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Ben Roberts-Smith loses defamation appeal over war crimes findings

<p>Decorated war veteran Ben Roberts-Smith has lost a high-profile legal appeal seeking to overturn findings that he likely engaged in war crimes during his service in Afghanistan.</p> <p>The Federal Court dismissed the former soldier’s defamation appeal on Friday, marking a major defeat for Australia's most decorated living soldier and potentially concluding a years-long legal battle that has captivated the nation. Roberts-Smith, who was not present in court, now faces a substantial legal bill estimated to exceed $25 million.</p> <p>Lawyers for Nine newspapers, who published the original reports in 2018, were seen embracing outside the courthouse, visibly jubilant over the outcome. "The smile says it all," one lawyer told reporters. In contrast, Roberts-Smith’s legal team declined to comment as they left the building.</p> <p>Roberts-Smith, a Victoria Cross recipient, sued Nine and investigative journalists Nick McKenzie and Chris Masters over a series of reports alleging he was involved in the unlawful killing of unarmed civilians while deployed with the SAS in Afghanistan. In 2023, Justice Anthony Besanko ruled the allegations were substantially true, including claims that Roberts-Smith was involved in the murder of four unarmed Afghan men.</p> <p>Among the most damning accusations were that Roberts-Smith executed a man with a prosthetic leg and encouraged fellow soldiers to use the leg as a drinking vessel. He was also accused of ordering the killing of an elderly prisoner in 2009 to initiate a junior soldier, and of kicking a bound prisoner off a cliff before having him executed in 2012. Another killing was linked to a weapons cache found in the village of Cinartu.</p> <p>These claims were upheld by Justice Besanko on the balance of probabilities, a standard used in civil cases. Friday's ruling confirmed the original judgment, with the full court dismissing the appeal. The court’s written reasons are expected to be released in the coming days.</p> <p>Nine successfully argued that its reporting was grounded in solid evidence and that Justice Besanko’s findings were appropriately supported.</p> <p>Roberts-Smith, once hailed as a national hero for his bravery under fire and named Australian Father of the Year, now faces the prospect of paying Nine’s legal costs for both the original trial and the failed appeal. His legal team may consider taking the matter to the High Court, but such a move would be his final legal recourse in a saga that has spanned more than seven years.</p> <p>Despite the serious nature of the findings, Roberts-Smith has not been criminally charged in relation to any of the alleged incidents.</p> <p><em>Image: Today show</em></p>

Legal

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"Two of our finest men lost to the sport we love": Tragedy strikes at BSB

<p>A devastating multi-bike crash during the opening lap of the British Supersport Championship race at Oulton Park has claimed the lives of two riders and left several others injured, casting a dark shadow over the start of the 2025 racing season.</p> <p>The incident, described as a "catastrophic" chain-reaction crash involving 11 motorcycles, occurred at the exit of the first turn during Monday’s season-opening feature race. The race, which was being broadcast live on television and served as a support event for the top-tier Superbike Championship, was immediately red-flagged and later abandoned.</p> <p>British rider Owen Jenner, 21, and Shane Richardson, a 29-year-old father of two from New Zealand, were both tragically killed in the collision. Organisers confirmed Jenner succumbed to a catastrophic head injury despite emergency treatment at the track and further resuscitation at the circuit medical centre. Richardson was initially stabilised at the scene but passed away en route to Royal Stoke University Hospital from severe chest trauma.</p> <p>The crash also left veteran racer Tom Tunstall, 47, hospitalised with serious back and abdominal injuries. He remains under medical care.</p> <p>Several other riders suffered injuries in the incident, with Carl Harris, Max Morgan, Cameron Hall, Freddie Barnes, and Morgan McLaren-Wood sustaining minor harm. Lewis Jones, Corey Tinker and George Edwards escaped without injury.</p> <p>In an official statement, the Motorcycle Circuit Racing Control Board (MCRCB) and MotorSport Vision Racing (MSVR) confirmed that an investigation into the full circumstances of the accident is underway in collaboration with the Coroner and Cheshire Constabulary.</p> <p>Richardson, who proudly raced with the New Zealand flag on his No. 28 Suzuki and finished ninth in last year’s championship, had just placed 11th in Sunday’s opening race. His passing marks another tragic blow to New Zealand motorsport, following the death of fellow Kiwi Damon Rees two years ago.</p> <p>Australian reigning Supersport champion Ben Currie, who narrowly avoided the crash, expressed his heartbreak: “Hard to put into words what happened today. Gutted for everyone involved. Two of our finest men lost to the sport we love. Thoughts are with all that are involved. RIP boys.”</p> <p>Fellow rider Freddie Barnes, writing from hospital, echoed the grief of the paddock: “My condolences go out to Owen and Shane’s family and friends. I’m absolutely devastated… ride on in paradise boys.”</p> <p>The emotional toll of the incident was evident as tributes poured in across the motorsport community.</p> <p>Racer TJ Toms wrote: “Two lads I feel absolutely privileged to call mates… My heart, love and thoughts go out to OJ’s family and to Hanna and Shane’s little family. Thank you for all our memories boys.”</p> <p>Joe Sheldon-Shaw added: “Had some great races with both these lads, and a lot of laughs off the track with OJ. Heartbreaking day today… The paddock won’t be the same without them.”</p> <p>Despite the tragedy, the Supersport Championship is set to resume in two weeks at Donington Park. As the racing world mourns, it does so with heavy hearts, united in grief and remembrance of two riders lost far too soon.</p> <p><em>Images: Facebook</em></p>

Caring

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"Find a life worth enjoying": King Charles opens up on his battle with cancer

<p>King Charles III has opened up publicly for the first time about his battle with cancer, offering a heartfelt reflection on the lessons he has learned during a special event at Buckingham Palace.</p> <p>The monarch, who was diagnosed with cancer in February 2024, described the experience as one that “brings into sharp focus the very best of humanity”, as he addressed guests gathered to celebrate community initiatives raising cancer awareness and supporting those affected by the disease.</p> <p>“Each diagnosis, each new case, will be a daunting and at times frightening experience for those individuals and their loved ones,” the King said. “It has certainly given me an even deeper appreciation of the extraordinary work undertaken by the remarkable organisations and individuals gathered here this evening.”</p> <p>The event was attended by healthcare professionals, volunteers, advocates and families affected by cancer, many of whom Charles has supported throughout his public life. He praised their efforts, noting that his own experience had reinforced a long-held belief: that compassion and connection are vital to the healing journey.</p> <p>“The darkest moments of illness can be illuminated by the greatest compassion,” he said, highlighting the roles of hospice volunteers, specialist nurses and support groups in forming what he called a “community of care”.</p> <p>Charles also expressed his family's deep gratitude to the healthcare professionals involved in cancer treatment across the UK. “They have my whole family’s deepest admiration and gratitude,” he said. “Their care represents the very best our country can offer.”</p> <p>While the King has kept the specific details of his condition private, Buckingham Palace confirmed he was <a href="https://www.oversixty.com.au/health/caring/king-charles-admitted-to-hospital" target="_blank" rel="noopener">hospitalised last month</a> due to side effects from his treatment. His diagnosis came just weeks before Princess Kate, 43, revealed she was undergoing preventative chemotherapy, sparking concern and sympathy across the nation and beyond.</p> <p>Global statistics underscore the urgency of the fight against cancer: in 2022, approximately 20 million new cases were diagnosed worldwide, with 9.7 million lives lost, according to the American Cancer Society.</p> <p>Concluding his remarks, King Charles shared a quote from Dame Deborah James – the beloved British journalist and campaigner who died of bowel cancer in 2022 – whose parents were in attendance at the Palace.</p> <p>“‘Find a life worth enjoying; take risks; love deeply; have no regrets; and always, always have rebellious hope,’” he said.</p> <p><em>Image: Sunrise</em></p>

Caring

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"It must be love!": Charles and Camilla mark wedding anniversary with sweet video

