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Aussie bank says good news on the way for homeowners

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

Money & Banking

Outrage after shirtless man knocks out 92-year-old woman

<p>In a horrifying broad daylight attack that has shaken the Williamstown community southwest of Melbourne, CCTV footage has captured the moment a shirtless man allegedly knocked a 92-year-old woman unconscious outside a busy shopping centre.</p> <p>The unprovoked incident occurred just after midday, as the elderly woman was walking along Douglas Parade in Williamstown. According to Victoria Police, a shirtless man approached her and suddenly swung his arm, striking her in the head. The blow sent the woman crashing to the pavement, rendering her unconscious.</p> <p>Disturbing CCTV vision shows the man calmly walking away from the scene as the elderly victim lies motionless on the ground. Witnesses can be seen rushing to her aid moments later, with some members of the public reportedly restraining the man until police arrived.</p> <p>Ambulance Victoria confirmed the woman was transported to hospital in a stable condition. Miraculously, her injuries are not considered life-threatening.</p> <p>In a statement later released from her hospital bed, the woman expressed deep gratitude to those who came to her aid.</p> <p>"I wish to thank all those who have been so caring of me," she said. "I remember nothing of the actual incident, but when I woke up, I was surrounded by the police and ambulance and caring onlookers. I wish to thank everyone for their concern. I'm pleased to go home as I have a loving family and supportive friends."</p> <p>The alleged attacker, a 39-year-old man with no fixed address, was arrested on the scene and has since been charged with intentionally causing injury.</p> <p>Police are continuing their investigation and are urging anyone who witnessed the attack or has further footage to come forward.</p> <p><em>Images: Victoria Police</em></p>

Caring

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

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

Caring

Sam Burgess shares joyous family news

<p>In heartwarming news from abroad, NRL great Sam Burgess and his wife Lucy have announced they are expecting their second child together.</p> <p>The couple, who tied the knot in a picturesque Roman ceremony in late 2023, revealed the happy news during another romantic getaway to Italy. Lucy shared a glowing photo from Capri, proudly cradling her baby bump and captioned it simply: “A perfect weekend in Capri.”</p> <p>Their growing family already includes daughter Robbie, born in September 2023. The little one played a starring role in her parents’ wedding, held at the stunning 17th-century Villa Aurelia in Rome.</p> <p>Burgess, now 36, proposed to Lucy in June last year, and their whirlwind year of love continues with this newest chapter. The upcoming arrival will be Sam’s fourth child; he shares two children with his former wife, Phoebe.</p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-captioned="" data-instgrm-permalink="https://www.instagram.com/p/DJALapfs7Pi/?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/DJALapfs7Pi/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by Lucy Burgess (@itslucyburgess)</a></p> </div> </blockquote> <p>Currently, Burgess is based in England, where he is making waves as head coach of Super League team Warrington. He recently led his side to a 32-18 victory over St Helens before jetting off to Italy – and what better way to celebrate than with some family joy?</p> <p>While Burgess has often been linked to a potential coaching return to the NRL – possibly with his beloved South Sydney Rabbitohs – he’s acknowledged that the peace and balance of life in England suits his young family. “It’s a really nice place to be for now with a young family,” he said recently. “I’ve got this year and next year at Warrington, which I will definitely do… After that, who knows?”</p> <p>For now, the couple are basking in the glow of their expanding family, and fans on both sides of the world are celebrating with them.</p> <p><em>Images: Instagram</em></p>

Family & Pets

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

<div class="theconversation-article-body"> <p>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.</p> <p>It’s a neat idea. Short, encouraging and full of promise. But there’s just one problem: it’s not true.</p> <p>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.</p> <p>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>.</p> <h2>How long does it really take?</h2> <p>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.</p> <p>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.</p> <p>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.</p> <p>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.</p> <h2>What determines whether a habit will stick?</h2> <p>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.</p> <p>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.</p> <p>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.</p> <p>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.</p> <p>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.</p> <p>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.</p> <h2>8 tips for building lasting habits</h2> <p>If you’re looking to build a new habit, here are some science-backed tips to help them stick:</p> <ol> <li> <p>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.</p> </li> <li> <p><a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC3505409/">Make it easy</a>. Start small. Choose a behaviour you can realistically repeat daily.</p> </li> <li> <p>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.</p> </li> <li> <p><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.</p> </li> <li> <p>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.</p> </li> <li> <p>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.</p> </li> <li> <p>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>.</p> </li> <li> <p><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.</p> </li> </ol> <h2>Why the 21-day myth matters</h2> <p>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.</p> <p>By contrast, understanding the real timeline can help you stay motivated when things feel slow.</p> <p>Evidence shows habit formation usually takes at least two months, and sometimes longer. But it also shows change is possible.</p> <p>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.</p> <p>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" /></p> <p><em>By</em> <em><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></em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/forming-new-habits-can-take-longer-than-you-think-here-are-8-tips-to-help-you-stick-with-them-255118">original article</a>.</em></p> <p><em>Image: Shuttertock</em></p> </div>

Mind

Distressing new details surrounding Audrey Griffin's murder

<p>After Adrian Torrens, the <a href="https://www.oversixty.com.au/finance/legal/murder-charge-laid-after-death-of-19-year-old-ironwoman" target="_blank" rel="noopener">man accused</a> of murdering 19-year-old Audrey Griffin, took his own life inside Silverwater Prison just days after being charged with her death, new details have been revealed around the lead-up to Griffin's death.</p> <p>According to the <a href="https://www.dailytelegraph.com.au/news/nsw/shock-new-details-uncovered-about-audrey-griffins-accused-killers-prison-suicide/news-story/c0ecc3866fecb0ba3a122c561bff2267" target="_blank" rel="noopener">Daily Telegraph</a>, authorities confirmed that Torrens, 53, borrowed a razor blade from his cellmate last Thursday under the pretence of needing to shave ahead of a court appearance. Torrens then used the blade to end his life within the shared cell.</p> <p>No foul play is suspected on the part of prison staff or inmates, and an official report is being prepared for the Coroner.</p> <p>Just days earlier, Torrens had been charged with Griffin’s murder, nearly a month after her body was discovered in a creek bed near The Entrance Road at Erina. At first, Griffin’s death was believed to be a tragic accident despite multiple autopsies. This changed when detectives uncovered critical CCTV footage from outside the Elanora Hotel in East Gosford, recorded in the early hours of March 23 – which showed Griffin walking past the hotel shortly after 2am, with Torrens following closely behind. Griffin had told friends she intended to take an Uber to Terrigal, but she never made it.</p> <p>Investigators later learned Torrens had shown signs of distress during a routine visit to a Community Corrections Office two weeks after Griffin’s death, and that he appeared emotionally troubled, citing a recent relationship breakdown and concerns over his mother's health. <span style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;">At the time, he was serving an 18-month community corrections order for previous domestic violence offences. </span></p> <p>Following the public release of the CCTV footage, several of Torrens’ associates came forward, with one witness telling police Torrens had confessed to killing Griffin and described leaving her body in the mangroves.</p> <p>NSW Police Commissioner Karen Webb expressed full confidence in the officers handling the complex case, saying that the CCTV footage was released the same day investigators identified its significance.</p> <p>A final determination on the circumstances surrounding Torrens' death will be made at a future coronial inquest.</p> <p><em>Images: Facebook / LinkedIn</em></p>

