Search

New research calls for later-in-life driving lessons

New research has shown that older drivers should be coming forward to test and update their driving skills to keep people safer on the road, and keep senior drivers behind the wheel for longer. A new website launched by the University of New South Wales (UNSW) and neuroscience institute NeuRA aims to help drivers aged in their 50s and above stay safe when driving, while also helping to update their skills to keep them on the roads for longer. Cognitive aging expert and UNSW professor Kaarin Anstey told <a href="https://www.9news.com.au/national/how-old-is-too-old-to-drive-in-australia-new-research-shows-ageing-motorists-should-have-driving-lessons/6a470fa9-f0c3-4571-a229-672e689f1e76" target="_blank" rel="noopener">9News</a> later-in-life driving lessons were crucial as our population grows and ages. "We obviously want people to stay on the road as long as it's safe for them to do so. And that's the issue: they have to be safe on the road," Anstey explained. "That's the point of the website, to empower older drivers, family members and health professionals." "We've been working on this issue of older drivers for over 20 years because the second biggest cause of injury in older adults is motor vehicle accidents or crashes (after falls)." Anstey said her research in <a href="https://www.unsw.edu.au/newsroom/news/2024/11/should-age-determine-how-long-drive-car" target="_blank" rel="noopener">The Better Drive Study</a> analysed how the driving habits of older motorists changed if they had a refresher course. "A lot of people got their licence in an era where the cars were different, the roads were different, the road rules were different," she said. "We just feel there's a certain amount of improvement that probably all of us, not just the older age group but lots of people, could benefit in refreshing their driving skills." Anstey's pilot study, that followed motorists aged over 65 over 12 months, found older people were more likely to develop bad habits such as not checking blind spots or not keeping up to date with key road rules. She said people who did the driving lessons had a "big improvement" in their safety on the road. Later-in-life lessons could also identify if a person should be looking at giving up their licence, as Anstey added, "Sometimes there's people who we find who are not very safe drivers, or who have an impairment that they may not have been aware of." When asked what they thought of the initiative, some older drivers told 9News, "I think it's a good idea, there are some older people who definitely need a refresher but there are some that are still quite good." "I'd rather not go through those grills but I guess for everyone's safety it's a very good thing," another added. Image credits: Shutterstock

Travel Trouble

"I’m coming home from a party, and I don’t want to end up getting arrested": do driving apps help people break road rules?

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/verity-truelove-1237331">Verity Truelove</a>, <a href="https://theconversation.com/institutions/university-of-the-sunshine-coast-1068">University of the Sunshine Coast</a>; <a href="https://theconversation.com/profiles/michelle-nicolls-1299069">Michelle Nicolls</a>, <a href="https://theconversation.com/institutions/university-of-the-sunshine-coast-1068">University of the Sunshine Coast</a>, and <a href="https://theconversation.com/profiles/oscar-oviedo-trespalacios-1417150">Oscar Oviedo-Trespalacios</a>, <a href="https://theconversation.com/institutions/delft-university-of-technology-1040">Delft University of Technology</a> Apps such as Google Maps, Apple Maps and Waze can tell drivers when they are approaching speed cameras or random breath testing stations. Countries such as Germany, France and Switzerland have banned apps from displaying these enforcement locations. But what effect are these apps having in Australia – are they helping drivers break road rules? Our new <a href="https://www.sciencedirect.com/science/article/pii/S0925753524002972">paper</a>, published in the journal Safety Science, examined this question. We found this technology can, in some cases, contribute to people thinking they are invincible on the roads. However, we also found they can sometimes help people drive more safely. <h2>Being made aware of enforcement can help road safety</h2> We conducted focus groups and interviews with a total of 58 drivers from Queensland, to understand how the use of this technology influences perceptions of being caught for breaking road rules. One driver told us: "If I know it’s coming up, I’ll put my phone down. If I was, say, texting or checking something, but then like once a good few 100 metres away, I sort of pick it up again, depending though." Another said: "It sort of depends where I am driving, I guess. Like, if I am driving on a country road and there is a speed camera there I would probably slow down for the speed camera and then sort of speed up again once I am sort of past that; it sort of depends on the circumstances." We also found that, for some people, being made aware of enforcement locations can help drivers better regulate their speed. This helped them comply with road rules more consistently. Waze also shows the speed limit in the area, which further assisted some drivers to stick to the speed limit. One driver told us: "I’m a bit careful if I just look at the speedo and just double check that I’m on the right amount of speed." Another said: "It just gives you a warning like, ‘OK, you need to check your speed.’ Just to double-check you’re going on the right speed perhaps or when it’s a camera coming up." <h2>Concerning behaviours</h2> Concerningly, we also found some drivers who use these apps are looking at and touching their screens more than they otherwise would. This can distract drivers and increase their <a href="https://www.sciencedirect.com/science/article/pii/S0925753524001097">risk of crashing</a>. One driver told us they post traffic updates on the app they use while driving, “which I know is wrong.” Another said: "Just hit the button on the phone. Just two steps after I go past the camera." Another driver told us: "It’s so helpful […] Especially if it’s, say, late night and I’m coming home from a party, and I don’t want to end up getting arrested." One driver said: "I probably feel slightly more invincible, which is probably not a good thing." When asked why these apps are used, one driver said: "I guess the drug and the drink-driving." <h2>Apps can help and hinder road safety</h2> We know breaking road rules significantly contributes to <a href="https://www.who.int/teams/social-determinants-of-health/safety-and-mobility/global-status-report-on-road-safety-2023">crashes and road fatalities</a>, with deaths on Australian roads continuing to <a href="https://www.bitre.gov.au/publications/ongoing/road_deaths_australia_monthly_bulletins">increase</a> over time. On the one hand, when drivers are aware of enforcement measures like cameras and police, they are more likely to stop breaking the rules in those areas. That’s particularly true for behaviours such as speeding and using a phone while driving, we found. Using apps that flag where cameras and police are located also means drivers would be more exposed to enforcement activities than they otherwise would be on a normal drive. On the other hand, our results suggest some drivers are using these applications to break road rules more often in places where they think they won’t be caught. These apps are also not always completely accurate. For instance, even though Waze can display some police operation locations such as roadside breath testing, it can’t capture all on-road police activities. Further, camera locations are not always up to date or accurate. <h2>Weighing benefits against risks</h2> While these apps do have some benefits, it’s important to weigh these against the risks. It’s also important to recognise traffic enforcement isn’t just there to make you comply with road rules at a specific point; it is meant to remind you of the constant risk of being caught and to encourage consistent rule compliance. The goal is to ensure that drivers are following the traffic rules across the entire network, not just in isolated spots. With road fatalities at some of the <a href="https://www.bitre.gov.au/publications/ongoing/road_deaths_australia_monthly_bulletins">highest rates we’ve seen in recent years</a>, we need everyone to work together to stop more preventable deaths and injuries.<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/237664/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/verity-truelove-1237331">Verity Truelove</a>, Senior Research Fellow in Road Safety Research, <a href="https://theconversation.com/institutions/university-of-the-sunshine-coast-1068">University of the Sunshine Coast</a>; <a href="https://theconversation.com/profiles/michelle-nicolls-1299069">Michelle Nicolls</a>, PhD Candidate, <a href="https://theconversation.com/institutions/university-of-the-sunshine-coast-1068">University of the Sunshine Coast</a>, and <a href="https://theconversation.com/profiles/oscar-oviedo-trespalacios-1417150">Oscar Oviedo-Trespalacios</a>, A/Professor Responsible Risk Management, <a href="https://theconversation.com/institutions/delft-university-of-technology-1040">Delft University of Technology</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/im-coming-home-from-a-party-and-i-dont-want-to-end-up-getting-arrested-do-driving-apps-help-people-break-road-rules-237664">original article</a>. </div>

Legal

Readers response: What are your driving pet peeves?

When it comes to reckless driving, some specific actions can make anyone irate. We asked our readers what their driving pet peeves are, and the response was overwhelming. Here's what they said. Robyn Kay - People who don’t indicate! And people who don’t know the road rules, and red light runners. Clay Lorraine Sumsion - People who reverse out of a car parking space at a shopping centre when you are going past and think they have the right of way! Karen Ambrose - When I’m diligently sticking to the speed limit on the highway and they keep whizzing past me. Oh well, they can get booked and I’ll be laughing. Barbara Belmonte - (1) motorists who leave about 2 car lengths from the car in front at traffic lights preventing those who want to turn left. (2) motorists who don't know how to use roundabouts. Ruth Hourigan - Drivers who drive 10 to 15 km hour under the speed limit then speed up to 5km hour over the speed limit the second you come to an overtaking lane. Dotty Weary - People who daydream at traffic lights!!! Dorrise Humes - Drivers who have their lights on high beam in lit up areas, especially in the city. Jo Pollock - People driving too close behind me. It just makes me slow down. Helen Johnson - Leaving trolleys in parking bays at supermarkets. Judi Saunders - Tailgaters and drivers who weave in and out of all lanes. Susan Vemer - People who don't use their indicators properly! Image credits: Shutterstock

Legal

Simon Baker charged with drink driving offences

The Mentalist star Simon Baker has been charged with two drink driving related offences. The 55-year-old is set to appear in Mullumbimby Local court next month in northern NSW, and he was charged with “attempt to drive while under influence of alcohol – first offence” and “drive vehicle under influence of alcohol – first offence”. He was granted bail with no conditions. The Hollywood actor has been nominated for a TV Week Logie Award on Sunday night for his leading role in the Netflix adaptation of Australian author Trent Dalton's Boy Swallows Universe. The hit Netflix series has been nominated for 11 awards - the most of any other actor or show. The actor earned a star on the Hollywood Walk of Famefor his portrayal of Patrick Jane in The Mentalist between 2008 and 2015. He has also won multiple AACTA awards and been nominated for Emmy and Golden Globe awards. Baker's career began in Aussie soaps like E Street, A Country Practice and Home and Away. He has also featured in movies including LA Confidential, The Devil Wears Prada, and earlier in his career featured in the original Heartbreak High. The actor split with his wife Rebecca Rigg in 2021 following 23 years of marriage, and the pair have three children and own a property together in Nashua, near Byron Bay. Images: Jean Cummings/THA/ Shutterstock editorial

