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Is it OK to leave device chargers plugged in all the time?

<div class="theconversation-article-body"> <p>How many chargers do you own? We’re surrounded by rechargeable electronic devices – mobile phones, laptops, smart watches, headphones, e-bikes and more.</p> <p>You might have a phone charger plugged in next to your bed without ever bothering to switch it off at the wall or unplugging it when not in use. The same might go for a laptop charger by your desk.</p> <p>But is that risky to do? And are there hidden costs associated with leaving chargers plugged in all the time?</p> <h2>What’s inside a charger?</h2> <p>Naturally, not all chargers are the same. Depending on the application and power requirement, their internal structure can range from very simple to complex.</p> <p>However, a typical charger takes in the AC (alternating current) from the wall plug and converts it to a low-voltage DC (direct current) suitable for your device’s battery.</p> <p>To understand the difference between DC and AC, consider the flow of electrons in a wire. In a DC circuit, electrons move in one direction and keep rotating in the circuit. In an AC circuit, electrons doesn’t circulate and only move back and forth.</p> <p>The reason for why we use both types of current goes a long way back, to the time when inventors Thomas Edison and Nicola Tesla battled over which type <a href="https://www.history.com/articles/what-was-the-war-of-the-currents">would become the default standard</a>. Today, we are <a href="https://www.energy.gov/articles/war-currents-ac-vs-dc-power">still stuck between both</a>. Electricity is traditionally generated in AC form, but modern appliances and batteries require the DC form. This is why almost every electrical appliance comes with an AC–DC converter.</p> <p>To do the conversion from AC to DC, a typical charger needs several electrical components such as a transformer, a circuit for doing the actual conversion, filtering elements to enhance the quality of output DC voltage, and control circuitry for regulation and protection.</p> <h2>Chargers consume power even when not charging</h2> <p>“Vampire power” is real. If you leave it plugged in, a charger will continuously draw a small amount of power. Part of this power is used to keep the control and protection circuits running while the rest is lost as heat.</p> <p>When we look at an individual small charger, the vampire power – also known as standby power – is negligible. However, if you add up all the chargers in your home for various devices, over time the wasted energy can be significant. Standby power is not exclusive to chargers, either; other electronic devices such as TVs draw a little bit of standby power, too.</p> <p>Depending on how many things you leave plugged in, over the course of the year it could amount to several kilowatt hours.</p> <p>That said, modern chargers are designed to minimise standby power consumption. These chargers come with smart power management components that keep them in sleep mode until an external device attempts to draw power.</p> <h2>There are other risks, too</h2> <p>Chargers wear out over time when electricity flows through them, particularly when the electricity grid voltage temporarily rises above its rated value. The electricity grid is a chaotic environment and various voltage rise events happen from time to time.</p> <p>Leaving your chargers exposed to these events will shorten their life. This premature ageing shouldn’t be alarming for modern devices, thanks to their improved design and control. But it is particularly concerning for cheap, uncertified chargers. These often lack appropriate levels of protection and can be a fire hazard.</p> <h2>How should I treat my chargers?</h2> <p>Although modern chargers are generally very safe and should be drawing minimal standby power, consider unplugging them anyway – if convenient.</p> <p>If a charger gets warmer than usual, makes noise, or is damaged in any way, it is time for a replacement. And it definitely shouldn’t be left plugged in.<!-- 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/255016/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/glen-farivar-2373201">Glen Farivar</a>, Lecturer in Power Electronics, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</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/is-it-ok-to-leave-device-chargers-plugged-in-all-the-time-an-expert-explains-255016">original article</a>.</em></p> <p><em>Image: </em><a class="source" style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif; text-align: center;" href="https://unsplash.com/photos/white-and-black-power-strip-YrdSQ_1gYRE"><em>Kit/Unsplash</em></a></p> </div>

Technology

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"First time I've really cried": Star shares sad family news

<p>Christina Applegate is mourning the loss of her father, Robert "Bob" Applegate, who passed away last week. The 53-year-old actress shared the heartbreaking news during an emotional episode of her podcast MeSsy, which she co-hosts with fellow actress Jamie Lynn Sigler.</p> <p>Applegate broke down in tears as she revealed her father had died just a week earlier, marking the first time she publicly grieved his passing.</p> <p>"You're probably wondering why I'm crying right now, I'm sorry," Applegate said through tears. "My dad just passed away a week ago. This is the first time I've really cried."</p> <p>Struggling to hold back emotion, the <em>Dead to Me</em> star admitted that she had been suppressing her grief. "I think kind of, like, I wasn't allowing myself to have that yet. [I was] too busy with this, too busy with that."</p> <p>Applegate hinted that her father's death followed an illness, though she did not share specific details. “We knew he was going to die," she said. "Is that an excuse for not feeling? Because you know that someone's gonna go, and you've said your goodbyes?”</p> <p>The episode of MeSsy centreed on a conversation about grief with guest JoAnna García Swisher. Sigler, aware of how raw the topic might be, warned that the discussion could be "triggering" for Applegate. At the time, Applegate believed she would be able to handle it – but as the recording unfolded, her sadness surfaced.</p> <p>“I thought I was going to be OK, and I’m not,” she said. “I’m insanely sad.”</p> <p>Christina Applegate, the only child of Bob Applegate and actress Nancy Priddy, has largely kept her family life out of the spotlight. However, she and her father did share a public moment together in 2013 on TLC’s <em>Who Do You Think You Are</em>, exploring their family’s roots.</p> <p>Bob Applegate’s passing comes during an already difficult chapter in Christina’s life. In 2021, she was diagnosed with Multiple Sclerosis (MS). She has spoken candidly about her battle with the illness, revealing on a recent episode of Dax Shepard's <em>Armchair Expert</em> that she has “30 lesions” on her brain.</p> <p>“My biggest one is behind my right eye, so my right eye hurts a lot,” she shared.</p> <p><em>Images: Instagram</em></p>

Caring

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Australia has the highest gambling losses in the world. Is it time for mandatory limits?

