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Why do I grieve my childhood home so much now we’ve sold it?

<div class="theconversation-article-body"> Grief can hit us in powerful and unanticipated ways. You might expect to grieve a person, a pet or even a former version of yourself – but many people are surprised by the depth of sad yearning they can feel after selling the childhood home. In fact, it is <a href="https://link.springer.com/article/10.1007/s10615-018-0682-5">normal to grieve a place</a>. And this grief can be especially profound if it coincides with a parent dying or moving into residential aged care, leading to the sale of their house. Grief is the response to the loss of anything to which we have an emotional connection. A <a href="https://link.springer.com/article/10.1007/s10615-018-0682-5">growing body</a> of <a href="https://www.taylorfrancis.com/books/mono/10.4324/9780203860731/counting-losses-darcy-harris">research</a> is looking at how grief can extend to “non-person” losses such as infertility, loss of religion and, yes, the loss of a former home. <h2>Why would someone grieve a house?</h2> The childhood home can be an important place for many of us. It literally housed our formative development, family bonds, and core memories. Hopefully, the childhood home is where we learned about safety, security and love. It was likely surrounded by our neighbourhood, and close to important places such as school, playgrounds and friends’ houses. It is no wonder we grieve it when it’s gone. It’s normal to <a href="https://www.taylorfrancis.com/chapters/edit/10.4324/9781315126197-20/grieving-lost-home-marc-fried">grieve things we can’t see and touch</a> but are real and valued. Just as a <a href="https://doi.org/10.1002/pon.70031">serious diagnosis might trigger</a> grief for an imagined future for yourself, or an <a href="https://doi.org/10.1177/1049732314538550">identity</a> you once cherished, loss of a childhood home can hit us harder than we think. When you sell a once-beloved home, you don’t just lose the physical space. You also lose all of what that space might represent, such as birthday celebrations, Christmas lunches, sleepovers with friends or many happy hours playing in the garden. The childhood home often is a symbol of family connection and an anchor in the storm of life. Thinking of the home and all it represents can elicit nostalgia. In fact, the word “nostalgia” <a href="https://www.bps.org.uk/psychologist/nostalgia-cowbells-meaning-life">derives from the Greek</a> words nostos (return) and algos (pain). The word is rooted in the pain we often feel being away from home. And just as siblings are unique – each with different memories of and connections to their childhood home – their responses to its sale can differ markedly. It is normal if your sister or brother grieves the home in a different way to you – or maybe doesn’t even seem to grieve its loss at all. <h2>A complicated grief</h2> When a childhood home is sold because of the death of parents, the feelings of loss about the home are closely linked. The home being sold can be a type of secondary loss that sits in the periphery to the primary loss of parents. Grieving the deaths might, at first, take precedence over the loss of the home. It might only be later that the loss of the home and all it represents becomes apparent. Because the home provides a connection to the deceased person, the loss of the home might add another layer of grief about your parents. Perhaps you find that whenever you recall memories of mum or dad, they seem always to be at the house. It’s also normal if you feel immense <a href="https://link.springer.com/article/10.1007/s10615-018-0682-5">guilt</a> about grieving the home. People might chastise themselves for worrying about “silly things” and not grieving “enough” about the person who died. <a href="https://www.agingcare.com/questions/how-do-i-deal-with-the-guilt-of-selling-moms-house-481550.htm">Guilt about selling the home</a> can also be common. Not everyone has positive memories of their childhood home. Difficult family dynamics, maltreatment and abuse can complicate the emotional connection to childhood spaces and the grief response to their loss. In such cases, the loss of the childhood home can elicit grief about the loss of the childhood that could have – and should have – been. The loss of a home that was the site of discord can be even more challenging than for people with more idyllic childhood experiences. <h2>How can I cope with this loss?</h2> Grief from the loss of a childhood home is <a href="https://link.springer.com/article/10.1007/s10615-018-0682-5">real and valid</a>. We should recognise this and be kind to ourselves and others experiencing it. We shouldn’t minimise the loss or make fun of it. Usually, the loss is anticipated, and this allows you to take photos, furniture or mementos from the home or garden before you leave or sell. Grief researchers call these “<a href="https://www.sciencedirect.com/science/article/pii/S0010440X20300031">transitional</a> <a href="https://www.tandfonline.com/doi/abs/10.1080/13576270412331329812">objects</a>”. They may help you maintain a connection to what is lost, while still grieving the place. <a href="https://link.springer.com/article/10.1007/s10615-018-0682-5">Social support</a> while grieving is important. Some people share memories and photos of the home with their siblings, or derive comfort from driving by the home. Just be prepared for the possibility it will likely change as the new owners adapt it to their needs. You might feel affronted, but hopefully can eventually accept the property now belongs to someone else. Chat to your doctor if the loss is particularly difficult, and your grief doesn’t change and subside over time. They might be able to recommend a psychologist who specialises in grief. If this article has raised issues for you, or if you’re concerned about someone you know, call Lifeline on 13 11 14.<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/251058/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> By <a href="https://theconversation.com/profiles/lauren-breen-1142446">Lauren Breen</a>, Professor of Psychology, <a href="https://theconversation.com/institutions/curtin-university-873">Curtin University</a> This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/why-do-i-grieve-my-childhood-home-so-much-now-weve-sold-it-and-what-can-i-do-about-it-251058">original article</a>. Image: RDNE Stock project/Pexels </div>