Legal

Man fined $7000 for driving offences he did not commit

A New South Wales man has copped $7000 in fines and lost his licence, after he was fraudulently nominated for 14 driving offences by a woman in Victoria. Speaking to 2GB, Ross claimed he was falsely nominated through cars registered to two companies in Victoria, and shared an image of the woman behind the wheel. "I haven't been to Victoria in the last five years and I haven't driven a car in Victoria in the last five years," he told host Ben Fordham. "It's not me." Fordham then questioned whether he had "flowing long hair" as seen on the driver, to which he replied: "I don't, unfortunately. It's short hair." Ross, whose licence has been suspended, has been trying to clear the offences from his name. He has spoken to several government departments in both states including Service NSW and Vic Roads, submitted statutory declaration, police report, request of an extension and a nomination statement, to no avail. "I've tried to highlight that I'm a male and she is a female but it's still ongoing," Ross said. "It's a very convoluted process. "When someone assumes your identity in a fraudulent manner, it's no easy feat kind of getting it back." Fordham, who said the situation was "unbelievable", promised to step in and solve the matter for Ross within 24 hours, saying that they'll discuss this again tomorrow. Image: Nine

Legal

Motorist fined $387 for "handling wallet" while driving

A motorist has collapsed after receiving a fine for $387, in which the fine claims he was holding his phone while driving. Sydney man Husni Tarmizi opened the infringement notice with his 62-year-old dad on Tuesday and admitted he was both "surprised" and "panicked" by the fine, leaving Husni to pick his father up off the floor after he collapsed from shock. Husni was confused by the fine, which also cost his dad 10 demerit points, as his father is rarely on his phone, and decided to take a closer look at the image captured by the mobile detection camera. "I went to the computer and downloaded the image and I could see clearly that it's a wallet [in his hand], you can see his phone is in the cradle," he told <a href="https://au.news.yahoo.com/driver-fined-387-and-cops-10-demerit-points-for-handling-wallet-while-driving-073557336.html" target="_blank" rel="noopener">Yahoo News</a>. "In his left hand you can see the wallet and his right hand he's holding a $50 bill." Husni continued, "He was quite panicked, especially with the 10 demerit points... and I was scared a bit because he has a heart condition." The 62-year-old man said he recalls holding onto his wallet and the $50 note to pay for petrol over the Easter long weekend, which explains the hefty loss of demerit points. Tarmizi confirmed he has already appealed the infringement and is awaiting a response after people urged him to dispute it. "I've also written an appeal, it's called a review request, we'll see how that goes," he said. "For the older generation where they don't understand the technologies and stuff, it's scary." Image credits: Husni Tarmizi

Legal

AFP commander resigns after drink driving accident

Former Australian Federal Police commander Danielle Anne Woodward has resigned after she drunkenly crashed her car into a tree following a police function in Canberra. The Olympic medalist pleaded guilty to a drink driving charge in the ACT Magistrates Court after blowing nearly three times the legal limit in November 2023. Woodward had attended an end-of-year function on the night of the accident, and intended to walk home or catch an Uber, but felt unwell after drinking champagne, so she decided to take the short drive back home. However, she crashed into a tree on her way home causing “extensive front-end damage” to her Mercedes-Benz. After getting help from members of the public, she immediately reported the incident to her supervisor and told him she had alcohol in her system. She also reportedly co-operated with lower-ranking officials who attended the scene, with the defence saying that she was "frank in her submission". "She was certainly not belligerent," Woodward's lawyer Michael Kukulies-Smith told the court. She was then arrested and taken to the police station for a breath analysis, which came back with a reading of 0.148. A police statement of facts also said that officers found Woodward with a flushed face and sleepy, watery eyes. “Police could smell a strong odour of intoxicating liquor emanating from [Woodward] and formed the opinion that [she] was well under the influence,” the statement of facts read. The court also heard that Woodward had been experiencing a "high level" of stress from her job, so had "at times resorted to alcohol, in a way she has been able to control." "The offending conduct is not only out of character … [but] her actions are usually the complete opposite. They're usually designed to benefit and protect the community," prosecutor Samuel Carmichael said. Woodward's lawyer asked Chief Magistrate Lorraine Walker to record a non-conviction, as this was a "one off" offence, and the media coverage of the accident had already caused her "an unusual degree of reputational damage", which has impacted her mental health and career. While Magistrate Walker agreed to a non-conviction, she said that a general deterrence still needed to be served, with Woodward disqualified from driving for six months, taking into account a 90-day immediate suspension notice that was issued after the crash. The Chief Magistrate told the court: "What ultimately influences me … is Ms Woodward is a woman suffering from ill health. "It is often people of good standing in this community … who find themselves before the court for this type of offence." She also said that Woodward had shown “obvious and palpable” remorse, and was not someone who would ordinarily demonstrate “this level of stupidity”. Woodward was a highly decorated police officer who worked for the AFP for almost four decades. She became a commander in 2022 and received a Medal of the Order of Australia (OAM) in 2002. In 2020 she was awarded the Australian Police Medal in the Australia Day honours. Prior to her role in the AFP, she was a a triple Olympian in slalom canoeing and won a silver medal at the 1992 Barcelona Olympics. Image: ABC News

Legal

Channel 10 newsreader admits to driving while four times over the legal limit

Natasha Exelby, a well-known journalist and former Channel 10 newsreader, recently found herself in the spotlight for an entirely different reason than her on-air mishap in 2017. On a fateful day last June, she was involved in a drink driving incident in Toorak, Melbourne. This incident marked a low point in her life, but it also sheds light on the profound impact of mental health struggles and the road to recovery. Exelby, 34, appeared before the Melbourne Magistrates' Court and made a candid admission: she had driven while suspended and under the influence of alcohol, registering a blood alcohol concentration of .220, over four times the legal limit. She narrowly escaped conviction but didn't escape the consequences of her actions. In her statement to the <a href="https://www.heraldsun.com.au/truecrimeaustralia/police-courts-victoria/journalist-natasha-exelby-busted-drink-driving-after-crashing-into-parked-car-while-four-times-over-legal-limit/news-story/f710cdbc849622fb4e298b61c049c1f3" target="_blank" rel="noopener">Herald Sun</a>, Exelby took full responsibility for her actions, citing her ongoing battle with major depression and post-traumatic stress disorder. She courageously acknowledged her struggles and the role they played in her regrettable choices that day. "It's no secret that I've suffered from major depression and post-traumatic stress disorder for many years," she said. "At the time of the incident, I was going through a very dark period with multiple medication changes. Never in my life did I think I would be capable of what happened but regardless of my mental health, my actions were shocking beyond words and I take full responsibility." Her journey towards this dark moment was marked by openness about her mental health. In September 2022, she appeared on Studio 10, where she revealed the depths of her internal battles. She discussed experiencing episodes of inexplicable crying, a common symptom of depression. This revelation was crucial in the context of R U OK? Day, emphasizing the importance of checking on the well-being of those around us. Natasha's admission serves as a stark reminder that mental health issues are every bit as valid as physical ailments. She compared her experience with depression to "drowning" and disclosed that she had been on medication and in therapy for major depression for years. Her message is clear: it's okay to seek help when battling these internal demons, and recovery is possible, even if it's a long and winding road. Exelby's struggle with mental health is by no means a recent development. She revealed that she had been dealing with major depression since the age of 15, highlighting the enduring nature of the condition. Her story is an inspiration for others who are going through similar challenges, proving that there is light at the end of the tunnel, even when it feels like the journey will never end. Before her battle with depression and her recent legal troubles, Exelby made headlines in 2017 for an <a href="https://www.news.com.au/entertainment/tv/flashback/one-year-later-why-natasha-exelby-isnt-haunted-by-abc-blooper/news-story/24398919d522c0029e6d7963f165897d" target="_blank" rel="noopener">on-air gaffe</a> during an ABC news broadcast. Despite the initial shock, she took the incident in stride, even finding humour in it and acknowledging the role that social media and celebrities like Russell Crowe played in making the video go viral. It was a moment of resilience and self-awareness that foreshadowed her future ability to face her own mental health struggles. Exelby's open honesty, her admission of her mistakes and her ongoing battle with mental health challenges is a reminder that anyone can face difficulties, regardless of their public persona. By sharing her experiences, Exelby is contributing to the ongoing conversation about mental health, helping to break down the stigma that often surrounds it. Images: Instagram

