to Pape, there are ways to avoid paying the extra fees. </p> <p>If your bank card is attached to your smartphone, you can change the default payment setting.</p> <p>“On an iPhone, open ‘Settings’, go to ‘Wallet & Apple Pay’, then tap your debit card,” Pape said.</p> <p>“Then look for ‘Payment Option’. It will generally have ‘MasterCard’ or ‘Visa’ preselected, but instead you should select ‘EFTPOS SAV’.”</p> <p>This is not allowed on all cards, however, and those who use Android will need to check with their bank if a possible solution exists.</p> <div> </div> <p>The other way to avoid paying the surcharges is to just start inserting or swiping your card again.</p> <p>“I know it’s annoying, but if you swipe and insert your card you can choose ‘cheque’ or ‘savings’ and it’ll go through the EFTPOS system, which at the bigger retailers means you’ll be less likely to be charged,” Pape said.</p> <p><em>Image credits: Shutterstock </em></p>

Money & Banking

Placeholder Content Image

Veteran Channel 7 news presenter announces shock departure

<p>Longtime presenter of Channel 7 news Jodie Speers has announced her departure from the program after 15 years. </p> <p>Jodie has long been the face of the early morning <em>7News</em> bulletin, but has decided to step back after a decade and a half behind the desk. </p> <p>Taking to Instagram on Friday, she announced it would be her final day on the job. </p> <p>Jodie shared a series of photos documenting her highlights from her many years in the role, while candidly sharing why she was calling it quits. </p> <p>“The end of an era! I didn’t expect to feel so emotional today! 💓” she said.</p> <p>“This job has given me so much over the past 15 years. From a stint in federal parliament, another one in the courts, and everything from crime scenes to red carpets, bushfires to brain surgeries, every day was different."</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/p/C4yhod8yjcd/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/p/C4yhod8yjcd/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by Jodie Speers (@jodiespeers)</a></p> </div> </blockquote> <p>“Sometimes sad, often stressful, at times hilarious or completely bizarre 🤪”</p> <p>Speers then spoke of how the job impacted her family life, admitting it had been difficult balancing the unusual hours and being a mother to three kids, who she shared with husband Ben Fordham. </p> <p>“I’ve since spent years reading the early news ... juggling babies and toddlers, getting up at an ungodly hour ... but getting home in time to see my babies wake up."</p> <p>“I’ve been chipping away at a law degree for the last year and now looking forward to a new season ... getting back to court in a different capacity!"</p> <p>“As always, the people make the place — I’ve worked with so many over the years — and can’t think of a single bad egg. It’s these guys I will definitely miss the most ❤️🙏.”</p> <p>Friends and colleagues flocked to the comment section to send their well wishes to Jodie on her next venture, while congratulating her 15-year stint with Channel 7. </p> <p><em>Sunrise</em> weather presenter Sam Mac said, “Going to miss starting our day with you 🙌 But your new profession may come in handy for me one day 🤷🏽‍♂️ congratulations & well done 👏.”</p> <p>“You are incredible! I always loved seeing you if i was ever in Sydney. You are so warm, genuine and kind! Cannot believe you’ve been working, studying law and juggling 3 kids! Amazing! Big love and best wishes for the next chapter x,” former <em>7News </em>presenter Kendall Gilding said.</p> <p>“One of the best in TV! Absolute class act,” <em>Sunrise</em> presenter Shaun White said.</p> <p><em>Image credits: Instagram </em></p>

TV

Placeholder Content Image

"I was angry": Julia Morris comes clean about Dr Chris Brown's departure

<p>We are all well aware that Dr Chris Brown, beloved former co-host of the jungle rollercoaster known as <em>I’m A Celebrity… Get Me Out Of Here!</em>, bid farewell to the show last year. Host Julia Morris, renowned for her vivacious wit and boundless charm, recently shed some light on her inner turmoil when her long-time partner in jungle antics decided to hop over to rival network Seven.</p> <p>The departure of Chris, after nine glorious seasons of quips and critters, left Julia in a state of bewilderment. "I was shocked," Morris <a href="https://au.lifestyle.yahoo.com/julia-morris-admits-she-was-angry-when-chris-brown-quit-im-a-celebrity-004322904.html" target="_blank" rel="noopener">told Yahoo! News</a>. "I was angry, but I was also fine because it's what my friend needed to do. It was a super confusing time."</p> <p>Morris then faced the daunting prospect of finding a new partner-in-crime; enter Robert Irwin, the youthful wildlife enthusiast and heir to the Crocodile Hunter legacy. After a rigorous audition process involving around six Aussie personalities, Robert emerged as the chosen one. Julia described the moment as if the clouds parted, and a celestial spotlight shone down on young Irwin. "Everybody dissolved immediately and everybody knew it," Julia recounted. </p> <p>Now, the burning question on everyone's minds: Will Julia be just as flirtatious with the sprightly 20-year-old Irwin as she was with Chris? On that matter, Julia has remained coy: "I don't know how and why it's already working so beautifully." she teased.</p> <p>Julia also reassures us that she and Robert have already formed a bond akin to that of two koalas clinging to the same eucalyptus tree. "Now we have fun. I'm learning along the way from Robert, which is fantastic," she gushed. And thus, a new era dawns in the jungle, where critters roam, celebrities squirm and Julia Morris reigns supreme as the queen of quips and camaraderie.</p> <p><em>Image: Network 10</em></p>