Home & Garden

Man whose partner lost $1.6 BILLION at a rubbish tip now wants to buy the entire dump

In what can only be described as the most expensive game of "Where’s Wally?" ever attempted, James Howells, 39, is continuing his decade-long battle to recover a hard drive that contains 8,000 bitcoins – now worth a staggering $1.6 billion AUD – from a landfill site in Newport on the southwest coast of Wales. The saga began in 2013 when Howells’ partner, in a move that will forever be known as the most expensive spring cleaning mishap of all time, accidentally tossed out the hard drive. Since then, Howells has been on a mission to reclaim his digital treasure from what is now essentially a very smelly version of Fort Knox. However, Newport City Council has repeatedly refused his requests to excavate the site, citing environmental concerns and, possibly, an extreme reluctance to deal with a man on a personal mission to unearth a high-tech pirate's chest. A recent legal bid to force the council’s hand was swiftly dismissed by the UK High Court, with the judge describing Howells’ plight as "akin to looking for a needle in a haystack" – though in this case, the haystack is 1.4 million tonnes of garbage, and the needle is worth more than most small countries’ GDP. But Howells refuses to be deterred. His latest plan? If he can’t dig through the dump, he’ll just buy it. Yes, the father-of-three is now looking to purchase the landfill site outright, a bold strategy that has left both financial analysts and waste management professionals scratching their heads. “I have discussed this option recently with investment partners, and it is very much on the table,” he told the BBC. This development adds a fascinating twist to the drama, as parts of the landfill are slated to be turned into a solar farm in the coming years. In what might be the most ironic plot twist in financial history, the very place where Howells’ fortune lies buried could soon be used to power the homes of Newport – while he continues to live in metaphorical darkness. “If they had just worked with me, Newport could have looked like Las Vegas or Dubai,” Howells lamented, apparently envisioning a city built on the back of Bitcoin-funded extravagance rather than well-placed street lamps and reliable waste collection. Despite his enthusiasm, Newport City Council remains unswayed. “Excavation is not possible under our environmental permit,” a council spokesman reiterated, likely while rolling his eyes for the hundredth time. “Mr Howells’s claim has no merit, and the council is vigorously resisting it.” Undeterred, Howells insists he has a team of AI experts ready to streamline the search, making the job “as easy as possible”. As things stand, it appears that for now, Newport’s garbage will remain just that – garbage. But if one thing is certain, it’s that Howells is not giving up anytime soon. Whether his future includes billions in Bitcoin riches or simply a very expensive pile of rubbish remains to be seen. Image: Supplied

Money & Banking

Readers response: What does ‘self-care’ look like for you now compared to earlier years?

