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Aussie family's refusal to sell family home could land them a $60m fortune

<p>An Aussie family that repeatedly said no to selling their much-loved family home to developers could land them a $60million in Australia's booming property market, but the defiant family refuses to sell. </p> <p>A year ago, the Zammit family from Quakers Hill in Sydney's north west caught worldwide attention when they refused to sell their 20,000 sqm parcel of land to developers who had purchased all the other land around them. </p> <p>The family received offers of up to $50m to sell their home to complete the new development named The Ponds, but they refused to sell. </p> <p>That didn't deter developers who are still offering the owners a massive amount of cash to sell their homes, with offers reportedly around $60m now, meaning the family have earned another $10m or 20 per cent over the past year. </p> <p>According to PropTrack home prices in Quakers Hill have risen by 8.5 per cent over the past 12 months, meaning that the Zammits would have earned at least another $4.25 million.</p> <p>The median price of a home in Quakers hill is now at $1.172m, around a decade ago it was $700,000.</p> <p>Last year, one of the property owners, Diane Zammit, 50, told <em>news.com.au</em> that the neighbourhood used to be “farmland dotted with little red brick homes and cottages." </p> <p>“Every home was unique and there was so much space – but not any more. It’s just not the same,” she said.</p> <p>It is estimated that 50 houses could fit on the block of land if they chose to sell, but some of their neighbours reportedly don't want them to, as they like living in a cul-de-sac. </p> <p>Ray White Quakers Hill agent Taylor Bredin previously praised the family for staying put. </p> <p>“The fact that most people sold out years and years ago, these guys have held on. All credit to them," he told <em>7News</em>.</p> <p>“Depending on how far you push the development plan, you’d be able to push anywhere from 40 to 50 properties on something like this, and when subdivided, a 300 square metre block would get a million dollars.”</p> <p><em>Images: Channel 7</em></p>

Money & Banking

Offering end of life support as part of home care is important – but may face some challenges

<div class="theconversation-article-body"> <p><em><a href="https://theconversation.com/profiles/jennifer-tieman-378102">Jennifer Tieman</a>, <a href="https://theconversation.com/institutions/flinders-university-972">Flinders University</a></em></p> <p>Earlier this month, the government announced <a href="https://theconversation.com/the-government-has-a-new-plan-for-residential-aged-care-heres-whats-changing-238765">major changes</a> to aged care in Australia, including a A$4.3 billion <a href="https://theconversation.com/what-the-governments-home-care-changes-mean-for-ageing-australians-238890">investment in home care</a>.</p> <p>Alongside a shake up of home care packages, the Support at Home program will include an important addition – an <a href="https://www.health.gov.au/sites/default/files/2024-09/support-at-home-fact-sheet.pdf">end of life pathway</a> for older Australians.</p> <p>This pathway will allow access to a <a href="https://www.health.gov.au/our-work/support-at-home/features">higher level</a> of in-home aged care services to help Australians stay at home as they come to the end of their life. Specifically, it will provide an extra A$25,000 for palliative support when a person has three months or less left to live.</p> <p>This is a positive change. But there may be some challenges to implementing it.</p> <h2>Why is this important?</h2> <p>Older people have made clear their preference to remain in their homes as they age. For <a href="https://journals.sagepub.com/doi/10.1177/0269216313487940">most people</a>, home is where they would like to be during their last months of life. The space is personal, familiar and comforting.</p> <p>However, data from the <a href="https://www.abs.gov.au/statistics/research/classifying-place-death-australian-mortality-statistics">Australian Bureau of Statistics</a> shows most people who die between the ages of 65 and 84 die in hospital, while most people aged 85 and older die in residential aged care.</p> <p>This apparent gap may reflect a lack of appropriate services. Both palliative care services and GPs have an important role in providing medical care to people living at home with a terminal illness. However, being able to <a href="https://grattan.edu.au/wp-content/uploads/2014/09/815-dying-well.pdf">die at home</a> relies on the availability of ongoing support including hands-on care and assistance with daily living.</p> <p>Family members and friends often provide this support, but this is not always possible. Even when it is, carers may <a href="https://pubmed.ncbi.nlm.nih.gov/38533612/">lack confidence and skills</a> to provide the necessary care, and may not have enough support for and respite from their carer role.</p> <p>The palliative care funding offered within Support at Home should help an older person to remain at home and die at home, if that is their preference.</p> <p>Unless someone dies suddenly, care needs are likely to increase at the end of a person’s life. Supports at home may involve help with showering and toileting, assessing and addressing symptoms, developing care plans, managing medications, wound dressing, domestic tasks, preparing meals, and communicating with the person’s family.</p> <p>Occupational therapists and physiotherapists can assist with equipment requirements and suggest home modifications.</p> <p>End of life supports may also involve clarifying goals of care, contacting services such as pharmacists for medications or equipment, liaising with organisations about financial matters, respite care or funeral planning, as well as acknowledging grief and offering spiritual care.</p> <p>But we don’t know yet exactly what services the $25,000 will go towards.</p> <h2>What do we know about the scheme so far?</h2> <p>The Support at Home program, including the end of life pathway, is scheduled to start from <a href="https://www.health.gov.au/sites/default/files/2024-09/support-at-home-fact-sheet.pdf">July 1 2025</a>.</p> <p>We know the funding is linked to a prognosis of three months or less to live, which will be determined <a href="https://www.abc.net.au/news/2024-09-15/new-payment-aims-to-make-it-easier-for-people-to-die-at-home/104347984">by a doctor</a>.</p> <p>Further information has indicated that an older person can be referred to a <a href="https://www.health.gov.au/our-work/support-at-home/features">high-priority assessment</a> to access the end of life pathway. We don’t know yet what this means, however they don’t need to be an existing Support at Home participant to be eligible.</p> <p>The pathway will allow 16 weeks to use the funds, possibly to provide some leeway around the three-month timeline.</p> <p>Although more details are coming to light, there are still some things which remain unclear.</p> <p>Home care providers will be looking for details on what can be covered by this funding and how they will work alongside primary care providers and health-care services.</p> <p>Older people and their families will want to know the processes to apply for this funding and how long applications will take to be reviewed.</p> <p>Everyone will want to know what happens if the person doesn’t die within three months.</p> <h2>Some challenges</h2> <p>Ready availability of appropriate supports and services will be crucial for older people accessing this pathway. Home care providers will therefore need to assess how an end of life pathway fits into their operational activities and how they can build the necessary skills and capacity.</p> <p>Demand for nurses with palliative care skills and allied health professionals is likely to increase. Providing end of life care can be <a href="https://pubmed.ncbi.nlm.nih.gov/33096682/">especially taxing</a> so strategies will be needed to prevent staff burnout and encourage self-care.</p> <p>How pathways are implemented in rural and remote areas and in different cultural and community groups will need to be monitored to ensure all older people benefit.</p> <p>Effective coordination and communication between home care, primary care and specialist palliative providers care will be key. Digital health systems that connect the sectors could be helpful. Family engagement will also be very important.</p> <p>Escalation pathways and referral pathways should be established to enable appropriate responses to emergencies, unexpected deterioration, and family distress.</p> <p>Finally, <a href="https://bmcpalliatcare.biomedcentral.com/articles/10.1186/s12904-023-01155-y">accurately determining</a> when someone will die can be difficult. Knowing when the last three months of life starts may not be easy, particularly where frailty, cognitive issues and multiple health concerns may be present.</p> <p>This might mean some people are not seen as being ready for this pathway. Others may not be willing to accept this prognosis. An older person may also be expected to live with a terminal illness for many months or years. Their palliative care needs would not be met under this pathway.</p> <p>Despite these challenges, the announcement of an end of life pathway within the home care program is timely and welcome. As a population we are living longer and dying older. More details will help us be better prepared to implement this scheme.<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/239296/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em><a href="https://theconversation.com/profiles/jennifer-tieman-378102">Jennifer Tieman</a>, Matthew Flinders Professor and Director of the Research Centre for Palliative Care, Death and Dying, <a href="https://theconversation.com/institutions/flinders-university-972">Flinders University</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/offering-end-of-life-support-as-part-of-home-care-is-important-but-may-face-some-challenges-239296">original article</a>.</em></p> </div>

