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Gina Rinehart urges Liberal Party to embrace Trumpism after crushing defeat

Mining billionaire and Australia’s richest person, Gina Rinehart, has urged the Liberal Party to adopt policies inspired by Donald Trump in the wake of the Coalition's heavy federal election loss over the weekend. In a statement <a href="https://www.ginarinehart.com.au/comment-from-mrs-gina-rinehart-ao-regarding-the-election-results/" target="_blank" rel="noopener">published on her personal website</a>, Rinehart blamed the defeat on left-leaning media outlets and what she described as the party's failure to adopt bold, pro-business, Trump-style reforms. “The left media did a very successful effort, frightening many in the Liberal Party from anything Trump and away from any Trump-like policies,” Rinehart wrote. “This has been especially obvious this year, with the Liberals instead becoming known as the 'me too' party. Trump-style ‘make Australia great’ policies via cutting government tape, government bureaucracy and wastage, and hence being able to cut taxes, [were] too scarce in Australia this year.” Rinehart, whose net worth is estimated at $46.5 billion, has long supported the Liberal Party and has personally backed senior figures including former opposition leader Peter Dutton, notably providing him with flights on her private jet. She is also a vocal Trump supporter, having attended his election night party at Mar-a-Lago last year. Under Dutton’s leadership, the Coalition campaigned on cutting tens of thousands of public service jobs and named Senator Jacinta Nampijinpa Price as the shadow spokesperson for government efficiency – moves widely seen as echoing Trump-era governance tactics. Despite Rinehart’s praise, Trump himself distanced from Dutton this week, telling reporters he had "no idea" who the former Liberal leader was, while describing re-elected Prime Minister Anthony Albanese as "very good" and "very, very nice". Rinehart’s position contrasts sharply with that of many within the political mainstream who argue that aligning with Trump-like policies alienates centrist voters. During election night coverage, Nationals Senator Bridget McKenzie acknowledged that the "Trump factor" may have influenced voter sentiment and contributed to the Coalition’s defeat. Former senior Liberals have also weighed in. Simon Birmingham, former Senate leader and finance minister, argued the party must reclaim its centrist identity. “The broadchurch model of a party that successfully melds liberal and conservative thinking is clearly broken,” Birmingham said. “The Liberal Party is not seen as remotely liberal and the brand of conservatism projected is clearly perceived as too harsh and out of touch.” Still, Rinehart remains unmoved in her call for a sharp ideological pivot to the right. “No doubt the left media will now try to claim that the Liberal loss was because the Liberal Party followed Trump and became too right! The two simply don't add up,” she said. “It’s important to not throw away truth and analysing skills, and instead learn from the loss and rebuild.” Rinehart also took aim at what she sees as a lack of economic understanding among Australians, stating that “too many Aussies seem very short on understanding that new investment is needed to create revenue and living standards”. Despite her disappointment with the election outcome, Rinehart concluded her statement with a conciliatory note, wishing Albanese well as he begins his second term. “Australians have overwhelmingly voted in a returning ... PM and government, we must wish him well, with carefully considered policies,” she wrote. Image: ginarinehart.com.au

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When can you expect to benefit from Albanese's election promises?

Following the sweeping victory for Prime Minister Anthony Albanese and the Labor Party over the weekend, Australians are now looking to the government to deliver on a suite of cost-of-living promises aimed at easing financial pressures across the country. Finance expert and Money editor Effie Zahos told the Today show that the scale of the Labor win should pave the way for campaign commitments to be swiftly translated into policy. "The strength of the government's win should make the passage from promise into law a lot easier," Zahos said. "And there were so many promises made – everything from a two-year beer tax freeze to a new 1800 Medicare line." Among the most anticipated reforms is a no-receipt $1000 tax deduction for work-related expenses, set to roll out on July 1 next financial year. Zahos described the measure as an "exciting" step in a broader tax overhaul, but she also offered a word of caution: "This is a tax deduction, not a refund. So how much you get will come down to your tax bracket. Assuming you're on a 30 per cent tax rate, your relief will be $300." The Albanese government estimates around six million Australians will benefit, with average savings of $205 per person. However, a broader income tax cut for those earning between $45,000 and $80,201 – reducing the rate from 16 per cent to 14 per cent – won't take effect until July 1, 2027. Housing and Construction Promises On the housing front, the government has committed to enabling five per cent deposits for home buyers and offering shared equity loans, starting July 1. However, Zahos noted that implementation could vary. "The shared equity one still is uncertain because they've got to be pushed out through the states as well," she said. Additional measures include the construction of 100,000 new homes and a $10,000 bonus for apprentice tradies such as bricklayers, electricians, carpenters, and plumbers living away from home. The bonus will be distributed in $2000 instalments beginning in the new financial year. Support for Students and Parents In a bid to appeal to younger voters, the government has pledged to cut 20 per cent off student HELP debts before June 1. The move is expected to reduce the average student loan by more than $5000. From January 5, 2026, parents will be entitled to three days of subsidised childcare per week – a policy that removes the activity test, meaning employment will no longer be a requirement for access. Energy Relief on the Horizon Households can also expect temporary relief on energy costs, with rebates and a 30 per cent discount on home batteries starting from July 1. But Zahos warned these benefits will expire by the end of 2025. "And then the pain will continue," she said, hinting at the ongoing challenges Australians face despite the short-term reprieve. With expectations high and timelines tight, all eyes are now on the Albanese government to turn its electoral promises into tangible support for everyday Australians. Image: ABC News

Money & Banking

Coalition faces leadership crisis after devastating defeat

The Coalition is reeling from a crushing federal election defeat that has triggered a leadership vacuum, widespread soul-searching, and an urgent need for reinvention. After suffering an historic landslide loss, the party is now sifting through the wreckage of what many insiders are calling one of the most chaotic and miscalculated campaigns in recent memory. Opposition Leader Peter Dutton fronted the media on election night to accept responsibility for the outcome, which saw the loss of several senior Liberal figures and a significant erosion of the party's base. "There are good members, good candidates who have lost their seats or their ambition. And I'm sorry for that," Dutton said in a sombre concession speech. Nationals leader David Littleproud pointed to what he described as a brutal character assassination campaign by Labor, which he claimed rendered Dutton "unelectable in his own electorate and across the country". But political analysts say the problems run much deeper than Dutton’s public image. Nine’s national affairs editor Andrew Probyn argued that the Coalition failed to present a coherent and inspiring vision to voters, despite widespread discontent over cost-of-living pressures. Among the missteps was a proposal to end remote work for public servants – a plan that was swiftly abandoned early in the campaign – and a pledge to cut 41,000 public service jobs. The job-slashing rhetoric drew uncomfortable comparisons to the political style of Donald Trump, a connection reinforced by Senator Jacinta Nampijinpa Price’s controversial “make Australia great again” remark. “Restoring a viable opposition will start with recognising what went wrong,” Probyn said. “And it’ll need a new leader who’s prepared to take the party in a new direction.” Among those tipped to contest the leadership are Angus Taylor, Andrew Hastie, Sussan Ley and Dan Tehan. Former Coalition Minister Christopher Pyne echoed calls for change, urging the party to shift back towards the political centre if it hopes to win back mainstream support. Treasurer Jim Chalmers, fresh from Labor’s emphatic win, said voters had rejected what he termed the Coalition’s “backward-looking pessimism”. Nine political editor Charles Croucher said the result reflected a “seismic shift” in the electorate. “Labor ran a very disciplined campaign, surprised the electorate with tax cuts, and executed brutally effective attacks on Peter Dutton,” he said. Croucher also pointed to external factors that compounded the Coalition’s woes, including the global impact of Donald Trump’s tariffs and the party’s faltering stance on nuclear power. “For the Coalition, the campaign was disastrous,” he said. “Bad plus bad plus bad equals really bad for Peter Dutton.” As the dust settles, the Coalition must not only choose a new leader, but also decide what kind of party it wants to be in a rapidly changing political landscape. Image: ABC News

Legal

Why are political parties allowed to send spam texts? And how can we make them stop?