<div class="theconversation-article-body">Gambling prevalence studies provide a snapshot of gambling behaviour, problems and harm in our communities. They are typically conducted about every five years.</p> <p>In some Australian states and territories, four or five have been conducted over the past 20 or so years. These have provided a snapshot into how gambling has changed – and how it has not.</p> <p>So, how has gambling in Australia changed in the past two decades or so, and where may we be heading?</p> <blockquote class="twitter-tweet"> <p dir="ltr" lang="en">Australia has the highest gambling losses in the world.<br />Australia should: <br />🚫 Ban gambling ads<br />🎰 Introduce loss limits on pokies and online gambling<br />📉 Progressively cut the number of pokies in each state</p> <p>Our new report shows how governments should prevent gambling harm.… <a href="https://t.co/7U3IgzOLSp">pic.twitter.com/7U3IgzOLSp</a></p> <p>— Grattan Institute (@GrattanInst) <a href="https://twitter.com/GrattanInst/status/1831297414080176469?ref_src=twsrc%5Etfw">September 4, 2024</a></p></blockquote> <h2>The intensification of gambling</h2> <p>In 1997-98, the Productivity Commission found <a href="https://www.pc.gov.au/inquiries/completed/gambling/report/summary.pdf">about 82% of Australians</a> had gambled in the previous 12 months.</p> <p>Almost all further prevalence studies show the proportion of adults gambling has declined substantially over time.</p> <p>The <a href="https://www.gambleaware.nsw.gov.au/resources-and-education/check-out-our-research/published-research/nsw-gambling-survey-2024">2024 NSW prevalence survey</a>, for example, found 54% reported gambling in the previous 12 months, down from 69% in 2006.</p> <p>While fewer people are gambling, the proportion of people experiencing problems has not changed much, <a href="https://www.qgso.qld.gov.au/statistics/theme/society/gambling/australian-gambling-statistics">nor has gambling turnover</a>.</p> <p>In some states, gambling turnover has increased, even when you take inflation into account.</p> <p>So while a smaller proportion of people are gambling, those who do gamble are doing so more frequently, and spend more money – a phenomenon we have described as the “intensification” of the industry.</p> <p>As figures from the Grattan Institute show, the vast majority of gambling spend comes from a very small proportion of people who gamble.</p> <p><iframe id="Z6EYJ" class="tc-infographic-datawrapper" style="border: 0;" src="https://datawrapper.dwcdn.net/Z6EYJ/" width="100%" height="400px" frameborder="0" scrolling="no"></iframe></p> <h2>What’s the problem?</h2> <p>Typically, the focus in gambling studies has been on “problem gamblers”, a term we now avoid because it can be stigmatising.</p> <p>This refers to those experiencing severe problems due to their gambling, which is typically <a href="https://www.justice.vic.gov.au/justice-system/safer-communities/gambling/victorian-population-gambling-and-health-study-2023">about 1% of the adult population</a>, and around 2% of people who gamble.</p> <p>This doesn’t sound like much, until you remember 1% of adults in Australia is more than 200,000 people. That’s a lot of people struggling with severe problems.</p> <p>Based on recent prevalence surveys in Australia, these gamblers spend <a href="https://www.gambleaware.nsw.gov.au/resources-and-education/check-out-our-research/published-research/nsw-gambling-survey-2024">about 60 times as much</a> as people who do not experience problems.</p> <p>However, that’s just the most severe cases.</p> <h2>How gambling harms people</h2> <p>When most people think of gambling harm, they think about financial harm. But gambling can cause problems with relationships, work and study, emotional and psychological harm, and <a href="https://bmcpublichealth.biomedcentral.com/articles/10.1186/s12889-016-2747-0">even cause health issues</a>.</p> <p>Some degree of gambling harm is experienced by <a href="https://www.gambleaware.nsw.gov.au/resources-and-education/check-out-our-research/published-research/nsw-gambling-survey-2024">around 10-15%</a> of people who gamble.</p> <p>Some groups are overrepresented: young men typically experience very high levels of harm compared to others. Other overrepresented groups are:</p> <ul> <li>those who have not completed tertiary education</li> <li>people who speak a language other than English</li> <li>people who identify as Aboriginal or Torres Strait Islander.</li> </ul> <p>Harm isn’t just experienced by people who gamble, though – it impacts the people around them.</p> <p>While young men are more likely to experience harm from their own gambling, <a href="https://www.gambleaware.nsw.gov.au/resources-and-education/check-out-our-research/published-research/nsw-gambling-survey-2024">women, particularly young women</a>, are most likely to experience harm from someone else’s gambling.</p> <p>When we take all of these sources of harm into account, we get a much better picture of gambling harm in our community: <a href="https://www.gambleaware.nsw.gov.au/resources-and-education/check-out-our-research/published-research/nsw-gambling-survey-2024">around 15-20% of all adults</a> (not all gamblers) experience harm.</p> <p>That’s very different to the figure of 1% we’ve focused on in the past.</p> <p>We’re still missing some accounting, though: we don’t know how much harm is experienced by people under 18, for example, because prevalence studies typically only include adults.</p> <h2>Where does the harm come from?</h2> <p>The most problematic form in Australia is pokies, responsible for <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC10260219/#:%7E:text=EGMs%20are%20responsible%20for%2051,problems%20due%20to%20low%20participation.">about 51-57% of problems</a>.</p> <p>Casinos are responsible for <a href="https://ftp.justice.vic.gov.au/justice-system/safer-communities/gambling/victorian-population-gambling-and-health-study-2023">another 10-14%</a>, although fewer people have been gambling in casino games in recent years.</p> <p>Sports betting and race betting together account for about another 19-20% of harm.</p> <p>Between them, pokies, casino games and sports and race betting account for about 90% of harm to Australian gamblers.</p> <p><iframe id="w2wEY" class="tc-infographic-datawrapper" style="border: 0;" src="https://datawrapper.dwcdn.net/w2wEY/" width="100%" height="400px" frameborder="0" scrolling="no"></iframe></p> <h2>Availability is an issue</h2> <p>This widespread availability of pokies is the biggest single driver behind gambling harm in Australia.</p> <p><iframe id="hIgeD" class="tc-infographic-datawrapper" style="border: 0;" src="https://datawrapper.dwcdn.net/hIgeD/" width="100%" height="400px" frameborder="0" scrolling="no"></iframe></p> <p>In other countries, pokies are limited to venues that are specifically used for gambling, like casinos or betting shops.</p> <p>We have pokies in a huge number of our pubs and clubs, except in Western Australia.</p> <p>A couple of years ago, we used national prevalence data to compare gambling problems in WA <a href="https://akjournals.com/view/journals/2006/12/3/article-p721.xml">to the rest of the country</a>.</p> <p>A higher percentage of adults in WA gamble, but mostly on the lotteries which are typically <a href="https://theconversation.com/pokies-lotto-sports-betting-which-forms-of-problem-gambling-affect-australians-the-most-240665">not associated with much harm</a>.</p> <p>Gambling on pokies is far less prevalent in WA because they’re only available in one casino. Gambling problems and harm are about one-third lower in WA, and our analysis shows this can be attributed to the limited access to pokies.</p> <p>This also tells us something important. If pokies are not available, people will typically not substitute them with other harmful forms. It points to the role of the availability of dangerous gambling products in gambling harm, rather than personal characteristics.</p> <p>Online gambling has also become a lot more available. Most of us now have a mobile phone almost surgically implanted onto our hand, making online gambling more accessible than ever. Not surprisingly, <a href="https://www.gamblingresearch.org.au/publications/second-national-study-interactive-gambling-australia-2019-20">online gambling continues to increase</a>.</p> <h2>An obvious solution to try</h2> <p>Governments have taken increasingly proactive measures to help address gambling harm, such as the <a href="https://www.dss.gov.au/gambling/resource/national-consumer-protection-framework-online-wagering-national-policy-statement">National Consumer Protection Framework for Online Gambling</a>, strategies for minimising harm such as NSW’s investment into <a href="https://www.nsw.gov.au/media-releases/gambleaware-week-0">gambling harm minimisation</a>, Victoria’s <a href="https://www.theguardian.com/australia-news/2024/nov/26/victoria-pokies-changes-limits-new-laws">proposed reforms on pokies</a> including mandatory precommitment limits, Queensland’s <a href="https://www.publications.qld.gov.au/dataset/gambling-harm-min/resource/84d444db-97e0-4be0-8e87-0c6f0cb412d6">Gambling Harm Minimisation Plan</a> and the ACT’s <a href="https://www.gamblingandracing.act.gov.au/__data/assets/pdf_file/0009/1436580/Strategy-for-gambling-harm-prevention.pdf">Strategy for Gambling Harm Prevention</a>.</p> <p>Voluntary limits have been trialled to help people keep their gambling under control, but have had <a href="https://www.abc.net.au/news/2024-12-03/nsw-government-cashless-gaming-trial-findings-released/104679384">virtually no uptake</a>.</p> <p>For example, the recent <a href="https://www.liquorandgaming.nsw.gov.au/__data/assets/pdf_file/0018/1340136/evaluation-of-the-nsw-digital-gaming-wallet-trial-2024.pdf">NSW Digital Gaming Wallet trial</a> was conducted in 14 venues. Only 32 people were active users, and 14 of these were deemed genuine users. <a href="https://www.adelaide.edu.au/saces/ua/media/652/evaluation-of-yourplay-final-report_0.pdf">Another study</a> found only 0.01% of all money put through machines in Victoria used the voluntary YourPlay scheme.</p> <p>The problem with voluntary limits is, no one volunteers.</p> <p>Mandatory limits though are almost certainly necessary, just like we have mandatory limits for how fast you can drive, or how much you can drink before the bartender puts you in a taxi.</p> <p>There will almost certainly be push back against this, just like the introduction of mandatory seatbelts in the 1970s, or <a href="https://www.abc.net.au/news/2023-10-04/road-safety-history-australia-toll-increase/102903364">the introduction of random breath testing</a>.</p> <p>Now, we accept them as important public health measures.</p> <p>History tells us the same will happen with mandatory gambling limits, even if we’re a bit uncomfortable about it at first.<!-- 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/252389/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/alex-russell-133860">Alex Russell</a>, Principal Research Fellow, <a href="https://theconversation.com/institutions/cquniversity-australia-2140">CQUniversity Australia</a>; <a href="https://theconversation.com/profiles/matthew-browne-97705">Matthew Browne</a>, Senior Lecturer in Statistics, <a href="https://theconversation.com/institutions/cquniversity-australia-2140">CQUniversity Australia</a>, and <a href="https://theconversation.com/profiles/matthew-rockloff-569">Matthew Rockloff</a>, Head, Experimental Gambling Research Lab, <a href="https://theconversation.com/institutions/cquniversity-australia-2140">CQUniversity Australia</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/gambling-in-australia-how-bad-is-the-problem-who-gets-harmed-most-and-where-may-we-be-heading-252389">original article</a>.</em></p> <p><em>Image: Shutterstock</em></p> </div>

Money & Banking

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Win a free Legacy Film and capture a life story that matters

<p>Have you ever wished you could freeze time – preserve a loved one’s stories, laughter and quiet reflections so they can be cherished for generations to come? Now you can.</p> <p>Danika Armytage, founder of <a href="https://www.bigstorieslittlefilms.com.au/" target="_blank" rel="noopener"><em>Big Stories Little Films</em></a>, recently appeared on <em>The Morning Show</em> to share her mission: helping Australians preserve their life stories on film. And now, she’s giving one lucky person the chance to win a professionally made legacy film – completely free. Take a look:</p> <p><iframe title="YouTube video player" src="https://www.youtube.com/embed/z1DPvQFmZFg?si=8yIDGnbaKRA20n_D" width="560" height="315" frameborder="0" allowfullscreen="allowfullscreen"></iframe></p> <p>A legacy film is a beautifully crafted short documentary film that captures a life story, family history, and the wisdom passed between generations – something to treasure forever.</p> <p>Nominations are open throughout April, with the winner to be announced in May.</p> <p>Valued at over $3,000, the film can feature the life story of an individual or a couple. So how will the winner be chosen?</p> <p>“The story doesn’t need to be defined by fame or accolades,” Danika says. “Maybe the person has led an extraordinary life, overcome big obstacles, or perhaps this film is simply something their family deeply wants to preserve. When choosing the winning nomination, it’s really about the story that matters to the people who love them.”</p> <p>While the giveaway is open to everyone, Danika adds that they’re especially mindful of those for whom the timing feels particularly important.</p> <p>“There are some stories that really can’t wait to be told,” she explains. “But truly, I encourage everyone to apply.”</p> <p>If you or someone you love has a story worth telling – and treasuring – head to <a href="https://www.bigstorieslittlefilms.com.au/" target="_blank" rel="noopener">bigstorieslittlefilms.com.au</a> to submit a nomination. And if you <em>DO</em> win, be sure to contact us via <a href="mailto:contact@oversixty.com.au" target="_blank" rel="noopener">contact@oversixty.com.au</a> so we can share it with the world!</p> <p><em>Images: Big Stories Little Films</em></p>

Movies

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"It's time": ABC legend announces retirement

<p>ABC’s chief election analyst Antony Green has announced his plans to step down from the public broadcaster after 30 years in his distinguished role. </p> <p>Green announced that he would be retiring after the next federal election, which is rumoured to take place between March and May 2025. </p> <p>“By the time of the next election, I’ll be 68 and I know I’m not as sharp and quick as I was five years ago,” Green said, according to the <em>ABC</em>.</p> <p>“It gets harder and harder. It’s like a footballer, sometimes they play on a season too long, and I’m making sure I don’t do that.”</p> <p>Green, who has covered more than 90 Australian elections, said it was “time to retire” but he would “stay on” for a couple years “handing over work and doing other things”.</p> <p>“Essentially I’m deciding to retire and work less,” Green said.</p> <p>“I got this job as an election worker 36 years ago and I decided I enjoyed doing it – I’ve done a lot of development since. It’s been a long, fun journey.”</p> <p>Green’s final on-air appearances will be the West Australian state election on March 8th and the federal election, which is yet to be announced.</p> <p>Casey Briggs will step in  as ABC’s chief election and data analyst after Green's departure, as she announced he would be missed. </p> <p>“For more than three decades Antony Green has set the bar for election analysis. He is sharp, fast and, even under the immense pressure of the night, manages to keep his sense of humour,” Briggs said.</p> <p>“For me, it has been such a privilege to have had a front-row seat to watch and learn from the master at work."</p> <p>“We will all miss him from our screens, but I’m thankful that at least we get a couple more chances to celebrate his monumental contribution to Australia and its democracy.”</p> <p>ABC journalist Annabel Crabb said covering four federal elections with him had been “one of the great pleasures of (her) professional life”.</p> <p>“What a gift it is to our democracy and to our national broadcaster that in 1989 this wee maths nerd saw the ad in the paper for a research position at the ABC and the late Ian Carroll recognised in him the sprouts of the Tree Of Wisdom he’d become!” Crabb wrote in a social media post.</p> <p>“A legendary figure. A migrant success story. A generous colleague.”</p> <p><em>Image credits: ABC</em></p>

