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Millions of Aussies set for a payrise

Millions of low-paid Australian workers will receive a wage boost from July 1, after the Fair Work Commission (FWC) announced a 3.5 per cent increase to minimum and award wages. The decision affects around 2.9 million workers and will lift the national minimum wage from $24.10 to $24.94 an hour – a weekly increase of nearly $32 for full-time employees. The FWC’s ruling strikes a middle ground between competing demands from unions and business groups. The Australian Council of Trade Unions (ACTU) had pushed for a 4.5 per cent rise, citing the need to help workers keep up with the cost of living, while employer groups including the Australian Chamber of Commerce and Industry had argued for a more modest 2.5 per cent hike. The 3.5 per cent rise is slightly below last year’s 3.75 per cent decision, but still exceeds the current annual inflation rate of 2.4 per cent. With the Reserve Bank forecasting inflation to rise to 3.1 per cent by mid-2026 as government energy subsidies wind down, the FWC’s decision offers workers a modest real wage increase. ACTU Secretary Sally McManus said the decision was a lifeline for workers living paycheque to paycheque. “When you’re on those wages, you’re not saving money. Everything you earn, you spend,” she said. “It’s about whether you can keep up with your bills or not, whether your life gets slightly better, stays the same, or goes backwards.” The ACTU had argued that sustained low wage growth in recent years had left many workers falling behind, and that the time had come for wages to catch up. McManus pointed to productivity improvements in sectors such as hospitality and retail – where many award-dependent workers are employed – as justification for a stronger rise. “The commission previously has said, ‘yes, these workers need to catch up, we’ve just got to wait for the right time’. We say now is the right time,” she said. But employer groups warned the decision will pile pressure on businesses already grappling with rising costs and weak consumer spending. The Council of Small Business Organisations Australia, representing many of the nation’s cafes, restaurants and retail stores, argued a 4.5 per cent jump could have triggered job losses or even business closures. “Anything higher than 2.5 per cent would place unsustainable pressure on small businesses, potentially leading to reduced employment opportunities, business closures, and broader economic harm,” the council said in its submission. The federal government stopped short of recommending a specific number, but called for a “sustainable” increase that would keep wages ahead of inflation without undermining economic stability. AMP chief economist Shane Oliver had forecast the 3.5 per cent increase, suggesting it would give workers a real wage gain without fanning the flames of inflation. “It strikes a balance between supporting household spending power and avoiding a wage-price spiral,” he said. While union leaders expressed disappointment that the rise wasn’t higher, the decision is broadly seen as a compromise designed to support both workers and businesses amid a fragile economic recovery. Image: Shutterstock

Money & Banking

RBA cuts interest rate - so what happens now?

<div class="theconversation-article-body"> The Reserve Bank of Australia <a href="https://www.rba.gov.au/media-releases/2025/mr-25-13.html">cut the official interest rate</a> for the second time this year, as it lowered forecasts for Australian economic growth and pointed to increasing uncertainty in the world economy. The bank lowered the <a href="https://www.rba.gov.au/cash-rate-target-overview.html">cash rate target</a> by 0.25%, from 4.1% to 3.85%, saying inflation is expected to remain in the target band. All the big four banks swiftly passed the cut on to households with mortgages. This will save a household with a $500,000 loan about $80 a month. Announcing the cut, the Reserve Bank <a href="https://www.rba.gov.au/media-releases/2025/mr-25-13.html">stressed</a> in its accompanying statement it stands ready to reduce rates again if the economic outlook deteriorates sharply. <blockquote> The Board considered a severe downside scenario and noted that monetary policy is well placed to respond decisively to international developments if they were to have material implications for activity and inflation in Australia. </blockquote> <h2>Inflation is back under control</h2> The latest <a href="https://www.abs.gov.au/statistics/economy/price-indexes-and-inflation/consumer-price-index-australia/latest-release">Consumer Price Index</a> showed that inflation remained around the middle of the Reserve Bank’s <a href="https://www.rba.gov.au/education/resources/explainers/australias-inflation-target.html">medium-term target band of 2-3%</a> in the March quarter. The Reserve Bank was also comforted by the underlying inflation measure called the “trimmed mean”. This measure excludes items with the largest price movements up or down. The bank noted that it has returned to the 2–3% target band for the first time since 2021. This suggests inflation is not just temporarily low due to temporary factors such as the electricity price rebates. <iframe id="QQ6io" class="tc-infographic-datawrapper" style="border: 0;" src="https://datawrapper.dwcdn.net/QQ6io/" width="100%" height="400px" frameborder="0" scrolling="no"></iframe> In February, Reserve Bank Governor Michele Bullock <a href="https://parlinfo.aph.gov.au/parlInfo/download/committees/commrep/28670/toc_pdf/Economics%20Committee_2025_02_21_Official.pdf;fileType=application%2Fpdf">conceded</a> the bank had arguably been “late raising interest rates on the way up”. It did not want to be late on the way down. Perhaps Bullock is being unduly modest. The central bank looks to have judged well the extent of monetary tightening. It did not raise interest rates as much as its peers, but still got inflation back to the target. <iframe id="ZIcUE" class="tc-infographic-datawrapper" style="border: 0;" src="https://datawrapper.dwcdn.net/ZIcUE/" width="100%" height="400px" frameborder="0" scrolling="no"></iframe> <h2>Unemployment remains low</h2> Last week, we got an <a href="https://www.abs.gov.au/statistics/labour/employment-and-unemployment/labour-force-australia/latest-release">update</a> on the strength of the labour market. Unemployment stayed at 4.1%. It has now been around 4% since late 2023, a remarkable achievement. This is below the 4.5% the Reserve Bank had <a href="https://www.rba.gov.au/speeches/2019/sp-ag-2019-06-12-2.html">regarded</a> as the level consistent with steady inflation (in economic jargon, the <a href="https://www.rba.gov.au/education/resources/explainers/nairu.html">NAIRU</a>). But neither prices nor <a href="https://www.abs.gov.au/statistics/economy/price-indexes-and-inflation/wage-price-index-australia/latest-release">wages</a> have accelerated. <iframe id="WYjUU" class="tc-infographic-datawrapper" style="border: 0;" src="https://datawrapper.dwcdn.net/WYjUU/" width="100%" height="400px" frameborder="0" scrolling="no"></iframe> <h2>Households and businesses may turn cautious</h2> In its updated <a href="https://www.rba.gov.au/publications/smp/2025/may/pdf/statement-on-monetary-policy-2025-05.pdf">forecasts</a>, the bank sees headline inflation dropping to 2.1% by mid-year but going back to 3.0% by the end of the year, as the electricity subsidies are removed. By mid-2027, it will be back near the middle of the 2-3% target. Underlying inflation is forecast to stay around the middle of the target band throughout. The Reserve Bank cut its forecast for gross domestic product (GDP) to 2.1% by December, down from its previous forecast of 2.4% made in February. It said: <blockquote> Economic policy uncertainty has increased sharply alongside recent global developments, and this is expected to prompt some households to increase their precautionary savings and some businesses to postpone some investment decisions. </blockquote> The unemployment rate is expected to increase to 4.3% by the end of the year and remain there through 2026. Cost of living pressures look set to ease, as real household disposable income grows faster than population. As the Reserve Bank governor told a media conference on Tuesday: <blockquote> There’s now a new set of challenges facing the economy, but with inflation declining and the unemployment rate relatively low, we’re well positioned to deal with them. The board remains prepared to take further action if that is required. </blockquote> <h2>Economic and policy ‘unpredictability’</h2> The main uncertainty in the global economy is how the trade war instigated by US President Donald Trump will play out. <a href="https://www.washingtonpost.com/business/2025/05/14/trump-tariffs-china-trade/">According to one count</a>, he has announced new or revised tariff policies about 50 times. “The outlook for the global economy has deteriorated since the February statement. This is due to the adverse impact on global growth from higher tariffs and widespread economic and policy unpredictability,” the bank noted. The US tariff pauses on the highest rates on China and most other nations are due to be in place for 90 days. But more measures may be announced before then. This uncertainty is likely to be stifling trade, and even more so investment decisions by companies in the face of rapidly changing policies. And it will weaken the global economy. In her <a href="https://rba.livecrowdevents.tv/MediaConferenceMonetaryPolicyDecision20May2025/stream">press conference</a>, Bullock said the board’s judgement was that “global trade developments will overall be disinflationary for Australia”. Not only is the global outlook weaker, but some goods no longer being sold to the US could be diverted to Australia. <h2>Where will interest rates go from here?</h2> The Reserve Bank’s updated <a href="https://www.rba.gov.au/publications/smp/2025/may/pdf/statement-on-monetary-policy-2025-05.pdf">forecasts</a> assume interest rates will fall further, to 3.4% by the end of the year. But this is just a reflection of what <a href="https://www.rba.gov.au/statistics/cash-rate/assumptions/index.html">financial markets are implying</a>. It is not necessarily what the bank itself expects to do. It is certainty not a promise of what they will do. But the Reserve Bank still regards its stance as “restrictive”, or weighing on growth. So if it continues to believe inflation will stay within the target band, or the global outlook deteriorates, it will cut rates further.<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/256798/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> By <a href="https://theconversation.com/profiles/john-hawkins-746285">John Hawkins</a>, Senior Lecturer, Canberra School of Politics, Economics and Society, <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/rba-cuts-interest-rates-ready-to-respond-again-if-the-economy-weakens-further-256798">original article</a>. Image: Sky News </div>