Legal

10 driving tips to stay safe in wet weather

Driving in the rain? Follow these tips for safe driving in wet weather This should go without saying, but reducing your speed – as long as you continue to keep with the flow of traffic, of course – is imperative when driving in the rain. After all, between the downpour and spray from other vehicles, heavy rain reduces visibility in all directions, and you need more time to react. Keep your distance Driving in the rain can be hazardous, and if ever there is an incident that requires you – or the driver in front you – to brake unexpectedly, you’ll want to have ample stopping distance on wet roads. Avoid heavy breaking While driving in the rain, you may find yourself in situations – whether you’re hydroplaning or finding yourself in a skid – that will tempt you to hit the brakes abruptly. Do your best to curb that impulse. Brakes can be affected greatly by water, losing a bit of their power when wet, which can be disastrous in an emergency. Easing off the brakes, slowing down and maintaining control of your vehicle is your best bet. Keep both hands on the wheel Control is of utmost importance when driving in the rain. After all, you need to be in command of your vehicle should an incident occur, and having both hands on the wheel while driving in the rain (no snacking or fiddling with the radio!) will ensure you can get out of a sticky situation quickly and efficiently. Keep windows from fogging up When driving in rain, windows tend to fog up as a result of the difference in temperatures inside and outside the car and can lead to decreased visibility. To stay safe and avoid accidents, simply press your car’s defrost button to clear-up the window. Turn on your A/C or roll down the windows by a couple of centimetres to remove the humidity from the vehicle and lower the temperature inside the car. If the issue persists, you may want to purchase a windshield cleaner and defogger. Beware of hydroplaning Hydroplaning happens when your car travels above the water without touching the ground. Given that a driver is left with little-to-no grip with the road and, thus, less control, this can be a dangerous set of circumstances. If you find yourself in such a situation, stay calm, ease off the brakes and do not turn your steering wheel; let your car slow down and the tires reattach to the road surface. Avoid puddles Windshield wipers should always be in working condition. Be vigilant about replacing them once per year, or whenever they start to leave streaks on the glass. Having wipers blades in tip-top shape ensures the best possible visibility when driving in the rain. Stay home if you can If you have no choice but to head outside during a heavy downpour, be sure to follow these driving tips. However, if you don’t have anywhere pressing to be, consider staying home and waiting it out until the storm subsides. Keep your headlights on With wet weather often comes fog and overall gloominess. With your surroundings slightly darkened, turning on your headlights ensures that you can see the road in front of you, and that other drivers can see you. Ensure windshield wipers are in working order Windshield wipers should always be in working condition. Be vigilant about replacing them once per year, or whenever they start to leave streaks on the glass. Having wipers blades in tip-top shape ensures the best possible visibility when driving in the rain. Image credits: Getty Images This article originally appeared on <a href="https://www.readersdigest.com.au/food-home-garden/home-tips/10-driving-tips-to-stay-safe-in-wet-weather" target="_blank" rel="noopener">Reader's Digest</a>.

Travel Tips

5 money mistakes that drive experts crazy and what to do instead

Cost of living has hit us hard across the board, from interest rate rises through to inflation increasing the price of a weekly shop along with a range of goods and services. As a financial planner, I spend a lot of my time talking to clients about how to get the most value from their earnings. No matter the income level, there’s often key money mistakes people make that can have a real impact on their financial life in addition to the cost of living pressures. In good news, these can easily be fixed once you start paying attention to them. Let’s take a look at the 5 most common and how to solve them. Thinking too short term People generally spend more time on planning their holidays than to planning their financial lives. It's easy to fall into the trap of thinking to short-term. If we get paid weekly or fortnightly or monthly we tend to think about planning and spending in the same timeframe. There is real benefit though too having some medium and long term planning. Medium term planning is especially important for paying off debts and savings goals. Long term planning is especially important for your retirement planning including your superannuation and even paying off a home loan. So spend some time thinking about your medium and long term goals too. The average weekly wage in Australia is $1,769.80 per week. Over 12 months that is $92,029.60. Over a 45 year working life that amount is over $4.1 million. That’s a lot of income! Respect your earnings and make a plan to make the most of it, not only in the short term, but the medium and long term too. Not paying attention to your spending As a financial planner I’ve genuinely lost count of the number of clients I’ve had sitting across the desk from me who earn great money but don't know where a great deal if it goes. They earn a good wage and they have a sense that things are going OK, because they think too short term. They also don’t pay attention to their spending. As a result they miss out on medium and long-term opportunities to make the most of their earnings. Paying attention to your spending doesn't mean that you have to give up the things you love for example a morning coffee on your way to work either. Paying attention to your spending is not like being on a diet. It’s not about going without. It’s about making sure when you do spend your hard earned money you shop around to try and get the best value you can. Credit cards, loans, car insurance, mobile phones, electricity bills and health insurance are all regular expenses most people have. They should however never be set and forget. Find better value and pay attention to your spending. It will give you the opportunity to save and invest more and achieve your goals sooner. Being uninterested in interest rates Ask anyone with a home loan right now and they will tell you about the impact of rising interest rates on their life. Interest is the cost of money. If you’re a lender, it’s what you pay for borrowing money. It might be a short-term loan like a credit card, a medium-term loan like a personal loan for a car, or a long-term loan to help you buy a mortgage. If you’re an investor interest also matters. Let’s say you’ve saved $50,000 and were getting a 4% return, that’s an extra $2,000 a year on top of your current wage or salary. I’m sure there’s lots you could do with that money. Regardless if you’re a borrower or an investor, the interest rate you’re paying or earning matters. Over time, interest adds up. Over 5 years, for example, that $2,000 becomes $10,000, plus there’s interest earned on the interest too. If you’ve got debt pay it back as quickly as you can comfortably afford to. And if you’re about to get a debt, factor in a few additional interest rate rises. It is really important to make sure you stress-test your ability to pay back the loan under higher interest rates. Not keeping it real Most things we do in life have a financial consequence and it’s important to keep it real. I spend a great of my time as a financial planner asking people what really matters to them. Is life really about showing off to family and friends new purchases on Instagram? Probably not. Having a focus on your own goals makes a world of difference. It provides you with something that can drive you forward. One of the real dangers of the social media world we live in today, especially for younger Australians is the desire to keep up with their friends. What they often don’t see is the financial stress their friends are putting themselves under to have everything right now or the difficult conversations behind closed doors about how to keep it going or reduce the financial stress they’re not telling you about. Your only obligation in your adult financial life is to yourself, your spouse and your kids if you have them. Being overconfident is just as dangerous for your financial health as being too under confident in your financial life. Being overconfident may make you take too much risk. Being too conservative might mean you miss out on opportunities. At the end of the day you need to find the right balance for you and make sure the goals you set and the financial decisions you make are within your own comfort zone. Forgetting to reward and celebrate success along the way If you’re going to set yourself some medium and long-term goals, pay attention to your spending and interest rates as well as keeping it real, then you also need to reward yourself along the way. Rewarding yourself for achieving goals makes setting goals much easier. And if you’ve got medium and long term goals like paying off a car loan, paying down the mortgage or saving into super for your retirement, celebrate key milestones. For example it might be going out for a nice dinner or getting concert tickets for every $25,000 that’s saved into super or paid off a home loan. Your financial life done well shouldn’t be a chore or a bore. If it is you’re doing it wrong. Spend some time and energy to rethink your financial life, learn more about how money works and go forward more confidently to achieve your goals. Luke Smith is a licensed Australian financial planner and author of the new book, Smart Money Strategy – Your Ultimate Guide to Financial Planning (Wiley, $34.95), published by Wiley. Luke is also the host of the popular podcast ‘The Strategy Stacker – Luke Talks Money’ and appears every Friday afternoon on Canberra’s 2CC. Find out more at <a href="http://www.thestrategystacker.com.au">www.thestrategystacker.com.au</a> Image credits: Getty Images

Money & Banking

We were told we’d be riding in self-driving cars by now. What happened to the promised revolution?