Retirement Life

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Bakery offering free food if you beat the boss at a simple game

<p dir="ltr">After struggling with dwindling customer numbers during the pandemic, a small bakery in Melbourne has come up with a unique way to drum up more business. </p> <p dir="ltr">The Pie Place in Coburg, north of Melbourne, is offering a free pie to any customer who can defeat the owner, Justin Talbot, in a simple game of Rock, Paper, Scissors.</p> <p dir="ltr">Justin admitted to <em><a href="https://9now.nine.com.au/today/free-pies-melbourne-baker-unique-offer-for-customers-who-beat-him-at-rock-paper-scissors/483a1355-d491-4b77-a1b0-50b0c72fe503">Today</a></em> that while the idea is unconventional, he said that when free food is involved, “you can’t go wrong”. </p> <p dir="ltr">"I was at home having a few beers and I thought, how can I drum up more business?" he said.</p> <p dir="ltr">"So I thought, why not have a bit of fun with my customers? We've been here for 40 years this month. I've been here for 10 years and I love being here, I love interacting with my customers, having a yarn with them, having a joke with them - it's pretty much my favourite part of work.”</p> <p dir="ltr">"Rock Paper Scissors is something out of the ordinary, everyone knows how to play, it's fun and if you win, you get a free pie."</p> <p dir="ltr">The initiative has gone down a treat with locals, with many claiming the shop has the “best pies” and are willing to risk their hand for a freebie. </p> <p dir="ltr">As Justin’s game gets more and more popular, he said he is willing to fork out whatever it costs to give out the free pies in order to connect with the community. </p> <p><iframe title="YouTube video player" src="https://www.youtube.com/embed/1TKgHxU0m8E?si=Rs9-G3TCQhQako8o" width="560" height="315" frameborder="0" allowfullscreen="allowfullscreen"></iframe></p> <p dir="ltr"><em>Image credits: Today </em></p>

Food & Wine

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Man slapped with $76,000 bill on free cruise

<p>A couple from the US have been slapped with a five-figure bill after embarking on a cruise that they won. </p> <p>Mark and Tami were onboard the Norwegian Cruise Line ship Encore, after winning their trip for free, to celebrate Tami given a clean bill of health after the successful removal of a “mass from her lungs” in October 2024 following a cancer diagnosis.</p> <p>Just four days after setting off on their five-week journey, Mark fell ill and was taken to the ship's dedicated ICU with flu symptoms and reduced oxygen levels. </p> <p>He received oxygen, a catheter, IV medications, and X-rays, and when he felt better the next morning, asked to quarantine in his cabin room for the remainder of the trip. </p> <p>However, he was not allowed to leave the medical ward, and so the costs of his stay there continued to climb.</p> <p>“Mike spent a total of four days in the medical ward and asked to be released each day,” his daughter Krystal Cameron wrote in a <a href="https://www.gofundme.com/f/relieve-mike-and-tamis-medical-burden?attribution_id=sl:5f4f89c5-bda8-4947-8f2b-5c9203b2cf8f&amp;lang=en_US&amp;utm_campaign=man_ss_icons&amp;utm_medium=customer&amp;utm_source=copy_link" target="_blank" rel="noopener" data-link-type="article-inline">GoFundMe</a> to help pay the $75,800 ($47,638 USD) medical bill.</p> <p>During that time, she said staff would not remove his IV line, or the catheter which Tamra claims had been incorrectly fitted and was “leaking”.</p> <p>“Not on your life would I put my life in these people’s hands,” Tamra added in a social media post.</p> <p>“Should have demanded to get off at (the) port (on the) British Virgin Islands, where I was lied to that they had no good hospital.”</p> <p>Norwegian Cruise Line confirmed to <a href="https://7news.com.au/news/mark-won-a-free-holiday-with-norwegian-cruise-line-then-he-was-slapped-with-a-75800-bill-onboard-c-17618959" target="_blank" rel="noopener">7News</a> that Mike’s medical procedures and resulting expenses have been reviewed internally by the company, writing in a statement, “Mr Cameron was admitted to the onboard medical centre and received appropriate treatment for his condition, followed by 62 hours of critical care."</p> <p>“We are committed to providing quality medical services and each of our ships is equipped with a state-of-the-art onboard medical centre, staffed with highly qualified physicians and nurses, to provide care for both guests and crew while at sea."</p> <p>The couple had purchased travel insurance and said the Norwegian Cruise Line medical secretary reassured them they were covered for $20,000 USD ($31,987 AUD) and told “not to worry” when they raised concerns.</p> <p>However, Norwegian Cruise Line maxed out both credit cards they had on file for the couple when charging them with the final bill, adding, “Medical insurance is not accepted onboard.”</p> <p>“We strongly encouraged the guest to file a claim with their health insurance provider post-cruise," Norwegian Cruise Line told <em>7News</em>. </p> <p>“As the guest did purchase travel insurance for their vacation, we have recommended they follow up on their claim with the insurance provider, after they have filed the claim with their health insurance provider.”</p> <p>But Krystal said “neither their travel insurance nor their personal health insurance will cover the medical treatments received”.</p> <p>The travel insurance company requires the couple’s health insurance company to initially pay the bill, but their health insurance company states because the incident happened abroad it is not covered by the policy, Krystal said.</p> <p>“Between Tami’s recent cancer diagnosis and surgery ... and my father’s illness ... their medical debt is quickly adding up,” Krystal said.</p> <p><em>Image credits: GoFundMe / Facebook </em></p>

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Returning home after a flood? Prioritise your health and take it one step at a time

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/kazi-mizanur-rahman-1057615">Kazi Mizanur Rahman</a>, <a href="https://theconversation.com/institutions/bond-university-863">Bond University</a></em></p> <p>Parts of North Queensland have received almost <a href="https://www.bbc.com/news/articles/cvgpvrgezp3o">two metres</a> of rain since the weekend, causing flash and riverine flooding that claimed the lives of <a href="https://www.brisbanetimes.com.au/national/queensland/second-death-confirmed-in-flood-hit-north-queensland-as-threat-eases-20250204-p5l9l1.html">two women</a> around Ingham.</p> <p>While some North Queensland residents are <a href="https://www.abc.net.au/news/2025-02-05/north-queensland-flooding-townsville-rainfall-flood-recovery/104894530">on alert</a> for more flooding, others are <a href="https://www.abc.net.au/news/2025-02-05/north-queensland-flooding-townsville-rainfall-flood-recovery/104894530">returning home</a> to assess the damage.</p> <p>This can be very confronting. You may have left in a rush when the evacuation order <a href="https://www.fire.qld.gov.au/aws">was issued</a>, taking only a few valuables and <a href="https://www.getready.qld.gov.au/emergencykit">necessary items</a>, and maybe your <a href="https://www.frontiersin.org/journals/veterinary-science/articles/10.3389/fvets.2024.1423501/full">pet</a>. You may have been <a href="https://pubmed.ncbi.nlm.nih.gov/37791723/">scared</a> and unsure of what would happen.</p> <p>Coming back and seeing the damage to the place you lived in and loved can be painful. You might also be worried about the <a href="https://pubmed.ncbi.nlm.nih.gov/35681967/">financial consequences</a>.</p> <h2>First, focus on safety</h2> <p>Make sure it’s <a href="https://www.betterhealth.vic.gov.au/health/healthyliving/After-a-flood-returning-home-safely">safe to return home</a>. Check with your energy provider whether power has been restored in your area and, if so, whether it’s <a href="https://www.ewoq.com.au/news-and-publications/news/support-for-customers-affected-by-floods">safe to turn the main switch back on</a>. Do not use appliances that got wet, as electrical hazards can be <a href="https://floodlist.com/dealing-with-floods/electricity-safety">deadly</a>.</p> <p>Look for any <a href="https://asic.gov.au/about-asic/news-centre/news-items/what-to-do-if-you-are-affected-by-floods-in-queensland/">structural damages to your property</a> and any hazards such as <a href="https://www.asbestos.qld.gov.au/sites/default/files/asbestos-cleaning-removing-asbestos-containing-materials.pdf">asbestos exposure</a>. Watch out for sharp objects, broken glass, or slippery areas.</p> <p>The hardest part is cleaning up. You will need to be patient, and prioritise your health and safety.</p> <h2>What risks are involved with flood clean ups?</h2> <p><a href="https://theconversation.com/dont-go-wading-in-flood-water-if-you-can-help-it-its-a-health-risk-for-humans-and-dogs-too-178027#:%7E:text=Health%20risks%20from%20flood%20water,thrive%20in%20mud%20and%20water">Floodwater</a> carries <a href="https://www.health.qld.gov.au/newsroom/doh-media-releases/health-risks-lurking-in-far-north-queensland-floodwaters#:%7E:text=Queensland%20Chief%20Health%20Officer%20Dr,risk%20of%20disease%20and%20infection.">mud</a> and <a href="https://www.publish.csiro.au/ma/Fulltext/MA23051">bugs</a>. It can also be contaminated with sewage.</p> <p>Contaminated flood water can cause <a href="https://theconversation.com/drinking-water-can-be-a-dangerous-cocktail-for-people-in-flood-areas-178028">gastroenteritis</a>, skin infections, conjunctivitis, or ear, nose and throat infections.</p> <p>Mud can <a href="https://journals.plos.org/plosntds/article?id=10.1371/journal.pntd.0010486">make you sick</a> by transmitting germs through broken skin, causing nasty diseases such as the bacterial infection <a href="https://www1.racgp.org.au/newsgp/clinical/melioidosis-a-deadly-infection-that-can-spread-aft">melioidosis</a>.</p> <p>Your house may also have <a href="https://www.abc.net.au/news/2022-04-04/qld-pest-controllers-report-spike-in-rats-snakes-after-floods/100958648">rodents</a>, <a href="https://www.abc.net.au/news/2022-04-04/qld-pest-controllers-report-spike-in-rats-snakes-after-floods/100958648">snakes</a>, or <a href="https://theconversation.com/after-the-floods-stand-by-for-spiders-slugs-and-millipedes-but-think-twice-before-reaching-for-the-bug-spray-157600">insects</a> that can bite. Rats can also carry diseases that contaminate water and enter your body through <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC9151845/#:%7E:text=It%20is%20presumed%20that%20infection,urine%20from%20animal%20reservoir%20hosts.">broken skin</a>.</p> <p>Be <a href="https://asthma.org.au/triggers/flooding-and-mould/">careful about mould</a>, as it can affect the air quality in your home and make asthma and allergies worse.</p> <p>Stagnant water in and around your home can become a place where <a href="https://www.mdpi.com/1660-4601/16/8/1393">mosquitoes breed and spread disease</a>.</p> <h2>How can you reduce these risks?</h2> <p>When you first enter your flood-damaged home, open windows to let fresh air in. If you have breathing problems, wear a face mask to protect yourself from any possible air pollution resulting from the damage, and any mould due to your home being closed up.</p> <p>Cleaning your home is a long, frustrating and exhausting process. In this hot and humid weather, drink plenty of water and take frequent breaks. Identify any covered part of your home with sufficient ventilation which is high and dry, and where flood water did not enter. Use that as your resting space.</p> <p>While assessing and cleaning, wear <a href="https://www.health.nsw.gov.au/emergency_preparedness/weather/Pages/household-cleanup.aspx">protective clothing</a>, boots and gloves. Covering your skin will reduce the chance of bites and infection.</p> <p>Wash your hands with soap and water <a href="https://www.redcross.org.au/emergencies/coping-after-a-crisis/cleaning-up-wind-water/">as often as possible</a>. And don’t forget to <a href="https://www.torres-cape.health.qld.gov.au/about-us/news/take-care-of-health-and-safety-during-flood-and-rain-20241213">apply</a> sunscreen and mosquito repellent.</p> <p>Throw away items that were soaked in floodwater. These could have germs that can make you ill.</p> <p>Empty your fridge and freezer because the food inside is <a href="https://www.foodsafety.asn.au/when-the-power-goes-off/#:%7E:text=Food%20stored%20in%20freezers&amp;text=If%20the%20freezer%20door%20is,food%20chilled%20for%2024%20hours.">no longer safe</a>.</p> <p>If there is standing water, avoid touching it.</p> <p>When you can, empty outdoor containers with stagnant water to prevent mosquitoes breeding.</p> <h2>Don’t overlook your mental health</h2> <p>When cleaning up after a flood, you may feel sad, anxious, or stressed. It’s hard to see your home in this condition.</p> <p>But know you are not alone. Stay connected with others, talk to your friends and families, and accept support. If you feel too overwhelmed, seek help from mental health support services in your area or contact <a href="https://www.lifeline.org.au/">Lifeline</a> on 13 11 14.</p> <p>On top of everything, be mindful about those who are vulnerable, such as older people and those with disabilities, as they may be <a href="https://bmjopen.bmj.com/content/12/8/e056210.abstract">more affected and find the clean up process harder</a>.</p> <p>Recovering from a flood takes time. Focus on what needs to be fixed first and take it step by step.<!-- 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/kazi-mizanur-rahman-1057615"><em>Kazi Mizanur Rahman</em></a><em>, Associate Professor of Healthcare Innovations, Faculty of Health Sciences and Medicine, <a href="https://theconversation.com/institutions/bond-university-863">Bond 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/returning-home-after-a-flood-prioritise-your-health-and-take-it-one-step-at-a-time-248902">original article</a>.</em></p> </div>

