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Why on earth does cafe coffee taste so much better than homemade?!

<div class="theconversation-article-body"> If you start reading the labels of the various milks at the supermarket, you’ll quickly find different fat levels, added nutrients like calcium, lactose-free options, milk from goats or sheep, and ones made from plants. Both at the supermarket and at your local café you’ve probably also seen cartons labelled “barista milk”. These can be dairy or plant milks marketed for making specialist coffee drinks such as flat whites, lattes and others. But what exactly makes a product a barista milk, and how does it differ from regular milk? <h2>What is ‘milk’, anyway?</h2> “Milk” is a regulated term. <a href="https://www.legislation.gov.au/F2015L00462/latest/text">Food Standards Australia New Zealand</a> sets requirements on fat and protein contents for dairy milk, and it has to come from “milking animals”. These standards also state what can be added or modified; only plant sterols (a supplement to reduce blood cholesterol) are allowed. Despite the name, plant-based milks aren’t bound by a specific “milk” standard. Instead, they fall under broader beverage regulations, which is why you’ll see a wide variety of ingredients, protein levels, sugars and fats from one brand to the next. Because of this regulation, manufacturers are careful to make it absolutely clear what is in the carton or bottle so there’s no confusion between cow’s milk and soy milk, for example. <h2>What is barista milk, then?</h2> Barista milks, whether dairy or plant-based, are specifically formulated to foam more reliably, with a finer texture and longer-lasting bubbles. For cow’s milk, this almost always means higher protein content: about 4–5% in barista milk compared to the 3.3–3.5% in regular milk. You’ll often see “milk solids” listed in the ingredients; this is another name for dried skim milk, added to boost the protein content. Plant-based barista milks (such as soy, oat or almond) will vary a lot more, depending on the manufacturer and the plant base. The most common additives in plant-based barista milks are: <ul> <li>vegetable oils for creaminess and thickness</li> <li>gums (such as <a href="https://www.foodingredientfacts.org/facts-on-food-ingredients/sources-of-food-ingredients/gellan-gum/">gellan</a> or <a href="https://www.foodingredientfacts.org/facts-on-food-ingredients/sources-of-food-ingredients/locust-bean-gum/">locust bean gum</a>) to increase thickness</li> <li><a href="https://www.acs.org/molecule-of-the-week/archive/m/maltodextrin.html">maltodextrin</a> (a processed starch), also for thickness, and</li> <li>emulsifiers such as <a href="https://www.foodingredientfacts.org/facts-on-food-ingredients/sources-of-food-ingredients/lecithin/">lecithin</a> – to help stop the fats and water from splitting apart.</li> </ul> <figure class="align-center zoomable"><a href="https://images.theconversation.com/files/673858/original/file-20250612-62-s01j00.jpg?ixlib=rb-4.1.0&q=45&auto=format&w=1000&fit=clip"><img src="https://images.theconversation.com/files/673858/original/file-20250612-62-s01j00.jpg?ixlib=rb-4.1.0&q=45&auto=format&w=754&fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/673858/original/file-20250612-62-s01j00.jpg?ixlib=rb-4.1.0&q=45&auto=format&w=600&h=400&fit=crop&dpr=1 600w, https://images.theconversation.com/files/673858/original/file-20250612-62-s01j00.jpg?ixlib=rb-4.1.0&q=30&auto=format&w=600&h=400&fit=crop&dpr=2 1200w, https://images.theconversation.com/files/673858/original/file-20250612-62-s01j00.jpg?ixlib=rb-4.1.0&q=15&auto=format&w=600&h=400&fit=crop&dpr=3 1800w, https://images.theconversation.com/files/673858/original/file-20250612-62-s01j00.jpg?ixlib=rb-4.1.0&q=45&auto=format&w=754&h=503&fit=crop&dpr=1 754w, https://images.theconversation.com/files/673858/original/file-20250612-62-s01j00.jpg?ixlib=rb-4.1.0&q=30&auto=format&w=754&h=503&fit=crop&dpr=2 1508w, https://images.theconversation.com/files/673858/original/file-20250612-62-s01j00.jpg?ixlib=rb-4.1.0&q=15&auto=format&w=754&h=503&fit=crop&dpr=3 2262w" alt="Close-up of a stainless steel pitcher with milk foam." /></a><figcaption>The foam in frothed milk happens through a complex interaction of ingredients and temperature. <a class="source" href="https://www.shutterstock.com/image-photo/steam-frothing-milk-under-pressure-coffee-1580168296">Dmytro Vietrov/Shutterstock</a></figcaption></figure> <h2>The science of a good foam</h2> Foam is essentially <a href="https://link.springer.com/content/pdf/10.1007/978-1-4471-3807-5_1?pdf=chapter%20toc">gas bubbles suspended in a liquid</a>. Its stability depends on a complex interaction of <a href="https://link.springer.com/chapter/10.1007/978-3-030-41661-4_24">proteins, fats</a>, <a href="https://pubs.rsc.org/en/content/articlehtml/2024/sm/d4sm00518j">sugars and other components</a>, as well as the <a href="https://www.sciencedirect.com/science/article/pii/S0958694608000873#sec3">temperature</a> at which the milk was foamed. In cow’s milk, proteins such as casein and whey form <a href="https://link.springer.com/chapter/10.1007/978-3-030-41661-4_24#citeas">ball-like structures that easily rearrange to stabilise foam</a>. These proteins help the milk fat and water stay held together, which is why dairy-based barista milks foam easily and the foam lasts longer. Fat plays a more complex role depending on temperature – there’s a sweet spot for a good foam. In cold cow’s milk, the fats are semi-solid and will make the foam collapse by breaking the bubble walls. But when heated above 40°C, these fats melt, spread better throughout the milk and easily interact with proteins to help form and stabilise the bubbles. However, overheating the milk (above 70°C) <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC5355583/">cooks and breaks</a> the whey protein balls, <a href="https://www.sciencedirect.com/science/article/pii/S0958694608000873#sec3">making it harder to create foam</a>. <h2>How barista plant milks work</h2> Plants make vastly different proteins compared to cows. However, the physical shape of proteins found in <a href="https://pubs.rsc.org/en/content/articlehtml/2024/sm/d4sm00518j">soy and oat milks is also ball-like</a>, making them good for foaming just like cow’s milk. That’s generally why you see soy and oat milks used in cafes. Barista versions of plant milks often have added vegetable oils to help mimic the fat–protein interaction in dairy. It’s what makes the milk foam stable and the liquid feel creamy. Some – but not all – barista plant milks will also have thickeners because they <a href="https://pubs.rsc.org/en/content/articlehtml/2024/sm/d4sm00518j">help the foam last longer</a>. Compared to soy and oat, almond milk is naturally low in protein. So almond barista milks will almost always contain gums, starches and emulsifiers along with added vegetable oil. Many plant milks also contain added sugars for flavour, since they lack the natural lactose found in dairy. <h2>Is barista milk worth it?</h2> Many plant-based milk formulations, especially barista ones, contain added gums, manufactured starches and emulsifiers. This qualifies them as “ultra-processed foods”, according to the <a href="https://www.cambridge.org/core/product/2A9776922A28F8F757BDA32C3266AC2A">United Nations’ classification system</a>. While the plant-based milk might not be inherently overly harmful, this classification invites reflection on how far these products have moved from their original, natural source. On the environmental side, plant-based milks typically have a <a href="https://doi.org/10.1007/s40572-023-00400-z">lower impact than cow’s milk</a>. They use less land and water and produce fewer greenhouse gases. Barista milks usually <a href="https://www.abc.net.au/news/2025-01-08/is-it-worth-spending-more-on-barista-alternative-milk/104692788">cost significantly more</a> than their regular counterpart. This premium reflects the added ingredients and research and development cost of optimising foaming and drinking characteristics. For cafés, the cost is often justified because barista milks produce a more predictable and consistent end product, leading to better customer satisfaction. For home use, it depends on your own level of foaming skill and how much you value a perfect flat white every time.<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/258583/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> By <a href="https://theconversation.com/profiles/david-chua-759559">David Chua</a>, Senior Research Projects Officer, Centre for Community Health and Wellbeing, <a href="https://theconversation.com/institutions/the-university-of-queensland-805">The University of Queensland</a> and <a href="https://theconversation.com/profiles/lauren-ball-14718">Lauren Ball</a>, Professor of Community Health and Wellbeing, <a href="https://theconversation.com/institutions/the-university-of-queensland-805">The University of Queensland</a> This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/whats-the-difference-between-barista-milk-and-regular-milk-its-what-gets-added-to-it-258583">original article</a>. Pexels / Chevanon Photography </div>

Food & Wine

Sleep divorce: could sleeping separately from your partner lead to a better night’s rest?

<div class="theconversation-article-body"> Hundreds of years ago, it was common for married couples among the European upper classes to have separate bedrooms. Sleeping separately was a <a href="https://www.bedstar.co.uk/sleep-talk/queens-and-kings-separate-beds.html">symbol of luxury and status</a> historically reserved for royalty and the very wealthy. Nowadays, it’s common for married couples and other couples in relationships to sleep in the same bed. But sometimes – for reasons from conflicting schedules to snoring to sleep talking – couples might choose to sleep separately in pursuit of a better night’s sleep. This is known as “sleep divorce”. Though I prefer the term “sleep separation”, as this doesn’t have to be a permanent arrangement – but more on that later. So why might couples choose to sleep separately? And what does the evidence say about the effects on sleep quality if you sleep alone versus with a partner? <h2>Why do couples opt for a sleep separation?</h2> Couples may choose to sleep apart if one partner’s sleep is disturbing the other’s, or both are disrupting one another. This can happen for a variety of reasons. These include waking up frequently in the night, mismatched body clocks (for example, one person coming to bed later than the other), conflicting schedules (for example, shift workers), snoring, twitching legs or sleep talking. Parents with babies and young children may choose to sleep separately to avoid both partners’ sleep being disturbed. Those with conflicting preferences for sleeping environments, such as one partner liking a cool room with a fan and the other preferring warmth, may also decide to sleep apart. <h2>What are the benefits of sleeping alone?</h2> Many couples <a href="https://pubmed.ncbi.nlm.nih.gov/22609123/">say they prefer</a> to sleep – and sleep better – next to their partner. But when scientists measure sleep objectively, such as via an electroencephalogram (EEG) to assess brain waves, the data actually shows <a href="https://pubmed.ncbi.nlm.nih.gov/22609123/">poorer sleep quality</a> when co-sleeping. So sleeping alone may, in fact, mean better quality and longer sleep. Research also shows when one member of the couple has a sleep disorder, such as insomnia or <a href="https://www.healthdirect.gov.au/obstructive-sleep-apnoea">sleep apnoea</a> (where breathing is frequently interrupted during sleep), these people often inadvertently <a href="https://pubmed.ncbi.nlm.nih.gov/10818830/">wake up their partner</a> <a href="https://pubmed.ncbi.nlm.nih.gov/31553049/">when they wake</a> in the night. So sleeping alone could be a good idea if your bed partner has a sleep disorder. What’s more, <a href="https://journals.sagepub.com/doi/abs/10.1177/02654075231193449">studies have found</a> <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC2644899/">sleep disturbances</a> are linked to <a href="https://pubmed.ncbi.nlm.nih.gov/15164910/">reduced relationship satisfaction</a>. So sleeping apart could actually mean happier couples. Finally, anyone who has struggled with their sleep will know anxiety around sleep is common. Many clients I have seen who experience insomnia report sleeping alone can alleviate some of their anxiety because at least they know they won’t disturb, or be disturbed by, their partner. <h2>Are there any downsides to separate sleeping arrangements?</h2> Some people dislike sleeping alone, reporting comfort, and feelings of safety and protection when sleeping alongside their partner – and loneliness when they don’t. Sleeping separately also requires two rooms, or at least two beds. Many couples may not have these options available to them in their home. Sleeping separately is <a href="https://www.abc.net.au/news/2023-06-22/couples-on-why-they-love-sleeping-separately/102448812">often stigmatised</a>, with some people seeing it as the death of a couple’s sex life. But while sleeping in separate beds may provide fewer opportunities for sex, this doesn’t necessarily mean the end of intimacy. Sleeping apart could mean some couples actually have more sex. We know better sleep is linked to more <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC2644899/">positive feelings about relationships</a>, so it’s possible the desire to be intimate could increase after a good night’s sleep in separate beds. Sleeping apart may even mean some couples have more energy to be intimate. Nonetheless, if you choose to sleep separately from your partner, it’s important to have an open discussion and prioritise opportunities for connection and intimacy. One client I worked with referred to “visiting rights” where her partner came into her bed for a short period before sleep or in the morning. <h2>Who should potentially consider a sleep separation?</h2> You may wish to think about a “sleep separation” if you are disturbing each other’s sleep, have young children, or have different preferences in terms of temperature, light and noise, which are causing issues. Ultimately, if sleeping in the same bed is leading to poor sleep then sleeping apart, if it’s possible, could help. If you can’t sleep separately there may be other ways to reduce disturbance from a partner such as using an eye mask, white noise or earplugs. If you decide to try a sleep separation, remember this can be a flexible arrangement or “re-set” and doesn’t have to be permanent, or every night. Some couples find sleeping separately during the working week but sharing a bed on the weekend works well for them. Lastly, it’s important to talk to your GP about any persistent sleep problems, such as snoring, insomnia, or unusual behaviour during sleep (for example, shouting or walking around), as there may be an underlying sleep disorder which needs treating.<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/258085/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> By <a href="https://theconversation.com/profiles/alix-mellor-2406858">Alix Mellor</a>, Research Fellow, Psychology, <a href="https://theconversation.com/institutions/monash-university-1065">Monash University</a> This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/sleep-divorce-could-sleeping-separately-from-your-partner-lead-to-a-better-nights-rest-258085">original article</a>. Image: Pexels / Kampus Production </div>

Relationships

How old are you really? Are the latest ‘biological age’ tests all they’re cracked up to be?