Money & Banking

Millions of Aussies set to receive cost-of-living pay bump

Prime Minister Anthony Albanese has thrown his government’s support behind a “fair” pay rise for Australia's lowest-paid workers, setting the stage for a potential showdown with employer groups ahead of the Fair Work Commission’s annual wage review. In a submission to the Commission, the federal government recommended a real wage increase – meaning one above the rate of inflation – for around three million Australians earning either the minimum wage or under an industry award. The push is part of Labor’s broader strategy to ease cost-of-living pressures and boost household incomes. “This will help around three million workers across the country, including cleaners, retail workers and early childhood educators,” said Treasurer Jim Chalmers and Employment Minister Amanda Rishworth in a joint statement. “Boosting wages, cutting taxes for every taxpayer and creating more jobs are central parts of our efforts to help Australians with the cost of living.” While the government did not specify an exact figure, it made clear that any increase should outpace inflation, a stance likely to be met with resistance from employers. Business groups, including the Australian Chamber of Commerce and Industry, are calling for a more modest 2.5% increase, warning that anything higher could hurt struggling businesses, especially with superannuation contributions set to rise from 11.5% to 12% on July 1. Last year, minimum wage earners received a 3.75% pay rise, lifting the national minimum wage to $24.10 per hour, or $915.90 per week. With headline inflation then at 3.6%, workers saw only a marginal real wage increase of 0.15%. However, the economic backdrop has shifted. In the year to March, overall wages grew by 3.4% while the consumer price index rose just 2.4%, indicating a real wage growth of 1% for many Australians. Inflation is now within the Reserve Bank’s target band of 2-3%, which the government says supports its call for a generous, yet “economically responsible” wage hike. “An increase in minimum and award wages is consistent with inflation sustainably remaining within the RBA's target band and will provide further relief to lower income workers who are still doing it tough,” Chalmers and Rishworth added. Since Labor took office in 2022, the minimum wage has surged by historically high margins: 5.2% in 2022 – the largest rise in 16 years – and 5.75% in 2023. In total, the minimum wage has increased by $143 per week under the Albanese government. Despite concerns from employers over weak economic growth and rising business costs, the government remains optimistic about a rebound in domestic demand. Its submission acknowledged global risks, including the potential impact of Donald Trump's trade policies, but forecast stronger growth in 2025 and 2026. Prime Minister Albanese reinforced Labor’s commitment to wage growth during a cabinet meeting this week, saying a further increase to the minimum wage would be one of his top priorities heading into the next federal election. “Labor will always stand for improving people's wages and conditions,” he declared. Still, the looming expiry of the government’s $75 quarterly electricity rebates at the end of 2025 poses a risk of reigniting inflationary pressures – something the Fair Work Commission will weigh carefully as it prepares to announce its decision in June. The outcome of the review will directly affect 180,000 workers on the national minimum wage and an additional 2.7 million on industry awards, making it a critical flashpoint in the battle over how best to balance worker welfare and economic sustainability. Images: Instagram

Money & Banking

Older Australians are also hurting from the housing crisis. Where are the election policies to help them?

<div class="theconversation-article-body"> It would be impossible at this stage in the election campaign to be unaware that housing is a critical, potentially vote-changing, issue. But the suite of policies being proposed by the <a href="https://theconversation.com/how-do-the-coalition-and-labor-plans-on-housing-differ-and-what-have-they-ignored-253337">major parties</a> largely focus on young, first home buyers. What is glaringly noticeable is the lack of measures to improve availability and affordability for older people. Modern older lives are diverse, yet older people have become too easily pigeonholed. No more so than in respect to property, where a perception has flourished that older people own more than their fair share of housing wealth. While the value of housing has no doubt increased, home <a href="https://www.aihw.gov.au/reports/australias-welfare/home-ownership-and-housing-tenure#:%7E:text=The%20home%20ownership%20rate%20of,compared%20with%2036%25%20in%202021.">ownership rates</a> among people reaching retirement age has actually declined since the mid-1990s. Older people can also face <a href="https://www.anglicare.asn.au/research-advocacy/rental-affordability/">rental stress and homelessness</a> – with almost 20,000 <a href="https://www.abs.gov.au/statistics/people/housing/estimating-homelessness-census/latest-release">homeless people</a> in Australia aged over 55. Severe housing stress is a key contributing to those homelessness figures. It’s easy to blame older Australians for causing, or exacerbating, the housing crisis. But doing so ignores the fact that right now, our housing system is badly failing many older people too. <h2>No age limits</h2> Owning a home has traditionally provided financial security for retirees, especially ones relying on the age pension. This is so much so, that home ownership is sometimes described as the “fourth pillar” of Australia’s retirement system. But housing has become more expensive – to rent or buy – for everyone. Falling rates of <a href="https://grattan.edu.au/report/money-in-retirement/">home ownership</a> combined with carriage of mortgage debt into retirement, restricted access to shrinking stocks of social housing, and lack of housing affordability in the private rental market have a particular impact on older people. <h2>Housing rethink</h2> Housing policy for older Australians has mostly focused on age-specific options, such as retirement villages and aged care. Taking such a limited view excludes other potential solutions from across the broader housing system that should be considered. Furthermore, not all older people want to live in a retirement village, and fewer than <a href="https://www.abs.gov.au/statistics/health/disability/disability-ageing-and-carers-australia-summary-findings/latest-release#:%7E:text=5.5%20million%20Australians%20(21.4%25),a%20profound%20or%20severe%20disability.">5% of older people</a> live in residential aged care. During my <a href="https://www.churchilltrust.com.au/fellow/victoria-cornell-sa-2019/">Churchill Fellowship study</a> exploring alternative, affordable models of housing for older people, I discovered three cultural themes that are stopping us from having a productive conversation about housing for older people. <ul> <li> Australia’s tradition of home ownership undervalues renting and treats housing as a commodity, not a basic need. This disadvantages older renters and those on low income. </li> <li> There’s a stigma regarding welfare in Australia, which influences who is seen as “deserving” and shapes the policy responses. </li> <li> While widely encouraged, “ageing-in-place” means different things to different people. It can include formal facilities or the family home that needs modifications to make it habitable as someone ages. </li> </ul> These themes are firmly entrenched, often driven by policy narratives such as the primacy of home ownership over renting. In the past 50 years or so, many have come to view welfare, such as social housing, as a <a href="https://www.ahuri.edu.au/research/final-reports/390">last resort</a>, and have aimed to age in their family home or move into a “desirable” retirement village. <h2>Variety is key</h2> A more flexible approach could deliver housing for older Australians that is more varied in design, cost and investment models. The promises made so far by political parties to help younger home buyers are welcome. However, the housing system is a complex beast and there is no single quick fix solution. First and foremost, a national housing and homelessness plan is required, which also involves the states and territories. The plan must include explicit consideration of housing options for older people. Funding for housing developments needs to be more flexible in terms of public-private sector investment and direct government assistance that goes beyond first home buyer incentives. <h2>International models</h2> For inspiration, we could look to Denmark, which has developed numerous <a href="https://www.spatialagency.net/database/co-housing">co-housing communities</a>. Co-housing models generally involve self-managing communities where residents have their own private, self-contained home, supported by communal facilities and spaces. They can be developed and designed by the owner or by a social housing provider. They can be age-specific or multi-generational. Funding flexibility, planning and design are key to their success. Institutional investors include <ul> <li> so-called impact investors, who seek social returns and often accept lower financial returns </li> <li> community housing providers </li> <li> member-based organisations, such as mutuals and co-operatives. </li> </ul> Government also plays a part by expediting the development process and providing new pathways to more affordable ownership and rental options. Europe is also leading the way on social housing, where cultural attitudes are different from here. In Vienna, Austria, more than 60% of residents live in 440,000 <a href="https://www.wienerwohnen.at/wiener-gemeindebau/municipal-housing-in-vienna.html">socially provided homes</a>. These homes are available for a person’s entire life, with appropriate age-related modifications permitted if required. At over 20% of the total housing stock, <a href="https://lbf.dk/om-lbf/english-the-danish-social-housing-model/">social housing</a> is also a large sector in Denmark, where the state and municipalities support the construction of non-profit housing. <h2>Overcoming stereotyes</h2> Our population is ageing rapidly, and more older people are now renting or facing housing insecurity. If policymakers continue to ignore their housing needs, even more older people will be at risk of living on the street, and as a result will suffer poor health and social isolation. Overcoming stereotypes - such as the idea that all older people are wealthy homeowners - is key to building fairer, more inclusive solutions. This isn’t just about older Australians. It’s about creating a housing system that works for everyone, at every stage of life.<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/255391/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> By <a href="https://theconversation.com/profiles/victoria-cornell-2372746">Victoria Cornell</a>, Research Fellow, <a href="https://theconversation.com/institutions/flinders-university-972">Flinders University</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/older-australians-are-also-hurting-from-the-housing-crisis-where-are-the-election-policies-to-help-them-255391">original article</a>. Image: Shutterstock </div>