Domestic Travel

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Despite decades of beach safety ads, at least 55 people have drowned in Australia this summer. It’s time to change tack

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/samuel-cornell-1418374">Samuel Cornell</a>, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a></em></p> <p>Australia is considered a nation of beach lovers. But with all this water surrounding us, drownings remain tragically common. At least <a href="https://www.royallifesaving.com.au/research-and-policy/drowning-research/summer-drowning-toll">55 people have drowned</a> in waterways in Australia so far this summer, most of whom drowned at the beach. And the season’s not over.</p> <p>Every drowning is a tragedy, and Australia is nowhere near the federal-government supported <a href="https://www.watersafety.com.au/australian-water-safety-strategy/">goal of zero drownings</a>.</p> <p>Public health agencies are <a href="https://www.news.com.au/breaking-news/australia-in-the-grip-of-a-disturbing-rise-in-summer-drownings/news-story/bf2b1595f36bb4b458b371b9fab4f7ed">concerned</a> about the drowning numbers. So how do we fix it? An important factor to consider is how beach safety messages are communicated.</p> <h2>Another season, another campaign</h2> <p>The peak water safety bodies in Australia, <a href="https://sls.com.au/">Surf Life Saving Australia</a> and <a href="https://www.royallifesaving.com.au/">Royal Life Saving Society – Australia</a>, work to reduce drownings in all Australian aquatic locations, from swimming pools to rivers to beaches.</p> <p>Their public safety campaigns aim to raise awareness of drowning and risks around the water. Australians are undoubtedly safer because of the work and advocacy of these organisations – but drowning numbers remain stubbornly high.</p> <p>Surf Life Saving Australia is running a new campaign this summer – <a href="https://sls.com.au/surf-life-saving-calls-in-hollywood-actor-angus-sampson-to-help-reach-men-at-high-risk-of-drowning/">Stop, Look, Stay Alive</a> – featuring Australian-born actor and filmmaker Angus Sampson.</p> <p>This campaign is one of many in recent years urging Australians to stay safe near the water. Others include:</p> <ul> <li>the “swim between the flags” message</li> <li>the “<a href="https://sls.com.au/surf-life-saving-australia-launches-new-summer-safety-campaign-give-an-f-about-the-flags/">give an F about the flags</a>” campaign</li> <li>the <a href="https://sls.com.au/slsa-draws-the-line-on-rips/">“think line”</a> campaign, which urges people to “stop, look and have a plan”</li> <li>the <a href="https://www.floattosurvive.au/">“float to survive”</a> campaign, which urges people to <a href="https://static1.squarespace.com/static/5f7cf9fd8c3f251339c3dfa8/t/65ea851cbcbf287ede28cdc3/1709868332878/Float+to+Survive+Report.pdf">float if they’re in trouble in the water or stuck in a rip</a></li> <li>the <a href="https://www.royallifesaving.com.au/about/campaigns-and-programs/respect-the-river">“respect the river”</a> campaign.</li> </ul> <p>But the tragic number of drownings, particularly during summer, suggests not everyone is heeding the message. In fact, <a href="https://www.sciencedirect.com/science/article/abs/pii/S0278434322000760#:%7E:text=However%2C%20there%20is%20no%20evidence,and%20hazards%20to%20the%20public.">Australian researchers in 2022 found</a> no evidence to suggest beach drowning deaths in Australia have reduced over the long term. This, the researchers said:</p> <blockquote> <p>rais[es] questions regarding the effectiveness of existing strategies designed to communicate messages and information about beach safety and hazards to the public.</p> </blockquote> <h2>Changing how we communicate</h2> <p><a href="https://sls.com.au/surf-life-saving-calls-in-hollywood-actor-angus-sampson-to-help-reach-men-at-high-risk-of-drowning/">According to Surf Life Saving Australia</a> the current Angus Sampson campaign aims to be:</p> <blockquote> <p>appealing to more Aussies, in particular men who continue to swim at unpatrolled locations and take unnecessary risks.</p> </blockquote> <p>As the <a href="https://sls.com.au/surf-life-saving-calls-in-hollywood-actor-angus-sampson-to-help-reach-men-at-high-risk-of-drowning/">organisation notes</a>, 86% of all drowning deaths on Australia’s coast last year were men.</p> <p>The campaign involves ads on television and online, as well as outdoor advertising. The decision to use a mix of platforms is wise.</p> <p>But the use of a TV and movie celebrity may not be effective. A <a href="https://archive.acrs.org.au/files/arsrpe/RS030057.pdf?utm">review looking at road safety campaigns</a>, for example, found limited evidence of celebrity effectiveness in improving safety outcomes.</p> <p>Could it be more effective to, for example, <a href="https://academic.oup.com/heapro/article/38/2/daad034/7143327">use a TikTok star</a> who is hugely popular among young males?</p> <p>Research suggests using the <a href="https://www.tandfonline.com/doi/full/10.1080/28355245.2024.2350155">right platform</a> and “<a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC7501494">voices that matter</a>” offer benefits when delivering safety messages. This is in part due to the <a href="https://www.tandfonline.com/doi/full/10.1080/17524032.2023.2237693">emotional connection</a> people form with these social media stars, which can result in behaviour change.</p> <p>When asked for evidence to show the current public messaging campaigns are working, Surf Life Saving Australia (SLSA) told The Conversation:</p> <blockquote> <p>SLSA is committed to preventing drowning through holistic, evidence-based approaches, combining awareness programs like Stop Look Stay Alive with lifesaving services, in-person programs, and education. This summer alone, lifesavers have performed over <a href="https://sls.com.au/coastal-safety/sls-research/national-summer-coastal-drowning-data/">2,500 rescues and 700,000 preventative actions</a>.</p> <p>Despite population growth, <a href="https://www.sciencedirect.com/science/article/pii/S1326020023000961">coastal drowning has remained stable</a>. This summer, 32 coastal drownings have been reported, fewer than the <a href="https://sls.com.au/coastal-safety/sls-research/national-summer-coastal-drowning-data/">same period last year</a>. SLSA focuses on behaviour change through initiatives like beachpassport.org.au (with 21,000+ “passports” issued already!), and on-beach programs that have provided active community learning <a href="https://www.sciencedirect.com/science/article/pii/S2212420924007040">opportunities</a>.</p> <p>It’s too early to comment on the broader effectiveness of Stop Look Stay Alive, however preliminary campaign results show positive impact and an evaluation will be conducted by <a href="https://www.beachsafetyresearch.com/">UNSW Beach Safety Research Group</a> later this year.</p> </blockquote> <h2>Rethinking ‘swim between the flags’</h2> <p>Many current beach messaging approaches, <a href="https://sls.com.au/1281-reasons-swim-flags/">including “swim between the flags”</a>, compel people to fit into what the system wants.</p> <p>But many beaches <a href="https://theconversation.com/australian-beachgoers-are-told-to-always-swim-between-the-flags-but-what-if-there-arent-any-220043">don’t have flags</a>. And not everyone stops or looks for flags, signs, or even the conditions before they go into the water.</p> <p>And studies show while most domestic beachgoers know to swim between the flags, <a href="https://www.sciencedirect.com/science/article/abs/pii/S0278434322000760#:%7E:text=However%2C%20there%20is%20no%20evidence,and%20hazards%20to%20the%20public">many choose not to</a> because, for example, people are located closer to beaches without flags or lifeguard patrols.</p> <p>What’s more, research suggests overseas visitors to Australia do not always understand <a href="https://www.sciencedirect.com/science/article/abs/pii/S0925753522003058">what “swim between the flags” means</a> or terms often used on common beach safety <a href="https://www.sciencedirect.com/science/article/pii/S0925753523003089">signage</a> such as “shore dump” and “shore break”. One 2021 <a href="https://www.sciencedirect.com/science/article/pii/S0925753523003089">study</a> found 21% of international students perceived “always swim between the flags” to mean that beachgoers who don’t or can’t swim need to stay outside the flags.</p> <p>This shows that current strategies aren’t resonating with all beach users, and there’s a need to reassess beach safety messaging.</p> <h2>Changing tack</h2> <p>Other forms of public safety messaging should also be considered when trying to reduce drowning numbers in Australia.</p> <p>For example, <a href="https://onlinelibrary.wiley.com/doi/full/10.1002/hpja.785">people who have been caught in rip</a> might be encouraged to tell their stories publicly. Research into other areas of <a href="https://journals.sagepub.com/doi/full/10.1177/10732748241237328">public health communication</a>, such as vaccines, suggest this can form the basis of an effective campaign.</p> <p><a href="https://www.sciencedirect.com/science/article/abs/pii/S0278434322000760#:%7E:text=However%2C%20there%20is%20no%20evidence,and%20hazards%20to%20the%20public.">Research also suggests</a> teaching beachgoers about coastal science can improve beach safety behaviour. For example, people can be taught about how rip currents work, using images of dye released into the water.</p> <p>Crucially, consensus is needed on which <a href="https://www.jsams.org/article/S1440-2440(06)00231-3/abstract">key messages to prioritise</a>. Too much differing messaging <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC8807320/?utm_source">may lead to message fatigue or confusion</a> about which message is most important to follow.</p> <p>Messaging on beach safety to date has surely prevented drowning. But the stubborn drowning toll highlights the need to evaluate what is not working. Clear and consistent messaging, using modern platforms and engaging influencers may help us to get to zero drownings sooner.<!-- 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/245747/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/samuel-cornell-1418374">Samuel Cornell</a>, PhD Candidate, UNSW Beach Safety Research Group + School of Population Health, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</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/despite-decades-of-beach-safety-ads-at-least-55-people-have-drowned-in-australia-this-summer-its-time-to-change-tack-245747">original article</a>.</em></p> </div>