TV

Placeholder Content Image

“Don’t be alarmed”: Better Homes and Gardens star makes shock announcement

<p dir="ltr"><em>Better Homes and Gardens</em> star Karen Martini has announced she will be “stepping back” from her role on the program. </p> <p dir="ltr">After almost two decades on the show, the 52-year-old admitted she has “so much on my plate” this year as she balances a range of different projects. </p> <p dir="ltr">The chef and restaurateur will be taking a break from the show to focus on work, while also making more time for her teenage daughters, Stella, 17, and Amber, 15.</p> <p dir="ltr">She told <em><a href="https://7news.com.au/entertainment/tv/better-homes-and-garden-star-karen-martini-makes-shock-announcement-stepping-back-c-13310981">7News</a></em>, “With my two new restaurants— Johnny’s Green Room already open and Saint George set to launch soon — as well as so many other projects on the go, 2024 is shaping up to be my busiest year ever.”</p> <p dir="ltr">“My daughters are in their last teenage years too — it’s quite daunting as Stella is in year 12 and also on her Ls.”</p> <p dir="ltr">“With so much on my plate, I’ve made the decision to step back from <em>Better Homes and Gardens</em> (BHAG) this year while I focus on some of my other exciting projects.”</p> <p dir="ltr">“So don’t be alarmed if I’m not in your living room every Friday night.”</p> <p dir="ltr">Karen will continue to make the occasional guest appearance on the show, but will not feature in every episode. </p> <p dir="ltr">After the news of Karen’s departure was announced on the <em>Better Homes &amp; Gardens</em> Instagram account, longtime viewers shared their messages of support to the chef in her next ventures. </p> <p dir="ltr">One person wrote, “Been watching since you joined in 2007 and I’ve loved watching you in the kitchen. All the best.”</p> <p dir="ltr">The 52-year-old also shared her excitement over the newest addition to the <em>Better Homes</em> line-up: chef and <em>MKR</em> judge Colin Fassnidge.</p> <p dir="ltr">“I’m so excited that my mate Colin Fassnidge is entering the <em>Better Homes</em> kitchen,” she went on.</p> <p dir="ltr">“I think his cheeky flavour is sure to spice up the show and I can’t wait to see him on air when we are back on Friday, February 2.”</p> <p dir="ltr" style="line-height: 1.38; margin-top: 0pt; margin-bottom: 14pt;"><em>Image credits: Instagram</em><span id="docs-internal-guid-f58c99fe-7fff-4b7e-1eb4-bc9024fbdc3d"></span></p>

TV

Placeholder Content Image

Body language expert breaks down royal family's Christmas card

<p>A body language expert has broken down the subtle meanings and messages hidden in the royal family's Christmas card. </p> <p>On Monday, Prince William and Kate Middleton shared their 2023 Christmas card portrait, which features the Prince and Princess of Wales and their three children in a charming black and white photo. </p> <p>While their family portrait was met with <a href="https://oversixty.com.au/lifestyle/family-pets/blah-brutal-reactions-to-royal-family-s-2023-christmas-card" target="_blank" rel="noopener">mixed reactions</a>, royal fans wasted no time in praising the family for their charming photo. </p> <p>Now, body language experts have dived deep into the real meaning behind almost unnoticeable actions taken by the royals in the pic. </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/p/C0pf0IXNv15/?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/p/C0pf0IXNv15/?utm_source=ig_embed&amp;utm_campaign=loading" target="_blank" rel="noopener">A post shared by The Prince and Princess of Wales (@princeandprincessofwales)</a></p> </div> </blockquote> <p>Body language analyst Judi James told <em><a href="https://www.thesun.co.uk/royals/24997829/kate-william-christmas-card-body-language-signal/" target="_blank" rel="nofollow noopener" data-ylk="slk:The Sun;elm:context_link;itc:0" data-rapid_p="26" data-v9y="1">The Sun</a></em> that, "The strong sense of tight, loving ‘uniformed’ grouping and the stark monochrome, plus the relaxed and confident body language looks like the emotional equivalent of them having a moat and drawbridge around them."</p> <p>Judi went on to say that their choice of relaxed outfits - jeans and white button-up shirts - would be an intentional choice as they show "the strength and total confidence of the pared-down family brand here, without all the trimmings and trappings of their royal status."</p> <p>As she notes, "We know they look superb in formalwear and royal regalia but this is the casual and much more relatable version."</p> <p>Judi also claims that Prince William's slight head tilt "suggests a desire to be liked", while "Kate leans into William’s torso to make this a subtly romantic pose too."</p> <p>Meanwhile, according to Judi, the position of Princess Charlotte right in the middle of the family could be intentional, who says "Charlotte looks so much like the late Queen and this central status-rich pose and beautiful smile are like echoes of Elizabeth when she was young."</p> <p>"This effect doesn’t look deliberate but it is still a rather moving message from this family Christmas card."</p> <p><em>Image credits: Getty Images</em></p>

