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Major bank announces huge home loan rate cut

The Commonwealth Bank of Australia (CBA) will reduce its fixed-rate home loans by up to 0.40 percentage points across all terms starting Friday, following a 0.25 percentage point cut to its variable rate in response to the Reserve Bank of Australia’s (RBA) recent cash rate reduction. The new rates will see CBA’s lowest fixed offering set at 5.49% for a three-year term. Despite the move, experts say the cuts are unlikely to spark a surge in homeowners locking in their mortgages. Sally Tindall, data insights director at Canstar.com.au, said the rate adjustments bring CBA closer to its major bank competitors but aren’t enough to significantly shift consumer behaviour. “CBA’s fixed rate cuts aren’t groundbreaking, but rather a bid to inch closer to its key competitors,” Tindall said. “Fixed rates have been falling fairly consistently this year, and we expect this activity will continue as banks price in the increasing likelihood of further cash rate cuts.” While CBA’s new rates mark progress, rivals remain more competitive. ANZ holds the lowest one- and two-year fixed rates among the big four banks, while National Australia Bank (NAB) continues to offer the most attractive three-, four-, and five-year fixed terms. Tindall also noted that with only a slim margin – just 0.10 percentage points – between current fixed and variable rates, many borrowers will likely hold off from locking in. “With the possibility of further RBA cuts ramping up, it’s hard to see many people jumping at the chance to lock up their mortgage for the next three years,” she said. “The majors might have to offer a fixed rate in the ‘4’s’ if they’re serious about getting people to lock in.” Canstar’s latest data shows a flurry of activity across the lending sector since the RBA’s decision. Twenty lenders have reduced at least one fixed rate this month, and five major lenders, excluding CBA, have already made cuts. Among them, BOQ, Community First Bank, Police Bank and Queensland Country Bank now offer at least one fixed rate below 5%, setting the benchmark at 4.99%. Tindall urged borrowers to carefully consider their financial situation and risk appetite when deciding between fixed and variable rates. “If you’re deciding between a fixed or variable rate, understand what might suit your finances and, to some extent, your personality. When you make a decision, take the time to look for a competitive rate,” she said. While the trend suggests fixed rates will continue to fall, CBA's latest move clearly shows the intense competition in the home loan market – one that still leaves many Australians hesitant to commit. Image: Supplied

Money & Banking

RBA cuts interest rate - so what happens now?

<div class="theconversation-article-body"> The Reserve Bank of Australia <a href="https://www.rba.gov.au/media-releases/2025/mr-25-13.html">cut the official interest rate</a> for the second time this year, as it lowered forecasts for Australian economic growth and pointed to increasing uncertainty in the world economy. The bank lowered the <a href="https://www.rba.gov.au/cash-rate-target-overview.html">cash rate target</a> by 0.25%, from 4.1% to 3.85%, saying inflation is expected to remain in the target band. All the big four banks swiftly passed the cut on to households with mortgages. This will save a household with a $500,000 loan about $80 a month. Announcing the cut, the Reserve Bank <a href="https://www.rba.gov.au/media-releases/2025/mr-25-13.html">stressed</a> in its accompanying statement it stands ready to reduce rates again if the economic outlook deteriorates sharply. <blockquote> The Board considered a severe downside scenario and noted that monetary policy is well placed to respond decisively to international developments if they were to have material implications for activity and inflation in Australia. </blockquote> <h2>Inflation is back under control</h2> The latest <a href="https://www.abs.gov.au/statistics/economy/price-indexes-and-inflation/consumer-price-index-australia/latest-release">Consumer Price Index</a> showed that inflation remained around the middle of the Reserve Bank’s <a href="https://www.rba.gov.au/education/resources/explainers/australias-inflation-target.html">medium-term target band of 2-3%</a> in the March quarter. The Reserve Bank was also comforted by the underlying inflation measure called the “trimmed mean”. This measure excludes items with the largest price movements up or down. The bank noted that it has returned to the 2–3% target band for the first time since 2021. This suggests inflation is not just temporarily low due to temporary factors such as the electricity price rebates. <iframe id="QQ6io" class="tc-infographic-datawrapper" style="border: 0;" src="https://datawrapper.dwcdn.net/QQ6io/" width="100%" height="400px" frameborder="0" scrolling="no"></iframe> In February, Reserve Bank Governor Michele Bullock <a href="https://parlinfo.aph.gov.au/parlInfo/download/committees/commrep/28670/toc_pdf/Economics%20Committee_2025_02_21_Official.pdf;fileType=application%2Fpdf">conceded</a> the bank had arguably been “late raising interest rates on the way up”. It did not want to be late on the way down. Perhaps Bullock is being unduly modest. The central bank looks to have judged well the extent of monetary tightening. It did not raise interest rates as much as its peers, but still got inflation back to the target. <iframe id="ZIcUE" class="tc-infographic-datawrapper" style="border: 0;" src="https://datawrapper.dwcdn.net/ZIcUE/" width="100%" height="400px" frameborder="0" scrolling="no"></iframe> <h2>Unemployment remains low</h2> Last week, we got an <a href="https://www.abs.gov.au/statistics/labour/employment-and-unemployment/labour-force-australia/latest-release">update</a> on the strength of the labour market. Unemployment stayed at 4.1%. It has now been around 4% since late 2023, a remarkable achievement. This is below the 4.5% the Reserve Bank had <a href="https://www.rba.gov.au/speeches/2019/sp-ag-2019-06-12-2.html">regarded</a> as the level consistent with steady inflation (in economic jargon, the <a href="https://www.rba.gov.au/education/resources/explainers/nairu.html">NAIRU</a>). But neither prices nor <a href="https://www.abs.gov.au/statistics/economy/price-indexes-and-inflation/wage-price-index-australia/latest-release">wages</a> have accelerated. <iframe id="WYjUU" class="tc-infographic-datawrapper" style="border: 0;" src="https://datawrapper.dwcdn.net/WYjUU/" width="100%" height="400px" frameborder="0" scrolling="no"></iframe> <h2>Households and businesses may turn cautious</h2> In its updated <a href="https://www.rba.gov.au/publications/smp/2025/may/pdf/statement-on-monetary-policy-2025-05.pdf">forecasts</a>, the bank sees headline inflation dropping to 2.1% by mid-year but going back to 3.0% by the end of the year, as the electricity subsidies are removed. By mid-2027, it will be back near the middle of the 2-3% target. Underlying inflation is forecast to stay around the middle of the target band throughout. The Reserve Bank cut its forecast for gross domestic product (GDP) to 2.1% by December, down from its previous forecast of 2.4% made in February. It said: <blockquote> Economic policy uncertainty has increased sharply alongside recent global developments, and this is expected to prompt some households to increase their precautionary savings and some businesses to postpone some investment decisions. </blockquote> The unemployment rate is expected to increase to 4.3% by the end of the year and remain there through 2026. Cost of living pressures look set to ease, as real household disposable income grows faster than population. As the Reserve Bank governor told a media conference on Tuesday: <blockquote> There’s now a new set of challenges facing the economy, but with inflation declining and the unemployment rate relatively low, we’re well positioned to deal with them. The board remains prepared to take further action if that is required. </blockquote> <h2>Economic and policy ‘unpredictability’</h2> The main uncertainty in the global economy is how the trade war instigated by US President Donald Trump will play out. <a href="https://www.washingtonpost.com/business/2025/05/14/trump-tariffs-china-trade/">According to one count</a>, he has announced new or revised tariff policies about 50 times. “The outlook for the global economy has deteriorated since the February statement. This is due to the adverse impact on global growth from higher tariffs and widespread economic and policy unpredictability,” the bank noted. The US tariff pauses on the highest rates on China and most other nations are due to be in place for 90 days. But more measures may be announced before then. This uncertainty is likely to be stifling trade, and even more so investment decisions by companies in the face of rapidly changing policies. And it will weaken the global economy. In her <a href="https://rba.livecrowdevents.tv/MediaConferenceMonetaryPolicyDecision20May2025/stream">press conference</a>, Bullock said the board’s judgement was that “global trade developments will overall be disinflationary for Australia”. Not only is the global outlook weaker, but some goods no longer being sold to the US could be diverted to Australia. <h2>Where will interest rates go from here?</h2> The Reserve Bank’s updated <a href="https://www.rba.gov.au/publications/smp/2025/may/pdf/statement-on-monetary-policy-2025-05.pdf">forecasts</a> assume interest rates will fall further, to 3.4% by the end of the year. But this is just a reflection of what <a href="https://www.rba.gov.au/statistics/cash-rate/assumptions/index.html">financial markets are implying</a>. It is not necessarily what the bank itself expects to do. It is certainty not a promise of what they will do. But the Reserve Bank still regards its stance as “restrictive”, or weighing on growth. So if it continues to believe inflation will stay within the target band, or the global outlook deteriorates, it will cut rates further.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/256798/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> By <a href="https://theconversation.com/profiles/john-hawkins-746285">John Hawkins</a>, Senior Lecturer, Canberra School of Politics, Economics and Society, <a href="https://theconversation.com/institutions/university-of-canberra-865">University of Canberra</a> This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/rba-cuts-interest-rates-ready-to-respond-again-if-the-economy-weakens-further-256798">original article</a>. Image: Sky News </div>

Money & Banking

Can drinking champagne reduce your risk of sudden cardiac arrest?