Money & Banking

Forming new habits can take longer than you think. Here are 8 tips to help you stick with them

<div class="theconversation-article-body"> If you’ve ever tried to build a new habit – whether that’s exercising more, eating healthier, or going to bed earlier – you may have heard the popular claim that it only takes 21 days to form a habit. It’s a neat idea. Short, encouraging and full of promise. But there’s just one problem: it’s not true. The 21-day myth can be traced back to <a href="https://www.amazon.com/gp/product/0671700758/ref=as_li_qf_sp_asin_il_tl?ie=UTF8&camp=1789&creative=9325&creativeASIN=0671700758&linkCode=as2&tag=jamesclear-20&linkId=6DQ32IRAG3LU4PKA">Maxwell Maltz</a>, a plastic surgeon in the 1960s, who observed it took about three weeks for his patients to adjust to physical changes. This idea was later picked up and repeated in self-help books, eventually becoming accepted wisdom. But as psychologists and behavioural scientists have since discovered, habit formation is <a href="https://www.scientificamerican.com/article/how-long-does-it-really-take-to-form-a-habit/">much more complex</a>. <h2>How long does it really take?</h2> A <a href="https://onlinelibrary.wiley.com/doi/10.1002/ejsp.674">2010 study</a> followed volunteers trying to build simple routines – such as drinking water after breakfast or eating a daily piece of fruit – and found it took a median of 66 days for the behaviour to become automatic. We recently <a href="https://www.mdpi.com/2227-9032/12/23/2488">reviewed several studies</a> looking at how long it took people to form health-related habits. We found, on average, it took around two to five months. Specifically, the studies that measured time to reach automaticity (when a behaviour becomes second nature) found that habit formation took between 59 and 154 days. Some people developed a habit in as few as four days. Others took nearly a year. This wide range highlights that habit formation isn’t one-size-fits-all. It depends on what the behaviour is, how often it’s repeated, how complex it is, and who’s doing it. <h2>What determines whether a habit will stick?</h2> Habit strength plays a key role in consistency. A <a href="https://www.frontiersin.org/journals/psychology/articles/10.3389/fpsyg.2021.626750/full">2021 systematic review</a> focused on physical activity and found the stronger the habit (meaning the more automatic and less effortful the behaviour felt) the more likely people were to exercise regularly. It’s not entirely surprising that easy, <a href="https://bjgp.org/content/62/605/664">low-effort behaviours</a> such as drinking water or taking a daily vitamin tend to form faster than complex ones like training for a marathon. But whatever the habit, <a href="https://www.nature.com/articles/s44159-024-00305-0">research shows</a> sticking to it is not just about boosting motivation or willpower. Interventions that actively support habit formation – through repetition, cues and structure – are much more effective for creating lasting change. For example, programs that encourage people to schedule regular exercise at the same time each day, or apps that send reminders to drink water after every meal, help build habits by making the behaviour easier to repeat and harder to forget. Our <a href="https://www.mdpi.com/2227-9032/12/23/2488">research</a>, which drew on data from more than 2,600 people, showed habit-building interventions can make a real difference across a range of behaviours – from flossing and healthy eating to regular exercise. But what stood out most was that even small, everyday actions can grow into powerful routines, when repeated consistently. It’s not about overhauling your life overnight, but about steadily reinforcing behaviours until they become second nature. <h2>8 tips for building lasting habits</h2> If you’re looking to build a new habit, here are some science-backed tips to help them stick: <ol> <li> Give it time. Aim for consistency over <a href="https://www.mdpi.com/2227-9032/12/23/2488">60 days</a>. It’s not about perfection – missing a day won’t reset the clock. </li> <li> <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC3505409/">Make it easy</a>. Start small. Choose a behaviour you can realistically repeat daily. </li> <li> Attach your new habit <a href="https://www.mdpi.com/2227-9032/12/23/2488">to an existing routine</a>. That is, make the new habit easier to remember by linking it to something you already do – such as flossing right before you brush your teeth. </li> <li> <a href="https://www.tandfonline.com/doi/full/10.1080/0144929X.2020.1801840">Track your progress</a>. Use a calendar or app to tick off each successful day. </li> <li> Build in <a href="https://www.sciencedirect.com/science/article/pii/S2212267215011181?casa_token=-VKsr03fXOUAAAAA:pKV0oAB5VVuj8RcPAW5T7prjo3efSVpi6P6TXFoeTLHBX_vFK0ttF6tFM9-8Fp6o45XPu_lcij5d">rewards</a>, for example making a special coffee after a morning walk or watching an episode of your favourite show after a week of consistent workouts. Positive emotions help habits stick, so celebrate small wins. </li> <li> Morning is best. Habits practised <a href="https://psycnet.apa.org/doiLanding?doi=10.1037%2Fhea0000510">in the morning</a> tend to form more reliably than those attempted at night. This may be because people typically have more motivation and fewer distractions earlier in the day, making it easier to stick to new routines before daily demands build up. </li> <li> Personal choice boosts success. People are more likely to stick with habits <a href="https://www.frontiersin.org/journals/psychology/articles/10.3389/fpsyg.2020.00560/full">they choose themselves</a>. </li> <li> <a href="https://onlinelibrary.wiley.com/doi/abs/10.1002/ejsp.674">Repetition</a> in a stable context is key. Performing the same behaviour in the same situation (such as walking right after lunch each day) increases the chances it will become automatic. </li> </ol> <h2>Why the 21-day myth matters</h2> Believing habits form in 21 days sets many people up to fail. When change doesn’t “click” within three weeks, it’s easy to feel like you’re doing something wrong. This can lead to frustration, guilt and giving up entirely. By contrast, understanding the real timeline can help you stay motivated when things feel slow. Evidence shows habit formation usually takes at least two months, and sometimes longer. But it also shows change is possible. Our <a href="https://www.mdpi.com/2227-9032/12/23/2488">research</a> and <a href="https://bjgp.org/content/62/605/664">other evidence</a> confirm that repeated, intentional actions in stable contexts really do become automatic. Over time, new behaviours can feel effortless and deeply ingrained. So whether you’re trying to move more, eat better, or improve your sleep, the key isn’t speed – it’s consistency. Stick with it. With time, the habit will stick with you.<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/255118/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> By <a href="https://theconversation.com/profiles/ben-singh-1297213">Ben Singh</a>, Research Fellow, Allied Health & Human Performance, <a href="https://theconversation.com/institutions/university-of-south-australia-1180">University of South Australia</a> and <a href="https://theconversation.com/profiles/ashleigh-e-smith-201327">Ashleigh E. Smith</a>, Associate Professor, Healthy Ageing, <a href="https://theconversation.com/institutions/university-of-south-australia-1180">University of South Australia</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/forming-new-habits-can-take-longer-than-you-think-here-are-8-tips-to-help-you-stick-with-them-255118">original article</a>. Image: Shuttertock </div>

Mind

Stunning prediction for Aussie homeowners in wake of Trump's trade war

Australian homeowners could see their mortgage repayments tumble by as much as $9,000 annually if Donald Trump’s escalating trade war triggers a global recession, with experts predicting a double interest rate cut as soon as May. As stock markets worldwide reel from the fallout of Trump’s latest trade moves – with China now deeply involved – fears of a US recession are intensifying. On Monday alone, around $100 billion was wiped from the Australian share market amid growing global trade tensions. Yet, for Australian mortgage holders, there could be a surprising silver lining. According to ANZ, homeowners with a $600,000 loan could save between $76 and $156 a month under four forecasted rate cuts of 0.25 per cent each over the next year. For those with a $500,000 mortgage, repayments could fall by about $76 a month, while families with larger $1 million loans could pocket savings of around $153 monthly – amounting to a staggering $9,000 annually. ANZ’s chief economist, Richard Yetsenga, said the Reserve Bank of Australia (RBA) is expected to cut rates in May, July and August. “We now expect the RBA to ease in May, July, and August – 25 basis points at each meeting,” Yetsenga said, adding that a double rate cut of 50 basis points in May is not off the table if global growth deteriorates further. Earlier this year, the RBA trimmed the cash rate by 25 basis points in February, offering homeowners with variable rate loans some relief – saving them around $100 to $150 a month, or potentially more than $1,200 annually. In a stunning prediction, Treasurer Jim Chalmers echoed these forecasts while hinting at up to four interest rate cuts this year, with the potential for a significant 50 basis point cut as early as next month. “The next Reserve Bank interest rate cut in May might be as big as 50 basis points,” Chalmers said. “Forecasting is difficult enough in stable times, but even more so in uncertain times.” Despite the grim outlook for markets, Chalmers offered reassurance, especially for Australians nearing retirement whose superannuation balances are being rocked by market volatility. “Everyone with a super fund, everyone with shares, probably every Australian, is watching the global markets with trepidation,” Chalmers said. “But we are better placed, better prepared, and Australians should take comfort in that.” The Treasurer also voiced concerns about the impact of the trade war on Asia, noting that tariffs are hitting countries like Malaysia, Thailand and Vietnam particularly hard, while China’s economy may prove more resilient. ANZ expects Asian currencies to take the brunt of the adjustment as the tariffs unfold. While uncertainties loom large, for Aussie homeowners at least, the prospect of falling interest rates offers some financial relief in an increasingly unpredictable global economy. Images: Youtube