Legal

Robert Irwin announces new Hollywood career move

<p>The ballroom just got a little more... reptilian.</p> <p>Robert Irwin, the 21-year-old Aussie wildlife warrior and part-time crocodile whisperer, has officially signed on for the upcoming season of <em>Dancing With The Stars US</em>. And how did he announce it? By strutting shirtless onto a stage in Los Angeles with a snake around his neck like it was just another Tuesday.</p> <p>The announcement came during Hulu’s <em>Get Real</em> event, where Robert delivered an enthusiastic (and slightly slippery) surprise to the crowd. Cheers erupted, though it’s unclear if they were for Robert, the snake, or the possibility of a <em>paso doble</em> performed in khaki.</p> <p>Robert, who grew up watching his sister Bindi Irwin twirl and samba her way to victory on Season 21 of the show, shared his excitement, saying: “I had these little dreams, going, ‘One day’ and now that dream is a reality and I am over the moon.”</p> <p>Which, we can assume, is also how the snake felt about its brief moment of fame.</p> <p>Taking to Instagram, Robert confirmed the dream was, in fact, no hallucination caused by excessive exposure to eucalyptus.</p> <p>"It's official, I'm heading to Hollywood for Dancing With The Stars Season 34," he wrote. "This has been a dream of mine since I was a little kid watching my sister's incredible journey on the show. I cannot believe it is about to become a reality. So grateful."</p> <p>Naturally, fans flooded the comments with well-wishes, excitement and at least one person probably asking, “Is the snake going to dance too?”</p> <p>Even the official DWTS account chimed in with a warm “Welcome to the DWTS fam”. </p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-captioned="" data-instgrm-permalink="https://www.instagram.com/reel/DIxrOK-h6H8/?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/DIxrOK-h6H8/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by Robert Irwin (@robertirwinphotography)</a></p> </div> </blockquote> <p>But the pressure is real. Bindi Irwin won her season at just 17 years old, leaving Robert with some big dancing shoes to fill – and possibly a pair of backup snakes. Her most iconic moment? A moving contemporary tribute to their late father, Steve Irwin, that had the judges, the audience and half the internet sobbing into their glitter.</p> <p>Bindi said at the time: "What shaped me the most would probably be when my dad passed away. It's been nine years and I've never really dwelled on that point. I think I'm ready to tell that story."</p> <p>So, the bar is high. Emotionally and choreographically.</p> <p>While Robert’s signature style has been more khaki-and-cobra than sequins-and-salsa, we eagerly await his transformation into a glittery, rhinestone-studded dance machine. Will he bring more snakes? Will he attempt a tango with a tarantula? Will he rip his shirt off mid-routine like it’s Magic Mike: Down Under?</p> <p>Stay tuned. Season 34 is shaping up to be wild – literally.</p> <p><em>Images: Instagram</em></p>

Murder charge laid after death of 19-year-old ironwoman

<p>A 53-year-old man has been charged with the murder of 19-year-old ironwoman <a href="https://www.oversixty.com.au/health/caring/beloved-aussie-athlete-found-dead-at-just-19" target="_blank" rel="noopener">Audrey Griffin</a>, nearly a month after her body was discovered in a creek on the NSW Central Coast.</p> <p>Griffin’s body was found partially submerged in Erina Creek near The Entrance Road in Erina around 3:45pm on March 23 – the same day she was reported missing following a night out with friends.</p> <p>At the time, her death was not considered suspicious. However, a renewed police investigation and subsequent inquiries shifted the course of the case, culminating in the man’s arrest in Sydney on Monday April 21.</p> <p>The breakthrough came just three days after police released an image of a man they were seeking to speak with in relation to the case.</p> <p>The man was taken into custody and transported to Surry Hills Police Station, where he was charged with murder. In addition, he faces 11 domestic violence charges that are unrelated to the murder.</p> <p>Police will allege the man was involved in a physical altercation with Griffin prior to her death.</p> <p>He was refused bail and is due to appear before Downing Centre Local Court.</p> <p>Audrey Griffin was a promising young athlete and beloved member of the surf lifesaving community. Her death has sent shockwaves through the local community and beyond.</p> <p>Police have not ruled out further charges as investigations continue.</p> <p><em>Images: Facebook</em></p>

Legal

Amber Alert issued for 3-year-old boy

<p>An urgent Amber Alert has been issued for a three-year-old boy believed to have been taken from a home in Oxenford on the Gold Coast late last night.</p> <p>Queensland Police are seeking immediate public assistance to help locate the child, who detectives say was taken from a residence on Vine Circuit around 11:30pm.</p> <p>Authorities believe the boy is with a 30-year-old woman known to him. Police have expressed grave concerns for the child's safety, stating that he may be at "significant risk".</p> <p>The child is described as Caucasian, with blonde curly hair and blue eyes. The woman accompanying him is described as having a slim build, blue eyes, and long blonde hair with pink highlights.</p> <p>Police are urging anyone who may have seen the pair or who has information about their whereabouts to contact emergency services immediately by calling 000 or Crime Stoppers at 131 564.</p> <p>More updates will follow as the situation develops.</p> <p><em>Images: Today show / Queensland Police</em></p>