<div class="theconversation-article-body"> “My only regret in life is that I didn’t drink enough champagne,” the English economist and philosopher John Maynard Keynes (1883–1946) is reported to have said. As it turns out, there may be a surprising ounce of truth to that quote. Picture this: a glass of champagne – bubbly, crisp and, for many, reserved for toasts and celebrations. Now imagine it being mentioned in the same sentence as a way to help prevent <a href="https://www.bhf.org.uk/informationsupport/conditions/cardiac-arrest">sudden cardiac arrest</a>: a condition where the heart abruptly stops beating, killing tens of thousands each year, often without warning. Sounds too good to be true, right? Yet, <a href="https://onlinecjc.ca/article/S0828-282X(25)00171-0/fulltext">a Canadian study</a> has uncovered a curious link. Using data from over half a million people in the health research database the <a href="https://www.ukbiobank.ac.uk/">UK Biobank</a>, researchers found that those who consumed moderate amounts of white wine or champagne had a lower risk of experiencing sudden cardiac arrest. Surprising, especially given the widely held belief <a href="https://academic.oup.com/eurheartj/article/46/2/173/7920813?login=false#google_vignette">that red wine</a>, not white, is what benefits the heart. <figure><iframe src="https://www.youtube.com/embed/9JvI392Iep8?wmode=transparent&start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe></figure> To rule out coincidence, the researchers double-checked their findings using genetic data – and the connection seemed to hold firm. This suggests there might be more to the story than chance alone. The study didn’t stop at wine. It explored more than 100 lifestyle and environmental factors tied to sudden cardiac arrest, including diet, exercise, air pollution, emotional wellbeing, body composition and education levels – all of which have been independently associated with risk. The conclusion? Up to 63% of sudden cardiac arrest cases could potentially be prevented by addressing these risk factors. Among all the protective factors identified, a few stood out: fruit consumption, regular computer use (yes, really) and moderate drinking of white wine or champagne were all linked to a reduced risk of sudden cardiac arrest. Why? That remains uncertain. One theory is that white wine contains antioxidants that may support heart health. Another possibility is that people who drink these types of beverages may also be more affluent and more likely to engage in other healthy behaviour, such as eating well, exercising regularly – and have access to better healthcare. But before you pop a cork in celebration, a word of caution: alcohol remains a complex and often contradictory player in heart health. Other large-scale studies suggest a <a href="https://www.bmj.com/content/356/bmj.j909">U-shaped relationship</a> between alcohol and cardiovascular disease. Non-drinkers may have a certain level of risk, moderate drinkers of one glass of wine a day <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC7020057/">may see</a> some benefit, but heavy drinking sharply increases the risk of high blood pressure, stroke and heart failure. <a href="https://doi.org/10.1016/j.hrthm.2021.10.022">One observational study</a> involving over 400,000 participants even found that moderate drinking could raise the risk of <a href="https://www.nhs.uk/conditions/arrhythmia/">arrhythmias</a>, which in some cases can lead to sudden death. So while champagne may offer a hopeful glimmer, it’s no magic bullet. The study’s broader message was clear: it’s the overall lifestyle that matters most. Better sleep, regular physical activity and <a href="https://theconversation.com/why-heart-patients-have-trouble-sticking-to-a-healthy-diet-and-3-things-that-help-them-eat-better-239172">a balanced diet</a> significantly reduced the risk of sudden cardiac arrest – and could prevent nearly one in five cases. <figure><iframe src="https://www.youtube.com/embed/jdgYN1QgKng?wmode=transparent&start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe></figure> On the flip side, obesity, high blood pressure and chronic stress were among the strongest risk factors, along with lower education levels and exposure to air pollution. These findings underscore that preventing sudden cardiac arrest isn’t just about personal habits: it’s also about the environments we live in and the policies that shape them. Cleaner air, better education and easier access to nutritious food could all play a role. Sudden cardiac arrest is not entirely random. Many of the contributing factors are within our control. Managing stress, staying active, maintaining a healthy weight, getting quality sleep – and yes, perhaps enjoying the occasional glass of white wine – can all help. But the real power lies in stacking small, healthy choices over time. Prevention is rarely about a single change; it’s about the cumulative effect of many. And in case you were wondering: Keynes suffered a series of heart attacks in 1946, beginning during negotiations for the <a href="https://history.blog.gov.uk/2020/12/07/whats-the-context-signing-the-anglo-american-financial-agreement-6-december-1945/">Anglo-American loan</a> in Savannah, Georgia. He described the process as “absolute hell”. A few weeks after returning to his farmhouse in Firle, East Sussex, he died of a heart attack at the age of 62. Maybe he was right about drinking more champagne after all.<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/255708/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> By <a href="https://theconversation.com/profiles/david-c-gaze-312661">David C. Gaze</a>, Senior Lecturer in Chemical Pathology, <a href="https://theconversation.com/institutions/university-of-westminster-916">University of Westminster</a> This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/can-drinking-champagne-reduce-your-risk-of-sudden-cardiac-arrest-heres-why-its-only-a-small-part-of-the-story-255708">original article</a>. Image: Shutterstock </div>

Caring

Aussie bank says good news on the way for homeowners

Bendigo Bank is forecasting four interest rate cuts from the Reserve Bank of Australia (RBA), including one later this month, following the release of key inflation figures that show underlying inflation has returned to the central bank’s target range for the first time in over three years. According to Bendigo Bank’s chief economist David Robertson, the RBA is expected to pivot from its primary focus on inflation to broader economic concerns such as employment and growth. “The RBA has been dealing with global inflation shock for three years, but its concerns are quickly moving from price stability and inflation to protecting growth and jobs,” Robertson said. The RBA's preferred measure of underlying inflation, the trimmed mean, fell from 3.3% to 2.9%, marking a return to the target range of 2–3% for the first time since December 2021. Headline inflation held steady at 2.4%. Robertson said the new inflation data sets the stage for a rate cut on May 20, with the only remaining uncertainty being the size of the cut. “The next cut is almost certain for May 20, but of what magnitude?” he said, suggesting a 35 basis point reduction was more likely than a larger move. “A larger 50 basis point cut in May is most unlikely unless markets become dislocated like in the GFC.” Bendigo Bank is forecasting a total of four rate cuts, including the expected May move, bringing the cash rate down to approximately 3.1% by the end of the year. Market analysts are even more aggressive, pricing in five cuts that could take the rate to around 2.8%. Despite the improved inflation outlook, global economic headwinds remain a significant concern. Robertson pointed to ongoing market volatility driven by US President Donald Trump’s trade tariffs and uncertainty surrounding global trade flows. “Equity markets have been clawing back some of their losses but there are still difficult times ahead,” he said. “Tariffs are generally bad for everyone but especially problematic for the country imposing them.” The International Monetary Fund (IMF) has revised global growth projections in light of the economic tensions, cutting its forecast for US GDP growth from 2.7% to 1.8% and China’s from 4.6% to 4%. Australia, too, has felt the impact, with the IMF reducing its 2025 growth estimate from 2.1% to 1.6%. Bendigo Bank has adjusted its own forecast accordingly, downgrading Australia’s expected growth to 2%. With inflation easing and global pressures mounting, the RBA appears poised to shift gears from restraint to support. “The environment is changing quickly,” said Robertson. “It’s time for the RBA to support the broader economy again.” Image: Bendigo Bank

Money & Banking

"Our hearts started to pound": Aussie identical twins go viral with eyewitness account

A pair of identical twins from Queensland have captivated the internet after their dramatic eyewitness account of an alleged carjacking aired on Australian television, showcasing not only the chaos of the event but their uncanny ability to speak in perfect unison. Paula and Bridgette Powers, known for their wildlife rescue work, became an overnight global sensation following a 90-second segment aired by 7 News Queensland. The viral clip – which has amassed over 14.5 million views on X (formerly Twitter) – featured the sisters recounting <a href="https://oversixty.com.au/finance/legal/man-charged-after-fatal-carjacking-rampage-on-sunshine-coast" target="_blank" rel="noopener">a harrowing incident</a> near their Sunshine Coast home, where an SUV rolled on Steve Irwin Way. Wearing matching blue bunny-patterned shirts and sporting identical hairstyles, the Powers twins recounted the moment their mother and a bystander rushed to help the crash victim – only to discover he was allegedly armed. “And one guy, he was up there with our mum and he, he went up there and he was coming back down toward us and he goes, ‘Run, he’s got a gun,’” the sisters said in eerie synchronicity. “And oh, our hearts started to pound and I said, ‘Mum, where’s mum?’” The twins explained how their mother narrowly escaped the suspect, who they say had “blood all over his face” and threatened to shoot her. “Mum distracted him to make him look the other way… and mum ran into the bush behind the fence and the guy goes to her, ‘I’ll find you and I’ll shoot you,’” they recalled. Despite the terrifying encounter, all three family members escaped unharmed. Authorities have since charged a man with multiple offences, including dangerous driving causing death and two counts of armed robbery. <blockquote class="twitter-tweet"> holy shit there is nothing that can prepare you for when they cut to the interview <a href="https://t.co/UA9iVIyCIm">pic.twitter.com/UA9iVIyCIm</a> — microplastics envelope filter (@DiabolicalSpuds) <a href="https://twitter.com/DiabolicalSpuds/status/1914418466699858250?ref_src=twsrc%5Etfw">April 21, 2025</a></blockquote> The sisters are no strangers to the spotlight. In a 2021 ABC News profile, they shared how their passion for wildlife led them to a fateful meeting with the late Steve Irwin, who they said was “quite taken with them” when they were found comforting a sick green sea turtle. The twins later worked at the Australia Zoo and now run their own charity, Twinnies Pelican and Seabird Rescue. Speaking in unison has always come naturally to them. “Our brains must think alike at the same time,” they told the ABC. “It annoys a lot of people, but changing the way we speak doesn’t feel right to us at all.” Paula and Bridgette also previously made headlines during a 2016 appearance on Good Morning Britain, charming hosts Piers Morgan and Susannah Reid with their synchronised laughter and responses. “Sometimes we do feel like just one person, yes, we do,” they said at the time. Image: X (Formerly Twitter)

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

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

Money & Banking

An artificial heart may save your life. But it can also change you in surprising ways