Retirement Life

Transforming homes and lives: The rise of Compact Home Lifts

<p>In an era where ageing in place has become increasingly important, homeowners are constantly looking for clever solutions to maintain their independence and comfort. Enter the game-changing alternative to traditional stairlifts: <a href="https://compactlifts.com.au/" target="_blank" rel="noopener">Compact Home Lifts</a>.</p> <p>These sleek and discreet elevators are revolutionising how people navigate their multi-storey homes, offering a perfect blend of functionality, style and peace of mind.</p> <p>For anyone considering home mobility solutions, Compact Home Lifts present a compelling case. Unlike bulky stairlifts that can radically alter the appearance of existing staircases, these lifts occupy less than a square metre of floor space, seamlessly integrating into almost any room of your house.</p> <p>But the real beauty lies in their versatility and minimal impact on your home's aesthetics. One of the most attractive features of these lifts is their self-supporting design. With no need for structural walls, installation is neat and non-invasive, preserving the integrity of your home.</p> <p>The fully contained motor and self-supporting rails ensure that the lift can be installed with minimal disruption to your daily life. Any concerns about energy consumption are quickly dispelled too when you learn that these lifts plug into a standard socket and use less power than boiling a kettle!</p> <p>This energy efficiency not only makes them environmentally friendly but also keeps operating costs low.</p> <h2><strong>Planning for the future</strong></h2> <p>While some homeowners may require a home lift immediately due to mobility issues, others are taking a proactive approach. By installing a Compact Home Lift, they’re future-proofing their homes, ensuring they can continue to enjoy their beloved space for years to come. This forward-thinking strategy eliminates the need for costly and emotionally taxing moves or extensive home renovations to accommodate single-floor living.</p> <h2><strong>Customer satisfaction and expert installation</strong></h2> <p>Compact Home Lifts has garnered an exceptional reputation, boasting impressive ratings from customers on Google. Their dedicated team of expert installers ensures that both homeowners and their properties are treated with the utmost care and professionalism.</p> <p>One satisfied customer, Kenneth S, shared his experience in August 2024, writing: “Cannot say enough good things about the team at Compact Home Lifts. They have been wonderful in every stage (including post installation). If you need a home lift, I recommend these guys.”</p> <h2><strong>Tailored solutions and expert advice</strong></h2> <p>Understanding that each home and homeowner's needs are unique, Compact Home Lifts offers personalised consultations. Their experts visit your property to help determine the optimal location for your lift and address any questions or concerns you may have. This tailored approach ensures that you receive a solution that perfectly fits your home and lifestyle.</p> <p><img src="https://oversixtydev.blob.core.windows.net/media/2024/09/Article-Image-Body-3-Wheelchair-1280.jpg" alt="" width="1280" height="720" /></p> <p>As Australia’s number one small home lift provider, Compact Home Lifts stands out with its rapid service, cost-effective solutions and small footprint designs. They offer a range of models, including wheelchair-accessible options, catering to diverse mobility needs.</p> <p>Perhaps one of the most reassuring aspects of choosing Compact Home Lifts is their commitment to quality and customer satisfaction. Each installation comes with a 7-year warranty, providing homeowners with long-term peace of mind (T&Cs apply).</p> <h2><strong>Embracing independence and comfort</strong></h2> <p>By choosing a Compact Home Lift, homeowners aren’t just investing in a mobility solution; they're investing in their future independence and quality of life. These lifts offer the freedom to move safely between floors, maintaining access to all areas of your home without the need for assistance.</p> <p>Compact Home Lifts represent a significant leap forward in home mobility solutions. They offer a perfect balance of functionality, aesthetics and peace of mind, allowing homeowners to continue enjoying the homes they love for years to come.</p> <p>As we look to the future of ageing in place, it's clear that these innovative lifts will play a crucial role in maintaining independence and enhancing the quality of life for countless individuals.</p> <p>For more information, watch the video below or visit the <a href="https://compactlifts.com.au/" target="_blank" rel="noopener">Compact Home Lifts</a> website.</p> <p><iframe title="YouTube video player" src="https://www.youtube.com/embed/5TQEcW-lNe4?si=DonQNooUcOkadDdR" width="560" height="315" frameborder="0" allowfullscreen="allowfullscreen"></iframe></p> <p><em>This is a sponsored article produced in partnership with Compact Home Lifts.</em></p> <p> </p>

Home & Garden

Is it worth selling my house if I’m going into aged care?

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/colin-zhang-1234147">Colin Zhang</a>, <a href="https://theconversation.com/institutions/macquarie-university-1174">Macquarie University</a></em></p> <p>For senior Australians who cannot live independently at home, residential aged care can provide accommodation, personal care and general health care.</p> <p>People usually think this is expensive. And many assume they need to sell their home to pay for a lump-sum deposit.</p> <p>But that’s not necessarily the case. Here’s what you need to consider.</p> <h2>You may get some financial support</h2> <p>Fees for residential aged care are complex and can be confusing. Some are for your daily care, some are means-tested, some are for your accommodation and some pay for extras, such as cable TV.</p> <p>But it’s easier to think of these fees as falling into two categories:</p> <ul> <li> <p>an “entry deposit”, which is usually more than <a href="https://www.health.gov.au/sites/default/files/documents/2020/06/eighth-report-on-the-funding-and-financing-of-the-aged-care-industry-july-2020-eighth-report-on-the-funding-and-financing-of-the-aged-care-industry-may-2020.pdf">$A300,000</a>, and is refunded when you leave aged care</p> </li> <li> <p>daily “<a href="https://www.myagedcare.gov.au/aged-care-home-costs-and-fees">ongoing fees</a>”, which are $52.71-$300 a day, or more. These cover the basic daily fee, which everyone pays, and the means-tested care fee.</p> </li> </ul> <p>To find out how much government support you’ll receive for both these categories, you will have a “<a href="https://www.myagedcare.gov.au/income-and-means-assessments/#aged-care-home">means test</a>” to assess your income and assets. This means test is similar (but different) to the means test for the aged pension.</p> <p>Generally speaking, the lower your aged-care means test amount, the more government support you’ll receive for aged care.</p> <p>With full support, you don’t need to pay an “entry deposit”. But you still need to pay the basic daily fee (currently, <a href="https://www.myagedcare.gov.au/aged-care-home-costs-and-fees">$52.71</a> a day), equivalent to 85% of your aged pension. If you get partial support, you pay less for your “entry deposit” and ongoing fees.</p> <h2>You don’t need a lump sum</h2> <p>You don’t have to pay for your “entry deposit” as a lump sum. You can choose to pay a rental-style daily cost instead.</p> <p>This is calculated as follows: you multiply the amount of the required “entry deposit” by the maximum permissible interest rate. This rate is set by government and is currently at <a href="https://www.health.gov.au/sites/default/files/documents/2021/03/schedule-of-fees-and-charges-for-residential-and-home-care-schedule-from-20-march-2021_0.pdf">4.01%</a> per year for new residents. Then you divide that sum by 365 to give a daily rate. This option is like borrowing money to pay for your “entry deposit” via an interest-only loan.</p> <p>You can also pay for your “entry deposit” with a combination of a lump sum and a daily rental cost.</p> <p>As it’s not compulsory to pay a lump sum for your “entry deposit”, you have different options for dealing with your family home.</p> <h2>Option 1: keep your house and rent it out</h2> <p>This allows you to use the rental-style daily cost to finance your “entry deposit”.</p> <p><strong>Pros</strong></p> <ul> <li> <p>you could have more income from rent. This can help pay for the rental-style daily cost and “ongoing fees” of aged care</p> </li> <li> <p>you might have a special sentimental attachment to your family house. So keeping it might be a less confronting option</p> </li> <li> <p>keeping an expensive family house will not heavily impact your residential aged care cost. That’s because any value of your family house above <a href="https://www.health.gov.au/sites/default/files/documents/2021/03/schedule-of-fees-and-charges-for-residential-and-home-care-schedule-from-20-march-2021_0.pdf">$173,075.20</a> will be excluded from your <a href="https://www.servicesaustralia.gov.au/organisations/health-professionals/services/aged-care-entry-requirements-providers/residential-care/residential-aged-care-means-assessment">means test</a></p> </li> <li> <p>you can still access the capital gains of your house, as house prices rise.</p> </li> </ul> <p><strong>Cons</strong></p> <ul> <li> <p>your rental income needs to be included in the means test for your aged pension. So you might get less aged pension</p> </li> <li> <p>you might need to pay income tax on the rental income</p> </li> <li> <p>compared to the lump sum payment, choosing the rental-style daily cost means you will end up <a href="https://www.smh.com.au/money/super-and-retirement/seek-help-when-weighing-up-how-to-pay-for-your-aged-care-20191202-p53g16.html">paying more</a></p> </li> <li> <p>you are subject to a changing rental market.</p> </li> </ul> <h2>Option 2: keep your house and rent it out, with a twist</h2> <p>If you have some savings, you can use a combination of a lump sum and daily rental cost to pay for your “entry deposit”.</p> <p><strong>Pros</strong></p> <ul> <li> <p>like option 1, you can keep your house and have a steady income</p> </li> <li> <p>the amount of lump sum deposit will not be counted as an asset in the pension means test.</p> </li> </ul> <p><strong>Cons</strong></p> <ul> <li> <p>like option 1, you could have less pension income, higher age-care costs and need to pay more income tax</p> </li> <li> <p>you have less liquid assets (assets you could quickly sell or access), which could be handy in an emergency.</p> </li> </ul> <h2>Option 3: sell your house</h2> <p>If you sell your house, you can use all or part of the proceeds to pay for your “entry deposit”.</p> <p><strong>Pros</strong></p> <ul> <li> <p>if you have any money left over after selling your house and paying for your “entry deposit”, you can invest the rest</p> </li> <li> <p>as your “entry deposit” is exempt from your aged pension means test, it means more pension income.</p> </li> </ul> <p><strong>Cons</strong></p> <ul> <li>if you have money left over after selling your house, this will be included in the aged-care means test. So you can end up with less financial support for aged care.</li> </ul> <h2>In a nutshell</h2> <p>Keeping your house and renting it out (option 1 or 2) can give you a better income stream, which you can use to cover other living costs. And if you’re not concerned about having access to liquid assets in an emergency, option 2 can be better for you than option 1.</p> <p>But selling your house (option 3) avoids you being exposed to a changing rental market, particularly if the economy is going into recession. It also gives you more capital, and you don’t need to pay a rental-style daily cost.</p> <hr /> <p><em>This article is general in nature, and should not be considered financial advice. For advice tailored to your individual situation and your personal finances, please see a qualified financial planner.</em></p> <p><em>Correction: this article previously stated the amount of lump sum deposit will not be counted as an asset in the aged-care means test, as a pro of option 2. In fact, the amount of lump sum deposit will not be counted as an asset in the pension means test.</em><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/161674/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><a href="https://theconversation.com/profiles/colin-zhang-1234147"><em>Colin Zhang</em></a><em>, Lecturer, Department of Actuarial Studies and Business Analytics, <a href="https://theconversation.com/institutions/macquarie-university-1174">Macquarie University</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/is-it-worth-selling-my-house-if-im-going-into-aged-care-161674">original article</a>.</em></p> </div>