Caring

"Repeat offenders": New cameras rake in $30 million in just six months

<p>South Australia’s mobile phone detection cameras have netted more than $30 million in fines in just six months, revealing a staggering level of distracted driving despite a prior grace period.</p> <p>Since the cameras were officially activated on September 19, 2024, police have issued 46,476 fines to motorists caught using their phones behind the wheel. That’s an average of 200 people a day being caught – a drop from the 350 daily detected during the initial warning phase.</p> <p>During the three-month trial period following their mid-2024 introduction, the high-tech cameras sent out 64,454 warning letters. But once enforcement began, authorities wasted no time. In the first three months alone, 28,120 expiation notices were issued. The number dipped slightly in the next quarter, with just over 18,000 further infringements recorded.</p> <p>Superintendent Shane Johnson said while the declining numbers were a positive sign, the prevalence of repeat offenders remained troubling. “The number of repeat offenders has been disappointing, and police continue to investigate these offences,” he said. “Some registered owners have been issued with over 20. That is absolutely a serious concern for us.”</p> <p>Among the most alarming cases was one registered driver who racked up an astonishing 41 fines. In total, 308 drivers received four or more fines during the six-month period.</p> <p>South Australia's Police Minister Stephen Mullighan described the level of mobile phone use among drivers as “unacceptably high” but said the figures highlight the effectiveness of the detection technology.</p> <p>Motorists caught by the cameras face a $556 penalty, a $102 Victims of Crime Levy, and three demerit points. And while South Australia is pushing ahead – with two more detection cameras soon to be deployed – authorities have yet to reveal their locations.</p> <p>However, officials also cautioned that collecting the fines is another challenge altogether. In Queensland, for example, $160 million in seatbelt and mobile phone fines remains unpaid.</p> <p>SA Police used the release of the new data to remind drivers just how dangerous it is to take their eyes off the road – even briefly. “Being distracted by a mobile for two seconds at 60 kilometres an hour means a driver travels 33 metres without their eyes on the road,” a police spokesperson said. “At 100 kilometres an hour, that distance increases to 55 metres.”</p> <p>With enforcement ramping up and new cameras on the way, authorities hope the downward trend continues – and that more drivers will finally put the phone down.</p> <p><em>Images: SA Police</em></p>

Legal

Manhunt underway after 65-year-old woman killed in drive-by shooting

<p>A police manhunt is underway in Sydney’s south-west after a woman was fatally shot in a brazen drive-by attack overnight.</p> <p>Emergency services were called to a home on Dickens Road in Ambarvale about an hour south-west of the Sydney CBD at around 11pm on Monday night, following reports of gunfire. A 65-year-old woman was found with a gunshot wound to the leg and died at the scene despite efforts to save her.</p> <p>According to police, the shots were fired from an unknown vehicle that fled the area shortly after the attack. The home was peppered with bullets, with at least 10 yellow bullet-casing markers seen on the road outside the property.</p> <p>Two other occupants – a 21-year-old woman and a 34-year-old man – were inside the home at the time but were not injured.</p> <p>Detectives from the local police command and the State Crime Command’s Homicide Squad are investigating the incident. On Tuesday morning, police vehicles remained at the scene as forensic teams combed the area for clues.</p> <p>Authorities have appealed to the public for information, stating that community cooperation will be crucial to identifying the perpetrator.</p> <p>“This is a shocking incident, and we’re asking anyone who saw or heard anything suspicious in the area to come forward,” police said.</p> <p>Witnesses or anyone with dashcam or CCTV footage from the area at the time of the shooting are urged to contact Crime Stoppers on 1800 333 000.</p> <p><em>Images: ABC News screenshots</em></p>

Legal

"Absolutely stunning!": Jelena Dokic wows fans with new look

<p>Former tennis star Jelena Dokic has debuted a striking new look, showcasing her dramatic weight loss and inspiring thousands with her message of self-love.</p> <p>The 41-year-old, once ranked world No. 4, made a radiant return to the spotlight as part of Channel 9’s coverage of the Billie Jean King Cup. A photo from the broadcast set quickly sparked an outpouring of support from fans, celebrating not just her transformation, but her ongoing role as a symbol of strength and positivity.</p> <p>“Back in the studio and back doing the tennis and TV with my @channel9 @wwos family,” Dokic shared with her 285,000 Instagram followers on Thursday. “Nice little lead into the next 3 grand slams of the year with a @billiejeankingcup week.”</p> <p>Supportive messages flooded the post, with fans praising her radiant presence. “You’re a dead set LEGEND Jelena,” one admirer wrote, while another added, “Absolutely stunning!”</p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-captioned="" data-instgrm-permalink="https://www.instagram.com/p/DIQMMW5pIcp/?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/DIQMMW5pIcp/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by JELENA DOKIC 🇦🇺🇦🇺🇦🇺 (@dokic_jelena)</a></p> </div> </blockquote> <p>Dokic has been open about her personal struggles, candidly discussing her battles with mental health, weight challenges and online bullying. In a heartfelt Instagram post from March 11, she reflected on her journey, using side-by-side images to convey a powerful message about body image.</p> <p>“What is the difference between the two images?” she asked. “Nothing except what you see on the outside, my BODY SIZE. I am the same hardworking person, respectful, generous, empathetic, compassionate, humble, kind, driven, strong, resilient, capable and loving person, woman and friend.”</p> <p>She continued, urging her followers to look beyond appearances: “Beauty has nothing to do with looks. It’s how you are as a person. It’s how you make others feel especially about themselves. No beauty shines brighter than that of a kind heart.”</p> <p>Now thriving as an author, expert tennis commentator and vocal advocate for mental health and body positivity, Dokic continues to inspire others with her authenticity and courage. Her documentary <em>Unbreakable</em>, which aired on Channel 9 earlier this year after its successful cinematic release in December 2024, has been met with rave reviews for its raw and honest portrayal of her life and career.</p> <p><em>Image: Instagram</em></p>

