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icare safeguards NSW workers with new Lung Health Mobile Clinic

icare has launched a new, state-of-the-art Lung Health Mobile Clinic, which has embarked on its inaugural road trip to deliver lung health checks to individuals across NSW. The new mobile clinic continues the legacy of a bus that has served the community for nearly 16 years, travelling more than 700,000km (almost to the moon and back), screening more than 53,000 people, and visiting over 300 destinations across NSW. Each year, the program provides lung health checks to more than 5,000 people, ensuring early detection and treatment of dust diseases like asbestosis, silicosis, and mesothelioma. Minister for Industrial Relations and Work Health and Safety, Sophie Cotsis MP, said the new Mobile Clinic underscores the NSW Government’s commitment to removing barriers like cost and location, ensuring workers across NSW have access to the critical support and care they need to safeguard their health. “Along with enforcement of the recent ban on engineered stone, the new Mobile Clinic demonstrates our commitment to improve outcomes for workers exposed to hazardous dust across NSW.” icare’s new Mobile Clinic is equipped with advanced technology and features including: • Digital chest X-ray technology, providing precise and reliable first instance imaging. • Enhanced spirometry (lung function) testing equipment to evaluate breathing capacity and respiratory performance. • Digital monitoring systems to streamline diagnostics and care. • A backup power supply to ensure uninterrupted operation in remote locations. • Greater accessibility and comfort, with larger clinical space designed to support both staff and clients. • An external design, created to help engage and welcome workers, and an interior mural by Mumbulla Creative - an Indigenous agency whose artwork reflects connection to Country, icare’s values and the people of NSW. icare urges anyone with past or present occupational exposure to hazardous dust - such as through mining, tunnelling, construction, or manufacturing - to prioritise their lung health. “A lung health check could save your life,” said icare Group Executive of General Insurance and Care, Britt Coombe. “Early detection is critical to effective treatment, and we’re here to make sure every worker, no matter where they live, has access to world-class care.” Lung health checks are painless, and take less than 30 minutes. The process includes: 1. Chest X-ray to detect abnormalities or damage. 2. Lung function testing to assess respiratory performance. 3. Consultation with a specialist doctor, who interprets results and provides tailored advice. 4. Referral for CT scan, as required to get a better image of the chest and lungs. Individuals are encouraged to contact icare directly, and the Dust Diseases Care team can help facilitate and fund lung health checks through local services, at icare’s Sydney CBD Kent Street clinic, icare’s lung bus, or organise transport should that be a barrier to screening in more remote locations. icare’s lung screening program adheres to the national guidance for doctors assessing workers exposed to respirable crystalline silica dust set by the Australian Department of Health and Aged Care, ensuring the highest standards of care for detecting and managing respiratory diseases. A clinical governance committee continually reviews emerging evidence on best-practice and makes recommendations to ensure icare delivers screening aligned with national standards. icare’s new Mobile Clinic underscores its commitment to removing barriers like cost and location, ensuring workers across NSW have access to the critical support and care they need to safeguard their health. For more information on lung health checks or to arrange a screening, visit the <a href="https://www.icare.nsw.gov.au/employers/employer-obligations/lung-screening-service" target="_blank" rel="noopener">Lung Screening Service website</a> or call 1800 550 027. Image credits: Supplied

Caring

More than 100 people duped in FB scam at Queensland couple's home

Leah and Gerard thought they had the perfect home. Peaceful neighbourhood, quiet street – until they were unwittingly transformed into the hottest discount superstore on Facebook Marketplace. The problem? They weren’t selling anything. “No idea why it’s happened to us,” Gerard told <a href="https://www.9news.com.au/national/scam-sees-a-hundred-people-turn-up-outside-queensland-couples-home/92763d2a-43ac-4596-a4d1-1d97f131ec2c" target="_blank" rel="noopener">Nine News</a>, still baffled by how their address became ground zero for a digital yard sale they never signed up for. It all began with a single, seemingly innocent knock at the door. A woman, hopeful and cash in hand, arrived to claim a bicycle she had “purchased” online. Leah and Gerard, unaware of their new status as involuntary retail moguls, had to break the news. But the knocks kept coming. And coming. And coming. “We had more than 100 people show up to our home looking for items that we supposedly had for sale, that we did not,” Leah said. From TVs to mattresses to outdoor furniture, their house was now the delivery hub of a scammer’s wildest dreams. If only Leah and Gerard had actually been running a secondhand store – they might have made a fortune. It wasn’t just a daytime ordeal either. These determined bargain hunters weren’t about to let something like the absence of an actual seller stop them. “They would arrive anywhere from 7:30 in the morning, right through until 10-10:30 at night,” Leah said. Some shoppers had even paid deposits in advance, while others went the extra mile – hiring Airtaskers to pick up non-existent goods. “So not good,” Gerard added, in what is arguably the understatement of the year. According to cyber support group ID Care, this isn’t an isolated incident. Scammers are increasingly using real addresses to make their fake listings seem legitimate. It’s an ingenious, if completely infuriating, tactic. “We find with many of the victims that are giving money, they’re also giving away scanned copies of their driver’s licence for example,” ID Care chief executive Dave Lacey said. And with identity theft a real concern, it turns out a too-good-to-be-true deal might end up costing you far more than just a missing couch. Leah and Gerard eventually took matters into their own hands, erecting a warning sign in their driveway to spare themselves from yet another disappointed customer. Their makeshift security checkpoint seemed to work, finally deterring the flood of hopeful buyers. Meanwhile, their local MP stepped in to get Meta to remove the scammer’s listing – presumably after realising that Facebook Marketplace doesn’t come with a customer service hotline. For Marketplace shoppers, the lesson is clear: If a deal seems too good to be true, it probably is. If the seller doesn’t have a real profile or their photos look like they came from a stock image catalogue, proceed with caution. And, of course, always double-check the pickup address before showing up at a random couple’s doorstep demanding a TV! After all, Leah and Gerard have been through enough. “We’re just thankful that it’s stopped,” Gerard said. And somewhere in Queensland, a fake seller is already on the lookout for their next unsuspecting “storefront”. Images: Nine News