<div class="theconversation-article-body"> We all like to imagine we’re ageing well. Now a simple blood or saliva test promises to tell us by measuring our “<a href="https://www.si.com/soccer/cristiano-ronaldo-shocking-biological-age">biological age</a>”. And then, as many have done, we can <a href="https://nypost.com/2024/07/25/entertainment/khloe-kardashian-40-learns-her-biological-age-is-28/">share</a> how “young” we really are on social media, along with our secrets to success. While chronological age is how long you have been alive, <a href="https://www.medicalnewstoday.com/articles/chronological-aging">measures of biological age</a> aim to indicate how old your body actually is, purporting to measure “wear and tear” at a molecular level. <blockquote class="twitter-tweet"> Cristiano Ronaldo is biologically 29 years old! 😱 CR7’s WHOOP stats put his body at 12 years younger than his actual age! 💪 Cristiano’s dedication to his health and longevity is second to none 👏 (Via <a href="https://twitter.com/Cristiano?ref_src=twsrc%5Etfw">@cristiano</a>/<a href="https://twitter.com/WHOOP?ref_src=twsrc%5Etfw">@WHOOP</a>) <a href="https://t.co/PwKqc77031">pic.twitter.com/PwKqc77031</a> — DAZN Football (@DAZNFootball) <a href="https://twitter.com/DAZNFootball/status/1925894821203321009?ref_src=twsrc%5Etfw">May 23, 2025</a></blockquote> The appeal of these tests is undeniable. Health-conscious consumers may see their results as reinforcing their anti-ageing efforts, or a way to show their journey to better health is paying off. But how good are these tests? Do they actually offer useful insights? Or are they just clever marketing dressed up to look like science? <h2>How do these tests work?</h2> Over time, the chemical processes that allow our body to function, known as our “metabolic activity”, lead to damage and a decline in the activity of our cells, tissues and organs. Biological age tests aim to capture some of these changes, offering a snapshot of how well, or how poorly, we are <a href="https://www.aginganddisease.org/EN/10.14336/AD.2022.1107">ageing on a cellular level</a>. Our DNA is also affected by the ageing process. In particular, chemical tags (methyl groups) attach to our DNA and affect gene expression. These changes occur in predictable ways with age and environmental exposures, in a process called methylation. Research studies have used “epigenetic clocks”, which measure the methylation of our genes, to estimate biological age. By analysing methylation levels at specific sites in the genome from participant samples, researchers apply predictive models to estimate the cumulative wear and tear on the body. <h2>What does the research say about their use?</h2> Although the science is rapidly evolving, the evidence underpinning the use of epigenetic clocks to measure biological ageing in research studies is <a href="https://pubmed.ncbi.nlm.nih.gov/39743988/">strong</a>. Studies have shown epigenetic biological age estimation is a <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC5940111/">better predictor</a> of the risk of death and ageing-related diseases than chronological age. Epigenetic clocks also have been found to <a href="https://www.sciencedirect.com/science/article/pii/S1279770725001277?dgcid=rss_sd_all">correlate strongly</a> with lifestyle and environmental exposures, such as smoking status and diet quality. In addition, they have been found to be able to <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC8484046/">predict</a> the risk of conditions such as cardiovascular disease, which can lead to heart attacks and strokes. Taken together, a growing body of research indicates that at a population level, epigenetic clocks are robust measures of biological ageing and are strongly linked to the risk of <a href="https://www.aginganddisease.org/EN/10.14336/AD.2022.1107">disease and death</a> <h2>But how good are these tests for individuals?</h2> While these tests are valuable when studying populations in research settings, using epigenetic clocks to measure the biological age of individuals is a different matter and requires scrutiny. For testing at an individual level, perhaps the most important consideration is the “signal to noise ratio” (or precision) of these tests. This is the question of whether a single sample from an individual may yield widely differing results. A <a href="https://www.nature.com/articles/s43587-022-00248-2">study from 2022</a> found samples deviated by up to nine years. So an identical sample from a 40-year-old may indicate a biological age of as low as 35 years (a cause for celebration) or as high as 44 years (a cause of anxiety). While there have been significant improvements in these tests over the years, there is considerable <a href="https://www.nature.com/articles/s43587-022-00248-2">variability</a> in the precision of these tests between commercial providers. So depending on who you send your sample to, your estimated biological age may vary considerably. <blockquote class="twitter-tweet"> Khloé Kardashian, 40, learns her biological age after confessing bad eating habits <a href="https://t.co/vlipIl9Im2">https://t.co/vlipIl9Im2</a> <a href="https://t.co/s1zRdpht0K">pic.twitter.com/s1zRdpht0K</a> — New York Post (@nypost) <a href="https://twitter.com/nypost/status/1816322940532650399?ref_src=twsrc%5Etfw">July 25, 2024</a></blockquote> Another limitation is there is currently no standardisation of methods for this testing. Commercial providers perform these tests in <a href="https://www.livescience.com/health/ageing/new-biological-aging-test-predicts-your-odds-of-dying-within-the-next-12-months">different ways</a> and have different algorithms for estimating biological age from the data. As you would expect for commercial operators, providers don’t disclose their methods. So it’s difficult to compare companies and determine who provides the most accurate results – and what you’re getting for your money. A third limitation is that while epigenetic clocks correlate well with ageing, they are simply a “<a href="https://frontlinegenomics.com/opinion-direct-to-consumer-epigenetic-tests-are-not-getting-enough-scrutiny/#:%7E:text=Companies%20claim%20that%20epigenetic%20variants,in%20the%20usual%20DTC%20scrutiny">proxy</a>” and are not a diagnostic tool. In other words, they may provide a general indication of ageing at a cellular level. But they don’t offer any specific insights about what the issue may be if someone is found to be “ageing faster” than they would like, or what they’re doing right if they are “ageing well”. So regardless of the result of your test, all you’re likely to get from the commercial provider of an epigenetic test is generic advice about what the science says is healthy behaviour. <h2>Are they worth it? Or what should I do instead?</h2> While companies offering these tests may have good intentions, remember their ultimate goal is to sell you these tests and make a profit. And at a cost of around A$500, they’re not cheap. While the idea of using these tests as a personalised health tool has potential, it is clear that <a href="https://www.theguardian.com/science/2022/jun/13/biological-age-startups-why">we are not there yet</a>. For this to become a reality, tests will need to become more reproducible, standardised across providers, and validated through long-term studies that link changes in biological age to specific behaviours. So while one-off tests of biological age make for impressive social media posts, for most people they represent a significant cost and offer limited real value. The good news is we already know what we need to do to increase our chances of living longer and healthier lives. These <a href="https://theconversation.com/you-cant-reverse-the-ageing-process-but-these-5-things-can-help-you-live-longer-214580">include</a>: <ul> <li>improving our diet</li> <li>increasing physical activity</li> <li>getting enough <a href="https://academic.oup.com/sleep/article/47/1/zsad253/7280269">sleep</a></li> <li>quitting smoking</li> <li><a href="https://theconversation.com/how-much-stress-is-too-much-a-psychiatrist-explains-the-links-between-toxic-stress-and-poor-health-and-how-to-get-help-222245">reducing stress</a></li> <li>prioritising social connection.</li> </ul> We don’t need to know our biological age in order to implement changes in our lives right now to improve our health. <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/257710/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" />By <a href="https://theconversation.com/profiles/hassan-vally-202904">Hassan Vally</a>, Associate Professor, Epidemiology, <a href="https://theconversation.com/institutions/deakin-university-757">Deakin University</a> This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/how-old-are-you-really-are-the-latest-biological-age-tests-all-theyre-cracked-up-to-be-257710">original article</a>. Image: Pexels / Cottonbro Studio </div>

Body

How Iran will likely retaliate following US military strikes

US President Donald Trump’s decision to launch airstrikes on Iran’s nuclear facilities has plunged the Middle East into renewed uncertainty, with fears escalating over how Tehran might respond in the coming days. Speaking from Istanbul on Sunday, Iran’s Foreign Minister Abbas Araghchi condemned the strikes as a “grave violation” of the UN Charter, international law, and the Nuclear Non-Proliferation Treaty (NPT). In a statement posted to social media, Araghchi warned that Iran has “a variety of options” for retaliation. “The events this morning are outrageous and will have everlasting consequences,” Araghchi said. “In accordance with the UN Charter and its provisions allowing a legitimate response in self-defence, Iran reserves all options to defend its sovereignty, interests, and people.” UN Secretary-General Antonio Guterres voiced deep concern over the escalation, warning of a “growing risk that this conflict could rapidly get out of control”. Potential Flashpoints for Retaliation Experts say Iran could target US military interests across the region. With around 40,000 US troops stationed at 19 sites in the Middle East – including 2,500 in Iraq – Iran’s Islamic Revolutionary Guard Corps (IRGC) may turn to its network of proxies in Iraq, Syria, and Yemen. The Iran-backed Houthi rebels have already hinted at renewed attacks on US ships in the Red Sea, calling for Trump to “bear the consequences” of the strikes. Iran might also seek to disrupt global oil trade by attempting to close the Strait of Hormuz, a vital shipping lane for 20 million barrels of oil per day. Such a move could send shockwaves through global markets, pushing up oil prices and jeopardising Trump’s economic agenda. Meanwhile, hardline voices in Tehran are calling for missile strikes in retaliation. Hossein Shariatmadari, a prominent adviser to Iran’s Supreme Leader, warned that after the US attack on the Fordow nuclear facility, “it is now our turn.” Nuclear Fallout Analysts fear that Trump’s actions could push Iran to abandon diplomacy altogether and accelerate its nuclear ambitions. Trita Parsi of the Quincy Institute said the strike “guaranteed that Iran will be a nuclear weapons state in the next five to 10 years”, particularly if hardliners take power. There is also speculation that Iran may withdraw from the NPT, removing one of the last formal restraints on its nuclear program. Ali Vaez of the International Crisis Group said an NPT withdrawal is “quite likely.” A War of Attrition or Asymmetric Warfare? Faced with overwhelming US and Israeli military power, Iran could opt for a war of attrition, using asymmetric tactics such as cyberattacks and terrorism to wear down its adversaries. The IRGC, while damaged by Israeli strikes, still retains the capacity to carry out operations both within and beyond the region, experts say. The Diplomatic Deadlock Hopes for renewed nuclear talks appear dim. Araghchi said on Sunday that the US had “blown up” diplomatic efforts, accusing both Washington and Tel Aviv of sabotaging negotiations. While talks with European powers reportedly made some progress last week, analysts say the latest escalation has likely shut the door on diplomacy – at least for now. “Their aim is to force Trump to stop Netanyahu’s war,” said Parsi, referring to Israel’s Prime Minister. “But by doing so, Tehran may have handed Israel a veto on US-Iran diplomacy.” As the world watches for Tehran’s next move, the stakes could hardly be higher – for Iran, for the region and for global stability. Images: Supplied

Legal

How sleep loss can lead to weight gain – and worse

<div class="theconversation-article-body"> You stayed up too late scrolling through your phone, answering emails or watching just one more episode. The next morning, you feel groggy and irritable. That sugary pastry or greasy breakfast sandwich suddenly looks more appealing than your usual yogurt and berries. By the afternoon, chips or candy from the break room call your name. This isn’t just about willpower. Your brain, short on rest, is nudging you toward quick, high-calorie fixes. There is a reason why this cycle repeats itself so predictably. Research shows that <a href="https://doi.org/10.1038/s41574-022-00747-7">insufficient sleep disrupts hunger signals</a>, <a href="https://doi.org/10.1016/j.smrv.2021.101514">weakens self-control</a>, <a href="https://doi.org/10.1016/j.metabol.2018.02.010">impairs glucose metabolism</a> and <a href="https://doi.org/10.1002/oby.23539">increases your risk of weight gain</a>. These changes <a href="https://doi.org/10.1523/JNEUROSCI.0250-18.2018">can occur rapidly</a>, even after a single night of poor sleep, and <a href="https://doi.org/10.1111/nyas.14926">can become more harmful over time</a> if left unaddressed. I am a <a href="https://scholar.google.com/citations?user=sTqquL0AAAAJ&hl=en">neurologist specializing in sleep science</a> and its impact on health. Sleep deprivation affects millions. According to the Centers for Disease Control and Prevention, more than one-third of U.S. adults <a href="https://www.cdc.gov/sleep/data-research/facts-stats/adults-sleep-facts-and-stats.html">regularly get less than seven hours of sleep</a> per night. Nearly three-quarters of adolescents <a href="https://www.cdc.gov/sleep/data-research/facts-stats/high-school-students-sleep-facts-and-stats.html?utm_source=chatgpt.com">fall short of the recommended 8-10 hours sleep</a> during the school week. While anyone can suffer from sleep loss, essential workers and first responders, including nurses, firefighters and emergency personnel, are <a href="https://doi.org/10.1136/bmj.i5210">especially vulnerable</a> <a href="https://doi.org/10.3390/jcm13154505">due to night shifts and rotating schedules</a>. These patterns disrupt the body’s internal clock and are linked to increased cravings, poor eating habits and elevated risks for obesity and metabolic disease. Fortunately, even a few nights of consistent, high-quality sleep can help rebalance key systems and start to reverse some of these effects. <h2>How sleep deficits disrupt hunger hormones</h2> Your body regulates hunger through a <a href="https://doi.org/10.1056/NEJMra2402679">hormonal feedback loop</a> <a href="https://doi.org/10.1016/j.peptides.2025.171367">involving two key hormones</a>. Ghrelin, produced primarily in the stomach, signals that you are hungry, while leptin, which is produced in the fat cells, tells your brain that you are full. Even one night of restricted sleep <a href="https://doi.org/10.1002/oby.23616">increases the release of ghrelin and decreases leptin</a>, which leads to greater hunger and reduced satisfaction after eating. This shift is driven by changes in how the <a href="https://doi.org/10.1002/oby.23616">body regulates hunger</a> and stress. Your brain becomes less responsive to fullness signals, while at the same time <a href="https://doi.org/10.1111/obr.13051">ramping up stress hormones</a> that can increase cravings and appetite. These changes are not subtle. In controlled lab studies, healthy adults reported <a href="https://doi.org/10.1111/j.1365-2869.2008.00662.x">increased hunger and stronger cravings</a> for calorie-dense foods after sleeping only four to five hours. The effect worsens with ongoing sleep deficits, which can lead to a <a href="https://doi.org/10.1111/obr.13051">chronically elevated appetite</a>. <figure><iframe src="https://www.youtube.com/embed/r6pItuOoGxc?wmode=transparent&start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe><figcaption>Sleep is as important as diet and exercise in maintaining a healthy weight.</figcaption></figure> <h2>Why the brain shifts into reward mode</h2> Sleep loss changes how your brain evaluates food. Imaging studies show that <a href="https://doi.org/10.1038/ncomms3259">after just one night of sleep deprivation</a>, the prefrontal cortex, which is responsible for decision-making and impulse control, <a href="https://doi.org/10.3945/ajcn.111.027383">has reduced activity</a>. At the same time, <a href="https://doi.org/10.1523/JNEUROSCI.0250-18.2018">reward-related areas such as the amygdala</a> and the nucleus accumbens, a part of the brain that drives motivation and reward-seeking, become <a href="https://doi.org/10.1093/sleep/zsx125">more reactive to tempting food cues</a>. In simple terms, your brain becomes more tempted by junk food and less capable of resisting it. Participants in sleep deprivation studies not only rated high-calorie foods as more desirable but were also <a href="https://doi.org/10.3945/ajcn.111.027383">more likely to choose them</a>, regardless of how hungry they actually felt. <h2>Your metabolism slows, leading to increased fat storage</h2> Sleep is also critical for blood sugar control. When you’re well rested, your body efficiently uses insulin to move sugar out of your bloodstream and into your cells for energy. But even one night of partial sleep can <a href="https://doi.org/10.1210/jc.2009-2430">reduce insulin sensitivity by up to 25%</a>, leaving more sugar circulating in your blood. If your body can’t process sugar effectively, it’s more likely to convert it into fat. This contributes to weight gain, especially around the abdomen. Over time, poor sleep is associated with <a href="https://doi.org/10.1161/CIR.0000000000000444">higher risk for Type 2 diabetes and metabolic syndrome</a>, a <a href="https://www.mayoclinic.org/diseases-conditions/metabolic-syndrome/symptoms-causes/syc-20351916">group of health issues</a> such as high blood pressure, belly fat and high blood sugar that raise the risk for heart disease and diabetes. On top of this, sleep loss raises cortisol, your body’s main stress hormone. <a href="https://doi.org/10.1210/jc.2013-4254">Elevated cortisol encourages fat storage</a>, especially in the abdominal region, and can further disrupt appetite regulation. <h2>Sleep is your metabolic reset button</h2> In a culture that glorifies hustle and late nights, sleep is often treated as optional. But your body doesn’t see it that way. Sleep is not downtime. It is active, essential repair. It is when your brain recalibrates hunger and reward signals, your hormones reset and your metabolism stabilises. Just one or two nights of quality sleep can begin to <a href="https://doi.org/10.1152/ajpendo.00301.2013">undo the damage from prior sleep loss</a> and restore your body’s natural balance. So the next time you find yourself reaching for junk food after a short night, recognize that your biology is not failing you. It is reacting to stress and fatigue. The most effective way to restore balance isn’t a crash diet or caffeine. It’s sleep. Sleep is not a luxury. It is your most powerful tool for appetite control, energy regulation and long-term health.<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/255726/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/joanna-fong-isariyawongse-1470879">Joanna Fong-Isariyawongse</a>, Associate Professor of Neurology, <a href="https://theconversation.com/institutions/university-of-pittsburgh-854">University of Pittsburgh</a> This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/sleep-loss-rewires-the-brain-for-cravings-and-weight-gain-a-neurologist-explains-the-science-behind-the-cycle-255726">original article</a>. Image: Pexels / Ron Lach </div>