<div class="theconversation-article-body"> Another election, another wave of unsolicited political texts. Over this campaign, our digital mailboxes have been stuffed with a slew of political appeals and promises, many from the new party Trumpet of Patriots (backed by Clive Palmer, a <a href="https://www.abc.net.au/news/2019-01-11/clive-palmer-united-australia-party-unsolicited-text-messages/10709106">veteran</a> of the mass text campaign). The practice isn’t new, and it’s totally legal under current laws. It’s also non-partisan. Campaigns of all stripes have partaken. Behold, the Liberal Party’s <a href="https://www.sbs.com.au/news/article/liberal-party-defends-sending-text-messages-to-voters-on-asylum-seeker-boat-intercepts/mmqwk5508">last-minute SMS</a> to voters about asylum seekers before the 2022 federal election, or Labor’s controversial “<a href="https://www.smh.com.au/politics/federal/federal-election-2016-shorten-confirms-labor-sent-mediscare-text-20160705-gpzasl.html">Mediscare</a>” text before the 2016 poll. Despite multiple cycles of criticism, these tactics remain a persistent feature of Australian election campaigns. A recent proposal to update decades-old rules could help change things – if a government would put it into practice. <h2>What does the law say about political spam?</h2> Several laws regulate spam and data collection in Australia. First, there is the Spam Act. This legislation requires that organisations obtain our consent before sending us marketing emails, SMSs and instant messages. The unsubscribe links you see at the bottom of spam emails? Those are mandated by the Spam Act. Second, the Do Not Call Register (DNCR) Act. This Act establishes a “do not call” register, managed by the <a href="https://www.acma.gov.au/say-no-to-telemarketers">Australian Communications and Media Authority</a> (ACMA), which individuals can join to opt out of telemarketing calls. Finally, there is the Privacy Act, which governs how organisations collect, use and disclose our personal information. Among other things, the Privacy Act requires that organisations tell us when and why they are collecting our personal information, and the purposes for which they intend to use it. It restricts organisations from re-purposing personal information collected for a particular purpose, unless an exception applies. This trio of laws was designed to offer relief from unsolicited, unwanted direct marketing. It does not, however, stop the deluge of political spam at election time due to broad political exemptions sewn into the legislation decades ago. The Spam Act and DNCR Act apply to marketing for goods and services but not election policies and promises, while the Privacy Act contains a <a href="https://classic.austlii.edu.au/au/journals/UNSWLawJl/2021/21.html#fn13">carve-out</a> for political parties, representatives and their contractors. The upshot is that their campaigns are free to spam and target voters at will. Their only obligation is to disclose who authorised the message. <h2>How do political campaigns get our information?</h2> Secrecy about the nature and extent of campaign data operations, enabled by the exemptions, makes it difficult to pinpoint precisely where a campaign might have obtained your data from. There are, however, a number of ways political campaigns can acquire our information. One source is the electoral roll (though not for phone numbers, as the Australian Electoral Commission <a href="https://x.com/AusElectoralCom/status/1434752533294194692">often points out</a>). Incumbent candidates might build on this with information they obtain through contact with constituents which, thanks to the exemptions, they’re allowed to re-purpose for campaigning at election time. Another source is data brokers – firms which harvest, analyse and sell large quantities of data and profiles. We know the major parties have long maintained voter databases to support their targeting efforts, which have become <a href="https://www.abc.net.au/news/2022-05-19/behind-liberal-labor-data-arms-race-this-election/101074696">increasingly sophisticated</a> over the years. Other outfits might take more haphazard approaches – former MP <a href="https://www.smh.com.au/politics/federal/united-australia-party-leader-craig-kelly-defends-spam-messages-20210829-p58mv7.html">Craig Kelly</a>, for example, claimed to use software to randomly generate numbers for his texting campaign in 2021. <h2>What can be done?</h2> Unwanted campaign texts are not only irritating to some. They can be misleading. This year, there have been <a href="https://www.abc.net.au/news/2025-04-17/monique-ryan-polling-amelia-hamer-trust-fund-kooyong/105185290">reports</a> of “push polling” texts (pseudo surveys meant to persuade rather than gauge voter options) in the marginal seat of Kooyong. The AEC has <a href="https://www.aec.gov.au/media/2025/03-31a.htm">warned</a> about misleading postal vote applications being issued by parties via SMS. <figure class="align-right zoomable"><a href="https://images.theconversation.com/files/664617/original/file-20250429-74-yothae.jpg?ixlib=rb-4.1.0&q=45&auto=format&w=1000&fit=clip"><img src="https://images.theconversation.com/files/664617/original/file-20250429-74-yothae.jpg?ixlib=rb-4.1.0&q=45&auto=format&w=237&fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/664617/original/file-20250429-74-yothae.jpg?ixlib=rb-4.1.0&q=45&auto=format&w=600&h=738&fit=crop&dpr=1 600w, https://images.theconversation.com/files/664617/original/file-20250429-74-yothae.jpg?ixlib=rb-4.1.0&q=30&auto=format&w=600&h=738&fit=crop&dpr=2 1200w, https://images.theconversation.com/files/664617/original/file-20250429-74-yothae.jpg?ixlib=rb-4.1.0&q=15&auto=format&w=600&h=738&fit=crop&dpr=3 1800w, https://images.theconversation.com/files/664617/original/file-20250429-74-yothae.jpg?ixlib=rb-4.1.0&q=45&auto=format&w=754&h=927&fit=crop&dpr=1 754w, https://images.theconversation.com/files/664617/original/file-20250429-74-yothae.jpg?ixlib=rb-4.1.0&q=30&auto=format&w=754&h=927&fit=crop&dpr=2 1508w, https://images.theconversation.com/files/664617/original/file-20250429-74-yothae.jpg?ixlib=rb-4.1.0&q=15&auto=format&w=754&h=927&fit=crop&dpr=3 2262w" alt="Screenshot of a text message from Trumpet of Patriots." /></a><figcaption>This election campaign has seen a flood of texts from Trumpet of Patriots, among others. The Conversation, <a class="license" href="http://creativecommons.org/licenses/by-sa/4.0/">CC BY-SA</a></figcaption></figure> Generative AI is hastening the ability to produce misleading content, cheaply and at scale, which can be quickly pushed out across an array of online social and instant messaging services. In short, annoying texts are just one visible symptom of a wider vulnerability created by the political exemptions. The basic argument for the political exemptions is to facilitate freedom of political communication, which is protected by the Constitution. As the High Court has said, that freedom is necessary to support informed electoral choice. It does not, however, guarantee speakers a <a href="http://www6.austlii.edu.au/cgi-bin/viewdoc/au/cases/cth/HCA/2019/11.html">captive audience</a>. In 2022, the Attorney-General’s Department <a href="https://www.ag.gov.au/sites/default/files/2023-02/privacy-act-review-report_0.pdf">proposed</a> narrowing the political exemptions, as part of a suite of updates to the Privacy Act. Per the proposal, parties and representatives would need to be more transparent about their data operations, provide voters with an option to unsubscribe from targeted ads, refrain from targeting voters based on “sensitive information”, and handle data in a “fair and reasonable” manner. The changes would be an overdue but welcome step, recognising the <a href="https://bridges.monash.edu/articles/journal_contribution/Conceptualising_Voter_Privacy_in_the_Age_of_Data-Driven_Political_Campaigning/27330276?file=50073381">essential role</a> of voter privacy in a functioning democratic system. Unfortunately, the government has not committed to taking up the proposal. A bipartisan lack of support is likely the biggest obstacle, even as the gap created by the political exemptions widens, and its rationale becomes flimsier, with each election cycle.<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/255413/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> By <a href="https://theconversation.com/profiles/tegan-cohen-1331144">Tegan Cohen</a>, Postdoctoral Research Fellow, Digital Media Research Centre, <a href="https://theconversation.com/institutions/queensland-university-of-technology-847">Queensland University of Technology</a> 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/why-are-political-parties-allowed-to-send-spam-texts-and-how-can-we-make-them-stop-255413">original article</a>. Image: Shutterstock </div>

Legal

What would – and should – happen to the ABC under the next federal government?