<p>April 9 marked a special milestone for King Charles and Queen Camilla as they celebrate their 20th wedding anniversary! The royal couple kicked off the joyous occasion with a charming new video, shared across the royal family's social media accounts.</p> <p>The 60-second clip is a delightful journey through their two decades of marriage, showcasing a collection of heartwarming photos and candid moments. Captioned simply, "20 Happy Years!" accompanied by a white heart emoji, the post captured the love and happiness that has defined their union. Fans were quick to note that the white heart may also be a nod to the traditional 20th anniversary gifts of china or platinum, symbolising strength and beauty.</p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-captioned="" data-instgrm-permalink="https://www.instagram.com/reel/DIN7uDus6Rg/?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/DIN7uDus6Rg/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by The Royal Family (@theroyalfamily)</a></p> </div> </blockquote> <p>Though the royal couple is spending their anniversary abroad in Rome as part of their state visit to Italy, celebrations have been in full swing back home in the UK. Outside Buckingham Palace, the Band of the Household Cavalry serenaded well-wishers with a special performance of It Must Be Love, dedicated to Their Majesties – a perfect musical tribute to their enduring romance.</p> <blockquote class="twitter-tweet"> <p dir="ltr" lang="en">It must be love! 🫶</p> <p>A special tribute on the Forecourt of Buckingham Palace, to mark Their Majesties’ 20th wedding anniversary today. <a href="https://t.co/15rlKuevVl">pic.twitter.com/15rlKuevVl</a></p> <p>— The Royal Family (@RoyalFamily) <a href="https://twitter.com/RoyalFamily/status/1909937840185548915?ref_src=twsrc%5Etfw">April 9, 2025</a></p></blockquote> <p>In anticipation of this milestone, the couple also released a new set of portraits earlier this week. Queen Camilla looked radiant in bridal white, wearing a bespoke dress by Anna Valentine, the designer of her original wedding gown. Adding a sentimental touch, Her Majesty adorned her outfit with the lily of the valley brooch once belonging to the Queen Mother, a beautiful symbol of eternal love.</p> <p>The day itself is a working one for the royal couple. King Charles is set to meet with Italy’s prime minister, while later, they will be the guests of honour at a grand state banquet hosted by the Italian president – a fitting celebration for their incredible journey together.</p> <p>King Charles and Queen Camilla’s love story is one for the history books. Though married for 20 years, their connection spans over five decades. From their first meeting at a polo match in 1970 to enduring public scrutiny, they have emerged stronger than ever.</p> <p>Their early years saw them part ways when Charles embarked on an eight-month naval tour, and Camilla married Andrew Parker Bowles. Yet, even through life’s twists and turns, their bond remained unbreakable. Following the tragic passing of Princess Diana, Charles and Camilla slowly reintroduced their relationship to the public, eventually marrying in 2005 in a modest yet heartfelt ceremony.</p> <p>Since then, Queen Camilla has embraced her royal role with grace and dedication, earning the admiration of many. </p> <p>Here’s to King Charles and Queen Camilla – may the next 20 years be just as joyful!</p> <p><em>Images: Royal Family / Instagram</em></p>

Relationships

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Why older couples love short cruises for a quick romantic getaway

<p>Long holidays are great, but they are not always practical, especially when you just want a quick break together. They can be expensive, require a lot of planning and sometimes feel more tiring than relaxing. </p> <p>A <span lang="EN-GB"><a href="https://www.carnival.com.au/short-cruises" target="_blank" rel="noopener"><span lang="EN-GB" style="color: #1155cc;">smooth, short cruise</span></a></span> is the perfect balance for older couples. There’s just enough time to unwind, visit new places and enjoy amazing food and entertainment, all without the stress of organising every detail.</p> <p>With options from Carnival, Australia’s leading cruise line, a quick and relaxing romantic getaway is easier than ever. Everything is taken care of, so you can simply step on board and make the most of your time together.</p> <p>To show you what makes them special, here’s why short cruises have become a favourite getaway for couples looking to relax and reconnect.</p> <p><strong><span style="font-size: 14pt;">Skip the stress and start your holiday sooner</span></strong></p> <p>Planning a holiday can sometimes feel like more trouble than it’s worth. Long flights, busy airports and endless logistics take time and effort, which can make a romantic getaway feel stressful before it even begins. But taking a break doesn’t have to be complicated.</p> <p>A Carnival <span lang="EN-GB"><a href="https://www.carnival.com.au/short-cruises/sydney" target="_blank" rel="noopener"><span lang="EN-GB" style="color: #1155cc;">short cruise from Sydney</span></a></span> or Brisbane is an easy way to escape for a few days without the stress of flights or long drives. Enjoy slow mornings together on a peaceful deck, take in the ocean views or visit a beautiful destination like Tasmania or Moreton Island. </p> <p><strong><span style="font-size: 14pt;">Enjoy time together without going far</span></strong></p> <p>You don’t need to travel far to enjoy a romantic break. A short cruise lets you escape for a few days, soak up the ocean views and spend uninterrupted time together. Set sail from Brisbane or Sydney and choose from a three-day cruise at sea, a four day cruise to Moreton Island or Airlie Beach, or a <span lang="EN-GB"><a href="https://www.carnival.com.au/short-cruises/5-day" target="_blank" rel="noopener"><span lang="EN-GB" style="color: #1155cc;">five-day cruise</span></a></span> to Tasmania.</p> <p><strong><span style="font-size: 14pt;">Spend quality time with onboard activities</span></strong></p> <p><strong><span style="font-size: 14pt;"><img src="https://oversixtydev.blob.core.windows.net/media/2025/02/Carnivalimage-1.jpg" alt="" width="1280" height="720" /></span></strong></p> <p>Finding time to unwind together isn’t always easy, but a Carnival short cruise makes it simple. With plenty of <span lang="EN-GB"><a href="https://www.carnival.com.au/onboard" target="_blank" rel="noopener"><span lang="EN-GB" style="color: #1155cc;">exciting onboard activities</span></a></span>, you can do as much or as little as you like. </p> <p>Lounge by the pool, enjoy some quiet time at <span lang="EN-GB"><a href="https://www.carnival.com.au/onboard/serenity" target="_blank" rel="noopener"><span lang="EN-GB" style="color: #1155cc;"><span lang="EN-GB"> an</span></span><span lang="EN-GB" style="color: #1155cc;"> </span><span lang="EN-GB" style="color: #1155cc;"><span lang="EN-GB">a</span></span><span lang="EN-GB" style="color: #1155cc;"><span lang="EN-GB">dults-</span></span><span lang="EN-GB" style="color: #1155cc;"><span lang="EN-GB">o</span></span><span lang="EN-GB" style="color: #1155cc;"><span lang="EN-GB">nly </span></span><span lang="EN-GB" style="color: #1155cc;"><span lang="EN-GB">r</span></span><span lang="EN-GB" style="color: #1155cc;"><span lang="EN-GB">etreat</span></span></a></span> or watch a live music performance. You can even play video games or visit the fitness centre together. For total relaxation, book a couples’ treatment at Cloud 9 Spa* and let the stress melt away.</p> <p>In the evening, share new experiences together. Watch a Playlist Productions show, enjoy stand-up comedy at The Punchliner Comedy Club or settle in for a movie under the stars. If you prefer a quieter night, find a cosy spot to take in the ocean views or enjoy a drink with live acoustic music.</p> <p><strong><span style="font-size: 14pt;">Share great food at every meal</span></strong></p> <p><strong><span style="font-size: 14pt;"><img src="https://oversixtydev.blob.core.windows.net/media/2025/02/Carnivalimage-3.jpg" alt="" width="1280" height="720" /></span></strong></p> <p>Good food is even better when shared, and a Carnival short cruise gives couples plenty of <span lang="EN-GB"><a href="https://www.carnival.com.au/dining" target="_blank" rel="noopener"><span lang="EN-GB" style="color: #1155cc;">dining </span></a></span>options to enjoy together. Start the day with a relaxed breakfast and freshly brewed coffee, or grab a quick bite from the main dining room. For a special night, Fahrenheit 555* or Luke’s Bar &amp; Grill* serves perfectly cooked steaks and fresh seafood in a cosy setting.</p> <p>If you’re in the mood for something to eat, the pizzeria has fresh-made pizza, and Bonsai Sushi Express* offers quick, fresh sushi. For something classic, Guy’s Burger Joint serves juicy burgers. With so many choices, every meal is a chance to relax and spend time together.</p> <p><strong><span style="font-size: 14pt;">Plan your next romantic getaway</span></strong></p> <p>A few days away is sometimes all you need to recharge and reconnect. On a short cruise, you can enjoy new experiences, soak up the ocean views and make the most of every moment together without worrying about travel logistics.</p> <p>All the details are sorted, so you can focus on choosing the perfect destination and how long you’d like to relax together. Visit the <span lang="EN-GB"><a href="https://www.carnival.com.au/" target="_blank" rel="noopener"><span lang="EN-GB" style="color: #1155cc;">Carnival Cruise website</span></a></span> to find a short cruise that fits your schedule, and start planning your next romantic getaway today.</p> <p><em>Images: Supplied<br /></em></p> <p><em>*Charges apply</em></p> <p><em>This is a sponsored article produced in partnership with Carnival</em></p>

Cruising

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"Love never dies": Tributes flow for Iconic Hollywood star