Body

Scientists unpack the latest trend for getting better sleep

<div class="theconversation-article-body"> If you’ve been on social media lately – perhaps scrolling in the middle of the night, when you know you shouldn’t but you just can’t sleep – you might have seen those videos promoting a get-to-sleep technique called “cognitive shuffling”. The idea, proponents say, is to engage your mind with random ideas and images via a special formula: <ol> <li>pick a random word (such as “cake”)</li> <li>focus on the first letter of the word (in this case, C) and list a bunch of words starting with that letter: cat, carrot, calendar and so on</li> <li>visualise each word as you go along</li> <li>when you feel ready, move onto the next letter (A) and repeat the process</li> <li>continue with each letter of the original word (so, in this case, K and then E) until you feel ready to switch to a new word or until you drift off to sleep.</li> </ol> It’s popular on Instagram and TikTok, but does “cognitive shuffling” have any basis in science? <h2>Where did this idea come from?</h2> The cognitive shuffling technique was made famous by Canada-based researcher Luc P. Beaudoin more than a decade ago, when he published a <a href="https://summit.sfu.ca/item/12143">paper</a> about how what he called “serial diverse imagining” could help with sleep. One of Beaudoin’s hypothetical <a href="https://summit.sfu.ca/item/12143">examples</a> involved a woman thinking of the word “blanket”, then thinking bicycle (and imagining a bicycle), buying (imagining buying shoes), banana (visualising a banana tree) and so on. Soon, Beaudoin <a href="https://summit.sfu.ca/item/12143">writes</a>, she moves onto the letter L, thinking about her friend Larry, the word “like” (imagining her son hugging his dog). She soon transitions to the letter A, thinking of the word “Amsterdam”: <blockquote> and she might very vaguely imagine the large hand of a sailor gesturing for another order of fries in an Amsterdam pub while a rancid accordion plays in the background. </blockquote> Sleep soon ensues. The goal, <a href="https://summit.sfu.ca/item/17237">according to Beaudoin</a>, is to think briefly about: <blockquote> a neutral or pleasant target and frequently [switch] to unrelated targets (normally every 5-15 seconds). </blockquote> Don’t try to relate one word with another or find a link between the words; resist the mind’s natural tendency toward sense-making. While the research into this technique is still in its infancy, the idea is grounded in science. That’s because we know from <a href="https://pubmed.ncbi.nlm.nih.gov/31918338/">other research</a> good sleepers tend to have different kinds of thoughts in bed to bad sleepers. People with insomnia are <a href="https://www.sciencedirect.com/science/article/pii/S0005796799001369?casa_token=Ycf204NAkdYAAAAA:EIYBaXLXetofajJ46yu0AQXfGRAmLsWIwP0S1Dzkaj1_X8Q_2GWbSnpiuqVseJuJ-Znj3Mrl39s">more focused on worries</a>, problems, or noises in the environment, and are often preoccupied with not sleeping. Good sleepers, on the other hand, typically have <a href="https://www.sciencedirect.com/science/article/pii/S1053810098903336">dream-like, hallucinatory, less ordered thoughts</a> before nodding off. <h2>Sorting the pro-somnolent wheat from the insomnolent chaff</h2> Cognitive shuffling attempts to mimic the thinking patterns of good sleepers by simulating the dream-like and random thought patterns they generally have before drifting off to sleep. In particular, Beaudoin’s <a href="https://summit.sfu.ca/item/17237">research</a> describes two types of sleep-related thoughts: insomnolent (or anti-sleep) and pro-somnolent (sleep-promoting) thoughts. Insomnolent thoughts include things such as worrying, planning, rehearsing, and ruminating on perceived problems or failings. Pro-somnolent thoughts on the other hand involve thoughts that can help you fall asleep, such as dream-like imagery or having a calm, relaxed state of mind. Cognitive shuffling aims to distract from or interfere with insomnolent thought. It offers a calm, neutral path for your racing mind, and can reduce the stress associated with not sleeping. Cognitive shuffling also helps tell your brain you are ready for sleep. In fact, the process of “shuffling” between different thoughts is similar to the way your brain naturally drifts off to sleep. During the transition to sleep, <a href="https://www.sciencedirect.com/science/article/pii/S0987705324000121">brain activity</a> slows. Your brain starts to generate disconnected images and fleeting scenes, known as hypnagogic hallucinations, without a conscious effort to make sense of them. By mimicking these scattered, disconnected, and random thought patterns, cognitive shuffling may help you transition from wakefulness to sleep. And the preliminary research into this is promising. Beaudoin and his team have <a href="https://www.researchgate.net/publication/277325155_A_test_of_the_somnolent_mentation_theory_and_the_cognitive_shuffle_insomnia_treatment">found</a> <a href="https://www.researchgate.net/publication/300004607_Serial_Diverse_Imagining_Task_A_New_Remedy_for_Bedtime_Complaints_of_Worrying_and_Other_Sleep-Disruptive_Mental_Activity">serial diverse imagining</a> helps to lower arousal before sleep, improve sleep quality and reduce the effort involved in falling asleep. However, with only a small number of research studies, more work is needed here. <h2>It didn’t work. Now what?</h2> As with every new strategy, however, practise makes perfect. Don’t be disheartened if you don’t see an improvement straight away; these things take time. Stay consistent and be kind to yourself. And what works for some won’t work for others. Different people benefit from different types of strategies depending on how they relate to and experience stress or stressful thoughts. Other <a href="https://onlinelibrary.wiley.com/doi/pdf/10.1111/jsr.13763">strategies</a> to help create the right conditions for sleep include: <ul> <li>keeping a consistent pre-bedtime routine, so your brain can wind down</li> <li><a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC6557693/?undefined&utm_medium=organic&utm_source=blog&utm_campaign=meditation-for-sleep">watching your thoughts, without judgement</a>, as you lie in bed</li> <li>writing down worries or <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC5758411/">to-do lists</a> earlier in the day so you don’t think about them at bedtime.</li> </ul> If, despite all your best efforts, night time thoughts continue to impact your sleep or overall wellbeing, consider seeking professional help from your doctor or a trained sleep specialist.<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/256444/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> By <a href="https://theconversation.com/profiles/melinda-jackson-169319">Melinda Jackson</a>, Associate Professor at Turner Institute for Brain and Mental Health, School of Psychological Sciences, <a href="https://theconversation.com/institutions/monash-university-1065">Monash University</a> and <a href="https://theconversation.com/profiles/eleni-kavaliotis-2396793">Eleni Kavaliotis</a>, Research Fellow in the Sleep, Cognition, and Mood Laboratory at Monash University, <a href="https://theconversation.com/institutions/monash-university-1065">Monash University</a> This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/what-is-cognitive-shuffling-and-does-it-really-help-you-get-to-sleep-two-sleep-scientists-explain-256444">original article</a>. Image: SHVETS production / Pexels </div>

Mind

Jaws at 50: how two musical notes terrified an entire generation

<div class="theconversation-article-body"> Our experience of the world often involves hearing our environment before seeing it. Whether it’s the sound of something moving through nearby water, or the rustling of vegetation, our fear of the unseen is rooted in our survival instincts as a species. Cinematic sound and music taps into these somewhat unsettling instincts – and this is exactly what director Steven Spielberg and composer John Williams achieved in the iconic 1975 thriller Jaws. The sound design and musical score work in tandem to confront the audience with a mysterious killer animal. In what is arguably the film’s most iconic scene, featuring beach swimmers’ legs flailing underwater, the shark remains largely unseen – yet the sound perfectly conveys the threat at large. <figure><iframe src="https://www.youtube.com/embed/rW23RsUTb2Y?wmode=transparent&start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe></figure> <h2>Creating tension in a soundtrack</h2> Film composers aim to create soundscapes that will profoundly move and influence their audience. And they express these intentions through the use of musical elements such as rhythm, harmony, tempo, form, dynamics, melody and texture. In Jaws, the initial encounter with the shark opens innocently with the sound of an offshore buoy and its clanging bell. The scene is established both musically and atmospherically to evoke a sense of isolation for the two characters enjoying a late-night swim on an empty beach. But once we hear the the low strings, followed by the central two-note motif played on a tuba, we know something sinister is afoot. <figure><iframe src="https://www.youtube.com/embed/yrEvK-tv5OI?wmode=transparent&start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe></figure> This compositional technique of alternating between two notes at an increasing speed has long been employed by composers, including by Antonín Dvořák in his 1893 work <a href="https://www.youtube.com/watch?v=jOofzffyDSA&pp=ygUcdGhlIG5ldyB3b3JsZCBzeW1waG9ueSBuby4gOQ==">New World Symphony</a>. John Williams <a href="https://limelight-arts.com.au/features/the-music-of-jaws-an-interview-with-john-williams/">reportedly used</a> six basses, eight cellos, four trombones and a tuba to create the blend of low frequencies that would go on to define his entire Jaws score. The bass instruments emphasise the lower end of the musical frequency spectrum, evoking a dark timbre that conveys depth, power and intensity. String players can use various <a href="https://en.wikipedia.org/wiki/Violin_technique">bowing techniques</a>, such as staccato and marcato, to deliver dark and even menacing tones, especially in the lower registers. Meanwhile, there is a marked absence of tonality in the repeating E–F notes, played with increasing speed on the tuba. Coupled with the intensifying dynamics in the instrumental blend, this accelerating two-note motif signals the looming danger before we even see it – tapping into our instinctive fear of the unknown. <figure><iframe src="https://www.youtube.com/embed/BQKLJ2MuHvY?wmode=transparent&start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe></figure> The use of the two-note motif and lower-end orchestration characterises a composition style that aims to unsettle and disorientate the audience. Another example of this style can be heard in Bernard Herrmann’s <a href="https://www.youtube.com/watch?v=9kvzZ6nkZ6Q">car crash scene audio</a> in North by Northwest (1959). Similarly, in Sergei Prokofiev’s <a href="https://www.youtube.com/watch?app=desktop&v=Y4U7wNZu-CU%22%22">Scythian Suite</a>, the opening of the second movement (Dance of the Pagan Gods) uses an alternating D#–E motif. The elasticity of Williams’ motif allows the two notes to be played on different instruments throughout the soundtrack, exploring various timbral possibilities to induce a kaleidoscope of fear, panic and dread. <h2>The psychology behind our response</h2> What is it that makes the Jaws soundtrack so psychologically confronting, even without the visuals? Music scholars have various theories. <a href="https://boldentrance.com/the-power-of-jaws-is-in-john-williams-two-note-musical-score/">Some suggest</a> the two notes imitate the sound of human respiration, while others have proposed the theme evokes the heartbeat of a shark. Williams explained his approach <a href="https://www.latimes.com/entertainment/la-ca-john-williams-20120108-story.html">in an interview</a> with the Los Angeles Times: <blockquote> I fiddled around with the idea of creating something that was very … brainless […] Meaning something could be very repetitious, very visceral, and grab you in your gut, not in your brain. […] It could be something you could play very softly, which would indicate that the shark is far away when all you see is water. Brainless music that gets louder and gets closer to you, something is gonna swallow you up. </blockquote> Williams plays with the audience’s emotions throughout the film’s score, culminating in the scene Man Against Beast – a celebration of thematic development and heightened orchestration. <figure><iframe src="https://www.youtube.com/embed/xrjUIz7fy6c?wmode=transparent&start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe></figure> The film’s iconic soundtrack has created a legacy that extends beyond the visual. And this suggests the score isn’t just a soundtrack – but a character in its own right. By using music to reveal what is hidden, Williams creates an intense emotional experience rife with anticipation and tension. The score’s two-note motif showcases his genius – and serves as a sonic shorthand that has kept a generation behind the breakers of every beach.<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/258068/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> By <a href="https://theconversation.com/profiles/alison-cole-1443114">Alison Cole</a>, Composer and Lecturer in Screen Composition, Sydney Conservatorium of Music, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a> This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/jaws-at-50-how-two-musical-notes-terrified-an-entire-generation-258068">original article</a>. Image: </div>

Movies

Is it better to shower in the morning or at night?