Legal

Cruel scam targets radio star's elderly mum

Radio star Bianca Dye has revealed that her elderly mother was the target of a cruel scam. The i98 radio host told 9Honey that her mother, Anne, was at home when she received a series of texts from someone pretending to be her. The first text Anne received claimed that Dye was using a friends phone, before "they sent something about me needing help with an urgent tax bill." At the time, Dye was in Wollongong in NSW hosting the breakfast shift, when her mother received the "urgent tax bill" text requesting $3,000. "When parents get older, they don't want to bother you. She didn't want to stress me out," she added, fighting back tears. "But by not contacting me the day it happened and waiting until the next day, she had worked herself up into tears. She didn't sleep a wink." "So she was sending text messages to some stranger." By the time Anne rang her daughter, she was trying to transfer the money, but got the credit card number confused. Fortunately, Dye had a friend check in on her mum, who was able to take Anne to her local branch for help. "They got it all sorted, changed her PIN, no money had been taken out," Dye said. While it was a close call for Dye many Australians, particularly the elderly, are common targets for scammers. Dye hopes to raise awareness of such scams and spoke with cyber security expert Damien Cantelo of Apollo Secure who shared a few safety tips. "Certainly [parents] should take the approach of 'trust no one, assume nothing', because if it's a text message or a call, [scammers] are getting more sophisticated so it's harder to detect," Cantelo said. "A really good tip is to set up a 'safe word'. So you and your family have a word, you just make up a random word. "And if ever there's anything a little bit fishy going on, you can say, 'Oh, hey Bianca, what's the safe word?' And then if you don't have it, then they know to hang up." Dye added that as scams get more intricate, it may be more difficult for older people, especially those who may suffer from memory loss, to detect the scams. "It's a terrifying future for the elderly unless someone tech savvy is living in the house with them," Dye added. Image: Bianca Dye/ 9Honey

Money & Banking

Pilot explains why airplane mode on phones is so important

A seasoned pilot has explained the real reason why your phone needs to be on airplane mode for the duration of your next flight. The pilot broke down the precaution in a video he posted to TikTok, with the explanation racking up over 2 million views. “The plane mode button on your phone is not a conspiracy,” declared the pilot, before reassuring passengers that using your phone onboard won't cause the plane to “fall out of the sky” or even really “mess with the systems on board”. However, if too many flyers choose to use their phones all at once, it can inadvertently mess with the pilots’ radio communications with the control tower. “If you have an aircraft with 70, 80, 150 people on board, and even three or four people’s phones start to try to make a connection to a radio tower for an incoming phone call, it sends out radio waves,” the captain explained. “There’s the potential that those radio waves can interfere with the radio waves of the headset that the pilots are using.” He recalled a recent flight where he was using his headset to get “clearance on which way to go” and the message interference made it feel like there was a “mosquito” in his ear. “It’s definitely not the end of the world but it’s pretty annoying when you’re trying to copy down instructions and it sounds like there’s a wasp or something flying around,” the pilot declared. “So if you’re ever curious why you’ve got to put on plane mode, that’s why.” Image credits: Shutterstock

Travel Trouble

How an AI grandma is combating phone scams

Fraudsters frequently target the elderly for scams, so one company took matters into their own hands and created an AI grandmother who tricks phone scammers. At first glance Daisy looks like every other grandmother, with hobbies like knitting, a cat named Fluffy and loves talking about her family among other things. However, the AI chatbot is designed to trick phone scammers into thinking they are speaking to a real person. The AI, created by British mobile phone company O2, is designed to combat fraud, and while Daisy doesn't intercept any calls, she has a list of phone numbers used by UK scammers. Daisy's mission “is to talk with fraudsters and waste as much of their time as possible with human-like rambling chat to keep them away from real people,” the company said in a statement unveiling Daisy earlier this month. Her tactics have kept “numerous fraudsters on calls for 40 minutes at a time." Developed in partnership with London advertising agency VCCP, Daisy uses a custom language model to hold autonomous conversations with scam callers in real time. Her voice was modelled on a staff member's grandmother. “Whilst anyone can be a victim of a scam, criminal fraud gangs often target the elderly so we leaned into scammers’ own biases to create an AI granny based on a real relative of a VCCP employee,” the agency said in a statement. “Over the course of many hours of scam calls she’s told meandering stories of her family, talked at length about her passion for knitting and provided false personal information including made-up bank details.” Last year, Virgin Media O2, blocked more than £250 million ($A487.5 million) in suspected fraudulent transactions, which is roughly equivalent to stopping one every two minutes. According to the telecommunications company, Daisy was developed in response to research revealing that the top reason why the British public wouldn’t bait scammers themselves is because they don't want to waste their own time. “With scammers operating full-time call centres specifically to target Brits, we’re urging everyone to remain vigilant,” commented Murray Mackenzie, Virgin Media O2’s director of fraud. Daisy, has "all the time in the world", and the video's unveiling her character, showed just how positive her work has been. “It’s nearly been an hour!” one exasperated scammer said over the phone. Another fraudster said: “I think your profession is bothering people.” The chatbot replied: “I’m just trying to have a little chat.” Image: O2

Legal

Home and Away star's urgent scam warning

Home and Away star Ethan Browne, best-known for his role as Tane Parata on the show, has issued an urgent warning to fans following an influx of social media accounts impersonating him. The actor took to Instagram to warn fans about people impersonating him online. "Please protect yourselves and don't message anyone who claims to be me," Ethan said. "THEY ARE ALL SCAMS!" He went on to explain that he would never message anyone privately, and his Instagram and personal Facebook page are his only social media accounts. "I would never privately message anyone other than my family and friends," he wrote. "This Instagram and my private Facebook account (for family and friends) are my only social media accounts. Unfortunately I can't control every false account out there. Please be wise and don't respond to them." Fake Facebook profiles pretending to be actors often pop up on certain fan pages and interact with fans. One fan recalled her experience in one Home and Away Facebook group, saying that a a fake Ethan profile had reached out to her and started sending private messages, resulting in her blocking him. Another fan said: "I got one from him (supposedly) and I said he was one of my favourite actors on the show next thing, I know he wanted a photo of me and the pennies dropped I was being scammed." "I was scammed [by someone] who I thought was Tane from Home and Away, but it wasn't even him... he was saying he wanted to meet up and go out with me," another fan wrote. Image: Seven/ Instagram

Technology

Prince Philip's final phone call to King Charles revealed

Prince Philip was known for his quick wit and sense of humour, and now his family have shared their favourite moments with him in the BBC documentary Prince Philip: The Family Remembers. In the documentary, King Charles revealed the cheeky remarks the Duke made in their final phone call just hours before his passing on April 9, 2021 at the age of 99. Charles recalled discussing the Duke's upcoming 100th birthday celebrations and having to raise his voice so his father could hear him better, saying: “We’re talking about your birthday! And whether there’s going to be a reception!” The Duke quipped: “Well, I’ve got to be alive for it, haven’t I?” King Charles fondly shared what he said to his father's cheeky remark, “I told him ‘I knew you’d say that!'”. In another part of the documentary, the monarch recalled the benefits of having young parents. “He was marvellous at arranging silly games. I mean, the fun of having obviously young parents was… there were lots of chasing around and mad things," he said. Prince William also shared some of his fond memories with his late grandfather, recalling the pranks they used to pull together, and one of them being squirting mustard all over the ceiling - much to the Queen’s annoyance. “He used to take the lid off [the tube] and put it in your hands … and then he’d squish your hands together to fire the mustard onto the ceiling," William said. “He used to get in a lot of trouble from my grandmother,” he added. William’s cousins, Princess Anne’s children Zara Tindall and Peter Phillips, also remembered the same prank. “He gets you to hold it in your hands and I can’t remember exactly what he says — but he ends up slamming your hands together… it goes all over the ceiling,” Zara said. Her brother Peter added: “I actually think the marks are still there.” Image: Canadian Press/ Shutterstock Editorial