<div class="theconversation-article-body">Who could possibly argue with the idea that the ABC should be efficiently run and produce excellent programs? No one, you would think. So why, then, has there been immediate resistance to Opposition Leader Peter Dutton’s <a href="https://www.smh.com.au/politics/federal/dutton-tells-abc-to-show-excellence-or-face-funding-razor-gang-20250402-p5lofu.html">statement</a> that, if elected next month, a Coalition government would “reward excellence” and “keep funding in place” if the ABC is “being run efficiently”? The fact that Coalition governments – and Dutton himself – have historically been deeply hostile to the public broadcaster is part of it. Many have picked up on the implicit threat that if his government did not find “excellence”, its funding would be cut. But there’s more than that. For example, who defines “excellence” and “efficiency”? Second, the ABC is set up by statute to be run independent of government. Third, the ABC has been subjected to a slew of efficiency reviews, in 1988, 1997, <a href="https://www.abc.net.au/news/2006-03-15/abc-efficient-under-funded-kpmg-report/8183700">2006</a>, <a href="https://www.infrastructure.gov.au/sites/default/files/ABC_and_SBS_efficiency_report_Redacted.pdf?acsf_files%20_redirect">2014</a> and <a href="https://www.infrastructure.gov.au/sites/default/files/2018-national-broadcasters-efficiency-review-redacted.pdf">2018</a>. Overwhelmingly, they found the ABC does more with fewer resources than its counterparts in the commercial media. For example, in 2006, at the behest of the Coalition government led by John Howard, KPMG found the ABC was a “broadly efficient organisation” providing a “high volume of outputs and quality relative to the level of funding it receives”. Let’s translate the consulting-speak. The ABC’s annual budget of $1.2 billion costs $43 per person in Australia. The cheapest subscription to Netflix costs more than twice that amount - $95.88 – and of course the ABC provides much more than a single streaming service. Fourth, Coalition governments’ record of antipathy towards the ABC is most obvious in how they fund it. <hr /> <iframe id="WOgDZ" class="tc-infographic-datawrapper" style="border: 0;" src="https://datawrapper.dwcdn.net/WOgDZ/" width="100%" height="400px" frameborder="0" scrolling="no"></iframe> <hr /> As ABC chair Kim Williams said <a href="https://www.abc.net.au/about/media-centre/speeches-and-articles/abc-chair-kim-williams-am-address-to-the-melbourne-press-club/105132866">last week</a>, in real terms the ABC’s funding is $150 million less than it was in 2013 when the coalition last came to power. This is notwithstanding the current Labor government’s restoring of at least some lost funding. Add to this the fear that Dutton is seeking to emulate Donald Trump. Amid the tempest of economic and social measures the US president has brought in since his inauguration in January, his attacks on public and international broadcasting have passed unnoticed by many. By executive order, Trump has <a href="https://mailchi.mp/poynter/president-trumps-latest-press-target-voice-of-america?e=1e851c3327">abolished Voice of America </a>(VOA), which began during the second world war. VOA has provided news to nearly 50 countries, including those that did not have press freedom. Its broadcasts are by statute meant to be accurate and objective. It has been an arm of soft power diplomacy for the US. Trump has also threatened to defund the public broadcasters, National Public Radio (NPR) and the Public Broadcasting Service (PBS), labelling them “radical left monsters”. The difference between public broadcasting in the US and Australia is that for the former, the government provides only a small percentage of its funding. Most of it comes from donations from citizens, grants from foundations and corporate sponsorship, according to <a href="https://www.forbes.com/sites/antoniopequenoiv/2025/03/27/will-trump-defund-npr-and-pbs-heres-what-we-know-as-president-attacks-the-broadcasters/">a recent report</a> in Forbes. PBS and NPR occupy a smaller part of the overall US media landscape than the ABC and SBS in Australia, but NPR’s reporters in particular have been actively, if dispassionately, reporting on the Trump Mark II administration’s tumultuous first few months. Like the VOA, the ABC’s international broadcasting arm is largely invisible to audiences in its host country. This means any cuts could well pass unnoticed, unlike, say, if the ABC said it could no longer afford to air the children’s TV series, Bluey. Through radio, TV, and now online, the ABC has broadcast to Australia’s neighbours since the second world war, initially as an agent to spread democratic value, but in more recent decades to model effective public interest journalism. The ABC, like the BBC, has a charter of independence. The ABC’s work in the international arena, through Radio Australia and ABC Australia, is vital, not only to bolster national security by providing trusted news and information about Australia and its allies, but by working alongside and supporting local Indo-Pacific news organisations. The Albanese Labor government appears to have understood this threat, providing some extra funding for the international services mostly in response to China’s increased presence in the region, as Alexandra Wake argued in her <a href="https://link.springer.com/book/10.1007/978-3-031-47571-9">2024 book</a> Transnational Broadcasting in the Indo-Pacific. Labor’s funding boost remains inadequate, though, to properly broadcast an Australian voice to the region because, she argued, of increasingly fraught relations between nations, and a complex political and media environment. One of the most pressing priorities now is to extend the Labor government’s Pacific Security and Engagement Initiatives (the original $8 million per year) which is due to end in June 2026. Without this, the ABC will have transmission to the region, but next to no appropriate content. Australia needed to rectify past mistakes by increasing international broadcast funding and protecting that funding from future government cuts. Australia also needed to adopt the long-term thinking that China displayed if it was to counteract China’s strategic ambitions for the region. By closing VOA, Trump and his government efficiency wrecking ball, Elon Musk, have actually left open an opportunity for Australia to lean into the unique strategic advantage granted by Australia’s economic and geographical place in the region. The move to cut US aid supporting journalism extends to smaller outfits such as Benar News Pacific, which recently <a href="https://www.benarnews.org/english/news/philippine/letter-from-editors-benarnews-pauses-operations-04022025104657.html">told its audience</a> it was “pausing operations”. For the past decade, Benar News (and its parent Radio Free Asia) has been reporting across the region on security, politics and human rights. “The US administration has withheld the funding that we rely on to bring our readers and viewers the news from Indonesia, Malaysia, Thailand, Bangladesh, the Philippines and island-states and territories in the Pacific,” it said in a letter from the editors. Such local news services may be small but are a vital bulwark in the multi-polar world Trump seeks to shape.<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/248117/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> By <a href="https://theconversation.com/profiles/matthew-ricketson-3616">Matthew Ricketson</a>, Professor of Communication, <a href="https://theconversation.com/institutions/deakin-university-757">Deakin University</a>; <a href="https://theconversation.com/profiles/alexandra-wake-7472">Alexandra Wake</a>, Associate Professor, Journalism, <a href="https://theconversation.com/institutions/rmit-university-1063">RMIT University</a>, and <a href="https://theconversation.com/profiles/michael-ward-421548">Michael Ward</a>, PhD candidate in media and communications, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a> 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/what-would-and-should-happen-to-the-abc-under-the-next-federal-government-248117">original article</a>. Image: Instagram </div>

Albanese calls May 3 election, with cost of living the central battleground

<div class="theconversation-article-body">Australians will go to the polls on May 3 for an election squarely centred on the cost of living. Prime Minister Anthony Albanese visited Governor-General Sam Mostyn at Yarralumla first thing on Friday morning. Later he told an 8am news conference at parliament house the election choice was “between Labor’s plan to keep building or Peter Dutton’s plan to cut. "Only Labor has the plan to make you better off over the next three years,” he said. “Now is not the time for cutting and wrecking, punching down.” Less than a week after the federal budget and following an earlier delay caused by Cyclone Alfred, the formal campaign starts with government and opposition neck and neck and minority government considered a real possibility. But in recent days, the government has gained more momentum and Labor enters the campaign more confident than at the start of the year. The aggregated January-March quarterly Newspoll had the Coalition leading Labor 51-49%, but Albanese leading Peter Dutton as preferred PM 45% to 40%. A YouGov poll published March 21 had Labor and Coalition on 50-50. Polling only shows a snapshot of the present, and the campaign itself could be crucial to the election result. This is the fourth consecutive election launched off the back of a budget, with both sides this week bidding for voters’ support with big handouts. Labor pushed through legislation for its $17 billion tax cut, the first stage of which comes in mid next year. Opposition leader Peter Dutton in his budget reply promised a 12-month halving of excise on petrol and diesel and a gas reservation scheme. Labor goes <a href="https://www.abc.net.au/news/elections/federal/2025/guide/pendulum">into the election</a> with 78 seats in the lower house, and the Coalition with 57 (counting the seats of two recent Liberal defectors). The large crossbench includes four Greens and half a dozen “teals”. With a majority being 76 seats in the new 150-seat parliament, the Coalition needs to win 19 seats for an outright majority. This would require a uniform swing of 5.3% (although swings are not uniform). A swing of less than 1% could take Labor into minority. The Coalition would need a swing of about 3.6% to end with more seats than the government. While all states are important if the result is close, Victoria and NSW are regarded as the crucial battlegrounds. If the Coalition won, it would be the first time that a first-term government had been defeated since 1931, during the great depression. Since the end of the second world war, while all first term governments have been reelected, each saw a two-party swing against them. One challenge for Albanese is that he has only a tiny majority, providing little buffer against a swing. The combined vote of the major parties will be something to watch, with the vote steadily declining from 85.47% of the vote just 19 years ago at the 2007 election, to only 68.28% at the 2022 election. Labor won the last election with a two-party vote of 52.13% to the Coalition’s 47.87%. As of December 31 2024, 17,939,818 Australians were enrolled to vote. The start of the formal campaign follows a long “faux” campaign in which both leaders have been travelling the length and breadth of the country non-stop, with the government making a series of major spending announcement but the opposition holding back on policy.<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/250774/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <h2>Marginal seats based on the redistribution</h2> <img src="https://oversixtydev.blob.core.windows.net/media/2025/03/Antony-Greens-ABC-Electoral-Pendulum.jpg" alt="" width="1280" height="1535" /> * Seat with a sitting ALP member ** Seat with a sitting Liberal member *** Warringah MP Zali Steggall was elected before the 2022 ‘teals’, but is regarded as one of them. <a href="https://www.abc.net.au/dat/news/elections/federal/2025/guide/FED2025_PostRedistPendulum.pdf" target="_blank" rel="noopener">Antony Green's ABC Electoral Pendulum</a> By <a href="https://theconversation.com/profiles/michelle-grattan-20316">Michelle Grattan</a>, Professorial Fellow, <a href="https://theconversation.com/institutions/university-of-canberra-865">University of Canberra</a> 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/albanese-calls-may-3-election-with-cost-of-living-the-central-battleground-250774">original article</a>. Images: <em style="background-color: #ffffff; color: #212529; font-family: -apple-system, 'system-ui', 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif, 'Apple Color Emoji', 'Segoe UI Emoji', 'Segoe UI Symbol', 'Noto Color Emoji'; font-size: 16px; box-sizing: border-box;">Image credits: LUKAS COCH/EPA-EFE/Shutterstock Editorial <div class="footer-container" style="box-sizing: border-box; color: #212529; font-family: -apple-system, 'system-ui', 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif, 'Apple Color Emoji', 'Segoe UI Emoji', 'Segoe UI Symbol', 'Noto Color Emoji'; font-size: 16px; background-color: #ffffff;"> </div> </div>