<div class="theconversation-article-body"> It’s a question that’s long been the cause of debate: is it better to shower in the morning or at night? Morning shower enthusiasts will say this is the obvious winner, as it helps you wake up and start the day fresh. Night shower loyalists, on the other hand, will argue it’s better to “wash the day away” and relax before bed. But what does the research actually say? As a microbiologist, I can tell you there actually is a clear answer to this question. First off, it’s important to stress that showering is an integral part of any good hygiene routine — regardless of when you prefer to have one. Showering helps us remove dirt and oil from <a href="https://royalsocietypublishing.org/doi/10.1098/rspb.2015.2586">our skin</a>, which can help prevent skin rashes and infections. Showering also removes sweat, which can quell body odour. Although many of us think that body odour is caused by sweat, it’s actually produced by bacteria that live on the surface of our skin. Fresh sweat is, in fact, odourless. But skin-dwelling bacteria – specifically <a href="https://www.cdc.gov/staphylococcus-aureus/about/index.html">staphylococci</a> – use sweat as a direct nutrient source. When they break down the sweat, it releases a sulphur-containing compound called <a href="https://www.nature.com/articles/s41598-020-68860-z">thioalcohols</a> which is behind that pungent BO stench many of us are familiar with. <h2>Day or night?</h2> During the day, your body and hair inevitably collect pollutants and allergens (such as dust and pollen) alongside their usual accumulation of sweat and sebaceous oil. While some of these particles will be <a href="https://onlinelibrary.wiley.com/doi/epdf/10.1111/all.16378">retained by your clothes</a>, others will inevitably be transferred to your <a href="https://pubmed.ncbi.nlm.nih.gov/16364170/">sheets and pillow cases</a>. The sweat and oil from you skin will also support the growth of the bacteria that comprise your <a href="https://academic.oup.com/femsle/article-abstract/362/16/fnv111/558026?redirectedFrom=fulltext">skin microbiome</a>. These bacteria may then also be transferred from your body <a href="https://www.scirp.org/journal/paperinformation?paperid=40029">onto your sheets</a>. Showering at night may remove some of the allergens, sweat and oil picked up during the day so less ends up on your bedsheets. However, even if you’ve freshly showered before bed, you will still <a href="https://washingtoncitypaper.com/article/221338/straight-dope-do-you-really-sweat-one-liter-each-night/">sweat during the night</a> – whatever the temperature is. Your skin microbes will then eat the nutrients in that sweat. This means that by the morning, you’ll have both deposited microbes onto your bed sheets and you’ll probably also wake up with some BO. What particularly negates the cleaning benefits of a night shower is if your bedding is not regularly laundered. The odour causing microbes present in your bed sheets may be transferred while you sleep onto your clean body. Showering at night also does not stop your <a href="https://doi.org/10.1136/jcp.18.1.16">skin cells</a> being shed. This means they can potentially become the food source of house dust mites, whose waste can be allergenic. If you don’t regularly wash your sheets, this could lead to a build-up of dead skin cell deposits which will feed more dust mites. The droppings from these dust mites can <a href="https://aafa.org/allergies/types-of-allergies/insect-allergy/dust-mite-allergy/">trigger allergies</a> and <a href="https://www.asthmaandlung.org.uk/living-with/indoor-air-pollution/home#dust-mites">exacerbate asthma</a>. Morning showers, on the other hand, can help remove dead skin cells as well as any sweat or bacteria you’ve picked up from your bed sheets during the night. This is especially important to do if your sheets weren’t freshly washed when you went to bed. A morning shower suggests your body will be cleaner of night-acquired <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC7690701/">skin microbes</a> when putting on fresh clothes. You’ll also start the day with less sweat for odour-producing bacteria to feed on – which will probably help you smell fresher for longer during the day compared to someone who showered at night. As a microbiologist, I am a day shower advocate. Of course, everyone has their own shower preference. Whatever time you choose, remember that the effectiveness of your shower is influenced by many aspects of your personal hygiene regime – such as how frequently you <a href="https://www.scirp.org/journal/paperinformation?paperid=40029">wash your bed sheets</a>. So regardless of whether your prefer a morning or evening shower, it’s important to clean your bed linen regularly. You should launder your sheets and pillow cases at least weekly to remove all the sweat, bacteria, <a href="https://doi.org/10.1136/jcp.18.1.16">dead skin cells</a> and sebaceous oils that have built up on your sheets. Washing will also remove any <a href="https://onlinelibrary.wiley.com/doi/epdf/10.1111/all.16378">fungal spores</a> that might be growing on the bed linen – alongside the nutrient sources these odour producing microbes use to grow.<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/256242/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> By <a href="https://theconversation.com/profiles/primrose-freestone-315921">Primrose Freestone</a>, Senior Lecturer in Clinical Microbiology, <a href="https://theconversation.com/institutions/university-of-leicester-1053">University of Leicester</a> This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/is-it-better-to-shower-in-the-morning-or-at-night-heres-what-a-microbiologist-says-256242">original article</a>. Image: Pexels / Caique the Creator </div>

Body

How this driver lost 22 demerit points and $1800 in a single traffic stop

A NSW learner driver has been hit with nearly $1,800 in fines and an eye-watering 22 demerit points in a single traffic stop, prompting police to issue a stern reminder about the importance of following road rules – especially for novice drivers. The incident occurred on Sunday afternoon when Mittagong Highway Patrol officers clocked a silver Saab convertible travelling at 129km/h in a 110km/h zone on the Hume Highway near Penrose. What initially appeared to be a simple speeding matter quickly snowballed into a catalogue of serious offences. The driver – a male holder of a NSW Learner's Class C licence – should not have been travelling above 90km/h and was also found not to be displaying the required yellow L plates on either the front or rear of the vehicle. Upon stopping the vehicle at 4.15pm, officers discovered a mobile phone mounted near the steering wheel, playing a YouTube music video. When questioned, the driver swiped the screen to a map app and claimed he was "just looking at the map". In NSW, learner and provisional drivers are prohibited from using a mobile phone for any reason, including navigation. Compounding the offences, the driver’s female supervisor told police she had been asleep in the passenger seat – a direct violation of her legal duty to actively supervise the learner. The full list of infringements included: Exceeding speed by more than 30km/h: $1,045 fine and 10 demerit points (doubled for long weekend); Learner using a mobile phone: $410 fine and 10 demerit points (doubled); Failure to display L plates: $320 fine and 2 demerit points (doubled). With double demerits in effect due to the long weekend, the driver racked up 22 demerit points – far exceeding the four-point limit for learners – resulting in an automatic licence suspension, with a formal disqualification from NSW Transport to follow. The female supervisor also received a penalty for failing to fulfil her supervisory obligations. NSW Traffic and Highway Patrol officers said the case is a stark example of reckless behaviour behind the wheel and urged all drivers, especially learners, to understand and respect the rules of the road. Images: NSW Traffic and Highway Patrol Command “This is exactly what not to do,” an officer said.

Legal

‘Not available in your region’: what is a VPN and how can I use one safely?

<div class="theconversation-article-body"> “This video is not available in your location”. It’s a message familiar to many people trying to watch global content online. But beneath this frustration lies a deeper question – how do we navigate digital borders safely and ethically? As our digital lives expand, so too does our desire for access. Maybe you want to see the latest streaming shows before they arrive in your country. Maybe you’re a sports fan wanting to watch live broadcasts of international events. Or perhaps you need to log into your company’s secure intranet while at home or overseas. Enter the virtual private network (VPN) – a technology that’s become as essential as antivirus software for many. With many commercial and free VPN providers on the market, interest in these services <a href="https://www.comparitech.com/vpn/vpn-statistics/">has grown in recent years</a>. <h2>How does a VPN work?</h2> A <a href="https://computingaustralia.com.au/5-minute-helpdesk-what-is-a-vpn-and-why-should-i-use-one/">VPN</a> is like a secure tunnel between your device and the internet. When you use a VPN, your <a href="https://www.esafety.gov.au/key-topics/online-tools-and-features/encryption">internal traffic is scrambled into unreadable data</a> and routed through a remote server, which also masks your real IP address. Think of it like this: instead of sending a postcard with your return address, you send it in an envelope to a trusted friend overseas who mails it on your behalf. To anyone looking at the envelope, it looks like the message came from your friend and not you. This technique shields your identity, protects your data from snoopers, and tricks websites into thinking you are browsing from another location. While often marketed as <a href="https://www.le-vpn.com/australia-cyber-privacy-vpn/">tools for online privacy</a>, VPNs have grown popular for another reason: access. Many people use VPNs to access geo-blocked content, secure their internet activity, work remotely – <a href="https://www.cyber.gov.au/protect-yourself/staying-secure-online/security-tips-remote-working">especially when handling sensitive data</a> – and protect against online tracking and targeted advertising. <h2>VPNs are legal, if a bit grey</h2> VPN services are offered by dozens of providers globally. Companies such as NordVPN, ProtonVPN, ExpressVPN and Surfshark offer paid subscriptions with strong security guarantees. Free VPNs also exist but come with caveats (more on this in a moment). In <a href="https://us.norton.com/blog/privacy/are-vpns-legal">most countries</a>, including <a href="https://www.cyber.gov.au/protect-yourself/staying-secure-online/connecting-to-public-wi-fi">Australia</a>, using a VPN is completely legal. However, what makes it murky is what one might use it for. While using a VPN is legal, engaging in illegal activities while using one remains prohibited. Streaming services like Netflix or Disney+ license content by region. Using a VPN to access a foreign catalogue may violate their terms of service and potentially be grounds for account suspension. Australian law does not criminalise accessing geo-blocked content via VPN, but the copyright act does prohibit circumventing “technological protection measures” in certain cases. The grey area lies in enforcement. Technically, copyright law does ban getting around certain protections. However, the <a href="https://www.copyright.org.au/browse/book/ACC-Geoblocking%2C-VPNs-%26-Copyright-INFO127">latest advice does not mention</a> any cases where regular users have been taken to court for this kind of behaviour. So far, enforcement has mostly targeted websites and platforms that host or enable large-scale copyright infringement; not everyday viewers who want to watch a show a bit early. <h2>Beware of ‘free’ VPNs</h2> Not all VPNs are created equal. While premium services invest in strong encryption and privacy protections, free VPNs often make money by collecting user data – <a href="https://www.choice.com.au/electronics-and-technology/internet/connecting-to-the-internet/buying-guides/vpn-services">the very thing you may be trying to avoid</a>. Risks of unsafe VPNs include data leaks, injection of ads or trackers into your browsing, and malware and spyware, <a href="https://www.abc.net.au/news/2017-01-25/viruses-spyware-found-in-alarming-number-of-android-vpn-apps/8210796">especially in free mobile apps</a> that claim to provide a VPN service. Using a poorly designed or dishonest VPN is like hiring a bodyguard who sells your location. It might give the impression of safety, but you may actually be more vulnerable than before. <h2>Okay, so how do I choose a VPN?</h2> With so many VPNs available, both free and paid, it can be hard to know which one to trust. If you are considering a VPN, here are five things to look for. <a href="https://www.expressvpn.com/what-is-vpn/policy-towards-logs">No-log policy</a>. A trustworthy VPN should have a strict no-log policy, meaning it does not store any records of your internet activity, connection time or IP address. This ensures even if the VPN provider is hacked, subpoenaed or pressured by a government, they have nothing to hand over. Strong encryption standards. Encryption is what makes your data unreadable to anyone snooping on your connection, such as hackers on public WiFi or your internet provider. A somewhat technical thing to look out for is <a href="https://www.kiteworks.com/risk-compliance-glossary/aes-256-encryption/">AES 256-bit encryption</a> – it’s extremely secure and is used by banks and governments. Independent audits. Reliable VPN services <a href="https://vpncentral.com/nordvpn-reaffirms-no-log-claims-with-fifth-deloitte-audit/">voluntarily undergo third-party audits</a> to verify their privacy claims and the security of their infrastructure. Kill switch. A kill switch is a critical safety feature that automatically blocks internet traffic if the VPN connection drops. This prevents your real IP address and data from being exposed, even momentarily. Jurisdiction. VPNs are subject to the laws of the country they are based in. The countries in the <a href="https://cyberinsider.com/5-eyes-9-eyes-14-eyes/">Five Eyes intelligence alliance</a> (Australia, Canada, United Kingdom, United States and New Zealand) may legally compel providers to hand over user data. If a VPN service has a strict no-log policy and does not collect information about what you do online, then even under legal pressure, there is nothing to hand over. So, you are safe. In an era of growing surveillance, cybercrime and corporate data collection, VPNs are essential tools for reclaiming your online privacy and data. But like any tool, the effectiveness (and ethics) of VPNs depend on how you use them. Next time you fire up your VPN, ask yourself – am I just dodging a digital border, or actively protecting my online freedom?<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/256559/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> By <a href="https://theconversation.com/profiles/meena-jha-542776">Meena Jha</a>, Head Technology and Pedagogy Cluster CML-NET, <a href="https://theconversation.com/institutions/cquniversity-australia-2140">CQUniversity Australia</a> This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/not-available-in-your-region-what-is-a-vpn-and-how-can-i-use-one-safely-256559">original article</a>. </div>

Technology

Most of us will leave behind a large ‘digital legacy’ when we die. Here’s how to plan what happens to it