Family & Pets

Bondi Junction attack victim's family reveals final phone call

Heartbreaking details have emerged of the final video call hero security guard Faraz Tahir made hours before the tragedy. Tahir, was one of six victims killed during the Bondi Junction stabbing attack on April 13, and the only male victim to die in the attacks as he confronted knifeman Joel Cauchi. His loved ones have shared details of the final video call he made before going to work on that tragic day, ahead of a coronial inquest into the massacre beginning on Tuesday. Tahir's family said he was very excited to be starting his new life in a country he described as safe and "very peaceful". "That day ... he was talking to the whole family on a video call in Pakistan, and he was dressed up, and he told us that he was preparing to go to a job," the family told Seven News. "He said it's my first shift in Bondi Junction ... and he was really excited. "He finally felt safe in Australia … he said 'Australia is very beautiful, Australia is very exciting and very peaceful.'" Tahir and colleague Muhammad Taha ran to help when they heard people screaming and shouting. His family said they were proud of the courage Tahir showed during the horrific event. "He was serving as a security guard, and he went above and beyond ... we definitely consider him a hero," they told Seven News. “He did what he was meant to do to protect humanity." “And his sacrifice will make things better in future... to prevent these sorts of incidents happening again.” The inquest is set to go over evidence and hear from a handful of witnesses, which the family said will bring back painful memories. “It is an emotional time... to be going through it again,” they said. "The memories will come back." Images: 7News

Family & Pets

"I thought I was Bear Grylls": Woman speaks out after being trapped upside-down for 7 hours

A young woman who spent hours stuck upside-down between two boulders has spoken out about her horrific <a href="https://oversixty.com.au/travel/travel-trouble/woman-rescued-after-getting-stuck-in-between-two-boulders" target="_blank" rel="noopener">ordeal</a> as she was reunited with her rescuers. Matilda Campbell, a 23-year-old from Newcastle, was on a trip away with friends in Laguna, about a 30-minute drive from Cessnock, when she dropped her phone between two huge rocks. The young woman climbed down to retrieve her phone, and when she got stuck upside-down, her friends called 000 for help. Paramedics had to move the boulders using a specialist winch to reach Matilda, before facing the tricky task of “navigating” her out from her precarious position. After suffering minor injuries from the ordeal, Matilda has spoken out about how she ended up in the sticky situation. “We wanted to see nature ... and we saw these beautiful rocks so we sat there ... and then my friend had my phone and it slipped off the rock,” she told 7News. <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-permalink="https://www.instagram.com/reel/DBsj-x1CYI2/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/reel/DBsj-x1CYI2/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by 7NEWS Sydney (@7newssyd)</a> </div> </blockquote> “And I thought oh no I’m still paying off that phone I need it ... so I ventured down and thought I was Bear Grylls ... and I slipped head first into the crevice where I was stuck for seven hours." “I didn’t freak out at the start ... it took me about half an hour to realise I was fully stuck and then I started to have a big cry." “I’m very thankful I was with my friends, otherwise it would have been a very different story.” Campbell has since been reunited with her rescuers, to whom she says she owes her life, as she said, “I’m just thankful to see them again ... I wouldn’t be here today without them. So, I’m really thankful.” Specialist rescue paramedic Peter Watts said the rescue was “challenging but incredibly rewarding”, saying after the rescue, “In my 10 years as a rescue paramedic, I had never encountered a job quite like this.” In total, the woman spent seven hours hanging upside-down before she was freed, with only minor scratches and bruises but still without her phone, which could not be retrieved. Image credits: 7News

Travel Trouble

Readers response: What exercises or activities do you enjoy that help you stay mobile?

It's no secret that we start to physically show down as we age, but keeping active and mobile can keep us going. We asked our readers what exercised they do to keep mobile in retirement years, and the response was overwhelming. Here's what they said. Karen Ambrose - I’ve been a dance teacher since 1982 and am still teaching. Dancing is my happy place! Rosemary Andrews - Dragon Boat Paddling. I started when I was 59. Still going 14 years on. Love it!! Anne Gray - Pilates, Yoga, Zumba. Sue Ryan - Boxing, HIIT, Body Attack, Pilates, Aqua, Pump and running. I’m 72. Wendy Oliver - Chair based exercises. Anne Moulynox - Pickleball at least twice a week. I took up ballet at 70 but gave it up as it was far too sedate, so took up Pickleball at 73. Sally O'Neill - Volunteering makes me get up and meet other people. Robyn Harrison - Swim a kilometre twice a week and two long walks on the beach each week. Suzanne Bluett - Nothing better than walking. Lorraine Clarbull - Tai Chi. Image credits: Shutterstock

Body

Are older adults more vulnerable to scams? What psychologists have learned about who’s most susceptible, and when