Body

Placeholder Content Image

“Privileged inbreds”: The Project host slams Charles and Camilla

<p dir="ltr">King Charles and Queen Camilla have been slammed by a co-host of <em>The Project</em>, who labelled them as “privileged inbreds” in the wake of their Christmas card. </p> <p dir="ltr">Nick Cody and the panel reacted to the royal family’s Christmas card, which shows Charles and Camilla posing in their royal regalia. </p> <p dir="ltr">The King and Queen stood in a stoic pose wearing their robes and towering crowns, with the message inside reading, “Wishing you a very Happy Christmas and New Year”.</p> <p dir="ltr">The monarch’s choice of attire didn’t go down well with Cody, who made his disdain for the couple clear on Monday night’s show. </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/C0upAphhvLF/?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/C0upAphhvLF/?utm_source=ig_embed&amp;utm_campaign=loading" target="_blank" rel="noopener">A post shared by The Project (@theprojecttv)</a></p> </div> </blockquote> <p dir="ltr">“I just need a moment here because, guys – I have some huge news from the weekend,” Cody began sarcastically. </p> <p dir="ltr">“Yes, the rumours are true. King Charles and Queen Camilla released their official Christmas card. I just want to say what everyone in Australia is thinking right now, thank you.”</p> <p dir="ltr">“Thanks very much, guys. It’s a wonderful festive treat that absolutely nobody asked for, and yet you delivered,” he continued, eliciting laughs from the panel and audience members. </p> <p dir="ltr">“You two look like a randy couple approaching me at a bar at 3am to say that you’ve been watching me and really ‘dig my vibe’.”</p> <p dir="ltr">Cody then went on to highlight the ongoing cost of living crisis in both Australia and the UK, and how out of touch the card seemed to many people who are struggling. </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/p/C0pagR3M5fD/?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/p/C0pagR3M5fD/?utm_source=ig_embed&amp;utm_campaign=loading" target="_blank" rel="noopener">A post shared by The Royal Family (@theroyalfamily)</a></p> </div> </blockquote> <p dir="ltr">“I love the brazenness of the card statement too,” he continued. “Sure, people in Australia and the UK are struggling to pay bills and put food on the table this Christmas. They’re doing it tough. But despite all that external noise and the fact you gave yourself a massive 45% pay rise this year, you still found the courage to pose for this picture while wearing a $9.5 million hat. Your family jewels must be epically large, mate. Respect.”</p> <p dir="ltr"><em>The Project</em> presenter then went on to double down on his criticism, and revealed that he’d made his very own Christmas card just for the royal couple.</p> <p dir="ltr">“So, as a small gesture, I have made this Christmas card for you,” said the star, before showing a picture of himself sitting on the toilet giving the King and Queen the middle finger. </p> <p dir="ltr">“I hope you enjoy it. Like you, I also shot it in May while sitting in my personal throne room. To Charles and Camilla, from me, Nick, the colony’s other privileged inbred, Merry Christmas!”</p> <p dir="ltr"><em>Image credits: The Project</em></p>