<div class="theconversation-article-body"> Imagine you are planning the funeral music for a loved one who has died. You can’t remember their favourite song, so you try to login to their Spotify account. Then you realise the account login is inaccessible, and with it has gone their personal history of Spotify playlists, annual “wrapped” analytics, and liked songs curated to reflect their taste, memories, and identity. We tend to think about inheritance in physical terms: money, property, personal belongings. But the vast volume of digital stuff we accumulate in life and leave behind in death is now just as important – and this “<a href="https://digitallegacyassociation.org">digital legacy</a>” is probably more meaningful. Digital legacies are increasingly complex and evolving. They include now-familiar items such as social media and banking accounts, along with our stored photos, videos and messages. But they also encompass virtual currencies, behavioural tracking data, and even AI-generated avatars. This digital data is not only fundamental to our online identities in life, but to our inheritance in death. So how can we properly plan for what happens to it? <h2>A window into our lives</h2> Digital legacy is commonly classified into two categories: <a href="https://www.esafety.gov.au/key-topics/digital-wellbeing/what-happens-to-your-digital-accounts-after-you-die">digital assets and digital presence</a>. Digital assets include items with economic value. For example, domain names, financial accounts, monetised social media, online businesses, virtual currencies, digital goods, and personal digital IP. Access to these is spread across platforms, hidden behind passwords or restricted by privacy laws. Digital presence includes content with no monetary value. However, it may have great personal significance. For example, our photos and videos, social media profiles, email or chat threads, and other content archived in cloud or platform services. There is also data that might not seem like content. It may not even seem to belong to us. This includes analytics data such as health and wellness app tracking data. It also includes behavioural data such as location, search or viewing history collected from platforms such as Google, Netflix and Spotify. This data reveals patterns in our preferences, passions, and daily life that can hold intimate meaning. For example, knowing the music a loved one listened to on the day they died. Digital remains now also include scheduled <a href="https://go-paige.com/memories/">posthumous messages</a> or <a href="https://www.hereafter.ai">AI-generated avatars</a>. All of this raises both practical and ethical questions about identity, privacy, and corporate power over our digital afterlives. Who has the right to access, delete, or transform this data? <h2>Planning for your digital remains</h2> Just as we prepare wills for physical possessions, we need to plan for our digital remains. Without clear instructions, important digital data may be lost and inaccessible to our loved ones. In 2017, I helped develop key recommendations for <a href="https://accan.org.au/files/Grants/Death%20and%20the%20Internet_2017-web.pdf">planning your digital legacy</a>. These include: <ul> <li>creating an inventory of accounts and assets, recording usernames and login information, and if possible, downloading personal content for local storage</li> <li>specifying preferences in writing, noting wishes about what content should be preserved, deleted, or shared – and with whom</li> <li>using password managers to securely store and share access to information and legacy preferences</li> <li>designating a <a href="https://www.tonkinlaw.com/resources/digital-estate-planning-victoria-safeguarding-online-assets/">digital executor</a> who has legal authority to carry out your digital legacy wishes and preferences, ideally with legal advice</li> <li>using legacy features on available platforms, such as <a href="https://www.facebook.com/help/1070665206293088">Facebook’s Legacy Contact</a>, <a href="https://support.google.com/accounts/answer/3036546?hl=en">Google’s Inactive Account Manager</a>, or <a href="https://digital-legacy.apple.com">Apple’s Digital Legacy</a>.</li> </ul> <h2>What if your loved one left no plan?</h2> These steps may sound uncontroversial. But digital wills remain uncommon. And without them, managing someone’s digital legacy can be fraught with legal and technical barriers. Platform terms of service and privacy rules often prevent access by anyone other than the account holder. They can also require official documentation such as a death certificate before granting limited access to download or close an account. In such instances, gaining access will probably only be possible through imperfect workarounds, such as searching online for traces of someone’s digital life, attempting to use account recovery tools, or scouring personal documents for login information. <figure><iframe src="https://www.youtube.com/embed/WmQH27MNLz8?wmode=transparent&start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe></figure> <h2>The need for better standards</h2> Current platform policies have clear limitations for handling digital legacies. For example, policies are inconsistent. They are also typically limited to memorialising or deleting accounts. With no unified framework, service providers often prioritise data privacy over family access. Current tools prioritise visible content such as profiles or posts. However, they exclude less visible yet equally valuable (and often more meaningful) behavioural data such as listening habits. Problems can also arise when data is removed from its original platform. For example, photos from Facebook can lose their social and relational meaning without their associated comment threads, reactions, or interactivity. Meanwhile, emerging uses of posthumous data, especially AI-generated avatars, raise urgent issues about digital personhood, ownership, and possible harms. These “digital remains” may be stored indefinitely on commercial servers without standard protocols for curation or user rights. The result is a growing tension between personal ownership and corporate control. This makes digital legacy not only a matter of individual concern but one of digital governance. <a href="https://www.archivists.org.au/community/representation/standards-australias-committee-it-21-records-management-and-archives">Standards Australia</a> and the <a href="https://dcj.nsw.gov.au/news-and-media/media-releases-archive/2022/reform-to-allow-data-access-after-death.html">New South Wales Law Reform Commission</a> have recognised this. Both organisations are seeking <a href="https://lawreform.nsw.gov.au/documents/Current-projects/Digital%20assets/Preliminary%20submissions/PDI10.pdf">consultation</a> to develop frameworks that address inconsistencies in platform standards and user access. Managing our digital legacies demands more than practical foresight. It compels critical reflection on the infrastructures and values that shape our online afterlives.<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/257121/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> By <a href="https://theconversation.com/profiles/bjorn-nansen-102356">Bjorn Nansen</a>, Associate Professor, School of Computing and Information Systems, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a> This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/most-of-us-will-leave-behind-a-large-digital-legacy-when-we-die-heres-how-to-plan-what-happens-to-it-257121">original article</a>. Image: Pexels / Mart Production </div>

A quarter of a billion dollars in unclaimed Medicare rebates: here's how to claim them

More than a quarter of a billion dollars in unclaimed Medicare refunds are waiting to be returned to nearly a million Australians, with Services Australia urging people to check if they’re owed a share of the money. A staggering $260 million in Medicare rebates is currently unclaimed by 960,000 patients across the country. The unclaimed funds stem from GP and specialist visits where refunds were never processed due to incomplete or outdated bank account information. “You go to the doctor, you hand over your card and then you might not check what happens next,” said Justin Bott, community information officer at Services Australia. “Failing to follow up is what could be costing patients refunds they’re entitled to.” On a state-by-state basis, the figures remain eye-opening. Residents of New South Wales are owed $81 million, Victorians are missing $64 million, Queenslanders are due $51 million, Western Australians are entitled to $30 million, and South Australians could claim $19 million. The average unclaimed amount per person sits at around $265, but in some cases, individuals could receive over $10,000. One of the most affected demographics is young adults aged 18 to 25, who are often unaware of the need to update their details. The good news? The fix is simple. By logging into the MyGov portal and checking their Medicare account, Australians can update their bank details. Once updated, refunds are typically processed and deposited within three days. “It might not be you, but maybe it’s your child, your grandchild that has that money owing. Get them to check as well,” Bott urged. “Because again, what a great present to find that money being paid to them.” With hundreds of millions of dollars potentially just a few clicks away, Australians are being encouraged to act now and reclaim what is rightfully theirs. Image: Shutterstock

Money & Banking

How to get started investing later in life

For some people – particularly women – investing may not have been an option until now, constrained by a lack of income while raising children or low incomes leaving nothing to invest once the bills were paid. Others find a new-found need to invest later in life, such as after a separation, inability to work through illness or injury, or the sudden death of their partner. No matter your reason for exploring investing later in life, the following pointers will get you on your way to building financial independence and a comfortable retirement. Update your strategy When was the last time you updated your spending and investment plan (or household budget)? It may have been before the kids left home, your mortgage was paid off, or you began transitioning into part-time retirement. If so, your living costs have changed significantly – work expenses, home energy consumption, groceries etc. Furthermore, your goals, healthcare and lifestyle needs may also have changed. Update your strategy to align with your current goals, values, income and spending habits. Only then will you understand how much you can afford to invest and where to direct those funds. Right-size your superannuation In your later years, super is likely to be front of mind. Ensure this investment works its hardest for you by scrutinising its: • Structure: retail or industry fund? SMSF? Each has its own costs and benefits to contemplate. • Investments: reexamine the types of assets held, level of diversification and risk weighting. • Insurances: do you have adequate life, permanent disability and income protection cover? • Take advantage of superannuation strategies you may not be aware of Unlock home equity The biggest source of money you likely have at this stage of life is equity in your home. This can be used to invest with minimal impact on your everyday finances. In fact, unused equity is effectively dead money (until you sell the property). I always urge caution on reverse mortgages. In theory, they seem like a great way of unlocking equity without saddling you with regular repayments. However, they typically: • accumulate more debt. • have higher interest rates than standard mortgages. • only grant access to a portion of your equity. • can restrict your options to downsize later. • could leave you with no remaining equity when you sell the property or nothing to leave to your benefactors when you pass away. Consider downsizing An alternative to refinancing is downsizing from the family home. As well as unlocking money for investing, you benefit from lower upkeep costs (and cleaning!) on a smaller property and can make a lifestyle change at the same time (moving nearer to family, away from bustling cities, or into supported care if required). Additionally, you may be able to use part of the sale proceeds (up to $300,000) to turbocharge your super with a one-off <a href="https://www.ato.gov.au/individuals-and-families/super-for-individuals-and-families/super/growing-and-keeping-track-of-your-super/how-to-save-more-in-your-super/downsizer-super-contributions" target="_blank" rel="noopener">downsizer contribution</a>. Examine pension impacts Investing can impact your ability to claim the age pension when you retire, and how much you receive. This often comes to bite people who unlock equity in their home to invest, without realising that doing so means the money suddenly counts towards the pension means test. Before doing anything, methodically weigh up which will leave you financially better off – claiming a full or part pension, or self-funding your retirement through investments. Minimise tax Hefty tax bills can easily wipe out any investment returns, making tax a crucial factor in your decision-making. Potential tax considerations to factor into your strategy include: • Determining the most tax-effective ownership structure (e.g. do you invest in your or partner’s name? Through your super? Through a trust or company? • Incorporating stamp duty into purchase costs. • Ensuring there is enough profit from the sale of an investment to cover Capital Gains Tax (CGT) and income tax liabilities before deciding to sell. • Timing a sale to fall within the optimal financial year (e.g. in a year where your taxable income is lower or when relevant tax changes come into effect). Invest in knowledge Later in life, you have fewer working years remaining to recover any losses. Given the far-reaching implications of investing, I highly recommend first speaking to a financial adviser. Many times the fees are paid for in initial tax savings. They can help you maximise your returns, minimise your tax, ensure you don’t inadvertently leave yourself worse off and give you peace of mind. After all, the whole point of investing is to make money. And, without current professional advice, you simply don’t know what you don’t know! Helen Baker is a licensed Australian financial adviser and author of the new book, Money For Life: How to build financial security from firm foundations (Major Street Publishing $32.99). Helen is among the 1% of financial planners who hold a master’s degree in the field. Proceeds from book sales are donated to charities supporting disadvantaged women and children. Find out more at <a href="http://www.onyourowntwofeet.com.au/" target="_blank" rel="noopener">www.onyourowntwofeet.com.au</a> Disclaimer: The information in this article is of a general nature only and does not constitute personal financial or product advice. Any opinions or views expressed are those of the authors and do not represent those of people, institutions or organisations the owner may be associated with in a professional or personal capacity unless explicitly stated. Helen Baker is an authorised representative of BPW Partners Pty Ltd AFSL 548754.

Retirement Income

"It's simple": Sussan Ley reveals stance on Welcome to Country

Newly elected Liberal leader <a href="https://oversixty.com.au/finance/legal/sussan-ley-elected-first-female-leader-of-the-liberal-party" target="_blank" rel="noopener">Sussan Ley </a>has called on her party to modernise and reconnect with contemporary Australian values following one of its worst electoral defeats in history. In her first press conference since defeating Angus Taylor for the leadership, Ms Ley pledged a fresh approach to politics, saying the Liberal Party must "respect, reflect, and represent modern Australia". “We have to meet the people where they are. And that’s what I am committed to doing and what I am determined to do,” she said. “I want to do things differently, and we have to have a fresh approach.” Ley described her election to the party’s top job as an “enormous privilege”, adding: “I am humbled. I am honoured. And I am up for the job.” The leadership transition follows a bruising election campaign that saw the Liberals suffer significant losses, prompting calls for renewal and deeper engagement with a changing electorate. Cultural recognition also emerged as a flashpoint during the campaign’s final days, with controversy over audience reactions to Welcome to Country ceremonies. Addressing the issue head-on, Ms Ley called for authenticity in cultural acknowledgements. “With respect to Welcome to Country, it’s simple: if it’s meaningful, if it matters, if it resonates, then it’s in the right place,” she said. “If it is done in a way that is ticking a box on a Teams meeting then I don’t think it is relevant. It actually diminishes the value of what it is.” On the issue of national symbols, Ms Ley said she frequently stands in front of the Indigenous flag but would prefer to see Australians united under a single banner. “We should unite under the one Australian flag, that is my firm view,” she stated. Ms Ley now faces the challenge of steering a divided and diminished Liberal Party toward renewal, with pressure mounting to appeal to a broader, more diverse Australia. Her leadership marks a potential turning point for the party as it seeks to rebuild and redefine its identity in opposition. Image: Instagram

Legal

Why are political parties allowed to send spam texts? And how can we make them stop?