Money & Banking

Financial markets are tanking. Here’s why it’s best not to panic

<div class="theconversation-article-body"> Financial markets around the world have been slammed by the Trump adminstration’s sweeping tariffs on its trading partners, and China’s swift retaliation. Share markets have posted their biggest declines since the COVID pandemic hit in 2020, as fears of US recession surged. Iron ore, copper, oil, gold and the Australian dollar have all tumbled. On Wall Street, <a href="https://www.reuters.com/markets/sp-500-loses-24-trillion-market-value-biggest-one-day-loss-since-2020-2025-04-03/">leading indices</a> have fallen around 10% since the tariffs were announced, while the tech-heavy Nasdaq is down 20% from its recent peak. European and Asian markets have also slumped. In Australia, the key S&P/ASX 200 slid another 4.2% on Monday to levels last seen in December 2023, taking its three-day losses since the announcement to more than 7%. <hr /> <iframe id="AJ2rZ" class="tc-infographic-datawrapper" style="border: 0;" src="https://datawrapper.dwcdn.net/AJ2rZ/" width="100%" height="400px" frameborder="0" scrolling="no"></iframe> <hr /> <h2>Why are markets reacting so badly?</h2> Financial markets reacted so negatively because the tariffs were much larger than expected. They represent the <a href="https://www.abc.net.au/news/2025-04-05/trump-tariffs-upend-80-year-old-world-economic-order/105139464">biggest upheaval</a> in global trade in 80 years. Many traders were hoping the tariffs would be used mainly as a bargaining tool. <a href="https://finance.yahoo.com/news/live/trump-tariffs-live-updates-trump-digs-in-says-markets-may-have-to-take-medicine-as-stock-futures-plunge-191201959.html">But comments</a> by US President Donald Trump that markets may need to “take medicine” seem to suggest otherwise. The tariffs are expected to weaken economic growth in the US as consumers pare back spending on more expensive imports, while businesses shelve investment plans. Leading US bank JP Morgan has put the <a href="https://www.reuters.com/markets/jpmorgan-lifts-global-recession-odds-60-us-tariffs-stoke-fears-2025-04-04/">chance of a US recession</a> as high as 60%. This comes at a time when the US economy was already looking fragile. The highly regarded GDPNow model developed by the <a href="https://www.atlantafed.org/cqer/research/gdpnow">Atlanta Federal Reserve Bank</a> indicates US March quarter GDP will fall 2.8%, and that was before the tariff announcement. <h2>Worries about global growth</h2> Fears of a recession in the United States and the potential for a global downturn has led to a broad sell-off in commodity prices, including iron ore, copper and oil. Further, the Australian dollar, which is seen as a barometer for risk, has <a href="https://wise.com/au/currency-converter/currencies/aud-australian-dollar">fallen below 60 US cents</a> in local trading – its lowest level since 2009. While the direct impact of tariffs on Australia is expected to be modest (with around 6% of our exports going to US), the indirect impact could be substantial. China, Japan and South Korea together take more than 50% of Australia’s exports, and all have been hit with significantly higher tariffs. Treasurer Jim Chalmers said on Monday that the direct impact on the Australian economy would be “<a href="https://www.abc.net.au/news/2025-04-07/asx-markets-business-news-live-updates/105144276">manageable</a>”. The full effect on Australia will depend on how other countries respond, and whether we can redirect trade to other markets. The rapid decline in the Australian dollar will help offset some of the negative effects associated with a global downturn and the fall in commodity prices. We can also expect some interest-rate relief. Economists are now predicting <a href="https://www.afr.com/markets/debt-markets/traders-expect-up-to-five-rba-rate-cuts-amid-market-turmoil-this-year-20250407-p5lpo0">three further interest rate cuts</a> by the Reserve Bank, starting in May. This brings economists into line with financial market forecasts. <h2>Hang in there, markets will recover</h2> Watching equity markets tumble so dramatically can be unsettling for any investor. However, it is important to note that equity markets have experienced many downturns over the past 125 years due to wars, pandemics, financial crises and recessions. But these market impacts have generally been temporary. <hr /> <iframe id="lsNFF" class="tc-infographic-datawrapper" style="border: 0;" src="https://datawrapper.dwcdn.net/lsNFF/" width="100%" height="400px" frameborder="0" scrolling="no"></iframe> <hr /> History suggests that over the long term, equity prices continue to rise, supported by growing economies and rising incomes. The key thing for investors to remember is to not panic. Now is not the time to decide to switch your superannuation or other investments to cash. This risks missing the next upswing while also crystallising any current losses. For example, despite the steep market sell-off in March 2020 as the first COVID lockdowns came into effect, the Australian share market had completely recovered those losses by June 2021. It is good practice for investors to regularly reassess their risk profile to make sure it is right for their current stage of life. This means reducing the allocation to riskier assets as investors get closer to retirement age, while also maintaining a cash buffer to avoid having to sell assets during more turbulent periods such as now. <h2>Super funds are exposed to global risks</h2> The current sell-off has highlighted a potential issue facing the superannuation industry. So much of our superannuation is now invested in global equity markets, mostly in the US, because Australia’s <a href="https://www.abc.net.au/news/2025-04-02/australia-superannuation-retirement-savings/105098840">superannuation savings pool</a> – at more than A$4 trillion – has outgrown the investment opportunities available in Australia. Another issue facing the superannuation industry is the growth of cyber attacks, with several funds <a href="https://theconversation.com/hackers-have-hit-major-super-funds-a-cyber-expert-explains-how-to-stop-it-happening-again-253835">targeted in a recent attack</a>. Given the massive size of the assets held by some funds, it would seem they need to improve their security to be on par with that of the banking system.<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/253929/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> By <a href="https://theconversation.com/profiles/luke-hartigan-1491669">Luke Hartigan</a>, Lecturer in Economics, <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/financial-markets-are-tanking-heres-why-its-best-not-to-panic-253929">original article</a>. Image: Shutterstock </div>