We asked our readers what self-care looks like for them during their retirement years. Here's what you said. Anne Henderson - More time and focus on my strength and fitness, and all of those things that will help with independence in old age. More saying no to society’s expectations … (including whether my 70 year old face and my clothing are acceptable to others)…. my routine has become simpler for this reason, not more complicated. Self care in older age to me is liberation from the shackles of all of the above. Marie Jones - Definitely focusing on strength and balance hence exercise class and walking. Happy with my grey hair but always moisturising and have toned down make-up. I wear what's comfortable for me. Dawn Dominick - Endless moisturising of my entire body not just my face any more. Margie Buckingham - Love having long baths to relax in. Going to the podiatrist every month. Moisturising twice daily. Not wearing makeup unless it’s a special occasion. Wearing comfortable clothes. Considering stopping the every 5 week hair colouring. <div dir="auto" style="font-family: system-ui, -apple-system, BlinkMacSystemFont, '.SFNSText-Regular', sans-serif; caret-color: #080809; color: #080809; font-size: 15px;">Image credits: Shutterstock </div>

Beauty & Style

Research suggests those who use buy-now-pay-later services end up spending more

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/ashish-kumar-1056067">Ashish Kumar</a>, <a href="https://theconversation.com/institutions/rmit-university-1063">RMIT University</a> Once, borrowing money to make a purchase was a relatively tedious process, not a spur-of-the-moment thing. True, some stores offered lay-by plans that would let you pay for goods in instalments. But if they didn’t, and you didn’t already have a credit card, you’d have to go to a bank and apply for one. That would mean providing a range of supporting documents, negotiating an appropriate credit limit, and waiting for approval. It’s unlikely you’d apply for credit just for a single, small purchase. In recent years, though, the financial technology or “fintech” revolution in the customer credit market has changed all that, with the meteoric rise of buy-now-pay-later (BNPL) services. BNPL credit allows consumers to split their purchases into smaller, interest-free instalments. It is often directly integrated into online checkouts with fast approval, making it easy to purchase something instantly and spread the cost over coming months. There are some obvious risks. Many BNPL providers charge less visible fees, such as late payment fees and account maintenance fees. In many countries, the BNPL sector is also less regulated than traditional credit. But does it also change our spending habits? Our recent <a href="https://doi.org/10.1016/j.jretai.2024.09.004">research</a> uncovered a concerning insight: consumers who use BNPL services end up spending more money online than those who don’t. This effect is particularly strong among younger shoppers and those with lower incomes. <h2>Our research</h2> We <a href="https://doi.org/10.1016/j.jretai.2024.09.004">analysed</a> data from an online retailer in the Nordic region that offered customers three payment options for online purchases: card, pay on delivery and BNPL. We found that consumers who used BNPL spent an average of 6.42% more than those who didn’t. This increase was particularly noticeable for low-ticket items, suggesting that BNPL may encourage customers to buy more when shopping for smaller, everyday things. Why might this be the case? For one, BPNL spending is constrained by the size of the loans on offer. In the US, the average BNPL loan amount is <a href="https://files.consumerfinance.gov/f/documents/cfpb_consumer-use-of-buy-now-pay-later_2023-03.pdf">US$135</a> (A$217). It may also be related