Retirement Income

Jamie Durie returns to Aussie TV with new show featuring his family

<p>Jamie Durie is set to return to Aussie TV screens with his new renovation show, <em>Growing Home</em>, and this time it will feature his young family. </p> <p>The international award-winning landscape designer and seven-time Logie-winning host of shows such as<em> Backyard Blitz</em>,<em> The Block</em> and many more, will showcase his skills through the process of building a sustainable and luxury dream home for, and with his family. </p> <p>“After 26 years making TV shows all over the world, this is the show I’ve always wanted to make. And if we’re creating a show around sustainability, then my family and I need to do it first and practise what we preach,” he said in an interview for <em>Better Homes and Gardens</em>.</p> <p>Durie has called this the biggest challenge of his career. </p> <p>It’s been “five long years of planning and researching the most eco-friendly partners, methods and technologies we can find, and we’re finally ready to build this house,” Durie said. </p> <p>Durie will film alongside his wife singer/songwriter Ameka Jane, who is equally committed to sharing real-life stories with the world, and creating a more authentic life. </p> <p>“I think there is a common misconception that ‘sustainable’ or ‘eco-friendly’ means that it’s complicated or that we have to compromise on style and function,” Jane said. </p> <p> “We want to show Australia how easy and accessible it is to create a green home on any scale. Small changes can make a big impact. I was a green novice at the start of this mission, so if I can do it, anyone can.”</p> <p>Their two kids, three-year-old daughter Beau and 18-month-old son Nash, will also make appearances on the show. </p> <p><em>Growing Home </em>aims to show an honest depiction of the struggles and accomplishments of building in the Northern Beaches, while educating on sustainability and what a greener future for Australia could look like. </p> <p>While no exact date has been released for the show, it is set to air soon on Channel 7 and 7Plus. </p> <p>You can watch a teaser for the show <a href="https://www.growinghomewithjamiedurie.com.au/" target="_blank" rel="noopener">here</a>. </p> <p><em>Images: Instagram/ Growing Home with Jamie Durie</em></p>

Young homeowners are more likely to use their home as an ‘ATM’ than their Boomer parents. Here’s why

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/rachel-ong-viforj-113482">Rachel Ong ViforJ</a>, <a href="https://theconversation.com/institutions/curtin-university-873">Curtin University</a> and <a href="https://theconversation.com/profiles/christopher-phelps-378137">Christopher Phelps</a>, <a href="https://theconversation.com/institutions/curtin-university-873">Curtin University</a></em></p> <p>For many Australians, the family home is their largest financial asset. With an increasing variety of ways to tap into home equity, the temptation to access this wealth is ever growing.</p> <p>Homeowners increase the debt owed on their home when they borrow against their <a href="https://doi.org/10.1080/02673037.2013.783202">equity</a>. Standard mortgage home loans now provide facilities for relatively cheap or free withdrawals of equity from the home.</p> <p>This turns the <a href="https://theconversation.com/your-home-as-an-atm-home-equity-a-risky-welfare-tool-22000">home into an ATM</a>, which borrowers can access when they choose.</p> <p>Our new <a href="https://doi.org/10.1080/02673037.2024.2400158">study</a> asks what motivates Australians to tap into their home equity, and how does this behaviour change with age?</p> <p>Surprisingly, despite having much lower housing equity levels, younger homeowners borrow often, and borrow more, than their Boomer parents.</p> <h2>How common is equity borrowing?</h2> <p>Using 15 years of data from the government-funded <a href="https://melbourneinstitute.unimelb.edu.au/hilda">Household, Income and Labour Dynamics in Australia </a>(HILDA) survey, we tracked the mortgage debt and repayments of homeowners aged 35 and over.</p> <p>The chart below shows younger owners are far more likely to engage in equity borrowing.</p> <p>In 2006, nearly 39% of the youngest homeowners, aged 35–44, borrowed against their home equity. By 2021, this number had dropped to 29%. Despite the decline, it’s still 24 percentage points more common than those aged 65 and over. The older group has remained steady at about 5% over the years.</p> <hr /> <p><iframe id="Ll9Cw" class="tc-infographic-datawrapper" style="border: 0;" src="https://datawrapper.dwcdn.net/Ll9Cw/" width="100%" height="400px" frameborder="0" scrolling="no"></iframe></p> <hr /> <h2>How much do equity borrowers withdraw from their home?</h2> <p>Among those who use their home like an ATM, younger borrowers now withdraw larger amounts than older borrowers.</p> <p>In 2006–07, equity borrowers aged 35–44 and 45–54 withdrew on average $43,000 and $57,000, respectively (expressed in real values set at 2022 price levels). By 2021, the amount withdrawn by these two age groups had climbed to $70,000 and $100,000.</p> <p>On the other hand, the amount withdrawn by borrowers aged 55 or older fell from more than $50,000 to less than $40,000.</p> <hr /> <p><iframe id="ujq3S" class="tc-infographic-datawrapper" style="border: 0;" src="https://datawrapper.dwcdn.net/ujq3S/" width="100%" height="400px" frameborder="0" scrolling="no"></iframe></p> <hr /> <h2>What motivates equity borrowing?</h2> <p>Young homeowners’ equity borrowing behaviours are sensitive to changes in house prices and debt values, and their financial risk preferences. Among those aged 35–44, a $10,000 increase in the primary home value raises the likelihood of equity borrowing by ten percentage points.</p> <p>Every $10,000 in debt against the primary home reduces the likelihood by 2.8% percentage points. Those willing to take substantial financial risk are eight percentage points more likely to borrow against their home than those who are risk-averse.</p> <p>Those aged 65+ are not inclined to borrow, and exhibit little change in equity borrowing behaviour with variations in asset, debt, income or financial risk preferences.</p> <h2>Why borrowing practices differ between age groups</h2> <p>As well as being more likely than older homeowners to borrow against equity, the younger group also withdraws higher amounts than their Boomer parents.</p> <p>This is despite younger borrowers already carrying much higher debt against their primary home. Among those in our study who engaged in equity borrowing in 2021, the median debt before borrowing was $401,000 for 35-44 year-olds compared to $0 for those aged 65+.</p> <p>As real house prices have risen over decades, the current generation of young homeowners has had to invest more money into purchasing their first home than previous generations.</p> <p>It’s therefore not surprising the primary home is now widely viewed as a financial resource to be <a href="https://theconversation.com/your-home-as-an-atm-home-equity-a-risky-welfare-tool-22000">tapped into to meet spending needs</a>.</p> <p>On the other hand, most Baby Boomers bought their first home at more affordable prices than their children, and at lower levels of debt. Now they don’t appear to be spending their kids’ inheritance by drawing down housing wealth.</p> <p>In fact, older parents may shy away from equity borrowing to <a href="https://www.pc.gov.au/research/completed/wealth-transfers/wealth-transfers.pdf">bequeath wealth to children</a>. Some also <a href="https://doi.org/10.1017/S0047279417000058">dislike passing debt</a> on to their children.</p> <p>Older people may also avoid equity borrowing due to concerns about <a href="https://treasury.gov.au/sites/default/files/2023-08/p2023-435150.pdf">aged care costs</a>. Some may be hampered by <a href="https://doi.org/10.1016/j.jue.2013.08.003">poor financial literacy</a>.</p> <h2>More debt ahead without policy changes</h2> <p>Present trends suggest young homeowners will remain indebted for longer periods, and more and more will <a href="https://theconversation.com/more-of-us-are-retiring-with-mortgage-debts-the-implications-are-huge-115134">retire with mortgage debt</a>.</p> <p>For indebted retirees, there are real prospects of <a href="https://theconversation.com/fall-in-ageing-australians-home-ownership-rates-looms-as-seismic-shock-for-housing-policy-120651">drawing down of superannuation</a> to pay off mortgages in retirement.</p> <p>This may impose extra burdens on the age pension system. Another unwelcome consequence, which may add to health costs, is the prospect of <a href="https://www.ahuri.edu.au/sites/default/files/migration/documents/AHURI-Final-Report-319-Mortgage-stress-and-precarious-home-ownership-implications-for-older-Australians.pdf">debt-related psychological distress</a> among those who can’t pay off their mortgage in old age.</p> <p>If the current trends continue, the <a href="https://www.afr.com/policy/economy/what-happens-when-australia-s-boomers-hand-5-trillion-to-their-heirs-20240515-p5jdvf">great wealth transfer</a> that has already begun looks set to <a href="https://theconversation.com/not-everyone-wins-from-the-bank-of-mum-and-dad-73842">further entrench inequality</a> between those who have access to the bank of mum and dad and those who do not.</p> <p>Encouraging older people to use their housing equity to fund their needs in old age may lighten fiscal burdens on younger generations. But policy reforms will be needed to relieve concerns about the risks of equity borrowing in old age.<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/238924/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><a href="https://theconversation.com/profiles/rachel-ong-viforj-113482"><em>Rachel Ong ViforJ</em></a><em>, ARC Future Fellow & Professor of Economics, <a href="https://theconversation.com/institutions/curtin-university-873">Curtin University</a> and <a href="https://theconversation.com/profiles/christopher-phelps-378137">Christopher Phelps</a>, Research Fellow, School of Accounting, Economics and Finance, <a href="https://theconversation.com/institutions/curtin-university-873">Curtin University</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/young-homeowners-are-more-likely-to-use-their-home-as-an-atm-than-their-boomer-parents-heres-why-238924">original article</a>.</em></p> </div>