Body

Good news for beach lovers

<div class="theconversation-article-body"> <p>Picture this: you’re lounging on a beautiful beach, soaking up the sun and listening to the soothing sound of the waves. You run your hands through the warm sand, only to find a cigarette butt. Gross, right?</p> <p>This disturbing scene is typical of coastal pollution in Australia. But fortunately <a href="https://www.sciencedirect.com/science/article/pii/S0025326X25003261">our new research</a> shows the problem is getting better, not worse. Over the past ten years, the amount of waste across Australian coastal cities has reduced by almost 40%. We’re also finding more places with no rubbish at all.</p> <p>We surveyed for debris in and around six Australian urban areas between 2022 and 2024. Then we compared our results to previous surveys carried out a decade ago. We found less coastal pollution overall and reset a new baseline for further research.</p> <p>Our study shows efforts to clean up Australia’s beaches have been working. These policies, practices and outreach campaigns have reduced the extent of pollution in coastal habitats near urban centres. But we can’t become complacent. There’s plenty of work still to be done.</p> <figure class="align-center zoomable"><a href="https://images.theconversation.com/files/658227/original/file-20250328-62-jmuk08.jpg?ixlib=rb-4.1.0&q=45&auto=format&w=1000&fit=clip"><img src="https://images.theconversation.com/files/658227/original/file-20250328-62-jmuk08.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/658227/original/file-20250328-62-jmuk08.jpg?ixlib=rb-4.1.0&q=45&auto=format&w=600&h=450&fit=crop&dpr=1 600w, https://images.theconversation.com/files/658227/original/file-20250328-62-jmuk08.jpg?ixlib=rb-4.1.0&q=30&auto=format&w=600&h=450&fit=crop&dpr=2 1200w, https://images.theconversation.com/files/658227/original/file-20250328-62-jmuk08.jpg?ixlib=rb-4.1.0&q=15&auto=format&w=600&h=450&fit=crop&dpr=3 1800w, https://images.theconversation.com/files/658227/original/file-20250328-62-jmuk08.jpg?ixlib=rb-4.1.0&q=45&auto=format&w=754&h=566&fit=crop&dpr=1 754w, https://images.theconversation.com/files/658227/original/file-20250328-62-jmuk08.jpg?ixlib=rb-4.1.0&q=30&auto=format&w=754&h=566&fit=crop&dpr=2 1508w, https://images.theconversation.com/files/658227/original/file-20250328-62-jmuk08.jpg?ixlib=rb-4.1.0&q=15&auto=format&w=754&h=566&fit=crop&dpr=3 2262w" alt="A beautiful sandy beach, as seen from the cliff top." /></a><figcaption><span class="caption">One of the many beaches surveyed by CSIRO.</span> <span class="attribution"><span class="source">TJ Lawson</span></span></figcaption></figure> <h2>What we did</h2> <p>In Australia, three-quarters of the rubbish on our coasts is <a href="https://esajournals.onlinelibrary.wiley.com/doi/full/10.1002/fee.1447">plastic</a>. Even cigarette butts are mainly made of plastic.</p> <p>To tackle the pollution effectively, we need to understand where the waste is coming from and how it gets into the environment.</p> <p>Research has shown much of the <a href="https://www.nature.com/articles/srep44479">coastal debris</a> comes from local inland areas. Poor waste management practices can result in debris eventually making its way <a href="https://www.nature.com/articles/ncomms15611">through rivers</a> to the coast and <a href="https://www.science.org/doi/10.1126/science.1260352">out to sea</a>.</p> <p>We focused on urban areas because high population density and industrial activity contributes to waste in the environment. We examined six areas across Australia:</p> <ul> <li>Perth in Western Australia</li> <li>Port Augusta in South Australia</li> <li>Hobart in Tasmania</li> <li>Newcastle in New South Wales</li> <li>Sunshine Coast in Queensland</li> <li>Alice Springs in the Northern Territory.</li> </ul> <p>These places represent a starting point for the national baseline. At each location we studied sites on the coast, along rivers and inland, within a 100 kilometre radius.</p> <p>We inspected strips of land 2m wide. This involved two trained scientists standing in an upright position looking downward, slowly walking along a line surveying for debris items. Together they captured information about every piece of debris they came across, including the type of material and what it was originally used for (where possible).</p> <h2>What we found</h2> <p>On average, we found 0.15 items of debris per square metre of land surveyed. That’s roughly one piece of rubbish every five steps.</p> <p>Plastic was the most common type of waste. But in many cases it was unclear what the item was originally used for. For example, fragments of hard plastic of unknown origin were found in a quarter of all surveyed areas.</p> <p>Polystyrene fragments were the most common item overall (24% of all debris fragments). Other frequently encountered items included food wrappers or labels, cigarette butts, and hard plastic bottle caps or lids.</p> <p>We found more waste near farms, industry and disadvantaged areas.</p> <p>The types of waste varied among cities. For example, cigarette butts were the most prevalent items in Newcastle, Perth and the Sunshine Coast. But food wrappers and beverage cans were more prevalent in Port Augusta and Alice Springs, respectively.</p> <p>Hobart had the highest occurrence of beverage bottles and bottle fragments.</p> <figure class="align-center zoomable"><a href="https://images.theconversation.com/files/659486/original/file-20250403-56-enmjio.jpg?ixlib=rb-4.1.0&q=45&auto=format&w=1000&fit=clip"><img src="https://images.theconversation.com/files/659486/original/file-20250403-56-enmjio.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/659486/original/file-20250403-56-enmjio.jpg?ixlib=rb-4.1.0&q=45&auto=format&w=600&h=424&fit=crop&dpr=1 600w, https://images.theconversation.com/files/659486/original/file-20250403-56-enmjio.jpg?ixlib=rb-4.1.0&q=30&auto=format&w=600&h=424&fit=crop&dpr=2 1200w, https://images.theconversation.com/files/659486/original/file-20250403-56-enmjio.jpg?ixlib=rb-4.1.0&q=15&auto=format&w=600&h=424&fit=crop&dpr=3 1800w, https://images.theconversation.com/files/659486/original/file-20250403-56-enmjio.jpg?ixlib=rb-4.1.0&q=45&auto=format&w=754&h=533&fit=crop&dpr=1 754w, https://images.theconversation.com/files/659486/original/file-20250403-56-enmjio.jpg?ixlib=rb-4.1.0&q=30&auto=format&w=754&h=533&fit=crop&dpr=2 1508w, https://images.theconversation.com/files/659486/original/file-20250403-56-enmjio.jpg?ixlib=rb-4.1.0&q=15&auto=format&w=754&h=533&fit=crop&dpr=3 2262w" alt="Map of Australia showing the cities surveyed and their most prevalent waste item." /></a><figcaption><span class="caption">The most common type of waste varied among cities.</span> <span class="attribution"><span class="source">CSIRO</span></span></figcaption></figure> <h2>Targeting problem items</h2> <p>Identifying the different types of litter in the environment can help policymakers and waste managers target specific items and improve waste recovery.</p> <p>Research has shown container deposit legislation, which enables people to take eligible beverage containers to a collection point for a refund, has reduced the number of beverage containers in the coastal environment by <a href="https://www.sciencedirect.com/science/article/pii/S0308597X17305377">40%</a>. Hobart did not have a container deposit scheme in place at the time of our survey.</p> <p>Plastic bag bans can reduce <a href="https://pubmed.ncbi.nlm.nih.gov/31109543/">bag litter</a>. Now polystyrene food service items are becoming increasingly targeted by <a href="https://digital.detritusjournal.com/articles/policy-instruments-to-reduce-consumption-of-expanded-polystyrene-food-service-ware-in-the-usa/284">policymakers</a>.</p> <figure class="align-right zoomable"></figure> <h2>Making progress</h2> <p>When we compared our results to the <a href="https://esajournals.onlinelibrary.wiley.com/doi/abs/10.1002/fee.1447">previous survey</a> from 2011-14 we found a 39% decrease in coastal debris. We also found 16% more areas where no debris was present.</p> <p>Our results <a href="https://theconversation.com/local-efforts-have-cut-plastic-waste-on-australias-beaches-by-almost-30-in-6-years-184243">support previous research</a> that found an ongoing trend towards less waste on Australian beaches.</p> <p>We think our research demonstrates the effectiveness of improved waste management policies, campaigns such as the “Five R’s – Refuse, Reduce, Reuse, Repurpose, then Recycle” – as well as clean-up efforts.</p> <p>It’s likely that increased awareness is making a big dent in the problem. But reducing the production of plastic, and invoking changes further up the supply chain, would likely further help reduce mismanaged waste in the environment.</p> <h2>Implications for the future</h2> <p>Measuring and monitoring litter can inform policymaking and waste management. <a href="https://www.sciencedirect.com/science/article/pii/S0025326X25003261">Our research</a> serves as a benchmark for evaluating and informing future efforts to reduce plastic waste.</p> <p>We are heartened by the findings. But continued effort is needed from people across government, industry and Australian communities. Everyone needs to address how we produce, use and dispose of plastic for a cleaner and healthier planet. <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/253221/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em>By <a href="https://theconversation.com/profiles/stephanie-brodie-1492706">Stephanie Brodie</a>, Research Scientist in Marine Ecology, <a href="https://theconversation.com/institutions/csiro-1035">CSIRO</a> and <a href="https://theconversation.com/profiles/britta-denise-hardesty-2907">Britta Denise Hardesty</a>, Senior Principal Research Scientist, Environment, <a href="https://theconversation.com/institutions/csiro-1035">CSIRO</a></em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/good-news-beach-lovers-our-research-found-39-less-plastic-waste-around-australian-coastal-cities-than-a-decade-ago-253221">original article</a>.</em></p> <p><em>Image: Shutterstock</em></p> </div>