Domestic Travel

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Home ownership is slipping out of reach. It’s time to rethink our fear of ‘forever renting’

<div class="theconversation-article-body"> <p><em><a href="https://theconversation.com/profiles/dorina-pojani-413644">Dorina Pojani</a>, <a href="https://theconversation.com/institutions/the-university-of-queensland-805">The University of Queensland</a></em></p> <p>A wide range of voices in the Australian media have been <a href="https://www.theguardian.com/australia-news/2024/dec/05/share-with-parents-or-rent-forever-i-have-put-life-on-hold-while-trying-to-buy-a-house">sounding the alarm</a> about the phenomenon of “forever-renting”.</p> <p>This describes a situation in which individuals or families are <a href="https://www.abc.net.au/news/2024-08-10/young-people-priced-out-of-home-ownership/104202602">unable to transition</a> from renting to home ownership, due to rising property values and wages that can’t keep up.</p> <p>Forever-renting is often framed as a terrible condition that should be avoided at all costs – that renting is only acceptable in the short term, as an individual or family saves for a down-payment.</p> <p>The underlying implication is that the ultimate goal in life for just about every Australian should be to own a house – or at least a condominium unit.</p> <p>This only serves to stigmatise renters, who currently make up <a href="https://www.abs.gov.au/statistics/people/housing/housing-occupancy-and-costs/2019-20">nearly a third</a> of Australian households. Demographic research indicates <a href="https://www.jstor.org/stable/24639395">about 15% of Australia’s population</a> changes address every year. Many of these moves require rental accommodation.</p> <p>And, yes, millions of Australians will <a href="https://www.ahuri.edu.au/analysis/news/rising-proportion-forever-renters-requires-tax-and-policy-re-think">rent for their whole life</a>.</p> <p>Clearly, we need to change our thinking around renting to bring it into step with reality. We must accept that the proportion of renters may never go down – or may even increase – and that that’s not necessarily a bad thing.</p> <h2>Where did this attitude come from?</h2> <p>The Australian tradition of home ownership was established in the early decades of European settlement. To make what we now call the “Australian dream” happen, the continent had to be treated as a <em>tabula rasa</em>, or blank slate. A mass of Indigenous people were <a href="https://theconversation.com/refugees-in-their-own-land-how-indigenous-people-are-still-homeless-in-modern-australia-55183">dispossessed</a>.</p> <p>Migration to Australia offered impoverished Britons an opportunity to own a house and plenty of land. In the old country, in contrast, real estate ownership had been a privilege of the gentry. Postwar waves of immigrants from southern Europe and East Asia were also intent on home ownership.</p> <p>In a low-density nation with smallish cities and cheap land, owning a home made sense. Now, urban land is no longer cheap and our <a href="https://www.apimagazine.com.au/news/article/scale-of-urban-sprawl-in-australia-hurting-more-than-just-the-environment">cities have sprawled</a> beyond what’s sustainable.</p> <h2>Renting can have advantages</h2> <p>The first step towards rethinking renting as a norm is acknowledging it can have some significant and often overlooked advantages. For some, renting is a <a href="https://www.emerald.com/insight/content/doi/10.1108/09604521011027598/full/html">lifestyle preference</a>.</p> <p>Ownership comes with burdens such as house and garden maintenance. This makes renting much more convenient and carefree for some demographics, including young people and older adults.</p> <p>Another key advantage of renting is the <a href="https://www.google.com.au/books/edition/Homeownership_and_the_Labour_Market_in_E/GwoUDAAAQBAJ">employment flexibility</a> it can provide. Renters can look for work outside their commute range and are less tied to particular employers.</p> <p>There’s some evidence that high levels of home ownership could even damage the overall labour market.</p> <p>Previous <a href="https://www.nber.org/papers/w19079">research</a> by the US National Bureau of Economic Research has shown that increasing home ownership leads to less labour mobility, longer commutes, and fewer new businesses because homeowners are less likely to move.</p> <h2>Safe as houses?</h2> <p>One common argument against renting is that investing in your own home is a “safe bet”. But we perhaps need to rethink this unquestioned reliance on housing as a store of wealth. Those who enter the housing market for investment purposes should be aware of several issues.</p> <p>Over the long term, housing prices have historically shown a <a href="https://www.dpn.com.au/articles/house-price-growth-australia-over-30-years">general upward trajectory</a>, driven by population growth and limited land supply in desirable areas.</p> <p>In the short term, however, housing prices can be <a href="https://press.uchicago.edu/ucp/books/book/chicago/H/bo20832545.html">quite volatile</a>. They may move up, down, or stay the same. This depends on broader economic cycles, market conditions and interest rates.</p> <p>Think of the housing bubble in the United States, which led to a global recession in 2008, or the <a href="https://www.abc.net.au/news/2025-01-07/china-property-crash-a-warning-for-australian-housing-market/104788660">current downturn in China</a>.</p> <p>The cycles in property prices are often worsened by <a href="https://www.jstor.org/stable/1914185">psychological biases</a> that can lead to overoptimism during booms or panic during busts. Investors may win or lose.</p> <h2>Compounded by climate change</h2> <p>In the contemporary era, we also need to factor in climate change. Areas that are currently desirable may become unappealing before too long – due to <a href="https://www.climatecouncil.org.au/resources/how-hot-will-your-neighbourhood-be-by-2050/">heatwaves</a>, <a href="https://theconversation.com/one-of-the-most-extreme-disasters-in-colonial-australian-history-climate-scientists-on-the-floods-and-our-future-risk-178153">floods</a> or <a href="https://theconversation.com/la-is-on-fire-how-will-australia-cope-when-bushfires-hit-sydney-melbourne-or-another-major-city-246967">fires</a>.</p> <p>Natural disasters, or even just growing disaster risks, can prompt large drops in property prices and massive population movements.</p> <p>To illustrate: during the pandemic, South East Queensland began to draw many domestic migrants as other states struggled to contain the virus.</p> <p>People from cooler southern states were also attracted by the region’s mild winter climate. In 2024, Brisbane became Australia’s <a href="https://www.realestate.com.au/news/uneven-price-growth-reshuffles-rankings-of-australias-most-expensive-cities/">second-most expensive</a> city for property values.</p> <p>That might appear to bode well for property buyers who’ve invested millions of dollars. But one <a href="https://rmets.onlinelibrary.wiley.com/doi/abs/10.1002/joc.5998">2019 study</a> has predicted that temperature rises could make Brisbane “<a href="https://www.abc.net.au/news/2019-06-22/temperature-increases-from-climate-change-brisbane-unliveable/11227404">unbearably hot</a>” by 2050.</p> <p>In this context, renters may be more adaptable than owners.</p> <h2>A more renter-friendly Australia</h2> <p>None of this is to argue that everyone should be a renter, or that renters should be left to the whims of the market.</p> <p>In Australia, current rent increases are <a href="https://www.abs.gov.au/statistics/economy/price-indexes-and-inflation/consumer-price-index-australia/latest-release">outpacing</a> both wage growth and inflation (CPI). The rental affordability crisis has driven a <a href="https://homelessnessaustralia.org.au/rough-sleeping-surges-as-homelessness-crisis-worsens-new-report/">recent surge</a> in homelessness.</p> <p>There is a wide range of policy tools available to us, many of which have been shown to <a href="https://www.abc.net.au/news/2024-10-16/build-to-rent-fix-housing-crisis-australia-us-uk-hong-kong/104458458">work relatively well in other countries</a> and could be adopted here.</p> <p>These include:</p> <ul> <li> <p><a href="https://thefifthestate.com.au/housing-2/the-case-for-rent-control-and-historical-norms-in-rent-increases/">rent caps</a>, which tie allowable rent increases to the CPI (Australia already <a href="https://treasury.gov.au/sites/default/files/2019-03/round5-5.pdf">regulates the price of utilities</a> in this way)</p> </li> <li> <p>nationwide no-ground eviction bans (already in place in <a href="https://www.choice.com.au/money/property/renting/articles/no-grounds-evictions-update">some states</a>)</p> </li> <li> <p>normalisation of <a href="https://www.abc.net.au/news/2021-06-28/how-to-find-a-long-term-rental-home/100217074">long-term leases</a> beyond 12 months and restrictions on <a href="https://cities-today.com/barcelona-set-to-ban-short-term-rentals/">short-term rentals such as Airbnb</a></p> </li> </ul> <p>More vulnerable renters, including people with disabilities, single parents, victims of domestic abuse, those on low incomes, and older retirees, need extra protections.</p> <p>The supply of rental units should also be increased, through <a href="https://www.ahuri.edu.au/analysis/brief/what-build-rent">build-to-rent</a> and <a href="https://www.statedevelopment.qld.gov.au/news-and-events/granny-flats-provide-housing-choice-in-tight-rental-market">granny flat</a> construction, for example.</p> <p>Landlords should not be vilified either. In an unregulated market, they are often cast as “<a href="https://www.realestate.com.au/news/robber-barons-great-landlord-myth-exposed/">robber barons</a>” and “<a href="https://www.theguardian.com/commentisfree/2018/apr/16/landlords-social-parasites-last-people-should-be-honouring-buy-to-let">social parasites</a>”.</p> <p>If tenants were protected from excessive rent increases and evictions, landlordism could also be recast as an essential service that yields <em>reasonable</em> profits to providers.<!-- 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/245848/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/dorina-pojani-413644">Dorina Pojani</a>, Associate Professor in Urban Planning, <a href="https://theconversation.com/institutions/the-university-of-queensland-805">The University of Queensland</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/home-ownership-is-slipping-out-of-reach-its-time-to-rethink-our-fear-of-forever-renting-245848">original article</a>.</em></p> </div>