According to <a href="https://electrek.co/2015/12/21/tesla-ceo-elon-musk-drops-prediction-full-autonomous-driving-from-3-years-to-2/">predictions</a> <a href="https://www.vanityfair.com/news/2016/09/lyfts-president-says-car-ownership-will-all-but-end-by-2025">made</a> nearly a decade ago, we should be riding around in self-driving vehicles today. It’s now clear the autonomous vehicle revolution was overhyped. Proponents woefully underestimated the technological challenges. It turns out developing a truly driverless vehicle is hard. The other factor driving the hype was the amount of money being invested in autonomous vehicle startups. By 2021, it was estimated more than <a href="https://www.washingtonpost.com/outlook/2022/02/04/self-driving-cars-why/">US$100 billion</a> in venture capital had gone into developing the technology. While advances are being made, it is important to understand there are multiple levels of autonomy. Only one is truly driverless. As established by <a href="https://www.sae.org/blog/sae-j3016-update">SAE International</a>, the levels are: <ul> <li> level 0 — the driver has to undertake all driving tasks </li> <li> level 1, hands on/shared control — vehicle has basic driver-assist features such as cruise control and lane-keeping </li> <li> level 2, hands off – vehicle has advanced driver-assist features such as emergency braking, adaptive cruise control, auto park assist and traffic-jam assist </li> <li> level 3, eyes off — vehicle drives itself some of the time </li> <li> level 4, mind off — vehicle drives itself most of the time </li> <li> level 5, steering wheel option — vehicle drives itself all the time. </li> </ul> <h2>Why the slow progress?</h2> It’s estimated the technology to deliver safe autonomous vehicles is about <a href="https://www.theguardian.com/technology/2022/mar/27/how-self-driving-cars-got-stuck-in-the-slow-lane">80% developed</a>. The last 20% is increasingly difficult. It will take a lot more time to perfect. Challenges yet to be resolved involve unusual and rare events that can happen along any street or highway. They include weather, wildlife crossing the road, and highway construction. Another set of problems has emerged since <a href="https://www.forbes.com/sites/simonmainwaring/2022/08/22/cruise-ride-hailing-goes-green-and-driverless/?sh=6a7439376843">Cruise</a> and <a href="https://www.theverge.com/2022/11/19/23467784/waymo-provide-fully-driverless-rides-san-francisco-california">Waymo</a> launched their autonomous ride-hailing services in San Francisco. The US National Highway Traffic and Safety Administration <a href="https://techcrunch.com/2022/12/16/cruises-autonomous-driving-tech-comes-under-scrutiny-from-safety-regulators/">opened an investigation</a> in December 2022, only six months after the <a href="https://www.theguardian.com/technology/2022/jun/03/california-driverless-taxi-cars-san-francisco">services were approved</a>. It cited incidents where these vehicles “may have engaged in inappropriately hard braking or became immobilized”. The San Francisco County Transportation Authority <a href="https://www.nytimes.com/2023/02/01/technology/self-driving-taxi-san-francisco.html" target="_blank" rel="noopener">stated</a>, "[I]n the months since the initial approval of autonomous taxi services in June 2022, Cruise AVs have made unplanned and unexpected stops in travel lanes, where they obstruct traffic and transit service and intrude into active emergency response scenes, including fire suppression scenes, creating additional hazardous conditions." In several cases, Cruise technicians had to be called to move the vehicles. <h2>What’s happening now?</h2> Active autonomous vehicle initiatives can be grouped into two categories: ride-hailing services (Cruise, Waymo and Uber) and sales to the public (Tesla). Cruise is a subsidiary of General Motors founded in 2013. As of September 2022, it operated 100 robotaxis in San Francisco and had plans to increase its fleet to 5,000. Critics said this would increase city traffic. Cruise also began to offer services in Chandler (a Phoenix suburb), Arizona, and Austin, Texas, in December 2022. Waymo, formerly the Google Self-Driving Car Project, was founded in January 2009. The company lost <a href="https://www.theverge.com/2022/11/11/23453262/waymo-av-driverless-taxi-phoenix-california-dmv-progress">US$4.8 billion in 2020 and US$5.2 billion in 2021</a>. Waymo One provides autonomous ride-hailing services in <a href="https://www.theverge.com/2023/2/28/23617278/waymo-self-driving-driverless-crashes-av">Phoenix as well as San Francisco</a>. It plans to expand into <a href="https://www.theverge.com/2022/10/19/23410677/waymo-los-angeles-autonomous-robotaxi-service-launch">Los Angeles</a> this year. Uber was a major force in autonomous vehicle development as part of its business plan was to replace human drivers. However, it ran into problems, including a crash in March 2018 when a self-driving Uber killed a woman walking her bicycle across a street in Tempe, Arizona. In 2020, Arizona Uber sold its AV research division to Aurora Innovation. But in October 2022 Uber got back into autonomous vehicles by <a href="https://www.forbes.com/sites/samabuelsamid/2022/10/06/motional-and-uber-announce-10-year-deal-to-deploy-automated-vehicles-in-multiple-us-markets/?sh=44d83a84273e">signing a deal</a> with Motional, a joint venture between Hyundai and Aptiv. Motional will provide autonomous vehicles for Uber’s ride-hailing and delivery services. Lyft, the second-largest ride-sharing company after Uber, operates in the US and Canada. Like Uber, Lyft had a self-driving unit and in 2016, Lyft co-founder John Zimmer <a href="https://www.vanityfair.com/news/2016/09/lyfts-president-says-car-ownership-will-all-but-end-by-2025">predicted</a> that by 2021 the majority of rides on its network would be in such vehicles (and private car ownership would “all but end” by 2025). It didn’t happen. By 2021, Lyft had also <a href="https://techcrunch.com/2021/04/26/lyft-sells-self-driving-unit-to-toyotas-woven-planet-for-550m/">sold its self-driving vehicle unit</a>, to Toyota. In 2022, Zimmer <a href="https://techcrunch.com/2022/10/20/lyft-co-founder-says-autonomous-vehicles-wont-replace-drivers-for-at-least-a-decade/">said</a> the technology would not replace drivers for at least a decade. However, Lyft did partner with Motional in August 2022 to launch <a href="https://www.prnewswire.com/news-releases/lyft-and-motional-deliver-the-first-rides-in-motionals-new-all-electric-ioniq-5-autonomous-vehicle-301606519.html">robotaxis in Las Vegas</a> and <a href="https://www.reuters.com/business/autos-transportation/lyft-motional-launch-robotaxi-service-los-angeles-2022-11-17/">Los Angeles</a>. Telsa is the <a href="https://www.ev-volumes.com/">world leader in sales</a> of battery electric vehicles. It also purports to sell vehicles with full automation. However, by the end of 2022, no level 3, 4 or 5 vehicles were for sale in the United States. What Telsa offers is a full self-driving system as a US$15,000 option. Buyers acknowledge they are buying a beta version and assume all risks. If the system malfunctions, Telsa does not accept any responsibility. In February 2023, the National Highway Traffic Safety Administration <a href="https://amp.theguardian.com/technology/2023/feb/16/tesla-recall-full-self-driving-cars">found</a>, "[Fully self-driving] beta software that allows a vehicle to exceed speed limits or travel through intersections in an unlawful or unpredictable manner increases the risk of a crash." This led to Tesla <a href="https://www.theguardian.com/technology/2023/feb/16/tesla-recall-full-self-driving-cars">recalling 362,000 vehicles</a> to update the software. Another setback for autonomous vehicle sales to the public was the October 2022 announcement that Ford and VW had decided to <a href="https://techcrunch.com/2022/10/26/ford-vw-backed-argo-ai-is-shutting-down/">stop funding autonomous driving technology company Argo AI</a>, resulting in its closure. Both Ford and VW decided to shift their focus from level 4 automation to levels 2 and 3. <h2>So, what can we expect next?</h2> Autonomous vehicle development will continue, but with less hype. It’s being recognised as more an evolutionary process than a revolutionary one. The increasing cost of capital will also make it harder for autonomous vehicle startups to get development funds. The areas that appear to be making the best progress are autonomous ride-hailing and heavy vehicles. Self-driving car sales to the public are <a href="https://www.drive.com.au/news/level-4-self-driving-technology-mercedes-benz/">further down the track</a>. This article originally appeared on <a href="https://theconversation.com/we-were-told-wed-be-riding-in-self-driving-cars-by-now-what-happened-to-the-promised-revolution-201088" target="_blank" rel="noopener">The Conversation</a>. Images: Getty

Technology

The wellbeing ‘pandemic’ – how the global drive for wellness might be making us sick

Are we in the midst of a wellbeing pandemic? The question may seem curious, even contradictory. But look around, the concept is everywhere and spreading: in the media, in government institutions and transnational organisations, in schools, in workplaces and in the marketplace. To be clear, it’s not just wellbeing’s infectiousness in public discourse that makes it pandemic-like. It’s also the genuine malaise that can be caused by the term’s misuse and exploitation. Do you sense, for example, that your wellbeing is increasingly being scrutinised by peers, managers and insurance companies? Are you noticing an increasing number of advertisements offering products and services that promise enhanced wellbeing through consumption? If so, you’re not alone. But we also need to ask whether this obsession with wellbeing is having the opposite to the desired effect. To understand why, it’s important to look at the origins, politics and complexities of wellbeing, including its strategic deployment in the process of what we call “<a href="https://otagouni-my.sharepoint.com/personal/jacst99p_registry_otago_ac_nz/Documents/Documents/SJ-Wellness/SJ-Conversation-Wellbeing/Jackson-Sam-Dawson-Porter-Frontiers-Sociology-Wellbeing-2022.pdf">wellbeing washing</a>”. <h2>The halo effect</h2> While concerns about wellbeing can be traced to antiquity, the term has emerged as a central feature of contemporary social life. One explanation is that it is often conflated with concepts as diverse as happiness, quality of life, life satisfaction, human flourishing, mindfulness and “wellness”. Wellbeing is flexible, in the sense that it can be easily inserted into a diverse range of contexts. But it’s also surrounded by a kind of halo, automatically bestowed with a positive meaning, similar to concepts such as motherhood, democracy, freedom and liberty. To contest the value and importance of such things is to risk being labelled a troublemaker, a non-believer, unpatriotic or worse. These days, there are two main concepts of wellbeing. The first – subjective wellbeing – emphasises a <a href="https://www.frontiersin.org/articles/10.3389/fsoc.2022.950557/full#B21">holistic measure</a> of an individual’s mental, physical and spiritual health. This perspective is perhaps best reflected in the World Health Organization’s <a href="https://www.corc.uk.net/outcome-experience-measures/the-world-health-organisation-five-well-being-index-who-5/">WHO-5 Index</a>, designed in 1998 to measure people’s subjective wellbeing according to five states: cheerfulness, calmness, vigour, restfulness and fulfilment. Translated into more than 30 languages, the overall influence of the WHO-5 Index should not be underestimated; both governments and corporations have embraced it and implemented policy based on it. But the validity of the index, and others like it, has been questioned. They’re prone to oversimplification and a tendency to marginalise alternative perspectives, including Indigenous approaches to physical and mental health. <h2>Individual responsibility</h2> The second perspective – objective wellbeing – was a response to rising social inequality. It focuses on offering an <a href="https://www.frontiersin.org/articles/10.3389/fsoc.2022.950557/full#B60">alternative to GDP</a> as a measure of overall national prosperity. One example of this is New Zealand’s <a href="https://www.treasury.govt.nz/information-and-services/nz-economy/higher-living-standards/our-living-standards-framework">Living Standards Framework</a>, which is guided by four operating principles: distribution, resilience, productivity and sustainability. These new and purportedly more progressive measures of national economic and social outcomes signal societal change, optimism and hope. The trouble with such initiatives, however, is that they remain rooted within a particular neoliberal paradigm in which individual behaviour is the linchpin for change, rather than the wider political and economic structures around us. Arguably, this translates into more monitoring and “disciplining” of personal actions and activities. Intentionally or not, many organisations interpret and use wellbeing principles and policies to reinforce existing structures and hierarchies. Consider how the wellbeing agenda is playing out in your organisation or workplace, for example. Chances are you have seen the growth of new departments, work units or committees, policies and programs, wellness workshops – all supposedly linked to health and wellbeing. You may even have noticed the creation of new roles: wellbeing coaches, teams or “champions”. If not, then “lurk with intent” and be on the lookout for the emergence of yoga and meditation offerings, nature walks and a range of other “funtivities” to support your wellbeing. <h2>Wellbeing washing</h2> The danger is that such initiatives now constitute another semi-obligatory work task, to the extent that non-participation could lead to stigmatisation. This only adds to stress and, indeed, unwellness. Deployed poorly or cynically, such schemes represent aspects of “wellbeing washing”. It’s a strategic attempt to use language, imagery, policies and practices as part of an organisation’s “culture” to connote something positive and virtuous. In reality, it could also be designed to enhance productivity and reduce costs, minimise and manage reputational risk, and promote <a href="https://otagouni-my.sharepoint.com/personal/jacst99p_registry_otago_ac_nz/Documents/Documents/SJ-Wellness/SJ-Conversation-Wellbeing/Jackson-Sam-Dawson-Porter-Frontiers-Sociology-Wellbeing-2022.pdf">conformity, control and surveillance</a>. Ultimately, we argue that wellbeing now constitutes a “field of power”; not a neutral territory, but a place where parties advance their own interests, often at the expense of others. As such, it’s essential that scholars, policymakers and citizens explore, as one author <a href="https://www.google.com.au/books/edition/Measuring_Wellbeing/lWBXjk1nocIC?hl=en&gbpv=1&dq=%E2%80%9Cwhat+and+whose+values+are+represented,+which+accounts+dominate,+what+is+their+impact+and+on+whom%E2%80%9D&pg=PA4&printsec=frontcover">put it</a>, “what and whose values are represented, which accounts dominate, what is their impact and on whom”. Because if wellbeing is becoming a pandemic, we may well need the “vaccine” of critical reflection. Image credits: Getty Images This article originally appeared on <a href="https://theconversation.com/the-wellbeing-pandemic-how-the-global-drive-for-wellness-might-be-making-us-sick-198662" target="_blank" rel="noopener">The Conversation</a>.