Domestic Travel

Sweet feat: high schooler smashes Raelene Boyle's 57-year-old sprint record

<p>Australian sprinting has a new superstar in the making! In a jaw-dropping performance at the national junior athletics championships in Perth, 17-year-old Leah O’Brien rocketed to glory, obliterating a 57-year-old record set by the legendary Raelene Boyle.</p> <p>O’Brien, a WA schoolgirl, stunned the athletics world by storming to victory in the under-18 100 metres, clocking an electrifying 11.14 seconds – with a perfectly legal tailwind of +1.7 metres per second. Her blistering run toppled Boyle’s iconic mark of 11.20 seconds from the 1968 Mexico City Olympics, a record many believed would stand for generations.</p> <p>“I think I have really put my name out there,” an elated O’Brien said, beaming with pride. “It's crazy to be running these times while still in high school!”</p> <p>But the milestones didn’t stop there. O’Brien’s dazzling dash also catapulted her into Australian sprinting history, drawing level with Olympic gold medallist Sally Pearson on the all-time national open 100m list – now tied at fourth-fastest ever. Only Torrie Lewis (11.10), Melissa Breen (11.11) and Melinda Gainsford-Taylor (11.12) have ever run faster.</p> <p>To make the feat even sweeter, O’Brien now finds herself ranked ninth in the world under-18 rankings, a remarkable achievement for the young star.</p> <p>Cheered on by family and friends, O’Brien soaked up the moment. “This is definitely the most support I’ve ever had. It’s so great to experience this moment with the people I love and share the happiness.”</p> <p>And she wasn’t done yet.</p> <p>Earlier in the championships, O’Brien also stormed to victory in the 200m, clocking a personal best of 23.37 seconds despite facing a stiff headwind of -1.1 m/s. In a thrilling race, she powered past Queensland’s Thewbelle Philp with her trademark long stride and high knee lift, leaving the field in her wake.</p> <p>The sprint sensation isn’t slowing down anytime soon. O’Brien will return to the track this week at the WA Athletics Stadium to contest the open 100m, where she’ll face established stars like Torrie Lewis, Bree Rizzo and Ebony Lane.</p> <p>With talents like O’Brien, Lewis, <a href="https://www.oversixty.com.au/entertainment/tv/i-m-saying-that-hands-down-matt-shirvo-s-bold-prediction" target="_blank" rel="noopener">Gout Gout</a> and Lachlan Kennedy rising rapidly through the ranks, Australia’s sprinting future looks brighter than ever as the countdown to the Brisbane 2032 Olympics begins.</p> <p><em>Images: Australian Athletics</em></p>

Body

Financial markets are tanking. Here’s why it’s best not to panic

<div class="theconversation-article-body"> <p>Financial markets around the world have been slammed by the Trump adminstration’s sweeping tariffs on its trading partners, and China’s swift retaliation.</p> <p>Share markets have posted their biggest declines since the COVID pandemic hit in 2020, as fears of US recession surged. Iron ore, copper, oil, gold and the Australian dollar have all tumbled.</p> <p>On Wall Street, <a href="https://www.reuters.com/markets/sp-500-loses-24-trillion-market-value-biggest-one-day-loss-since-2020-2025-04-03/">leading indices</a> have fallen around 10% since the tariffs were announced, while the tech-heavy Nasdaq is down 20% from its recent peak. European and Asian markets have also slumped.</p> <p>In Australia, the key S&P/ASX 200 slid another 4.2% on Monday to levels last seen in December 2023, taking its three-day losses since the announcement to more than 7%.</p> <hr /> <p><iframe id="AJ2rZ" class="tc-infographic-datawrapper" style="border: 0;" src="https://datawrapper.dwcdn.net/AJ2rZ/" width="100%" height="400px" frameborder="0" scrolling="no"></iframe></p> <hr /> <h2>Why are markets reacting so badly?</h2> <p>Financial markets reacted so negatively because the tariffs were much larger than expected. They represent the <a href="https://www.abc.net.au/news/2025-04-05/trump-tariffs-upend-80-year-old-world-economic-order/105139464">biggest upheaval</a> in global trade in 80 years.</p> <p>Many traders were hoping the tariffs would be used mainly as a bargaining tool. <a href="https://finance.yahoo.com/news/live/trump-tariffs-live-updates-trump-digs-in-says-markets-may-have-to-take-medicine-as-stock-futures-plunge-191201959.html">But comments</a> by US President Donald Trump that markets may need to “take medicine” seem to suggest otherwise.</p> <p>The tariffs are expected to weaken economic growth in the US as consumers pare back spending on more expensive imports, while businesses shelve investment plans. Leading US bank JP Morgan has put the <a href="https://www.reuters.com/markets/jpmorgan-lifts-global-recession-odds-60-us-tariffs-stoke-fears-2025-04-04/">chance of a US recession</a> as high as 60%.</p> <p>This comes at a time when the US economy was already looking fragile. The highly regarded GDPNow model developed by the <a href="https://www.atlantafed.org/cqer/research/gdpnow">Atlanta Federal Reserve Bank</a> indicates US March quarter GDP will fall 2.8%, and that was before the tariff announcement.</p> <h2>Worries about global growth</h2> <p>Fears of a recession in the United States and the potential for a global downturn has led to a broad sell-off in commodity prices, including iron ore, copper and oil. Further, the Australian dollar, which is seen as a barometer for risk, has <a href="https://wise.com/au/currency-converter/currencies/aud-australian-dollar">fallen below 60 US cents</a> in local trading – its lowest level since 2009.</p> <p>While the direct impact of tariffs on Australia is expected to be modest (with around 6% of our exports going to US), the indirect impact could be substantial. China, Japan and South Korea together take more than 50% of Australia’s exports, and all have been hit with significantly higher tariffs.</p> <p>Treasurer Jim Chalmers said on Monday that the direct impact on the Australian economy would be “<a href="https://www.abc.net.au/news/2025-04-07/asx-markets-business-news-live-updates/105144276">manageable</a>”.</p> <p>The full effect on Australia will depend on how other countries respond, and whether we can redirect trade to other markets.</p> <p>The rapid decline in the Australian dollar will help offset some of the negative effects associated with a global downturn and the fall in commodity prices.</p> <p>We can also expect some interest-rate relief. Economists are now predicting <a href="https://www.afr.com/markets/debt-markets/traders-expect-up-to-five-rba-rate-cuts-amid-market-turmoil-this-year-20250407-p5lpo0">three further interest rate cuts</a> by the Reserve Bank, starting in May. This brings economists into line with financial market forecasts.</p> <h2>Hang in there, markets will recover</h2> <p>Watching equity markets tumble so dramatically can be unsettling for any investor. However, it is important to note that equity markets have experienced many downturns over the past 125 years due to wars, pandemics, financial crises and recessions. But these market impacts have generally been temporary.</p> <hr /> <p><iframe id="lsNFF" class="tc-infographic-datawrapper" style="border: 0;" src="https://datawrapper.dwcdn.net/lsNFF/" width="100%" height="400px" frameborder="0" scrolling="no"></iframe></p> <hr /> <p>History suggests that over the long term, equity prices continue to rise, supported by growing economies and rising incomes.</p> <p>The key thing for investors to remember is to not panic. Now is not the time to decide to switch your superannuation or other investments to cash. This risks missing the next upswing while also crystallising any current losses.</p> <p>For example, despite the steep market sell-off in March 2020 as the first COVID lockdowns came into effect, the Australian share market had completely recovered those losses by June 2021.</p> <p>It is good practice for investors to regularly reassess their risk profile to make sure it is right for their current stage of life. This means reducing the allocation to riskier assets as investors get closer to retirement age, while also maintaining a cash buffer to avoid having to sell assets during more turbulent periods such as now.</p> <h2>Super funds are exposed to global risks</h2> <p>The current sell-off has highlighted a potential issue facing the superannuation industry.</p> <p>So much of our superannuation is now invested in global equity markets, mostly in the US, because Australia’s <a href="https://www.abc.net.au/news/2025-04-02/australia-superannuation-retirement-savings/105098840">superannuation savings pool</a> – at more than A$4 trillion – has outgrown the investment opportunities available in Australia.</p> <p>Another issue facing the superannuation industry is the growth of cyber attacks, with several funds <a href="https://theconversation.com/hackers-have-hit-major-super-funds-a-cyber-expert-explains-how-to-stop-it-happening-again-253835">targeted in a recent attack</a>. Given the massive size of the assets held by some funds, it would seem they need to improve their security to be on par with that of the banking system.<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/253929/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em>By <a href="https://theconversation.com/profiles/luke-hartigan-1491669">Luke Hartigan</a>, Lecturer in Economics, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a></em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/financial-markets-are-tanking-heres-why-its-best-not-to-panic-253929">original article</a>.</em></p> <p><em>Image: Shutterstock</em></p> </div>