to what’s known in economics as the “<a href="https://www.theguardian.com/business/2008/dec/22/recession-cosmetics-lipstick">lipstick effect</a>”, where customers under financial strain tend to reduce spending on big-ticket items in favour of lower-priced luxuries. Selling such low-ticket items doesn’t always give online retailers the biggest profit margins. But it can play a crucial role in acquiring and retaining customers, and creating opportunities to upsell. Our research also showed that younger, lower-income customers were more likely to spend more when using BNPL services, likely because it provides them with additional “liquidity” – access to cash. <h2>Why might they be spending more?</h2> It’s easy to see why so many consumers like BNPL. Some even think of it as more of a way of payment than a form of credit. The core feature of such services - offering interest-free instalment payments for online purchases - has a significant psychological impact on customers. It leverages the principle that the perceived benefit of spending in the present outweighs the displeasure associated with future payments. This behaviour aligns with theories of “hyperbolic discounting” – our preference for smaller immediate rewards over larger later ones – and the related “<a href="https://www.behavioraleconomics.com/resources/mini-encyclopedia-of-be/present-bias/">present bias</a>” phenomenon. Our results also suggest customers with high category experience – that is, more familiar with the larger product categories carried by a retailer – and those more sensitive to deals and promotions are likely to spend more when online retailers provide BNPL as a payment option. <h2>A growing influence on spending</h2> The economic impact of BNPL is substantial in the countries that have pioneered its adoption. In Australia, birthplace of Afterpay, Zip, Openpay, and Latitude, it’s <a href="https://www.oxfordeconomics.com/wp-content/uploads/2022/10/AFIA_BNPL_Research_Report-1.pdf">estimated</a> that (allowing for flow-on effects) BNPL services contributed A$14.3 billion to gross domestic product (GDP) in the 2021 financial year. Industry research firm Juniper Research <a href="https://www.juniperresearch.com/press/pressreleasesbuy-now-pay-later-users-to-exceed-670-million-globally/">projects</a> the number of BNPL users will exceed 670 million globally by 2028, an increase of more than 100% on current levels. Substantial projected growth in the sector is attributed to multiple factors. These include increasing e-commerce usage, economic pressures, the flexibility of payment options and widespread adoption by merchants. <h2>Buyer, beware</h2> BNPL services can be a convenient way to pay for online purchases. But it’s important to use them responsibly. That means understanding the potential risks and benefits to make your own informed decisions. Be mindful of your spending. Don’t let the allure of easy payments let you get carried away. Customers should explore beyond the marketing tactics of interest-free split payments and pay close attention to terms and conditions, including any fees and penalties. They should treat BNPL like any other form of credit. Whether you’re a shopper considering using BNPL or a business thinking about offering it, our research highlights that it may have the power to significantly influence spending patterns – for better or worse.<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/246686/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/ashish-kumar-1056067">Ashish Kumar</a>, Senior Lecturer, <a href="https://theconversation.com/institutions/rmit-university-1063">RMIT University</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/research-suggests-those-who-use-buy-now-pay-later-services-end-up-spending-more-246686">original article</a>. </div>