Money & Banking

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John Farnham to become a grandfather for the first time

<p>John Farnham is set to become a grandfather for the first time. </p> <p>On Thursday, the legendary singer's son James took to Instagram to announce that his partner Tessa is pregnant with a baby boy due later this year. </p> <p>The clip showed James setting alight a burn away cake with the words "coming 2025" inscribed on it. The inscription peeled away to reveal the word "Boy", confirming that the couple are having a son. </p> <p>He also shared a photo of an ultrasound of their unborn baby's hand, with the caption: "Coming 2025! Tessa, I love you so much!"</p> <p>James' celebrity friends were quick to congratulate the couple's joyous baby news. </p> <p>"Congratulations guys. Great news to kick off the year," wrote <em>Sunrise </em>weatherman Sam Mac's fiancée Rebecca James.</p> <p>"Ahhhhhhh this is the best ever! So happy for you guys," added Neighbours star Bonnie Anderson.</p> <p>"Yeah wooohooo, so happy for you both. Congratulations to the coolest parents," wrote one person. </p> <p>"Woohoo! Massive congratulations to you both! Baby Boy is very lucky to have you both as their mummy and daddy! Big love," added another. </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/DEj0BaHzmRM/?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/DEj0BaHzmRM/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by James Farnham (@jimbofarnham)</a></p> </div> </blockquote> <p>James has been in a relationship with Tessa for several years, and even attended the premiere of the <em>John Farnham: Finding the Voice</em> documentary together in Melbourne in 2023.</p> <p>The joyful news comes after a challenging period for Farnham and his family following his battle with mouth cancer. </p> <p>In August 2022, Farnham underwent surgery and treatment for mouth cancer. The following year, he was declared cancer free following multiple surgeries and eight weeks of radiation therapy. </p> <p>However, the beloved singer later shared that the life-saving surgery has left him unable to sing. </p> <p>“My facial disfigurement from the surgery means I can’t open my mouth wide enough for a strip of spaghetti, let alone to sing,” Farnham said in an excerpt from his memoir published by the <em>Sydney Morning Herald</em>.</p> <p>“I can’t get the movement to make the sounds I want to make, that’s where the vibrations and my voice come from. It’s a very disconcerting thing. And trying hurts.”</p> <p>Despite the challenges, the legendary singer hopes that he will be able to perform again one day. </p> <p>“I was given a gift and to be able to get out there and affect people in some way was special, I would like to continue doing that,” he said.</p> <p>“Though I am not putting all my hopes into it, we’ll see.”</p> <p><em>Images: Instagram</em></p>

Family & Pets

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"About time": Coles bold parking move sparks debate

<p>Frustrated staff at a Coles-owned bottle shop in Brisbane have taken matters into their own hands and retaliated against drivers flouting parking rules outside their store. </p> <p>Management at a First Choice Liquor Market store in Newstead have locked in cars taking advantage of the customer-only spaces. </p> <p>It is understood that some cars remain parked in the 15-minute spots for extended periods, sometimes overnight, despite signs saying that fines apply. </p> <p>A photo shared on Facebook showed a car with P-plates blocked in by a yellow bollard and note that read: "Due to you not adhering to the parking rules, your vehicle has been locked in by management and will be kept on record." </p> <p>"Please see First Choice management to discuss your options".</p> <p>A local woman who shared the photos said there "were at least two other cars locked in" when she was passing by this week. </p> <p>Locals were divided by the store's actions, but many supported their decision.</p> <p>"About time. Pub takes all the spaces," one said. "I’ve been there when the store opens and there have been no car spaces available".</p> <p>"Don’t park where you shouldn’t. It’s simple," another added. </p> <p>A third said it was "about bloody time" something was done about the parking. </p> <p>However, a few others had a more understanding approach, with one local saying that the limited parking in a large apartment complex across the road could be contributing to the limited parking. </p> <p>Another suggested the staff had gone too far, noting the importance of being able to "flee" in a hurry, particularly in violent situations. </p> <p>"The thought of their vehicle being blocked in by bollard, should an unthinkable situation arise, is horrific to think of," she said.</p> <p>"While I understand this would be frustrating for your shop, it could be putting someone’s life in danger — as another perspective to think of."</p> <p>Coles have responded to the management's actions explaining that their commitment to customers means  providing "parking and clear access to our stores."</p> <p>"The Newstead store carpark is owned by Coles and has signage throughout the carpark informing locals about parking time restrictions which are also painted on the parking bays," a Coles spokesperson told <em>Yahoo News</em>.</p> <p>"To ensure we are making our stores more accessible for customers, our store team may use its discretion to remind the community of the parking rules.”</p> <p><em>Images: Facebook</em></p>

Legal

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Lindt Cafe siege hero revealed for the first time

<p>The name of the hero police officer who killed terrorist Man Haron Monis ten years ago during the Lindt Cafe siege in Sydney has finally been revealed. </p> <p>For the last decade, Ben Besant was only known as Officer A, his name suppressed for his own protection. </p> <p>Now, he can finally tell his story publicly for the first time, following a court decision to lift his suppression order on Friday. </p> <p>“I’m never one to walk away from a fight, and I have been fighting for a long time to have my name returned to me,” he told told Seven’s <em>Spotlight </em>program.</p> <p>The former NSW Police Tactical Operations Unit Officer led the assault and fired the final shots that took Monis down. </p> <p>While the suppression order was for his own protection, Besant said that not being able to tell anyone about the moment aggravated his PTSD, that cost him his career, marriage and home.</p> <p>“It’s become such a big issue for me to be able to get my name back,” he said.</p> <p>The siege lasted 17-hours and Besant told Spotlight that it took 17 shots to bring down the terrorist. </p> <p>His mission now is to help other frontline responders deal with the effects of PTSD. </p> <p>Besant added that having his identity back will help him deal with what has become the most difficult day of the year for him. </p> <p>The decision comes two weeks before the 10-year anniversary of the siege. </p> <p>On the morning of December, 15, 2014, Monis took eight staff members and 10 customers hostage inside the popular cafe on Martin Place, Sydney. </p> <p>Police quickly evacuated the area and surrounded the building, as the terrorist claimed he was armed and had a bomb in his backpack. </p> <p>At 2.13am the next morning  the cafe’s manager, Tori Johnson, 34, was shot dead by Monis, promoting police to storm the building.</p> <p>Barrister and Sydney mother-of-three, Katrina Dawson, 38, died when she was hit by fragments of police bullets.</p> <p><em>Images: Seven/Spotlight</em></p>

Legal

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Holiday budgeting tips for over-60s: Expert advice for a stress-free season