Money & Banking

‘Behind every claim is a grieving family’. Death benefits inquiry update

<div class="theconversation-article-body"> When Lisa’s husband passed away unexpectedly, she assumed accessing his superannuation <a href="https://www.ato.gov.au/individuals-and-families/super-for-individuals-and-families/super/withdrawing-and-using-your-super/superannuation-death-benefits">death benefit</a> would be straightforward. Instead, she spent months navigating a bureaucratic maze. She repeatedly sent documents, waited weeks for callbacks and struggled to get answers from his fund. Her experience is far from unique. A damning <a href="https://asic.gov.au/regulatory-resources/find-a-document/reports/rep-806-taking-ownership-of-death-benefits-how-trustees-can-deliver-outcomes-australians-deserve/">new report</a> reveals systemic failure by Australia’s <a href="https://www.superannuation.asn.au/resources/super-stats/#:%7E:text=Total%20superannuation%20assets%20were%20%244.2,with%20more%20than%20six%20members.">A$4 trillion</a> superannuation industry in handling members’ death benefits. <h2>A system in disarray</h2> The Australian Security and Investments Commission’s landmark review of ten major super trustees, managing 38% of super assets, exposes an industry that is not serving its members. Grieving families routinely face excessive delays, insensitive treatment and unnecessary hurdles when trying to access death benefits. It found they sometimes waited over a year for payments to which they were legally entitled. The central problem was a fundamental breakdown in claims processing, with five critical failures exacerbating inefficiency and distress. 1. Poor oversight No trustee monitored end-to-end claims handling times, leaving boards unaware of how long families were waiting. While the fastest trustee resolved 48% of claims within 90 days, the slowest managed just 8%. In one case, a widow waited nearly a year despite her husband having a valid binding nomination. ASIC found 78% of delays stemmed from processing inefficiencies entirely within trustees’ control. 2. Misleading and inadequate information Many funds misled on processing times and masked extreme delays. Boards often received reports only on insured claims, despite most death benefits not involving insurance. This meant boards were unable to fix systemic problems. 3. Process over people Risk-averse procedures often overrode common sense. Many funds imposed claim-staking – delaying payments for objections – even for straightforward cases, adding a median 95 day delay. Communication failures further compounded delays, with claimants receiving inconsistent advice and few or no status updates. 4. Outsourcing without accountability Claims handled in-house were processed significantly faster than those managed by external administrators. Only 15% of outsourced claims were resolved within 90 days, compared to 36% of in-house claims. The securities commission is calling for stronger oversight. External administrators significantly slow down responses, so some funds may need to bring claims processing back in-house to ensure efficiency. 5. Lack of transparency Many funds failed to provide clear timelines or explanations for delays and had no accountability mechanisms. The ten funds investigated include the Australian Retirement Trust, Avanteos (Colonial First State), Brighter Super, Commonwealth Superannuation Corporation, HESTA, Hostplus, NM Super (AMP), Nulis (MLC), Rest and UniSuper. Two others, <a href="https://www.abc.net.au/news/2025-03-12/asic-sues-australian-super-death-processing-benefit-claims-delay/105040450">Australian Super and Cbus</a>, are being sued separately by ASIC for either failing to pay out or delaying payments to thousands of eligible beneficiaries. <figure class="align-center zoomable"><a href="https://images.theconversation.com/files/658866/original/file-20250401-56-jrqwbg.png?ixlib=rb-4.1.0&q=45&auto=format&w=1000&fit=clip"><img src="https://images.theconversation.com/files/658866/original/file-20250401-56-jrqwbg.png?ixlib=rb-4.1.0&q=45&auto=format&w=754&fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/658866/original/file-20250401-56-jrqwbg.png?ixlib=rb-4.1.0&q=45&auto=format&w=600&h=405&fit=crop&dpr=1 600w, https://images.theconversation.com/files/658866/original/file-20250401-56-jrqwbg.png?ixlib=rb-4.1.0&q=30&auto=format&w=600&h=405&fit=crop&dpr=2 1200w, https://images.theconversation.com/files/658866/original/file-20250401-56-jrqwbg.png?ixlib=rb-4.1.0&q=15&auto=format&w=600&h=405&fit=crop&dpr=3 1800w, https://images.theconversation.com/files/658866/original/file-20250401-56-jrqwbg.png?ixlib=rb-4.1.0&q=45&auto=format&w=754&h=509&fit=crop&dpr=1 754w, https://images.theconversation.com/files/658866/original/file-20250401-56-jrqwbg.png?ixlib=rb-4.1.0&q=30&auto=format&w=754&h=509&fit=crop&dpr=2 1508w, https://images.theconversation.com/files/658866/original/file-20250401-56-jrqwbg.png?ixlib=rb-4.1.0&q=15&auto=format&w=754&h=509&fit=crop&dpr=3 2262w" alt="A list of key findings from the ASIC Taking ownership of death benefits report" /></a><figcaption><a class="source" href="https://asic.gov.au/regulatory-resources/find-a-document/reports/rep-806-taking-ownership-of-death-benefits-how-trustees-can-deliver-outcomes-australians-deserve/">Taking ownership of death benefits: How trustees can deliver outcomes Australians deserve, ASIC, March 2025</a>, <a class="license" href="http://creativecommons.org/licenses/by-sa/4.0/">CC BY-SA</a></figcaption></figure> <h2>Will ASIC’s fixes work?</h2> ASIC has made 34 recommendations to improve death benefit processing. This will require real change, not box ticking. Changes should include setting performance objectives and empowering frontline staff to cut unnecessary steps. There should be consequences for failure. Unlike the <a href="https://www.gov.uk/browse/benefits/bereavement">United Kingdom</a>, which fines pension providers for missing statutory deadlines, ASIC’s recommendations lack penalties. Without consequences, some funds may continue prioritising administrative convenience over members receiving their entitlements. <h2>What needs to happen now?</h2> ASIC’s report is a wake-up call, but real reform requires strong action. Super funds must be held to clear, binding processing timelines, with meaningful penalties for non-compliance. Standardising requirements across the industry would eliminate unnecessary hurdles, ensuring all beneficiaries are treated fairly. Beyond regulation, funds must improve communication and accountability. Bereaved families deserve clear, plain language guidance on what to expect, not bureaucratic roadblocks or sudden document requests. Technological upgrades should focus on reducing delays, not just internal efficiencies. And to better support families, an independent claims advocate could help navigate the process, ensuring no one is left to struggle alone. <h2>Has ASIC gone far enough?</h2> While ASIC’s review is a step in the right direction, it does not fundamentally overhaul flawed claims-handling practices. The recommendations lack enforceability, relying on voluntary compliance. Also, the role of insurers within super remains largely unaddressed, despite death benefits being tied to life insurance policies. This often causes further complications and delays. Ensuring insurers adopt and apply ASIC’s recommendations will be critical for meaningful change. Most importantly, super funds must remember that behind every claim is a grieving family. No one should have to fight for what they are owed during one of the most stressful times in their life.<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/253419/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> By <a href="https://theconversation.com/profiles/natalie-peng-1369555">Natalie Peng</a>, Lecturer in Accounting, <a href="https://theconversation.com/institutions/the-university-of-queensland-805">The University of Queensland</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/behind-every-claim-is-a-grieving-family-death-benefits-inquiry-demands-change-but-lacks-penalties-253419">original article</a>. Image: Shutterstock </div>

Legal

Woman cops $806 fine for camping in her own driveway

Here's one that will have legal scholars scratching their heads and homeowners clutching their deeds: Gold Coast resident Belinda Hunt has been fined $806 for the heinous crime of catching some shut-eye in her own driveway. Yep, that's right. Sleeping. In a van. On her own land. Belinda, a forward-thinking Aussie simply trying to save some cash while waiting for her new home to be built, found herself on the wrong side of the law when police and a council ranger came knocking on her van door at 1:30am. Their concern? That she was a homeless person illegally camping on public property. Never mind the minor detail that her driveway is, in fact, private property. "I pointed out the address on my driver's licence is the same as my property and also told them to check my registration details... they could clearly see that I owned the property," Belinda recounted to her (for now) 8,904 followers, presumably while resisting the urge to hand them a map and a magnifying glass. The authorities, unfazed by logic, proceeded to issue her a fine for "unlawful camping in a public place", despite the glaringly obvious fact that she was neither in a public place nor engaging in anything particularly unlawful. Unless, of course, getting a good night’s rest is now considered an offence in Queensland. Adding insult to injury, Belinda was reportedly advised to "present to the Department of Housing"– a stunning suggestion, considering she was already standing on the land where her future house would soon exist. "They spoke to me as if I was a criminal and doing something wrong. He [the police officer] said that it is illegal to reside in a vehicle on the Gold Coast," she said, undoubtedly wondering if the same law applied to cars parked at McDonald's drive-throughs at 2am. Belinda, understandably rattled by the experience, plans to fight the fine. But in the meantime, her case raises some troubling questions: Is it now illegal to camp in one’s own driveway? Should homeowners fear being charged with "loitering" in their backyards? And, most importantly, does the Gold Coast Council intend to start issuing fines for illegal napping? Authorities claim such regulations are necessary to kerb an increase in illegal camping, particularly in tourist-heavy areas. But as Belinda’s case proves, there’s a fine line between cracking down on rogue campers and charging hardworking Aussies for existing on their own land. For now, residents of the Gold Coast are advised to sleep with one eye open – preferably inside a house, lest they fall victim to the long arm of the camping law. Images: TikTok