Caring

Why do people tailgate? A psychologist explains what’s behind this common (and annoying) driving habit

It’s hot, you’ve had a battle to get the kids in the car, and now you’re going to be late for the family lunch. You turn onto the freeway only to get stuck behind a slow driver in the fast lane. You want them to move over or speed up, so you drive a little closer. Then closer. Then so close it would be difficult to avoid hitting them if they stopped suddenly. When that doesn’t work you honk the horn. Nothing. Finally, frustrated, you dart into the left lane and speed past them. Today was one of those days where many small annoyances have led to you being aggressive on the road. This isn’t how you usually drive. So why was today different? <h2>Aren’t holidays supposed to be relaxing?</h2> Holiday driving may look a lot different to your usual commute. It may involve driving longer distances, or involve more frequent driving with more passengers than usual in the car. Holiday driving comes with <a href="https://www.bitre.gov.au/publications/ongoing/road_deaths_australia_monthly_bulletins">increased risk</a> (road deaths tend to spike during the holidays). That’s why news bulletins often carry the latest “road toll” figures around public holidays. But whether you drive differently to normal comes down to the value you place on your <a href="https://doi.org/10.1016/S0001-4575(03)00037-X">time</a>, rather than when you drive. If you are in a rush, your time becomes more precious because you have less of it. If something, or someone, infringes on that time, you may become frustrated and aggressive. This is basic human psychology. You can get angry when someone gets in the way of what you are trying to achieve. You get angrier when you think they are acting <a href="https://doi.org/10.1037/0033-2909.106.1.59">unfairly or inappropriately</a>. Usually before you respond, you evaluate what has happened, asking who is at fault and if they could have done things differently. But when you are driving, you have less time and resources to make detailed evaluations. Instead, you make quick judgements of the situation and how best to deal with it. These judgements can be based on how you are <a href="https://psycnet.apa.org/doiLanding?doi=10.1037%2F0022-3514.81.1.146">feeling</a> at the time. If you are frustrated before getting in the car, you are likely to be easily frustrated while driving, blame other drivers more for your circumstances, and express this through aggressive driving. Tailgating and speeding <a href="https://doi.org/10.1016/S0005-7967(01)00063-8">are examples</a> of this aggression. A driver frustrated by the perception that someone is driving too slowly, or in the wrong lane, might speed past the offending driver, and maintain this speed for some time <a href="https://doi.org/10.1080/02699931.2010.551184">after the event</a>. Aggressive tailgating may be seen as reprimanding the driver for their perceived slow speeds, or to encourage them to move out of the way. The problem is, when you are angry, you underestimate the risk of these behaviours, while <a href="https://psycnet.apa.org/doiLanding?doi=10.1037%2F0022-3514.81.1.146">over-estimating</a> how much control you have of the situation. It’s not worth the risk. A <a href="https://doi.org/10.1073/pnas.1513271113">study of real-world driving</a> shows both tailgating and speeding increase the odds of being in a crash more than if driving while holding or dialling a mobile phone. Drivers who are tailgating or speeding have a 13 to 14-fold increase in odds of being in a crash, compared to when they are driving more safely. <h2>Here’s what you can do</h2> One way to stay safe on the roads these holidays is to recognise the situations that may lead to your own dangerous behaviours. The Monash University Accident Research Centre has <a href="https://doi.org/10.1016/j.jsr.2022.07.011">developed a program</a> to help drivers reduce their aggressive driving. This helps drivers develop their own strategies to stay calm while driving, recognising that one strategy is unlikely to suit every driver. Almost 100 self-identified aggressive drivers <a href="https://www.sciencedirect.com/science/article/pii/S0022437522000998?via%3Dihub">developed</a> four types of tips to remain calm while driving: <ol> <li> before driving: tips include better journey planning, allowing enough time for the trip and recognising how you are feeling before you get in the car </li> <li> while driving: this includes travelling in the left lane to avoid slow drivers in the right lane, or pulling over when feeling angry </li> <li> in your vehicle: such as deep breathing or listening to music </li> <li> ‘rethinking’ the situation: acknowledge that in some situations, the only thing you can change is how you think about it. For example, ask yourself is it worth the risk? Or personalise the other driver. What if that was your loved one in the car in front? </li> </ol> Four months after completing the program, drivers reported less anger and aggression while driving than before the program. The strategies that worked best for these drivers were listening to music, focusing on staying calm and rethinking the problem. A favourite rethink was a 5x5x5 strategy. This involved asking yourself whether the cause of your anger will matter in five minutes, five hours or five days. If it is unlikely to matter after this time, it is best to let go. The holidays are meant to be relaxing and joyous. Let’s not jeopardise that through reactions to other drivers. Image credits: Getty Images This article originally appeared on <a href="https://theconversation.com/why-do-people-tailgate-a-psychologist-explains-whats-behind-this-common-and-annoying-driving-habit-193462" target="_blank" rel="noopener">The Conversation</a>.

Travel Trouble

Man beats mobile phone driving charge in “unusual” ruling

A Queensland man has had his charge of using a mobile phone successfully overturned in court - but the ruling could see state legislation changed to close any existing “loophole” that exists. Konrad Gordon Gallaher appeared in the Southport Magistrates Court last week to fight the charge from the transport department after he was photographed holding an electronic device while driving by traffic cameras. Mr Gallaher provided evidence that he was actually handling an Apple iPod, highlighting the fact that his mobile phone could be seen mounted on the dashboard in the photo. Showing the device in question to the court, he said it had “no phone functionality”. His evidence was accepted by magistrate Dzenita Balic, who also clarified that it was up to the prosecution to prove beyond unreasonable doubt that Mr Gallaher was using a mobile phone. While she found that the device in question was actually an iPhone, Mr Gallaher had testified that the device didn’t have a SIM card and was unable to make calls. “I could not find, and I do not, that he was dishonest in his description of the device as a portable music player,” she said in <a href="https://archive.sclqld.org.au/qjudgment/2022/QMC22-002.pdf" target="_blank" rel="noopener">her verdict</a> delivered on Friday. “Although to my mind he is clearly wrong about the device being an iPod, his other assertions as to the limited musical functionality of the device remained unchallenged. “I should add that to me, the use of this device by Mr Gallaher was just as dangerous as the use of a mobile phone. “(But) a mobile phone therefore must take on its natural meaning. It is a device capable of communication. “My view is that, at the time of the driving, I cannot be satisfied, considering the evidence by Mr Gallaher, which I have now discussed from different angles, that this was indeed a mobile phone at the relevant time.” In Queensland, rules about driver distractions are under the Transport Operations (Road Use Management-Road Rules) Regulation 2009, which states that it’s an offence for a person to hold a phone or rest it on any part of their body while the car is moving or stationary but not parked outside of limited circumstances, such as using it to pay in a drive-through or to provide their digital documents to police. These laws specifically refer to mobile phones rather than any kind of electronic device. Queensland Transport Minister Mark Bailey told <a href="https://7news.com.au/news/qld/queensland-man-beats-mobile-phone-driving-charge-in-ruling-set-to-have-major-implications-c-8841473" target="_blank" rel="noopener">7News</a> that Balic’s ruling was “unusual” and that he would be seeking advice on the matter. “Clearly the driver was still distracted, which is the intent of the legislation,” he said. “So I’ll be getting advice on this matter. “If there is any loophole that exists, we’ll be seeking to close it.” Image: Getty Images