Money & Banking

A new COVID variant is on the rise: what you need to know

<div class="theconversation-article-body"> <p>More than five years since COVID was <a href="https://www.who.int/europe/emergencies/situations/covid-19">declared a pandemic</a>, we’re still facing the regular emergence of new variants of the virus, SARS-CoV-2.</p> <p>The latest variant on the rise is LP.8.1. It’s <a href="https://www.health.gov.au/resources/collections/australian-respiratory-surveillance-reports-2025">increasing in Australia</a>, making up close to <a href="https://www.health.nsw.gov.au/Infectious/covid-19/Documents/respiratory-surveillance-20250322.pdf">one in five COVID cases</a> in New South Wales.</p> <p>Elsewhere it’s become even more dominant, comprising at least three in five cases <a href="https://inews.co.uk/news/health/lp-covid-variant-cases-future-waves-3598768">in the United Kingdom</a>, for example.</p> <p>So what is LP.8.1? And is it cause for concern? Let’s look at what we know so far.</p> <h2>An offshoot of Omicron</h2> <p>LP.8.1 was first <a href="https://www.who.int/publications/m/item/risk-evaluation-for-sars-cov-2-variant-under-monitoring-lp81">detected in July 2024</a>. It’s a descendant of Omicron, specifically of KP.1.1.3, which is descended from <a href="https://theconversation.com/the-emergence-of-jn-1-is-an-evolutionary-step-change-in-the-covid-pandemic-why-is-this-significant-220285">JN.1</a>, a subvariant that caused large waves of COVID infections around the world in late 2023 and early 2024.</p> <p>The <a href="https://www.who.int/activities/tracking-SARS-CoV-2-variants">World Health Organization</a> (WHO) designated LP.8.1 as a <a href="https://www.who.int/publications/m/item/risk-evaluation-for-sars-cov-2-variant-under-monitoring-lp81">variant under monitoring</a> in January. This was in response to its significant growth globally, and reflects that it has genetic changes which may allow the virus to spread more easily and pose a greater risk to human health.</p> <p>Specifically, LP.8.1 has mutations at six locations in its spike protein, the protein which allows SARS-CoV-2 to attach to our cells. One of these mutations, V445R, is thought to allow this variant to spread more easily relative to other circulating variants. V445R has been shown to increase binding to human lung cells in <a href="https://www.thelancet.com/journals/laninf/article/PIIS1473-3099(25)00015-5/fulltext">laboratory studies</a>.</p> <figure class="align-center "><img src="https://images.theconversation.com/files/658901/original/file-20250401-56-eywcgb.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/658901/original/file-20250401-56-eywcgb.png?ixlib=rb-4.1.0&q=45&auto=format&w=600&h=468&fit=crop&dpr=1 600w, https://images.theconversation.com/files/658901/original/file-20250401-56-eywcgb.png?ixlib=rb-4.1.0&q=30&auto=format&w=600&h=468&fit=crop&dpr=2 1200w, https://images.theconversation.com/files/658901/original/file-20250401-56-eywcgb.png?ixlib=rb-4.1.0&q=15&auto=format&w=600&h=468&fit=crop&dpr=3 1800w, https://images.theconversation.com/files/658901/original/file-20250401-56-eywcgb.png?ixlib=rb-4.1.0&q=45&auto=format&w=754&h=588&fit=crop&dpr=1 754w, https://images.theconversation.com/files/658901/original/file-20250401-56-eywcgb.png?ixlib=rb-4.1.0&q=30&auto=format&w=754&h=588&fit=crop&dpr=2 1508w, https://images.theconversation.com/files/658901/original/file-20250401-56-eywcgb.png?ixlib=rb-4.1.0&q=15&auto=format&w=754&h=588&fit=crop&dpr=3 2262w" alt="A chart showing the distribution of different COVID variants in different colours." /><figcaption><span class="caption">The proportion of COVID cases caused by LP.8.1 has been rising in New South Wales.</span> <span class="attribution"><a class="source" href="https://www.health.nsw.gov.au/Infectious/covid-19/Documents/respiratory-surveillance-20250322.pdf">NSW Health</a></span></figcaption></figure> <p>Notably, the symptoms of LP.8.1 don’t appear <a href="https://www.who.int/publications/m/item/risk-evaluation-for-sars-cov-2-variant-under-monitoring-lp81">to be any more severe</a> than other circulating strains. And the WHO has evaluated the additional public health risk LP.8.1 poses at a global level to be low. What’s more, LP.8.1 remains a variant under monitoring, rather than a variant of interest or a variant of concern.</p> <p>In other words, these changes to the virus with LP.8.1 are small, and not likely to make a big difference to the trajectory of the pandemic.</p> <h2>That doesn’t mean cases won’t rise</h2> <p>COVID as a whole is still a major national and international health concern. So far this year there have been close to <a href="https://www.health.gov.au/resources/collections/australian-respiratory-surveillance-reports-2025">45,000 new cases recorded in Australia</a>, while around <a href="https://covidlive.com.au/report/daily-hospitalised/aus">260 people are currently in hospital</a> with the virus.</p> <p>Because many people are no longer testing or reporting their infections, the real number of cases is probably far higher.</p> <p>In <a href="https://www.health.gov.au/resources/collections/australian-respiratory-surveillance-reports-2025">Australia</a>, LP.8.1 has become the <a href="https://www.health.nsw.gov.au/Infectious/covid-19/Documents/respiratory-surveillance-20250322.pdf">third most dominant strain in NSW</a> (behind <a href="https://theconversation.com/xec-is-now-in-australia-heres-what-we-know-about-this-hybrid-covid-variant-239292">XEC</a> and KP.3).