<p>Hollywood is mourning the loss of one of its most beloved stars, Richard Chamberlain, who passed away at the age of 90. The acclaimed actor, best known for his roles in <em>The Thorn Birds</em>, <em>Dr Kildare</em> and the stage production of <em>The Sound of Music</em>, died from complications following a stroke, his publicist Harlan Boll confirmed to <em>Variety</em>.</p> <p>Born George Richard Chamberlain, the actor died in Hawaii, leaving behind a legacy that spanned over six decades. His career took off in the early 1960s when he starred as the charming Dr James Kildare in the hit television series <em>Dr Kildare</em> (1961-1966), a role that quickly made him a teen idol.</p> <p>Chamberlain became a household name and was soon dubbed the "king of the mini-series" after starring in a string of highly acclaimed television dramas throughout the 1980s. His extensive stage work further demonstrated his versatility, portraying characters such as Professor Henry Higgins in <em>My Fair Lady</em>, Captain von Trapp in <em>The Sound of Music</em> and Shakespearean roles like Hamlet and Richard II.</p> <p>He also made history as the original Jason Bourne in the 1988 mini-series adaptation of <em>The Bourne Identity</em>, showcasing his ability to captivate audiences across various genres.</p> <p>Following his passing, his longtime partner Martin Rabbett shared a heartfelt tribute: "Our beloved Richard is with the angels now. He is free and soaring to those loved ones before us. How blessed were we to have known such an amazing and loving soul. Love never dies. And our love is under his wings lifting him to his next great adventure."</p> <p>One of Chamberlain’s most memorable roles was in <em>The Thorn Birds</em>, the ABC mini-series based on Colleen McCullough’s novel, in which he portrayed Father Ralph de Bricassart. The series, a sweeping saga set in the Australian outback, remains one of television’s most cherished dramas.</p> <p>In later years, Chamberlain continued to make appearances in popular shows, including <em>Touched by an Angel</em>, <em>Nip/Tuck</em>, and <em>Chuck</em>. His final acting credit came in 2019 with the film <em>Finding Julia</em>.</p> <p>Chamberlain leaves behind a body of work that will be cherished by fans for generations. His charisma, talent and passion for his craft made him a true Hollywood legend.</p> <p><em>Images: Instagram</em></p>

Caring

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More young people are caring for a loved one with dementia. It takes a unique toll

<div class="theconversation-article-body"> <p>Dementia is a growing health problem, affecting more than <a href="https://www.who.int/news-room/fact-sheets/detail/dementia">55 million people</a> around the world.</p> <p>In Australia, an estimated <a href="https://www.dementia.org.au/about-dementia/dementia-facts-and-figures">433,300 people</a> are living with dementia. This figure is projected to rise to 812,500 by 2054.</p> <p>Dementia <a href="https://www.dementia.org.au/about-dementia">refers to brain disorders</a> that are not a normal part of ageing. These disorders, including Alzheimer’s disease, cause a decline in cognitive function and changes in mood, memory, thinking and behaviour. Ultimately they affect a person’s ability to carry out everyday tasks.</p> <p>In Australia, around <a href="https://www.sydney.edu.au/news-opinion/news/2020/10/06/research-backs-home-based-program-for-people-living-with-dementi.html">75% of people with dementia</a> live at home.</p> <p>While dementia care at home has traditionally been associated with older spouses or middle-aged children, it seems an increasing number of young adults in their 20s and 30s, and <a href="https://www.ncb.org.uk/sites/default/files/uploads/files/young_people_caring_for_adults_with_dementia.pdf">even teenagers</a>, are stepping into this role to care for grandparents, parents or other loved ones.</p> <p>In Australia, 3 million people (11.9% of the population) are carers. This includes <a href="https://www.abs.gov.au/statistics/health/disability/disability-ageing-and-carers-australia-summary-findings/latest-release">391,300 under 25</a> – a sharp rise from 235,300 in 2018.</p> <p>How many young carers are specifically caring for a loved one with dementia is unclear, and something we need more data on. Young dementia carers remain largely invisible, with minimal recognition or support.</p> <h2>Unique challenges and the burden of responsibility</h2> <p>Unlike older carers, who may have more financial stability and free time, young carers often must balance caregiving with university, early-career pressures, and personal development, including maintaining social relationships, pursuing hobbies, and prioritising mental welling.</p> <p>In Australia, where <a href="https://aifs.gov.au/media/more-young-adults-living-parents">51% of men and 43% of women</a> aged 20–24 still live with their parents, many young carers will have limited experience in managing a household independently.</p> <p>They’re often thrust into <a href="https://www.ncb.org.uk/sites/default/files/uploads/files/young_people_caring_for_adults_with_dementia.pdf">complex responsibilities</a> such as cooking, housework, managing the family budget, coordinating medical appointments and administering medications.</p> <p>Beyond that, they may need to provide physical care such as lifting or helping their loved one move around, and personal care such as dressing, washing, and helping with toileting.</p> <p>All this can leave young carers <a href="https://www.tandfonline.com/doi/full/10.2147/PROM.S499063">feeling unprepared</a>, overwhelmed and isolated.</p> <p>While general support groups exist for dementia carers and young carers more broadly, few cater specifically to <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC9819145/">young adults caring for someone with dementia</a>.</p> <p>This lack of targeted support is likely to heighten <a href="https://www.tandfonline.com/doi/pdf/10.1080/13676261.2024.2390899?casa_token=6Q73sIFsfssAAAAA:1rQ7NyiiHkwTwIk4mkk6d2r5tiUxeXJDCKTfIohKmHzCue9xvuj5r4e8-fowJGQeIYKe6afuO9FT">feelings of isolation</a>, as the young person’s friends struggle to relate to the emotional and practical burdens <a href="https://link.springer.com/content/pdf/10.1186/s12877-020-01976-z.pdf">young carers face</a>.</p> <p>The demanding nature of caregiving, combined with the difficulty of sharing these experiences with peers, means young dementia carers can become <a href="https://journals.sagepub.com/doi/epub/10.1177/14713012211023653?src=getftr&utm_source=tfo&getft_integrator=tfo">disconnected socially</a>.</p> <h2>The psychological toll</h2> <p>These challenges take a profound <a href="https://www.mentalhealth.org.uk/explore-mental-health/statistics/carers-statistics">psychological toll</a> on young carers.</p> <p>Research shows young carers are <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC9263065/">35% more likely</a> to report mental health issues than their non-caregiving peers. These can include <a href="https://journals.sagepub.com/doi/pdf/10.1177/1471301220980243">depression</a>, anxiety and burnout.</p> <p>Again, we don’t have data on mental health outcomes among young dementia carers specifically. But <a href="https://www.aihw.gov.au/reports/dementia/dementia-in-aus/contents/carers-and-care-needs-of-people-with-dementia/impact-of-the-caring-role-on-carers">in Australia</a>, 75% of dementia carers reported being affected physically or emotionally by their caring role. Some 41% felt weary or lacked energy, and 31% felt worried or depressed.</p> <p>Also, there are negative stereotypes about ageing – that people turn forgetful, frail, and need constant care. For young carers whose loved ones have dementia, these stereotypes <a href="https://journals.sagepub.com/doi/pdf/10.1111/j.1467-8721.2009.01662.x?casa_token=w0MW7GGY80gAAAAA:szB0XyXKPG_XMqAVyAHLm0Tye8yH3TYXK9X5cFCSIRkorhsNHx4Wgurmy_oAuZKsTsskS6kBw9Vr">can be reinforced</a> by their experience. This could shape young carers’ perceptions of <a href="https://www.tandfonline.com/doi/full/10.1080/13607863.2025.2464705?utm">their own future health</a> and wellbeing and increase anxiety about ageing.</p> <p>Caregiving may also affect <a href="https://www.apa.org/pi/about/publications/caregivers/faq/health-effects">physical health</a>. Research suggests carers often sacrifice <a href="https://onlinelibrary.wiley.com/doi/pdf/10.1111/psyg.12354">healthy habits</a> such as exercise and a balanced diet. What’s more, <a href="https://onlinelibrary.wiley.com/doi/pdf/10.1111/psyg.12354">carers report symptoms</a> including poor sleep, fatigue, headaches and back pain due to the physical demands of caregiving.</p> <h2>Caring for a parent – a role reversal</h2> <p>This emotional burden is particularly acute for those caring for a parent. These young carers are likely to experience the progressive loss of parental support, while simultaneously assuming the <a href="https://journals.sagepub.com/doi/pdf/10.1177/1471301220988231">demanding role of caregiver</a>.</p> <p>A significant portion of young dementia carers support parents with <a href="https://www.aihw.gov.au/reports/dementia/dementia-in-aus/contents/dementia-in-priority-groups/population-health-impacts-of-younger-onset-dementi">young-onset dementia</a>, a form of dementia diagnosed before age 65. These <a href="https://journals.sagepub.com/doi/pdf/10.1177/1471301220988231">young carers</a> face the shock of a diagnosis that defies typical expectations of ageing.</p> <p>The burden may be compounded by fears of <a href="https://journals.sagepub.com/doi/10.1177/0038026119874280?icid=int.sj-abstract.citing-articles.9">genetic inheritance</a>. Young onset dementia often has a <a href="https://www.nia.nih.gov/health/alzheimers-causes-and-risk-factors/alzheimers-disease-genetics-fact-sheet">hereditary component</a>.</p> <p>This means young carers may have a higher risk of developing the condition themselves – a concern spousal carers don’t have. This fear can fuel health anxiety, alter life planning, and create a pervasive <a href="https://pubmed.ncbi.nlm.nih.gov/26560507/">sense of vulnerability</a>.</p> <h2>How we can better support young dementia carers</h2> <p>Despite their growing numbers, young dementia carers <a href="https://www.tandfonline.com/doi/full/10.2147/JMDH.S464195">remain largely overlooked</a> in research, policy and support services. This is partly due to the challenges in engaging this demographic in research, as these young people juggle busy lives <a href="https://onlinelibrary.wiley.com/doi/pdf/10.1002/gps.4502?casa_token=5-Ih4KcUejwAAAAA%3AOvuh8ghI_ednIzRZmHdUl-_C7EQ8IUw2Qp7E0-0Z9abjV0xT6I4WK17V2U8JMCcxMl9yvpawBeT-l7c">balancing caregiving</a> with education and work.</p> <p>Many young carers also <a href="https://pubmed.ncbi.nlm.nih.gov/36353077/">don’t self-identify as carers</a>, hindering their access to support and resources. This could be because of the stigmatising label, or a feeling they’re <a href="https://www.ncb.org.uk/sites/default/files/uploads/files/young_people_caring_for_adults_with_dementia.pdf">not doing enough</a> to qualify as a carer. It could even be because of cultural norms which can frame caregiving as a family obligation, rather than a distinct role.</p> <p>Nonetheless, young dementia carers require <a href="https://www.mdpi.com/1660-4601/20/1/127">targeted support</a> beyond generic caregiving resources.</p> <p>This support might include specialised <a href="https://www.tandfonline.com/doi/full/10.2147/JMDH.S464195">peer networks</a>, educational programs, and practical skills training. Tailored programs and resources should ideally be <a href="https://www.mdpi.com/1660-4601/20/1/127">co-designed with young dementia carers</a> to ensure they meet their unique needs and preferences.</p> <p>With dementia cases in Australia and elsewhere <a href="https://www.dementia.org.au/about-dementia/dementia-facts-and-figures">projected to increase</a>, the demand for informal carers – including young adults – will continue to grow.</p> <p>Without intervention, these young carers risk burnout, social isolation, and long-term health consequences. We must ensure flexible, age-appropriate support for this often invisible group. Investing in young dementia carers is not just a moral imperative – it’s a crucial step toward a sustainable, compassionate care system for the future.</p> <p><em><a href="https://www.dementia.org.au/living-dementia/family-friends-and-carers">Dementia Australia</a> offers a national helpline, information sessions, and a peer-to-peer connection platform for carers.</em></p> <p><em><a href="https://youngcarersnetwork.com.au/">The Young Carers Network</a>, run by <a href="https://www.carersaustralia.com.au/">Carers Australia</a>, offers mental health resources, financial guidance, and respite care information, plus bursaries young carers can apply for to reduce financial pressure.</em><!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/249361/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em>By <a href="https://theconversation.com/profiles/katya-numbers-784650">Katya Numbers</a>, Postdoctoral Research Fellow & Lecturer, Centre for Healthy Brain Ageing, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a> and <a href="https://theconversation.com/profiles/serena-sabatini-2320527">Serena Sabatini</a>, Lecturer in Psychology, <a href="https://theconversation.com/institutions/university-of-surrey-1201">University of Surrey</a></em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/more-young-people-are-caring-for-a-loved-one-with-dementia-it-takes-a-unique-toll-249361">original article</a>.</em></p> <p><em>Image: Shutterstock</em></p> </div>