Money & Banking

A man scouring Google Earth found a mysterious scar in the Australian outback – and now scientists know what caused it

<div class="theconversation-article-body"> By <a href="https://theconversation.com/profiles/matej-lipar-1372667">Matej Lipar</a>, <a href="https://theconversation.com/institutions/curtin-university-873">Curtin University</a> Earlier this year, a caver was poring over satellite images of the Nullarbor Plain when he came across something unexpected: an enormous, mysterious scar etched into the barren landscape. The find intrigued scientists, including my colleagues and I. Upon closer investigation, we realised the scar was created by a ferocious tornado that no-one knew had occurred. We outline the findings in <a href="https://doi.org/10.1071/ES24023">new research</a> published today. Tornadoes are a known threat in the United States and elsewhere. But they also <a href="https://doi.org/10.1016/j.atmosres.2016.03.011">happen in Australia</a>. Without the power of technology, this remarkable example of nature’s ferocity would have gone unnoticed. It’s important to study the tornado’s aftermath to help us predict and prepare for the next big twister. <h2>Australia’s tornado history</h2> <a href="https://doi.org/10.1007/978-3-642-05381-8">Tornadoes</a> are violent, spinning columns of air that drop from thunderstorms to the ground, bringing wind speeds often exceeding 200 kilometres an hour. They can cause massive destruction – uprooting trees, tearing apart buildings and throwing debris over large distances. Tornadoes have been reported on every continent except Antarctica. They most commonly occur in the Great Plains region of the United States, and in the north-east region of India–Bangladesh. The earliest tornado observed by settlers in Australia occurred in 1795 in the suburbs of Sydney. But a tornado was not confirmed here by Western scientists until the late 1800s. In recent decades, documented instances in Australia include a <a href="https://knowledge.aidr.org.au/resources/tornado-murray-river-townships-victoria-2013/#:%7E:text=Tornado%20%2D%20Murray%20River%20townships%2C%202013&text=At%20approximately%208.00pm%20on,border%20of%20New%20South%20Wales.">2013 tornado</a> that crossed north-east Victoria and travelled up to the New South Wales border. It brought winds between 250–300 kilometres an hour and damaged Murray River townships. And in 2016, a severe storm produced <a href="https://theconversation.com/severe-thunderstorms-are-sweeping-through-southern-australia-but-what-makes-a-thunderstorm-severe-241555#:%7E:text=In%202016%2C%20huge%20rotating%20supercell,after%20taking%20down%20six%20towers.">at least seven tornadoes</a> in central and eastern parts of South Australia. It’s important for scientists to accurately predict tornadoes, so we can issue warnings to communities. That’s why the Nullarbor tornado scar was useful to study. <h2>A whirlwind mystery</h2> The Nullarbor Plain is a remote, dry, treeless stretch of land in southern Australia. The man who discovered the scar had been using Google Earth satellite imagery to search the Nullabor for <a href="https://doi.org/10.1007/978-3-031-24267-0_11">caves</a> or other karst features. Karst is a landscape underlain by limestone featuring distinctive landforms. The discovery of the scar came to the attention of my colleagues and I through the collaborative network of researchers and explorers who study the Nullarbor karst. The scar stretches from Western Australia over the border to South Australia. It lies 20 kilometres north of the <a href="https://www.nma.gov.au/defining-moments/resources/trans-australian-railway">Trans-Australian Railway</a> and 90 kilometres east-north-east of Forrest, a former railway settlement. We compared satellite imagery of the site over several years to determine that the tornado occurred between November 16 and 18, 2022. Blue circular patterns appeared alongside the scar, indicating pools of water associated with heavy rain. My colleagues and I then travelled to the site in May this year to examine and photograph the scar and the neighbouring landscape. Our results have been <a href="https://doi.org/10.1071/ES24023">published today</a> in the Journal of Southern Hemisphere Earth Systems Science. <figure class="align-center "><img src="https://images.theconversation.com/files/633465/original/file-20241121-17-bx4uhg.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/633465/original/file-20241121-17-bx4uhg.png?ixlib=rb-4.1.0&q=45&auto=format&w=600&h=315&fit=crop&dpr=1 600w, https://images.theconversation.com/files/633465/original/file-20241121-17-bx4uhg.png?ixlib=rb-4.1.0&q=30&auto=format&w=600&h=315&fit=crop&dpr=2 1200w, https://images.theconversation.com/files/633465/original/file-20241121-17-bx4uhg.png?ixlib=rb-4.1.0&q=15&auto=format&w=600&h=315&fit=crop&dpr=3 1800w, https://images.theconversation.com/files/633465/original/file-20241121-17-bx4uhg.png?ixlib=rb-4.1.0&q=45&auto=format&w=754&h=395&fit=crop&dpr=1 754w, https://images.theconversation.com/files/633465/original/file-20241121-17-bx4uhg.png?ixlib=rb-4.1.0&q=30&auto=format&w=754&h=395&fit=crop&dpr=2 1508w, https://images.theconversation.com/files/633465/original/file-20241121-17-bx4uhg.png?ixlib=rb-4.1.0&q=15&auto=format&w=754&h=395&fit=crop&dpr=3 