TV

Placeholder Content Image

"Blah": Brutal reactions to royal family's 2023 Christmas card

<p>Royal fans have shared their mixed reviews of the 2023 Christmas card portrait, featuring Prince William, Kate Middleton and their three children. </p> <p>The Prince and Princess of Wales shared their family photo to their Instagram account on Sunday, with the snap showing the royal family of five all dressed in similar outfits: simple black pants or jeans, and white button up tops.</p> <p>The photo, taken in black and white, shows Kate and William standing behind their three kids, while Prince George and Prince Louis standing around Princess Charlotte, who was seated for the photo. </p> <p>The post of their family Christmas card picture has racked up over 2 million likes, with thousands of people sharing their thoughts on the snap in the comments. </p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-captioned="" data-instgrm-permalink="https://www.instagram.com/p/C0pf0IXNv15/?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/p/C0pf0IXNv15/?utm_source=ig_embed&amp;utm_campaign=loading" target="_blank" rel="noopener">A post shared by The Prince and Princess of Wales (@princeandprincessofwales)</a></p> </div> </blockquote> <p>Many were quick to comment on the similarities between the younger royals and their predecessors, with many stating that "Princess Charlotte looks like a young Queen Elizabeth", while others shared their thoughts on how much Prince Louis is looking like his mother. </p> <p>Despite many royal fans delighting over the card, there were some mixed reactions from others. </p> <p>Royal commentators online were quick to point out how this year's card, all in black and white, is a stark contrast to last year's photo, which shows the family walking hand-in-hand in the sunshine. </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/p/CmH_qcOtUx_/?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/p/CmH_qcOtUx_/?utm_source=ig_embed&amp;utm_campaign=loading" target="_blank" rel="noopener">A post shared by The Prince and Princess of Wales (@princeandprincessofwales)</a></p> </div> </blockquote> <p>While acknowledging that the photo is objectively lovely of the family, some wish that the portrait had a bit more Christmas spirit. </p> <p>One person wrote on X, "This doesn’t look like a Christmas Card. Looks like a Vogue edit’s choice cover from the 90s. Beautiful but not Xmassy!"</p> <p>Another added that the image looked like it was "taken at a photo studio in a shopping mall," while another disappointed fan said it was "Kind of... Well, blah."</p> <p><em>Image credits: Getty Images</em></p>

Family & Pets

Placeholder Content Image

How risky is it to give card details over the phone and how do I reduce the chance of fraud?