Caring

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"Love you": John Farnham spotted in rare public appearance for milestone occasion

<p>Music legend John Farnham has marked a joyful occasion as he joined family and friends to celebrate his wife Jillian’s 70th birthday in Melbourne. The intimate gathering took place on Tuesday evening at the renowned Italian restaurant, Florentino, where love, laughter and music filled the air.</p> <p>Seated beside his beloved wife of 51 years, Farnham radiated happiness, enjoying the company of his closest loved ones. The evening was made even more special with heartfelt live performances and a touching photo montage that honoured Jillian’s life and the couple’s enduring love story.</p> <p>Adding a moment of lighthearted humour, accordion maestro Hans managed to elicit a grin from Farnham when he jokingly offered to play one of the singer’s iconic hits. Their son, Robert, captured the essence of the night with a heartfelt social media post, sharing a picture from the evening and the simple yet touching words: “Happy birthday 70th to mum, Love you.”</p> <p>This joyous occasion comes as Farnham, 75, continues to embrace life after receiving the “all clear” in his well-publicised battle with cancer. Having undergone a major surgery in August 2022 to remove a tumour from his mouth and reconstruct his jaw, the legendary performer has shown incredible resilience. His son James shared an update earlier this year, reassuring fans that his father was “doing really well, walking around, kicking goals... and, of course, annoying mum.”</p> <p>Jillian, whose unwavering support played a crucial role in Farnham’s health journey, previously recounted in her memoir, <em>The Voice Inside</em>, how she urged him to seek medical advice before his diagnosis. “He had a big white mass on the inside of his cheek, and you could physically see it,” she wrote. “For several months I was saying to him, ‘Let’s go see about that thing in your mouth,’ and he’d say, ‘No, it’s alright, it’s alright, it’s alright.’” Eventually, her persistence led him to seek medical attention, ultimately saving his life.</p> <p>Adding to the excitement in the Farnham household, the family is eagerly anticipating a new arrival. James and his partner, Tessa, are expecting a baby boy, a new chapter that fills them all with joy. James, thrilled at the prospect of fatherhood, said: “We’re all really excited, another little Farnham on the way. I can’t wait to take him up to the farm and get Dad to teach him everything he taught me.”</p> <p>For Farnham, whose music has been the soundtrack of Australian life for decades, family remains his greatest treasure. </p> <p><em>Image: Instagram</em></p>

Family & Pets

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Bunnings workers find deadly snake in gardening aisle

<p>Bunnings workers were stunned to find a tiger snake among the flower pots in the gardening section of the hardware store's Goulburn branch in NSW. </p> <p>Tiger snakes are one of the most venomous snakes in the nation and the "vibrant orange" reptile was trapped in a large pot, before snake catcher Ray McGibbon was called to relocate it. </p> <p>In an interview with Yahoo News, McGibbon said he was stunned by the snake's markings which were "not typical of tiger snakes".</p> <p>"It was very orange and vibrant," he said.</p> <p>"Cool climate reptiles are usually darker colours... it's like us wearing dark clothing in a cooler climate, it will attract the heat faster.</p> <p>"If you look at Queensland in comparison, the reptiles up there are brighter in colour because of the hotter climate."</p> <p>He also doesn't recommend placing a pot over a reptile, and said the best course of action would be to keep your distance, especially if it's venomous. </p> <p>Luckily, the snake was placid and easy to relocate, with McGibbon releasing it in nearby bushland. </p> <p>Tiger snakes account for an estimated 17 per cent of snake bites in Australia with four known deaths recorded, according to Australia Wide First Aid.</p> <p>"It's not really common to find one in Bunnings, they just randomly pop up every now and then. It was a warm day so it will have come inside to sit on the cool concrete. They're cold-bloodied but they're like us, if they're too hot they'll retreat for something cool," McGibbon added. </p> <p><em>Images: Facebook</em></p>

Home & Garden

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Unbelievable moment man finds his aunt's artwork in op shop

<p>A man has broken down in tears as he found a painting done by his aunt in his favourite op shop. </p> <p>Influencer Christian Hull was sifting through an antique shop in Brisbane when something caught his eye from behind a cushion. </p> <p>"I walk into this stall and there on the ground is a beautiful brightly coloured art work from the 1980's that reminds me so much of my aunt," he said of his artist aunt, Helen McCosker, who is based in Sydney and has no connection to the Queensland city.</p> <p>"It was her style of drawing and just screamed at me," Hull shared on his social media accounts.</p> <p>"I thought to myself how strange that this drawing instantly reminded me of her. I wanted it... I knew it wasn't one of hers because the likely hood of that was 0%. No way a drawing she did in Sydney in the 80's would be in my favourite shop in Brisbane staring at me."</p> <p>His find was confirmed when he spotted his aunt's signature in the bottom corner of the artwork, as he said, "There in the corner I saw it and SCREAMED! It was her classic HMK in a circle."</p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-permalink="https://www.instagram.com/reel/DGKO1XCTd-h/?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/DGKO1XCTd-h/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by Christian Hull (@christianhull)</a></p> </div> </blockquote> <p>"I was stunned, here was a work she had done before I was born. I needed to have it."</p> <p>The content creator was in tears at the find, and quickly snapped up the artwork which was priced at $200, before he promptly called his aunt to tell her of the news, as he found out the story behind the painting. </p> <p>"I was hoping it was a secret lover and that I had uncovered a scandalous family secret but sadly not the case," he shared.</p> <p>Hull relayed that the artwork was of a man named Andrew and was done in a life drawing class she used to go to, with it still being in it's original frame.</p> <p>"We both were shocked at the randomness of the discover... It's so crazy that I saw this thought of her and then realised it was one of her works!" he said of the "surreal" moment.</p> <p>Fans were equally amazed by the find, as one person commented, "That's crazyyyyy. But what an amazing find! Funny how things come full circle, it was meant to be hanging in your home."</p> <p><em>Image credits: Instagram </em></p>

Art

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Readers response: Are there any celebrity biographies or memoirs you’ve read and loved?