<div> <p>The festive season is a time for joy, but it can sometimes also bring a little extra financial stress. With the rising cost of essentials, many Aussies in retirement might be feeling the pinch. And it’s not your imagination – recent <a title="https://protect.checkpoint.com/v2/___https:/nam02.safelinks.protection.outlook.com/?url=https%3A%2F%2Fwww.superannuation.asn.au%2Fmedia-release%2Frising-insurance-premiums-add-strain-to-retirees-finances-says-super-peak-body%2F*23%3A~%3Atext%3DThe%2520latest%2520figures%2520from%2520ASFA%2Cover%2520the%2520last%252012%2520months.&amp;data=05%7C02%7Cdardisa%40we-worldwide.com%7C3306a1dfb9de4e30dd3b08dcfecff5e5%7C3ed60ab455674971a5341a5f0f7cc7f5%7C0%7C0%7C638665416381860501%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C0%7C%7C%7C&amp;sdata=3ePPI8b1SEXOATgcY6vYWJRi8gBzZHv0jM1dgqkIoUI%3D&amp;reserved=0___.YzJ1OndlY29tbXVuaWNhdGlvbnM6YzpvOmMyMDk4YTI2ZGE5OWUzY2FhZWQ2Nzc5ZTg1YWM0OGJiOjY6YjM1NDo4YTdiNGQ5MTcwZjBhYzgwNzI4ZDVmYTlhNTA0OWVhYThkZTU0NWJhN2FhZDgzZGQ2MGQ1ZjZiYWU5MTc3MGI1OnA6VDpG" href="https://protect.checkpoint.com/v2/___https:/nam02.safelinks.protection.outlook.com/?url=https%3A%2F%2Fwww.superannuation.asn.au%2Fmedia-release%2Frising-insurance-premiums-add-strain-to-retirees-finances-says-super-peak-body%2F*23%3A~%3Atext%3DThe%2520latest%2520figures%2520from%2520ASFA%2Cover%2520the%2520last%252012%2520months.&amp;data=05%7C02%7Cdardisa%40we-worldwide.com%7C3306a1dfb9de4e30dd3b08dcfecff5e5%7C3ed60ab455674971a5341a5f0f7cc7f5%7C0%7C0%7C638665416381860501%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C0%7C%7C%7C&amp;sdata=3ePPI8b1SEXOATgcY6vYWJRi8gBzZHv0jM1dgqkIoUI%3D&amp;reserved=0___.YzJ1OndlY29tbXVuaWNhdGlvbnM6YzpvOmMyMDk4YTI2ZGE5OWUzY2FhZWQ2Nzc5ZTg1YWM0OGJiOjY6YjM1NDo4YTdiNGQ5MTcwZjBhYzgwNzI4ZDVmYTlhNTA0OWVhYThkZTU0NWJhN2FhZDgzZGQ2MGQ1ZjZiYWU5MTc3MGI1OnA6VDpG" data-auth="Verified" data-outlook-id="1a0a0a08-2e36-4601-a0a3-f9c8bb379afe">data</a> from the Association of Superannuation Funds of Australia (ASFA) reveals that the cost of maintaining a comfortable retirement has increased by 3.7% in the last year. For those in retirement, managing holiday spending can help ensure a stress-free festive season. </p> </div> <div> <p>Toby Perkins, a Certified Financial Planner® at industry superfund NGS Super, shares his helpful tips to ensure retirees manage their budgets during the holidays.</p> </div> <p><strong>1. Avoid personal debt</strong></p> <div> <p>Credit cards and overdrafts may seem like quick solutions, but they often lead to high-interest debt. "If you need extra funds for the festive season, it might be worth considering options like your superannuation income stream instead," advises Toby. Avoiding extra debt may help you to maintain your financial stability in the long run and help set you up for a stress-free Christmas next year. </p> </div> <p><strong>2. Plan ahead: Budget for the entire year</strong></p> <div> <p>Although it may be too late to adjust your budget for this holiday season, now is a good time to start planning for next Christmas. "Incorporating holiday spending into an annual budget can prevent financial strain in December," Toby suggests. By tracking your expenses throughout the year, you can identify potential savings and plan for any extra costs, such as gifts and travel.</p> </div> <p><strong>3. Review government entitlements</strong></p> <div> <p>It’s important for you to ensure you are receiving the correct government entitlements. "If you’re receiving the Age Pension, make sure all your details are up to date," Toby advises. Even if you're not eligible for the Age Pension, you may qualify for the Commonwealth Seniors Health Card or state-based Seniors Cards, which can help reduce costs on health care, transport, and other services. For more information, visit <a title="https://protect.checkpoint.com/v2/___https:/www.servicesaustralia.gov.au/most-useful-information-for-retirement-years___.YzJ1OndlY29tbXVuaWNhdGlvbnM6YzpvOmMyMDk4YTI2ZGE5OWUzY2FhZWQ2Nzc5ZTg1YWM0OGJiOjY6Y2YwMTo3YWJkZWYyYTY5NjAwZTQ5YjczNWQwMGY2ZjZmN2RhNzY5MzJjYWJkMmYyNWM5ZTkzODg4NTJlZDc3MmIwZGI1OnA6VDpG" href="https://protect.checkpoint.com/v2/___https:/www.servicesaustralia.gov.au/most-useful-information-for-retirement-years___.YzJ1OndlY29tbXVuaWNhdGlvbnM6YzpvOmMyMDk4YTI2ZGE5OWUzY2FhZWQ2Nzc5ZTg1YWM0OGJiOjY6Y2YwMTo3YWJkZWYyYTY5NjAwZTQ5YjczNWQwMGY2ZjZmN2RhNzY5MzJjYWJkMmYyNWM5ZTkzODg4NTJlZDc3MmIwZGI1OnA6VDpG" data-auth="Verified" data-outlook-id="0b03c4dc-e32a-4f0f-adaf-6d20058cd703">the Services Australia website.</a></p> </div> <p><strong>4. Stay vigilant about financial security</strong></p> <div> <p>There are two reasons to closely track your spending throughout the holiday season: 1. To ensure you stay within budget, and 2. To ensure you don't fall victim to financial scams. The holiday season can be a prime time for financial scams, so be cautious when making purchases online.</p> </div> <p><strong>5. Prepare for post-holiday financial health</strong></p> <div> <p>After the holidays, plan to set aside some money for future expenses or to replenish your savings. A bit of post-holiday planning will help you avoid financial stress in the months ahead - and even get you set up for next Christmas.</p> </div> <p><strong>6. Travel smart: Plan off-peak</strong></p> <div> <p>Travel can be one of the biggest holiday expenses, especially if it coincides with peak Christmas and school holiday periods. Toby recommends traveling outside of these busy times to save money. "Off-peak travel can significantly reduce costs and make your holiday dollar stretch further," he says. Consider planning trips in advance to secure better deals.</p> </div> <div> <p>Planning ahead, managing debt, and reviewing entitlements can help you enjoy the festive season without financial stress. As Toby puts it, "Smart budgeting today helps ensure a more comfortable retirement tomorrow."</p> </div> <div> <p><em><strong>For those seeking personalised advice, NGS Super’s team of financial planners is here to help guide you to a secure and joyful future. Read the <a title="https://protect.checkpoint.com/v2/r01/___https://protect.checkpoint.com/v2/___https:/www.ngssuper.com.au/files/documents/financial-services-guide.pdf___.YzJ1OndlY29tbXVuaWNhdGlvbnM6YzpvOmMyMDk4YTI2ZGE5OWUzY2FhZWQ2Nzc5ZTg1YWM0OGJiOjY6MDk5ZToxNWJlNDQ0ODUwMWZmYzczYmUzZDY5N2NkNWFmY2M4ZTM0M2I5ZDQyNTI5ZGIwNjdjMDUxZDViY2E1YWRmYWFhOnA6VDpGHYPERLINK___.YzJ1OndlY29tbXVuaWNhdGlvbnM6YzpvOmM0OTdjMzdkZjcxOGIxNDQxYjdiMzQxMzA0NTcyMzc4Ojc6ZDgzMDowMTA3N2IxNTZmN2JhZDAzOTM5MDc4ODZjM2Y4NTUzYTkwNWE4ZDAxYmJhMmIxMTc0OWZjNjhmNmM5ODNlNzYyOmg6VDpG" href="https://protect.checkpoint.com/v2/r01/___https://protect.checkpoint.com/v2/___https:/www.ngssuper.com.au/files/documents/financial-services-guide.pdf___.YzJ1OndlY29tbXVuaWNhdGlvbnM6YzpvOmMyMDk4YTI2ZGE5OWUzY2FhZWQ2Nzc5ZTg1YWM0OGJiOjY6MDk5ZToxNWJlNDQ0ODUwMWZmYzczYmUzZDY5N2NkNWFmY2M4ZTM0M2I5ZDQyNTI5ZGIwNjdjMDUxZDViY2E1YWRmYWFhOnA6VDpGHYPERLINK___.YzJ1OndlY29tbXVuaWNhdGlvbnM6YzpvOmM0OTdjMzdkZjcxOGIxNDQxYjdiMzQxMzA0NTcyMzc4Ojc6ZDgzMDowMTA3N2IxNTZmN2JhZDAzOTM5MDc4ODZjM2Y4NTUzYTkwNWE4ZDAxYmJhMmIxMTc0OWZjNjhmNmM5ODNlNzYyOmg6VDpG" data-auth="Verified" data-outlook-id="c4bb4623-ec0a-4e3a-a747-7bf0d2f5659b">NGS Financial Planning Financial Services Guide</a>.</strong></em></p> </div> <div> <p><em><strong>For further information, visit NGS Super’s <a title="https://protect.checkpoint.com/v2/___https:/www.ngssuper.com.au/articles/news/whats-foro-what-can-you-do-about-it___.YzJ1OndlY29tbXVuaWNhdGlvbnM6YzpvOmMyMDk4YTI2ZGE5OWUzY2FhZWQ2Nzc5ZTg1YWM0OGJiOjY6YzlhNDphZGM4Y2Q1YTFlZmQyNjExMGQ4ZDJmYWM3Y2IyOWMxM2FiNjE2MDMwMDc3YjA5ODE5OTY0NjQyYmZkNWE2NGM1OnA6VDpG" href="https://protect.checkpoint.com/v2/___https:/www.ngssuper.com.au/articles/news/whats-foro-what-can-you-do-about-it___.YzJ1OndlY29tbXVuaWNhdGlvbnM6YzpvOmMyMDk4YTI2ZGE5OWUzY2FhZWQ2Nzc5ZTg1YWM0OGJiOjY6YzlhNDphZGM4Y2Q1YTFlZmQyNjExMGQ4ZDJmYWM3Y2IyOWMxM2FiNjE2MDMwMDc3YjA5ODE5OTY0NjQyYmZkNWE2NGM1OnA6VDpG" data-auth="Verified" data-outlook-id="7c65864b-3f33-43bc-9037-cc1e7ca1acc0">website</a>.</strong></em></p> </div> <div> <p><em><strong>Toby Perkins is authorised to provide financial advice in Australia and is an Authorised Representative (Number 1002908) of Guideway Financial Services Pty Ltd, AFSL Number 420367. Any advice given in this article is general and does not consider your financial situation, needs or objectives so consider whether it is appropriate for you. Be sure to read the relevant PDS and TMD </strong><strong>before deciding whether a financial product is right for you.</strong></em></p> <p><em><strong>Image credits: Shutterstock  </strong></em></p> </div> <div> <p> </p> </div>

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Aussie Vietnam vet reunited with lost war medals just in time