<div class="theconversation-article-body"> This week, <a href="https://www.theguardian.com/australia-news/2025/mar/12/australian-man-survives-100-days-with-artificial-heart-in-world-first-success">doctors announced</a> that an Australian man with severe heart failure had left hospital with an artificial heart that had kept him alive until he could receive a donor heart. The patient, a man from New South Wales in his 40s, was not the world’s first person to receive this type of artificial heart. However, he is <a href="https://www.svhs.org.au/newsroom/news/australia-first-total-artificial-heart-implant">said to be</a> the <a href="https://www.monash.edu/news/articles/australias-first-durable-total-artificial-heart-implant-announced-as-a-success">first with one to be discharged from hospital</a> to wait for a heart transplant, which he’s since had. <blockquote class="twitter-tweet"> WARNING: GRAPHIC CONTENT This machine has enabled an Australian man with severe heart failure to be the first person in the world to leave hospital with an artificial heart transplant <a href="https://t.co/6S12mINwBm">pic.twitter.com/6S12mINwBm</a> — Reuters (@Reuters) <a href="https://twitter.com/Reuters/status/1899862954155126824?ref_src=twsrc%5Etfw">March 12, 2025</a></blockquote> I am a philosopher and bioethicist. I <a href="https://bridges.monash.edu/articles/thesis/Phenomenology_and_Artificial_Hearts/22312204">completed my PhD</a> on artificial hearts – particularly how these implants can change people’s lives in profound ways. Here’s what patients and their families need to consider. <h2>What is an artificial heart?</h2> Artificial hearts began to be developed in the 1960s, sponsored by the United States government and funded in a similar way to space and military programs. In 1982, a man named <a href="https://www.historynewsnetwork.org/article/hero-or-victim-the-25th-anniversary-of-barney-clar">Barney Clark</a> received the Jarvik-7 total artificial heart. Doctors removed his failing biological heart and replaced it with a plastic and metal device to circulate blood to his lungs and around his body. He lived for 112 days before dying from multi-organ failure. He never left hospital. In the 1980s and 1990s, medical device companies began to develop alternatives to total artificial hearts. These partial artificial hearts, known as ventricular assist devices, help out a biological heart by supplementing or replacing one of its two pumping chambers. These are more straightforward and versatile than total artificial hearts, and can be used for earlier stages of heart failure. Not all artificial hearts generate a pulse. Artificial hearts with a pulse generally mimic the biological heart. They pump blood in the same way the heart beats, by filling with blood and squeezing to circulate blood in waves or pulses. But some devices continuously push blood around the body instead of pulsing. So with these continuous-flow devices neither the patient nor their health team can <a href="https://link.springer.com/article/10.1007/s11906-017-0782-6">detect a pulse</a>. <a href="https://linkinghub.elsevier.com/retrieve/pii/S0003497524008749">In the US between 2014 and 2024</a>, almost 30,000 patients received continuous-flow ventricular assist devices. In the same period, more than 310 total artificial hearts were implanted. The total artificial hearts <a href="https://www.syncardia.com/syncardia-total-artificial-heart-stah.html">commercially</a> <a href="https://www.carmatsa.com/en/our_product/">available</a> today are licensed exclusively as bridging therapies – to keep people alive until a donor heart becomes available – rather than permanent implants. <h2>How about the device making news this week?</h2> The device in the news – the <a href="https://www.monash.edu/news/articles/australias-first-durable-total-artificial-heart-implant-announced-as-a-success">BiVACOR Total Artificial Heart</a> – was developed by a US-Australian collaboration. This device is innovative, mainly because it is the first continuous-flow device designed to replace the whole heart. Designers are also aiming for it to be the first total artificial heart suitable as a permanent transplant (known as destination therapy). A reliable, durable and responsive total artificial heart is, <a href="https://www.abc.net.au/news/2025-03-12/sydney-hospital-artificial-heart-implant-operation-success/105036154">in the words</a> of Paul Jansz, the surgeon who implanted the device, “the Holy Grail”. The BiVACOR’s clinical success so far gives us reason to be optimistic about an alternative to scarce donor hearts for responding to severe heart failure. <figure class="align-center zoomable"><a href="https://images.theconversation.com/files/655013/original/file-20250313-56-4w24qy.jpg?ixlib=rb-4.1.0&rect=12%2C12%2C8231%2C5475&q=45&auto=format&w=1000&fit=clip"><img src="https://images.theconversation.com/files/655013/original/file-20250313-56-4w24qy.jpg?ixlib=rb-4.1.0&rect=12%2C12%2C8231%2C5475&q=45&auto=format&w=754&fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/655013/original/file-20250313-56-4w24qy.jpg?ixlib=rb-4.1.0&q=45&auto=format&w=600&h=400&fit=crop&dpr=1 600w, https://images.theconversation.com/files/655013/original/file-20250313-56-4w24qy.jpg?ixlib=rb-4.1.0&q=30&auto=format&w=600&h=400&fit=crop&dpr=2 1200w, https://images.theconversation.com/files/655013/original/file-20250313-56-4w24qy.jpg?ixlib=rb-4.1.0&q=15&auto=format&w=600&h=400&fit=crop&dpr=3 1800w, https://images.theconversation.com/files/655013/original/file-20250313-56-4w24qy.jpg?ixlib=rb-4.1.0&q=45&auto=format&w=754&h=503&fit=crop&dpr=1 754w, https://images.theconversation.com/files/655013/original/file-20250313-56-4w24qy.jpg?ixlib=rb-4.1.0&q=30&auto=format&w=754&h=503&fit=crop&dpr=2 1508w, https://images.theconversation.com/files/655013/original/file-20250313-56-4w24qy.jpg?ixlib=rb-4.1.0&q=15&auto=format&w=754&h=503&fit=crop&dpr=3 2262w" alt="Hand holding the BiVACOR artificial heart" /></a><figcaption>This device is designed to replace the whole heart, and for now, is licensed as a temporary implant, ahead of a heart transplant. BiVACOR TIQ</figcaption></figure> <h2>Transplants can change lives</h2> However, patients do not just resume their old lives when they leave hospital with an artificial heart. While the pumping component is inside their chest, there are also <a href="https://www.instagram.com/p/BHW0ATvgFDu/?hl=en">external components</a> to manage and monitor. A thick tube perforates their abdomen and connects to an external controller unit and power supply, which the patient carries around in a bag. Controllers must be closely monitored, and batteries must be regularly recharged. My research showed that even a perfectly safe and reliable total artificial heart could transform patients’ lives in at least three major areas. 1. Is it part of me? Do I trust it? Patients must <a href="https://www.tandfonline.com/doi/10.1080/09638288.2020.1717648">trust, tolerate and receive sensory feedback about how the device is working</a> for it to feel like part of them. In the case of an artificial heart, this might mean the device feels responsive to exercise and the body’s needs. But it may be difficult for artificial hearts to meet these criteria, especially for devices that do not generate a pulse. Patients may also question whether their heart is located in their body, or in the controller unit. They may wonder if they even have a heart, particularly if they can’t feel a pulse. 2. Beeps and alarms An artificial heart also changes how patients live their lives and <a href="https://link.springer.com/article/10.1007/s11097-024-10050-7">navigate the world</a>. Interruptions from <a href="https://journals.sagepub.com/doi/10.1177/1049732317700853">loud device alarms</a> distract patients from their normal activities. And patients must switch between mains power and batteries when they <a href="https://linkinghub.elsevier.com/retrieve/pii/S0147956311002718">wake in the night and need to visit the toilet</a>. 3. Marking time Our hearts may be our <a href="https://www.frontiersin.org/journals/neurorobotics/articles/10.3389/fnbot.2014.00015/full">natural</a> <a href="https://linkinghub.elsevier.com/retrieve/pii/S0301051111000032">metronomes</a>, marking time. So removing someone’s heart rhythm can confuse their sense of time. The need for batteries to be recharged periodically can also reshape patients’ days. Waiting around for a transplant heart, or the latest software update, may change patients’ perspectives on what months and years feel like. <h2>We need to give patients the whole picture</h2> Artificial hearts are remarkable devices with great promise. But patients and families also deserve to know how these extraordinary treatments might change how they feel about themselves and the world. They need to know this before they sign up for them. Artificial hearts don’t just save lives – they also change them.<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/252165/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> By <a href="https://theconversation.com/profiles/pat-mcconville-2344684">Pat McConville</a>, Lecturer in Ethics, Law, and Professionalism, School of Medicine, <a href="https://theconversation.com/institutions/deakin-university-757">Deakin University</a> This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/an-artificial-heart-may-save-your-life-but-it-can-also-change-you-in-surprising-ways-252165">original article</a>. Image: Shutterstock </div>

Body

Official interest rates have been cut, but not everyone is a winner

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/isaac-gross-737430">Isaac Gross</a>, <a href="https://theconversation.com/institutions/monash-university-1065">Monash University</a> The Reserve Bank’s decision to cut interest rates for the first time in four years has triggered a round of celebration. Mortgage holders are cheering the fact their monthly repayments are now slightly lower, while the Albanese government hopes the small easing in the cost of living will <a href="https://theconversation.com/view-from-the-hill-will-albanese-opt-for-an-april-election-now-a-rate-cut-has-him-breathing-more-easily-250136">lift voters’ moods</a>. This is despite the Reserve Bank’s warnings that <a href="https://theconversation.com/the-reserve-bank-has-cut-rates-for-the-first-time-in-four-years-but-it-is-cautious-about-future-cuts-249704">further rate cuts may not eventuate</a>, depending on how much further progress is made on taming inflation. But it’s important to remember not everybody benefits from an interest rate cut. Some will be worse off. <h2>Savers lose out</h2> Not all Australian households are net borrowers. Many are net savers, retirees or prospective homebuyers, who actually lose out when rates fall. For starters, <a href="https://www.rba.gov.au/publications/fsr/2024/sep/contents.html">only about a third of households</a> are in hock to the banks when it comes to a monthly mortgage repayment. Another third of households have paid off their mortgage entirely, and so don’t benefit from a reduction in mortgage interest rates. And the remaining third are renters, who also don’t pay a mortgage. So while this news is generally a good thing for borrowers, a fall in mortgage rates only directly benefits a minority of households. Here are some of the ways lower interest rates might actually hurt rather than help the typical Australian household. <h2>Higher house prices</h2> One of the most immediate effects of lower interest rates is their impact on the housing market. With cheaper borrowing costs, more buyers can afford larger loans, bidding up house prices. This is great if you already own a home, but terrible if you’re still trying to buy one. For young Australians locked out of home ownership, a rate cut makes things even harder. It drives prices higher, forcing prospective buyers to stretch their finances further just to get a foot in the market. <a href="https://www.rba.gov.au/speeches/2024/sp-ag-2024-05-16.html">Reserve Bank calculations </a> suggest that, in the long run, higher house prices from lower rates can outweigh the benefit of lower mortgage repayments. <h2>Lower returns on savings</h2> If you’re a saver rather than a borrower, interest rate cuts are unequivocally bad news. Whether you’re saving for a home deposit, retirement, or just an emergency fund, lower rates mean you earn less on your bank deposits. The money in your savings account is now growing more slowly, making it harder to build wealth over time. Indeed, more than 20 banks actually cut their term deposit rates in advance of the Reserve Bank’s decision on Tuesday, according to <a href="https://www.canstar.com.au/home-loans/banks-slash-term-deposit-rates-february-2025/">Canstar research</a>. Analysis of HILDA data, <a href="https://www.rba.gov.au/publications/bulletin/2020/jun/household-wealth-prior-to-covid-19-evidence-from-the-2018-hilda-survey.html#:%7E:text=The%20HILDA%20Survey%20is%20a,observation%20available%20is%20for%202018.">which surveys household wealth and income</a>, suggests net savers tend to be younger households without property, retirees living off savings, and those who are not in full-time employment. For these groups, lower rates mean less income and fewer financial opportunities. <h2>Retirees will feel the squeeze</h2> Many <a href="https://www.rba.gov.au/publications/bulletin/2012/dec/pdf/bu-1212-3.pdf">retirees rely on income</a> from interest-bearing assets such as term deposits or cash savings. When rates fall, their returns shrink. The cost-of-living crisis has made it harder for retirees on a fixed income to fund their lifestyles, and a rate cut only makes things worse. While some retirees have exposure to the stock market via superannuation, many prefer the stability of cash savings. With rates falling, they face the tough choice of either reducing their spending or taking on more investment risk in their old age. <h2>Bad news for the dollar, and overseas travellers</h2> When the Reserve Bank cuts rates, it tends to <a href="https://www.rba.gov.au/education/resources/explainers/drivers-of-the-aud-exchange-rate.html">weaken the Australian dollar</a>. A weaker dollar makes overseas travel more expensive for Australians. That pint of beer in London, that piña colada in Puerto Rico, or that shopping trip to New York all become pricier. For Australians planning international holidays, rate cuts are a blow. A strong Australian dollar makes travel cheaper, and lower rates work against that. So while mortgage holders might celebrate, anyone hoping to travel overseas finds themselves worse off. <h2>More expensive imports</h2> Just as a weaker Australian dollar makes travel more expensive, it also increases the cost of imported goods. And Australia imports a lot – especially cars and petrol. Since the closure of domestic car manufacturing, all new vehicles sold in Australia are imported. Petrol, the second-largest import, is also sensitive to currency fluctuations. When the Australian dollar weakens due to lower interest rates, the cost of these essential goods rises. For the millions of Australians who rely on their cars for daily life, this is a significant financial burden. This isn’t to say rate cuts don’t benefit a large portion of Australians. Anyone with a significant mortgage debt will find themselves with lower monthly repayments, and that’s undoubtedly a financial relief. But the public narrative around interest rates tends to treat cuts as a universal good, ignoring the many Australians who are left worse off. Falling interest rates are a sign the high inflation that has caused the cost-of-living crisis has abated. That is <a href="https://www.rba.gov.au/media-releases/2025/mr-25-03.html">an economic success</a> that ought to be celebrated. But that now rates are falling again, we should at least acknowledge the costs that come with them.<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/250140/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> By <a href="https://theconversation.com/profiles/isaac-gross-737430">Isaac Gross</a>, Lecturer in Economics, <a href="https://theconversation.com/institutions/monash-university-1065">Monash University</a> This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/official-interest-rates-have-been-cut-but-not-everyone-is-a-winner-250140">original article</a>. Image: Shutterstock </div>