Legal

Laser hack of self-driving cars can ‘delete’ pedestrians

Although a city filled with entirely self-driving cars is still in the realm of science fiction, more and more cars are <a href="https://en.wikipedia.org/wiki/Tesla_Autopilot" target="_blank" rel="noopener">coming with ‘self-driving’ features so</a> it’s a little alarming to learn that there are ways to use lasers to mess with the technology the cars use to detect its surroundings. <a href="https://arxiv.org/abs/2210.09482" target="_blank" rel="noopener">In a study uploaded to arXiv</a> by a team of researchers in the US and Japan, researchers were able to trick the ‘victim vehicle’ (their words not ours) into not seeing a pedestrian or other object in its way. Most self-driving cars use LIDAR to be able to ‘see’ around them by sending out a laser light and then recording the reflection from objects in the area. The time it takes for the light to reflect back gives the system information about how far away the object is. This new ‘hack’ or spoof works because a perfectly timed laser shined onto a LIDAR system can create a blind spot large enough to hide an object like a pedestrian. “We mimic the LIDAR reflections with our laser to make the sensor discount other reflections that are coming in from genuine obstacles,” <a href="https://www.eurekalert.org/news-releases/969698" target="_blank" rel="noopener">said University of Florida cyber security researcher professor Sara Rampazzi.</a> “The LIDAR is still receiving genuine data from the obstacle, but the data are automatically discarded because our fake reflections are the only one perceived by the sensor.” <div class="newsletter-box"> <div id="wpcf7-f6-p221287-o1" class="wpcf7" dir="ltr" lang="en-US" role="form"> <form class="wpcf7-form mailchimp-ext-0.5.62 spai-bg-prepared init" action="/technology/laser-hack-lidar-self-driving-cars-delete-pedestrians/#wpcf7-f6-p221287-o1" method="post" novalidate="novalidate" data-status="init"> <input class="wpcf7-form-control wpcf7-text referer-page" name="referer-page" type="hidden" value="https://cosmosmagazine.com/technology/" data-value="https://cosmosmagazine.com/technology/" aria-invalid="false" /> </form> </div> </div> Although the technology is relatively simple, the attack isn’t an easy one. The team demonstrated the attack up to 10 meters away from the car, but the device must be perfectly timed, and move with the car to be able to keep the laser pointing the right way. The researchers have already told manufacturers about this potential exploit and have suggested ways to be able to minimise the problem. Manufacturers might be able to teach the software to look for the tell-tale signatures of the spoofed reflections added by the laser attack. “Revealing this liability allows us to build a more reliable system,” <a href="https://www.eurekalert.org/news-releases/969698" target="_blank" rel="noopener">said first author, University of Michigan computer scientist Yulong Cao.</a> “In our paper, we demonstrate that previous defence strategies aren’t enough, and we propose modifications that should address this weakness.” This unfortunately isn’t the first time that researchers have found <a href="https://cosmosmagazine.com/news/tricking-driverless-car-sensors/" target="_blank" rel="noreferrer noopener">vulnerabilities with LIDAR sensors on self-driving cars</a>, but as more of these problems are uncovered and fixed, the technology will hopefully end up safer in the long run. The research is to be presented next year at the <a href="https://www.usenix.org/conference/usenixsecurity23" target="_blank" rel="noopener">2023 USENIX Security Symposium</a>.  <img id="cosmos-post-tracker" style="opacity: 0; height: 1px!important; width: 1px!important; border: 0!important; position: absolute!important; z-index: -1!important;" src="https://syndication.cosmosmagazine.com/?id=221287&title=Laser+hack+of+self-driving+cars+can+%E2%80%98delete%E2%80%99+pedestrians" width="1" height="1" />  <div id="contributors"> <a href="https://cosmosmagazine.com/technology/laser-hack-lidar-self-driving-cars-delete-pedestrians/" target="_blank" rel="noopener">This article</a> was originally published on Cosmos Magazine and was written by Jacinta Bowler. Image: Getty Images </div>

Technology

Floods, pandemics, wars and market forces: what’s driving up the price of milk

At the end of 2021, the cost of a litre of home-brand milk in an Australian supermarket <a href="https://www.abc.net.au/news/rural/2021-11-25/dairy-farmers-welcome-woolworths-milk-price-lift/100650118" target="_blank" rel="noopener">was about $1.30</a>. It’s now about $1.60. What will it cost at the end of 2022? That depends on the continued effect of flooding on prime dairy-production regions in New South Wales, Victoria and Tasmania, as well as on global economic conditions. The Australian Bureau of Agricultural and Resource Economics and Science has projected <a href="https://www.agriculture.gov.au/abares/research-topics/agricultural-outlook/dairy" target="_blank" rel="noopener">a 28% increase</a> in the farm-gate milk price in 2022-23 – to 72.5 cents per litre, a record high. With less milk being produced, it could be even more. <hr /> Australia’s dairy regions <figure class="align-center zoomable"><a href="https://images.theconversation.com/files/490779/original/file-20221020-19-64n8np.png?ixlib=rb-1.1.0&q=45&auto=format&w=1000&fit=clip"><img src="https://images.theconversation.com/files/490779/original/file-20221020-19-64n8np.png?ixlib=rb-1.1.0&q=45&auto=format&w=754&fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/490779/original/file-20221020-19-64n8np.png?ixlib=rb-1.1.0&q=45&auto=format&w=600&h=464&fit=crop&dpr=1 600w, https://images.theconversation.com/files/490779/original/file-20221020-19-64n8np.png?ixlib=rb-1.1.0&q=30&auto=format&w=600&h=464&fit=crop&dpr=2 1200w, https://images.theconversation.com/files/490779/original/file-20221020-19-64n8np.png?ixlib=rb-1.1.0&q=15&auto=format&w=600&h=464&fit=crop&dpr=3 1800w, https://images.theconversation.com/files/490779/original/file-20221020-19-64n8np.png?ixlib=rb-1.1.0&q=45&auto=format&w=754&h=583&fit=crop&dpr=1 754w, https://images.theconversation.com/files/490779/original/file-20221020-19-64n8np.png?ixlib=rb-1.1.0&q=30&auto=format&w=754&h=583&fit=crop&dpr=2 1508w, https://images.theconversation.com/files/490779/original/file-20221020-19-64n8np.png?ixlib=rb-1.1.0&q=15&auto=format&w=754&h=583&fit=crop&dpr=3 2262w" alt="" /></a><figcaption><a class="source" href="https://www.agriculture.gov.au/abares/research-topics/surveys/dairy#financial-performance" target="_blank" rel="noopener">ABARES</a>, <a class="license" href="http://creativecommons.org/licenses/by-nc-nd/4.0/" target="_blank" rel="noopener">CC BY-NC-ND</a></figcaption></figure> <hr /> It’s a case of higher demand and lower supply. Production has been declining since 2014. In the first half of 2022, ABARES says milk production was about 7% lower than the same period in 2021: <blockquote> This was driven by extreme weather events: a drier than average start of the year in southern Victoria and northwest Tasmania, flooding in regions of Queensland and northern New South Wales. Also, with export prices for Australian dairy products increasing substantially at the start of 2022, less milk was available to the domestic market. </blockquote> Obviously, things aren’t all rosy. Some dairy farmers face the devastation of natural disasters. All face the same post-COVID challenges as other primary producers. Russia’s war on Ukraine has help drive up <a href="https://www.austrade.gov.au/news/insights/insight-farm-food-costs-rise-due-to-higher-energy-prices" target="_blank" rel="noopener">costs of inputs</a>, from fertilisers to <a href="https://www.agriculture.gov.au/abares/data/weekly-commodity-price-update/australian-agricultural-prices" target="_blank" rel="noopener">feed</a>. Labour is <a href="https://www.reuters.com/business/australia-needs-workers-million-are-stuck-door-2022-08-31" target="_blank" rel="noopener">hard to find</a>. But for all that, the record high farm-gate price is good news for an industry where the number of farmers has declined by a quarter in the past decade (from <a href="https://www.aph.gov.au/DocumentStore.ashx?id=b16a172f-6300-4ee0-918a-b235cf9da725">about 7,500</a> in 2011 to <a href="https://www.dairy.com.au/our-industry-and-people/our-regions">about 5,700</a> now). Deregulation stirs the pot Until 2000, farm-gate milk prices were regulated. State and territory governments set minimum farm-gate prices that maintained farmer income. This was abandoned in July 2000. With deregulation, farmers, processors and supermarkets were set free to negotiate prices. In economic theory, free trade works fine when you have a large number of buyers and sellers, all with the same amount of information about what is happening in the market. But in the milk industry, thousands of producers sell to a handful of milk processors, who then sell to even fewer retailers. The major supermarkets control almost <a href="https://milkvalue.com.au/australian-dairy-market/sales-trends/" target="_blank" rel="noopener">60% of total milk sales</a>. This is not always such a problem. It is not often you hear fresh producers screaming at supermarkets, in what is a very similar arrangement. But with the dairy industry, as noted in a <a href="https://www.agriculture.gov.au/sites/default/files/documents/review-report-dairy-industry-code.docx" target="_blank" rel="noopener">2021 report</a> from the Department of Agriculture, Waters and the Environment, there is a “perceived market failure”. Why? It has to do with how supermarkets have used their power. Waging the milk price war To give time for the market to find an equilibrium, the Howard government introduced a “Dairy Adjustment Levy” of 11 cents per litre to support farmers through deregulation. This levy remained in place until 2008, when it was abolished by the Rudd government. Then, in 2011, the “milk war” broke out. Coles had the idea of luring shoppers from Woolworths by selling milk <a href="https://www.smh.com.au/business/milk-wars-leave-sour-taste-in-farmers-mouths-20120120-1q9st.html" target="_blank" rel="noopener">at $1 a litre</a>. Woolworths responded. Aldi joined the move. And the war kept prices artificially low for almost a decade. Supermarkets put the squeeze on processors, who had little option but to accept what was offered for crucial supermarket contracts. Processors then put the squeeze on farmers. <hr /> <iframe id="5TukM" class="tc-infographic-datawrapper" style="border: none;" src="https://datawrapper.dwcdn.net/5TukM/1/" width="100%" height="400px" frameborder="0"></iframe> <hr /> Many decided the effort was not worth it, and quit farming. Milk production peaked in 2014 then declined. Supermarkets finally abandoned $1/litre milk in 2019, under considerable public and <a href="https://www.abc.net.au/news/2019-02-23/milk-wars-whats-at-the-heart-of-dairys-battles/10838390" target="_blank" rel="noopener">political pressure</a> to acknowledge that, after eight years with no increase, some rebalancing was needed. During this time, overseas demand for dairy products has also been increasing, especially in Asia. Now <a href="https://www.dairyaustralia.com.au/westvic-dairy/industry-statistics/industry-reports/australian-dairy-industry-in-focus#.YzA0_nZByM9" target="_blank" rel="noopener">about 32%</a> of Australian dairy production is exported – not as fresh milk, but as cheese, butter and other dairy products. (It takes about 10 litres of milk to make <a href="https://www.dairysafe.vic.gov.au/consumers/dairy-foods/cheese" target="_blank" rel="noopener">1 kilogram of cheese</a>, and 20 litres to make <a href="https://www.dairysafe.vic.gov.au/consumers/dairy-foods/butter" target="_blank" rel="noopener">1kg of butter</a>.) On top of that, lately US and European dairy farmers have had a hard time <a href="https://www.agriculture.gov.au/abares/research-topics/agricultural-outlook/dairy#milk-production-to-increase-but-export-volumes-to-fall" target="_blank" rel="noopener">with drought</a>, increasing international prices. The United Nations’ Food and Agriculture Organization’s Dairy Price Index increased by more <a href="https://www.fao.org/3/cc1189en/cc1189en.pdf" target="_blank" rel="noopener">than 17%</a> from 2020 to 2021, and is expected to rise another 15% by the end of this year. <hr /> Australian milk production and farm-gate price <figure class="align-center "><img src="https://images.theconversation.com/files/486429/original/file-20220926-15788-17niif.png?ixlib=rb-1.1.0&q=45&auto=format&w=754&fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/486429/original/file-20220926-15788-17niif.png?ixlib=rb-1.1.0&q=45&auto=format&w=600&h=350&fit=crop&dpr=1 600w, https://images.theconversation.com/files/486429/original/file-20220926-15788-17niif.png?ixlib=rb-1.1.0&q=30&auto=format&w=600&h=350&fit=crop&dpr=2 1200w, https://images.theconversation.com/files/486429/original/file-20220926-15788-17niif.png?ixlib=rb-1.1.0&q=15&auto=format&w=600&h=350&fit=crop&dpr=3 1800w, https://images.theconversation.com/files/486429/original/file-20220926-15788-17niif.png?ixlib=rb-1.1.0&q=45&auto=format&w=754&h=440&fit=crop&dpr=1 754w, https://images.theconversation.com/files/486429/original/file-20220926-15788-17niif.png?ixlib=rb-1.1.0&q=30&auto=format&w=754&h=440&fit=crop&dpr=2 1508w, https://images.theconversation.com/files/486429/original/file-20220926-15788-17niif.png?ixlib=rb-1.1.0&q=15&auto=format&w=754&h=440&fit=crop&dpr=3 2262w" alt="" /><figcaption><a class="source" href="https://www.agriculture.gov.au/sites/default/files/images/ac-sept-2022-dairy-fig-1-2.png">ABARES; Dairy Australia</a></figcaption></figure> <hr /> The projected 28% rise in farm-gate milk prices in 2022-23 will bring the value of the Australian dairy production to a record <a href="https://www.agriculture.gov.au/abares/research-topics/agricultural-outlook/dairy" target="_blank" rel="noopener">$6.2 billion</a>. Which is good news for the long term sustainability of dairy farming in Australia. You might not appreciate it, but to keep dairy farmers in business, a fair price must be payed for your fresh milk. <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/191064/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" />Writen by Flavio Macau. Republished with permission from <a href="https://theconversation.com/floods-pandemics-wars-and-market-forces-whats-driving-up-the-price-of-milk-191064" target="_blank" rel="noopener">The Conversation</a>. Image: Getty Images