<p>A Vietnam veteran has been reunited with his lost war medals that were missing for a year, just in time for Remembrance Day. </p> <p>When attending a Remembrance Day event in New Zealand last year, Townsville veteran Malcolm Edmiston lost his medals somewhere along the journey to Christchurch from Brisbane. </p> <p>The medals were left sitting unclaimed in Brisbane Airport's lost and found after being found in an airport terminal, before airport staff launched a social media campaign to find their owner. </p> <p>After seeing a post on Facebook, Edmiston was finally reunited with his precious medals just in time for this year's Remembrance Day events. </p> <p>"It's very good to have them back, great to have them back, I thought they were gone and gone for good," Malcolm told <em><a href="https://9now.nine.com.au/today/lost-war-medals-returned-to-vietnam-veteran-in-time-for-remembrance-day/b03bf4df-0d3c-440b-9783-1e6c7ac73a11" target="_blank" rel="noopener">Today</a></em>.</p> <p>"The zip was opened on my case and somehow they fell out, so it's a good reminder for us to take extra care when we pack."</p> <p>Malcolm was not the only one in his family to serve the country, sharing how his father served in the Royal Navy, he had uncles in the Royal Australian Air Force and and the Royal Air Force and a brother who served in Naval Reserve.</p> <p>His son also served in the Navy and with so many of his fellow Vietnam veteran soldiers no longer alive, having his medals back today is something special.</p> <p>"Remembrance Day is a very important day for me," he said.</p> <p>Brisbane Airport's media manager Peter Doherty added that he was thrilled to see the medals return to their rightful owner. </p> <p>He said, "For Malcolm's lifetime of service, the least we could do was the door-to-door service to get the medals back to him."</p> <p><em>Image credits: Today </em></p>

Retirement Life

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"The time has come": Ray Hadley announces retirement

<p>After 43 years on air, Ray Hadley has announced he will be stepping back from his hosting role at 2GB. </p> <p>Hadley shocked his loyal listeners on Thursday morning, saying his extensive career has been "one hell of a ride". </p> <p>“It’s been a hell of a ride from a young bloke who wanted to call the races," he said. "But the time has come for someone else to do the job. So December 13 will be my last day broadcasting."</p> <p>“Apparently the story has broken somewhere. There’s always a leak somewhere, so I may as well do it now, earlier than I anticipated,” he said.</p> <p>“Sometimes you can’t keep things secret, and I suppose in the media, that’s what happens."</p> <p>“I’ve achieved far more than I ever thought I would. My children, Dan, Laura, Emma and Sarah, have made sacrifices over the years for me to realise my ambitions."</p> <p>"Back in September I turned 70, I started to think, how long I've got left on this Earth, and do I want to keep getting up at half past three in the morning, meaning I go to bed early. At social events I'm always the first out the door. I don't want to be the first out the door anymore."</p> <p>Hadley assured listeners he would not be disappearing completely, clarifying, "I'm not retiring from work. I'm just retiring from full-time radio. I'll bob up somewhere in 2025 but not in a full-time capacity, and certainly not on radio." </p> <p>Shortly after making the on-air announcement, NSW premier Chris Minns called into the show to share a tribute. </p> <p>“Ray, you shocked us all. What a massive day in New South Wales radio, and a huge loss for Sydney in particular," Mr Minns said.</p> <p>“We’re genuinely going to miss you. I’m in shock at the moment. It’s a distinguished career. It’s an incredible legacy. But if I was someone up in one word, I would just say fearless, a broadcasting career that’s been completely fearless, and you’ve never, ever pulled your punches in something that you believe in."</p> <p><em>Image credits: Instagram </em></p>

Retirement Life

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Anthony Albanese under fire over free Qantas upgrades

<p>A journalist's new book has claimed that Anthony Albanese has been scoring free flight upgrades with Qantas for over 15 years.</p> <p>According to <em>AFR</em> journalist Joe Aston's new book <em>The Chairman’s Lounge</em>, the PM and his family received upgrades from Qantas over his time as Transportation Minister and Opposition Leader between the years of 2007 and 2019.</p> <p>Aston's investigation allegedly  found that Albanese had used his relationship with former Qantas CEO Alan Joyce to secure free upgrades to business and first-class flights on at least 22 occasions.</p> <p>“According to Qantas insiders, Albanese would liaise with Joyce directly about his personal travel,” Aston wrote.</p> <p>Albanese has defended these upgrades by stating they were all “declared as appropriate”, saying, “From time to time, members of parliament receive upgrades. What’s important is that they are declared. All of mine have been declared."</p> <p>“I note that a range of them go back a long, a long period of time and that they have all been declared as appropriate.”</p> <p>Despite claiming that the upgrades were all above board, Opposition Leader Peter Dutton called the perks  “a bit strange.”</p> <p>“I think it is a bit strange that Mr Albanese is contacting the CEO of an airline when he is the shadow minister or minister for transport,” said Dutton.</p> <p>“I very strongly believe in the need for people to declare their interests, and sometimes there are oversight and human error involved, but when you’re talking about having a personal phone call to ask for an upgrade, as the transport minister or shadow transport minister, then I presume the prime minister will answer questions about that.”</p> <p><em>Image credits: Shutterstock/LUKAS COCH/EPA-EFE/Shutterstock Editorial</em></p>

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1 in 5 Australians admit they don’t wash their hands every time they use the toilet

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/christine-carson-109004">Christine Carson</a>, <a href="https://theconversation.com/institutions/the-university-of-western-australia-1067">The University of Western Australia</a></em></p> <p>Do you wash your hands every time you use the toilet? How about before you handle food? Be honest.</p> <p>Australia’s Food Safety Information Council has released its <a href="https://www.foodsafety.asn.au/topic/latest-report-card-on-aussie-handwashing-blokes-still-need-to-do-better-global-handwashing-day-15-october-2024/">latest report card</a> on the country’s hand washing habits. It found 19% of Australians don’t wash their hands every time they use the toilet. Close to half (42%) admit they don’t always wash hands before handling food.</p> <p>So who’s doing well when it comes to hand hygiene, who’s not – and why does it matter?</p> <h2>What did the report find?</h2> <p>The new report surveyed hand washing practices of 1,229 people. Results were consistent with what we’ve learned from <a href="https://www.foodsafety.asn.au/topic/latest-research-shows-improvement-in-aussie-handwashing-but-blokes-still-need-to-do-better-global-handwashing-day-15-october-2023/">similar surveys</a>.</p> <p>Once again, women do better than men at washing their hands after using the toilet, although only slightly (80% of men say they do every time, versus 83% of women). Just 55% of men wash their hands before touching food, compared to 62% of women.</p> <p>Age also seemed to make a difference. Under 34 years old, 69% of people washed their hands every time they used the toilet. Over age 65, that jumped to 86%.</p> <p>Although some of these differences aren’t completely unexpected – such as <a href="https://slate.com/technology/2020/02/women-hand-washing-more-than-men-why-coronavirus.html">the gap</a> between men’s and women’s hand washing habits – the reasons remain unclear.</p> <h2>Why don’t people wash their hands?</h2> <p>Public health messaging often focuses on how to wash hands well. But there’s less research that follows up on how widely people actually adopt these practices. And to understand why – if they are skipping the soap and water – those messages might not be getting through effectively.</p> <p><a href="https://pubmed.ncbi.nlm.nih.gov/33998334/">One study</a> that looked at this question in India asked school children about barriers to hand washing. The vast majority (91%) had low “illness threat perception”. In other words, they simply didn’t perceive a risk of getting sick form not washing their hands after going to the toilet.</p> <p>Interestingly, the inability to see germs with their own eyes was one of the biggest barriers, cited by 46% of the children. But 72% said they would wash their hands if their friends did.</p> <p>It’s tempting to speculate these reasons may also apply to other age groups, but we simply haven’t done enough research to know. People’s reasons for hand washing, or not, likely vary across their lifetime and with their circumstances.</p> <h2>What are the risks?</h2> <p>Urine and faeces contain millions of germs, especially faeces, which has more than <a href="https://theconversation.com/your-poo-is-mostly-alive-heres-whats-in-it-102848">100 billion</a> germs per gram.</p> <p>When you use the toilet and touch surfaces in the bathroom, you will pick up germs. People who skip the hand washing step on the way out take those germs with them when they leave, depositing them on each surface they touch afterwards.</p> <p>You may not get sick yourself, but you’re increasing the spread of bacteria. This can increase the risk of infection and illness for other people, including those with compromised immune systems such as older people and those undergoing common forms of treatment for cancer.</p> <p>Hand washing before cooking and eating is also important. The risk here goes both ways. If you have disease-causing germs on your hands (maybe because you didn’t wash them after the toilet) you may transfer them to the food where they can multiply and even produce toxins. People who eat the food may then get sick, often involving vomiting and diarrhoea.</p> <p>In the other direction, some foods naturally carry germs before cooking – such as <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC7697675/">salmonella and campylobacter bacteria in raw poultry</a>. If you don’t wash your hands after handling these foods you may transfer them to other surfaces and risk spreading infection.</p> <h2>How should I wash my hands?</h2> <p>Follow these three simple tips for hand washing correctly:</p> <ol> <li> <p><strong>wet</strong> your hands and rub them together well to build up a good lather with soap for at least 20 seconds and don’t forget to wash between your fingers and under your nails. You might have to use a nail brush</p> </li> <li> <p><strong>rinse</strong> well under running water to remove the bugs from your hands</p> </li> <li> <p><strong>dry</strong> your hands thoroughly on a clean towel for at least 20 seconds. Touching surfaces with moist hands encourages bugs to spread from the surface to your hands.</p> </li> </ol> <h2>What about hand sanitiser?</h2> <p>If no running water is available, use an alcohol-based hand sanitiser. These rapidly inactivate a wide range of germs, rendering them non-infectious. Hand sanitisers are effective against a <a href="https://www.ncbi.nlm.nih.gov/books/NBK513254/#_article-17334_s3_">wide range of bacteria and viruses</a> that can cause many common gastrointesintal and respiratory infections.</p> <p>However if your hands are soiled with organic matter – such as blood, faeces, meat, sand or soil – they won’t be effective. In that case you should clean your hands with soap and water.</p> <h2>The bottom line</h2> <p>Hand washing is a bit like wearing a seat belt — you do that every time you get in a car, not just on the days you “plan” to be involved in an accident. The bottom line is hand washing is a simple, quick intervention that benefits you and those around you — but only if you do it.<!-- 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/241481/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/christine-carson-109004">Christine Carson</a>, Senior Research Fellow, School of Medicine, <a href="https://theconversation.com/institutions/the-university-of-western-australia-1067">The University of Western Australia</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/1-in-5-australians-admit-they-dont-wash-their-hands-every-time-they-use-the-toilet-241481">original article</a>.</em></p> </div>

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