Money & Banking

Big banks finally cut fixed-interest mortgage rates

NAB has become the first big bank to announce it has cut its fixed rate mortgages across all loan terms. The bank is the first of the big four banks to cut its fixed rates in 2025, two weeks out from the Reserve Bank of Australia’s first meeting when it is tipped to cut the cash rate. NAB announced on Monday that their lowest fixed rate is now 5.84 per cent, with a deposit of at least 20 per cent on a three-year term. “NAB is the first of the big four banks to cut fixed rates in 2025, with other banks likely to follow,” Canstar data insights director Sally Tindall said. “The cost of wholesale fixed rate funding has started to ease slightly. This, combined with a prospective cash rate cut, should push other banks into moving on fixed rates.” The cuts from NAB come almost two weeks after Macquarie Bank lowered its fixed rates, however, ANZ still has the lowest fixed rate out of the big four banks at 5.74 per cent for a two-year or three-year term. “While a few banks are now starting to sharpen their offerings, fixed rates still have a way to fall before they become fashionable again with borrowers,” Tindall said. “We expect the big four banks in particular to pass on cash rate cuts in full, at least for the first couple of cash rate cuts,” she said. “But we might even see some banks choose to pass on even more to new customers in order to take advantage of that re-engagement for borrowers in what a competitive rate looks like.” “Many homeowners have been waiting for well over a year for a cash rate cut. It’s hard to see them throwing in the towel and switching to a fixed rate now when the RBA is poised to move." “That said, there’s no guarantee we’ll see a barrage of cash rate cuts and borrowers should factor this into their thinking.” Image credits: Shutterstock <p class="mb-4 font-serif text-article-body" style="font-family: var(--font-google-newsreader),serif; box-sizing: border-box; border: 0px solid; margin: 0px 0px 24px; font-size: 1.2275rem; line-height: 26.514px; caret-color: #2a2a2a; color: #2a2a2a;">

Money & Banking

Council rates raise concern for family rejecting $60m property offer

The Zammit family have refused to sell their 20,000sqm property in Quakers Hill, Sydney for years, but now there are concerns that they may be forced to leave. Despite being surrounded by thousands of houses, the Zammit family have held out on their prime property location, and even refused a <a href="https://www.oversixty.com.au/finance/money-banking/these-guys-have-held-on-why-a-family-turned-down-50-million-for-their-home" target="_blank" rel="noopener">$50 million offer</a> two years ago, a figure that has now gone up to <a href="https://www.oversixty.com.au/finance/money-banking/aussie-family-s-refusal-to-sell-family-home-could-land-them-a-60m-fortune" target="_blank" rel="noopener">$60 million</a>. However, amid all the talk of how the family can keep resisting property developers, social media users now believe that authorities may use a sneaky way to force them out. Many of them believe that the Zammit's will be forced out by rising council rates, which may be increased to a point where the family will no longer be able to afford their home. "If they don't sell out in time the adjusted council rates will get them out in the end," on commenter said. "Yep, that's how they will do it! Rezone, then apply higher rates accordingly until they squeeze them out financially," another added. "Many people I know had their hand forced to sell their dream home in the end due to increases in council rates," a third commented. All of the land around the Zammit's property have been bought by developers who plan to build a new suburb called The Ponds. However, the local council has denied that the family may be forced to move. A Blacktown City Council spokesperson told the Daily Mail that it "has no plans to acquire the property and has not had any negotiations to acquire the property. "The property rate applied to this property is the same as all surrounding residential properties." Commenters from around the world have praised the family for choosing to stay put. "Good on them, why should developers get rich," one wrote. "Don't bow down to greedy big corp," another added. House prices in Quakers Hill rose about 8.5 per cent in 2024, according to PropTrack, which means that the family would've earned an extra $4.25 million on top of their previous offers. <em style="background-color: #ffffff; color: #212529; font-family: -apple-system, 'system-ui', 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif, 'Apple Color Emoji', 'Segoe UI Emoji', 'Segoe UI Symbol', 'Noto Color Emoji'; font-size: 16px; box-sizing: border-box;">Image: 7News

Legal

The heart research that could save fit and healthy Australians

Leading scientists at the <a title="https://www.hri.org.au" href="https://www.hri.org.au/" data-outlook-id="7561b6b0-1679-4cf1-aedd-c178db738113">Heart Research Institute</a> (HRI) are close to uncovering a new biomarker to identify people at risk of heart disease with a simple blood test, after a “good” gene was identified that causes the heart to enlarge with exercise. The world first discovery was led by one of Australia’s foremost heart scientists, Professor Julie McMullen, who is now leading HRI’s Heart Muscle Group to focus on developing new ways to prevent and treat heart attack and heart failure. “Our goal is to reproduce the actions of the ‘good’ genes in the diseased heart by mimicking the beneficial effects of exercise in a failing heart. We then use that information to develop new drugs to reduce the risk of heart disease or heart failure,” Prof McMullen said. One person has a heart attack in Australia every 10 minutes, while one Australian dies from cardiovascular disease every 12 minutes. “Heart disease can happen to any of us. With increasing rates of obesity and type two diabetes, people are being affected by heart conditions at a much younger age, which can progress to heart attack and heart failure,” Prof McMullen said. “Current drugs are not very effective for improving heart function and quality of life, so it is important that we identify new therapies for patients with heart disease and heart failure.” A simple blood test could have helped someone like Warren Williams, who was a fit and healthy tri-athelete when he discovered he had atrial fibrillation. The Sydney father had to be fitted with a pacemaker, only to still suffer a massive cardiac arrest years later while on a run. “Doctors told me I should be dead, they said I shouldn’t have lived through it,” he said. "Somehow I miraculously survived, probably due to my fitness, but that we will never know. I was told I wouldn’t be able to run again, ride a bike, sing on stage, and possibly not even work again." The father is now on a mission to spread awareness about regular heart check-ups, especially for those people who feel fit and healthy. "Atrial Fibrillation affects people in many different ways - for some, everyday life and function becomes quite difficult, whereas in others, like myself, it can be a silent underlying condition with potentially life-threatening outcomes." Scientists are hoping to find the gift of research in their Santa stocking this festive season as HRI launches a targeted <a title="https://www.hri.org.au/donate-christmas-appeal" href="https://www.hri.org.au/donate-christmas-appeal" data-outlook-id="69ee70de-a228-4c82-9fb7-4efd2bcfa0b0">Christmas Appeal</a> to help Prof McMullen’s team ramp up their work to the next phase. “We know this biomarker is there and we are close to finding it, but it comes down to researchers getting time in the lab,” Prof McMullen said. “By donating, individuals can fund essential laboratory resources and high-tech equipment, accelerating the availability of life-changing treatments for those in need, said Prof McMullen. Image credits: Shutterstock

Body

Been drinking and your heart’s fluttering? You may have ‘holiday heart’