<p>We asked our reader if there are there any celebrity biographies or memoirs they have read and loved, and the response was overwhelming. Here's what they said. </p> <p><strong>Sarah Hayse-Gregson</strong> - I have read so many, I just loved them all. The one that gave me a fit of the giggles was David Niven’s Bring on the Empty Horses.</p> <p><strong>Marie Jones</strong> - Jimmy Barnes, what a life.</p> <p><strong>Lorraine Henshaw</strong> - Sidney Poitier. I loved him!</p> <p><strong>Michelle Carr </strong>- John Farnham, Jelena Dokic, Tina Turner.</p> <p><strong>Margaret Hosking</strong> - Poirot and Me by David Suchet, and Margot Fonteyn: A Life by Meredith Daneman. Both excellent!!</p> <p><strong>Janet Courtney</strong> - Sister Vivian Bullwinkle who survived being shot by the Japanese on Banka Island during WWII and being taken as a POW.</p> <p><strong>Lindy Joso Kolega</strong> - Ahn Do, The Happiest Refugee.</p> <p><strong>Val Goodwin</strong> - David Niven, The Moon's A Balloon.</p> <p><strong>Lorraine Masters</strong> - Clark Gable, Kamahl, JOK, Sarah Henderson, Debbie Reynolds.....just name a few. I love biographies.</p> <p><strong>Christine Conforth</strong> - Keith Richard’s was interesting.</p> <p><em>Image credits: Shutterstock </em></p>

Books

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Tourists explain why they love “overrated” capital cities

<p dir="ltr">A group of travellers have explained why they love some capital cities that are often dubbed as “overrated”. </p> <p dir="ltr">On a dedicated travel thread on Reddit, one person asked the question, “Which capital city gets a lot of hate that you loved visiting?” which welcomed an influx of responses. </p> <p dir="ltr">A few capital cities were mentioned several times, one of which being the Greece capital of Athens. </p> <p dir="ltr">One Reddit user said they “avoided” Athens for a long time “because all I heard was negativity about it”.</p> <p dir="ltr">However, when they “finally went”, they say they “loved it” and “can't wait to go back”. </p> <p dir="ltr">Another person said they actually “loved” the city's “gritty feel” adding, “Incredible history at every turn, delicious affordable food, fun bars, cool music venues, neighbourhoods full of character and beautiful viewpoints.”</p> <p dir="ltr">Another capital that was mentioned was the Norwegian capital of Oslo, with one person saying the Scandinavian city was perfect for a short getaway. </p> <p dir="ltr">They wrote, “I’m not advising anyone to go for a long time but for a weekend trip, it’s lovely. The seaside is great with lots of beautiful modern architecture, the old town is picturesque, lots of trendy new places to eat and drink, some old castles to walk to and in general a really nice vibe and very walkable.”</p> <p dir="ltr">Washington D.C. was also mentioned with many people defending the city, with one person claiming “it’s generally other Americans who hate it.”</p> <p dir="ltr">One person wrote of the city, “We have great museums, food, way more nature than you’d expect for a city, and incredible music and dance scenes. It’s not just insufferable bureaucracy and politics.”</p> <p dir="ltr">The Belgian capital of Brussels was also mentioned, with the city often copping a lot of flack amongst travellers. </p> <p dir="ltr">However, many were quick to defend the city, as one person wrote,”I loved Brussels, it’s beautiful in places, has amazing museums, great beer, the EU Parliament is really interesting and the Atomium is awesome.”</p> <p dir="ltr"><em>Image credits: Shutterstock </em></p> <p> </p>

International Travel

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Want your loved ones to inherit your super? Here’s why you can’t afford to skip this one step

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/tobias-barkley-1271340">Tobias Barkley</a>, <a href="https://theconversation.com/institutions/la-trobe-university-842">La Trobe University</a></em></p> <p>What happens to our super when we die? Most Australians have superannuation accounts but about <a href="https://www.austlii.edu.au/cgi-bin/viewdoc/au/journals/SydLawRw/2024/10.html#Heading24">one in five</a> of us die before we can retire and actually enjoy that money.</p> <p>If we do die early our money is paid out as super “death benefits”. They can be substantial. Even people who die young can have $200,000–$300,000 of death benefits through <a href="https://moneysmart.gov.au/how-life-insurance-works/insurance-through-super">super life insurance</a>.</p> <p>Death benefits have recently been in the news for all the wrong reasons. Last week <a href="https://ministers.treasury.gov.au/ministers/jim-chalmers-2022/media-releases/mandatory-service-standards-superannuation-industry">the Treasurer Jim Chalmers</a> expressed concern about delays paying out death benefits.</p> <p><a href="https://lawcouncil.au/resources/submissions/proposed-reform-to-superannuation-death-benefits">The Law Council</a> is concerned people do not have enough control over how death benefits are distributed. <a href="https://www.watoday.com.au/national/western-australia/championing-for-molly-perth-mum-s-milestone-in-her-quest-for-justice-20241206-p5kwiu.html">Others are devastated</a> about death benefits being paid to alleged violent partners.</p> <h2>How can you decide who gets your unspent super?</h2> <p>Our first thought might be writing it in our will. However, super is not covered by our will as it does not become part of our <a href="https://www.austlii.edu.au/cgi-bin/viewdoc/au/cases/cth/FCA/2001/1535.html">deceased estate</a>.</p> <p>Instead, death benefits are distributed by the trustee of your superannuation fund. Under the law, there are two main mechanisms controlling distribution: <a href="https://www.australiansuper.com/superannuation/access-your-super-early/nominate-a-beneficiary#:%7E:text=A%20binding%20nomination%20instructs%20AustralianSuper,the%20date%20we%20accept%20it.&amp;text=Lapsing%20binding%20nomination%20%E2%80%93%20This%20nomination,date%20you%20sign%20the%20form.">binding nominations</a> and the trustee’s discretion.</p> <p>Every super member has the option to create a binding nomination. It’s like a will for your super that the super trustee is obliged to follow. It also needs two witnesses to execute it. However, there are actually more ways for a binding nomination to fail than for a will to fail.</p> <p>The law only allows you to nominate certain people: your “<a href="https://www.lawsociety.com.au/resources/resources/my-practice-area/elder-law/superannuation-FAQs#collapse_165">dependants</a>” or your estate. If you nominate anyone else your entire nomination stops being binding. Plus, unlike wills, there is no way to fix execution errors. Also, many binding nominations expire after three years.</p> <p>If you don’t have a binding nomination, then the trustee can choose who your death benefit goes to. There are two main mechanisms controlling how the trustee chooses who gets your death benefit.</p> <p>First, <a href="https://treasury.gov.au/sites/default/files/2019-03/c2019-t371937-discussion-paper.pdf">legislation</a> requires the trustee to give the death benefit to your dependants or deceased estate before anyone else. This means that your parents, for example, will only receive something if you have no children, partner or other dependants.</p> <p>Second, decisions made by trustees can be disputed by complaining to the <a href="https://www.afca.org.au/">Australian Financial Complaints Authority (AFCA)</a>. The authority has a rigid approach to who should get death benefits and trustees usually follow this course of action.</p> <p><a href="https://openjournals.library.sydney.edu.au/SLR/article/view/20199">Research I’ve done with Xia Li</a> of La Trobe University reveals what AFCA does in practice.</p> <p>Most crucially, people’s wishes expressed in non-binding nominations were essentially ignored. Our research found there was no statistically significant association between being nominated in a non-binding nomination and receiving any of the death benefit. This was true even for recent nominations.</p> <p>Other factors the complaints authority ignores are family violence and financial need. In one case, five daughters provided evidence, including a police report, that their deceased mother was a victim of violence perpetrated by her new partner. <a href="https://service02.afca.org.au/CaseFiles/FOSSIC/701195.pdf">In keeping with the Federal Court, AFCA gave the alleged perpetrator</a> everything because he alone would have benefited from the deceased’s finances if she had lived.</p> <p>In another case, <a href="https://service02.afca.org.au/CaseFiles/FOSSIC/874050.pdf">the deceased’s adult son received nothing</a> despite living with disability and “doing it tough”. He had refused financial help so was not financially dependent. AFCA gave everything to the partner.</p> <p>AFCA ignores these factors because of one key issue. It places “<a href="https://service02.afca.org.au/CaseFiles/FOSSIC/832049.pdf">great weight</a>” on whether beneficiaries are financially dependent on the deceased.</p> <p>This means when choosing between a financial dependent – such as a new partner who shares home expenses with the deceased, and non-financial dependants, such as most adult children – AFCA will almost always give everything to the spouse.</p> <p>Relying on financial dependence can be arbitrary. Unlike in family law, a de facto partner <a href="http://www.austlii.edu.au/cgi-bin/viewdoc/au/legis/cth/consol_act/sia1993473/s10.html#spouse">does not need to be living with you for two years</a> before becoming entitled. For example, <a href="https://service02.afca.org.au/CaseFiles/FOSSIC/753556.pdf">in one case AFCA gave a partner of possibly only seven months</a> (and 41 years younger than the deceased) everything and the deceased’s three children aged 27–33 nothing.</p> <p>Also, AFCA treats any regular payment that supports daily living as financial dependence. For example, <a href="https://service02.afca.org.au/CaseFiles/FOSSIC/714258.pdf">a son paying A$100 a week board to parents means both parents are financially dependent on the son</a>. In another case, payments from the deceased to his brother of $5,000, $7,000 and $5,000 made over a year <a href="https://service02.afca.org.au/CaseFiles/FOSSIC/842323.pdf">was not financial dependence because they were irregular</a>.</p> <p>The whole process is slow. The average time it takes to resolve a death benefit case that goes to AFCA is nearly <a href="https://www.austlii.edu.au/cgi-bin/viewdoc/au/journals/SydLawRw/2024/10.html#Heading248">three years and the longest case I’ve seen took over six</a>.</p> <p>The only thing that you can do that will make a difference is execute a binding nomination; non-binding nominations are worthless.</p> <p>But take care to execute your binding nomination correctly (get legal advice) and leave reminders for yourself to review it every three years.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/248019/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><a href="https://theconversation.com/profiles/tobias-barkley-1271340"><em>Tobias Barkley</em></a><em>, Lecturer, <a href="https://theconversation.com/institutions/la-trobe-university-842">La Trobe University</a></em></p> <p><em>Image credits: Shutterstock</em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/want-your-loved-ones-to-inherit-your-super-heres-why-you-cant-afford-to-skip-this-one-step-248019">original article</a>.</em></p> </div>