<p><em><a href="https://theconversation.com/profiles/paul-haskell-dowland-382903">Paul Haskell-Dowland</a>, <a href="https://theconversation.com/institutions/edith-cowan-university-720">Edith Cowan University</a> and <a href="https://theconversation.com/profiles/ismini-vasileiou-1031778">Ismini Vasileiou</a>, <a href="https://theconversation.com/institutions/de-montfort-university-1254">De Montfort University</a></em></p> <p>Paying for things digitally is so common, most of us think nothing of swiping or tapping our card, or using mobile payments. While doing so is second nature, we may be more reluctant to provide card details over the phone.</p> <p>Merchants are allowed to ask us for credit card details over the phone – this is perfectly legal. But there are minimum standards they must comply with and safeguards to protect consumer data.</p> <p>So is giving your card details over the phone any more risky than other transactions and how can you minimise the risks?</p> <h2>How is my card data protected?</h2> <p>For a merchant to process card transactions, they are expected to comply with the <a href="https://docs-prv.pcisecuritystandards.org/PCI%20DSS/Standard/PCI-DSS-v4_0.pdf">Payment Card Industry Data Security Standard</a>. This is a set of security requirements designed to protect cardholder data and the trillions of dollars of transactions each year.</p> <p>Compliance involves various security measures (such as encryption and access controls) together with strong governance and regular security assessments.</p> <p>If the information stored by the merchant is accessed by an unauthorised party, encryption ensures it is not readable. That means stealing the data would not let the criminals use the card details. Meanwhile, access controls ensure only authorised individuals have access to cardholder data.</p> <p>Though all companies processing cards are expected to meet the compliance standards, only those processing large volumes are subject to mandatory regular audits. Should a subsequent data leak or misuse occur that can be attributed to a compliance failure, a <a href="https://www.csoonline.com/article/569591/pci-dss-explained-requirements-fines-and-steps-to-compliance.html">company can be penalised</a> at levels that can escalate into millions of dollars.</p> <p>These requirements apply to all card transactions, whether in person, online or over the phone. Phone transactions are likely to involve a human collecting the card details and either entering them into computer systems, or processing the payment through paper forms. The payment card Security Standards Council has <a href="https://docs-prv.pcisecuritystandards.org/Guidance%20Document/Telephone-Based%20Payments/Protecting_Telephone_Based_Payment_Card_Data_v3-0_nov_2018.pdf">detailed guides for best practice</a>:</p> <blockquote> <p>A policy should be in place to ensure that payment card data is protected against unauthorised viewing, copying, or scanning, in particular on desks.</p> </blockquote> <p>Although these measures can help to protect your card data, there are still risks in case the details are misplaced or the person on the phone aren’t who they say they are.</p> <h2>Basic tips for safe credit card use over the phone</h2> <p>If you provide card details over the phone, there are steps you can take to minimise the chance you’ll become the victim of fraud, or get your details leaked.</p> <p><strong>1. Verify the caller</strong></p> <p>If you didn’t initiate the call, hang up and call the company directly using details you’ve verified yourself. Scammers will often masquerade as a well-known company (for example, an online retailer or a courier) and convince you a payment failed or payment is needed to release a delivery.</p> <p>Before you provide any information, confirm the caller is legitimate and the purpose of the call is genuine.</p> <p><strong>2. Be sceptical</strong></p> <p>If you are being offered a deal that’s too good to be true, have concerns about the person you’re dealing with, or just feel something is not quite right, hang up. You can always call them back later if the caller turns out to be legitimate.</p> <p><strong>3. Use secure payment methods</strong></p> <p>If you’ve previously paid the company with other (more secure) methods, ask to use that same method.</p> <p><strong>4. Keep records</strong></p> <p>Make sure you record details of the company, the representative you are speaking to and the amount being charged. You should also ask for an order or transaction reference. Don’t forget to ask for the receipt to be sent to you.</p> <p>Check the transaction against your card matches the receipt – use your banking app, don’t wait for the statement to come through.</p> <h2>Virtual credit cards</h2> <p>In addition to the safeguards mentioned above, a <a href="https://www.forbes.com/advisor/credit-cards/virtual-credit-card-numbers-guide/">virtual credit card</a> can help reduce the risk of card fraud.</p> <p>You probably already have a form of virtual card if you’ve added a credit card to your phone for mobile payments. Depending on the financial institution, you can create a new credit card number linked to your physical card.</p> <p>Some banks extend this functionality to allow you to generate unique card numbers and/or CVV numbers (the three digits at the back of your card). With this approach you can easily separate transactions and cancel a virtual card/number if you have any concerns.</p> <h2>What to do if you think your card details have been compromised or stolen?</h2> <p>It’s important not to panic, but quick action is essential:</p> <ul> <li> <p>call your bank and get the card blocked so you won’t lose any more money. Depending on your situation, you can also block/cancel the card through your banking app or website</p> </li> <li> <p>report the issue to the police or other relevant body</p> </li> <li> <p>monitor your account(s) for any unusual transactions</p> </li> <li> <p>explore card settings in your banking app or website – many providers allow you to limit transactions based on value, restrict transaction types or enable alerts</p> </li> <li> <p>you may want to consider registering for <a href="https://theconversation.com/your-credit-report-is-a-key-part-of-your-privacy-heres-how-to-find-and-check-it-116999">credit monitoring services</a> and to enable fraud alerts.</p> </li> </ul> <h2>So, should I give my card details over the phone?</h2> <p>If you want to minimise risk, it’s best to avoid giving card details over the phone if you can. Providing your card details via a website still has risks, but at least it removes the human element.</p> <p>The best solution currently available is to use virtual cards – if anything goes wrong you can cancel just that unique card identity, rather than your entire card.<!-- 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/216833/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/paul-haskell-dowland-382903">Paul Haskell-Dowland</a>, Professor of Cyber Security Practice, <a href="https://theconversation.com/institutions/edith-cowan-university-720">Edith Cowan University</a> and <a href="https://theconversation.com/profiles/ismini-vasileiou-1031778">Ismini Vasileiou</a>, Associate Professor, <a href="https://theconversation.com/institutions/de-montfort-university-1254">De Montfort University</a></em></p> <p><em>Image credits: Getty Images</em></p> <p><em>This article is republished from </em><a style="font-style: italic;" href="https://theconversation.com">The Conversation</a><em> under a Creative Commons license. Read the </em><a style="font-style: italic;" href="https://theconversation.com/how-risky-is-it-to-give-card-details-over-the-phone-and-how-do-i-reduce-the-chance-of-fraud-216833">original article</a><em>.</em></p>