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/caleb-ferguson-72">Caleb Ferguson</a>, <a href="https://theconversation.com/institutions/university-of-wollongong-711">University of Wollongong</a> and <a href="https://theconversation.com/profiles/sabine-allida-2236436">Sabine Allida</a>, <a href="https://theconversation.com/institutions/university-of-wollongong-711">University of Wollongong</a> It’s the time of year for workplace Christmas parties, and gatherings with family and friends. Maybe you’ll drink a lot in one go. Then you feel your heart beating fast or irregularly. Maybe there’s a flutter in your chest or neck. Maybe you feel dizzy or short of breath. You may feel so concerned you go to the emergency department. After a few tests, you’re told you have “alcohol-induced atrial arrhythmia”. In plain English, that’s an irregular heartbeat brought on by excessive, or binge drinking. The condition is common at this time of year. That’s why it’s also called “<a href="https://www.sciencedirect.com/science/article/abs/pii/000287037890296X">holiday heart</a>”. <h2>What is holiday heart?</h2> Every festive season, emergency departments see more people with <a href="https://www.cambridge.org/core/journals/prehospital-and-disaster-medicine/article/impact-of-alcoholrelated-presentations-to-emergency-departments-on-days-with-a-public-holiday-or-sporting-event-a-retrospective-cohort-study/174603C0385FE6FCEBBAEA1A10DB25BD">alcohol-related issues</a> and <a href="https://www.heartlungcirc.org/article/S1443-9506(16)30583-2/pdf">irregular heart rhythms</a>. People often present with a fast or irregular heartbeats associated with binge drinking, overeating, dehydration and increased stress over the silly season – all contributing factors. We’ve known about holiday heart (or holiday heart syndrome) for <a href="https://www.sciencedirect.com/science/article/abs/pii/000287037890296X">almost 50 years</a>. Back in the 1970s, it was described as an abnormal heart rhythm (or arrythmia) in healthy people without heart disease after binge drinking alcohol. Doctors often saw this after weekends and public holidays, including the festive season. But an abnormal heart rhythm related to alcohol <a href="https://www.sciencedirect.com/science/article/pii/S2405500X22009379#bib2">isn’t limited</a> to the holidays and weekends. We also see it in people who binge drink at any time of year, or in people who drink heavily over many years. <h2>What causes it? How is it diagnosed?</h2> Alcohol affects your <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC5513687/">heart, blood vessels, blood</a> and nervous system in many ways. For instance, when alcohol disrupts your nervous system, it can lead to dehydration and inflammation. In turn, this can cause disruption to the heart’s electrical system, which can lead to an <a href="https://pubmed.ncbi.nlm.nih.gov/28867013/">irregular heartbeat</a>. People may go to hospital with heart flutters, chest pain, fainting or passing out (syncope) and shortness of breath (dyspnoea). But an irregular heartbeat can also occur without symptoms, and may only be discovered when investigating other health issues. If you have symptoms, go to your emergency department or GP. Health professionals will likely run some tests to diagnose heart-related rhythm problems. These include monitoring the heart’s rhythm using an ECG or electrocardiogram. This simple and non-invasive test involves attaching some electrodes to your chest, arms and legs to produce a graph of electrical signals from the heart. Clinicians are often interested in the “p wave”, which represents the electrical activation of the upper chambers of the heart. You may also have a blood test to look at your electrolyte levels (essential minerals in your blood). A blood test may also test for markers of clotting and inflammation, as well as kidney and liver function. <h2>Why are we concerned about it?</h2> The vast majority of people diagnosed with holiday heart will recover, especially if treated early or if they stop or limit drinking alcohol. However, some people will be diagnosed with <a href="https://theconversation.com/getting-to-the-heart-of-the-matter-on-stroke-7180">atrial fibrillation</a> – the <a href="https://www.heartlungcirc.org/article/S1443-9506(18)31778-5/fulltext">most common</a> heart rhythm disorder in Australian adults, affecting <a href="https://www.sciencedirect.com/science/article/pii/S1443950617304845">1.4-5.5%</a> of the population. If so, this may require medicines to restore a regular heartbeat (known as <a href="https://www.svhhearthealth.com.au/procedures/procedures-treatments/cardioversion">cardioversion</a>), electrical cardioversion (using a defibrillator to apply an electric shock to the heart) or a procedure called <a href="https://www.heart.org/en/health-topics/arrhythmia/prevention--treatment-of-arrhythmia/ablation-for-arrhythmias">cardiac ablation</a>. If atrial fibrillation is left untreated, there’s an increased risk of blood clots, stroke and a heart attack. <h2>How can you prevent it?</h2> There is no definitive number of drinks known to trigger holiday heart. So our best advice to prevent it is to avoid binge drinking. Australian <a href="https://www.nhmrc.gov.au/health-advice/alcohol">guidelines</a> recommend women and men limit alcohol to no more than ten standard drinks a week and no more than four standard drinks on any one day. We’d also recommend drinking water between alcoholic drinks. This can help reduce the dehydrating effects of alcohol and reduce the risk of alcohol-induced heart rhythm complications. Then do your best to <a href="https://journals.sagepub.com/doi/full/10.1177/2156587214543143">reduce stress</a>, keep up with exercise and eat a diet that’s <a href="https://www.heartfoundation.org.au/healthy-living/healthy-eating/heart-healthy-eating-pattern">good for your heart</a> – all general advice for looking after your heart, whether or not you’re drinking alcohol. Taking these steps will help reduce your risk of holiday heart and keep your heart healthy this festive season. <hr /> Information about alcohol and the heart is available from the <a href="https://www.heartfoundation.org.au/blog/alcohol-and-heart-health">Heart Foundation</a>. If your GP is closed over the holidays and you need health advice, call <a href="https://www.healthdirect.gov.au/">healthdirect</a> on 1800 022 222, <a href="https://www.health.vic.gov.au/primary-care/nurse-on-call">NURSE-ON-CALL</a> in Victoria on 1300 60 60 24 or <a href="https://www.qld.gov.au/health/contacts/advice/13health">13HEALTH</a> in Queensland on 13 43 25 84. In an emergency in Australia, call 000.<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/241469/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/caleb-ferguson-72">Caleb Ferguson</a>, Professor of Nursing and Director of Health Innovations, <a href="https://theconversation.com/institutions/university-of-wollongong-711">University of Wollongong</a> and <a href="https://theconversation.com/profiles/sabine-allida-2236436">Sabine Allida</a>, Research Fellow (Implementation Science), <a href="https://theconversation.com/institutions/university-of-wollongong-711">University of Wollongong</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/been-drinking-and-your-hearts-fluttering-you-may-have-holiday-heart-241469">original article</a>. </div>

Body

Australia’s fertility rate has reached a record low. What might that mean for the economy?

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/jonathan-boymal-392960">Jonathan Boymal</a>, <a href="https://theconversation.com/institutions/rmit-university-1063">RMIT University</a>; <a href="https://theconversation.com/profiles/ashton-de-silva-3066">Ashton De Silva</a>, <a href="https://theconversation.com/institutions/rmit-university-1063">RMIT University</a>, and <a href="https://theconversation.com/profiles/sarah-sinclair-385470">Sarah Sinclair</a>, <a href="https://theconversation.com/institutions/rmit-university-1063">RMIT University</a> Australia’s fertility rate has fallen to a new <a href="https://www.abs.gov.au/statistics/people/population/births-australia/latest-release">record low</a> of 1.5 babies per woman. That’s well below the “<a href="https://pubmed.ncbi.nlm.nih.gov/7834459/#:%7E:text=PIP%3A%20Replacement%20level%20fertility%20is,of%202.1%20children%20per%20woman.">replacement rate</a>” of 2.1 needed to sustain a country’s population. On face value, it might not seem like a big deal. But we can’t afford to ignore this issue. The health of an economy is deeply intertwined with the size and structure of its population. Australians simply aren’t having as many babies as they used to, raising some serious questions about how we can maintain our country’s workforce, sustain economic growth and fund important services. So what’s going on with fertility rates here and around the world, and what might it mean for the future of our economy? What can we do about it? <h2>Are lower birth rates always a problem?</h2> Falling fertility rates can actually have some <a href="https://www.rand.org/content/dam/rand/pubs/monograph_reports/2007/MR1274.pdf">short-term benefits</a>. Having fewer dependent young people in an economy can increase workforce participation, as well as boost savings and wealth. Smaller populations can also benefit from <a href="https://www.sciencedirect.com/science/article/abs/pii/S0927537112000620.">increased investment</a> per person in education and health. But the picture gets more complex in the long term, and less rosy. An ageing population can strain pensions, health care and social services. This can hinder economic growth, unless it’s <a href="https://pubmed.ncbi.nlm.nih.gov/21302431/">offset by increased productivity</a>. Other scholars have <a href="https://www.gsb.stanford.edu/faculty-research/publications/end-economic-growth-unintended-consequences-declining-population">warned</a> that a falling population could stifle innovation, with fewer young people meaning fewer breakthrough ideas. <h2>A global phenomenon</h2> The trend towards women having fewer children is not unique to Australia. The global fertility rate has dropped over the past couple of decades, from 2.7 babies per woman in 2000 to <a href="https://www.macrotrends.net/global-metrics/countries/WLD/world/fertility-rate">2.4 in 2023</a>. However, the distribution is not evenly spread. In 2021, 29% of the world’s babies were born in sub-Saharan Africa. This is projected to <a href="https://www.healthdata.org/news-events/newsroom/news-releases/lancet-dramatic-declines-global-fertility-rates-set-transform">rise to 54% by 2100</a>. There’s also a <a href="https://onlinelibrary.wiley.com/doi/full/10.1002/psp.2720">regional-urban divide</a>. Childbearing is often delayed in urban areas and late fertility is more common in cities. In Australia, we see <a href="https://www.abs.gov.au/statistics/people/population/births-australia/latest-release#data-downloads">higher fertility rates</a> in inner and outer regional areas than in metro areas. This could be because of more affordable housing and a better work-life balance. But it raises questions about whether people are moving out of cities to start families, or if something intrinsic about living in the regions promotes higher birth rates. <iframe id="U1wEx" class="tc-infographic-datawrapper" style="border: 0;" src="https://datawrapper.dwcdn.net/U1wEx/1/" width="100%" height="400px" frameborder="0" scrolling="no"></iframe> <h2>Fewer workers, more pressure on services</h2> Changes to the makeup of a population can be just as important as changes to its size. With fewer babies being born and increased life expectancy, the proportion of older Australians who have left the workforce will keep rising. One way of tracking this is with a metric called the old-age dependency ratio – the number of people aged 65 and over per 100 working-age individuals. In Australia, this ratio is currently about 27%. But according to the latest <a href="https://treasury.gov.au/publication/2023-intergenerational-report">Intergenerational Report</a>, it’s expected to rise to 38% by 2063. An ageing population means greater demand for medical services and aged care. As the working-age population shrinks, the tax base that funds these services will also decline. Unless this is offset by technological advances or policy innovations, it can mean higher taxes, longer working lives, or the government providing fewer public services in general. <h2>What about housing?</h2> It’s tempting to think a falling birth rate might be good news for Australia’s stubborn housing crisis. The issues are linked – rising real estate prices have made it difficult for many young people to afford homes, with a significant number of people in their 20s <a href="https://pursuit.unimelb.edu.au/articles/more-australian-adult-children-are-living-with-their-parents-longer">still living with their parents</a>. This can mean delaying starting a family and reducing the number of children they have. At the same time, if fertility rates stay low, demand for large family homes may decrease, impacting one of Australia’s most significant economic sectors and sources of household wealth. <h2>Can governments turn the tide?</h2> Governments worldwide, including Australia, have long experimented with policies that encourage families to have more children. Examples include paid parental leave, childcare subsidies and financial incentives, such as Australia’s “<a href="https://theconversation.com/what-the-baby-bonus-boost-looks-like-across-ten-years-81563">baby bonus</a>”. Many of these efforts have had only limited success. One reason is the rising average age at which women have their first child. In many developed countries, including Australia, the average age for first-time mothers has surpassed <a href="https://www.aihw.gov.au/reports/mothers-babies/australias-mothers-babies/contents/overview-and-demographics/maternal-age">30</a>. As women delay childbirth, they become less likely to have multiple children, further contributing to declining birth rates. Encouraging women to start a family earlier could be one policy lever, but it must be balanced with women’s growing workforce participation and career goals. Research has previously highlighted the factors influencing fertility decisions, including levels of paternal involvement and workplace flexibility. Countries that offer part-time work or maternity leave without career penalties have seen a <a href="https://faculty.wcas.northwestern.edu/mdo738/research/Doepke_Hannusch_Kindermann_Tertilt_Handbook_23.pdf">stabilisation or slight increases</a> in fertility rates. <h2>The way forward</h2> Historically, one of the ways Australia has countered its low birth rate is through immigration. Bringing in a lot of people – especially skilled people of working age – can help offset the effects of a low fertility rate. However, relying on immigration alone is not a long-term solution. The global fertility slump means that the pool of young, <a href="https://www.imf.org/en/Publications/fandd/issues/2020/03/can-immigration-solve-the-demographic-dilemma-peri">educated workers from other countries</a> is shrinking, too. This makes it harder for Australia to attract the talent it needs to sustain economic growth. Australia’s record-low fertility rate presents both challenges and opportunities. On one hand, the shrinking number of young people will place a strain on public services, innovation and the labour market. On the other hand, advances in technology, particularly in artificial intelligence and robotics, may help ease the <a href="https://www.sciencedirect.com/science/article/abs/pii/S0164070420302020">challenges of an ageing population</a>. That’s the optimistic scenario. AI and other tech-driven productivity gains could reduce the need for large workforces. And robotics could assist in aged care, lessening the impact of this demographic shift.<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/241577/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/jonathan-boymal-392960">Jonathan Boymal</a>, Associate Professor of Economics, <a href="https://theconversation.com/institutions/rmit-university-1063">RMIT University</a>; <a href="https://theconversation.com/profiles/ashton-de-silva-3066">Ashton De Silva</a>, Professor of Economics, <a href="https://theconversation.com/institutions/rmit-university-1063">RMIT University</a>, and <a href="https://theconversation.com/profiles/sarah-sinclair-385470">Sarah Sinclair</a>, Senior Lecturer in Economics, <a href="https://theconversation.com/institutions/rmit-university-1063">RMIT University</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/australias-fertility-rate-has-reached-a-record-low-what-might-that-mean-for-the-economy-241577">original article</a>. </div>