</p> <p>It <a href="https://www.health.nsw.gov.au/Infectious/covid-19/Documents/respiratory-surveillance-20250322.pdf">has been growing</a> over the past couple of months and this trend looks set to continue.</p> <p>This is not to say it’s not growing similarly in other states and territories, however NSW Health publishes <a href="https://www.health.nsw.gov.au/Infectious/covid-19/Pages/reports.aspx">weekly respiratory surveillance</a> with a breakdown of different COVID variants in the state.</p> <p>Sequences of LP.8.1 in the <a href="https://gisaid.org/">GISAID database</a>, used to track the prevalence of variants around the world, increased from <a href="https://www.who.int/publications/m/item/risk-evaluation-for-sars-cov-2-variant-under-monitoring-lp81">around 3%</a> at the end of 2024 to 38% of global sequences as of <a href="https://x.com/Mike_Honey_/status/1905816340331728914">mid March</a>.</p> <p>In some countries it’s climbed particularly high. In the United States LP.8.1 is responsible for <a href="https://covid.cdc.gov/covid-data-tracker/#variant-proportions">55% of cases</a>. In <a href="https://inews.co.uk/news/health/lp-covid-variant-cases-future-waves-3598768">the UK</a>, where LP.8.1 is making up at least 60% of cases, scientists fear <a href="https://inews.co.uk/news/science/new-covid-wave-cases-hospitalisations-3611459?srsltid=AfmBOor_V7pQrPMPhUYQA2KCZgRfsI_CpxTwIRiHDFJHIJhq2kbAmD42">it may be driving a new wave</a>.</p> <h2>Will COVID vaccines work against LP.8.1?</h2> <p>Current COVID vaccines, including the most recently available <a href="https://theconversation.com/new-covid-vaccines-may-be-coming-to-australia-heres-what-to-know-about-the-jn-1-shots-237652">JN.1 shots</a>, are still expected to <a href="https://www.who.int/publications/m/item/risk-evaluation-for-sars-cov-2-variant-under-monitoring-lp81">offer good protection</a> against symptomatic and severe disease with LP.8.1.</p> <p>Nonetheless, due to its designation as a variant under monitoring, WHO member countries will continue to study the behaviour <a href="https://www.who.int/publications/m/item/risk-evaluation-for-sars-cov-2-variant-under-monitoring-lp81">of the LP.8.1 variant</a>, including any potential capacity to evade our immunity.</p> <p>While there’s no cause for panic due to LP.8.1 variant at this stage, COVID can still be a severe disease for some. Continued vigilance and vaccination, particularly <a href="https://www.health.gov.au/our-work/covid-19-vaccines/getting-your-vaccination">for medically vulnerable groups</a>, is essential in minimising the impact of the disease.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/253237/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em>By <a href="https://theconversation.com/profiles/thomas-jeffries-1511629">Thomas Jeffries</a>, Senior Lecturer in Microbiology, <a href="https://theconversation.com/institutions/western-sydney-university-1092">Western Sydney University</a></em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/a-new-covid-variant-is-on-the-rise-heres-what-to-know-about-lp-8-1-253237">original article</a>.</em></p> <p><em>Image: Shutterstock</em></p> </div>

Caring

Schumacher family announces joyous news

<p>The Schumacher family has reason to celebrate, as Gina Schumacher, daughter of Formula One legend Michael Schumacher, has joyfully announced the birth of her first child.</p> <p>Gina shared the heartwarming news over the weekend, revealing that her baby girl, Millie, arrived on March 29. "Welcome to the world, Millie," Gina wrote in a touching Instagram post. "Born on March 29th, our hearts are fuller than ever. We are beyond blessed to have you in our lives. #welcomeMillie."</p> <p>The 28-year-old professional horse rider first revealed she was expecting back in December, with an adorable announcement featuring balloons next to a saddle and cowboy boots — a nod to her equestrian passion.</p> <p>Since the announcement of Millie's arrival, Gina has been showered with love and congratulations from fans and figures across the F1 world. Max Verstappen’s mother, Sophie Kumpen, commented: “Congrats” with a heart emoji, while the official Mercedes F1 team account sent their well wishes in German: “Herzlichen Glückwunsch”.</p> <p>Gina’s brother, Mick Schumacher, also expressed his pride, posting: “Proud of you” alongside a love heart emoji.</p> <p>Gina and her husband, Iain Betkhe, tied the knot in a private ceremony in September last year. The couple, both horse enthusiasts, have been together for nearly seven years before exchanging vows. Their intimate wedding was carefully kept out of the public eye, with strict privacy measures in place to ensure a special day away from media attention.</p> <p>While fans continue to keep Michael Schumacher in their thoughts – the seven-time F1 champion has been out of the public eye since a skiing accident in 2013 – this joyful addition to the family brings a welcome moment of happiness and hope.</p> <p>As the Schumacher family embraces this new chapter, well-wishers from around the globe are sharing in their joy. Welcome to the world, baby Millie!</p> <p><em>Images: Instagram</em></p>