Money & Banking

Placeholder Content Image

Alan Joyce announces shock early departure

<p>Qantas CEO Alan Joyce is stepping down from his position earlier than anticipated, following a period of mounting public and regulatory pressure on the national airline. After dedicating 22 years to Qantas, with a 15-year tenure as its chief executive, Joyce's last day in office was confirmed by Qantas in a statement to the ASX.</p> <p>The airline has been mired in a series of negative headlines for several months, including <a href="https://www.oversixty.com.au/finance/money-banking/alan-joyce-grilled-over-cancelled-flights-and-covid-credits" target="_blank" rel="noopener">allegations of selling tickets for nonexistent flights</a>, exorbitant airfares, high cancellation rates and issues related to <a href="https://www.oversixty.com.au/finance/money-banking/alan-joyce-grilled-over-cancelled-flights-and-covid-credits" target="_blank" rel="noopener">flight credits</a>. Vanessa Hudson, the incoming leader designated to fill Joyce's shoes, will now take on the role of managing director and group chief executive, effective from Wednesday August 6.</p> <p>This unexpected announcement was made on Tuesday morning, with Mr. Joyce stating, "In the last few weeks, the focus on Qantas and events of the past make it clear to me that the company needs to move ahead with its renewal as a priority.</p> <p>"The best thing I can do under these circumstances is to bring forward my retirement and hand over to Vanessa and the new management team now, knowing they will do an excellent job.</p> <p>"There is a lot I am proud of over my 22 years at Qantas, including the past 15 years as CEO. There have been many ups and downs, and there is clearly much work still to be done, especially to make sure we always deliver for our customers. But I leave knowing that the company is fundamentally strong and has a bright future."</p> <p>Qantas Chairman Richard Goyder expressed gratitude to Joyce for his years of service and leadership but acknowledged that the transition is occurring during a challenging period for Qantas.</p> <p>Joyce's decision to step down came shortly after the Australian Competition and Consumer Commission initiated legal action against the airline, accusing it of selling tickets for over 8,000 flights scheduled between May and July of the previous year, even after those flights had been cancelled.</p> <p><em>Image: Getty</em></p>

Legal

Placeholder Content Image

Major fuel savings for seniors

<p>Major fuel savings are now on offer for over 1.6 million seniors over the age of 60 across New South Wales, as the government adds fuel discounts to the list of benefits for NSW Seniors Card and Senior Savers Card holders. </p> <p>Senior card holders will be eligible for the new United Discount Fuel Card, which offers savings of 4c per litre at participating service stations, which can be used once daily for single transactions up to 150 litres. </p> <p>Anyone over 60 can become cardholders of the Seniors Card and Senior Savers Card, which allows them to save on fuel, energy, insurance, cybersecurity, pet adoption and vet services, and groceries.</p> <p>United Petrol head of loyalty Judith Russell said that after they've signed up for the card, “members then need to show and scan this United fuel discount card at the time of purchase at participating United service stations to save the four cents per litre.”</p> <p>The Minister for Seniors Jodie Harrison shared their excitement to launch this discount. </p> <p>"We’re excited to launch the program’s first fuel discount with United Petroleum, an Australian-owned business offering discounts to members at the bowser.”</p> <p>“This brand-new discount has been added to the wealth of Seniors Card savings to help keep more money in seniors’ pockets and ease price pressure at the pump.”</p> <p>For those who want to apply for the fuel card, they can <a href="https://www.unitedpetroleum.com.au/fuel-discount-cards/our-partners/nsw-seniors-card/" target="_blank" rel="noopener">sign up here </a>for a digital or plastic card, and find out the participating service stations here. </p> <p><em>Image: Getty</em></p>

Money & Banking

Placeholder Content Image

"Family always first": Block judge reveals real reason for sudden departure

<p>Neale Whittaker has shared his frustrations over the premier episode of the new season of <em>The Block</em>, saying a vital piece of information was edited out. </p> <p>Audiences were shocked on Sunday night when Neale told his fellow judges Shaynna Blaze and Darren Palmer that he had some important news to tell them before commencing their judging duties. </p> <p>Visibly emotional, he confessed that he would be “breaking up the band,” and wouldn’t be able to join them as a full-time judge this season, saying he "can't be here every weekend this year". </p> <p>His longtime colleagues embraced him and told him he had their full support, and then the moved on to judging rooms, with viewers not told the reason for Whittaker’s decision.</p> <p>After the episode aired, Neale took to Instagram to share his frustrations with the edit, and shared the reasoning behind his impending absence to his followers. </p> <p>Sharing a clip of the moment as it went to air, he wrote, “There’s nothing more frustrating than an unexplained decision or an incomplete narrative – especially where health and family are concerned."</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/p/Cvnn9S-vkXO/?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/p/Cvnn9S-vkXO/?utm_source=ig_embed&amp;utm_campaign=loading" target="_blank" rel="noopener">A post shared by NEALE WHITAKER (@nealewhitaker)</a></p> </div> </blockquote> <p>“This is what went to air tonight on the first episode of <em>The Block</em>’s 19th season, my 17th. I broke the news to Shaynna and Darren that I would be unable to join them each week and explained my reasons. It was an emotional conversation for all of us. Unfortunately those important reasons didn’t make the cut so here goes.”</p> <p>Whittaker explained that he’d “chosen to put family first,” and support David, his partner of 20 years, through “some serious and ongoing health issues.”</p> <p>“Melbourne real estate expert Marty Fox will be standing in for me on the weeks I can’t be there, but I’ll still be popping up from time to time over the next 12 weeks. The good news is that David is making great progress, my <em>Block</em> family has been fully supportive of my decision and I’m looking forward to returning to The Block full time for the show’s 20th anniversary season in 2024,” he continued.</p> <p>The post was flooded with comments of support and well wishes, with previous <em>Block</em> contestants Elise and Matt writing, "Family always first buddy ❤️ when we all heard the news we put David straight into our prayers ❤️❤️❤️ we hope he’s on this way to a full recovery."</p> <p>Another fan wrote, "Family is so important Neale! I’ll be waiting to see you pop in, over the next 12 weeks."</p> <p><em>Image credits: Getty Images</em></p>

TV

Placeholder Content Image

Cash could be almost gone in Australia in a decade – but like cheques, who’ll miss it?