Legal

Federal Budget 2025: The short, sharp and – sort of – sweet version

The federal budget is always a massive, jargon-filled beast, but don’t worry – we’ve got your back. Here’s a quick and easy rundown of the key numbers, economic forecasts and big-ticket promises (without making your head spin). Whether it’s tax cuts, energy bill relief, or debt figures that sound like someone’s phone number, this summary gives you the essentials in plain English. THE BIG PICTURE: WHERE THE MONEY’S GOING (AND COMING FROM) Economic Growth: The economy is expected to grow by 1.5% in 2024-25, which isn’t exactly fireworks but at least it’s moving in the right direction. Unemployment Rate: The jobless rate is set to rise to 4.25%, meaning more people might be dusting off their résumés. Inflation: The cost of living squeeze is easing slightly, with inflation forecast to drop to 2.5%, finally giving our wallets a breather. Wages Growth: Paychecks are expected to grow by 3%, so while you won’t be rolling in cash, you might afford an extra coffee per week. Living Standards: Household disposable income is expected to rise a bit faster than planned, so that’s a small win for the grocery bill. Migration: Net overseas migration is slowing down, dropping from 435,000 in 2023-24 to 225,000 by 2026-27, as the government tweaks immigration settings. The Big One: Budget Deficit: The country will be $27.6 billion in the red this year, which sounds bad, but hey, it’s better than some past years. Commonwealth Debt: The nation’s credit card balance will hit $940 billion in 2024-25 before cracking $1 trillion the year after, making it one of the biggest IOUs in Aussie history. Net Debt: The government’s net debt will rise to $556 billion, proving once again that we’re all experts at spending more than we have. WHAT’S IN IT FOR YOU (IF LABOR STAYS IN POWER)? If Labor wins the next election, they’ve got a shopping list of goodies lined up. From tax cuts and cheaper meds to more affordable childcare and a crackdown on dodgy workplace contracts, here’s what they’re promising in order to make life a little easier (or at least a little less expensive). Tax Cuts: Everyone gets a tiny tax break worth about $10 a week, starting in July 2026 – not enough for a holiday, but maybe an extra beer, depending on where you buy your drinks. Energy Bill Relief: Households and small businesses will get $150 off their power bills, because, let’s face it, electricity prices are still a killer. Cheaper Medicines: Prescription drugs will be capped at $25 per script, meaning fewer nasty surprises at the pharmacy checkout. Healthcare Boost: More bulk-billing, 50 new urgent care clinics, and extra funding for nurses and GPs, costing a whopping $9 billion over four years – great news if you hate long waits at the doctor. Childcare Help: Families earning up to $500,000 (yes, you read that right) will get at least three days of subsidised childcare, costing $427 million over five years. First Home Buyer Support: The Help to Buy scheme will get a boost, making it a bit easier for first-home buyers to get into the market (assuming they can still afford avocado toast). Workplace Shake-Up: Banning non-compete clauses for low- and middle-income workers could boost wages by $2,500 a year – so no more weird contracts stopping you from getting a better job. HECS Debt Slash: A 20% cut to student loan debt, wiping $16 billion from the books – a rare win for anyone still haunted by their HECS balance. Disaster Recovery: $1.2 billion is going towards helping communities in southeast Queensland and northern NSW recover from ex-Tropical Cyclone Alfred – because Mother Nature isn’t playing nice. Big Infrastructure Plans: Expect major upgrades like $7.2 billion for Queensland’s Bruce Highway, $2 billion for a new rail hub in Melbourne, and $1 billion for Sydney’s southwest rail corridor – so maybe, just maybe, your commute will be a little less torturous. Defence Spending: A fast-tracked $1 billion investment in guided weapons, submarines and frigates, because apparently, we’re getting serious about military hardware. And that’s the budget in a nutshell! More spending, some relief for households, and a debt number that’ll make your calculator cry. Images: WikiCommons

Money & Banking

How women will shoulder the burden of new care reforms

It’s time to put a ‘gender lens’ on the once-in-a-generation reforms to Australia’s aged care system. There are almost <a href="https://www.gen-agedcaredata.gov.au/topics/people-using-aged-care" target="_blank" rel="noopener">double</a> the number of women compared with men in permanent residential care. Women are also more likely to use home care services. And we do the bulk of unpaid caring for ageing parents and grandparents. In fact, almost 70% of women provide primary care, according to the <a href="https://www.carersnsw.org.au/uploads/main/Files/3.Resources/Policy-Research/Carers-NSW_2022_National_Carer_Survey-Report.pdf" target="_blank" rel="noopener">National Carer Survey</a>. Given these shocking statistics, why is the federal government reducing the quality of care, under its new Support at Home model? This affects women on both sides of the system: as unpaid carers and clients. It’s all to do with pricing. A 10% cap on care management fees will apply from July this year. This means home care service providers may not be able to continue to give older people, who are overwhelmingly women, the level of care they need. “The Aged Care Royal Commission told the sector loudly that Australians expect quality care. The Australian Government went so far to describe what that means in the 2024 Aged Care legislation, so the sector is aghast at the caps on care management, which is critical in supporting vulnerable older people to understand, know and access the support they need to age in place,” Your Side CEO, Danielle Ballantine, says. Capping care management results in the very specialist skills of a care manager being outsourced to family. Inevitably it’s women – especially the sandwich generation – who will shoulder this burden, while trying to hold down jobs and secure their financial future. My sister and I would have been lost without this support when we were caring for Dad in the home, while working full-time and raising our children. Many female carers are forced to cut back their hours of paid work – or leave employment altogether – reducing their earning capacity and financial security. This feeds into the gender pay and superannuation gaps: Women retire with around 25% <a href="https://www.hesta.com.au/stories/bridging-the-gap-for-women-and-super" target="_blank" rel="noopener">less</a> super than men, with many older single women living in extreme poverty. This is undoubtedly an unintended consequence. But it must form part of the federal government’s considerations. “The government is currently consulting with older people, consumer advocates and the sector, with more news on pricing yet to be announced,” Ms Ballantine says. We need women – unpaid carers, aged care workers and clients – to be at the centre of these conversations. Under the proposed changes, most of the services assisting people to be healthy, safe and independent in their later stages of life will be out of <a href="https://www.theweeklysource.com.au/home-care/cut-in-care-management-funding-threatens-high-quality-home-care-say-providers" target="_blank" rel="noopener">reach</a>. Based on the capacity to pay, some older people might not be able to afford a care worker to support them to have a shower. When unpaid carers step in, they often become burned out, increasing the risk of skin tears and falls. Without adequate care management oversight, some of these issues can become life threatening. Is this the way we should be treating older women, many of whom have spent their lives caring for others? Closer to home, is this the future we want for ourselves? Image credits: Shutterstock / Supplied Tracey Spicer AM is a multiple Walkley Award-winning journalist, author and passionate advocate for social responsibility issues. She is an Ambassador for the non-profit aged care provider Your Side.

Money & Banking

Government bails out Rex Airlines

The federal government is set to take on Rex Airlines' $50 million debt in order to keep the company, that collapsed on June 30th 2024, servicing regional Australia. Rex has been struggling to stay afloat in the six months since the company entered voluntary administration, with Ernst and Young (EY) appointed administrators, putting a strain on domestic travel to regional areas. Transport Minister Catherine King and Finance Minister Katy Gallagher announced on Thursday that the government would acquire some of Rex's debt to prevent liquidation, which they said would harm regional and remote communities that rely on the carrier. "By acquiring the debt, the government will become the principal secured creditor and will seek to become a voting member of the Committee of Inspection," the ministers said in a joint statement. "Whilst the accelerated initial sale process undertaken by the administrators in mid-2024 did not find a suitable buyer for the airlines' regional operations, the government continues to work closely with the administrators through the extended convening period." "This makes clear the government's ongoing commitment to maintaining access to aviation services for regional and remote communities, and recognises the critical role of the Rex network to local economies." Ernst and Young has a just few months to secure Rex's commercial future after the Federal Court late last year granted an extension of the voluntary administration to June 30th 2025. Image credits: Shutterstock

Domestic Travel

Superannuation is complicated. A guaranteed government income in retirement would be simpler