Family & Pets

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

<p>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:</p> <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> <p>Regardless of why you want to refinance, the points below will help you navigate your options.</p> <p><strong>Changing lenders</strong></p> <p>It may have been a while since you last revisited your mortgage, meaning you may not be aware of current lending options and traps.</p> <p>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.</p> <p>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.</p> <p>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.</p> <p><strong>Reverse mortgages</strong></p> <p>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.</p> <p>However, they often have strict conditions including:</p> <ul> <li>minimum borrowing amounts</li> <li>maximum borrowing ratios</li> <li>higher interest rates than standard mortgages</li> </ul> <p>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.</p> <p><strong>Changing homes</strong></p> <p>Rather than selling, downsizing could involve making an investment property your primary residence and then renting out your existing home.</p> <p>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.</p> <p>Then there are the lifestyle factors to weigh up, especially if you are moving to a different area:</p> <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> <p>Remember that if you have a Self Managed Super Fund (SMSF), it CANNOT own any property that you directly use yourself, including your home.</p> <p><strong>Becoming Bank of Mum and Dad</strong></p> <p>Refinancing can unlock equity to support adult children with their first property deposit. However, it isn’t without its risks.</p> <p>Ask yourself honestly:</p> <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> <p>Draw up a written agreement outlining all conditions and scenarios to avoid disagreements in the future.</p> <p><strong>Pension impacts</strong></p> <p>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.</p> <p>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!</p> <p><strong>Getting advice</strong></p> <p>To ensure you get the best bang for your buck when refinancing, be sure to enlist the help of a good:</p> <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> <p>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.</p> <p><em><span style="line-height: 18.4px; font-family: Calibri, sans-serif; color: #242424;">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 </span><a style="color: #467886;" title="http://www.onyourowntwofeet.com.au/" href="http://www.onyourowntwofeet.com.au/"><span style="line-height: 18.4px; font-family: Calibri, sans-serif;">www.onyourowntwofeet.com.au</span></a></em></p> <p><em><span style="line-height: 18.4px; font-family: Calibri, sans-serif; color: #242424;">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.</span></em></p>

Money & Banking

Robert Irwin trades khakis for undies in bold new shoot

<p>Move over, crocodiles – there’s a new reptilian threat to Australian wildlife, and yes . . . you guessed it: it’s Robert Irwin’s python. </p> <p>The 21-year-old wildlife warrior and noted khaki enthusiast has undergone a full-scale metamorphosis, trading in his signature cargo shorts for something a little more… breathable. That’s right, Robert Irwin is now an underwear model</p> <p>The <em>I’m A Celeb</em> co-host has been unveiled as the latest face (and torso) of Bonds Underwear, joining Australian rapper Tkay Maidza in a new campaign aimed at expanding the brand’s reach in the US. And reach it certainly has – thanks to a campaign that features Irwin draped in snakes, a strategically placed spider... and very little else.</p> <p>Since going live at midnight on the Bonds Instagram account, the photos have sent the internet into a tailspin. Some fans were quick to declare the campaign “iconic” and “hot”, while others are grappling with the existential crisis of finding Steve Irwin’s son attractive. “I feel dirty,” one commenter admitted, presumably before closing their laptop in shame.</p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-captioned="" data-instgrm-permalink="https://www.instagram.com/p/DH_D93lsD3j/?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/DH_D93lsD3j/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by BONDS (@bondsaus)</a></p> </div> </blockquote> <p>Morning show hosts, meanwhile, are struggling to keep it together. <em>Today</em> host Sarah Abo, upon seeing the revealing images, was left flustered on-air, musing about Irwin’s “python”. “It is quite long, isn’t it?” she remarked, before realising what she had just said and attempting to backpedal – unsuccessfully.</p> <p>In a strategic move to maximise thirst levels, Bonds has launched the campaign in the US alongside a <em>People</em> magazine interview, in which Irwin confirmed that, yes, he is single. “I’m single. It’s funny, I’m at this point in my life where I’m like, I’m so open to that, but I’m just waiting for the stars to align,” he told the outlet, prompting an immediate rush of applications from hopeful admirers worldwide.</p> <p>And while this is far from Irwin’s first foray into the world of high-fashion photoshoots – he’s previously graced the pages of <em>GQ</em> and <em>Stellar – </em>this marks the first time we’ve seen quite so… much of him.</p> <p>One thing’s for certain: Steve Irwin wrestled crocodiles, but Robert Irwin is wrestling with the internet’s thirst.</p> <p>Crikey, indeed.</p> <p><em>Images: Bonds, Instagram</em></p>

Body

Incredible new pacemaker tinier than a grain of rice

<p>Engineers from Northwestern University in the US have developed a groundbreaking pacemaker so tiny that it can fit inside the tip of a syringe – is smaller than a grain of rice – and be non-invasively injected into the body. This innovation could revolutionise cardiac care by offering a minimally invasive alternative to traditional pacemakers.</p> <p>"We have developed what is, to our knowledge, the world's smallest pacemaker," said bioelectronics pioneer John A Rogers, who led the development. The small, wireless device is biocompatible and designed to be gradually broken down and absorbed by the body, reducing the need for surgical extraction.</p> <p>Rogers and his colleagues tested the effectiveness of their tiny, temporary pacemaker in human heart tissue and animal models. Measuring just 1.8mm by 3.5mm by 1mm, the device is smaller than any previously reported pacemaker. It is paired with a soft, flexible, wireless wearable device mounted on a patient’s chest, which controls the pacing. When an irregular heartbeat is detected, the wearable device emits a light pulse that penetrates through the skin, breastbone and muscles to activate the pacemaker and regulate heart rhythm.</p> <p>While designed to work for hearts of all sizes, the pacemaker is particularly well-suited for newborns with congenital heart defects. Northwestern experimental cardiologist Igor Efimov, who co-led the study, said this device could play a<span style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;"> critical role in the effective treatment</span><span style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;"> of infants.</span></p> <p>"Our major motivation was children," Efimov explained. "About 1 percent of children are born with congenital heart defects, regardless of whether they live in a low-resource or high-resource country. The good news is that these children only need temporary pacing after surgery. In about seven days or so, most patients’ hearts will self-repair. But those seven days are absolutely critical."</p> <p>Researchers believe this pacemaker could provide a safer alternative to traditional pacemakers for temporary pacing in patients with bradycardia, a condition characterised by a resting heart rate below 60 beats per minute. Additionally, they suggest that the technology’s versatility could extend to broader medical applications in bioelectronic medicine, such as aiding nerve and bone healing and blocking pain.</p> <p>This revolutionary development represents a significant step forward in cardiac treatment, potentially improving outcomes for both infants and adults requiring temporary heart pacing.</p> <p><em>Images: Northwestern University</em></p>

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