Money & Banking

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Share the love this Valentine’s Day with L’Occitane

<p dir="ltr">With Valentine’s Day just around the corner, it's time to think about treating the one you love most to something special. </p> <p dir="ltr">Luckily, <a href="https://au.loccitane.com/FleursdeCerisier.html">L’Occitane’s</a> new limited edition range has something for everyone. </p> <p dir="ltr">Featuring a limited edition fragrance inspired by the blooming Cherry Blossoms and Vineflowers of Provence, the feminine, floral, and fruity scent transports you to a springtime stroll.</p> <p dir="ltr">With six new products in the new Fleurs De Cerisier range, the fragrance combines fresh top notes of mandarin and white muscat, with a heart of cherry blossom and green grapevine flowers, leaving a soft, sensual dry-down of rosewood and white musks.</p> <p dir="ltr">The range features an Eau de Toilette perfume, a hair and body Mist, a body lotion, a hand cream, and of course, L’Occitane’s iconic shower oil. </p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-permalink="https://www.instagram.com/reel/DFKkRlZyYY5/?utm_source=ig_embed&amp;utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/reel/DFKkRlZyYY5/?utm_source=ig_embed&amp;utm_campaign=loading" target="_blank" rel="noopener">A post shared by L’Occitane en Provence | ANZ (@loccitaneanz)</a></p> </div> </blockquote> <p dir="ltr">For those who can’t decide, the Visite En Provence Fragrance Collection comes with a fresh mist, a fragrance and a hand cream to keep you covered. </p> <p dir="ltr">The stunning collection ranges from $29 to $125, boasting something for shoppers on every budget. </p> <p dir="ltr">With its delicate yet captivating scent, this collection will make any Valentine’s Day moment smell and feel extra special.</p> <p dir="ltr"><em>Image credits: Shutterstock / Instagram </em></p> <p> </p>

Beauty & Style

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"Overflowing with love": Fergie celebrates newest grandchild

<p>Sarah Ferguson has welcomed her fourth grandchild with the arrival of Princess Beatrice's second daughter. </p> <p>The Duchess of York shared a sweet photo of the new baby to Instagram, introducing the tiny tot and sharing her name. </p> <p>"Overflowing with love and joy to be able to welcome Athena Elizabeth Rose into the world," Fergie wrote. </p> <p>"She is already so adored and I'm incredibly blessed to be a Granny once again. So proud of Edo, Beatrice and the rest of my little 5-a-side team!"</p> <p>Proud new dad Edoardo Mapelli Mozzi, who took to the sweet snap of the camera-shy bub covering her face in her oversized onesie, commented on the post.</p> <p>"The best Gigi," he wrote, referring to what Fergie's grandkids call her.</p> <p>Edoardo also shared a post of the new baby, saying their family is "already completely besotted with her."</p> <p>He added, "A massive thank you from my wife and I goes out to all the wonderful staff at the Chelsea and Westminster Hospital for their exceptional care and support during this incredibly special time."</p> <p>Beatrice and Edoardo welcomed their first child, Sienna Elizabeth Mapelli Mozzi, on September 18th 2021, who is now three. Beatrice is also a loving stepmother to Mapelli Mozzi’s son, Christopher Wolf, affectionately known as Wolfie, from a previous relationship.</p> <p>Fergie is also a proud parent to her daughter Princess Eugenie's two children, August, three, and Ernest, one.</p> <p><em>Image credits: Instagram</em></p>

Family & Pets

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Does ‘made with love’ sell? Research reveals who values handmade products the most