Legal

Welcome to the "please pull me over" club

If you're like me – and most Aussie drivers – I do my best to avoid being pulled over. I check my mirrors, stick to the speed limit (mostly), and keep my rego up to date. But for some "people" out there, the road rules are more of a vague suggestion than a requirement. Enter the sovereign citizen number plate fiasco – because what better way to invite the attention of the cops than slapping an illegal plate on your car? In Adelaide this week, one particularly bold Toyota driver decided to test the limits of both the law and common sense by cruising around with a number plate that simply read "PRIVATE". If that wasn’t enough to get the attention of South Australia Police, the plate also featured the cryptic phrase "Special Trust Security" below that in tiny letter. Because nothing says "totally legitimate vehicle" like an official-looking but entirely made-up title. A sharp-eyed local spotted this masterpiece of vehicular rebellion and did what any responsible citizen would do: posted it online for all of Australia to mock. "What the F are these? Surely not legal?" they asked, unknowingly triggering a flood of gleeful internet ridicule. "They're plates which will guarantee SAPOL will pull them over at their first opportunity," one commenter noted. Others speculated that the driver might be part of the ever-growing "sovereign citizen" movement – a loose collection of legal theorists whose main belief is that laws are just an optional lifestyle choice. SAPOL wasted no time <a href="https://au.news.yahoo.com/drivers-bizarre-number-plate-prompts-933-fine-warning-not-legal-010747837.html" target="_blank" rel="noopener">confirming that these plates were, in fact, highly illegal</a>. Not just "a slap on the wrist" illegal – more like "here's a $933 fine before you even get to say 'but my rights!'" illegal. "These plates appear fake and are not plates that have been issued by SA Department for Infrastructure and Transport," a police spokesperson told Yahoo News. Translation: They might as well have written their rego number on a napkin. The online reaction was ruthless. "It’s the best way to show off your dreadful understanding of the law to an already disinterested police officer," one person quipped. Another called it "a sovereign citizen in the wild", while a third dubbed them "please pull me over plates". The internet, as always, did not disappoint. But this isn't a one-off. In 2023, a photo surfaced of a Holden in Queensland sporting an even more outlandish plate. This one featured the text "Private Property Non-Commercial, Living Woman, Terra Australia Incognito", and even claimed that removing the plate would incur a $50,000 fine. Extra points for creativity, but again, zero points for legal accuracy. Even more baffling, the plate included a real registration number – in absurdly tiny print. Presumably for that tiny sliver of plausible deniability. While most of us are content to pay our rego and drive without incident, these rogue motorists seem determined to treat traffic laws like a choose-your-own-adventure book. Unfortunately for them, SAPOL isn't in the habit of playing along. So next time you see someone cruising around with an official-looking but entirely nonsensical number plate, just remember – they’re not just driving, they’re providing free entertainment for the rest of us. Images: Reddit

Legal

To tip or not to tip? Kyle weighs in on the great debate

In a country where tipping is about as popular as warm beer, Kyle Sandilands has somehow managed to ignite a national debate with his bold approach after revealing his personal tipping policy: doubling the bill. While everyday Australians are grumbling about feeling "under surveillance" by watchful waitstaff, Sandilands has effectively turned the concept of tipping on its head by making it rain on every meal. “Whatever the bill is, I’ll pay that again,” he declared on air, leaving co-host Jackie O and newsreader Brooklyn Ross stunned. The revelation has sparked a flurry of reactions, ranging from admiration to outright panic. Many hospitality workers have suddenly discovered a newfound appreciation for Sandilands, with one Sydney waiter reportedly seen frantically Googling his favourite restaurants in hopes of securing a booking. Meanwhile, local economists are nervously clutching their calculators. "If this catches on, we could see a rapid rise in inflation, an economic boom in hospitality, or Kyle Sandilands accidentally becoming Australia's next Reserve Bank governor," speculated one financial analyst. Not everyone, however, is on board with the tipping craze. Outraged anti-tipping Australians have taken to social media, decrying the practice as "un-Australian" and a gateway to the country becoming “the 51st state of America”. One particularly passionate commenter warned, "This is how it starts! First, it's tipping, then it's calling football ‘soccer’, and next thing you know, we’re driving on the right side of the road!" Despite the uproar, Sandilands seems unfazed. With his unique approach, he may have found a loophole in Australia’s new EFTPOS tipping culture – if everyone else sticks to the modest 5-25% suggested range, he might actually be saving money. “You’re doubling the cost,” Ross pointed out in disbelief. “I’ll save big time,” Sandilands responded, seemingly unconcerned with mathematical realities. As for whether his fellow Australians will follow suit or hold the line against tipping tyranny, only time will tell. One thing’s for sure: if you see Kyle Sandilands dining out, you might want to consider switching tables – and bringing an extra billfold. Images: KIIS FM

Money & Banking

Drivers warned of new fines ahead of major change to speeding cameras

Transport officials in New South Wales are set to expand the use of average speed cameras beyond heavy vehicles to include all motorists. This initiative, which will take effect on May 1, is aimed at curbing the rising number of road fatalities across the state. Currently, average speed cameras, also known as point-to-point cameras, are used to only monitor heavy vehicles. However, cameras along two major highways – a 15km stretch of the Pacific Highway between Kew and Lake Innes, and the Hume Highway between Coolac and Gundagai – will soon track the speeds of all vehicles, according to Transport for NSW. These locations have been identified as high-risk crash zones. The implementation follows a steady rise in road fatalities across Australia in recent years, prompting authorities to take stronger measures against speeding. Unlike traditional speed cameras that capture speed at a single point, average speed cameras measure a vehicle's speed over a set distance. By recording the time a vehicle passes through two fixed points, authorities can determine whether the vehicle exceeded the legal speed limit along that stretch. This method discourages drivers from merely slowing down for fixed cameras before speeding up again. NSW imposes significant penalties for speeding, with fines varying based on the severity of the offence. Light vehicle drivers caught exceeding the speed limit by more than 45 km/h face a maximum fine of $3,300, while heavy vehicle drivers can be fined up to $5,500. Additionally, offenders risk a minimum six-month licence disqualification. To ease the transition, the new enforcement system will undergo a two-month trial period. From May 1 to June 30, motorists caught exceeding speed limits in the designated areas will receive warning letters rather than fines. However, starting July 1, full penalties, including fines and demerit points, will apply. Dr Ingrid Johnston, CEO of the Australasian College of Road Safety (ACRS) spoke recently about the need for more urgent measures to minimise road trauma. She has advocated for broader road safety initiatives, including speed cameras and reduced speed limits in areas with high pedestrian and cyclist activity. NSW Minister for Roads, John Graham, also reinforced the importance of the initiative, citing global studies that show average speed cameras significantly reduce road injuries and fatalities. "We know that speed remains our biggest killer on the road, contributing to 41 per cent of all fatalities over the past decade," he stated. The government aims to ensure motorists are well-informed about the changes. All affected locations will feature warning signs, and a community awareness campaign will support the transition. Image: Shutterstock

Money & Banking

Farewell, Your Majesty: Major change coming to Aussie fiver

The Reserve Bank of Australia (RBA) has announced a new theme for the Aussie fiver, designed to honour the “enduring emotional, spiritual and physical connection of First Nations peoples to Country”. “This inspiring theme will guide the creation of an artwork that will feature on the redesigned banknote,” said Michelle McPhee, RBA’s Assistant Governor of Business Services. The selection of this theme followed an extensive national campaign, receiving over 2,100 theme nominations from the public. For the first time since 1992, the $5 note will not feature the late Queen Elizabeth II, who had appeared on the denomination for more than 30 years. Breaking with tradition, the RBA confirmed that the redesigned note would not bear a portrait of any monarch, meaning King Charles will also be absent from the new design. However, the reverse side of the note will continue to depict the Australian Parliament building. Since the 1960s, the $5 banknote has undergone four major redesigns, with the most recent update in 2016. When Queen Elizabeth II’s portrait was first introduced in 1992, it replaced humanitarian Caroline Chisholm, a decision that was met with criticism at the time. The RBA defended its choice, citing Australia’s status as a constitutional monarchy and the tradition of including the reigning monarch on at least one banknote. The new banknote is expected to take several years to be designed, printed and circulated. The process of selecting an artist for the design is currently underway, with more details to be revealed in the coming months. The development of the note will also involve incorporating advanced security features to prevent counterfeiting. While the new design is in progress, the existing $5 note will continue to be issued. Meanwhile, Australian coins, which are produced by the Royal Australian Mint, will maintain the tradition of featuring the monarch. Images: RBA

Money & Banking

Australia denied exemption from Trump tariffs

<div class="theconversation-article-body"> Australia has failed to win an exemption from Donald Trump’s 25% tariffs on aluminium and steel, but the government has vowed to fight on for a carve out. The White House spokeswoman, Karoline Leavitt, told Australian media in Washington “there will be no exemptions” from the tariffs, which come into effect imminently. Pressed on why, she said “America First steel”. She said, “If they want to be exempted, they should consider moving steel manufacturing here”. Deputy Prime Minister Richard Marles said the government would continue to lobby for an exemption. He pointed out it had taken the Coalition government many months to win a carve out from tariffs under the first Trump administration. “Tariffs don’t make any sense, it’s an act of kind of economic self harm. We’ll be able to find other markets for our steel and our aluminium and we have been diversifying those markets. But we’re obviously really disappointed with this. "I would say, though, we’ll keep advocating to the United States on this issue. Last time around it was nine months before we got an exemption in relation to steel and aluminium out of the Trump administration in its first term. So, we’ll keep pressing the case, we’ll keep diversifying our own trade. But look, there’s no hiding this, we’re really disappointed with this decision.” Opposition deputy leader Sussan Ley said the government “just hasn’t done enough”. “All of the other leaders of the Quad and AUKUS, Japan, India, the UK, travelled to the US, and they had face-to-face meetings, and they did what they needed to do. They advocated fiercely in their country’s interests, but this prime minister has been nowhere to be seen.” But given no exemptions are being provided, a personal trip by the Albanese would likely have had little effect. The PM made the case for an exemption to the president in a call some weeks ago. In that conversation Trump indicated he would consider Australia’s case, but the government quickly became pessimistic about the administration giving it a special deal. BlueScope, while expressing disappointment, saw one silver lining. “BlueScope produces more than 3 million tonnes of steel per annum at its NorthStar BlueScope plant in Delta, Ohio. As the US tariffs come into effect the company expects to see the positive impact from an improvement in steel prices.” Former prime minister Malcolm Turnbull this week predicted Trump would shy away from exemptions this time around. While some observers said Turnbull’s broad attack on Trump, whom he called a bully, could work against Australia’s lobbying, it almost certainly was irrelevant, given all representations were rejected. The Australian concern is less the direct impact of the tariffs – our exports of steel and aluminium to the US are limited – but the fallout from an international trade war that could be sparked by Trump’s policies.<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/251623/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <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/australia-like-everyone-else-fails-to-win-exemption-from-trumps-tariffs-on-aluminium-and-steel-251623">original article</a>. Image: Samuel Corum/CNP/Shutterstock Editorial </div>