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/brendan-coates-154644">Brendan Coates</a>, <a href="https://theconversation.com/institutions/grattan-institute-1168">Grattan Institute</a> and <a href="https://theconversation.com/profiles/joey-moloney-1334959">Joey Moloney</a>, <a href="https://theconversation.com/institutions/grattan-institute-1168">Grattan Institute</a> Having compulsory super should help create a comfortable and stress-free retirement. But Australia’s super system is too complex for retirees to navigate. This can leave them stressed and lacking the confidence to spend their super savings. Our latest report, <a href="https://grattan.edu.au/report/simpler-s%5Buper/">Simpler super: taking the stress out of retirement</a>, recommends the federal government offer all Australians a lifetime <a href="https://moneysmart.gov.au/retirement-income/annuities">annuity</a> - a financial product that pays a guaranteed income for the rest of their lives. This would help retirees stress less, spend more, and enjoy their retirement years. <h2>Stress prompts many to underspend super</h2> For the first time, many Australians are entering retirement with significant super balances: Australians are retiring with an average super balance of more than A$200,000, and couples with about $300,000. <a href="https://grattan.edu.au/news/balancing-act/">Despite having saved enough to be comfortable</a>, four in five people say planning for retirement is complicated, and 60% don’t think their retirements will be financially stress-free. Few retirees draw down on their retirement savings as intended. In fact, many are actually net savers – their savings continue to grow for decades after they retire. <a href="https://grattan.edu.au/report/simpler-super/">Our analysis</a> of the <a href="https://www.abs.gov.au/participate-survey/household-survey/survey-income-and-housing">ABS Survey of Income and Housing</a> shows for those aged 60-64 in 2003-04, average super balances had grown by 37% in real terms by the time they were aged 76-80 in 2019-20. And their average net wealth, which excludes the equity in their home, grew by 14% over the same period. Australia’s <a href="https://www.apra.gov.au/quarterly-superannuation-performance-statistics-highlights-september-2024">$4 trillion</a> compulsory superannuation system is turning into a massive inheritance scheme. That’s not how super was supposed to work. <h2>Retirees are given too little guidance</h2> The super system makes most big decisions for working Australians, such as how much to contribute or how it’s invested. But once we retire there is little guidance about how to use our funds. More than four in five retirees are steered into account-based pensions. But partly because they’re anxious not to outlive their savings, this group manages their spending very cautiously. While on average, an Australian woman aged 65 today can expect to live until 88, they also have a one-in-five chance of either dying before age 81 or of making it to 94. Half of those retirees who use an account-based pension draw their super at legislated minimum rates, which if followed, leave 65% of super balances unspent by average life expectancy. This widespread use of account-based pensions makes Australia a global outlier. Retirees in most rich countries are automatically given – or otherwise strongly encouraged to choose – <a href="https://www.oecd.org/en/publications/2023/12/pensions-at-a-glance-2023_4757bf20.html">an income guaranteed to last their entire lives</a>. Research suggests having an income that is guaranteed to last until death <a href="https://www.researchgate.net/profile/Keith-Bender/publication/23647866_What_Makes_Retirees_Happy/links/0046353578c678a403000000/What-Makes-Retirees-Happy.pdf">can reduce stress</a> and <a href="https://papers.ssrn.com/sol3/papers.cfm?abstract_id=3875802">boost retirees’ spending</a>. <h2>Government could steer retirees into annuities</h2> Our report argues retirees should be encouraged to use 80% of their super balance above $250,000 to purchase an annuity. The government could embed this pre-set guidance throughout the retirement income system. It could be included in all relevant communications with retirees from super funds, and especially at the point of retirement. <a href="https://researchportalplus.anu.edu.au/en/publications/default-and-naive-diversification-heuristics-in-annuity-choice">Research shows</a> that retirees tend to choose the option put in front of them. The remaining super balance – $250,000, plus the remaining 20% of any savings above that level – would continue to be drawn down via an account-based pension. Retirees would still have to access their super for large purchases if needed. Using some super to buy an annuity could boost expected retirement incomes by up to 25%, compared to solely drawing on an account-based pension at legislated minimum rates. And it would ensure that the bulk of retirees’ incomes, irrespective of their super balances, would be guaranteed to last the rest of their lives. <hr /> <iframe id="TYMjG" class="tc-infographic-datawrapper" style="border: 0;" src="https://datawrapper.dwcdn.net/TYMjG/" width="100%" height="400px" frameborder="0" scrolling="no"></iframe> <hr /> <h2>Annuities should be provided by government, not super funds</h2> But steering retirees into annuities offered via super funds is unlikely to work. Super funds <a href="https://www.superreview.com.au/news/superannuation/asfa-urges-against-cipr-longevity-component">have resisted</a> previous attempts by government to <a href="https://consult.treasury.gov.au/development-of-the-framework-for-comprehensive-income-products-for-retirement">require them to offer annuities to retirees</a>. Many people also struggle to understand and compare annuities. They often find it difficult to switch to a better deal later even if they can spot one. Recent <a href="https://www.fca.org.uk/publications/market-studies/retirement-income-market-study">experience in the UK</a> showed when required to purchase an annuity, most people simply took what their fund was offering and often got a poor deal. Designing a regulatory regime that overcomes these issues is a huge challenge. The best option, therefore, is for the government to directly offer annuities. It should offer all retirees a simple lifetime annuity as the baseline option. The government could also offer alternatives including investment-linked annuities, where payments are guaranteed for life, but payments could vary based on investment returns. Priced fairly, and managed by an independent agency, a government annuity would encourage there take-up. Retirees would be more confident that they’re getting a good deal. Annuity payments would be made from the pool of capital created by annuity purchases, with these investments managed by the Future Fund. Under reasonable assumptions we project the government annuity provider could be managing assets totalling 2.5% of GDP by 2040. Superannuation offers Australians the promise of a more comfortable and stress-free retirement. Government-offered annuities can help turn that dream into reality. Esther Suckling made substantial contributions to the research underpinning this article.<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/247383/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/brendan-coates-154644">Brendan Coates</a>, Program Director, Housing and Economic Security, <a href="https://theconversation.com/institutions/grattan-institute-1168">Grattan Institute</a> and <a href="https://theconversation.com/profiles/joey-moloney-1334959">Joey Moloney</a>, Deputy Program Director, Housing and Economic Security, <a href="https://theconversation.com/institutions/grattan-institute-1168">Grattan Institute</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/superannuation-is-complicated-a-guaranteed-government-income-in-retirement-would-be-simpler-247383">original article</a>. </div>

Money & Banking

NSW Government refunds millions of Covid fines

Millions of dollars in fines dished out for breaches of Covid restrictions in NSW are set to be refunded, while close to 24,000 penalty notices will be officially erased. The announcement of the statewide refund by the NSW Fines Administration Commissioner on Tuesday came after legal advice cast doubt on the legal validity of the penalties handed out during Covid lockdowns. In total, more than $5.5 million will be handed back to those who have made either a full or partial payment towards paying off a Covid fine. Those in line for money, or with outstanding penalties, will be contacted by Revenue NSW within days. “Following representations made to the Commissioner of Police and myself concerning the validity of COVID-19 penalty notices, I have decided to exercise my statutory authority and withdraw these notices,” Fine Administration Commissioner Scott Johnston said. “Revenue NSW will be reaching out to all affected customers to support them through the finalisation of their matters.” At the height of the pandemic, the state government claimed they introduced the public health orders to "protect the community". Some fines have already been withdrawn, as in 2022 the Commissioner withdrew about 36,000 penalty notices tied to Covid-related offences because the information on them “made it difficult” for recipients to understand their offence. The remaining 23,539 penalty notices were believed to have provided a clearer explanation and were not withdrawn, but after further legal advice and consideration, it was considered “appropriate” to withdraw them too. Image credits: Xinhua News Agency/Shutterstock Editorial

Legal

The government wants to keep cash alive for buying essentials. Here’s why it’s such a challenge for businesses

<div class="theconversation-article-body"> <a href="https://theconversation.com/profiles/steve-worthington-138">Steve Worthington</a>, <a href="https://theconversation.com/institutions/swinburne-university-of-technology-767">Swinburne University of Technology</a> Cash usage has <a href="https://www.rba.gov.au/publications/bulletin/2023/jun/cash-use-and-attitudes-in-australia.html">fallen off a cliff</a> in Australia, but the federal government says it must have a future. So, it’s going to mandate one. The Australian government will require businesses to accept cash for essentials such as groceries and fuel. Some (yet to be determined) small businesses will be exempt. According to <a href="https://ministers.treasury.gov.au/ministers/stephen-jones-2022/media-releases/ensuring-future-cash-and-next-steps-phasing-out-cheques">Treasury</a>, losing cash as a means of payment would leave too many people behind: <blockquote> Around 1.5 million Australians use cash to make more than 80% of their in‑person payments. Cash also provides an easily accessible back‑up to digital payments in times of natural disaster or digital outage. </blockquote> In its announcement on Monday, Treasury pointed to what had already been achieved with similar schemes in other countries such as Spain and Norway, and a range of US states. It’s an honourable cause. There are, however, some aspects of life in Australia that will present unique challenges for achieving it. <h2>Why does using cash cost so much?</h2> Some merchants in Australia already refuse to accept cash as a means of payment. That means relying entirely on digital payment methods such as bank cards and mobile wallets. It mightn’t be immediately obvious why some businesses don’t like cash. But for many, it’s the most costly payment method to accept. While cash transactions don’t come with a surcharge fee like bank cards, they do carry a wide range of other hidden costs. Businesses typically need to keep a “float” of cash in their tills overnight, so that next day’s early customers can be given change if needed. This float needs to be regularly updated and rebalanced with appropriate currency so the correct change can always be given. Businesses also have to make sure no cash goes missing during their opening hours, count their cash take at the end of each day, make sure it is secure on their premises, and make periodic physical deposits into their bank account. Both maintaining a float and making deposits can involve unpredictable trips to a bank branch or post office throughout the week. <h2>Things are getting harder</h2> For individuals and businesses, getting cash into and out of a bank account is becoming more of a challenge. And if you’re in regional or remote Australia, the nearest location where you can do so may be an hours-long drive away. The most recent <a href="https://www.apra.gov.au/authorised-deposit-taking-institutions-points-of-presence-statistics">figures</a> from the Australian Prudential Regulation Authority (APRA) show that across Australia since 2017, the number of ATMs has fallen by about 60% and the number of bank branches by 41%. Many remaining bank branches have reduced their hours, and some have even stopped dealing in cash entirely, especially in rural and regional areas. Moving cash around the country isn’t getting any easier or cheaper. The dominant provider of cash-in-transit services, Armaguard, has been under <a href="https://theconversation.com/future-of-cash-secured-for-now-as-banks-and-retailers-bail-out-armaguard-233087">sustained financial pressure</a> in recent years. Earlier this year, it secured a deal with Australia’s big four banks and some of its other major customers to receive a $50 million bailout. Some countries facing similar situations – <a href="https://www.link.co.uk/helping-you-access-cash/banking-hubs">including the UK</a> – have persuaded their banks to fund the idea of “banking hubs”. Typically under this model, a location is identified in a regional community and banks collectively share the space, with each bank having one day a week in residence so that nobody is excluded from these services. <h2>Could a regional branch levy help?</h2> Also this month, Treasury proposed a <a href="https://www.afr.com/politics/federal/banks-face-new-levy-to-keep-rural-branches-open-20241115-p5kqwu">new regional services levy</a>, to support what should be the minimum level of banking services in regional areas. Banks with a relatively large regional presence would be cross subsidised by a proportional levy on banks with relatively fewer services in these areas or none at all. This funding would help banks sustain the number of branches, their opening hours and their ATMs. Under the proposal, banks that fell short of baseline requirements could purchase credits from others that did. The reasoning behind these measures is that like <a href="https://www.transparency.gov.au/publications/communications-and-the-arts/australian-postal-corporation/australia-post-annual-report-2022-23/other-important-information/community-service-obligations">Australia Post</a>, banks should have a formal community service obligation. That is, a baseline of minimum services that must be provided. <h2>Questions still to answer</h2> In its <a href="https://ministers.treasury.gov.au/ministers/jim-chalmers-2022/media-releases/ensuring-future-cash-and-next-steps-phasing-out-cheques">media release</a>, Treasury only gave a big picture view of what they wanted to achieve. There are still many questions that need to be resolved before any of its plans can become legislation. Some concern where and how to target support. If regionally focused, how should regional be defined? Which areas and towns prioritised? How should the banks and other financial services providers be required to help support cash use? Exactly which businesses will be affected – and which exempt – must also be clearly defined, along with any enforcement measures. And there is likely to be robust debate over what exactly constitutes the “essentials” for which merchants will be mandated to accept cash payment.<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/243919/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/steve-worthington-138">Steve Worthington</a>, Adjunct Professor, <a href="https://theconversation.com/institutions/swinburne-university-of-technology-767">Swinburne 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/the-government-wants-to-keep-cash-alive-for-buying-essentials-heres-why-its-such-a-challenge-for-businesses-243919">original article</a>. </div>