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/tuba-degirmenci-2291455">Tuba Degirmenci</a>, <a href="https://theconversation.com/institutions/queensland-university-of-technology-847">Queensland University of Technology</a>; <a href="https://theconversation.com/profiles/frank-mathmann-703900">Frank Mathmann</a>, <a href="https://theconversation.com/institutions/queensland-university-of-technology-847">Queensland University of Technology</a>, and <a href="https://theconversation.com/profiles/gary-mortimer-1322">Gary Mortimer</a>, <a href="https://theconversation.com/institutions/queensland-university-of-technology-847">Queensland University of Technology</a></em></p> <p>We’ve all seen the marketing message “handmade with love”. It’s designed to tug at our heartstrings, suggesting extra care and affection went into crafting a product.</p> <p>As Valentine’s Day approaches, many businesses will ramp up such messaging in their advertising.</p> <p>Handmade gifts are often cast as more thoughtful, special options than their mass-produced, machine-made alternatives.</p> <p>But does “love” actually sell? Our new <a href="https://onlinelibrary.wiley.com/doi/10.1002/cb.2455">research</a>, published in the Journal of Consumer Behaviour, reveals not everyone feels the same way about these labels.</p> <p>Why do some people feel handmade products are made with love, while others don’t really care? We found it’s all about how they approach purchase decisions.</p> <h2>A deeper, human connection</h2> <p>Why do businesses market products as handmade? Previous research has shown handmade labels can lead to higher positive emotions. This tendency is known as the “<a href="https://journals.sagepub.com/doi/abs/10.1509/jm.14.0018">handmade effect</a>”.</p> <p>In a world of seemingly perfect and polished products, <a href="https://www.emerald.com/insight/content/doi/10.1108/09590551211267593/full/html">research</a> shows consumers increasingly prefer human (as opposed to machine) interactions, including in their shopping experiences.</p> <p>It’s also been shown that giving handmade gifts can <a href="https://link.springer.com/article/10.1007/s11002-024-09722-w">promote social relationships</a>.</p> <p>We often associated handmade products with smaller “cottage” retailers. But many major global retailers – including <a href="https://www.amazon.com/b?ie=UTF8&amp;node=120955898011">Amazon</a> and <a href="https://www.ikea.com/au/en/new/handcrafted-textiles-for-a-better-future-pub6fc26570/">IKEA</a> – have strategically introduced handmade products, aiming to connect on a deeper emotional level with their consumers.</p> <p>Our research found not all consumers respond in the same way to these marketing messages.</p> <figure><iframe src="https://www.youtube.com/embed/kYn-xUjv_qs?wmode=transparent&amp;start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe><figcaption><span class="caption">IKEA has previously run a dedicated handmade marketing campaign.</span></figcaption></figure> <h2>Who cares about love?</h2> <p>Across two studies, we found that the response to marketing products as “handmade” depends on a consumer’s locomotion orientation – put simply, how they approach decisions and other actions.</p> <p><a href="https://www.sciencedirect.com/science/article/abs/pii/S0022435917300155">Low-locomotion individuals</a> take things more slowly. They take their time and can thoroughly consider their purchase decisions. Think of them as the “mindful”.</p> <p>In contrast, high-locomotion individuals are “doers”. They like to get things done quickly without getting stuck in the details. They are the “grab-and-go” shopper.</p> <p>When the way they perform an action – such as making a purchase – matches their fast-paced mindset, something remarkable happens: they experience what’s called “<a href="https://myscp.onlinelibrary.wiley.com/doi/full/10.1002/jcpy.1317">regulatory fit</a>”.</p> <p>This fit boosts their emotions and engagement.</p> <h2>Our first study</h2> <p>In our first study, participants imagined buying a gift for a loved one. They were split into three groups and presented with a photo of the same mug.</p> <p>One group was informed that the mug was “handmade”, one group informed it was “machine-made”, and the last group was not offered any “production cue”.</p> <p>We also asked and measured how much “love” they felt the mug contained – and how much they would pay for it.</p> <p>The handmade mug evoked more love and led to a higher willingness to pay – but only for those with a “low-locomotion” orientation.</p> <p>High-locomotion individuals didn’t react in the same way. For these “doers”, the backstory of how the mug had been made wasn’t as important as just getting a product they needed.</p> <p>For the “doers”, the benefits of marketing the mug as handmade actually backfired.</p> <p>They felt more love for the mug if it had no label at all.</p> <h2>Our second study</h2> <p>By communicating with consumers on social media, marketers can trigger a mindset called “regulatory locomotion mode”. Put simply, this is the mode where we take action and make progress toward goals.</p> <p>Marketers can do this by using <a href="https://psycnet.apa.org/doiLanding?doi=10.1037%2F0022-3514.79.5.793">locomotion-activating</a> words such as “move” and “go” to encourage active decision-making.</p> <p>To borrow one famous example from Nike: “<a href="https://psycnet.apa.org/doiLanding?doi=10.1037%2F0022-3514.79.5.793">Just Do It</a>”.</p> <p>Our second study examined the marketer-generated content of over 9,000 Facebook posts from the verified <a href="https://www.facebook.com/Etsy">Etsy</a> Facebook page.</p> <p>We analysed how locomotion-activating words in social media posts for handmade products influence consumer engagement.</p> <p>In other words, we wanted to understand how these words affected social media engagement with the potential consumers reading them, particularly in terms of social media shares.</p> <p>We found the higher an individual’s locomotion orientation was, the fewer social media “shares” for handmade products occurred.</p> <h2>So, does handmade really matter?</h2> <p>As we get closer to Valentine’s Day, understanding these differences can help retailers tailor their marketing strategies.</p> <p>For “mindful” customers, retailers should highlight the story of the craftsmanship, care, and love behind a handmade product for Valentine’s Day. Use emotional language such as “made with love”.</p> <p>But be aware this mightn’t work on everyone. For a customer base of “doers”, keep it simple, leaving out unnecessary details about production methods.</p> <p>There are a range of <a href="https://marketingplatform.google.com/about/">website analytical tools</a> that can help retailers identify how their customers approach their purchase decision-making.</p> <p>Do they browse quickly, hopping from one product to the next, opting for “<a href="https://www.business.com/articles/one-click-purchasing-how-click-to-buy-is-revolutionizing-ecommerce/">one-click</a>” purchasing? Or do they take their time, browsing slowly and considering their product selection?</p> <p>Personalised marketing messages can then be crafted to emphasise the aspects – love or efficiency – that matter most to each group. The key lies in knowing who you’re speaking to.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/247351/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><a href="https://theconversation.com/profiles/tuba-degirmenci-2291455">T<em>uba Degirmenci</em></a><em>, PhD Candidate School of Advertising, Marketing and Public Relations, <a href="https://theconversation.com/institutions/queensland-university-of-technology-847">Queensland University of Technology</a>; <a href="https://theconversation.com/profiles/frank-mathmann-703900">Frank Mathmann</a>, Lecturer (Assistant Professor), <a href="https://theconversation.com/institutions/queensland-university-of-technology-847">Queensland University of Technology</a>, and <a href="https://theconversation.com/profiles/gary-mortimer-1322">Gary Mortimer</a>, Professor of Marketing and Consumer Behaviour, <a href="https://theconversation.com/institutions/queensland-university-of-technology-847">Queensland University of Technology</a></em></p> <p><em>Image credits: Shutterstock</em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/does-made-with-love-sell-research-reveals-who-values-handmade-products-the-most-247351">original article</a>.</em></p> </div>

Money & Banking

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To move or not to move: is it cheaper to find a new place or stay when your rent increases by 10%?

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/park-thaichon-175182">Park Thaichon</a>, <a href="https://theconversation.com/institutions/university-of-southern-queensland-1069">University of Southern Queensland</a> and <a href="https://theconversation.com/profiles/sara-quach-175976">Sara Quach</a>, <a href="https://theconversation.com/institutions/griffith-university-828">Griffith University</a></em></p> <p>Your landlord has just raised your rent by 10% and your mind starts running the numbers – should you cop it sweet or look to move?</p> <p>It’s a familiar scenario in today’s unpredictable housing market.</p> <p>Understanding the real costs of staying versus moving is essential for making informed choices: renters must consider hidden expenses such as moving costs, deposits and changing rental rates, giving them tools to handle rising rent pressures more effectively.</p> <h2>A grim time for many renters</h2> <p>National median market rents have hit record highs, reaching $627 per week, with an average annual growth rate of 9.1% during the past three years, according to real estate giant <a href="https://www.aph.gov.au/About_Parliament/Parliamentary_departments/Parliamentary_Library/Budget/reviews/2024-25/Housing#:%7E:text=Based%20on%20April%202024%20CoreLogic,the%20past%203%20calendar%20years">CoreLogic</a>.</p> <p><a href="https://www.corelogic.com.au/news-research/news/2024/rent-growth-picked-up-in-the-start-of-2024,-taking-rents-to-new-record-highs">CoreLogic</a> also reported annual rental changes (houses and units) in regional Australia are not far off from the big cities: annual rent changes were 9.4% for combined capital cities, 6.4% for combined regional areas, and 8.5% nationally.</p> <p>So, is it better to stay or move if your rent is raised by 10%? Let’s examine the costs and benefits of each option.</p> <h2>A breakdown of typical moving costs</h2> <p>We’ll start with the most obvious expense: <strong>moving costs</strong>.</p> <p>Professional moving services aren’t cheap. For example, moving a three-bedroom house in the Gold Coast costs <a href="https://www.muval.com.au/removalists/gold-coast">$1,095.25 on average</a>, with an hourly rate of $158.26.</p> <p>In a bigger city like Melbourne, the cost is slightly higher at <a href="https://www.muval.com.au/removalists/melbourne">about $1,118.46</a>.</p> <p>The moving costs between states or cities will be more expensive if you move further away.</p> <p>You could choose to handle packing yourself and hire some help with a truck – a common option with businesses such as “<a href="https://www.gumtree.com.au/s-removals-storage/gold-coast/2+men+and+a+truck/k0c18643l3006035">Two Men and a Truck</a>”, which typically costs around $100 per hour.</p> <p>Be aware, though, that the hourly rate often starts from the moment the truck leaves the company’s warehouse until it returns. Alternatively, you can rent a van for a lower price, such as $87 for a 24-hour <a href="https://www.bunnings.com.au/for-hire-handivan-24hr-first-100kms-inc-_p5470402">Handivan rental at Bunnings</a>.</p> <p>Don’t forget the cost of moving boxes, too: Bunnings’ 52 litre <a href="https://www.bunnings.com.au/bunnings-52l-light-duty-moving-carton_p0517130?srsltid=AfmBOoqCYAWT0P5apPiJpoOLRAIpUCHNi63ztvIZrG5CxCoNOv45G0TV">moving cartons</a> cost $2.66 each.</p> <p>End-of-lease or <a href="https://firstcallhomeservices.com.au/service-menu/bond-exit-end-lease-cleaning/"><strong>bond cleaning</strong></a> is another common expense.</p> <p>For a typical three-bedroom property, internal cleaning can range from $365 to $500.</p> <p>If you have pets, or kids who love drawing on the walls, your cleaning costs might be a bit higher.</p> <p>Now, let’s look at <strong>utility connection expenses</strong> that can catch people by surprise.</p> <p>Cancelling your internet service can be costly if you don’t meet the exit or cancellation policies. With <a href="https://www.telstra.com.au/internet/5g-home-internet">Telstra Home Internet</a>, for example, if you cancel within the first 24 months, you must return your modem within 21 days to avoid a $400 non-return fee.</p> <p>Most providers charge a cancellation fee or require final device repayments, typically ranging from $100 to $500, depending on the remaining contract period. As a renter, it might be wise to choose a no-lock-in contract plan to avoid these fees if you need flexibility.</p> <p>Electricity and gas connection and disconnection fees are usually minor but can add up, often costing about $40 to $60 for <a href="https://www.energyon.com.au/fees-and-charges/">connection and disconnection fees</a> for electricity alone. If your house uses gas for hot water or cooking, you may have to pay additional fees for setting up service.</p> <p>However, there are also <strong>non-financial costs</strong>, like the time spent searching for a new home, attending inspections, and putting in applications.</p> <p>Moving takes effort and energy for packing, transporting and unpacking.</p> <p>Some people feel emotionally attached to their current home, which can make leaving harder.</p> <p>Older renters <a href="https://www.sciencedirect.com/science/article/abs/pii/S1353829218311304">seem to draw strength</a> from their familiarity with, attachment to, and enjoyment of their place and community. This is something to be considered.</p> <p>Plus, moving can take <a href="https://www.nature.com/articles/s41537-023-00349-w">an emotional toll</a>.</p> <h2>The benefits of not moving</h2> <p>The clear benefit of staying is <strong>avoiding the hassle</strong> of relocating.</p> <p>Staying means saving on moving expenses and avoiding the time spent searching for a new place, packing and unpacking.</p> <p>This may also save some people from needing to take time off work.</p> <p>Changing and updating an address is also another tedious task that can be avoided by staying.</p> <p>Moving can hit the hip pocket with “<strong>after moving costs</strong>” that people may not initially consider.</p> <p>For instance, a new location might mean a longer commute. If each trip adds just 15 extra minutes, that could amount to an additional 11 hours per month over 22 workdays.</p> <p>For drivers, increased fuel and parking expenses might also come into play.</p> <p>Is the current or new location closer to a supermarket, hospital, and school? This proximity could be beneficial or detrimental, depending on the surrounding environment and available services.</p> <h2>To move or not to move?</h2> <p>One point to note is that overall, moving costs are likely to be similar between big cities and regional areas if you get moving supplies or rent a van from a large company such as Bunnings.</p> <p>In the end, moving costs will be around $2,000 based on the figures above, and it can be around $800 to $1,000 cheaper if you opt to rent a van instead of using a full-service moving company.</p> <p>Therefore, if the current rent is $600 per week and is about to increase by 10% to $660, the additional cost would be $3,120 per year.</p> <p>So is it cheaper to move or stay when your rent increases by 10%?</p> <p>The answer is moving may save about $1,000 to $2,000, but comes with the hassle and emotional toll of relocation. Staying will be more expensive, but with less hassle and emotional strain.</p> <p>The right choice depends on your situation.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/243155/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/park-thaichon-175182">Park Thaichon</a>, Associate Professor of Marketing, <a href="https://theconversation.com/institutions/university-of-southern-queensland-1069">University of Southern Queensland</a> and <a href="https://theconversation.com/profiles/sara-quach-175976">Sara Quach</a>, Senior Lecturer in Marketing, <a href="https://theconversation.com/institutions/griffith-university-828">Griffith University</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/to-move-or-not-to-move-is-it-cheaper-to-find-a-new-place-or-stay-when-your-rent-increases-by-10-243155">original article</a>.</em></p> </div>