Money & Banking

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

<div class="theconversation-article-body"> <p><em><a href="https://theconversation.com/profiles/tracy-comans-696663">Tracy Comans</a>, <a href="https://theconversation.com/institutions/the-university-of-queensland-805">The University of Queensland</a> and <a href="https://theconversation.com/profiles/frances-batchelor-2209350">Frances Batchelor</a>, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a></em></p> <p>The Albanese government has this week announced it will introduce one of the <a href="https://www.health.gov.au/ministers/the-hon-anika-wells-mp/media/once-in-a-generation-aged-care-reforms">largest reforms</a> to Australia’s aged-care sector to date.</p> <p>The package includes a A$4.3 billion investment in home care, now called “<a href="https://www.health.gov.au/our-work/support-at-home">Support at Home</a>”, to come into effect from July 2025. This reflects both the desire of many people to remain living at home as they age, and the government’s desire to reduce the costs of residential aged care.</p> <p>So what changes is the government making to home care packages? And what will these changes mean for ageing Australians?</p> <h2>Reducing waiting times</h2> <p>One of the major complaints about the current home care system is the long waiting times. Estimates suggest there’s a <a href="https://www.gen-agedcaredata.gov.au/getmedia/447b425c-63d6-4b96-a1fc-4dac805066ba/Home-Care-Packages-Program-data-report-1-January-%E2%80%93-31-March-2024">6–to-12-month wait</a> for the higher level 3 and 4 home care packages. For people with the highest needs, this is far too long.</p> <p>As of March this year, around <a href="https://www.gen-agedcaredata.gov.au/getmedia/447b425c-63d6-4b96-a1fc-4dac805066ba/Home-Care-Packages-Program-data-report-1-January-%E2%80%93-31-March-2024">45,000 people</a> were waiting for any level of home care. An additional 14,000 were already receiving a package, but on a lower level of home care than they were entitled to.</p> <p>With additional funding, the new system will <a href="https://www.health.gov.au/ministers/the-hon-anika-wells-mp/media/once-in-a-generation-aged-care-reforms">support more participants</a>. It aims to shorten wait times to <a href="https://www.health.gov.au/sites/default/files/2024-09/support-at-home-fact-sheet.pdf">an average of three months</a> from July 2027.</p> <h2>Changes to services</h2> <p>The new system will replace the current four levels of home care packages with <a href="https://www.health.gov.au/ministers/the-hon-anika-wells-mp/media/once-in-a-generation-aged-care-reforms">eight classifications</a> of funding for services. When participants are assessed, they will be assigned the most suitable category. There’s currently very limited information on what these classifications are, but the idea is they will provide more targeted services.</p> <p>A number of short-term supports will also be available. These include assistive technology (such as mobility aids) and home modifications. Some people will be able to access 12 weeks of restorative care – a more intensive program designed to build function after injury or illness – as well as palliative care support.</p> <p>The way different types of services are subsidised is also changing. Previously, the same means-tested co-contribution applied regardless of the type of service.</p> <p>Under the new system, services are categorised into clinical care (for example, physiotherapy or wound care), independence (such as help with bathing or cooking) and everyday living (for example, gardening or home maintenance). The new reforms fully subsidise clinical services regardless of income, whereas independence and everyday living services will attract co-contributions based on means testing.</p> <p>For example, <a href="https://www.health.gov.au/sites/default/files/2024-09/case-studies-support-at-home.pdf">a self-funded retiree</a> would pay nothing out of pocket for physiotherapy, but would pay 50% for help with showering and 80% towards gardening costs. A full pensioner would also pay nothing for physiotherapy, but pay 5% for help with showering and 17.5% of the cost of gardening.</p> <p>This is a positive change. Our research has previously highlighted a tendency for people with home care packages to choose everyday living services <a href="https://onlinelibrary.wiley.com/doi/full/10.1155/2023/4157055">such as gardening</a> and cleaning and refuse clinical care such as allied health and nursing as these types of services were more expensive.</p> <p>These changes should make older people more likely to choose allied health and clinical care services, which will help them maintain their function and stay fitter for longer.</p> <h2>Some challenges</h2> <p>For the government’s reforms to deliver faster and better support at home, a number of issues need to be addressed.</p> <p>As people stay at home for longer, we also see that these <a href="https://academic.oup.com/ageing/article/52/5/afad058/7147101">people are frailer</a> and have more health conditions than in the past. This requires a different and more highly skilled home care workforce.</p> <p>The current <a href="https://www.health.gov.au/sites/default/files/documents/2021/10/2020-aged-care-workforce-census.pdf">home care workforce</a> consists largely of personal care and domestic support workers alongside a much smaller skilled workforce of registered nurses and allied health professionals.</p> <p>But with the changing profile of people receiving care at home, there will need to be a greater focus on maintaining functional capacity. This might mean more allied health input will be required, such as from physiotherapists and occupational therapists.</p> <p>It’s difficult to source an appropriately skilled workforce across the sector, and almost impossible in <a href="https://www.ruralhealth.org.au/sites/default/files/publications/fact-sheet-allied-health.pdf">rural and remote areas</a>. Alternative models, such as training personal care workers to act as allied health assistants, and effectively using technology such as telehealth, will be necessary to meet demand without compromising on quality of care.</p> <p>One example of the need for upskilling in specific areas relates to caring for people with dementia. The majority of people who are living with dementia at home receive care from family carers, supported by home care workers. It’s vital that these care workers have adequate knowledge and skills specific to dementia.</p> <p>However, research has shown the home care workforce may <a href="https://pubmed.ncbi.nlm.nih.gov/31646701/">lack the knowledge and skills</a> to provide best-practice care for people living with dementia. Specialised <a href="https://onlinelibrary.wiley.com/doi/10.1002/gps.6140">dementia training</a> for home care workers is effective in improving knowledge, attitudes and sense of competence in providing care. It should be rolled out across the sector.</p> <h2>What about unpaid care at home?</h2> <p>Unpaid carers, such as family members, provide <a href="https://www.pmc.gov.au/resources/draft-national-strategy-care-and-support-economy/goal-1-quality-care-and-support/support-for-informal-carers">significant amounts of care</a> for older people. The value of this unpaid care is estimated to be in the billions. As older people stay at home for longer, this is set to increase even further.</p> <p>However, carers with high care burdens are particularly vulnerable to <a href="https://www.sciencedirect.com/science/article/pii/S2352827316300283#s0025">poor physical and mental health</a>. Without adequate support, we may find extra caring pressures lead to a breakdown in caring relationships and an increase in other health-care costs for both the carer and care recipient.</p> <p>So we need to ensure carers have adequate financial, psychological and practical support. But the currently available detail on the reforms doesn’t indicate this has been adequately addressed.</p> <p>With careful implementation and ongoing evaluation, these reforms have the potential to significantly enhance the home care system. However, their success will depend on addressing workforce challenges, ensuring adequate support for unpaid carers, and maintaining a focus on the holistic needs of older Australians.</p> <p><em>More information about Support at Home is <a href="https://www.health.gov.au/our-work/support-at-home/about">available online</a>.</em><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/238890/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><a href="https://theconversation.com/profiles/tracy-comans-696663"><em>Tracy Comans</em></a><em>, Executive Director, National Ageing Research Institute; Professor, Centre for Health Services Research, <a href="https://theconversation.com/institutions/the-university-of-queensland-805">The University of Queensland</a> and <a href="https://theconversation.com/profiles/frances-batchelor-2209350">Frances Batchelor</a>, Director Clinical Gerontology & Senior Principal Research Fellow, National Ageing Research Institute, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/what-the-governments-home-care-changes-mean-for-ageing-australians-238890">original article</a>.</em></p> </div>

Legal

Trump escapes second assassination attempt

<p>Former president Donald Trump has escaped a second assassination attempt while playing golf at his private club in Florida. </p> <p>According to local authorities, a Secret Service agent was one hole ahead of Trump when he spotted a rifle barrel sticking out of the fence, which was later found to be an AK-47 with a scope, at the Trump International Golf Club, West Palm Beach on Sunday. </p> <p>The Secret Service opened fire on the suspect, who fled the scene only to later be pulled over on the highway and taken into custody. </p> <p>The FBI said Trump had been the subject of “an apparent assassination attempt” at his Florida golf club.</p> <p>Officials at a media briefing after the incident said a witness took a photo of the suspect's car as he fled the scene, helping authorities track him down. </p> <p>The Secret Service officer who was on the course and spotted the weapon was praised for doing a “fantastic job”.</p> <p>“What they do is they have an agent that jumps one hole ahead of time towards where the [former] president was at, and he was able to spot this rifle barrel sticking out of the fence and immediately engaged that individual, at which time the individual took off,” the Palm Beach County Sheriff Ric Bradshaw said.</p> <p>“In the bushes where this guy was is an AK-47 style rifle with a scope, two backpacks – which were hung on the fence that had ceramic tile in them and a GoPro, which he was going to take pictures with.” </p> <p>Trump posted an update on his social media platform to assure his supporters he was unharmed in the attempted assassination. </p> <p>“There were gunshots in my vicinity, but before rumours start spiralling out of control, I wanted you to hear this first: I AM SAFE AND WELL!” he wrote.</p> <p>“Nothing will slow me down. I will NEVER SURRENDER! I will always love you for supporting me.”</p> <p>The attempted shooting comes just months after Trump was injured during another assassination attempt in July while speaking at a rally in Pennsylvania. </p> <p><em>Image credits: Shutterstock/CRISTOBAL HERRERA-ULASHKEVICH/EPA-EFE/Shutterstock Editorial</em></p>

News

"World's biggest" amber nugget worth over $1 million used as doorstop for decades