Money & Banking

"You made me enjoy the game": Federer's emotional retirement letter to Nadal

Roger Federer has penned an emotional tribute to Rafael Nadal ahead of his retirement, reflecting on their stellar careers together. Nadal’s career officially came to an end when Spain was defeated 2-1 by the Netherlands in the Davis Cup quarter-final in Malaga on Wednesday morning, with Nadal in tears as he stepped onto the court for the final time. Thousands of tributes poured in for Nadal as his retirement officially began, but Federer's tribute quickly went viral for his emotional words. “As you get ready to graduate from tennis, I’ve got a few things to share before I maybe get emotional,” Federer said. “Let’s start with the obvious: you beat me - a lot. More than I managed to beat you. You challenged me in ways no one else could. On clay, it felt like I was stepping into your backyard, and you made me work harder than I ever thought I could just to hold my ground." “You made me reimagine my game - even going so far as to change the size of my racquet head, hoping for any edge. I’m not a very superstitious person, but you took it to the next level. Your whole process. All those rituals." “Assembling your water bottles like toy soldiers in formation, fixing your hair, adjusting your underwear … All of it with the highest intensity. Secretly, I kind of loved the whole thing. Because it was so unique - it was so you." “And you know what, Rafa, you made me enjoy the game even more. OK, maybe not at first. After the 2004 Australian Open, I achieved the No. 1 ranking for the first time. I thought I was on top of the world. And I was - until two months later, when you walked on the court in Miami in your red sleeveless shirt, showing off those biceps, and you beat me convincingly." "All that buzz I’d been hearing about you - about this amazing young player from Mallorca, a generational talent, probably going to win a major someday - it wasn’t just hype." “We were both at the start of our journey and it’s one we ended up taking together. Twenty years later, Rafa, I have to say: What an incredible run you’ve had. Including 14 French Opens - historic! You made Spain proud … you made the whole tennis world proud." “And then there was London – the Laver Cup in 2022. My final match. It meant everything to me that you were there by my side – not as my rival but as my doubles partner." “Sharing the court with you that night, and sharing those tears, will forever be one of the most special moments of my career.” Federer signed off the 585-word tribute from “your fan Roger”. Image credits: ANDY RAIN/EPA-EFE/Shutterstock Editorial

Retirement Life

How should Australian media cover the next federal election? Lessons from the US presidential race

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/denis-muller-1865">Denis Muller</a>, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a> Media coverage in Australia of the US presidential election and of the Voice referendum in October 2023 offer some pointers to what we might expect during next year’s federal election campaign. They also suggest some ways in which the professional mass media might better respond to the challenges thrown up by the combination of disinformation, harmful speech and hyper-partisanship that disfigured those two campaigns. The ideological contours of the Australian professional media, in particular its newspapers, have become delineated with increasing clarity over the past 15 years. In part this is a response to the polarising effects of social media, and in part it is a reflection of the increased stridency of political debate. The right is dominated by News Corporation, with commercial radio shock jocks playing a supporting role. The left is more diffuse and less given to propagandising. It includes the old Fairfax papers, The Age and The Sydney Morning Herald, now owned by the Nine Entertainment Company, and Guardian Australia. These contours are unlikely to change much, if at all, between now and the 2025 election. <h2>Impartiality versus ‘bothsidesism’</h2> Under these conditions, how might Australian journalism practice be adapted to better serve democracy under the pressures of an election campaign? The objective would be to contribute to the creation of a political culture in which people can argue constructively, disagree respectfully and work towards consensus. In pursuing that objective, a central issue is whether and how the media are committed to the principle of impartiality in news reports. This principle is under sustained pressure, as was seen in both the presidential election and the Voice referendum. We know from the words of its own editorial code of conduct that News Corp Australia does not accept the principle of impartiality in news reports. Paragraph 1.3 of that code states: <blockquote> Publications should ensure factual material in news reports is distinguishable from other material such as commentary and opinion. Comment, conjecture and opinion are acceptable as part of coverage to provide perspective on an issue, or explain the significance of an issue, or to allow readers to recognise what the publication’s or author’s standpoint is on a matter. </blockquote> This policy authorises journalists to write their news reports in ways that promote the newspaper’s or the journalist’s own views. This runs directly counter to the conventional separation of news from opinion accepted by most major media companies. This is exemplified by <a href="https://uploads.guim.co.uk/2023/07/27/GNM_editorial_code_of_practice_and_guidance_2023.pdf">the policy</a> of The Guardian, including Guardian Australia: <blockquote> While free to editorialise and campaign, a publication must distinguish clearly between comment, conjecture and fact. </blockquote> Appended to The Guardian’s code is the essay written in 1921 by C. P. Scott, first the editor and then the owner-editor of the Manchester Guardian, to mark the newspaper’s centenary. It includes these words: “Comment is free, but facts are sacred”. Referring to a newspaper’s public duty, he added: “Propaganda […] is hateful.” In the present overheated atmosphere of public debate, impartiality has come to be confused with a discredited type of journalism known as “bothsidesism”. “Bothsidesism” presents “both sides” of an issue without any regard for their relative evidentiary merits. It allows for the ventilation of lies, hate speech and conspiracy theories on the spurious ground that these represent another, equally valid, side of the story. Impartiality is emphatically not “bothsidesism”. What particularly distinguishes impartiality is that it follows the weight of evidence. However, a recurring problem in the current environment is that the fair and sober presentation of evidence can be obliterated by the force of political rhetoric. As a result, impartiality can fall victim to its own detached passivity. Yet impartiality does not have to be passive: it can be proactive. During the presidential campaign, in the face of Trump’s egregious lying, some media organisations took this proactive approach. When Trump claimed during his televised debate with Kamala Harris that Haitian immigrants were eating people’s pets in the town of Springfield, Ohio, the host broadcaster, the American Broadcasting Company, fact-checked him in real time. It found, during the broadcast, that there was no evidence to support his claim. <figure><iframe src="https://www.youtube.com/embed/nlCe8iOCJlQ?wmode=transparent&start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe></figure> And for four years before that, The Washington Post <a href="https://www.washingtonpost.com/politics/2021/01/24/trumps-false-or-misleading-claims-total-30573-over-four-years/">chronicled</a> Trump’s lies while in office, arriving at a total of 30,573. <h2>Challenging misinformation</h2> During the Voice referendum, many lies were told about what the Voice to Parliament would be empowered to do: advise on the date of Anzac Day, change the flag, set interest rates, and introduce a race-based element into the Constitution, advantaging Aboriginal and Torres Strait Islander people over others. These were rebutted by the relevant authorities but by then the lies had been swept up in the daily tide of mis- or disinformation that was a feature of the campaign. At that point, rebuttals merely oxygenate the original falsehoods. More damaging still to the democratic process was the baseless allegation by Opposition Leader Peter Dutton that the Australian Electoral Commission had “rigged” the vote by accepting a tick as indicating “yes” but not accepting a cross as indicating “no”. <figure><iframe src="https://www.youtube.com/embed/Y_4H1IQID_M?wmode=transparent&start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe></figure> Opposition Senate leader, Simon Birmingham, also said allowing ticks but not crosses undermined the integrity of the process. The electoral commissioner, Tom Rogers, was reported as repudiating these claims, but by then these lies had acquired currency and momentum. A proactive approach to impartiality requires establishing the truthful position before or at the time of initial publication, then calling out falsehoods for what they are and providing supporting evidence. Neither the principle of impartiality nor any other ethical principle in journalism requires journalists to publish lies as if they might be true. It would not have been a failure of impartiality to say in a news report that Dutton’s claims about a rigged referendum were baseless, with the supporting evidence. That evidence, set out in an <a href="https://antonygreen.com.au/how-many-voters-mark-referendum-ballot-papers-with-a-cross-not-many-based-on-evidence/">excellent example</a> of proactive impartiality by the ABC’s election analyst Antony Green at the time, was that the ticks and crosses rule had been in place since 1988. <h2>‘Proactive impartiality’ is the key to reporting the 2025 election</h2> The question is, do Australia’s main media organisations as a whole have the resources and the will to invest in real-time fact-checking? The record is not encouraging. In March 2024, the ABC dissolved its fact-checking arrangement with RMIT University, replacing it with an in-house fact-checking unit called ABC News Verify. In 2023, a team led by Andrea Carson of La Trobe University published a <a href="https://ijoc.org/index.php/ijoc/article/view/21078">study</a> tracking the fate of fact-checking operations in Australia. Its findings were summarised by her in The Conversation. In the absence of a fact-checking capability, it is hard to see how journalists can perform the kind of proactive impartiality that current circumstances demand. On top of that, the shift from advertising-based mass media to subscription-based niche media is creating its own logic, which is antithetical to impartiality. Mass-directed advertising was generally aimed at as broad an audience as possible. It encouraged impartiality in the accompanying editorial content as part of an appeal to the broad middle of society. Since a lot of this advertising has gone online, the media have begun to rely increasingly on subscriptions. In a hyper-partisan world, ideological branding, or alternatively freedom from ideological branding, has become part of the sales pitch. Where subscribers do expect to find ideological comfort, readership and ratings are at put risk when their expectations are disappointed. Rupert Murdoch <a href="https://apnews.com/article/fox-news-dominion-lawsuit-trial-trump-2020-0ac71f75acfacc52ea80b3e747fb0afe">learned this</a> when his Fox News channel in the US called the 2020 election for Joe Biden, driving down ratings and causing him to reverse that position in order to claw back the losses. These are unpalatable developments for those who believe that fair, accurate news reporting untainted by the ideological preferences of proprietors or journalists is a vital ingredient in making a healthy democracy work. But that is the world we live in as we approach the federal election of 2025.<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/243267/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/denis-muller-1865">Denis Muller</a>, Senior Research Fellow, Centre for Advancing Journalism, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a> Image credits: DEAN LEWINS/EPA-EFE/Shutterstock Editorial - LUKAS COCH/EPA-EFE/Shutterstock Editorial This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/how-should-australian-media-cover-the-next-federal-election-lessons-from-the-us-presidential-race-243267">original article</a>. </div>