Money & Banking

Train driving dream comes true for brain tumour survivor

Three years after doctors found a large tumour growing in his brain, seven-year-old Broly Blackmore has seen his dream of becoming a train driver come true. The young boy from Hallett, South Australia, had the tumour removed when he was just four years old after he collapsed and was rushed to hospital by helicopter. If it wasn’t removed that night, doctors told his mother, Corrine Maidment, that he wouldn’t make it. In the years since, Broly’s life has become relatively normal, albeit with regular brain scans and physio trips - and he has had his wish of driving a train granted by the Starlight Foundation. The seven-year-old went on a trip on the Pichi Richi steam train, travelling from Quorn to Port Augusta as a “trainee train driver”. "Ever since he was only a couple of months old everything has always been about trains … diesels aren't as good as steam trains apparently," Ms Maidment said, adding that he barely slept the night before the big day. "According to everyone in the train, they weren't allowed to do anything without his say so … at one point, he told the fireman, the guy who does the coal, 'That's my seat. I need to sit there'. "He was boss for the day." The Pichi Richi railway, an outback steam train experience that has been operating since 1973, later shared a sweet photo of Broly on the train. “Last Sunday, Pichi Richi Railway was able to grant a wish for a very special visitor, 7 year old Broly who was having his wish granted with help from Starlight Children's Foundation Australia’s ‘Wishgranting Program’,” the railway <a href="https://www.facebook.com/PichiRichiRailway/posts/pfbid032C45MeP339xWYPL321ZTFjXXsehYJh7pWe2xkX812DkCLCBZgZyp8UVNGVzF7ztvl">wrote</a>. “Broly loves trains so Starlight contacted Pichi Richi Railway and Broly was lucky enough to ride in the cab of engine W934 for the day with our crew on the Pichi Richi Explorer service. “A very special day for our crew, Broly and his family.” Although Broly’s wish was given to him while he was in hospital, Ms Maidment said they had waited until he was old enough to decide how he wanted to spend it. "He's had the wish sitting there since he was in the hospital ... but we wanted to wait until he was old enough to make a decision himself so he'd know what the wish was and he'd remember it," she said. Images: Blackmore family, Starlight Foundation, Pichi Richi Railway (Facebook)

Caring

Kate Ritchie speaks out after drink driving charge

Former Home and Away star Kate Ritchie has apologised profusely for her “poor decision” after being caught drink driving. The 44-year-old was pulled over by police in Maroubra in Sydney’s east, for a random breath test and it is alleged she recorded a blood alcohol reading of 0.06. The radio host had her license suspended with a ban on driving for three months and a fine of $600. On her Instagram, Kate apologised for her actions in the lead up to her return to TV as a judge on the Seven series, Australia’s Got Talent. “Recently I undertook a random breath test. Although it was low level, the test came back positive,” she wrote. “I made a poor decision and there is no doubt I understand the seriousness of my actions.” “I am truly sorry.” <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/ChyNSJFpsNt/?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/ChyNSJFpsNt/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by Kate Ritchie (@kateritchieofficial)</a> </div> </blockquote> The incident comes as rumours swirl that Kate would not be returning to her regular radio hosting gig on the popular NovaFM drive show Kate, Tim & Joel. The radio station refuted the rumours saying they are still in the process of confirming the line up for 2023. “As you can appreciate, NOVA Entertainment does not comment on personal matters relating to any of our employees. Kate has made a statement on her socials in relation to the matter,” a spokesperson said. “Whilst we don’t usually comment on this type of unfounded speculation, or confirm our presenter line up for 2023, we have no plans for any changes to the Kate, Tim & Joel drive show or Kate’s role within the show. “Kate is currently on planned leave and has been for the past few weeks. She will return to the Kate, Tim & Joel show after survey break. Kate is a talented broadcaster and a respected member of the Kate, Tim & Joel and Nova Network team.” Images: Instagram

News

Woman rocked by huge fine wasn't even driving

A woman has copped a fine for over $1,000 and four demerit points for a little-known road rule. Hailey Gillard from Queensland said she was slapped with the fine for not wearing her seatbelt properly while sitting in the passenger seat. She took to TikTok to share the fine with her followers and bring their attention to the seatbelt law. "If you're having a bad day, at least it's not as bad as mine," she said. "I just got fined $1,000 for wearing my seatbelt incorrectly, which my seatbelt was underneath my arm because I was a bit carsick." "So I had to lean over and I got a $1,000 fine." "Ahh life is good...might cry later." According to the Queensland Government, seatbelts must be worn with the belt over your shoulder, running across your chest and be buckled low on your hip. Wearing them any other way could result in the same $1,078 fine and four demerits points- regardless of where you're sitting in the car. In a follow-up video, Hailey warned her followers to wear their seatbelt properly to avoid the hefty fine and to stay safe. "It was a bit of a shock because I was in the passenger seat. As you can see in the photo, my mugshot photo, I still have my seatbelt on but because my arm was over it it's still a fine," she said. "Be really careful on the roads, even if you're wearing a seatbelt, wear it properly because don't do what I did and get a $1000 fine," she said. Image credits: TikTok

Legal

A heated steering wheel for $20 a month? What’s driving the subscriptions economy