<p>An elderly woman in Romania has unknowingly used one of the largest known amber nuggets in the world - worth over €1 million ($1.6 million) - as her doorstop for decades. </p> <p>The woman found the stone in the bed of a stream in Colti, a village in the southeast Romania, and used it as her doorstop for years without realising its value. </p> <p>Members of her family also reported that thieves had once broken into her home, but only stole a few pieces of gold jewelry, missing the seemingly insignificant rock. </p> <p>“In their frantic search for valuables, they overlooked the real treasure that was there before their eyes,” they said.</p> <p>It wasn't until after the woman died in 1991 that a relative who inherited her home suspected the doorstop might be more than meets the eye - and he was right. </p> <p>When he sold the amber to the Romanian state, experts at the Museum of History in Krakow, Poland appraised the rock and found that the amber is likely between around 38 and 70 million years old.</p> <p>“Its discovery represents a great significance both at a scientific level and at a museum level,” Daniel Costache, director of the Provincial Museum of Buzau, told local news outlet <em>El Pais</em>.</p> <p>The expert also claimed that the amber is one of the largest pieces in the world and the largest of its kind weighing a hefty 3.5-kilograms.</p> <p>It has now been classified as a national treasure of Romania, and can be found in the Provincial Museum of Buzau, where it has been since 2022. </p> <p>Romania is one of the countries with significant deposits of amber, with Buzau County being one of the areas where you can find these beautiful stones in abundance. </p> <p>The protected area also contains the old Stramba amber mine, which was very productive during the first half of the 21st century, before it was shut down by the communist regime as it was considered unprofitable. </p> <p><em>Image: Buzău County Museum</em></p> <p> </p>

Home & Garden

Mother arrested after two boys found dead in Blue Mountains home

<p>A mother has been arrested after the tragic discovery of her two sons, aged nine and 11, dead at their home in the Blue Mountains, New South Wales. The boys, Russell and Ben, were found by their father at the family's home in Faulconbridge shortly before 12:40pm.</p> <p>Their mother, Trish Smith, 42, was also found at the scene with several self-inflicted injuries. She has been taken to Westmead Hospital and is in a stable condition. No charges have been laid so far.</p> <p>Superintendent John Nelson of the Blue Mountains police confirmed that Mr Smith, the father, discovered the bodies and contacted authorities. "The father is helping us with inquiries, and he was the one who contacted police... all avenues are open for investigation," Nelson stated. While the police have not confirmed whether a weapon was involved, they are working to understand the sequence of events leading to the boys' deaths.</p> <p>The family, who had no prior history of domestic violence and minimal contact with the police, has left the community in shock. Superintendent Nelson said that the investigation is still in its early stages, and no speculation will be made at this time.</p> <p>The boys had attended school on Monday with no apparent issues, and authorities are now trying to trace their movements on Tuesday to piece together what might have happened.</p> <p>The nearby Springwood High School was involved in the emergency response as its oval was used as a helipad for medical evacuations. Homicide detectives from the State Crime Command have been assigned to the case, and police are continuing to speak with neighbours to uncover any possible motives.</p> <p>Blue Mountains Mayor Mark Greenhill expressed the community’s grief in a statement: "Our community has lost two precious souls in the most awful circumstances. Now is a time to come together and remember these two beautiful children."</p> <p>NSW Police Commissioner Karen Webb acknowledged the profound emotional toll the incident has had on law enforcement officers. "I think the older and more experience you get in this job, things like this still cut to the core. It’s a tragic situation," she said.</p> <p>Authorities have confirmed that no one else is being sought in connection with the deaths, and there is no ongoing threat to the community.</p> <p>The investigation continues as police work to understand the full circumstances surrounding this heartbreaking incident.</p> <p><em><strong>Need to talk to someone? Don't go it alone. </strong></em></p> <p><em><strong>Call Lifeline on 13 11 14 or visit lifeline.org.au</strong></em></p> <p><em><strong>Beyond Blue: 1300 224 636</strong></em></p> <p><em><strong>SANE: 1800 187 263; saneforums.org</strong></em></p> <p><em>Image: Supplied</em></p>

Legal

Jessica Alba surprises dad by buying his childhood home

<p>Jessica Alba has spent the past three years working towards buying her parents a house, but not just any house, she bought her father's childhood home. </p> <p>She took to Instagram to make the announcement, with a teaser video of her special home-renovation project. </p> <p>"Almost three years ago, I started the project of my dreams… I surprised my parents by buying them a house!!" she began. </p> <p>"Now, it wasn't just any house – it was extra sentimental as it was my grandparent's house that my father grew up in," she continued.</p> <p>"After my grandfather passed away, my parents were planning on selling the house in order to pay for my grandmother's medical bills. Well… I pretended like I was going to help them flip it before selling when in reality, I had planned to buy it for them all along."</p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-captioned="" data-instgrm-permalink="https://www.instagram.com/reel/C_TWEyhPyy_/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/reel/C_TWEyhPyy_/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by Jessica Alba (@jessicaalba)</a></p> </div> </blockquote> <p>She published the first part of her renovation series on YouTube and in it explained the sentimental value of the house and how it was a symbol for her father, who was an immigrant from Mexico, that "he had made it". </p> <p>Her family initially planned to sell it to ease some of their financial burden, as her grandmother required "24/7 care" but Alba wanted to keep the house in the family and so her plan began.</p> <p>"Instead of it giving to a stranger, I wanted to keep this home in our family," she said in the YouTube series. </p> <p>The moment Alba surprised her parents was also captured in the video, with her father brought to tears as he was overcome with emotion. </p> <p>"That's so sweet Jessica. That's a big surprise," he said while embracing his daughter.</p> <p>"I'm very proud of you."</p> <p><em>Images: Instagram</em></p>

Money & Banking

Grandmother's body found 800km from home

<p>Police have revealed the body of a Queensland grandmother has been found 800km from home in bushland near a main tourist area. </p> <p>Wendy Hansen, 63, was last seen at an ATM in her hometown Monto - about 170km west of Bundaberg, Queensland - on February 29 this year. </p> <p>She was reported missing when she didn't return home, with police finding CCTV footage of her driving 400km south on Queensland's main highway on February 29. </p> <p>Queensland Police continued their public push for information in the months that followed, but on Thursday, NSW police revealed that they found her body half buried in bushland near Jordan Esplanade in Coffs Harbour on June 18. </p> <p>NSW homicide detectives are now looking for her vehicle, a silver 2007 two-door Mitsubishi Pajero with Queensland registration plates 645TCZ.</p> <p>In a statement on Thursday, NSW detectives appealed to the public for help with finding her car. </p> <p>"As investigations continue detectives are appealing to the public for any information, CCTV or dashcam footage that may assist the investigation to contact NSW Police or Crime Stoppers on 1800 333 000," they said.</p> <p>"Detectives are specifically interested in the location of Wendy’s car which has not yet been located and are urging anyone with dashcam vision of the car to contact police immediately."</p> <p><em>Images: NSW Police</em></p>

Caring

Mother furious after toddlers escape daycare onto busy road

<p>A young mother is demanding answers after her toddler managed to flee his daycare centre and walk onto a busy road. </p> <p>Adelaide mum Makayla Lill dropped her son Wyatt off at the Goodstart Early Learning Blair Athol on Monday, when only hours after, Wyatt and another toddler were seen climbing through a hole in a broken fence. </p> <p>The two children ran out towards the busy road, which is regarded as a notorious accident blackspot, forcing traffic to slow down to avoid hitting the children.</p> <p>The staff quickly realised the children had escaped and ran to retrieve them. </p> <p>"I am pretty furious. There’s no excuse,” Makayla said.</p> <p>After the children were secure, the staff rang Ms Lill to inform her of the incident, which is now under investigation. </p> <p>“The first thing she said was ‘I’m just letting you know Wyatt is safe’”, Ms Lill said. “That straight away makes you think ‘What’s happened?’”</p> <p>"They said he was there for a maximum, this is what makes me upset, 10 seconds," Lill said.</p> <p>The mother said staff told her the gap in the fence was missed on a routine perimeter check.</p> <p>George Mavromatis was nearby when the incident occurred and said he heard the staff's screams from across the road.</p> <p>"This is a very bad intersection. We've seen multiple car accidents, it was very lucky to come out of that lightly to tell you the truth," he told <em><a href="https://www.9news.com.au/national/two-children-found-wandering-near-busy-road-after-leaving-childcare-centre-adelaide/3c0164f9-d799-45e2-806b-1db00bc67e22" target="_blank" rel="nofollow noreferrer noopener">Nine News</a></em>.</p> <p>Makayla Lill has made a formal complaint with the centre, as some parents have pledged to remove their children from the daycare centre, while others have said they hoped it was just an isolated incident.</p> <p>The incident is now under multiple investigations by the centre and the Education Standards Board of South Australia, as South Australian Premier Peter Malinauskas said SafeWork may have a role to play in the investigation. </p> <p>"I think any parent would be horrified when they see these images. They're pretty confronting. I think it begs the question of what went wrong in this circumstance," Malinauskas said.</p> <p><em>Image credits: Nine</em></p>