Legal

"Disgraceful": Government red tape causes funeral to be cancelled

A local council has cancelled a funeral just 24 hours before it was set to take place due to government red tape. Ever since Shellharbour local Judy passed away, her brother Ron had been working hard to give her a decent send off. However, less than one day before her planned funeral, the Shellharbour Council cancelled the service over an unpaid burial fee. Ron had been liaising with two government agencies to get payment to council for the burial, which <a href="https://9now.nine.com.au/a-current-affair/sydney-council-cancels-funeral-after-government-fails-to-pay-burial-fee-on-time/60cfa883-6a45-4ff7-badd-1a2e4c52b6aa" target="_blank" rel="noopener">A Current Affair</a> said was a matter of one government organisation waiting for a simple sign off from another government agency. Confirmation of the payment came through just one day after the funeral should have gone ahead. Ron was left heartbroken over the cancellation and said the council was "very disrespectful" in their dealings, and said he is owed an apology. "Disgraceful in fact. Low-life mongrels to do that to any family in this sort of situation," Ron told ACA. He says the most devastating part was calling family one by one, including Judy's intellectually disabled son, to deliver the news, as he recalled, "He was in tears. I had to get his support worker over just to calm him down." Shellharbour City Council told A Current Affair via email it was "unable to grant interment rights which are legally required before a burial because the fee hadn't been paid". They went on to say in a statement, "Shellharbour City Council acknowledges the complexity of the burial process and apologises for the hurt the family has experienced." Image credits: A Current Affair

Legal

"Absolute honour": Federer's stirring words as Nadal hangs up his racquet

Roger Federer and Novak Djokovic have led a wave of tributes after Rafael Nadal announced he would be retiring from playing professional tennis. Nadal announced the news in an emotional Instagram video, where he thanked his family, team, friends and loyal fans for their support, while announcing that the David Cup Finals in November would be his last competition. In his video, the Spanish tennis champion also thanked his "greatest rivals" for giving him fierce competition throughout his stellar career. <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-permalink="https://www.instagram.com/reel/DA8EpTsg3iV/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/reel/DA8EpTsg3iV/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by Rafa Nadal (@rafaelnadal)</a> </div> </blockquote> Those great rivals were the first to honour Nadal after his shock announcement, with Roger Federer sharing a photo of their pair sitting side by side, both in tears, as the Swiss great announced his own retirement two years ago. He wrote, “What a career, Rafa! I always hoped this day would never come. Thank you for the unforgettable memories and all your incredible achievements in the game we love. It’s been an absolute honour.” Novak Djokovic also shared a message for Nadal, posting a photo collage of their friendship behind the scenes. “Rafa, one post is not enough to express the respect I have for you and what you have done for our sport,” the 24-time Grand Slam title winner wrote. “You have inspired millions of children to start playing tennis and I think that’s probably the greatest achievement anyone can wish for. Your tenacity, dedication, fighting spirit is going to be taught for decades. Your legacy will live forever." “Only you know what you had to endure to become an icon of tennis and sport in general. Thank you for pushing me to the limit so many times in our rivalry.” Image credits: Daniel Irungu/EPA-EFE/Shutterstock Editorial

Retirement Life

"People are losing faith": Nat Barr takes aim at Albanese government

Prime Minister Anthony Albanese has defended his record on economic management as the Labor party's primary vote continues to slip in the polls against Peter Dutton ahead of next year's election. This week's Newspoll shows that Labor's primary vote has slumped to 31 per cent, the lowest it has been since the 2022 election, while the Coalition remains steady at 38 per cent. On Thursday, Sunrise host Nat Barr told the Prime Minister that while on her way to the studio she had spoken to a Labor-voting taxi driver who said he was "losing faith" in Albanese's leadership, as things were "too expensive". “This is your biggest problem, people like this cabby are losing faith. How do you respond to that?” Barr asked Albanese. Albanese defended his choices by pointing out that ABS figures released on Wednesday showed annual inflation rates at 2.7 per cent in August, down from 3.5 per cent in July, and the lowest it has been since August 2021. “Cost-of-living pressures are real, but that’s why we have engaged with responsible economic management in order to bring inflation down whilst we have been delivering cost-of-living relief,” he said. “Yesterday’s figures show the headline inflation is down from 3.5 to 2.7 (per cent), it is a good outcome. “There’s more work to be done, but we’ve done that whilst we have delivered a tax cut for that cabby who would have got nothing under the previous scheme.” Albanese added that energy bill relief, cheaper childcare, and fee-free TAFE places were also making a difference to cost-of-living pressures. However, Barr hit back and said that the cost-of-living measures such as the energy rebate were “artificial” as the rebate would end. “The RBA has said, this does not mean that inflation is under control. The power rebate is going to end and that’s keeping it at one level at the moment, that’s why they look at underlying inflation — they take out volatile stuff,” Barr said. “So, what do you say about inflation still being at this level?” she asked. “What I say is if you exclude volatile, the figures released yesterday, which are known as month-by-month, but they’re year-to-year … that figure is down from 3.7 down to 3 (per cent). That’s a remarkable drop,” Albanese responded. “The Reserve Bank Australia’s target band is 2 to 3 (per cent). Every single one of the figures yesterday that were released, whether it was headline, excluding volatile, mean, all of them saw significant drops in inflation. “Inflation is half what we inherited and one-third of where it peaked …That is in part because of the back-to-back budget surpluses that we have delivered that in part is, yes, energy bill relief, but also what we’ve done in cheaper childcare, fee-free TAFE, the deliberate policy design to help people whilst putting that downward pressure on inflation,” he said. Image: Sunrise