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/natalie-c-ebner-1527554">Natalie C. Ebner</a>, <a href="https://theconversation.com/institutions/university-of-florida-1392">University of Florida</a> and <a href="https://theconversation.com/profiles/didem-pehlivanoglu-1527551">Didem Pehlivanoglu</a>, <a href="https://theconversation.com/institutions/university-of-florida-1392">University of Florida</a> About 1 in 6 Americans <a href="https://www.census.gov/library/stories/2023/05/2020-census-united-states-older-population-grew.html">are age 65 or older</a>, and that percentage <a href="https://www.ncoa.org/article/get-the-facts-on-older-americans">is projected to grow</a>. Older adults often hold positions of power, have retirement savings accumulated over the course of their lifetimes, and make important financial and health-related decisions – all of which makes them attractive targets for financial exploitation. In 2021, there were more than 90,000 older victims of fraud, according to the FBI. These cases resulted in <a href="https://www.ic3.gov/Media/PDF/AnnualReport/2021_IC3ElderFraudReport.pdf">US$1.7 billion in losses</a>, a 74% increase compared with 2020. Even so, that may be a significant undercount, since embarrassment or lack of awareness <a href="https://assets.aarp.org/rgcenter/econ/fraud-victims-11.pdf">keeps some victims from reporting</a>. <a href="https://ncea.acl.gov/elder-abuse#gsc.tab=0">Financial exploitation</a> represents one of the most common forms of elder abuse. Perpetrators are often individuals in the victims’ inner social circles – family members, caregivers or friends – but can also be strangers. When older adults experience financial fraud, they typically <a href="https://public.tableau.com/app/profile/federal.trade.commission/viz/AgeandFraud/Infographic">lose more money</a> than younger victims. Those losses can have <a href="https://doi.org/10.1057/sj.2012.11">devastating consequences</a>, especially since older adults have limited time to recoup – dramatically reducing their independence, health and well-being. But older adults have been largely neglected in research on this burgeoning type of crime. We are <a href="https://ebnerlab.psych.ufl.edu/natalie-c-ebner-phd/">psychologists who study social cognition</a> and <a href="https://ebnerlab.psych.ufl.edu/didem-pehlivanoglu/">decision-making</a>, and <a href="https://ebnerlab.psych.ufl.edu/">our research lab</a> at the University of Florida is aimed at understanding the factors that shape vulnerability to deception in adulthood and aging. <h2>Defining vulnerability</h2> Financial exploitation involves a variety of exploitative tactics, such as coercion, manipulation, undue influence and, frequently, some sort of deception. The majority of current research focuses on <a href="https://doi.org/10.1002/acp.3052">people’s ability to distinguish between truth and lies</a> during interpersonal communication. However, deception occurs in many contexts – increasingly, over the internet. Our lab conducts laboratory experiments and real-world studies to measure susceptibility under various conditions: investment games, lie/truth scenarios, phishing emails, text messages, fake news and deepfakes – fabricated videos or images that are created by artificial intelligence technology. To study how people respond to deception, we use measures like surveys, brain imaging, behavior, eye movement and heart rate. We also collect health-related biomarkers, such as being a carrier of <a href="https://pubmed.ncbi.nlm.nih.gov/8346443/">gene variants</a> that increase risk for Alzheimer’s disease, to identify individuals with particular vulnerability. And <a href="https://doi.org/10.20900/agmr20230007">our work</a> shows that an older adult’s ability to detect deception is not just about their individual characteristics. It also depends on how they are being targeted. <figure class="align-center zoomable"><a href="https://images.theconversation.com/files/593784/original/file-20240513-16-j9zy1i.png?ixlib=rb-4.1.0&q=45&auto=format&w=1000&fit=clip"><img src="https://images.theconversation.com/files/593784/original/file-20240513-16-j9zy1i.png?ixlib=rb-4.1.0&q=45&auto=format&w=754&fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/593784/original/file-20240513-16-j9zy1i.png?ixlib=rb-4.1.0&q=45&auto=format&w=600&h=339&fit=crop&dpr=1 600w, https://images.theconversation.com/files/593784/original/file-20240513-16-j9zy1i.png?ixlib=rb-4.1.0&q=30&auto=format&w=600&h=339&fit=crop&dpr=2 1200w, https://images.theconversation.com/files/593784/original/file-20240513-16-j9zy1i.png?ixlib=rb-4.1.0&q=15&auto=format&w=600&h=339&fit=crop&dpr=3 1800w, https://images.theconversation.com/files/593784/original/file-20240513-16-j9zy1i.png?ixlib=rb-4.1.0&q=45&auto=format&w=754&h=426&fit=crop&dpr=1 754w, https://images.theconversation.com/files/593784/original/file-20240513-16-j9zy1i.png?ixlib=rb-4.1.0&q=30&auto=format&w=754&h=426&fit=crop&dpr=2 1508w, https://images.theconversation.com/files/593784/original/file-20240513-16-j9zy1i.png?ixlib=rb-4.1.0&q=15&auto=format&w=754&h=426&fit=crop&dpr=3 2262w" alt="A figure with two circles and an arrow between them. One circle shows icons that symbolize individual susceptibility to deception -- like a brain, and a walking cane -- while the other has icons of types of deception, like mail or a text message." /></a><figcaption>Vulnerability depends not only on the person, but also the type of fraud being used. Natalie Ebner and Didem Pehlivanoglu</figcaption></figure> <h2>Individual risk factors</h2> Better cognition, social and emotional capacities, and brain health are all associated with less susceptibility to deception. Cognitive functions, such as how quickly our brain processes information and how well we remember it, <a href="https://doi.org/10.1177/1745691619827511">decline with age</a> and impact decision-making. For example, among people around 70 years of age or older, declines in analytical thinking are associated with <a href="https://doi.org/10.1037/xap0000426">reduced ability to detect false news stories</a>. Additionally, low memory function in aging is associated with <a href="https://doi.org/10.1093/geronb/gby036">greater susceptibility to email phishing</a>. Further, according to recent <a href="https://osf.io/preprints/osf/6f2y9">research</a>, this correlation is specifically pronounced among older adults who carry a gene variant that is a genetic risk factor for developing Alzheimer’s disease later in life. Indeed, some research suggests that greater financial exploitability may serve as <a href="https://doi.org/10.1016/j.neubiorev.2022.104773">an early marker</a> of disease-related cognitive decline. Social and emotional influences are also crucial. Negative mood can enhance somebody’s ability to detect lies, while <a href="https://doi.org/10.1037/xap0000426">positive mood in very old</a> age can impair a person’s ability to detect fake news. Lack of support and loneliness exacerbate susceptibility to deception. Social isolation during the COVID-19 pandemic has led to <a href="https://doi.org/10.1093/gerona/glaa077">increased reliance on online platforms</a>, and older adults with lower digital literacy are <a href="https://doi.org/10.1093/geront/gnac188">more vulnerable to fraudulent emails and robocalls</a>. Finally, an individual’s brain and body responses play a critical role in susceptibility to deception. One important factor is <a href="https://doi.org/10.1016/j.tins.2020.10.007">interoceptive awareness</a>: the ability to accurately read our own body’s signals, like a “gut feeling.” This awareness is correlated with <a href="https://doi.org/10.1093/geroni/igad104.3714">better lie detection</a> in older adults. According to <a href="https://doi.org/10.1093/gerona/glx051">a first study</a>, financially exploited older adults had a significantly smaller size of insula – a brain region key to integrating bodily signals with environmental cues – than older adults who had been exposed to the same threat but avoided it. Reduced insula activity is also related to greater difficulty <a href="https://doi.org/10.1073/pnas.1218518109">picking up on cues</a> that make someone appear less trustworthy. <h2>Types of effective fraud</h2> Not all deception is equally effective on everyone. <a href="https://doi.org/10.1145/3336141">Our findings</a> show that email phishing that relies on reciprocation – people’s tendency to repay what another person has provided them – was more effective on older adults. Younger adults, on the other hand, were more likely to fall for phishing emails that employed scarcity: people’s tendency to perceive an opportunity as more valuable if they are told its availability is limited. For example, an email might alert you that a coin collection from the 1950s has become available for a special reduced price if purchased within the next 24 hours. There is also evidence that as we age, we have greater difficulty detecting the “wolf in sheep’s clothing”: someone who appears trustworthy, but is not acting in a trustworthy way. In <a href="https://doi.org/10.1038/s41598-023-50500-x">a card-based gambling game</a>, we found that compared with their younger counterparts, older adults are more likely to select decks presented with trustworthy-looking faces, even though those decks consistently resulted in negative payouts. Even after learning about untrustworthy behavior, older adults showed greater difficulty overcoming their initial impressions. <h2>Reducing vulnerability</h2> Identifying who is especially at risk for financial exploitation in aging is crucial for preventing victimization. We believe interventions should be tailored, instead of a one-size-fits-all approach. For example, perhaps machine learning algorithms could someday determine the most dangerous types of deceptive messages that certain groups encounter – such as in text messages, emails or social media platforms – and provide on-the-spot warnings. Black and Hispanic consumers are <a href="https://www.ftc.gov/system/files/documents/reports/combating-fraud-african-american-latino-communities-ftcs-comprehensive-strategic-plan-federal-trade/160615fraudreport.pdf">more likely to be victimized</a>, so there is also a dire need for interventions that resonate with their communities. Prevention efforts would benefit from taking a holistic approach to help older adults reduce their vulnerability to scams. Training in <a href="https://doi.org/10.1007/s40520-019-01259-7">financial, health</a> and <a href="https://www.nature.com/articles/s41598-022-08437-0.pdf">digital literacy</a> are important, but so are programs to <a href="https://doi.org/10.1186/s12889-021-10363-1">address loneliness</a>. People of all ages need to keep these lessons in mind when interacting with online content or strangers – but not only then. Unfortunately, financial exploitation often comes from individuals close to the victim.<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/227991/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/natalie-c-ebner-1527554">Natalie C. Ebner</a>, Professor of Psychology, <a href="https://theconversation.com/institutions/university-of-florida-1392">University of Florida</a> and <a href="https://theconversation.com/profiles/didem-pehlivanoglu-1527551">Didem Pehlivanoglu</a>, Postdoctoral Researcher, Psychology, <a href="https://theconversation.com/institutions/university-of-florida-1392">University of Florida</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/are-older-adults-more-vulnerable-to-scams-what-psychologists-have-learned-about-whos-most-susceptible-and-when-227991">original article</a>. </div>