Family & Pets

How fear of missing out can lead to you paying more when buying a home

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/park-thaichon-175182">Park Thaichon</a>, <a href="https://theconversation.com/institutions/university-of-southern-queensland-1069">University of Southern Queensland</a></em></p> <p>The property market is a competitive space where finding a nice home, in the area you want, at a price you can afford is a hard ask.</p> <p>With buyers outnumbering available properties, the pressure is even greater causing some would-be buyers to develop <a href="https://health.clevelandclinic.org/understanding-fomo">a fear of missing out</a> (FOMO) and to make irrational decisions.</p> <p>FOMO might make you worry others are finding nicer homes and getting better deals, or that prices will rise to the point where you are priced out of the market altogether. This could cause you to pay too much or to buy a property in an area unsuitable for your needs.</p> <p>Then there is <a href="https://www.psychologytoday.com/au/blog/counseling-keys/202103/overcoming-fear-of-making-mistakes">fear of making a mistake</a> (FOMM), which can also cause problems if you’re a home hunter. You might be reluctant to bid or to negotiate because you are afraid of choosing the wrong property or paying more than it’s worth.</p> <h2>Problems caused by FOMO and FOMM</h2> <p>The principles of contagion theory, crowd psychology and the scarcity principle we identified in <a href="https://onlinelibrary.wiley.com/doi/epdf/10.1111/ijcs.12649?casa_token=271MN72XdP8AAAAA%3AfhYF_2yUJtM7KGv5jvFdXn5UsXQLkMcIM_F6hffYa30QaSdRivjf2mhFX-cr5C7ttCuLl1-e2OFYXBA">our research</a> on panic-buying during the pandemic, can be applied to any purchasing decisions. In this instance we applied them to buying properties in a competitive housing market.</p> <p><a href="https://www.communicationtheory.org/contagion-theory/">Contagion theory</a> applies when people act irrationally under the influence of a crowd. <a href="https://www.bestvalueschools.com/faq/what-is-crowd-psychology/">Crowd psychology</a> is similar but relates to how a crowd behaves in certain circumstances, while <a href="https://www.indeed.com/career-advice/career-development/scarcity-principle">scarcity principle</a> is the idea if there are fewer items available, their value increases.</p> <p>Each of these can increase the likelihood of several behaviours when purchasing a property. These include:</p> <ul> <li><strong>Underbidding and overbidding</strong></li> </ul> <p>Fearing other buyers might get the house, house hunters might get caught up in a bidding war and end up paying more than planned.</p> <p>Conversely, buyers with FOMM might fear spending too much so bid too low to start with and risk losing the house.</p> <ul> <li><strong>Following the crowd and peer pressure influence</strong></li> </ul> <p>Buyers might feel <a href="https://link.springer.com/article/10.1007/s11403-021-00324-7">pressured to buy</a> in a certain area because it’s popular, even if it is not best fit for them. This can lead to paying more for a house just because others are doing the same.</p> <ul> <li><strong>Delaying decisions</strong></li> </ul> <p>FOMM can lead to <a href="https://onlinelibrary.wiley.com/doi/abs/10.1111/ijcs.12990?casa_token=ZhJnLBOwVxUAAAAA%3AW5haHZKSA1rFQsRNdvw0liOoyvdxl0OrFR2phkhGfYC6TnWRv9EsnV-N8w52CmcnAVb8X2yU1obpIjKx">taking too long to decide</a>. This delay can mean missing out on good deals or being forced to rush into a decision and end up overpaying.</p> <ul> <li><strong>Avoiding negotiation</strong></li> </ul> <p>Some buyers might avoid negotiating the price or special conditions such as building and pest inspections and finance approval because they fear the seller will reject their offer. This can result in paying more than they need to if there are problems later.</p> <ul> <li><strong>Excessive inspections and appraisals</strong></li> </ul> <p>While inspections and appraisals are important, too many can suggest indecisiveness driven by fear, resulting in wasted money on unnecessary assessments, and more importantly, wasted time and delayed decisions.</p> <h2>Removing fear from the buying process</h2> <p>Start with thorough research and preparation by learning about different neighbourhoods and house prices. The history of properties and suburbs can be found for free on property websites and is a good place to start.</p> <p>Seek professional guidance from real estate agents or financial advisers to help you through the process.</p> <p>Get insights on market trends from an agent from a selling company or bank to help find homes that meet your criteria. Keep in mind these agents will get some form of incentive from your purchase.</p> <p>All the big banks or loan officers can provide free property reports on specific properties or suburbs.</p> <p>Don’t forget to check council mapping and water authority documents to check for potential future road projects and other developments and for an area’s flood rating.</p> <p>Perform due diligence by thoroughly inspecting properties and reviewing contracts to ensure they meet your needs and are a good investment.</p> <p>For example, it is a good idea to hire a home inspector to check for any hidden issues before making an offer.</p> <p>Another common mistake made by most buyers is not asking their <a href="https://www.qld.gov.au/law/housing-and-neighbours/buying-and-selling-a-property/buying-a-home/before-you-start-looking/appointing-a-solicitor">solicitor</a> to check and give suggestions before signing a contract or offer.</p> <p>A solicitor can check the sale contract before you sign, review the disclosure documents, give advice on your mortgage contract, carry out title searches and explain the results and explain how the purchase may affect your liability for land tax.</p> <p>Do some contingency planning by preparing for unexpected price increases and for the presence of other strong bidders to reduce anxiety about making the wrong decision. Setting aside extra funds could help deal with higher than expected prices or unexpected repairs that need doing.</p> <p>In the end, plan well and make decisions without letting emotions take over. Taking your time to find the right home that fits your budget and goals, rather than rushing into a purchase due to fear of missing out or making a mistake.<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/233197/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em><a href="https://theconversation.com/profiles/park-thaichon-175182">Park Thaichon</a>, Associate Professor of Marketing, <a href="https://theconversation.com/institutions/university-of-southern-queensland-1069">University of Southern Queensland</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/how-fear-of-missing-out-can-lead-to-you-paying-more-when-buying-a-home-233197">original article</a>.</em></p> </div>

Money & Banking

Larry Emdur takes home Gold Logie in star-studded awards

<p>The 2024 TV Week Logies kicked off on Sunday night to celebrate the world of Australian TV and entertainment, with actors and presenters alike dressing in their best frocks and heading to Sydney's The Star. </p> <p>For the second year in a row, hosting the show was Sam Pang, known for his hilarious comedy on <em>Have You Been Paying Attention?</em> on Channel Ten, as he took to the stage for a memorable opening monologue. </p> <p>Pang used the Logies stage, which was being broadcast by Channel Seven, to take a swipe at the struggling network, roasting Seven for their spate of recent scandals, such as the Bruce Lehrmann-<em>Spotlight</em> scandal</p> <p>"Firstly, Channel 7, well, I'm just letting you all know I'm going to say whatever I want tonight," he said as he kicked things off. </p> <p>"I stand before you safe in the knowledge that whatever I say, this network will defend me in court, and with their impeccable record in defamation cases over the last 12 months I reckon I'll be fine."</p> <p>Amid a string of jobs being cut at Seven, Sam then joked that he wasn't getting paid by the network for his hosting gig and said they would instead be paying his rent.</p> <p>"Full disclosure - I'm not getting paid by Channel Seven tonight. Instead, for the next 12 months, they're paying my rent," he quipped. "Which is handy as they'll know what address to send the Thai masseuse to."</p> <p>Pang then took aim at Network Ten, his usual employer, to call out their difficult year of cancelled shows. </p> <p>"It's been a tough 12 months for Channel Ten, although they did bring back <em>Deal Or No Deal</em> hosted by Grant Denyer, a show where contestants get to open a briefcase and try to guess how much money the network is losing each week," he said. </p> <p>As the awards ceremony kicked off, one young talent stole the hearts of the nation, as 15-year-old Felix Cameron, who recently starred in Netflix's drama <em>Boy Swallows Universe</em> based on the novel by Trent Dalton, took home two awards: the Graham Kennedy Award for Most Popular New Talent and Best Lead Actor in a Drama. </p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-permalink="https://www.instagram.com/reel/C-z8mimvbAK/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/reel/C-z8mimvbAK/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by TV Week Magazine (@tvweekmag)</a></p> </div> </blockquote> <p>More tears flooded the stage when acting legend Rebecca Gibney was inducted into the Hall of Fame for her decades of work in the Aussie TV industry. </p> <p>Gibney was surprised as a myriad of co-hosts reflected on memories they shared on set, with Hugh Jackman even sending in a video message to share how she is "perfection and excellence personified". </p> <p>Presenting Gibney with the award was her son Zachary, who gave an emotional speech about his mum and her stellar career. </p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-permalink="https://www.instagram.com/p/C-0krp3zp7j/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/p/C-0krp3zp7j/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by Zac Bell 🦝 (@zacpuff)</a></p> </div> </blockquote> <p>"I feel so lucky to have been raised by someone with so much love to give and be guided through life watching her show so much kindness to everyone that she meets...</p> <p>"So many people love Rebecca Gibney, the actor. I will always love her as the kindest, most-loving mum anyone could ask for. And, tonight, all of us in this room, and industry, celebrate her. I love you, Ma, to the moon and back and I'm so proud of you."</p> <p>Rounding out the night was the award everyone was waiting for: the coveted Gold Logie. </p> <p><em>The Morning Show</em> host Larry Emdur took out the gold, in a move which surprised even him as he explained in his acceptance speech, reflecting on being “television’s most axed man”. </p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-permalink="https://www.instagram.com/reel/C-0HQ_ZP0gV/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/reel/C-0HQ_ZP0gV/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by Channel 7 (@channel7)</a></p> </div> </blockquote> <p>“I love television. I’ve never done anything else, and I’ve never wanted to do anything else,” he said.</p> <p>During his speech, Larry also recalled a promise he made if he were to win the award, recalling, “I just remembered I did say if I won this, during the week ... I was so convinced that I wasn’t going to win this that I said that if I did win it, I would have all the nominees’ initials tattooed on my a*** live tomorrow morning,” he said, prompting the room to explode into laughter.</p> <p>“We’ll see you on The Morning Show tomorrow I guess.“</p> <p><em>Image credits: Seven/Norman Ko/Shutterstock Editorial </em></p>