<div class="theconversation-article-body"> Another election, another wave of unsolicited political texts. Over this campaign, our digital mailboxes have been stuffed with a slew of political appeals and promises, many from the new party Trumpet of Patriots (backed by Clive Palmer, a <a href="https://www.abc.net.au/news/2019-01-11/clive-palmer-united-australia-party-unsolicited-text-messages/10709106">veteran</a> of the mass text campaign). The practice isn’t new, and it’s totally legal under current laws. It’s also non-partisan. Campaigns of all stripes have partaken. Behold, the Liberal Party’s <a href="https://www.sbs.com.au/news/article/liberal-party-defends-sending-text-messages-to-voters-on-asylum-seeker-boat-intercepts/mmqwk5508">last-minute SMS</a> to voters about asylum seekers before the 2022 federal election, or Labor’s controversial “<a href="https://www.smh.com.au/politics/federal/federal-election-2016-shorten-confirms-labor-sent-mediscare-text-20160705-gpzasl.html">Mediscare</a>” text before the 2016 poll. Despite multiple cycles of criticism, these tactics remain a persistent feature of Australian election campaigns. A recent proposal to update decades-old rules could help change things – if a government would put it into practice. <h2>What does the law say about political spam?</h2> Several laws regulate spam and data collection in Australia. First, there is the Spam Act. This legislation requires that organisations obtain our consent before sending us marketing emails, SMSs and instant messages. The unsubscribe links you see at the bottom of spam emails? Those are mandated by the Spam Act. Second, the Do Not Call Register (DNCR) Act. This Act establishes a “do not call” register, managed by the <a href="https://www.acma.gov.au/say-no-to-telemarketers">Australian Communications and Media Authority</a> (ACMA), which individuals can join to opt out of telemarketing calls. Finally, there is the Privacy Act, which governs how organisations collect, use and disclose our personal information. Among other things, the Privacy Act requires that organisations tell us when and why they are collecting our personal information, and the purposes for which they intend to use it. It restricts organisations from re-purposing personal information collected for a particular purpose, unless an exception applies. This trio of laws was designed to offer relief from unsolicited, unwanted direct marketing. It does not, however, stop the deluge of political spam at election time due to broad political exemptions sewn into the legislation decades ago. The Spam Act and DNCR Act apply to marketing for goods and services but not election policies and promises, while the Privacy Act contains a <a href="https://classic.austlii.edu.au/au/journals/UNSWLawJl/2021/21.html#fn13">carve-out</a> for political parties, representatives and their contractors. The upshot is that their campaigns are free to spam and target voters at will. Their only obligation is to disclose who authorised the message. <h2>How do political campaigns get our information?</h2> Secrecy about the nature and extent of campaign data operations, enabled by the exemptions, makes it difficult to pinpoint precisely where a campaign might have obtained your data from. There are, however, a number of ways political campaigns can acquire our information. One source is the electoral roll (though not for phone numbers, as the Australian Electoral Commission <a href="https://x.com/AusElectoralCom/status/1434752533294194692">often points out</a>). Incumbent candidates might build on this with information they obtain through contact with constituents which, thanks to the exemptions, they’re allowed to re-purpose for campaigning at election time. Another source is data brokers – firms which harvest, analyse and sell large quantities of data and profiles. We know the major parties have long maintained voter databases to support their targeting efforts, which have become <a href="https://www.abc.net.au/news/2022-05-19/behind-liberal-labor-data-arms-race-this-election/101074696">increasingly sophisticated</a> over the years. Other outfits might take more haphazard approaches – former MP <a href="https://www.smh.com.au/politics/federal/united-australia-party-leader-craig-kelly-defends-spam-messages-20210829-p58mv7.html">Craig Kelly</a>, for example, claimed to use software to randomly generate numbers for his texting campaign in 2021. <h2>What can be done?</h2> Unwanted campaign texts are not only irritating to some. They can be misleading. This year, there have been <a href="https://www.abc.net.au/news/2025-04-17/monique-ryan-polling-amelia-hamer-trust-fund-kooyong/105185290">reports</a> of “push polling” texts (pseudo surveys meant to persuade rather than gauge voter options) in the marginal seat of Kooyong. The AEC has <a href="https://www.aec.gov.au/media/2025/03-31a.htm">warned</a> about misleading postal vote applications being issued by parties via SMS. <figure class="align-right zoomable"><a href="https://images.theconversation.com/files/664617/original/file-20250429-74-yothae.jpg?ixlib=rb-4.1.0&q=45&auto=format&w=1000&fit=clip"><img src="https://images.theconversation.com/files/664617/original/file-20250429-74-yothae.jpg?ixlib=rb-4.1.0&q=45&auto=format&w=237&fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/664617/original/file-20250429-74-yothae.jpg?ixlib=rb-4.1.0&q=45&auto=format&w=600&h=738&fit=crop&dpr=1 600w, https://images.theconversation.com/files/664617/original/file-20250429-74-yothae.jpg?ixlib=rb-4.1.0&q=30&auto=format&w=600&h=738&fit=crop&dpr=2 1200w, https://images.theconversation.com/files/664617/original/file-20250429-74-yothae.jpg?ixlib=rb-4.1.0&q=15&auto=format&w=600&h=738&fit=crop&dpr=3 1800w, https://images.theconversation.com/files/664617/original/file-20250429-74-yothae.jpg?ixlib=rb-4.1.0&q=45&auto=format&w=754&h=927&fit=crop&dpr=1 754w, https://images.theconversation.com/files/664617/original/file-20250429-74-yothae.jpg?ixlib=rb-4.1.0&q=30&auto=format&w=754&h=927&fit=crop&dpr=2 1508w, https://images.theconversation.com/files/664617/original/file-20250429-74-yothae.jpg?ixlib=rb-4.1.0&q=15&auto=format&w=754&h=927&fit=crop&dpr=3 2262w" alt="Screenshot of a text message from Trumpet of Patriots." /></a><figcaption>This election campaign has seen a flood of texts from Trumpet of Patriots, among others. The Conversation, <a class="license" href="http://creativecommons.org/licenses/by-sa/4.0/">CC BY-SA</a></figcaption></figure> Generative AI is hastening the ability to produce misleading content, cheaply and at scale, which can be quickly pushed out across an array of online social and instant messaging services. In short, annoying texts are just one visible symptom of a wider vulnerability created by the political exemptions. The basic argument for the political exemptions is to facilitate freedom of political communication, which is protected by the Constitution. As the High Court has said, that freedom is necessary to support informed electoral choice. It does not, however, guarantee speakers a <a href="http://www6.austlii.edu.au/cgi-bin/viewdoc/au/cases/cth/HCA/2019/11.html">captive audience</a>. In 2022, the Attorney-General’s Department <a href="https://www.ag.gov.au/sites/default/files/2023-02/privacy-act-review-report_0.pdf">proposed</a> narrowing the political exemptions, as part of a suite of updates to the Privacy Act. Per the proposal, parties and representatives would need to be more transparent about their data operations, provide voters with an option to unsubscribe from targeted ads, refrain from targeting voters based on “sensitive information”, and handle data in a “fair and reasonable” manner. The changes would be an overdue but welcome step, recognising the <a href="https://bridges.monash.edu/articles/journal_contribution/Conceptualising_Voter_Privacy_in_the_Age_of_Data-Driven_Political_Campaigning/27330276?file=50073381">essential role</a> of voter privacy in a functioning democratic system. Unfortunately, the government has not committed to taking up the proposal. A bipartisan lack of support is likely the biggest obstacle, even as the gap created by the political exemptions widens, and its rationale becomes flimsier, with each election cycle.<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/255413/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> By <a href="https://theconversation.com/profiles/tegan-cohen-1331144">Tegan Cohen</a>, Postdoctoral Research Fellow, Digital Media Research Centre, <a href="https://theconversation.com/institutions/queensland-university-of-technology-847">Queensland University of Technology</a> This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/why-are-political-parties-allowed-to-send-spam-texts-and-how-can-we-make-them-stop-255413">original article</a>. Image: Shutterstock </div>

Legal

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

<div class="theconversation-article-body"> If you’ve ever tried to build a new habit – whether that’s exercising more, eating healthier, or going to bed earlier – you may have heard the popular claim that it only takes 21 days to form a habit. It’s a neat idea. Short, encouraging and full of promise. But there’s just one problem: it’s not true. The 21-day myth can be traced back to <a href="https://www.amazon.com/gp/product/0671700758/ref=as_li_qf_sp_asin_il_tl?ie=UTF8&camp=1789&creative=9325&creativeASIN=0671700758&linkCode=as2&tag=jamesclear-20&linkId=6DQ32IRAG3LU4PKA">Maxwell Maltz</a>, a plastic surgeon in the 1960s, who observed it took about three weeks for his patients to adjust to physical changes. This idea was later picked up and repeated in self-help books, eventually becoming accepted wisdom. But as psychologists and behavioural scientists have since discovered, habit formation is <a href="https://www.scientificamerican.com/article/how-long-does-it-really-take-to-form-a-habit/">much more complex</a>. <h2>How long does it really take?</h2> A <a href="https://onlinelibrary.wiley.com/doi/10.1002/ejsp.674">2010 study</a> followed volunteers trying to build simple routines – such as drinking water after breakfast or eating a daily piece of fruit – and found it took a median of 66 days for the behaviour to become automatic. We recently <a href="https://www.mdpi.com/2227-9032/12/23/2488">reviewed several studies</a> looking at how long it took people to form health-related habits. We found, on average, it took around two to five months. Specifically, the studies that measured time to reach automaticity (when a behaviour becomes second nature) found that habit formation took between 59 and 154 days. Some people developed a habit in as few as four days. Others took nearly a year. This wide range highlights that habit formation isn’t one-size-fits-all. It depends on what the behaviour is, how often it’s repeated, how complex it is, and who’s doing it. <h2>What determines whether a habit will stick?</h2> Habit strength plays a key role in consistency. A <a href="https://www.frontiersin.org/journals/psychology/articles/10.3389/fpsyg.2021.626750/full">2021 systematic review</a> focused on physical activity and found the stronger the habit (meaning the more automatic and less effortful the behaviour felt) the more likely people were to exercise regularly. It’s not entirely surprising that easy, <a href="https://bjgp.org/content/62/605/664">low-effort behaviours</a> such as drinking water or taking a daily vitamin tend to form faster than complex ones like training for a marathon. But whatever the habit, <a href="https://www.nature.com/articles/s44159-024-00305-0">research shows</a> sticking to it is not just about boosting motivation or willpower. Interventions that actively support habit formation – through repetition, cues and structure – are much more effective for creating lasting change. For example, programs that encourage people to schedule regular exercise at the same time each day, or apps that send reminders to drink water after every meal, help build habits by making the behaviour easier to repeat and harder to forget. Our <a href="https://www.mdpi.com/2227-9032/12/23/2488">research</a>, which drew on data from more than 2,600 people, showed habit-building interventions can make a real difference across a range of behaviours – from flossing and healthy eating to regular exercise. But what stood out most was that even small, everyday actions can grow into powerful routines, when repeated consistently. It’s not about overhauling your life overnight, but about steadily reinforcing behaviours until they become second nature. <h2>8 tips for building lasting habits</h2> If you’re looking to build a new habit, here are some science-backed tips to help them stick: <ol> <li> Give it time. Aim for consistency over <a href="https://www.mdpi.com/2227-9032/12/23/2488">60 days</a>. It’s not about perfection – missing a day won’t reset the clock. </li> <li> <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC3505409/">Make it easy</a>. Start small. Choose a behaviour you can realistically repeat daily. </li> <li> Attach your new habit <a href="https://www.mdpi.com/2227-9032/12/23/2488">to an existing routine</a>. That is, make the new habit easier to remember by linking it to something you already do – such as flossing right before you brush your teeth. </li> <li> <a href="https://www.tandfonline.com/doi/full/10.1080/0144929X.2020.1801840">Track your progress</a>. Use a calendar or app to tick off each successful day. </li> <li> Build in <a href="https://www.sciencedirect.com/science/article/pii/S2212267215011181?casa_token=-VKsr03fXOUAAAAA:pKV0oAB5VVuj8RcPAW5T7prjo3efSVpi6P6TXFoeTLHBX_vFK0ttF6tFM9-8Fp6o45XPu_lcij5d">rewards</a>, for example making a special coffee after a morning walk or watching an episode of your favourite show after a week of consistent workouts. Positive emotions help habits stick, so celebrate small wins. </li> <li> Morning is best. Habits practised <a href="https://psycnet.apa.org/doiLanding?doi=10.1037%2Fhea0000510">in the morning</a> tend to form more reliably than those attempted at night. This may be because people typically have more motivation and fewer distractions earlier in the day, making it easier to stick to new routines before daily demands build up. </li> <li> Personal choice boosts success. People are more likely to stick with habits <a href="https://www.frontiersin.org/journals/psychology/articles/10.3389/fpsyg.2020.00560/full">they choose themselves</a>. </li> <li> <a href="https://onlinelibrary.wiley.com/doi/abs/10.1002/ejsp.674">Repetition</a> in a stable context is key. Performing the same behaviour in the same situation (such as walking right after lunch each day) increases the chances it will become automatic. </li> </ol> <h2>Why the 21-day myth matters</h2> Believing habits form in 21 days sets many people up to fail. When change doesn’t “click” within three weeks, it’s easy to feel like you’re doing something wrong. This can lead to frustration, guilt and giving up entirely. By contrast, understanding the real timeline can help you stay motivated when things feel slow. Evidence shows habit formation usually takes at least two months, and sometimes longer. But it also shows change is possible. Our <a href="https://www.mdpi.com/2227-9032/12/23/2488">research</a> and <a href="https://bjgp.org/content/62/605/664">other evidence</a> confirm that repeated, intentional actions in stable contexts really do become automatic. Over time, new behaviours can feel effortless and deeply ingrained. So whether you’re trying to move more, eat better, or improve your sleep, the key isn’t speed – it’s consistency. Stick with it. With time, the habit will stick with you.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/255118/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> By <a href="https://theconversation.com/profiles/ben-singh-1297213">Ben Singh</a>, Research Fellow, Allied Health & Human Performance, <a href="https://theconversation.com/institutions/university-of-south-australia-1180">University of South Australia</a> and <a href="https://theconversation.com/profiles/ashleigh-e-smith-201327">Ashleigh E. Smith</a>, Associate Professor, Healthy Ageing, <a href="https://theconversation.com/institutions/university-of-south-australia-1180">University of South Australia</a> This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/forming-new-habits-can-take-longer-than-you-think-here-are-8-tips-to-help-you-stick-with-them-255118">original article</a>. Image: Shuttertock </div>

Mind

Q+A descends into acrimony over Welcome to Country debate

The ABC’s flagship program Q+A erupted into heated exchanges on Monday night as panellists clashed over the role and frequency of Welcome to Country ceremonies, amid growing national debate sparked by political and community divisions. The discussion was triggered when audience member Peter asked how tensions over the ceremonies could be resolved "amicably" and "in the interest of all parties", following escalating disagreement between Prime Minister Anthony Albanese and Opposition Leader Peter Dutton during the current federal election campaign. Liberal MP Paul Fletcher argued from the Q+A panel that while it was important to recognise the “distinctive place” of Indigenous Australians, many in the community felt there were now too many ceremonial acknowledgements. The issue has been further inflamed after neo-Nazis booed a Welcome to Country delivered by Bunurong man Uncle Mark Brown during the Anzac Day Dawn Service at Melbourne’s Shrine of Remembrance – a move that was swiftly condemned by both major political parties. However, Mr Dutton later suggested that Welcome to Country ceremonies were being overused and questioned their appropriateness for solemn occasions like Anzac Day. On Q+A, Environment Minister Tanya Plibersek defended the tradition, particularly at Anzac Day events, arguing it was "perfectly appropriate" to acknowledge the service of Indigenous Australians in the military. Fletcher countered that veterans should be consulted on the issue, prompting a sharp exchange when Plibersek retorted that he was speaking as if Indigenous veterans did not exist. Fletcher accused her of using “straw man rhetoric”, insisting, “The role of Indigenous people in defending Australia over many conflicts has been very significant. Nobody is contesting that for a second.” Greens leader Adam Bandt also weighed in, launching a scathing attack on Dutton’s handling of the matter. “It’s gutter politics from an Opposition leader whose campaign is in free fall and he’s starting to punch down,” Bandt said. He accused Dutton of spreading misinformation during the Voice referendum campaign and likened his tactics to those of US President Donald Trump. “He’s playing from the Trump play book as his campaign is in free fall. Punching down. Playing from the Trump play book and we’ll call it out," Bandt said. Image: ABC's Q+A