Money & Banking

Could a recent ruling change the game for scam victims? Here’s why the banks will be watching closely

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/jeannie-marie-paterson-6367">Jeannie Marie Paterson</a>, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a> and <a href="https://theconversation.com/profiles/nicola-howell-1160247">Nicola Howell</a>, <a href="https://theconversation.com/institutions/queensland-university-of-technology-847">Queensland University of Technology</a> In Australia, it’s scam victims who foot the bill for the overwhelming majority of the money lost to scams each year. A 2023 <a href="https://download.asic.gov.au/media/mbhoz0pc/rep761-published-20-april-2023.pdf">review</a> by the Australian Securities and Investments Commission (ASIC) found banks detected and stopped only a small proportion of scams. The total amount banks paid in compensation paled in comparison to total losses. So, it was a strong statement this week when it was revealed the Australian Financial Conduct Authority (AFCA) had <a href="https://my.afca.org.au/searchpublisheddecisions/kb-article/?id=f9f8941f-7379-ef11-ac20-000d3a6acbb4">ordered</a> a bank – HSBC – to compensate a customer who lost more than $47,000 through a sophisticated bank impersonation or “spoofing” scam. This decision was significant. An AFCA determination is binding on the relevant bank or other financial institution, which has <a href="https://www.afca.org.au/make-a-complaint#:%7E:text=Any%20determinations%20we%20make%20are,service%20is%20free%20to%20access">no direct right of appeal</a>. It could have implications for the way similar cases are treated in future. The ruling comes amid a broader push for sector-wide reforms to give banks more responsibility for <a href="https://www.fico.com/blogs/detection-prevention-tackling-scams-every-angle">detecting</a>, deterring and responding to scams, as opposed to simply telling customers to be “more careful”. Here’s what you should know about this landmark ruling, and what it might mean for consumers. <h2>A highly sophisticated ‘spoofing’ scam</h2> You might be familiar with “push payment” scams that trick the victim into paying money to a dummy account. These include the “<a href="https://www.acma.gov.au/articles/2024-01/scam-alert-re-emergence-hi-mum-scam">mum I’ve lost my phone</a>” scam and some <a href="https://www.scamwatch.gov.au/types-of-scams/online-dating-and-romance-scams">romance</a> scams. The <a href="https://www.smh.com.au/national/dragged-kicking-and-screaming-banking-giant-loses-battle-against-scam-victim-20241015-p5kide.html">recent case</a> concerned an equally noxious “bank impersonation” or “spoofing” scam. The complainant – referred to as “Mr T” – was tricked into giving the scammer access to his HSBC account, from which an unauthorised payment was made. The scammer sent Mr T a text message, purportedly asking him to investigate an attempted Amazon transaction. In an effort to respond to the (fake) unauthorised Amazon purchase, Mr T revealed security passcodes to the scammer, enabling them to transfer $47,178.54 from his account and disappear with it. The fact Mr T was dealing with scammers was far from obvious – scammers had information about him one might reasonably expect only a bank would know, such as his bank username. On top of this, the scam text message appeared in a thread of other legitimate text messages that had previously been sent by the real HSBC. <h2>AFCA’s ruling</h2> HSBC argued to AFCA that having to pay compensation should be ruled out under the <a href="https://download.asic.gov.au/media/lloeicwb/epayments-code-published-02-june-2022.pdf">ePayments Code</a>, a voluntary code of practice administered by ASIC. Under this code, a bank is not required to compensate a customer for an unauthorised payment if that customer has disclosed their passcode. The bank argued the complainant had voluntarily disclosed these codes to the scammer, meaning the bank didn’t need to pay. AFCA disagreed. It noted the very way the scam had worked was by creating a sense of urgency and crisis. AFCA considered that the complainant had been manipulated into disclosing the passcodes and had not acted voluntarily. AFCA awarded compensation covering the vast majority of the disputed transaction amount, lost interest charged to a home loan account, and $5,000 towards Mr T’s legal costs. It also ordered the bank to pay compensation of $1,000 for poor customer service in dealing with the matter, including communication delays. <h2>Other cases may be more complex</h2> In this case, the determination was relatively straightforward. It found Mr T had not voluntarily disclosed his account information, so was not excluded from being compensated under the ePayments Code. However, many payment scams fall outside the ePayments Code because they involve the customer directly sending money to the scammer (as opposed to the scammer accessing the customer’s account). That means there is no code to direct compensation. Still, AFCA’s jurisdiction is broader than merely applying a code. In considering compensation for scam losses, AFCA must consider what is “fair in all the circumstances”. This means taking into account: <ul> <li>legal principles</li> <li>applicable industry codes</li> <li>good industry practice</li> <li>previous AFCA decisions.</li> </ul> Relevant factors might well include whether the bank was proactive in responding to known scams, as well as the challenges for individual customers in identifying scams. <h2>Broader reforms are on the way</h2> At the heart of this determination by AFCA is a recognition that, increasingly, detecting sophisticated scams can be next to impossible for customers, which can mean they don’t act voluntarily in making payments to scammers. Similar reasoning has informed a range of recent reform initiatives that put more responsibility for detecting and responding to scams on the banks, rather than their customers. In 2023, Australia’s banking sector committed to a new “<a href="https://www.ausbanking.org.au/scam-safe-accord/">Scam-Safe Accord</a>”. This is a commitment to implement new measures to protect customers, including a confirmation of payee service, delays for new payments, and biometric identity checks for new accounts. Changes on the horizon could be more ambitious and significant. The proposed <a href="https://treasury.gov.au/consultation/c2024-573813">Scams Prevention Framework</a> legislation would require Australian banks, telcos and <a href="https://pursuit.unimelb.edu.au/articles/accc-vs-big-tech-round-10-and-counting">digital platforms</a> to take reasonable steps to prevent, detect, report, disrupt and respond to scams. It would also include a compulsory external dispute resolution process, like AFCA’s, for consumers seeking compensation for when any of these institutions fail to comply. Addressing scams is not just an Australian issue. In the United Kingdom, newly introduced <a href="https://www.bbc.com/news/articles/cy94vz4zd7zo">rules</a> make paying and receiving banks responsible for compensating customers, for scam losses up to £85,000 (A$165,136), unless the customer is grossly negligent.<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/241558/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/jeannie-marie-paterson-6367">Jeannie Marie Paterson</a>, Professor of Law, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a> and <a href="https://theconversation.com/profiles/nicola-howell-1160247">Nicola Howell</a>, Senior lecturer, <a href="https://theconversation.com/institutions/queensland-university-of-technology-847">Queensland University of Technology</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/could-a-recent-ruling-change-the-game-for-scam-victims-heres-why-the-banks-will-be-watching-closely-241558">original article</a>. </div>