"Just magical": Aussie Olympians return home in triumph

<p>Australia’s Olympians returned home to a heroes' welcome after the most successful Olympic campaign in the nation’s history.</p> <p>Touching down early Wednesday morning, the athletes were greeted with cheers and applause, marking the end of an extraordinary journey from Paris.</p> <p>The first group of Olympians, including gold medal stars pole vaulter Nina Kennedy and boxer Charlie Senior, landed in Perth to an enthusiastic crowd of family, friends and fans. Kennedy, who secured her gold medal in Paris, expressed her joy, stating, "There is one thing on my list of things I always wanted to do was become Olympic champion...No one can take it away from me." Senior, who won bronze, was equally thrilled, saying, “Coming home is the best feeling out of it all."</p> <p>The celebrations continued on the east coast as another plane full of Australian athletes, adorned with "Go Australia" written in green and gold, arrived in Sydney. Prime Minister Anthony Albanese personally welcomed the team, and popstar Jessica Mauboy, along with The Qantas choir, performed to honour the athletes.</p> <p>Among the first to disembark were dual gold medal canoeist Jessica Fox and swimmer Kaylee McKeown, who made history by becoming the first Australian to win four individual Olympic gold medals. Emotional reunions followed, with McKeown embraced by her family and <em>Today</em> host Sarah Abo, and swimmer Ariarne Titmus shedding tears as she reunited with her parents.</p> <p>Titmus, who played a key role in Australia’s success, shared her excitement for the future, saying, "I think the country just revels in the Olympic experience...I'll enjoy that. Forget about something for a while and just spend some time with my friends and family."</p> <p>The athletes, including young talents like 14-year-old skateboarder Arisa Trew and BMX gold medalist Saya Sakakibara, were praised for their incredible performances. Retired Olympic swimmer Giaan Rooney spoke at length on the significance of their achievements, calling the homecoming "monumental" and "magical".</p> <p>"It was just magical. Paris was magical," she said. "Our athletes were incredible. But really I need to tell you, this is enormous because I came home on the charter flight in 2004 after the Athens Olympics, and back then there wasn't social media or anything like that. You didn't understand the enormity of what you had done or what it meant to be an Aussie at that point, until you landed on this charter flight. So for these athletes, this is just going to blow their minds.</p> <p>"Seeing their family, their friends, everyone that's here to support them after what they've done, it's just going to be magical. It was monumental."</p> <p>Australia's medal tally from the Paris Games was nothing short of historic, with 18 golds, 19 silvers and 16 bronzes, making it the country’s most successful Olympics ever. The 18 gold medals surpassed the previous record of 17 from both the 2004 Athens Games and the Tokyo Olympics three years ago. The total of 53 medals also set a record for an away Games, second only to the 58 medals won at the Sydney 2000 Games.</p> <p>Australia’s success spanned across 14 sports, with five athletes defending their Olympic crowns, including sailor Matt Wearn, paddler Jessica Fox, skateboarder Keegan Palmer and swimmers Kaylee McKeown and Ariarne Titmus.</p> <p>As the nation celebrates these incredible achievements, the athletes look forward to a well-deserved break, surrounded by the love and support of their families and fellow Australians. Their remarkable performances in Paris have not only made history but also inspired a new generation of sporting men and women across the country.</p> <p>Images: <em>Today</em></p>

International Travel

Woman "trapped" on a boat for a decade details amazing "escape"

<p>A woman has recalled her turbulent childhood spent "trapped" a boat with her parents, detailing how she made her "escape".</p> <p>Suzanne Heywood was just seven years old when her parents told her she, along with her younger brother Jonathan, would be pulled out of school to go on a three-year voyage around the world. </p> <p>The family of four from the UK set out on their quest to recreate Captain Cook’s infamous third and final voyage around the globe, which ended up taking a decade instead of the promised three years. </p> <p>While her parents thought it was the trip of a lifetime and often described the opportunity as a “privilege”, Suzanne has since compared it to being locked up in prison.</p> <p>Now 55 years old, Suzanne has shared her tale of survival on TikTok, and recalled her 10 years at sea in her tell-all memoir <em>Wavewalker</em>. </p> <p>“My father said we would be back in three years’ time, and that my dog would be waiting for me, and my friends and school and everything would go back to normal,” the author said in a now-viral video. </p> <p>“But in fact, it was almost 10 years before we came back, and I spent that time trapped on a boat, unable to go to school or have normal friendships.” </p> <p>Despite her father assuring her the “trip would be safe”, Suzanne claimed it was “incredibly dangerous”, sharing details of a perilous journey from South Africa to Australia where the boat hit an “enormous storm”. </p> <p>“The waves became bigger and bigger, and finally one crashed over the back of the boat, through the deck and out the side,” she recalled.</p> <p>“I was thrown, a little girl at 7, against the ceiling of the cabin and against the wall, fracturing my skull and breaking my nose. Three days later, we found a tiny little island in the middle of the Indian Ocean where I had multiple head operations without anaesthetic.”</p> <p>In order to get through her "very strange" childhood, Suzanne recalled how she was determined to get an education to live a normal life. </p> <p>“As it became clear my parents had no intentions of going back, I decided I had to educate myself as it was the only lifeline that I had,” she told the hosts of <em>The Morning Show</em>. </p> <p>“The only way to get off this boat was to get an education, it was my only hope to ensure I had a ‘normal life’ for myself one day.”</p> <p>While remote education wasn't an option in 1969, Suzanne enrolled in an Australian correspondence school when she was 13. </p> <p>she began studying in the small cabin of the boat, which she found challenging both practically, and academically as she “had missed a lot of education”.</p> <p>Then, when she was 16, and her brother 15, her parents enrolled the two teenagers into a school in New Zealand while they continued sailing.</p> <p>Despite the gaps in her education, Suzanne landed a spot at Oxford University, and after saving up money she’d earned working on a farm, Suzanne bought a one-way plane ticket back to the UK.</p> <p>Since going public with her story, which she was inspired to do after the death of her husband in 2018, Suzanne's book instantly became a bestseller, and she continues to work through the trauma caused by her "unstable" childhood. </p> <p>Suzanne's extraordinary tale has captured the hearts of millions, with thousands of online fans hailing her bravery. </p> <p>“<em>Wavewalker</em> is one of the best books I’ve read, I’m so sorry you went through all that,” one person replied, while another said, “Thank you for the this! Your story inspires me and I can change my life no matter when and how.” </p> <p><em>Image credits: Instagram / Suzanne Heywood</em></p>

Travel Trouble

Aussie Olympic judge sent home after “inappropriate act”

<p>Australian surfing judge Ben Lowe has been sent home from the Paris Games after an "inappropriate" photo with an athlete went viral. </p> <p>Lowe posed for a photo with Aussie surfer Ethan Ewing and his coach Bede Durbidge on the beaches of Tahiti - the largest island in French Polynesia where the Olympic surfing competition is taking place - to celebrate Ewing making it to the quarter finals. </p> <p>The photo of the men soon went viral with the caption, “Three Straddie (North Stradbroke Island) boys doing their stuff at the Olympics.”</p> <p>Despite the photo seeming completely harmless, the International Surfing Association (ISA) took swift action against Lowe.</p> <p>According to the ISA, Lowe, an experienced World Surf League judge, has been stood down in accordance with the ISA’s code of conduct and the International Olympic Committee’s code of ethics. </p> <p>The ISA released a statement overnight saying it removed Lowe from the judging panel for the remainder of the competition to "protect the integrity and fairness of the ongoing competition".</p> <p>"The ISA is aware of a photo circulating on social media in which one of the Olympic surfing judges from Australia is seen socially interacting with an Australian athlete and the team manager," the ISA said.</p> <p>"It is inappropriate for a judge to be interacting in this manner with an athlete and their team."</p> <p>The surfing federation said it had "communicated with all judges and teams to remind them of their responsibilities regarding appropriate behaviour".</p> <p><em>Image credits: Instagram</em></p> <p> </p> <p> </p>

Travel Trouble

Snug but unsafe: your heater may be harming your health. What are your safest choices?