Legal

Millions of Centrelink customers to get cash boost

More than five million Australians on welfare, including pensioners, renters, and job seekers, will have their payments boosted as the indexation changes are due to kick in. The payment increases will be made from March 20, with single pensioners able to take home an extra extra $3913 each year, while couples are set to receive an additional combined $5902. People on JobSeeker payments will get an extra $3374 to $5038, with single parents, mainly women, set to be more than $7500 better off annually. The maximum single rate of pension for those on the Age Pension, Disability Support Pension and Carer Payment will increase by $4.60 to $1149.00 a fortnight. “We’ve spent the past three years strengthening our social security system, so that it helps Australians at whatever age or stage they’re at in life,” Social Services Minister Amanda Rishworth said. “Indexation is a critical part of our social security safety net. For pensioners and other payment recipients receiving this financial boost, this will help ease some pressure.” Image: TK Kurikawa / Shutterstock.com

Money & Banking

How to prepare for a cyclone, according to an expert

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/yetta-gurtner-2337172">Yetta Gurtner</a>, <a href="https://theconversation.com/institutions/james-cook-university-1167">James Cook University</a> Tropical Cyclone Alfred is predicted to make landfall anywhere <a href="https://www.abc.net.au/news/2025-03-03/tropical-cyclone-alfred-landfall-thursday-live-updates/105002038">between Bundaberg and northern New South Wales</a> this week. The Australian Bureau of Meteorology <a href="http://www.bom.gov.au/cgi-bin/wrap_fwo.pl?IDQ20023.html">has warned</a> it may bring severe hazards and “dangerous and life-threatening flash flooding”. So, how do you prepare for a cyclone – and what do you do if it’s too late to leave? <h2>How to prepare</h2> Your starting point is to consider the risk to yourself and everyone in your household (including pets). Consider ensuring you have: <ul> <li>non-perishable food that everyone in the family will eat (enough for five to seven days)</li> <li>water for drinking and cleaning (three litres per person per day)</li> <li>medication (two weeks worth)</li> <li>toiletries and first aid kit</li> <li>pet food/supplies</li> <li>torches</li> <li>batteries</li> <li>a back up battery for your phone</li> <li>baby formula and nappies if needed</li> <li>protective clothing and closed-in shoes</li> <li>cash in small denominations</li> <li>valuable documents such as passports, title deeds, ID, insurance details, photos (these can be photographed or packed in weather-proof container or envelope)</li> <li>kids’ books, card games, board games, headphones</li> <li>anything else you may need or really value (and isn’t too heavy to carry).</li> </ul> Make sure you have a grab-and-go kit that you can carry by yourself if authorities suddenly tell you to evacuate immediately. Conventional wisdom used to be to prepare enough supplies for three days of disruption. Now, experts recommend having enough for five to seven days. After the initial disaster there may be road blockages or supply chain problems. Ensure you have enough medication for a week or two, because pharmacies may take days or weeks to re-open. And remember that many medications, such as insulin, need to be refrigerated, so consider how you’d keep them cool if the power went out. Fill containers with water and stick them in your freezer now; they can keep your freezer cool if you lose power. They can also become drinking water in future. Talk to your neighbours. Do they have a generator or a camping fridge you can use? This is a great opportunity to get to know your community and pool your resources. Ask yourself if you have friends with whom you or a pet can stay. One of the main reasons people don’t evacuate is because they can’t bring their pets (not all evacuation shelters allow them, so check in advance). Consider what you can do now to prepare your house. One of the most common call-outs the SES receives is about blocked drains and gutters, so check if there’s time to clean your gutters now. You won’t be able to do it during the storm. <h2>Stay informed – and don’t rely on hearsay</h2> Have a plan for getting truthful information before, during and after the cyclone. Rely on the information provided by official sources, as they will tell you when it’s too late to evacuate or when it’s safe to come out. This is highly context-specific and will depend on where you are located. Get advice where possible from your local council’s <a href="https://www.qld.gov.au/community/disasters-emergencies/disasters/resources-translations/local-government-disaster-dashboards">disaster dashboard</a> (most councils have one). It should provide information such as where to get sandbags, which roads are closed (which can affect your evacuation plan) and evacuation centre openings and locations. Anyone who monitors social media will see how many amateur meteorologists and maps are out there, but these are often not the best source. Always rely on official sources rather than hearsay, trending footage or amateur “experts”. Always have an battery-operated AM-FM radio. If power goes out, relying on your phone to track information will drain your phone battery very quickly. You may be able to charge it via your car or laptop, but telecommunications networks may not be active. So having a battery-operated radio on hand – and plenty of batteries – is crucial. <h2>What if the cyclone hits while you’re at home?</h2> If it’s too late to evacuate, have a plan for sheltering in place. Find the smallest room in your house with the least windows (which can shatter in a storm). This is often the bathroom, but it could be under the stairs. It is usually on the lowest level of the house. Bring your food, water, radio, blankets and supplies there. Avoid walking around the house during the cyclone to fetch things; there could be glass on the floor or debris flying around. It’s hard to predict how long you will need to shelter there, but it’s important not to leave until official sources say it is safe to do so. Cyclones come in stages. They arrive from one direction, then comes an eerie calm as the “eye of the storm” passes over. Next, the other half of the cyclone arrives. Don’t go outside during the eye of the storm, because it’s not over. Outside the house, there may be powerlines down, broken glass and other hazards. Don’t venture out until you get official clearance from the disaster dashboard or official sources on the radio saying it is safe. For <a href="https://www.ses.qld.gov.au/ses-assistance">non-life threatening emergencies</a> – such as a tree on your roof, or water running through your house – call the SES on 132 500 or register on the <a href="https://apps.apple.com/au/app/ses-assistance-qld/id704964892">SES Assistance app</a> (if you’re in Queensland). They will not come during the event itself but will come later. If it’s a life threatening emergency, always call triple 0. <h2>After the storm</h2> After the storm, consider how to make your house more cyclone-ready in future. Many houses in North Queensland are designed for cyclone zones, but not as many further south will be. Climate change means cyclones are likely to be more severe in future. These days, be cyclone-ready 365 days a year.<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/251251/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/yetta-gurtner-2337172">Yetta Gurtner</a>, Adjunct senior lecturer, Centre for Disaster Studies, <a href="https://theconversation.com/institutions/james-cook-university-1167">James Cook University</a> Image credits: SBS News 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-to-prepare-for-a-cyclone-according-to-an-expert-251251">original article</a>. </div>

Travel Tips

Cricket great takes aim at Albo's beer tax freeze

Cricket great David Warner has slammed Prime Minister Anthony Albanese's move to combat soaring beer prices. On Monday, Albanese promised to pause the government's tax hike on beers poured at pubs for the next two years. Albanese announced the policy while enjoying his "first beer of the year" at the Bob Hawke Beer and Leisure Centre in Marrickville. "This will make a difference. It is a positive announcement. As I said, good for beer drinkers, good for pubs and clubs, good for cost of living pressures," he said. Australia's inflation-indexed alcohol tax - which increases twice annually - has long been an issue for breweries, pub owners and customers. This month, there was a 3.5 per cent rise on the price of beer, an additional cost that usually gets passed onto the customer. The Prime Minister said if he is re-elected, the Labor government would freeze the indexation on draught beer excise for 24 months from the next indexation date this coming August. However, Warner believes this move is a "few years too late," slamming the Prime Minister's pledge on social media. Warner, who is an investor and director of Victoria's St Andrews Beach Brewery, has been affected by the rising prices. Shortly after Albanese's announcement, Coalition treasury spokesman Angus Taylor said Peter Dutton, if elected, would also freeze tax. "The government has chosen the eve of an election to promise voters a freeze on a tax that has skyrocketed due to its failure to address inflation at its core," Taylor said. Image: LUKAS COCH/EPA-EFE/ Shutterstock Editorial/ Instagram