Refinancing your home later in life – what you need to know

There are many reasons why you may look to refinance your home. The obvious one is to lower mortgage repayments with a better rate. However, other reasons people refinance later in life include: <ul> <li>unlocking equity to invest</li> <li>paying down other debts</li> <li>buying a holiday home</li> <li>funding extended travel</li> <li>launching a new business</li> <li>supporting children with a property deposit</li> </ul> Regardless of why you want to refinance, the points below will help you navigate your options. Changing lenders It may have been a while since you last revisited your mortgage, meaning you may not be aware of current lending options and traps. A common trick lenders use is the so-called “headline rate” to grab your attention. However, this interest rate is typically not what you end up paying. It may only be an introductory rate for the first few months, or hefty fees attached may wipe out any savings. Banks aren’t the only ones offering loans nowadays. Registered non-bank lenders, fintechs and online lenders can refinance your mortgage and provide other credit services the same as any bank; they just don’t take cash deposits. Alternatively, you could explore credit unions and mutual societies. Also consider any shareholder benefits you may have. Most banks have done away with them now but may still honour pre-existing ones. If you change lenders, you could lose this entitlement – permanently. Reverse mortgages Generally, only available to people aged 60-plus, a reverse mortgage effectively allows you to unlock equity in your home without you needing to make immediate repayments. However, they often have strict conditions including: <ul> <li>minimum borrowing amounts</li> <li>maximum borrowing ratios</li> <li>higher interest rates than standard mortgages</li> </ul> Crucially, the interest accrues over time and is repaid when you sell, move or pass away. As such, your debt liability grows over time – potentially impacting your future living arrangements and how much is left for beneficiaries in your will. The Govt has the “loan equity scheme” as another option to lenders. I just want to highlight the need to be careful with reverse mortgages. Changing homes Rather than selling, downsizing could involve making an investment property your primary residence and then renting out your existing home. This approach may require you to refinance both loans simultaneously. There will also be tax considerations to work through – including Capital Gains Tax liabilities when you do sell, negative gearing, depreciation, and changes to your income tax. Then there are the lifestyle factors to weigh up, especially if you are moving to a different area: <ul> <li>living expenses</li> <li>insurance and travel costs</li> <li>access to healthcare</li> <li>rental income</li> <li>property management expenses</li> </ul> Remember that if you have a Self Managed Super Fund (SMSF), it CANNOT own any property that you directly use yourself, including your home. Becoming Bank of Mum and Dad Refinancing can unlock equity to support adult children with their first property deposit. However, it isn’t without its risks. Ask yourself honestly: <ul> <li>Will this be a gift or loan?</li> <li>If a loan, under what terms? Will interest be applied? How and when will repayments be made? What if they default?</li> <li>What happens if their relationship breaks down, will you get your money back?</li> <li>How does going without that money affect your retirement?</li> <li>Do you have alternative assets to support you if your circumstances change?</li> <li>How does this affect inheritances or deposit contributions to your other children?</li> <li>Can you assist them another way without using your home equity?</li> </ul> Draw up a written agreement outlining all conditions and scenarios to avoid disagreements in the future. Pension impacts Don’t overlook how refinancing your home could impact your pension. While your home is exempt from the means test, any income or assets you generate from unlocking equity is not. You could inadvertently see your pension amount reduced or your eligibility voided altogether. This would come as a nasty shock if you haven’t pre-budgeted for such a change! Getting advice To ensure you get the best bang for your buck when refinancing, be sure to enlist the help of a good: <ul> <li>mortgage broker to source the best loans for your circumstances</li> <li>insurance broker to ensure your cover is right sized for your needs, risk and budget</li> <li>accountant to work through any tax implications</li> <li>estate planner to manage any changes</li> <li>financial adviser to keep your investments and financial strategy working for you</li> </ul> Ultimately, decisions – including about refinancing – are only as good the information you have at hand. So, make sure you have all the relevant facts before signing on the dotted line. Helen Baker is a licensed Australian financial adviser and author of the new book, Money For Life: How to build financial security from firm foundations (Major Street Publishing $32.99). Helen is among the 1% of financial planners who hold a master’s degree in the field. Proceeds from book sales are donated to charities supporting disadvantaged women and children. Find out more at <a style="color: #467886;" title="http://www.onyourowntwofeet.com.au/" href="http://www.onyourowntwofeet.com.au/">www.onyourowntwofeet.com.au</a> Disclaimer: The information in this article is of a general nature only and does not constitute personal financial or product advice. Any opinions or views expressed are those of the authors and do not represent those of people, institutions or organisations the owner may be associated with in a professional or personal capacity unless explicitly stated. Helen Baker is an authorised representative of BPW Partners Pty Ltd AFSL 548754.

Money & Banking

Population panic: how demography is used for political gain

<div class="theconversation-article-body"> Population is far from the seemingly innocuous and bland topic of “people”. We’re not just talking people. We’re talking the very foundation of society, culture, and economy … and it’s deeply fraught. It’s also an effective political point scorer. Population scrutiny waxes and wanes in Australian populist and political discourse, much like many nations across the globe. <a href="https://theconversation.com/whats-behind-the-dramatic-shift-in-canadian-public-opinion-about-immigration-levels-219193">Canada</a>, <a href="https://theconversation.com/biden-defends-immigration-policy-during-state-of-the-union-blaming-republicans-in-congress-for-refusing-to-act-225158">the United States</a>, <a href="https://theconversation.com/a-far-right-political-group-is-gaining-popularity-in-germany-but-so-too-are-protests-against-it-223151">Germany</a>, <a href="https://theconversation.com/in-demand-but-disempowered-why-low-skilled-migrant-workers-face-even-worse-exploitation-under-nzs-new-rules-227993">New Zealand</a> and <a href="https://theconversation.com/uk-taking-back-control-of-its-borders-risks-rolling-back-human-rights-protections-230044">the United Kingdom</a> are all grappling with population issues. But when we talk population, it’s pretty safe to read immigration. It’s immigration that has most of the world talking, because growth for many is dominated by international movements, not local growth. Population growth due to immigration has fed growing fears from some quarters about a <a href="https://www.abc.net.au/religion/five-years-terror-christchurch-mosque-danger-muslim-women/103593682">replacement of the majority dominance</a> – in other words, that white people will no longer be the majority in Australia. Contemporary population debate has been largely ill-informed, lacking nuance and is often detrimental. Rooted in a long history of the way we talk about population, contemporary debate is best understood in context, and with facts. <h2>Population dynamics and change</h2> Population is most simply a <a href="https://population.gov.au/population-topics/topic-population-measurement">bunch of individuals</a> living in a specific place. Sounds boring, I know, but the reality is something much greater. When we start talking about what underpins population – composition, characteristics and change – it becomes clear why population is so political. Populations are comprised of varying characteristics – think age, sex, and geography. Characteristics like the age structure of a population have a direct impact on the workforce and economic wellbeing of a nation. A younger population means more expenditure invested in the young to ensure a strong workforce in the future. This is known as the <a href="https://www.prb.org/wp-content/uploads/2019/11/prb-demographic-dividend-evidence-1.pdf">demographic dividend</a>. An older population age structure, on the other hand, sees more spending on the upper end of the life course – senior people – and pressures on the workforce meeting the economic needs of the nation. This is <a href="https://www.abs.gov.au/ausstats/abs@.nsf/2f762f95845417aeca25706c00834efa/851dece969d9182cca2570ec000a2501!OpenDocument">structural ageing</a>. Australia’s population, like most of the world, is structurally ageing. We’re living longer and <a href="https://blog.id.com.au/2023/population/population-trends/australias-birth-rate-falls-in-2022#:%7E:text=Australia's%20birth%20rate%20has%20been,level">not replacing ourselves</a> through births. Living longer is a mark of technological success and ingenuity, and the same could be said about below-replacement births. But our success has some downsides. <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/p/DBP0rqgSCm5/?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/DBP0rqgSCm5/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by Australian Bureau of Statistics (@absstats)</a> </div> </blockquote> The trouble with below-level births and an ageing population is that the local age structure is not sufficient to meet the <a href="https://treasury.gov.au/intergenerational-report">needs of the workforce</a>. Simply, the local Australian population cannot meet the economic needs of the nation, and this has the potential to see living standards go backwards. Immigration helps offset the adverse consequences of an ageing population. Population change occurs due to births, deaths and migration. Commonly known as the population balancing equation, population growth is expressed as: births minus deaths plus migration. Immigration makes up the majority of population growth in Australia and has done so consistently since <a href="https://www.aihw.gov.au/reports/australias-health/profile-of-australias-population">around 2005</a>, with the exception of international border closures during COVID. Natural increase – the balance of births minus deaths – also contributes to population growth in Australia. However, increasing deaths and declining births means the country is expected to see <a href="https://theconversation.com/eight-charts-on-how-australias-population-is-growing-and-changing-227153">natural decline by 2054</a>. <h2>Population problem</h2> In Australia, there has been a preoccupation with the <a href="https://www.aihw.gov.au/reports/australias-health/profile-of-australias-population">drivers of population change</a> since colonisation. Is the nation’s population <a href="https://digital-classroom.nma.gov.au/defining-moments/postwar-immigration-drive">growing too slowly</a>? <a href="https://www.themandarin.com.au/237985-australia-population-27-million-milestone/">Too fast</a>? Why are women having <a href="https://theconversation.com/women-in-rich-countries-are-having-fewer-kids-or-none-at-all-whats-going-on-229185#:%7E:text=Simply%2C%20women%20are%20often%20not,and%20buying%20a%20first%20home.">too few children</a>? Are the <a href="https://www.smh.com.au/politics/federal/abbott-calls-for-middle-class-women-to-have-more-children-20200128-p53vkx.html">wrong kind of women</a> having too many children? Will migrants <a href="https://www.abc.net.au/news/2021-10-15/migrant-movement-in-australia-covid/100536114">want to come</a> to the country? Are there <a href="https://www.theguardian.com/australia-news/2024/mar/21/migration-numbers-australia-2023-rise">too many migrants</a> coming to Australia? Australia is rarely not in a state of <a href="https://theconversation.com/solving-the-population-problem-through-policy-110970">population panic</a>. Population panic once stemmed from being a small population in a big country vulnerable to external military attack. Now population panic is about the pace of growth being too great, due to immigration. And it doesn’t take much to stoke <a href="https://www.theguardian.com/global-development/2022/oct/18/global-population-growth-8-billion-unfdp-united-nations-warning-alarmism">population fear</a>. Population is charged and offers an easy trigger point to leverage voters. Politicians on all sides of the ideological landscape know this and use population discourse effectively for political gain. <figure><iframe src="https://www.youtube.com/embed/h5CubF42DGI?wmode=transparent&start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe></figure> Since the <a href="https://www.jstor.org/stable/41110698">early 1900s</a>, Australia’s history has been dotted with inquiries into growth and birth rates. In fact, at the time of colonisation, the male-dominated imbalance in the colony sparked calls for more women from Britain – <a href="https://unsw.press/books/the-future-of-us/">of suitable status</a> – to help arrest high rates of hooliganism, drunkenness, and sexually transmitted infections. Women of standing were believed to help socialise the nation and provide essential children for nation building. Nothing much has changed really, with the Treasurer Jim Chalmers saying in the lead up to the 2024 federal budget: “<a href="https://youtu.be/JLzp53D6thg?si=p8YheMdF0-ndO9DB">It would be better if birth rates were higher</a>”. <h2>So why aren’t women having babies?</h2> Australian federal treasurers have expressed concerns about birth rates over many years, across different governments. Chalmers wasn’t the first and he won’t be the last bemoaning below-replacement births. In 2004, then-treasurer Peter Costello <a href="https://ministers.treasury.gov.au/ministers/peter-costello-1996/transcripts/doorstop-interview-treasury-place-melbourne-16">famously said</a>: “have one for mum, one for dad and one for the country”. <a href="https://www.thenewdaily.com.au/finance/finance-news/2020/07/25/baby-bonus-frydenberg-costello">Josh Frydenberg, while treasurer, stated</a>: <blockquote> I won’t go as far as to say, like Peter Costello, “one for the mother, one for the father and one for the country”. But [what] I can say is that people should feel encouraged about the future and the more children that we have across the country, together with our migration, we will build our population growth and that will be good for the economy.“ </blockquote> In the 1940s, Australia held an inquiry into falling birth rates, and following the second world war Australians were called on to populate or perish. During the 1940s inquiry, <a href="https://catalogue.nla.gov.au/catalog/1786445">women were invited to make submissions</a> reflecting how difficult motherhood was and how unsupported they were: "You men in easy chairs say ‘populate or perish’. Well, I have populated and I have perished – with no blankets.” Many Australians now won’t achieve their desired family size because contemporary life is simply not conducive to having children. Having no or fewer children is now a forced outcome for a growing number of Australians. The barriers to having a child are now insurmountable for far too many. Housing affordability, gender inequality, financial insecurity and climate change make for an unstable and uncertain future. Young Australians are carrying the burden of the nation’s future and the burden is simply too much. They have seen the generational bargain crumble and are being denied a future because of the failings of politics past. <h2>Permanent versus net overseas migration</h2> Among the many nuances missing from the population debate is the difference in the terminology used to refer to immigration. From a planning point of view, permanent migration is discussed; from a population perspective, net overseas migration applies. The difference between the two is stark and used in a smoke and mirrors way to hide reality or harm an opponent. Government has much control over permanent migration, little control over net overseas migration. Permanent migration refers to the cap of permanent visas granted. The permanent migration program is reviewed annually by the <a href="https://immi.homeaffairs.gov.au/what-we-do/migration-program-planning-levels">Department of Home Affairs</a> with input from select experts, peak bodies, and government. Permanent migration <a href="https://www.aph.gov.au/About_Parliament/Parliamentary_departments/Parliamentary_Library/Budget/reviews/2023-24/Immigration">has fluctuated over the past ten years</a>, reflecting political point scoring. Under Tony Abbott’s government in 2014-15, permanent migration was just under 190,000. The permanent migration remained in the 180,000s until declining to over 160,000 in 2017-18 under Scott Morrison. Morrison also reduced permanent migration further to around 144,000 in 2021-22. In its final year, the Morrison government flagged increasing the planning level for <a href="https://treasury.gov.au/sites/default/files/2021-06/p2021-182464.pdf">permanent migration to 190,000</a>. Planning levels under the Anthony Albanese government were 195,000 and 190,000 in 2022-23 and 2023-24 respectively. The permanent migration program ceiling is set to decline by 5,000 places to 185,000 in 2024-25 under Albanese. Opposition Leader Peter Dutton has also announced his party would reduce permanent numbers to 140,000, seemingly linking <a href="https://www.liberal.org.au/latest-news/2024/05/16/leader-oppositions-budget-address-reply">housing affordability to permanent migration</a>. Dutton has also said his party would cut net overseas migration (NOM) but has since <a href="https://www.abc.net.au/news/2024-12-08/dutton-walks-back-promise-to-cut-net-migration/10469921">backtracked on his plan</a>, possibly because he realised it couldn’t be done. <blockquote class="twitter-tweet"> Explaining the 2024 Migration Surge A recent surge in net migration has become a hot topic, with politicians & media linking it to housing pressures. But what is Net Migration? And do we really have unusually high volumes of migration? <a href="https://t.co/TjzwbtGqsF">https://t.co/TjzwbtGqsF</a> <a href="https://t.co/aFHXIeC4ay">pic.twitter.com/aFHXIeC4ay</a> — Alan Gamlen (@alangamlen) <a href="https://twitter.com/alangamlen/status/1795721881699664286?ref_src=twsrc%5Etfw">May 29, 2024</a></blockquote> Net overseas migration feeds into population estimates and is the balance of incoming minus outgoing migration. <a href="https://immi.homeaffairs.gov.au/what-we-do/migration-program-planning-levels?fbclid=PAZXh0bgNhZW0CMTEAAaZPBEWLyQJhkvB8_SaqYBSgRdV_rx4Kjy86bbkugYRsOO2cukAoD2wd5dM_aem_AcfxCup1XXR8DP4ZaRfFTFaXggVYw8b8TyNLWsw-3fIenPm_wsx7xM0zfsZHmQ2OjYi0H-YUQdLxUjQUcT47Feij#:%7E:text=Net%20overseas%20migration%20%E2%80%93%20relationship%20with,New%20Zealanders%20and%20Humanitarian%20migrants">NOM is comprised</a> of temporary and permanent migration and includes refugees, students, working holiday makers, and even Australian and New Zealand citizens. A cut to the permanent migration program is unlikely to affect net overseas migration numbers. NOM is set to return to <a href="https://budget.gov.au/content/bp3/download/bp3_14_appendix_a.pdf">recent historical average</a> even without reduced permanent numbers. Most people granted permanency are <a href="https://immi.homeaffairs.gov.au/what-we-do/migration-program-planning-levels?fbclid=IwZXh0bgNhZW0CMTEAAR1aJLdjyJotVfICnc2Ge8vcrJ6DMCaPC4XfDOST9owl1qS4YfBYCKYPkBw_aem_AcegFZW0_vafT8J90jDFyG8aVhMd2f0Ab_9EqE1Y38Q5vuVT5NExZi5Um2BrkpHg0odl0odbI0pDfnUE7A34PRhi">already in the country</a>. What will occur with a reduced migration program is increased temporariness. Increased temporariness has the potential to erode social cohesion, harming migrants and Australian society overall. Just like births, populist tactics are used when talking immigration for quick political point scoring. It works, but is it good for people? <h2>Turning on ourselves</h2> Demography is often used against the population in a peculiar ploy to win political points. Take gender. Fewer birth means less expenditure on paid parental leave and superannuation for those receiving parental leave. Announcing <a href="https://www.abc.net.au/news/2024-05-14/federal-budget-pledges-superannuation-into-paid-parental-leave/103846312">increased</a> paid parental leave benefits and superannuation while knowing births are set to be fewer is political genius. Chalmers announced exactly this in the 2024 budget. <blockquote class="twitter-tweet"> BREAKING: Parliament has just passed our bill to expand Paid Parental Leave to 26 weeks. On top of that, we've announced a plan to pay super on PPL from 1 July 2025 - all part of our efforts to ensure women earn more, keep more of what they earn & retire with more as well <a href="https://twitter.com/hashtag/auspol?src=hash&ref_src=twsrc%5Etfw">#auspol</a> <a href="https://t.co/p3p4ib6sed">pic.twitter.com/p3p4ib6sed</a> — Jim Chalmers MP (@JEChalmers) <a href="https://twitter.com/JEChalmers/status/1769541268739080507?ref_src=twsrc%5Etfw">March 18, 2024</a></blockquote> The government says it’s doing more for women and mothers, but what it’s actually doing is a <a href="https://www.abc.net.au/news/2024-05-20/paid-parental-leave-payments-saving-millions-fertility-rate/103866506">whole lot of nothing</a>. There is no substantive examination of why women are saying no to motherhood. Demographic insights have enabled an effective political sleight of hand to give the illusion of doing something when actually not doing much at all. Blaming population growth for the housing crisis is another stroke of political mastery. Talking tough on population (immigration) while promoting and relying on immigration is a tale as old as Australia’s ageing population. When in opposition the talk is tough; when in government, actions speak louder than words. Governments and oppositions, no matter the political leaning, make promises and then realise immigration is the economic safety raft keep the economy afloat. <a href="https://ministers.treasury.gov.au/ministers/jim-chalmers-2022/speeches/budget-speech-2024-25">Chalmers talked tough</a> on immigration in his 2024 budget speech, pointing the finger of blame towards immigration for all manner of things, <blockquote> […] we’re addressing the pressures caused by population growth, with net overseas migration next year now expected to be half what it was last year. </blockquote> But the government can’t take the credit for lowering NOM – nothing they did lowered the artificially high rates of NOM Australia saw post COVID border reopening. Yes, the Albanese government has introduced changes to <a href="https://www.reuters.com/world/asia-pacific/australia-tightens-student-visa-rules-migration-hits-record-high-2024-03-21/">build integrity</a> into the <a href="https://www.reuters.com/world/asia-pacific/australia-raises-minimum-savings-student-visa-warns-fake-recruitment-2024-05-08/">migration system</a>, but NOM figures were set to decline anyway. It comes down to the way it is calculated. Border closures in Australia saw NOM fall to <a href="https://www.abs.gov.au/statistics/people/population/overseas-migration/2022-23-financial-year">-88,000 in 2020-21</a>. That’s negative nearly 90,000 people. <hr /> <iframe id="datawrapper-chart-9amUU" style="border: none;" title="Overseas migration in Australia from 2014 to 2024" src="https://datawrapper.dwcdn.net/9amUU/1/" width="100%" height="426" frameborder="0" scrolling="no" aria-label="Interactive line chart" data-external="1"></iframe> <hr /> This was the first such decline outside wartime in Australia’s recorded history. A big deal. Temporary migrants, including students, left Australia prematurely at the onset and peak of COVID-related measures. Morrison, prime minister at the time, told international students and temporary visa holders to “go home”, while saying those with critical skills <a href="https://www.abc.net.au/news/2020-04-03/coronavirus-pm-tells-international-students-time-to-go-to-home/12119568">could stay and contribute</a>: “For those backpackers in Australia who are nurses or doctors, or have other critical skills that can really help us during this crisis, then there will be opportunities for them”. Expendability of migrants echoed in this statement. What happened with the NOM during COVID closed borders was essentially a calculation reset. Higher than expected numbers of people left Australia prematurely. Students, especially, left Australia prior to their studies finishing. This resulted in greater outgoings of NOM than the recent average. NOM restarted the moment borders reopened, but because so many brought forward their exit the number of incomers weren’t balanced by the usual outflow of people. Taking a longer view of NOM prior to and since COVID-related measures shows smoother growth than popular media suggests. But nuance is hard to articulate in small soundbites, especially when the language of otherness is so enticing. <h2>Creating the ‘other’</h2> <a href="https://journals.sagepub.com/doi/10.1177/14705958231216936">The language of otherness</a> is used extensively in the population (immigration) narrative. Dutton played population bingo with his use of the word “foreign” in his 2024 budget reply speech referring to students, ending investment, and interference. Dutton also blamed migrants for road congestion and pressure on local services. His speech was a populist symphony. When in opposition, members of the now government also made disparaging comments about migrants. For example, <a href="https://www.smh.com.au/national/do-we-want-migrants-to-return-in-the-same-numbers-the-answer-is-no-20200501-p54p2q.html">Kristina Keneally</a> wrote an opinion piece suggesting migrants were taking jobs from locals. Fear about population is easily manufactured, and once created enables a fix the playmaker can resolve. Much like a David Copperfield magic special. The trouble with these tactics is in the enormous <a href="https://www.abs.gov.au/statistics/people/population/australias-population-country-birth/latest-release">diversity in Australia</a> – we risk turning on ourselves and eroding already fraying social cohesion. <h2>Shaping Australia</h2> Our preoccupation with population largely reflects the central place people and demography hold in the economy and very function of the nation. But we appear to have lost our heads, instead problematising the very heart of what makes us Australian: the people. Demography is a slow-moving train, and based on past and current trends population science can somewhat predict the future. The populist playbook results in population (namely immigration) used for political point scoring, to the detriment of the people, particularly the young. Australia is by no means perfect. There is much work to be done to fix the multiple crises the nation is confronted with – housing affordability, financial insecurity, gender inequality, and climate change. A sensible approach to population and immigration is needed to ensure living standards don’t go backwards. Migrants help us weather the demographic headwinds. Rather than use population for political gain, we need instead to harness the power of demography to solve our way out of the gigantic mess we’re in. The key is ensuring young people have a future worth living. <hr /> This is an edited extract from <a href="https://thamesandhudson.com.au/product/how-australian-democracy-works-and-why-we-need-it-more-than-ever/">How Australian Democracy Works</a>, a new collection of essays from The Conversation on all aspects of the country’s political landscape.<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/230409/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> By <a href="https://theconversation.com/profiles/liz-allen-10193">Liz Allen</a>, Demographer, POLIS Centre for Social Policy Research, <a href="https://theconversation.com/institutions/australian-national-university-877">Australian National University</a> This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/population-panic-how-demography-is-used-for-political-gain-230409">original article</a>. Image: Shutterstock </div>