<div class="theconversation-article-body"> <p><em><a href="https://theconversation.com/profiles/christine-cowie-191638">Christine Cowie</a>, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a> and <a href="https://theconversation.com/profiles/bill-dodd-1280161">Bill Dodd</a>, <a href="https://theconversation.com/institutions/university-of-tasmania-888"><em>University of Tasmania</em></a></em></p> <p>We now have a dizzying array of heating technologies to consider, besides the fire that warmed our ancestors.</p> <p>Salespeople will highlight any number of features and minor conveniences. You will be made aware of limited-offer discounts, product warranties, trends in certain Nordic countries, or their low cost (at least in the short-term). What you are less likely to read on the box is, well, the stuff that really matters: the long-term effects on your health and the health of your family, your neighbours and the environment.</p> <p>Yes, a heater should keep you warm affordably. After all, a warm home is vital for your health. But would you run a heater that you knew was increasing the likelihood of your child developing asthma, your partner developing lung cancer, and your neighbour or your grandparent suffering a stroke or heart attack?</p> <p>Many <a href="https://doi.org/10.1016/j.envint.2019.105429">peer-reviewed studies</a> have found domestic heating to be a major source of air pollution and of ill health in Australia. So which heaters are high-risk and which are low-risk? Let’s consider, firstly, the most dangerous heaters.</p> <h2>Extreme-risk heaters</h2> <p>Two rules reduce the risks:</p> <ol> <li> <p>never burn anything (wood, gas or other fuel) in your home without adequate ventilation such as a chimney, exhaust or flue</p> </li> <li> <p>never use an outdoor appliance (heater, cooker, barbecue) inside.</p> </li> </ol> <p>Concerningly, a 2022 <a href="https://asthma.org.au/wp-content/uploads/2022/11/AA2022_Housing-Survey-Report_full_v4.pdf">Asthma Australia survey</a> found 7% of Australians used an unflued gas heater.</p> <p>When gas or other fuel is burnt indoors it releases a range of <a href="https://search.informit.org/doi/abs/10.3316/informit.786585213635569">particles and toxic gases</a>. Most dangerous of all is <a href="https://www.dcceew.gov.au/environment/protection/npi/substances/fact-sheets/carbon-monoxide-0">carbon monoxide</a> (CO). This colourless, odourless gas can build up in unventilated homes, resulting in serious poisoning and death.</p> <p>A recent <a href="https://www.abc.net.au/news/2024-06-29/sydney-family-use-bbq-as-indoor-heater-inhale-carbon-monoxide/104039702">case of carbon monoxide intoxication</a> left three people unconscious in a Sydney home after an outdoor barbecue was used inside as a heater. Outdoor heaters, cookers and barbecues are especially potent sources of carbon monoxide and should never be brought inside.</p> <p>If you have a gas appliance in your home, even if it is ventilated, install a <a href="https://www.energysafe.vic.gov.au/industry-guidance/gas/gas-information-sheets/gis-36-carbon-monoxide-alarms-domestic-use">carbon monoxide alarm</a> for as little as $30.</p> <h2>High-risk heaters</h2> <p><a href="https://www.sciencedirect.com/science/article/pii/S0048969724012087">The evidence</a> is now very clear: wood heater smoke is a potent source of air pollution and significant cause of ill-health in Australia.</p> <p>The more often you burn, the greater the risk. One <a href="https://doi.org/10.1016/j.envint.2023.108128">large population study</a> found even infrequent wood heater use (30 days or more each year) increases the risk of lung cancer by 68%.</p> <p>Wood heaters spill smoke into the home when refuelling. They also suck smoke from outside back into the home as air is drawn up the chimney.</p> <p>If you can smell your wood heater, it is harming your health and exposing you to a toxic mix of particles and gases.</p> <p>For the wider community, the cumulative health impacts of wood heaters are significant.</p> <p>Less than <a href="https://www.abs.gov.au/ausstats/abs@.nsf/Previousproducts/4602.0.55.001Main%20Features5Mar%202011?opendocument&tabname=Summary&prodno=4602.0.55.001&issue=Mar%202011&num=&view=">10% of Australian households</a> use a wood heater. Yet they are the largest source of particulate air pollution in most Australian cities and towns, including <a href="https://www.environment.nsw.gov.au/-/media/OEH/Corporate-Site/Documents/Air/sydney-air-quality-study-stage-2-program-report-220644.pdf">Sydney</a>, <a href="http://www.doi.org/10.1016/j.scitotenv.2024.171069">Melbourne</a>, <a href="https://onlinelibrary.wiley.com/doi/full/10.5694/mja2.52176">Canberra</a>, <a href="http://www.doi.org/10.1016/j.scitotenv.2024.171069">Adelaide</a> and <a href="http://www.doi.org/10.3390/ijerph17093264">Hobart</a>. Even in temperate Sydney, wood heaters emit <a href="https://www.environment.nsw.gov.au/-/media/OEH/Corporate-Site/Documents/Air/sydney-air-quality-study-stage-2-program-report-220644.pdf">more of this pollution</a> than all the cars, trucks, boats and buses combined, and more than coal-fired power stations and industry.</p> <p><a href="https://safeair.org.au/">Centre for Safe Air</a> researchers <a href="https://doi.org/10.1016/j.scitotenv.2024.171069">estimate</a> wood heaters cause between 558 and 1,555 excess deaths a year in Australia. That’s roughly equivalent to the <a href="https://www.bitre.gov.au/publications/ongoing/road_deaths_australia_monthly_bulletins">annual road toll</a>.</p> <p>Fine particles (2.5 microns or less in diameter – also known as PM2.5) are a major component of wood smoke. PM2.5 increases <a href="https://www.epa.gov/air-research/air-pollution-and-cardiovascular-disease-basics">rates of heart disease and stroke</a>, <a href="https://doi.org/10.3978%2Fj.issn.2072-1439.2016.01.19">lung disease</a>, <a href="https://doi.org/10.1016/j.scitotenv.2018.11.218">dementia and other neurological conditions</a> and <a href="https://asthma.org.au/about-us/advocacy/air-quality">asthma attacks</a>. Risks of <a href="https://doi.org/10.1371/journal.pmed.1003718">adverse pregnancy outcomes</a> and <a href="https://www.eea.europa.eu/publications/air-pollution-and-childrens-health">poorer learning outcomes in children</a> are also increased.</p> <h2>Low-risk heaters</h2> <p>Evidence suggests there is no “safe” level of air pollution, with health effects <a href="https://doi.org/10.1016/j.envint.2019.02.044">seen at very low levels</a>.</p> <p>Even ducted gas heating, where most of the toxins are ventilated, <a href="https://search.informit.org/doi/abs/10.3316/informit.786585213635569">can expose residents to low levels</a> of PM2.5, nitrogen dioxide (NO2), carbon monoxide and formaldehyde. Over time, this can have a range of <a href="https://safeair.org.au/the-health-impacts-of-gas-use-extraction/#gf_1">health impacts</a>, including worsening asthma and respiratory symptoms.</p> <p>Burning gas for heating also adds to greenhouse gas emissions.</p> <p>As Australia transitions to a zero-carbon society, some states and territories are phasing out installation of new wood heaters, such as <a href="https://www.abc.net.au/news/2023-08-24/canberra-to-phase-out-wood-heaters-by-2045/102769162">in the ACT</a>, and gas connections, such as <a href="https://www.planning.vic.gov.au/guides-and-resources/strategies-and-initiatives/victorias-gas-substitution-roadmap">in Victoria</a>. Subsidies to help people replace unhealthy heaters are excellent investments in the environment, public health and health equity.</p> <h2>Healthy heaters</h2> <p>Ultimately, heaters that do not rely on burning fuel inside the home are the safest, and often more affordable, heating option.</p> <p>A <a href="https://www.abc.net.au/news/2023-07-17/cleaning-filters-in-reverse-cycle-air-conditioner-to-save/102594652">well-maintained</a> reverse-cycle air conditioner, sometimes called a heat pump, actually cleans the air inside your home.</p> <p>These air conditioners have the additional benefit of cooling your home in summer. As heatwaves become more severe and frequent, efficient cooling is <a href="https://www.sciencedirect.com/science/article/pii/S0378778823004152">increasingly important for health</a>.</p> <p>As for affordability, an efficient reverse-cycle air conditioner can be up to <a href="https://www.climatechoices.act.gov.au/__data/assets/pdf_file/0005/1862663/Sustainable-Household-Scheme-A-guide-to-reverse-cycle-systems.pdf">seven times as efficient</a> as a gas wall heater in the energy it uses for a given amount of heat.</p> <p>There are many other <a href="https://www.choice.com.au/home-and-living/heating/electric-heaters/articles/which-electric-heater-type-is-best">electric heating technologies</a> – such as fan heaters, oil column heaters, panel heaters, or infrared heaters – that do not release toxins into the home.</p> <p>Heater manufacturers are often reluctant to talk about the health impacts of their products, and regulators are slow to catch up with the science.</p> <p>By thinking about heating in terms of health, you can make your home safer for yourself and the people around you.</p> <p>After all, there’s nothing cosier than a healthy home.<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/235102/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><a href="https://theconversation.com/profiles/christine-cowie-191638"><em>Christine Cowie</em></a><em>, Senior Research Fellow, Centre for Air Quality and Health Research and Evaluation, Woolcock Institute of Medical Research, University of Sydney; Senior Research Fellow, South West Sydney Clinical School, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a> and <a href="https://theconversation.com/profiles/bill-dodd-1280161">Bill Dodd</a>, Knowledge Broker, Centre for Safe Air (NHMRC CRE), and Adjunct Researcher, Media School, <a href="https://theconversation.com/institutions/university-of-tasmania-888">University of Tasmania</a></em></p> <p><em>Image </em><em>credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/snug-but-unsafe-your-heater-may-be-harming-your-health-what-are-your-safest-choices-235102">original article</a>.</em></p> </div>

Home & Garden

Ada Nicodemou breaks silence on "unexpected" romance with co-star

<p><em>Home and Away </em>star Ada Nicodemou has finally broken her silence on her new relationship with James Stewart. </p> <p>The pair's rumoured romance first hit headlines in early May, not long after Nicodemou announced her split from Adam Rigby, who was her partner of eight years. </p> <p>In her latest interview with <a href="https://www.instagram.com/p/C9qRZnvo_Rx/?utm_source=ig_embed&ig_rid=c42ee60a-b9ff-442c-bd2f-38a0c4cd6caf" target="_blank" rel="noopener"><em>Stellar</em></a> magazine, the actress has finally confirmed their romance. </p> <p>“Jimmy and I are together, yes,” she told the publication. </p> <p>“At 47, you know what you want and what you don’t. It's only early days. It's very recent and very unexpected. I'm super happy. It's really lovely."</p> <p>The pair, who play husband-and-wife Leah Patterson and Justin Morgan on the show, were photographed kissing on Anzac Day, and the photos were made public a few weeks later. </p> <p>A few weeks before the photographs were made public, the couple's on-screen wedding aired on April 9, but Nicodemou shut down the rumours that they were romantically involved during shooting. </p> <p>"There weren't genuine feelings then," she said, adding the episode was shot six months prior to it airing. </p> <p>"It was shot last year. But I think whenever you're watching any TV couple, you're always wondering if they really do have feelings."</p> <p>“We’ve always respected each other. We’ve known each other since<em> Breakers</em>. Jimmy is an amazing actor," she added referring to the 1998 soap opera they were both in. </p> <p>“I’ve loved working with him for five years and I think our scenes are great. I always like going to work – we push ourselves, and push each other, in a really good way.”</p> <p><em>Home and Away</em> fans were quick to react to the actress' confirmation of her relationship, with one fan writing on Instagram, "Damn right! Set that record straight!"</p> <p>"Your life your love 🥰 I hope you have the privacy you need both of you," another added.</p> <p>"Can't help who you fall in love with. Enjoy new beginnings. You two are gorgeous together, hope it's forever," a third added.</p> <p>Prior to her relationship with Rigby, Nicodemou was married to Chrys Xipolitas and they share one child together, 11-year-old son Johnas.</p> <p>Stewart was previously married to Sarah Roberts and they were together for six years before they split in 2015. They share daughter Scout. </p> <p><em>Images: Instagram</em></p>

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Snug but unsafe: your heater may be harming your health. What are your safest choices?

Ada Nicodemou breaks silence on "unexpected" romance with co-star

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