What the government’s home care changes mean for ageing Australians

<div class="theconversation-article-body"> <a href="https://theconversation.com/profiles/tracy-comans-696663">Tracy Comans</a>, <a href="https://theconversation.com/institutions/the-university-of-queensland-805">The University of Queensland</a> and <a href="https://theconversation.com/profiles/frances-batchelor-2209350">Frances Batchelor</a>, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a> The Albanese government has this week announced it will introduce one of the <a href="https://www.health.gov.au/ministers/the-hon-anika-wells-mp/media/once-in-a-generation-aged-care-reforms">largest reforms</a> to Australia’s aged-care sector to date. The package includes a A$4.3 billion investment in home care, now called “<a href="https://www.health.gov.au/our-work/support-at-home">Support at Home</a>”, to come into effect from July 2025. This reflects both the desire of many people to remain living at home as they age, and the government’s desire to reduce the costs of residential aged care. So what changes is the government making to home care packages? And what will these changes mean for ageing Australians? <h2>Reducing waiting times</h2> One of the major complaints about the current home care system is the long waiting times. Estimates suggest there’s a <a href="https://www.gen-agedcaredata.gov.au/getmedia/447b425c-63d6-4b96-a1fc-4dac805066ba/Home-Care-Packages-Program-data-report-1-January-%E2%80%93-31-March-2024">6–to-12-month wait</a> for the higher level 3 and 4 home care packages. For people with the highest needs, this is far too long. As of March this year, around <a href="https://www.gen-agedcaredata.gov.au/getmedia/447b425c-63d6-4b96-a1fc-4dac805066ba/Home-Care-Packages-Program-data-report-1-January-%E2%80%93-31-March-2024">45,000 people</a> were waiting for any level of home care. An additional 14,000 were already receiving a package, but on a lower level of home care than they were entitled to. With additional funding, the new system will <a href="https://www.health.gov.au/ministers/the-hon-anika-wells-mp/media/once-in-a-generation-aged-care-reforms">support more participants</a>. It aims to shorten wait times to <a href="https://www.health.gov.au/sites/default/files/2024-09/support-at-home-fact-sheet.pdf">an average of three months</a> from July 2027. <h2>Changes to services</h2> The new system will replace the current four levels of home care packages with <a href="https://www.health.gov.au/ministers/the-hon-anika-wells-mp/media/once-in-a-generation-aged-care-reforms">eight classifications</a> of funding for services. When participants are assessed, they will be assigned the most suitable category. There’s currently very limited information on what these classifications are, but the idea is they will provide more targeted services. A number of short-term supports will also be available. These include assistive technology (such as mobility aids) and home modifications. Some people will be able to access 12 weeks of restorative care – a more intensive program designed to build function after injury or illness – as well as palliative care support. The way different types of services are subsidised is also changing. Previously, the same means-tested co-contribution applied regardless of the type of service. Under the new system, services are categorised into clinical care (for example, physiotherapy or wound care), independence (such as help with bathing or cooking) and everyday living (for example, gardening or home maintenance). The new reforms fully subsidise clinical services regardless of income, whereas independence and everyday living services will attract co-contributions based on means testing. For example, <a href="https://www.health.gov.au/sites/default/files/2024-09/case-studies-support-at-home.pdf">a self-funded retiree</a> would pay nothing out of pocket for physiotherapy, but would pay 50% for help with showering and 80% towards gardening costs. A full pensioner would also pay nothing for physiotherapy, but pay 5% for help with showering and 17.5% of the cost of gardening. This is a positive change. Our research has previously highlighted a tendency for people with home care packages to choose everyday living services <a href="https://onlinelibrary.wiley.com/doi/full/10.1155/2023/4157055">such as gardening</a> and cleaning and refuse clinical care such as allied health and nursing as these types of services were more expensive. These changes should make older people more likely to choose allied health and clinical care services, which will help them maintain their function and stay fitter for longer. <h2>Some challenges</h2> For the government’s reforms to deliver faster and better support at home, a number of issues need to be addressed. As people stay at home for longer, we also see that these <a href="https://academic.oup.com/ageing/article/52/5/afad058/7147101">people are frailer</a> and have more health conditions than in the past. This requires a different and more highly skilled home care workforce. The current <a href="https://www.health.gov.au/sites/default/files/documents/2021/10/2020-aged-care-workforce-census.pdf">home care workforce</a> consists largely of personal care and domestic support workers alongside a much smaller skilled workforce of registered nurses and allied health professionals. But with the changing profile of people receiving care at home, there will need to be a greater focus on maintaining functional capacity. This might mean more allied health input will be required, such as from physiotherapists and occupational therapists. It’s difficult to source an appropriately skilled workforce across the sector, and almost impossible in <a href="https://www.ruralhealth.org.au/sites/default/files/publications/fact-sheet-allied-health.pdf">rural and remote areas</a>. Alternative models, such as training personal care workers to act as allied health assistants, and effectively using technology such as telehealth, will be necessary to meet demand without compromising on quality of care. One example of the need for upskilling in specific areas relates to caring for people with dementia. The majority of people who are living with dementia at home receive care from family carers, supported by home care workers. It’s vital that these care workers have adequate knowledge and skills specific to dementia. However, research has shown the home care workforce may <a href="https://pubmed.ncbi.nlm.nih.gov/31646701/">lack the knowledge and skills</a> to provide best-practice care for people living with dementia. Specialised <a href="https://onlinelibrary.wiley.com/doi/10.1002/gps.6140">dementia training</a> for home care workers is effective in improving knowledge, attitudes and sense of competence in providing care. It should be rolled out across the sector. <h2>What about unpaid care at home?</h2> Unpaid carers, such as family members, provide <a href="https://www.pmc.gov.au/resources/draft-national-strategy-care-and-support-economy/goal-1-quality-care-and-support/support-for-informal-carers">significant amounts of care</a> for older people. The value of this unpaid care is estimated to be in the billions. As older people stay at home for longer, this is set to increase even further. However, carers with high care burdens are particularly vulnerable to <a href="https://www.sciencedirect.com/science/article/pii/S2352827316300283#s0025">poor physical and mental health</a>. Without adequate support, we may find extra caring pressures lead to a breakdown in caring relationships and an increase in other health-care costs for both the carer and care recipient. So we need to ensure carers have adequate financial, psychological and practical support. But the currently available detail on the reforms doesn’t indicate this has been adequately addressed. With careful implementation and ongoing evaluation, these reforms have the potential to significantly enhance the home care system. However, their success will depend on addressing workforce challenges, ensuring adequate support for unpaid carers, and maintaining a focus on the holistic needs of older Australians. More information about Support at Home is <a href="https://www.health.gov.au/our-work/support-at-home/about">available online</a>.<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/238890/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/tracy-comans-696663">Tracy Comans</a>, Executive Director, National Ageing Research Institute; Professor, Centre for Health Services Research, <a href="https://theconversation.com/institutions/the-university-of-queensland-805">The University of Queensland</a> and <a href="https://theconversation.com/profiles/frances-batchelor-2209350">Frances Batchelor</a>, Director Clinical Gerontology & Senior Principal Research Fellow, National Ageing Research Institute, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</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/what-the-governments-home-care-changes-mean-for-ageing-australians-238890">original article</a>. </div>

Legal

Even after the government’s aviation crackdown, Australia will lag behind on flyers’ rights

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/ian-douglas-2932">Ian Douglas</a>, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a> When it comes to consumer protections for airline passengers, Australia has long been dragging its feet. The limited protections we do have rely heavily on the general <a href="https://consumer.gov.au/index.php/australian-consumer-law">Australian Consumer Law</a>. The “consumer guarantees” provided in this law only require services to be delivered in the arguably vague framework of a “reasonable time”. That might be okay if we’re just getting a sofa delivered from a furniture retailer. The cost of a late delivery is low. But these guarantees were not tailored to the unique impacts delayed or cancelled flights can have on travellers. Australia’s lack of aviation-specific protections has long been a severe <a href="https://www.accc.gov.au/system/files/Airlines%20Terms%20and%20Conditions%20Report.pdf">pain point</a> for flyers, only heightened by pandemic disruption. The government’s much-awaited <a href="https://www.infrastructure.gov.au/infrastructure-transport-vehicles/aviation/aviation-white-paper">Aviation White Paper</a>, released in full on Monday, promised to address this issue. At the heart of the reforms, Australia will get a new aviation ombud scheme, and a new charter of customer rights for passengers. The recognition that new protections are needed is a step in the right direction. But this once-in-a-generation white paper missed the chance to achieve far more, by moving Australia to the style of consumer protection that have now been offered for 20 years in <a href="https://www.airhelp.com/en-int/ec-regulation-261-2004/">Europe</a>. <h2>Why is air travel unique?</h2> Airline customers have a reasonable expectation of arriving at their destination, at (or close to) the time published by the airline in its schedule at the time the reservation was paid and ticketed. If this can’t be achieved, they should at least arrive at some amended time that was advised far enough in advance to allow related reservations and bookings to be adjusted. Air travel has to be punctual because it doesn’t have any substitutes. On even a modest deadline, driving from Perth or even Sydney to Melbourne, for example, is not a comparable option. And a passenger’s options to adapt their travel plans diminish as the departure date approaches. In the final days before travel, hotel cancellation deadlines pass and alternative connecting flight options sell out or spike in price. In some cases, travelling to a specific event can become pointless for a passenger if a delay is lengthy enough. <h2>Australia is playing catch-up</h2> In contrast with Australia, aviation-specific protections have long existed in many other developed economies. In the European Union (EU), for example, <a href="https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=LEGISSUM%3Al24173">regulations</a> make clear that airlines have specific obligations and responsibilities in the event of delays, cancellations and denied boardings. This includes the <a href="https://www.airhelp.com/en-int/ec-regulation-261-2004/">right to compensation</a> of up to €600 (A$988). These protections and the levels of compensation payable for failure to meet specified requirements for different kinds of flights are comprehensively legislated. Canada has a <a href="https://laws-lois.justice.gc.ca/eng/regulations/SOR-2019-150/index.html">slightly different approach</a> – smaller regional carriers have different obligations to mainline operators. But as with the European regulation, it imposes an obligation to get the passenger to the ticketed destination, or to refund the ticket if the journey has become pointless. The absence of such legislated protections in Australia means we typically have to rely on the goodwill of the airline when things go wrong. <h2>Real action has been delayed</h2> The centrepiece proposal of the <a href="https://www.infrastructure.gov.au/infrastructure-transport-vehicles/aviation/aviation-white-paper">white paper</a> is to create a new ombud scheme with “the power to direct airlines and airports to provide remedies to consumers and investigate customer complaints about airlines’ and airports’ conduct”. This will replace the existing <a href="https://www.airlinecustomeradvocate.com.au/General/Default.aspx">Airline Customer Advocate</a>. A new charter of customer rights, to be produced by the scheme, will aim to give flyers “greater certainty about what they can expect when flights are cancelled and delayed” and require airlines to be more transparent about their performance. The white paper noted the poor on-time performance of Australian carriers. It also pointed out that the Australian Competition and Consumer Commission <a href="https://www.accc.gov.au/system/files/Airlines%20Terms%20and%20Conditions%20Report.pdf">identified</a> problems with consumer protections for air travel in Australia as far back as 2017. But its proposals offer no real quantifiable or enforceable improvements to consumer rights. Despite the well-established models in comparable countries – many of which have <a href="https://theconversation.com/if-australia-had-an-aviation-ombudsman-passengers-could-get-compensation-for-cancelled-flights-235679">followed the EU’s lead</a> – Australians will need to wait for yet another discussion process to be complete before they see what protections may eventually be introduced. The government’s white paper has largely just kicked the can down the road. At a minimum, passengers on Australian carriers deserve the assurances given to those travelling in and from Europe: in the event of a cancellation or long delay, that they will be transported to their destination on an alternative flight as quickly as possible. They should also be given appropriate meals and accommodation until they can make this onward journey, receive compensation for lengthy delays, and have the option to return home with a full refund if their travel has become pointless.<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/237469/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/ian-douglas-2932">Ian Douglas</a>, Honorary Senior Lecturer, UNSW Aviation, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</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/even-after-the-governments-aviation-crackdown-australia-will-lag-behind-on-flyers-rights-237469">original article</a>. </div>

Domestic Travel

Government launches new campaign to tackle elder abuse

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

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