Money & Banking

"This is horrific": Queen icon calls out convincing scam

Brian May has spoken out after becoming the target of a dangerous scam, urging people to be careful online. The guitarist of iconic rock band Queen was made aware of the scam by a fan, who sent him the TikTok of what seems to be May himself offering concert tickets at a discount. The video, which is actually AI-generated and has nothing to do with May or with Queen, shows the rockstar offering music fans the chance to see a concert from backstage. “I hope you’re all well out there,” says the fake Brian May in the video. “Some good news. Backstage tickets for my next show in your cities are now going for only $800, which were previously $2000. I’m only selecting 10 people in the comments, so if you’re ready to make payment, comment, ‘ready’.” May responded to the post publicly, sharing his horror and anger with fans over the “creepy” video, saying, “My God. This is horrific.” “I suppose this is now so easy to do – and there are always people who will sink to any depths to try to make a quick buck. Disgusting.” He continued, “Thanks for the alert dear (TikTok username) stereojazz. I’ve alerted our team and hopefully we can squash this.” Fans were quick to comment that they had almost been fooled by the convincing video. “That they abuse your beautiful personality for this scam hurts even more and is really scary. I hate it,” commented one. “It is insanely terrifying what AI can do these days,” wrote another. Image credits: TikTok

Legal

Do mobile phones cause brain cancer? Science makes definitive call

The question of whether mobile phones - specifically the electromagnetic radiation or radio waves emitted by these devices - cause cancer has been debated and researched for a long time, and now scientists have made a definitive call. A new comprehensive review commissioned by the World Health Organization has found that mobile phones are NOT linked to brain and head cancers. The systematic review, led by the Australian Radiation Protection and Nuclear Safety Agency (Arpansa), examined over 5,000 studies, which included 63 observational studies on humans published between 1994 and 2022 and is "the most comprehensive review to date" according to review lead author, associate prof Ken Karipidis. “We concluded the evidence does not show a link between mobile phones and brain cancer or other head and neck cancers," he said. The review, which was published on Wednesday, focused on cancers of the nervous system, salivary gland and brain tumours. They found no overall association between mobile phone use and cancer, even if people have used it for a long time (over 10 years) or spend a lot of time on their phones. “I’m quite confident with our conclusion. And what makes us quite confident is … even though mobile phone use has skyrocketed, brain tumour rates have remained stable,” Karipidis continued. Despite emitting electromagnetic radiation, also known as radio waves, the exposure is relatively low. Karipidis said people hear the word radiation and assume it is similar to nuclear radiation, “and because we use a mobile phone close to the head when we’re making calls, there is a lot of concern.” He clarified that “radiation is basically energy that travels from one point to another. There are many different types, for example, ultraviolet radiation from the sun." “We’re always exposed to low-level radio waves in the everyday environment.” While exposure from mobile phones is still low, it is much higher than exposure from any other wireless technology sources since they are used close to the head, Karipidis said. The association between mobile phones and cancers came about from early studies comparing differences between those with and without brain tumours and asking about their exposure history. According to Karipidis, who is also the vice-chair of the International Commission on Non-Ionizing Radiation Protection, the results from these kind of studies tend to be biased, as the group with the tumour tend to overreport their exposure. Based on these early studies WHO’s International Agency for Research on Cancer (IARC) designated radio-frequency fields like those from mobile phones as a possible cancer risk, but Karipidis said "this classification doesn’t mean all that much”. This is because the IARC has different classifications of cancer risk, with some substances classified as a “definite” carcinogen (such as smoking), and others as “probable” or “possible” carcinogens. Tim Driscoll, a professor at the University of Sydney and chair of the Australian Cancer Council’s occupational and environmental cancers committee, also backed the systematic review. “I think people should feel reassured by this study … but it’s worthwhile just remembering that the studies aren’t perfect, but the weight of evidence certainly is that mobile phones should be considered safe to use in terms of any concerns about increased risk of cancer,” Driscoll said. Images: Shutterstock

Body

New support system helps older Aussies who have fallen victim to scams

A new support system has been set up to help vulnerable older Australians who have fallen victim to dangerous scams. With millions of Aussies targeted every year, many of these targets are elderly with 30 percent of victims hesitant to come forward because they are too embarrassed to admit what's happened to them. One such victim, 86-year-old Mary, said she was humiliated after falling for a scam saying she is old enough to know better. "It serves me right, I shouldn't have been so trusting," she said. "You blame yourself and you don't really want to tell people how stupid you are, so you think, 'Well, I'll just have to bear it'." Mary was scammed when she received a call from a man pretending to be a technician, saying he needed access to her computer to resolve a problem in her area. Step by step, the "technician" got Mary to log-in and give him complete access to her entire online identification, completely cleaning her out of $20,000 in savings. This is why <a title="ID Support NSW" href="https://www.nsw.gov.au/id-support-nsw" target="_blank" rel="noopener">ID Support NSW</a> is now offering a free service to help older Australians be able to protect themselves online and spot suspicious activity. "The most common scams are romance and impersonation scams, where people pretend to be someone they're not," ID Support NSW's Jacqueline Wilson told <a href="https://9now.nine.com.au/today/scam-awareness-week-id-support-nsw-offering-free-help-for-older-australians/20d3f8d6-fe32-4b1d-af32-294e47f4412d" target="_blank" rel="noopener">Today</a>. "Most start with a text or call and once someone responds or engages, they usually end up losing money." Jacqueline said the best thing you could do if you even suspect a scammer was to just hang up the phone, saying, "You don't need to indulge them, you don't need to be polite, you don't need to engage in a long conversation." Image credits: Today