Money & Banking

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"This can't be real": Couple's unbelievable op-shop find

<p>An Australian man has made an epic discovery in his local op shop. </p> <p>Rob Klaric was browsing Lifeline's Mosman store on Sydney's north shore when he spotted two framed photos of himself and his wife, which they had lost while moving house more than 30 years ago. </p> <p>The photos were taken in 1988 when he and Leonie, his wife of 35 years, were backpacking across Europe. </p> <p>But turns out luck was on their side and they were reunited with their prized possession more than three decades later. </p> <p>"I'm still buzzing with this. I mean, what's the chances?" he told 2GB's Ben Fordham. </p> <p>"I've walked into a store and I see these pictures and I thought I was hallucinating."</p> <p>The photos hold special meaning for the couple, as it was taken in his mum's backyard when they went to visit her in Europe. </p> <p>"We backpacked across Europe, [went] to my mother's place in the north of Italy – so the photos are iconic because it's [taken] in my mother's backyard and Mum's just passed away a few years ago now."</p> <p>A year later, the couple got married, and the year following they had these images framed before they lost them in a move in 1993, when a removal company misplaced the boxes they were packed in. </p> <p>"I still tremble because I thought, 'this can't be real'."</p> <p>"The ironic thing is that my picture, apologies Leonie, mine was more expensive. It was $12 and hers was $8," he said. </p> <p>Klaric wondered if his late mother had something to do with the special find. </p> <p>"But look, it's got my mum, my beautiful old Italian mum, it's got her fingerprints all over it," he said. </p> <p>"Because those pictures were right in the middle [of the shop], on the floor, you would have never seen it unless you walked through the store. And if it was on the left or the right you wouldn't have seen it.</p> <p>"I think she's looking down from Heaven."</p> <p><em>Images: DailyMail</em></p>

Family & Pets

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"Only in Australia": Couple finds koala asleep in their bed

<p>A couple from Adelaide have got the shock of their lives when they returned home to find a koala asleep in their bed. </p> <p>Francielle Dias Rufino told <em>9News</em> that when her and her husband Brunno they found the marsupial catching up on sleep in their bed, just metres away from where their dog was sleeping too. </p> <p>Francielle, who moved to Australia from Brazil with her husband two-and-a-half years ago, said she screamed out to her husband in Portuguese when she found the furry intruder. </p> <p>"I was so nervous that I forgot my English," she said.</p> <p>She said their dachshund cross beagle was asleep in his dog bed, metres from the sleeping koala, adding, "He made a new friend!" </p> <p>Francielle said she believed the koala entered the house via the doggy door, as "The doors and the windows were locked. Only in Australia!"</p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-permalink="https://www.instagram.com/reel/DCTVyjfgoKz/?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/DCTVyjfgoKz/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by 7NEWS Adelaide (@7newsadelaide)</a></p> </div> </blockquote> <p>In a video taken by Rufino, the koala glanced at the couple before climbing up to a bedside table and returning to the comfy bed when they tried to move the animal outside. </p> <p>When they tried calling animal rescue hotlines only to be found they weren't open at the late hour, Brunno tried to usher the koala outside with a blanket, prompting the sleepy animal to try and bite him. </p> <p>"Or maybe he wasn't happy because we woke him up," Rufino laughed.</p> <p>She said she was a lover of the animals and the visit was "a very nice surprise".</p> <p>"He was so cute. I love koalas," she said. "He can come back anytime he likes."</p> <p><em>Image credits: Nine</em></p>

Family & Pets

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Readers response: What’s the best book you’ve read recently, and what did you love about it?

<p>With hundreds of new books on the market, it's hard to know what are the best to recommend.</p> <p>We asked our readers what the best book they've read recently is and what did they love about it, and the response was overwhelming. Here's what they said. </p> <p><strong>Helen Ulgekutt</strong> - The Venice Hotel by Tess Woods, loved it start to finish.</p> <p><strong>Zoy Crizzle</strong> - The Little Paris Bookshop by Nina George. Great book, so easy to read and an interesting story line. I loved it.</p> <p><strong>Keralie Stack</strong> - I have just finished Fallen Woman by Fiona McIntosh. A good read.</p> <p><strong>Karen Peardon</strong> - The Borrowed Life of Frederick Fife by Anna Johnston. A great story.</p> <p><strong>Nola Schmidt</strong> - The Perfect Passion Company by Alexander McCall Smith. It was clever, witty, and gentle. </p> <p><strong>June Lennie</strong> - People of the Book by Geraldine Brooks. Interesting story set in different historical periods. Brilliantly written and researched.</p> <p><strong>Christine Hayes</strong> - Where the Crawdads Sing, just beautiful.</p> <p><strong>Sandra Moores</strong> - All That's Left Unsaid by Tracey Lien.  A great debut based in Cabramatta, very compelling read.</p> <p><strong>Greg Cudmore </strong>- 'To Alpha From Omega'. Although very much Australian, its themes are universal.</p> <p><strong>Denise Zephyr</strong> - The Days I Loved You Most. Such a beautiful story and a beautiful ending.</p> <p><strong>Marie Chong</strong> - Minding Frankie by Maeve Binchy. I love all her books, she tells a good story.</p> <p><strong>Yvonne Bercov</strong> - The Nightingale by Kristin Hannah, couldn’t put it down.</p> <p><em>Image credits: Shutterstock </em></p> <p> </p>

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