Money & Banking

"Absolutely cooked": Old Sydney home sold for over $4.1 million

A one-storey red brick home in Lane Cove, Sydney has sold for a whopping $4,165,000 at an auction on Saturday. The home, which boasts two bathrooms, a backyard, four bedrooms and a “traditional kitchen” has sold for more than $600,000 over reserve, despite being built between the 1920s-1950s and needing renovation. The home was snapped up by a British family after a fierce bidding war with six other registered buyers. “The people who purchased it were the opening bid. (The bidders) were actively bidding into the high threes, and two of them pushed it above the four mark,” said Sam Lloyd from McGrath Estate Agents. “As far as we know, they will definitely do some work to it to make it their family home.” Lloyd added that there was was “plenty of interest” in the 695 sqm property, with its prime location near the suburb's retail and restaurant precinct. The selling agent said that both himself and the owner were “surprised” by the high price of the property – which had a reserve of $3.5 million. “It was definitely above our expectations” he said. According to Domain, the median house price for a four bedroom home in Lane Cove is $3.505 million. Many expressed their outrage over the "crazy" price online, with freelancer chief executive Matt Barrie saying: “Sydney house prices rapidly approaching $5m. Absolutely cooked." “$4 million for the house, plus another $2-3 million to demolish and rebuild. The reality of living in Australia where even the top one per cent income earners face significant costs for home ownership,” another added. “Our economy is out of control, what a ridiculous price for an average house,” a third wrote. “That’s some crazy pricing! I hear Adelaide is lovely this time of year …” a fourth commented. Image: Domain

Money & Banking

Man whose partner lost $1.6 BILLION at a rubbish tip now wants to buy the entire dump

In what can only be described as the most expensive game of "Where’s Wally?" ever attempted, James Howells, 39, is continuing his decade-long battle to recover a hard drive that contains 8,000 bitcoins – now worth a staggering $1.6 billion AUD – from a landfill site in Newport on the southwest coast of Wales. The saga began in 2013 when Howells’ partner, in a move that will forever be known as the most expensive spring cleaning mishap of all time, accidentally tossed out the hard drive. Since then, Howells has been on a mission to reclaim his digital treasure from what is now essentially a very smelly version of Fort Knox. However, Newport City Council has repeatedly refused his requests to excavate the site, citing environmental concerns and, possibly, an extreme reluctance to deal with a man on a personal mission to unearth a high-tech pirate's chest. A recent legal bid to force the council’s hand was swiftly dismissed by the UK High Court, with the judge describing Howells’ plight as "akin to looking for a needle in a haystack" – though in this case, the haystack is 1.4 million tonnes of garbage, and the needle is worth more than most small countries’ GDP. But Howells refuses to be deterred. His latest plan? If he can’t dig through the dump, he’ll just buy it. Yes, the father-of-three is now looking to purchase the landfill site outright, a bold strategy that has left both financial analysts and waste management professionals scratching their heads. “I have discussed this option recently with investment partners, and it is very much on the table,” he told the BBC. This development adds a fascinating twist to the drama, as parts of the landfill are slated to be turned into a solar farm in the coming years. In what might be the most ironic plot twist in financial history, the very place where Howells’ fortune lies buried could soon be used to power the homes of Newport – while he continues to live in metaphorical darkness. “If they had just worked with me, Newport could have looked like Las Vegas or Dubai,” Howells lamented, apparently envisioning a city built on the back of Bitcoin-funded extravagance rather than well-placed street lamps and reliable waste collection. Despite his enthusiasm, Newport City Council remains unswayed. “Excavation is not possible under our environmental permit,” a council spokesman reiterated, likely while rolling his eyes for the hundredth time. “Mr Howells’s claim has no merit, and the council is vigorously resisting it.” Undeterred, Howells insists he has a team of AI experts ready to streamline the search, making the job “as easy as possible”. As things stand, it appears that for now, Newport’s garbage will remain just that – garbage. But if one thing is certain, it’s that Howells is not giving up anytime soon. Whether his future includes billions in Bitcoin riches or simply a very expensive pile of rubbish remains to be seen. Image: Supplied

Money & Banking

What are sleep retreats? A sleep scientist explains the latest wellness trend

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/jason-ellis-280919">Jason Ellis</a>, <a href="https://theconversation.com/institutions/northumbria-university-newcastle-821">Northumbria University, Newcastle</a> Considering the effect of poor sleep on the individual as well as on <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC5627640/">society and the economy</a>, it is hardly surprising sleep has become an intense area of research focus in recent years. Most recently we have seen an <a href="https://www.voguebusiness.com/story/beauty/the-beauty-consumer-trends-set-to-define-2025">increase</a> in the <a href="https://www.aspiretravelclub.co.uk/insight/in-focus-the-rise-of-sleep-retreats">offering of and appetite for</a> so-called <a href="https://www.countryandtownhouse.com/style/health-and-beauty/sleep-retreats/">sleep retreats</a>. But what are sleep retreats and are they helpful? As with any specialised retreat, there is no set formula for what a sleep retreat should focus on. As such, the range of what is available is incredibly variable, from retreats that just focus on a sleep-friendly environment (a cool, dark, quiet and comfortable bedroom in a luxurious location) to ones specifically aimed at managing a specific sleep disorder, using evidence-based therapies, such as cognitive behavioural therapy for insomnia. There are even ones that provide, among other things, a regimen of vitamins and minerals delivered intravenously. Most, however, fall somewhere between focusing on meditation, exercise and relaxation. Although there is good evidence that exercise, at the right intensity and duration, can be <a href="https://www.researchgate.net/profile/Helen-Driver-3/publication/10948102_Exercise_and_sleep/links/5f578ffca6fdcc9879d67d41/Exercise-and-sleep.pdf">beneficial for sleep</a>, it is unlikely that a lack of exercise alone causes poor sleep. Similarly, there is some, albeit poor quality, evidence that <a href="https://rsdjournal.org/index.php/rsd/article/view/40186">meditation and relaxation improve sleep quality</a>. As such, it is unlikely that these treatments alone will fix a sleep problem. The main challenge is that sleep, as with diet or exercise, is just an overarching term for a complex behaviour, one that is influenced and can influence almost every area of a person’s life. For example, I am <a href="https://link.springer.com/article/10.1007/s12011-022-03162-1">hearing a lot</a> about supplementing with magnesium to aid sleep, but this is only likely to be beneficial if you are <a href="https://www.sciencedirect.com/science/article/abs/pii/B9780124201682000314">deficient in the first place</a>. <h2>What to consider before you splash the cash</h2> So, should we approach the sleep retreat with caution? Not necessarily, it is more a case of doing your homework. First, who does the sleep retreat cater for, and what do you hope to get from the retreat? The busy executive who only allows themselves four hours of sleep a night will have very different expectations and experiences to a person who has undiagnosed sleep apnoea and sleeps for nine hours but wants to know why they are so sleepy during the day. This leads to the second consideration: what kind of pre-screening (for conditions that might be causing insomnia) and personalisation do they offer? Many retreats advertise an individual consultation as part of the package but don’t really say what that will cover (a sleep, medical and psychiatric history and lifestyle assessment should be done as a <a href="https://onlinelibrary.wiley.com/doi/full/10.1111/jsr.14035">bare minimum</a>. This is vital when we consider that while well-established, evidence-based treatments for a variety of sleep disturbances and disorders exist, they are not suitable for everyone. Also, there is a <a href="https://pubs.rsc.org/en/content/articlelanding/2024/fo/d4fo01113a/unauth">perception</a> that non-pharmacological therapies, including nutraceuticals (products derived from food sources that said to have health benefits) and over-the-counter remedies (such as antihistamines, melatonin and valerian), don’t have side-effects, which is <a href="https://pubs.rsc.org/en/content/articlelanding/2024/fo/d4fo01113a/unauth">not necessarily the case</a>. The final considerations are: who is delivering the retreat? And is what they are offering based on sound scientific evidence? Considering certification in sleep medicine is a hot topic in the sleep community at the moment, it is worth doing some research. For example, in the UK there is no pathway to becoming a sleep medicine specialist, consultant or coach. So who is leading the sleep retreat and is what they offering evidence-based?<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/247632/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/jason-ellis-280919">Jason Ellis</a>, Professor of Sleep Science, <a href="https://theconversation.com/institutions/northumbria-university-newcastle-821">Northumbria University, Newcastle</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-are-sleep-retreats-a-sleep-scientist-explains-the-latest-wellness-trend-247632">original article</a>. </div>

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"Absolutely cooked": Old Sydney home sold for over $4.1 million

Man whose partner lost $1.6 BILLION at a rubbish tip now wants to buy the entire dump

What are sleep retreats? A sleep scientist explains the latest wellness trend

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