Legal

Warning over new scam preying on seniors

Police have issued an urgent warning for seniors to stay vigilant as a new scam targets more vulnerable Australians. Wollongong police officers have received reports of wills and estate documents allegedly being forged earlier this year, with inquiries ongoing. Scammers are currently targeting vulnerable members in the Illawarra community in Sydney, with elderly members of the community and their families being urged to take precautions to lower the risk of the new scam. "Examples of estate fraud include: a person signing a will that was a different document then they intended to sign, a person signing a will when they limited mental capacity, and an executor could pay themselves advances or unreasonable expenses from the estate,” a statement from a NSW Police spokesperson explained. Will fraud occurs when misleading or deceptive conduct is used while preparing a will. Executor fraud occurs when a person appointed to administer an estate uses deceitful tactics to gain access to estate assets, including false, fabricated or misleading statements used for the financial benefit. Anyone who has been affected or anyone with information have been urged to come forward to police. Image: Shutterstock

Legal

Yes, blue light from your phone can harm your skin. A dermatologist explains

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/michael-freeman-223922">Michael Freeman</a>, <a href="https://theconversation.com/institutions/bond-university-863">Bond University</a> Social media is full of claims that everyday habits can harm your skin. It’s also full of recommendations or advertisements for products that can protect you. Now social media has blue light from our devices in its sights. So can scrolling on our phones really damage your skin? And will applying creams or lotions help? Here’s what the evidence says and what we should really be focusing on. <h2>Remind me, what actually is blue light?</h2> Blue light is part of the visible light spectrum. Sunlight is the strongest source. But our electronic devices – such as our phones, laptops and TVs – also emit it, albeit at levels <a href="https://melasmaclinic.com.au/wp-content/uploads/2024/01/Melasma-LEDS.pdf">100-1,000 times</a> lower. Seeing as we spend so much time using these devices, there has been some concern about the impact of blue light on our health, including <a href="https://theconversation.com/do-blue-light-glasses-really-work-can-they-reduce-eye-strain-or-help-me-sleep-213145">on our eyes and sleep</a>. Now, we’re learning more about the impact of blue light on our skin. <h2>How does blue light affect the skin?</h2> The evidence for blue light’s impact on skin is still emerging. But there are some interesting findings. 1. Blue light can increase pigmentation <a href="https://academic.oup.com/ced/article-abstract/46/5/934/6598472?redirectedFrom=fulltext&login=false">Studies</a> <a href="https://onlinelibrary.wiley.com/doi/full/10.1111/srt.13401">suggest</a> exposure to blue light can stimulate production of melanin, the natural skin pigment that gives skin its colour. So too much blue light can potentially worsen hyperpigmentation – overproduction of melanin leading to dark spots on the skin – especially in people with darker skin. 2. Blue light can give you wrinkles Some research <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC6280109/">suggests</a> blue light might damage collagen, a protein essential for skin structure, potentially accelerating the formation of wrinkles. A laboratory <a href="https://pubmed.ncbi.nlm.nih.gov/29399830/">study suggests</a> this can happen if you hold your device one centimetre from your skin for as little as an hour. However, for most people, if you hold your device more than 10cm away from your skin, that would reduce your exposure <a href="https://en.wikipedia.org/wiki/Inverse-square_law">100-fold</a>. So this is much less likely to be significant. 3. Blue light can disrupt your sleep, affecting your skin If the skin around your eyes looks dull or puffy, it’s easy to blame this directly on blue light. But as we know blue light affects sleep, what you’re probably seeing are some of the visible signs of sleep deprivation. We know blue light is particularly good at <a href="https://journals.physiology.org/doi/full/10.1152/japplphysiol.01413.2009?rss=1">suppressing</a> production of melatonin. This natural hormone normally signals to our bodies when it’s time for sleep and helps regulate our sleep-wake cycle. By suppressing melatonin, blue light exposure before bed disrupts this natural process, making it harder to fall asleep and potentially reducing the <a href="https://www.tandfonline.com/doi/abs/10.1080/07420528.2023.2173606">quality of your sleep</a>. The stimulating nature of screen content further disrupts sleep. Social media feeds, news articles, video games, or even work emails can keep our brains active and alert, hindering the transition into a sleep state. Long-term sleep problems can also <a href="https://academic.oup.com/ced/article-abstract/40/1/17/6621145?login=false">worsen</a> existing skin conditions, such as acne, eczema and rosacea. Sleep deprivation can elevate cortisol levels, a stress hormone that breaks down collagen, the protein responsible for skin’s firmness. Lack of sleep can also weaken the skin’s natural barrier, making it more susceptible to environmental damage and dryness. <h2>Can skincare protect me?</h2> The beauty industry has capitalised on concerns about blue light and offers a range of protective products such as mists, serums and lip glosses. From a practical perspective, probably only those with the more troublesome hyperpigmentation known as <a href="https://dermnetnz.org/topics/melasma">melasma</a> need to be concerned about blue light from devices. This condition requires the skin to be well protected from all visible light at all times. The only products that are totally effective are those that block all light, namely mineral-based suncreens or some cosmetics. If you can’t see the skin through them they are going to be effective. But there is a lack of rigorous testing for non-opaque products outside laboratories. This makes it difficult to assess if they work and if it’s worth adding them to your skincare routine. <h2>What can I do to minimise blue light then?</h2> Here are some simple steps you can take to minimise your exposure to blue light, especially at night when it can disrupt your sleep: <ul> <li> use the “night mode” setting on your device or use a blue-light filter app to reduce your exposure to blue light in the evening </li> <li> minimise screen time before bed and create a relaxing bedtime routine to avoid the types of sleep disturbances that can affect the health of your skin </li> <li> hold your phone or device away from your skin to minimise exposure to blue light </li> <li> use sunscreen. Mineral and physical sunscreens containing titanium dioxide and iron oxides offer broad protection, including from blue light. </li> </ul> <h2>In a nutshell</h2> Blue light exposure has been linked with some skin concerns, particularly pigmentation for people with darker skin. However, research is ongoing. While skincare to protect against blue light shows promise, more testing is needed to determine if it works. For now, prioritise good sun protection with a broad-spectrum sunscreen, which not only protects against UV, but also light.<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/233335/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/michael-freeman-223922">Michael Freeman</a>, Associate Professor of Dermatology, <a href="https://theconversation.com/institutions/bond-university-863">Bond University</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/yes-blue-light-from-your-phone-can-harm-your-skin-a-dermatologist-explains-233335">original article</a>. </div>

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Optus giving away 20,000 free phones to vulnerable customers