From gym memberships to music and movies, to razors, toilet paper, meal kits and clothes, there’s seemingly no place the subscription economy can’t go. Having conquered the software market – where it gets its own acronym, SaaS (Software as a Service) – the subscription model is now moving into hardware. Car makers are among the first cabs off the rank, using software to turn on and off optional extras. German auto maker BMW is offering “<a href="https://www.theverge.com/2022/7/12/23204950/bmw-subscriptions-microtransactions-heated-seats-feature" target="_blank" rel="noopener">in-car microtransactions</a>” to access options for car buyers in Britain, Korea, Germany, New Zealand and South Africa. A heated steering wheel, for example, has a monthly cost of NZ$20 in New Zealand, and £10 in the UK. Other markets <a href="https://www.drive.com.au/news/bmw-australia-monthly-subscriptions-detailed/" target="_blank" rel="noopener">including Australia</a> will soon follow. In the UK, seven of 13 “digital services” – from heated seats to automatic high beam and driving assistance – are now available in subscription form. “Welcome to microtransaction hell” is how <a href="https://www.pcgamer.com/welcome-to-microtransaction-hell-buy-a-bmw-pay-monthly-for-the-cars-features/" target="_blank" rel="noopener">one headline</a> put it. But that’s probably overselling the onset of a corporate dystopia where “you will own nothing”. BMW’s motives are pretty straightforward – as is most of what’s driving the subscription economy. What is the subscription model? The subscription model means paying a fee for periodical access to a service or product. Until a decade or so ago, it was largely confined to a few select industries, such as the delivery of milk, newspapers and magazines. <figure class="align-center "><img src="https://images.theconversation.com/files/474494/original/file-20220718-68552-hvzp5p.jpg?ixlib=rb-1.1.0&q=45&auto=format&w=754&fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/474494/original/file-20220718-68552-hvzp5p.jpg?ixlib=rb-1.1.0&q=45&auto=format&w=600&h=400&fit=crop&dpr=1 600w, https://images.theconversation.com/files/474494/original/file-20220718-68552-hvzp5p.jpg?ixlib=rb-1.1.0&q=30&auto=format&w=600&h=400&fit=crop&dpr=2 1200w, https://images.theconversation.com/files/474494/original/file-20220718-68552-hvzp5p.jpg?ixlib=rb-1.1.0&q=15&auto=format&w=600&h=400&fit=crop&dpr=3 1800w, https://images.theconversation.com/files/474494/original/file-20220718-68552-hvzp5p.jpg?ixlib=rb-1.1.0&q=45&auto=format&w=754&h=503&fit=crop&dpr=1 754w, https://images.theconversation.com/files/474494/original/file-20220718-68552-hvzp5p.jpg?ixlib=rb-1.1.0&q=30&auto=format&w=754&h=503&fit=crop&dpr=2 1508w, https://images.theconversation.com/files/474494/original/file-20220718-68552-hvzp5p.jpg?ixlib=rb-1.1.0&q=15&auto=format&w=754&h=503&fit=crop&dpr=3 2262w" alt="From milk and magazines, subscription services have proliferated with digital technology." /><figcaption>From milk and magazines, subscription services have proliferated with digital technology. Shutterstock</figcaption></figure> Other business models had similarities – such as rental businesses – but the point of the subscription model was different. It was not about meeting a demand for a service someone only wanted to use temporarily or could not afford to own outright. It was about locking in a continuing relationship, to maximise “customer lifetime value”. As <a href="https://www.investopedia.com/ask/answers/042715/how-do-subscription-business-models-work.asp" target="_blank" rel="noopener">Investopedia puts it</a>, the subscription model’s focus is on customer retention over customer acquisition: <blockquote> In essence, subscription business models focus on the way revenue is made so that a single customer pays multiple payments for prolonged access to a good or service instead of a large upfront one-time price. </blockquote> This in large part explains why subscription services are now being adopted in markets outside their more obvious fit for things such as streaming news and entertainment. In a broad sense, consumers can now be divided into two groups. One group comprises the “transactional shopper”, who interacts with the vendor once or twice, then disappears. The other group comprises customers whose connection and “investment” in the brand is maintained through their subscriptions. <figure class="align-center "><img src="https://images.theconversation.com/files/474211/original/file-20220715-24-eopgdo.jpg?ixlib=rb-1.1.0&q=45&auto=format&w=754&fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/474211/original/file-20220715-24-eopgdo.jpg?ixlib=rb-1.1.0&q=45&auto=format&w=600&h=338&fit=crop&dpr=1 600w, https://images.theconversation.com/files/474211/original/file-20220715-24-eopgdo.jpg?ixlib=rb-1.1.0&q=30&auto=format&w=600&h=338&fit=crop&dpr=2 1200w, https://images.theconversation.com/files/474211/original/file-20220715-24-eopgdo.jpg?ixlib=rb-1.1.0&q=15&auto=format&w=600&h=338&fit=crop&dpr=3 1800w, https://images.theconversation.com/files/474211/original/file-20220715-24-eopgdo.jpg?ixlib=rb-1.1.0&q=45&auto=format&w=754&h=424&fit=crop&dpr=1 754w, https://images.theconversation.com/files/474211/original/file-20220715-24-eopgdo.jpg?ixlib=rb-1.1.0&q=30&auto=format&w=754&h=424&fit=crop&dpr=2 1508w, https://images.theconversation.com/files/474211/original/file-20220715-24-eopgdo.jpg?ixlib=rb-1.1.0&q=15&auto=format&w=754&h=424&fit=crop&dpr=3 2262w" alt="The subscriptions model emphasises customer retention over customer acquisition." /><figcaption>The subscriptions model emphasises customer retention over customer acquisition. Shutterstock</figcaption></figure> E-commerce and access Part of the growth in the subscription economy has come from companies riding the e-commerce wave, delivering goods such as meal kits, wine, coffee, baby supplies, pet food, cleaning products, razors and toilet paper. Consultant firm McKinsey has estimated the subscription e-commerce market is <a href="https://www.mckinsey.com/industries/technology-media-and-telecommunications/our-insights/thinking-inside-the-subscription-box-new-research-on-ecommerce-consumers" target="_blank" rel="noopener">doubling in value</a> every year – though that was before the pandemic. It could be well be more now. The other part of the market is represented by BMW’s approach, offering extra features to customers that can only be accessed for a fee. In some cases this may involve standard “upsell” techniques. For example, when you buy a new Peloton exercise bike you’ll be enticed with <a href="https://www.onepeloton.com.au/membership" target="_blank" rel="noopener">subscription offers</a>, such as virtual classes and “customised” training programs, to “reach your goals”. Or increasingly, as with BMW’s heated seats and steering wheels, it can be done with software turning actual bits of hardware on or off. What is BMW’s game? Is BMW’s purpose to gouge its customers for more money through getting them to pay an ongoing fee for something instead of owning it outright? This is not what its subscription structure indicates. The opposite, in fact. Customers can still buy these options outright. A heated steering wheel in the UK, for example, costs <a href="https://www.bmw.co.uk/en/shop/ls/dp/Steering_Wheel_Heating_SFA_gb" target="_blank" rel="noopener">£200</a>, and in New Zealand <a href="https://www.bmw.co.nz/en/shop/ls/dp/Steering_Wheel_Heating_SFA_nz" target="_blank" rel="noopener">NZ$350</a>. But now they can also pay a subscription – for three years (£150, NZ$250), annually (£100, NZ$250) or monthly (£10, NZ$20). These prices represent a strong signal – that the cost of outright ownership is the most economical. It’s unlikely BMW expects anyone to sign up for the annual or three-yearly options. These are probably just to make the outright cost look more attractive. The monthly offering, on the other hand, may lure owners to try out a feature they would otherwise have rejected buying outright at the time of purchase. Indeed, car makers argue the reason they offer so many options as extras is because most owners don’t want them. So this mostly looks like BMW offering a “try before you buy” option. The pitfalls of over-subscribing That said, companies don’t need to have sinister motives for us to have concerns about the spread of the subscription model. The more things we pay for with “micro-payments”, the harder it becomes to keep track of payments. Many of us continue to pay for products and services we don’t use. A survey of 1,000 Australian adults in 2021, for example, found about a third wasted money on unused subscriptions or memberships – losing an average of about <a href="https://www.savings.com.au/savings-accounts/unused-lockdown-subscriptions-are-costing-aussies-200-a-year" target="_blank" rel="noopener">A$200 a year</a>. Deep psychological associations can influence these decisions. Experiments by US marketing professors Jennifer Savary and Ravi Dhar suggests people with lower “<a href="https://academic.oup.com/jcr/article-abstract/46/5/887/5498871" target="_blank" rel="noopener">self-concept</a>” are less likely to sign up for subscriptions – but also less likely to cancel subscriptions they are not using. We may see the subscription model increasingly used in other sectors – including the health and justice systems. For example, a subscription payment may provide a better level of nutritious food for a resident in an aged care facility, or a hospital or even a prison. This is not dissimilar to the way private health insurance premiums are managed, but still presents important justice and equity concerns. So while there’s no reason to exaggerate the dangers of the subscription economy, it’s also prudent for consumers, advocacy groups and governments to ask “What next?”.<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/186913/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/louise-grimmer-212082" target="_blank" rel="noopener">Louise Grimmer</a>, Senior Lecturer in Retail Marketing and Associate Head Research Performance, <a href="https://theconversation.com/institutions/university-of-tasmania-888" target="_blank" rel="noopener">University of Tasmania</a> This article is republished from <a href="https://theconversation.com" target="_blank" rel="noopener">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/a-heated-steering-wheel-for-20-a-month-whats-driving-the-subscriptions-economy-186913" target="_blank" rel="noopener">original article</a>. Image: Getty Images

Money & Banking

Our Partners

Over 60

News

Shop

Catalogues

Contests

Entertainment

Travel

Health

Lifestyle

Finance

Property

Games

Information

Keep up to date

Search

New research calls for later-in-life driving lessons

"I’m coming home from a party, and I don’t want to end up getting arrested": do driving apps help people break road rules?

Readers response: What are your driving pet peeves?

Simon Baker charged with drink driving offences

Man fined $7000 for driving offences he did not commit

Motorist fined $387 for "handling wallet" while driving

AFP commander resigns after drink driving accident

Channel 10 newsreader admits to driving while four times over the legal limit

10 driving tips to stay safe in wet weather

5 money mistakes that drive experts crazy and what to do instead

We were told we’d be riding in self-driving cars by now. What happened to the promised revolution?

The wellbeing ‘pandemic’ – how the global drive for wellness might be making us sick

Why do people tailgate? A psychologist explains what’s behind this common (and annoying) driving habit

Man beats mobile phone driving charge in “unusual” ruling

Laser hack of self-driving cars can ‘delete’ pedestrians

Floods, pandemics, wars and market forces: what’s driving up the price of milk

Train driving dream comes true for brain tumour survivor

Kate Ritchie speaks out after drink driving charge

Woman rocked by huge fine wasn't even driving

A heated steering wheel for $20 a month? What’s driving the subscriptions economy

Our Partners