Money & Banking

"Heavy heart": Susie O'Neill breaks down as she resigns live on air

Olympic swimmer turned radio host Susie O'Neill has broken down live on air as she announced her resignation from her role with the Brisbane Nova breakfast show. The 51-year-old tearfully told her co-hosts David 'Luttsy' Lutteral and Ashley Bradnam that she would be taking a step back from radio after 10 years with the network. "I do this with a heavy heart, the decision wasn't easy. It's hard for me to articulate exactly why I'm leaving," Susie began. "Turning 50 last year, I realised I'm at a whole new stage in my life. The next chapter will see me pursue other goals, both professionally and personally." Susie added that she was already contemplating what her next career moves would be, as she reassured listeners that she would stay on the air for another six weeks, with her final show being on November 28th. "I want to get back to the grassroots of sport and involve myself in the wider community. It's going to be an emotional final day, saying goodbye to everyone," she said. "Whatever this next chapter brings, my Nova family won't be far away." She went on to thank both of her co-hosts a she reflected on her time on the show, saying, "Thanks to Ash and Luttsy for bringing me into your world and life a bit over 10 years ago now, when I pretty much had nothing going on in my life to be honest." "I joked that it saved my life at the time. You were both so supportive of me. I was horrible at radio and I’d be upset and say, 'I can’t do it' and you would say, 'no, just keep going, just keep going'." Co-host Luttsy was quick to pay tribute to Susie, saying, "It's been an incredible adventure becoming great mates with you. Can't wait to see your next chapter." Before joining the world of radio in 2023 as a sports broadcaster, Susie rose to fame at the age of just 14, joining the Olympic team and going on to score 35 Australian titles and retiring after the 2000 Sydney Olympics. Image credits: Nova

Music

"Super uncomfortable for everyone": Qantas plays R-rated movie for every passenger

Qantas has issued an apology after an R-rated movie was played for every passenger onboard a flight from Sydney to Tokyo. On Saturday, the flight was delayed by an hour due to problems with the in-flight entertainment system, which resulted in cabin crew only being able to play one film on everyone's individual screens. After requests were taken by passengers, the movie Daddio was chosen. The 2023 drama stars Sean Penn and Dakota Johnson as a taxi driver and his passenger as they discuss their relationships, including an affair Johnson’s character had with a married man. One passenger took to Reddit to share their experience of the flight, saying it was "extremely inappropriate", due to scenes of “graphic nudity and a lot of sexting”. “The kind where you could literally read the texts on screen without needing headphones,” the passenger wrote. “It was super uncomfortable for everyone, especially with families and kids on board.” Another passenger said the airline made the switch to Inside Out 2 followed by a New Zealand nature show after playing “40 minutes of penis and boobs”. “These poor kids and the parents because y’all should’ve heard the audible gasps across the plane,” the passenger said. Cabin crew members attempted to fix the screens of those who didn't want to watch the R-rated film, but when this didn't work, resorted to switching the movie entirely. “The movie was clearly not suitable to play for the whole flight and we sincerely apologise to customers for this experience,” a Qantas spokesperson stated. “All screens were changed to a family-friendly movie for the rest of the flight, which is our standard practice for the rare cases where individual movie selection isn’t possible." “We are reviewing how the movie was selected.” Image credits: Shutterstock

Travel Trouble

Channel 7 star hospitalised over heart issue

Former Brisbane Lions AFLW star Kate McCarthy’s celebrations following the Brisbane Lions men’s AFL grand final victory were cut short after she was hospitalised due to an ongoing heart condition. McCarthy, 31, who played 42 games in the AFLW for the Brisbane Lions, St Kilda and Hawthorn across seven seasons before retiring, has been an active presence in the world of AFL even after stepping off the field. She currently serves as a commentator for Triple M and Channel 7, having provided coverage for Channel 7 during the AFL grand final weekend. McCarthy also co-hosts panel shows Armchair Experts and Talking W. Over the weekend, McCarthy celebrated the Lions’ dominant 60-point grand final win over the Sydney Swans and their AFLW team’s two-point victory over the Adelaide Crows, which pushed the women’s team to second place on the ladder. However, McCarthy took to social media platform X (formerly Twitter) on Tuesday to reveal she had been hospitalised due to a heart-related issue, sharing a light-hearted post about the situation: “When the @brisbanelions & @lionsaflw double over the weekend sends you into ventricular tachycardia." Ventricular tachycardia is a condition where the heart beats faster than 100 beats per minute, causing a rapid and irregular rhythm. This can become life-threatening if left untreated, especially for individuals with underlying heart conditions. McCarthy’s heart issues are particularly dangerous due to her reliance on a pacemaker, which was implanted after she suffered from seizures as a child. At the age of five, McCarthy was diagnosed with an intermittent third-degree heart block, a condition where the electrical signals that control the heart’s rhythm fail to fire properly. After several seizures during her childhood, including a severe episode when she was 12, she underwent emergency surgery to install the pacemaker. Despite these health challenges, McCarthy’s sporting career has been nothing short of remarkable. She represented Queensland in cricket and touch footy and played for Australia in the latter before making her AFLW debut for the Lions in 2017. Her AFLW career highlights include being named an All-Australian and the Lions’ leading goal kicker in their inaugural season. McCarthy’s heart condition appears to be under control, with her pacemaker functioning as intended. While her health scare has been concerning, she reassured her followers that she is on the mend, humorously comparing her pacemaker’s performance to that of the Sydney Swans on grand final day. "On the mend now," McCarthy wrote, "but Monday night review shows pacemaker performing like the Swans on the big stage.” Images: Twitter (X)

Caring

What’s the difference between a heart attack and cardiac arrest? One’s about plumbing, the other wiring