<p><em><a href="https://theconversation.com/profiles/peter-martin-682709">Peter Martin</a>, <a href="https://theconversation.com/institutions/crawford-school-of-public-policy-australian-national-university-3292">Crawford School of Public Policy, Australian National University</a></em></p> <p>Late last year, the Reserve Bank gave 1,000 Australians diaries and asked them to record every payment they made over the course of a week. Of the 13,000 payments, only <a href="https://www.rba.gov.au/publications/bulletin/2023/jun/consumer-payment-behaviour-in-australia.html">17</a> were with cheques.</p> <p>It’s been an astounding collapse. Back in 1980 at the start of the credit card era, <a href="https://www.rba.gov.au/publications/bulletin/1996/oct/pdf/bu-1096-2.pdf">85%</a> of non-cash payments were made with cheques. Today it’s less than <a href="https://www.rba.gov.au/publications/bulletin/2023/jun/consumer-payment-behaviour-in-australia.html">0.1%</a>.</p> <p>Earlier this month, the government announced it was following <a href="https://www.justice.govt.nz/about/news-and-media/news/the-ministry-is-phasing-out-payment-by-cheque/">New Zealand</a>, Denmark, the Netherlands and <a href="https://www.sbs.com.au/news/article/the-death-of-the-cheque-book-australia-to-phase-out-cheques/qu0e4xf55">others</a>, closing our cheque system down by <a href="https://ministers.treasury.gov.au/ministers/jim-chalmers-2022/media-releases/modernising-payments-infrastructure-phasing-out-cheques">2030</a>.</p> <p>Meanwhile, New Zealand is already on to the next thing. Having <a href="https://www.stuff.co.nz/business/300011579/bnz-anz-westpac-to-phase-out-cheque-use">phased out cheques</a>, it’s now looking at winding down the use of <a href="https://www.rbnz.govt.nz/-/media/project/sites/rbnz/files/research/future-of-cash-issues-paper.pdf">cash</a>.</p> <p>So how close is Australia now to becoming a cash-free nation?</p> <h2>The hidden costs of cheques and cash</h2> <p>Cheques are horrendously expensive to process. The average cost of everything that had to happen to process a cheque exceeds <a href="https://www.rba.gov.au/publications/rdp/2014/pdf/rdp2014-14.pdf">$5</a> per payment, mostly borne by banks.</p> <p>But cash is expensive in its own way. The average cost of creating, sorting and trucking all those sheets of plastic and coins exceeds <a href="https://www.rba.gov.au/publications/rdp/2014/pdf/rdp2014-14.pdf">50 cents</a> per payment, mostly passed on to banks and retailers, and it is soaring as the number of payments plummets.</p> <p>As recently as 2007, the vast bulk of consumer payments – 69% – were in cash. By 2019 only 27% were in cash. By 2022, after two years of COVID, it was only <a href="https://www.rba.gov.au/publications/bulletin/2023/jun/consumer-payment-behaviour-in-australia.html">13%</a>.</p> <p>At this rate, it’s hard to be certain how long cash will last.</p> <h2>What made cheques so slow and costly</h2> <p>For those who’ve never had to write one, cheques are bank-issued pieces of paper on which the owner writes the name of the person they want the bank to pay and the amount. They they hand it to that person, who then hands it to their bank, which then tries to get the money from the payer’s bank.</p> <figure class="align-right "><figcaption></figcaption></figure> <p>Behind the scenes, until recently when the electronic transmission of digital images changed things, each bank would collect all the cheques that had been presented to its branches each day and sort them into bags, one for each originating bank.</p> <p>Then, late at night, its “bag man” would travel to a nondescript city location with a bag for each bank, hand the correct one to each of the other bagmen, and be given bags in return, which the bagman would take back to the bank for signature checking.</p> <p>When each bank worked out what it owed the other bank, they would usually discover the flows largely cancelled each other out, and then make net payments which would be reflected in the cheque-writer’s account, up to five business days later.</p> <p>Always expensive, the cost per cheque grew and grew as the number of Australians paying with cheques dwindled to a fraction of what it had been.</p> <h2>How moving cash became a loss-making business</h2> <p>It’s the same sort of story with cash. Although we don’t often think about it, cash costs an awful lot to move, sort and restock.</p> <p>Printing the notes still makes money – it costs about 32 cents to make each note, whether it’s worth $5 or $100, although making some coins now <a href="https://theconversation.com/the-mint-and-note-printing-australia-make-billions-for-australia-but-it-could-be-at-risk-190901">loses money</a>.