Money & Banking

The renting trap snaring retirees – and how to avoid it

It has long been known that renting in retirement is associated with a lower quality of life. Understanding the causal factors can help you avoid a similar fate. There are many reasons why renting in retirement can be problematic. For a start, figures on how much income we need to retire comfortably usually assumes that you own your home – the cost of rent isn’t included. So, anyone using this as a guide falls well short, potentially by 20-40 per cent. Additionally: <ul> <li>Rent usually eats up a larger portion of retirement income than home ownership.</li> <li>Over time, rents typically keep rising while mortgage debts reduce.</li> <li>Home ownership provides equity to use for other investments, further boosting retirement income.</li> <li>Downsizing homeowners can make an additional superannuation contribution from the sale proceeds, which renters cannot.</li> <li>Homeowners can make accessibility modifications to meet their needs as they age, like installing ramps or rails.</li> <li>Homeowners have greater stability and aren’t subject to eviction (and moving costs) at short notice.</li> </ul> How big a problem is it? Numerous studies have highlighted the growing scale of the problem faced by renting retirees. <a style="color: #467886;" href="https://grattan.edu.au/report/renting-in-retirement-why-rent-assistance-needs-to-rise/" target="_blank" rel="noopener">The Grattan Institute</a> recently found that “two in three retirees who rent in the private market live in poverty,” and that “most older working Australians who rent do not have sufficient savings to keep paying rent in retirement.” The rental trap is also not exclusive to low-income earners. <a style="color: #467886;" href="https://everybodyshome.com.au/resources/priced-out-priced-out-an-index-of-affordable-rentals-for-australian-voters/" target="_blank" rel="noopener">Everybody’s Home</a> recently found Australians earning $100,000 per year – above the <a style="color: #467886;" href="https://www.abs.gov.au/statistics/labour/earnings-and-working-conditions/employee-earnings/latest-release" target="_blank" rel="noopener">national median of $1,396 per week</a> ($72,592 per year) – are struggling to pay their rent. The end result is that homelessness is a growing problem for over 55s – particularly women. <a style="color: #467886;" href="https://www.mercyfoundation.com.au/our-focus/ending-homelessness/older-women-and-homelessness/" target="_blank" rel="noopener">The Mercy Foundation</a> notes that homelessness among these women grew 6.6 per cent in the 2021 Census, following a huge 31 per cent increase in the 2016 Census. What is causing it? Not owning your own home in retirement is obvious answer here. But there are various contributing factors that see people forced to rent later in life, including losing their home and being financially unable to replace it. These include: <ul> <li>Divorce/separation – court and legal fees, counselling costs, division of assets (including the family home).</li> <li>Pre-retirement chronic illness – time out of the workforce for both the patient and their partner to care for them, loss of income, less going into super, and higher healthcare costs.</li> <li>Death of a partner – up-front bills like funeral expenses, surviving partner suddenly on a single income.</li> <li>Elder abuse – an estimated <a style="color: #467886;" href="https://www.aihw.gov.au/family-domestic-and-sexual-violence/population-groups/older-people#abuse" target="_blank" rel="noopener">one in six older Australians experience elder abuse</a>, including 2.1 per cent facing financial abuse.</li> <li>Domestic violence – fleeing abusive relationships with little or no money and assets.</li> <li>Climate change – loss of uninsured home/other assets as storms, floods, cyclones, and fires increase in frequency and severity.</li> <li>Scams – <a style="color: #467886;" href="https://www.nasc.gov.au/news/australians-better-protected-as-reported-scam-losses-fell-by-almost-26-per-cent" target="_blank" rel="noopener">Australians lost $2 billion to scams</a> in 2024.</li> <li>Gambling – <a style="color: #467886;" href="https://aifs.gov.au/research/research-snapshots/gambling-participation-and-experience-harm-australia" target="_blank" rel="noopener">46 per cent of gamblers are at risk of harm</a>, including losing their home.</li> <li>Housing unaffordability – soaring prices (and stamp duty) push home ownership out of reach.</li> </ul> Women often face the brunt of these effects, disadvantaged by the gender pay gap, having less in superannuation, often having primary or sole custody of children, and having less secure employment. How can you protect yourself? Thankfully, there are steps we can all take to protect ourselves and our retirement: <ul> <li>Get your foundations right for a strong financial footing – emergency fund, spending and investment plan, insurances, superannuation, estate planning.</li> <li>Make decisions jointly – letting your partner control finances alone means more risk for you and less spending oversight.</li> <li>Have contingency plans – your own bank account, independent financial and retirement plans, insurances, and back-up plans just in case.</li> <li>Get into the market ASAP – even a cheap investment property far from where you live is a financial asset and a roof over your head if needed.</li> <li>Consider co-ownership – if you can’t afford to buy property alone, split the purchase and ongoing costs with an adult child, sibling, or close friend. Alternatively, sub-let a room to offset the costs.</li> <li>Don’t settle for less – avoid accepting an unreasonable separation settlement just to resolve things quickly.</li> <li>Be alert – know the warning signs of scams, elder abuse, gambling addiction and domestic violence to avoid losing everything.</li> <li>Get independent advice – professional legal, accounting, and financial advice can help you build financial independence, create safeguards, and recover faster if disaster does strike.</li> </ul> Overall, the best thing you can do is simply to act. By being proactive instead of burying your head in the sand, your future self stands a much better chance of enjoying a comfortable retirement! Helen Baker is a licensed Australian financial adviser and author of the new book, Money For Life: How to build financial security from firm foundations (Major Street Publishing $32.99). Helen is among the 1% of financial planners who hold a master’s degree in the field. Proceeds from book sales are donated to charities supporting disadvantaged women and children. Find out more at <a style="color: #467886;" title="http://www.onyourowntwofeet.com.au/" href="http://www.onyourowntwofeet.com.au/" target="_blank" rel="noopener">www.onyourowntwofeet.com.au</a> Disclaimer: The information in this article is of a general nature only and does not constitute personal financial or product advice. Any opinions or views expressed are those of the authors and do not represent those of people, institutions or organisations the owner may be associated with in a professional or personal capacity unless explicitly stated. Helen Baker is an authorised representative of BPW Partners Pty Ltd AFSL 548754. Image: Shutterstock

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