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/michael-todorovic-1210507">Michael Todorovic</a>, <a href="https://theconversation.com/institutions/bond-university-863">Bond University</a> and <a href="https://theconversation.com/profiles/matthew-barton-1184088">Matthew Barton</a>, <a href="https://theconversation.com/institutions/griffith-university-828">Griffith University</a> In July 2023, rising US basketball star Bronny James collapsed on the court during practice and was sent to hospital. The 18-year-old athlete, son of famous LA Lakers’ veteran LeBron James, had experienced a <a href="https://apnews.com/article/bronny-james-cardiac-arrest-3953eee8789e83f3cccfb6dd798bc54e">cardiac arrest</a>. Many media outlets incorrectly referred to the event as a “<a href="https://en.as.com/nba/lebron-james-son-bronny-plays-for-the-usc-trojans-for-the-first-time-since-suffering-a-heart-attack-n/">heart attack</a>” or used the terms interchangeably. A cardiac arrest and a heart attack are distinct yet overlapping concepts associated with the heart. With some background in <a href="https://www.youtube.com/watch?v=uKrgEv7-rVM&t=16s">how the heart works</a>, we can see how they differ and how they’re related. <h2>Understanding the heart</h2> The heart is a muscle that contracts to work as a pump. When it contracts it pushes blood – containing oxygen and nutrients – to all the tissues of our body. For the heart muscle to work effectively as a pump, it needs to be fed its own blood supply, delivered by the coronary arteries. If these arteries are blocked, the heart muscle doesn’t get the blood it needs. This can cause the heart muscle to become injured or die, and results in the heart not pumping properly. <h2>Heart attack or cardiac arrest?</h2> Simply put, a heart attack, technically known as a myocardial infarction, describes injury to, or death of, the heart muscle. A cardiac arrest, sometimes called a sudden cardiac arrest, is when the heart stops beating, or put another way, stops working as an effective pump. In other words, both relate to the heart not working as it should, but for different reasons. As we’ll see later, one can lead to the other. <h2>Why do they happen? Who’s at risk?</h2> Heart attacks typically result from blockages in the coronary arteries. Sometimes this is called coronary artery disease, but in Australia, we tend to refer to it as ischaemic heart disease. The underlying cause in about <a href="https://www.ncbi.nlm.nih.gov/books/NBK507799/#:%7E:text=It%20has%20been%20reported%20that,increases%20beyond%20age%2050%20years.">75% of people</a> is a process called <a href="https://youtu.be/jwL4lkSlvSA?si=H2as7dQkhbIqWWkU">atherosclerosis</a>. This is where fatty and fibrous tissue build up in the walls of the coronary arteries, forming a plaque. The plaque can block the blood vessel or, in some instances, lead to the formation of a blood clot. Atherosclerosis is a long-term, stealthy process, with a number of risk factors that can sneak up on anyone. High blood pressure, high cholesterol, diet, diabetes, stress, and your genes have all been implicated in this plaque-building process. Other causes of heart attacks include spasms of the coronary arteries (causing them to constrict), chest trauma, or anything else that reduces blood flow to the heart muscle. Regardless of the cause, blocking or reducing the flow of blood through these pipes can result in the heart muscle not receiving enough oxygen and nutrients. So cells in the heart muscle can be injured or die. <figure class="align-center zoomable"><a href="https://images.theconversation.com/files/597616/original/file-20240531-17-o2j0w.png?ixlib=rb-4.1.0&q=45&auto=format&w=1000&fit=clip"><img src="https://images.theconversation.com/files/597616/original/file-20240531-17-o2j0w.png?ixlib=rb-4.1.0&q=45&auto=format&w=754&fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/597616/original/file-20240531-17-o2j0w.png?ixlib=rb-4.1.0&q=45&auto=format&w=600&h=338&fit=crop&dpr=1 600w, https://images.theconversation.com/files/597616/original/file-20240531-17-o2j0w.png?ixlib=rb-4.1.0&q=30&auto=format&w=600&h=338&fit=crop&dpr=2 1200w, https://images.theconversation.com/files/597616/original/file-20240531-17-o2j0w.png?ixlib=rb-4.1.0&q=15&auto=format&w=600&h=338&fit=crop&dpr=3 1800w, https://images.theconversation.com/files/597616/original/file-20240531-17-o2j0w.png?ixlib=rb-4.1.0&q=45&auto=format&w=754&h=424&fit=crop&dpr=1 754w, https://images.theconversation.com/files/597616/original/file-20240531-17-o2j0w.png?ixlib=rb-4.1.0&q=30&auto=format&w=754&h=424&fit=crop&dpr=2 1508w, https://images.theconversation.com/files/597616/original/file-20240531-17-o2j0w.png?ixlib=rb-4.1.0&q=15&auto=format&w=754&h=424&fit=crop&dpr=3 2262w" alt="Heart attack vs cardiac arrest" /></a><figcaption>Here’s a simple way to remember the difference. Author provided</figcaption></figure> But a cardiac arrest is the result of heartbeat irregularities, making it harder for the heart to pump blood effectively around the body. These heartbeat irregularities are generally due to <a href="https://www.youtube.com/watch?v=M_soKG-Tzh0&t=903s">electrical malfunctions</a> in the heart. There are four distinct types: <ul> <li> ventricular tachycardia: a rapid and abnormal heart rhythm in which the heartbeat is more than <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC10541285/">100 beats per minute</a> (normal adult, resting heart rate is generally 60-90 beats per minute). This fast heart rate prevents the heart from filling with blood and thus pumping adequately </li> <li> ventricular fibrillation: instead of regular beats, the heart quivers or “fibrillates”, resembling a bag of worms, resulting in an irregular heartbeat greater than 300 beats per minute </li> <li> pulseless electrical activity: arises when the heart muscle fails to generate sufficient pumping force after electrical stimulation, resulting in no pulse </li> <li> asystole: the classic flat-line heart rhythm you see in movies, indicating no electrical activity in the heart. </li> </ul> Cardiac arrest can arise from numerous underlying conditions, both heart-related and not, such as drowning, trauma, asphyxia, electrical shock and drug overdose. James’ cardiac arrest was attributed to a <a href="https://www.espn.com.au/mens-college-basketball/story/_/id/38260006/bronny-james-cardiac-arrest-caused-congenital-heart-defect">congenital heart defect</a>, a heart condition he was born with. But among the many causes of a cardiac arrest, ischaemic heart disease, such as a heart attack, stands out as the most common cause, accounting <a href="https://pubmed.ncbi.nlm.nih.gov/11898927/">for 70%</a> of all cases. So how can a heart attack cause a cardiac arrest? You’ll remember that during a heart attack, heart muscle can be damaged or parts of it may die. This damaged or dead tissue can disrupt the heart’s ability to conduct electrical signals, increasing the risk of developing arrhythmias, possibly causing a cardiac arrest. So while a heart attack is a common cause of cardiac arrest, a cardiac arrest generally does not cause a heart attack. <h2>What do they look like?</h2> Because a cardiac arrest results in the sudden loss of effective heart pumping, the most common signs and symptoms are a sudden loss of consciousness, absence of pulse or heartbeat, stopping of breathing, and pale or blue-tinged skin. But the common signs and symptoms of a heart attack include chest pain or discomfort, which can show up in other regions of the body such as the arms, back, neck, jaw, or stomach. Also frequent are shortness of breath, nausea, light-headedness, looking pale, and sweating. <h2>What’s the take-home message?</h2> While both heart attack and cardiac arrest are disorders related to the heart, they differ in their mechanisms and outcomes. A heart attack is like a blockage in the plumbing supplying water to a house. But a cardiac arrest is like an electrical malfunction in the house’s wiring. Despite their different nature both conditions can have severe consequences and require immediate medical attention.<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/229633/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/michael-todorovic-1210507">Michael Todorovic</a>, Associate Professor of Medicine, <a href="https://theconversation.com/institutions/bond-university-863">Bond University</a> and <a href="https://theconversation.com/profiles/matthew-barton-1184088">Matthew Barton</a>, Senior lecturer, School of Nursing and Midwifery, <a href="https://theconversation.com/institutions/griffith-university-828">Griffith University</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/whats-the-difference-between-a-heart-attack-and-cardiac-arrest-ones-about-plumbing-the-other-wiring-229633">original article</a>. </div>

Body

Constipation increases your risk of a heart attack, new study finds – and not just on the toilet

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/vincent-ho-141549">Vincent Ho</a>, <a href="https://theconversation.com/institutions/western-sydney-university-1092">Western Sydney University</a> If you Google the terms “constipation” and “heart attack” it’s not long before the name Elvis Presley crops up. Elvis had a longstanding history of chronic constipation and <a href="https://www.pbs.org/newshour/health/elvis-addiction-was-the-perfect-prescription-for-an-early-death">it’s believed</a> he was straining very hard to poo, which then led to a fatal heart attack. We don’t know what really happened to the so-called King of Rock “n” Roll back in 1977. There were likely several contributing factors to his death, and this theory is one of many. But after this famous case researchers took a strong interest in the link between constipation and the risk of a heart attack. This includes a recent <a href="https://journals.physiology.org/doi/abs/10.1152/ajpheart.00519.2024">study</a> led by Australian researchers involving data from thousands of people. <h2>Are constipation and heart attacks linked?</h2> Large <a href="https://www.nature.com/articles/s41598-023-38068-y">population</a> <a href="https://pubmed.ncbi.nlm.nih.gov/32873621/">studies</a> show constipation is linked to an increased risk of heart attacks. For example, an <a href="https://www.nature.com/articles/s41598-023-38068-y">Australian study</a> involved more than 540,000 people over 60 in hospital for a range of conditions. It found constipated patients had a higher risk of high blood pressure, heart attacks and strokes compared to non-constipated patients of the same age. A <a href="https://pubmed.ncbi.nlm.nih.gov/32873621/">Danish study</a> of more than 900,000 people from hospitals and hospital outpatient clinics also found that people who were constipated had an increased risk of heart attacks and strokes. It was unclear, however, if this relationship between constipation and an increased risk of heart attacks and strokes would hold true for healthy people outside hospital. These Australian and Danish studies also did not factor in the effects of drugs used to treat high blood pressure (hypertension), which can make you constipated. <h2>How about this new study?</h2> The recent <a href="https://journals.physiology.org/doi/abs/10.1152/ajpheart.00519.2024">international study</a> led by Monash University researchers found a connection between constipation and an increased risk of heart attacks, strokes and heart failure in a general population. The researchers analysed data from the <a href="https://www.ukbiobank.ac.uk">UK Biobank</a>, a database of health-related information from about half a million people in the United Kingdom. The researchers identified more than 23,000 cases of constipation and accounted for the effect of drugs to treat high blood pressure, which can lead to constipation. People with constipation (identified through medical records or via a questionnaire) were twice as likely to have a heart attack, stroke or heart failure as those without constipation. The researchers found a strong link between high blood pressure and constipation. Individuals with hypertension who were also constipated had a 34% increased risk of a major heart event compared to those with just hypertension. The study only looked at the data from people of European ancestry. However, there is good reason to believe the link between constipation and heart attacks applies to other populations. A <a href="https://pubmed.ncbi.nlm.nih.gov/26812003/">Japanese study</a> looked at more than 45,000 men and women in the general population. It found people passing a bowel motion once every two to three days had a higher risk of dying from heart disease compared with ones who passed at least one bowel motion a day. <h2>How might constipation cause a heart attack?</h2> Chronic constipation can lead to straining when passing a stool. This can result in <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC8030287/">laboured breathing</a> and can lead to a rise in blood pressure. In <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC8030287/">one Japanese study</a> including ten elderly people, blood pressure was high just before passing a bowel motion and continued to rise during the bowel motion. This increase in blood pressure lasted for an hour afterwards, a pattern not seen in younger Japanese people. <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC8030287/">One theory</a> is that older people have stiffer blood vessels due to atherosclerosis (thickening or hardening of the arteries caused by a build-up of plaque) and other age-related changes. So their high blood pressure can persist for some time after straining. But the blood pressure of younger people returns quickly to normal as they have more elastic blood vessels. As blood pressure rises, the risk of heart disease increases. The risk of developing heart disease <a href="https://pubmed.ncbi.nlm.nih.gov/12493255/">doubles</a> when systolic blood pressure (the top number in your blood pressure reading) rises permanently by 20 mmHg (millimetres of mercury, a standard measure of blood pressure). The systolic blood pressure rise with straining in passing a stool has been <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC8030287/">reported to be</a> as high as 70 mmHg. This rise is only temporary but with persistent straining in chronic constipation this could lead to an increased risk of heart attacks. <a href="https://pubmed.ncbi.nlm.nih.gov/22256893/">Some people</a> with chronic constipation may have an impaired function of their vagus nerve, which controls various bodily functions, including digestion, heart rate and breathing. This impaired function can result in abnormalities of heart rate and over-activation of the flight-fight response. This can, in turn, lead to elevated blood pressure. Another intriguing avenue of <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC6399019/">research</a> examines the imbalance in gut bacteria in people with <a href="https://pubmed.ncbi.nlm.nih.gov/3596341/">constipation</a>. This imbalance, known as dysbiosis, can result in microbes and other substances leaking through the gut barrier into the bloodstream and triggering an immune response. This, in turn, can lead to low-grade inflammation in the blood circulation and arteries becoming stiffer, increasing the risk of a heart attack. This latest study also explored genetic links between constipation and heart disease. The researchers found shared genetic factors that underlie both constipation and heart disease. <h2>What can we do about this?</h2> Constipation affects around <a href="https://pubmed.ncbi.nlm.nih.gov/36826591/">19% of the global population</a> aged 60 and older. So there is a substantial portion of the population at an increased risk of heart disease due to their bowel health. Managing chronic constipation through dietary changes (particularly increased dietary fibre), increased physical activity, ensuring adequate hydration and using medications, if necessary, are all important ways to help improve bowel function and reduce the risk of heart disease.<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/237209/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/vincent-ho-141549">Vincent Ho</a>, Associate Professor and clinical academic gastroenterologist, <a href="https://theconversation.com/institutions/western-sydney-university-1092">Western Sydney University</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/constipation-increases-your-risk-of-a-heart-attack-new-study-finds-and-not-just-on-the-toilet-237209">original article</a>. </div>