</p> <p>The real expense is in moving notes and coins around, keeping them nearby and restocking banks and cash registers. Aside from payments the Reserve Bank makes to banks for returning damaged notes, the banks (and, through them, the retailers) are expected to pay for the lot.</p> <p>Until recently that gave the two firms that dominate the business (Linfox Armaguard, and Prosegur, which owns Chubb Security) a pretty good deal.</p> <p>Except that the volume of cash they’ve carried has dived <a href="https://www.accc.gov.au/system/files/public-registers/documents/Application%20for%20merger%20authorisation%20-%2027.09.22%20-%20PR%20VERSION%20-%20MA1000022%20Armaguard%20Prosegur.pdf">47%</a> over the past ten years, 30% of it during COVID.</p> <p>Both firms say their money-moving arms are incurring “heavy financial losses” and that if they increase their prices much more, retailers might move even <a href="https://images.theconversation.com/files/532829/original/file-20230620-48940-4a5amn.PNG">further away from cash</a>, pushing their costs even higher.</p> <figure class="align-right zoomable"><figcaption></figcaption></figure> <p>Last week, the Competition and Consumer Commission allowed them to <a href="https://www.accc.gov.au/public-registers/mergers-registers/merger-authorisations-register/linfox-armaguard-pty-ltd-and-prosegur-australia-holdings-pty-ltd-proposed-merger">merge</a> on the condition that they limit their price increases to the consumer index plus 7.5% per year. That increase is so steep as to suggest a <a href="https://www.energynetworks.com.au/news/energy-insider/the-death-spiral/">death spiral</a>: the more they charge, the less retailers will use cash, the more they’ll have to charge.</p> <p>The only way out, unless they can make really big efficiencies, or unless the decline in the use of cash stops, would be for the government to return to subsidising the use of cash. It’s hard to see how it could make the case to do that when there are cheaper emerging technologies.</p> <p>Bank transfers cost a <a href="https://www.rba.gov.au/publications/rdp/2014/pdf/rdp2014-14.pdf">mere fraction</a> of using cash, and pretty soon we’ll be able to use them for everything, via things such as <a href="https://www.mobiletransaction.org/qr-code-payment-works/">QR codes</a>.</p> <h2>So when will cash go the way of cheques?</h2> <p>A previous federal government has already tried to eliminate the use of cash for transactions worth more than $10,000, as part of its attack on the black economy.</p> <p>Announced in 2016 by the Turnbull Coalition government, the ban was due to come into force in <a href="https://ministers.treasury.gov.au/ministers/kelly-odwyer-2016/media-releases/tackling-illegal-behaviour-black-economy">2019</a>. But, after delays, in 2020 the Morrison-led Coalition government <a href="https://www.abc.net.au/news/2020-12-07/cash-ban-law-10000-dollars-abandoned-amid-covid-crisis/12951720">backed down</a>.</p> <p>If Australia wants to ban cash (and ban it for small transactions too – cash is now used less than cards for transactions <a href="https://www.rba.gov.au/publications/bulletin/2023/jun/cash-use-and-attitudes-in-australia.html">of all sizes</a>) the easiest solution might be simply to wait.</p> <hr /> <p><iframe id="HykMF" class="tc-infographic-datawrapper" style="border: none;" src="https://datawrapper.dwcdn.net/HykMF/10/" width="100%" height="400px" frameborder="0"></iframe></p> <hr /> <p>Cards are now the dominant means of exchanging money, and electronic transfers are growing from a small base.</p> <p>Pure extrapolation would suggest cash has less than a decade to go, but it will probably hang around for longer as an (expensive, little-used) backup that maintains privacy.</p> <p>Like cheques, cash will probably die <a href="https://quoteinvestigator.com/2018/08/06/bankrupt/">gradually, then suddenly</a>. By the time it does, there will be few users left who care.<!-- 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/208020/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/peter-martin-682709">Peter Martin</a>, Visiting Fellow, <a href="https://theconversation.com/institutions/crawford-school-of-public-policy-australian-national-university-3292">Crawford School of Public Policy, Australian National University</a></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/cash-could-be-almost-gone-in-australia-in-a-decade-but-like-cheques-wholl-miss-it-208020">original article</a>.</em></p>

Money & Banking

Our Partners