Optus will be giving away 20,000 mobile phones to vulnerable customers ahead of the 3G network shut down. Following the footsteps of Telstra, who gave out <a href="https://www.oversixty.com.au/finance/money-banking/telstra-giving-free-phones-to-elderly-and-remote" target="_blank" rel="noopener">12,000 mobile phones</a> to their most vulnerable remote and elderly customers last month, Optus will offer thousands of free mobile phones to customers enduring financial hardship and vulnerable customers finding it difficult to replace their current phones. “We know that many impacted customers are actually using a 4G handset that reverts to 3G for calls, so it’s vital these customers understand the importance of upgrading their handsets when notified,” Optus’ head of new products Harvey Wright said. Messages have been sent to eligible customers, and the telco giant has also rolled out special deals encouraging Australian's to upgrade. The move to switch off 3G means that soon certain mobile devices will no longer be able to send texts, make calls, or contact triple-0 in an emergency. A few older 4G handsets will also be affected. Telstra will turn off their 3G network on August 31, while Optus will turn it off on September 1. TPG Telecom and Vodafone have already turned it off. Australia's mobile network operators say that the move will help boost the capacity, speed and reliability of the newer 4G and 5G networks. The Australian Mobile Telecommunications Association (AMTA) have also urged customers to take action to ensure that they stay connected. “Whether it’s your day-to-day mobile or one you keep in the drawer for an emergency, we encourage you to check all of your devices to ensure they will be supported once Australia’s 3G networks are switched off,” AMTA chief executive Louise Hyland said. The AMTA suggests that concerned customers should visit their <a href="https://amta.org.au/3g-closure/" target="_blank" rel="noopener">website</a> to find out if their devices will be supported. “It is important to note that while 3G networks are still in operation, those affected mobile devices will continue to connect to any available 3G network while in coverage, to make emergency calls to triple-0,” Hyland said. “However, once the 3G networks are fully closed, these phones will not be able to make emergency calls. “It is crucial to act now if you know you have an older mobile device and you haven’t already upgraded.” Image: Shutterstock

Money & Banking

Been scammed? Here's how to financially recover

Many people feel shame and embarrassment after realising they have been scammed. But you shouldn’t. You did nothing wrong; you are the victim of a crime. Not only are such feelings bad for your mental wellbeing, but they also often stop people reporting the scam or taking action to avoid further losses. Remember too that you’re not alone: victims reported more than 601,000 scams to the ACCC in 2023, together losing a staggering $2.74 billion. People of all ages, professions, and backgrounds have been affected. As hard as it may be, try to leave emotion aside and approach this like any other money matter – logically and methodically. Doing so will help you act faster and more decisively, which is crucial to your financial recovery. The following checklist will help you through this process: <ul> <li>Step 1 – Try to recoup your stolen money</li> </ul> Report the scam immediately. Contact your bank or card provider to stop the transaction being processed. Notify the company or marketplace where it occurred – they may have options to reverse the payment or for you to claim compensation for fraud. Also inform the ACCC’s Scamwatch and police if relevant, which may aid in tracking down the scammer and will help them alert the wider public on what to look out for. Unfortunately, the money is likely gone for good, but prompt action may just help you get some or all of it back. <ul> <li>Step 2 – Secure your accounts from further thefts</li> </ul> Once scammers have found a way to steal money, they often go back to try for more. Don’t let them! Freeze or cancel affected debit and credit cards, accounts etc. Change and strengthen all your passwords. Set up two-factor authentication if you haven’t already. Remove any suspicious applications on electronic devices. Double check the registrations of any business, adviser or tradesperson before engaging their services. Regularly check your superannuation, investments etc. to monitor for any inconsistencies. <ul> <li>Step 3 – Safeguard your cash flow</li> </ul> Don’t multiplying your losses by racking up new debts to cover the stolen money. That means limiting the use of credit cards, payday lenders and Buy Now, Pay Later schemes. Consider paying with cash instead to help you stick to a budget. If you have lost everything, register with Centrelink for income support. You may also be able to apply for hardship provisions with your bank, phone and energy providers and other essential services. <ul> <li>Step 4 – Get reputable advice</li> </ul> Legal advice may be able to get you out of bogus contracts, like loans or phone plans, and help you in the event your personal information has been stolen (which can be used in various ways to steal money). If you can’t afford a lawyer, there are free alternatives such as Legal Aid or Community Legal Centres. Specialist services such as the Women’s Legal Service may offer support where partner coercion or domestic abuse is involved. Accounting and financial advice may also help you navigate assistance options and longer term recovery efforts. <ul> <li>Step 5 – Rebuild your finances</li> </ul> Your ability to rebuild your finances after a scam will depend on a range of factors, including how much was lost plus your age and circumstances. You could seek to increase your earnings and/or cut your spending by tweaking your household budget, delaying retirement, or temporarily taking a second job to boost your income. Another option is to make your remaining finances work harder than before, such as adjusting your investment strategies (e.g. changing your risk weightings or selling assets) including within your superannuation or accessing equity in your home. If you’re a self-funded retiree, you may now qualify for a part or full pension if your scam losses push your total assets below the means test threshold. Ultimately, the most important things when dealing with the fallout from a scam is to look after yourself and protect what you have left. Scammers have already taken off with your dollars. Don’t let them steal your sense too! Helen Baker is a licensed Australian financial adviser and author of On Your Own Two Feet: The Essential Guide to Financial Independence for all Women. 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/">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 credits: Shutterstock

Money & Banking

Aussies warned over new nbn scam

Aussies have been warned against a new nbn scam targeting businesses and residents. Last year, about 1,800 Australians lost more than $1.2 million to scammers pretending to be nbn employees in a remote access scam. Now, they have found a new way to scam unsuspecting businesses and residents by pretending to be employees and getting people to hand over their personal details and money in areas where actual nbn employees are working. The opportunistic scammers have been randomly knocking on doors or cold calling homes in areas where nbn technicians are installing new fibre. A few people have already been duped, with nbn impersonators calling customers claiming they need money to pay for new internet hardware or postage costs. Scammers have also offered to inspect people's homes for a nbn fibre upgrade and took their bank account details in the process. Other impersonators have called customers saying they would show up a few days later, despite having no prior appointment booked. Scammers have also impersonated staff, and used the presence of actual nbn vehicles on the street as proof of their authenticity. “These impersonators are also asking residents for payment to test their services or secure upgrades and repair works in the future,” nbn Local head Chris Cusack said. “In taking the payment these people are then skimming banking and card details to extract more money afterwards. “We are asking residents to be extra-vigilant against scams, especially while legitimate nbn work is underway.” Nbn has advised that their technicians would always contact people to ensure they were aware of visits before their appointments, and inform them of where they will be doing fibre upgrades. They also send their customers texts to confirm or cancel the appointment, and let them know when they are on their way. Nbn technicians never ask for payment for an appointment, postage costs, hardware costs, or access to any devices. Approved technicians and workers all carry identification cards, and the nbn Local head suggested that customers should always request to see the card before providing access to their residence. “Do not share your bank or personal details with an unsolicited caller or with people who door knock claiming to be from nbn trying to sell you an nbn service or seeking payment for related services,” Cusack said. “If you get contacted like this, please close your door, or hang up the phone and report it to the ACCC’s Scam watch.” Images: news.com.au

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