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"My heart is broken": Mariah Carey reveals sad double tragedy

Mariah Carey has revealed a devastating double tragedy, as both her mother and sister passed away on the same day. In a heartbreaking statement to <a href="https://people.com/mariah-carey-mom-patricia-sister-alison-both-died-same-day-exclusive-8701561" target="_blank" rel="noopener">People</a>, the singer announced the deaths of her mum Patricia, 87, and sister Alison, 63, who died over the weekend. Carey's statement read, "My heart is broken that I've lost my mother this past weekend. Sadly, in a tragic turn of events, my sister lost her life on the same day." "I feel blessed that I was able to spend the last week with my mom before she passed." "I appreciate everyone's love and support and respect for my privacy during this impossible time." No cause of death has been revealed for either member of the family. Carey famously had a turbulent relationship with her mother and sister over the years, and was estranged from Alison for three decades before her untimely death. In 2016, Alison, who was a recovering drug addict, made a plea to her famous sister through the Daily Mail to ask for support, saying, "Mariah I love you, I desperately need your help." As well as substance abuse, Alison endured homelessness throughout her life and tested positive for the HIV virus. Mariah opened up about complicated relationships with her mom and sister in her 2020 memoir, The Meaning Of Mariah Carey. "Like many aspects of my life, my journey with my mother has been full of contradictions and competing realities. It's never been only black-and-white — it's been a whole rainbow of emotions," she explained. She said their relationship was a "prickly rope of pride, pain, shame, gratitude, jealousy, admiration, and disappointment", however the book was still dedicated to Patricia. "And to Pat, my mother, who, through it all, I do believe actually did the best she could," the singer penned in the dedication. "I will love you the best I can, always." Image credits: Paul Archuleta/Shutterstock Editorial

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From maxing out to slowing down, how much do heart rates vary across sports?

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/theresa-larkin-952095">Theresa Larkin</a>, <a href="https://theconversation.com/institutions/university-of-wollongong-711">University of Wollongong</a> and <a href="https://theconversation.com/profiles/gregory-peoples-1556509">Gregory Peoples</a>, <a href="https://theconversation.com/institutions/university-of-wollongong-711">University of Wollongong</a> A classic image of the Olympics and Paralympics is an athlete at the end of a race struggling for breath, their heart obviously racing. But at the other end of the scale are athletes such as archers and shooters, who need to slow their heart rates down as much as possible. Athletes in speed and endurance events regularly push their heart rate to the maximum. But these athletes usually have low heart rates at rest. What causes our heart rates and respiratory (breathing) rates to change so much, and is this healthy? <h2>When heart rates and respiratory rates rise</h2> If you are still and calm as you read this, your heart is probably beating 60–100 times per minute and you are likely breathing 12–20 times per minute. These are the <a href="https://theconversation.com/what-should-my-heart-rate-be-and-what-affects-it-98945">normal ranges for a resting adult</a>. During physical activity when muscles are contracting, the muscles need more oxygen to provide them with energy to work. To deliver this extra oxygen (<a href="https://theconversation.com/curious-kids-why-is-blood-red-229121#:%7E:text=Haemoglobin%20is%20like%20a%20red,oxygen%2C%20our%20blood%20is%20red.">carried in our blood</a>), our heart pumps blood faster. In other words, our heart rate increases. We also breathe faster to get more oxygen into our lungs to be delivered to the exercising muscles. <figure><iframe src="https://www.youtube.com/embed/3YOap5k0R_8?wmode=transparent&start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe><figcaption>Your resting heart rate can tell you plenty about your health and fitness.</figcaption></figure> <h2>How fast can our heart rate get during exercise?</h2> Aerobic means “with oxygen”. In <a href="https://my.clevelandclinic.org/health/articles/7050-aerobic-exercise">aerobic exercise</a> (“cardio”) you use large muscles repetitively and rhythmically. For example, walking, running, cycling, swimming and rowing. Muscles that are contracting during aerobic exercise use a lot of energy and need ten times <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC4551211/">more oxygen than at rest</a>. High intensity aerobic events that involve large muscles or the entire body cause the highest heart rates. An <a href="https://www.heartonline.org.au/resources/calculators/target-heart-rate-calculator">estimate</a> of maximum heart rate (beats per minute) is 220 minus your age. This equates to 195 beats per minute for a 25-year-old – close to the average age of the Australian Olympic team of 26.5 years. Athletes competing in Olympic events of endurance or speed will reach their maximum heart rate. You can usually only maintain maximum heart rate for a few minutes. But in a 2000-metre rowing race, the rowers maintain intense effort at close to maximum heart rate for 6–8 minutes. This is one of the toughest events for the heart. It’s no wonder rowers often collapse in the boat <a href="https://www.bbc.com/news/uk-england-cambridgeshire-68731840">as they cross the finish line</a>. Highly trained endurance athletes can have a maximum heart rate higher than expected for their age. <a href="https://olympics.com/en/athletes/eliud-kipchoge">Eliud Kipchoge</a> from Kenya is considered the greatest marathon runner of all time. During his <a href="https://au.coros.com/stories?world-record">world record run</a> in the 2022 Berlin marathon, he ran with a heart rate of around 180 beats per minute for almost the entire race. <h2>How does breathing change with exercise?</h2> Our breathing changes with exercise to increase oxygen uptake from the air. At low-to-moderate intensity exercise, you start to take deeper breaths. This brings in more air and oxygen with each breath. However, there is a limit to how much the chest can expand. With higher intensity exercise, respiratory rate increases to increase oxygen intake. Elite athletes can breathe <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC4818249/">more than 50 times</a> per minute. This is driven by <a href="https://theconversation.com/what-is-breathwork-and-do-i-need-to-do-it-231192">our diaphragm</a>, the most important muscle of breathing. <a href="https://www.abc.net.au/news/2024-07-28/paris-olympics-grace-brown-cycling-gold-medal-australia/104151466">Grace Brown</a>, Olympic gold medal cyclist in Paris, <a href="https://inscyd.com/article/grace-brown-olympic-gold-physiology/">breathes close to a maximal oxygen uptake</a> when she is cycling at high intensity. <h2>Some athletes need to slow things down</h2> Archery and shooting athletes perform better with a lower heart rate. They time their shots to be <a href="https://pubmed.ncbi.nlm.nih.gov/3580727/#:%7E:text=Results%20showed%20that%20the%20champion,both%20during%20diastole%20and%20systole">between heart beats</a> when the body is the most still. This is easier with a slower heart rate, with more time between beats. Archers consciously lower their heart rate <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC6441821/">prior to shooting</a> by <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC6721071/">slowing their breathing</a>. Other Olympians use <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC10224217/#:%7E:text=For%20practicing%20slow%20and%20deep,minutes%20before%20starting%20the%20exercise.">breathing techniques</a> to calm pre-race anticipation and high heart rates. Slowing the breath, <a href="https://theconversation.com/what-is-breathwork-and-do-i-need-to-do-it-231192">especially the exhale</a>, is the best way to lower your heart rate. Beta-blockers also reduce heart rate, by blocking adrenaline. This is why they are on the <a href="https://www.wada-ama.org/en/prohibited-list">prohibited substances list</a> of the World Anti-Doping Agency. <h2>What about resting heart rates?</h2> Athletes often have a <a href="https://www.health.harvard.edu/heart-health/is-a-low-heart-rate-worrisome">low resting heart rate</a>, around 40-50 beats per minute, and slower during sleep. Some are even lower – five time Tour de France winner Miguel Indurain famously had a resting heart rate of <a href="https://www.cyclingweekly.com/fitness/miguel-indurain-vs-your-body-34288">28 beats per minute</a>. Legendary US swimmer Michael Phelps is the <a href="https://olympics.com/en/news/michael-phelps-olympic-medals-record-how-many-gold-swimmer-world-record">most successful Olympian</a> of all time – he had a resting heart rate of <a href="https://www.reanfoundation.org/low-resting-heart-rate-and-lifespan/#:%7E:text=Studies%20on%20Athletes%20and%20Low%20Resting%20Heart%20Rate&text=It%20could%20also%20hint%20at,BPM%20throughout%20his%20professional%20career">less than 40 beats per minute</a>. Regular moderate-to-vigorous intensity aerobic exercise makes the <a href="https://www.medicalnewstoday.com/articles/athletes-heart-rate">heart stronger and more efficient</a>. A stronger heart pumps more blood per beat, which means it doesn’t need to beat as often. Exercise also <a href="https://pubmed.ncbi.nlm.nih.gov/12477376/">increases vagus nerve</a> activity to the heart and <a href="https://www.nature.com/articles/ncomms4775">slows down</a> the heart’s pacemaker cells. These both reduce heart rate. <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC6306777/">A large review</a> found endurance training and yoga were the best exercises to reduce resting heart rate. But training needs to be maintained to keep resting heart rate low. When elite athletes reduced their training volume by half during COVID lockdown, their <a href="https://www.mdpi.com/2071-1050/13/5/2970">resting heart rate increased</a>. <h2>What does this mean for our health?</h2> A slower resting heart rate is linked to <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC6306777/">longer life expectancy and reduced death from cardiovascular disease</a>. Indeed, <a href="https://bjsm.bmj.com/content/55/4/206">a study</a> of more than 8,000 Olympians from the United States found they lived longer than the general population. So it is healthy to do activities that increase your heart rate in the short-term, whether as an Olympian or Paralympian competing, or a fan with your heart racing watching a gold medal event.<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/235594/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/theresa-larkin-952095">Theresa Larkin</a>, Associate professor of Medical Sciences, <a href="https://theconversation.com/institutions/university-of-wollongong-711">University of Wollongong</a> and <a href="https://theconversation.com/profiles/gregory-peoples-1556509">Gregory Peoples</a>, Senior Lecturer - Physiology, <a href="https://theconversation.com/institutions/university-of-wollongong-711">University of Wollongong</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/from-maxing-out-to-slowing-down-how-much-do-heart-rates-vary-across-sports-235594">original article</a>. </div>

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