2262w" alt="map of Australia's southwest coast with dots showing recorded tornadoes" /><figcaption>Map showing tornado events in Western Australia and South Australia between 1795 and 2014. The location of the tornado scar in the study is shown with a red dot. Source: Severe Thunderstorm Archive/Australian Bureau of Meteorology</figcaption></figure> <h2>What we found</h2> The scar is 11 kilometres long and between 160 and 250 metres wide. It bears striking patterns called “cycloidal marks”, formed by tornado suction vortexes. This suggests the tornado was no ordinary storm but in the strong <a href="https://ntrs.nasa.gov/citations/19720008829">F2 or F3</a> category, spinning with destructive winds of more than 200 kilometres an hour. The tornado probably lasted between seven and 13 minutes. Features of the scar suggest the whirling wind within the tornado was moving in a clockwise direction. We also think the tornado moved from west to east – which is consistent with the direction of a strong cold front in the region at the time. <figure class="align-center "><img src="https://images.theconversation.com/files/622894/original/file-20241002-20-xzi4qn.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/622894/original/file-20241002-20-xzi4qn.jpg?ixlib=rb-4.1.0&q=45&auto=format&w=600&h=340&fit=crop&dpr=1 600w, https://images.theconversation.com/files/622894/original/file-20241002-20-xzi4qn.jpg?ixlib=rb-4.1.0&q=30&auto=format&w=600&h=340&fit=crop&dpr=2 1200w, https://images.theconversation.com/files/622894/original/file-20241002-20-xzi4qn.jpg?ixlib=rb-4.1.0&q=15&auto=format&w=600&h=340&fit=crop&dpr=3 1800w, https://images.theconversation.com/files/622894/original/file-20241002-20-xzi4qn.jpg?ixlib=rb-4.1.0&q=45&auto=format&w=754&h=428&fit=crop&dpr=1 754w, https://images.theconversation.com/files/622894/original/file-20241002-20-xzi4qn.jpg?ixlib=rb-4.1.0&q=30&auto=format&w=754&h=428&fit=crop&dpr=2 1508w, https://images.theconversation.com/files/622894/original/file-20241002-20-xzi4qn.jpg?ixlib=rb-4.1.0&q=15&auto=format&w=754&h=428&fit=crop&dpr=3 2262w" alt="spiralling masks in dry earth" /><figcaption>‘Cycloidal marks’ in the tornado scar, caused by multiple vortexes. Google Earth satellite imagery</figcaption></figure> Local weather observations also recorded intensive cloud cover and rainfall during that period in November 2022. Unlike tornadoes that hit populated areas, this one did not damage homes or towns. But it left its mark nonetheless, eroding soil and vegetation and reshaping the Earth’s surface. Remarkably, the scar was still clearly visible 18 months after the event, both in satellite images and on the ground. This is probably because vegetation grows slowly in this dry landscape, so hadn’t yet covered the erosion. <h2>Predict and prepare</h2> This fascinating discovery on the Nullarbor Plain shows how powerful and unpredictable nature can be – sometimes without us knowing. Only three tornadoes have previously been documented on the Nullarbor Plain. This is likely because the area is remote with few eye-witnesses, and because the events do not damage properties and infrastructure. Interestingly, those three tornadoes occurred in November, just like this one. Our research provides valuable insights into the tornadoes in this remote and little-studied region. It helps us understand when, and in what conditions, these types of tornadoes occur. It also emphasises the importance of satellite imagery in identifying and analysing weather phenomena in remote locations, and in helping us predict and prepare for the next big event. And finally, the results are a stark reminder that extreme weather can strike anywhere, anytime. <hr /> Hero Image: Author supplied/Google Earth This article has been amended to clarify that a reference to early tornado observations relates only to the period after British colonisation.<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/239867/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/matej-lipar-1372667">Matej Lipar</a>, Adjunct Research Fellow, School of Earth and Planetary Sciences, <a href="https://theconversation.com/institutions/curtin-university-873">Curtin University</a> This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/a-man-scouring-google-earth-found-a-mysterious-scar-in-the-australian-outback-and-now-scientists-know-what-caused-it-239867">original article</a>. </div>

Domestic Travel

Humans evolved to share beds – how your sleeping companions may affect you now

<div class="theconversation-article-body"> <a href="https://theconversation.com/profiles/goffredina-spano-2240566">Goffredina Spanò</a>, <a href="https://theconversation.com/institutions/kingston-university-949">Kingston University</a> and <a href="https://theconversation.com/profiles/gina-mason-2240569">Gina Mason</a>, <a href="https://theconversation.com/institutions/brown-university-1276">Brown University</a> <a href="https://www.cell.com/trends/ecology-evolution/fulltext/S0169-5347(24)00176-9">Recent research</a> on animal sleep behaviour has revealed that sleep is influenced by the animals around them. Olive baboons, for instance, sleep less as group sizes increase, while mice can synchronise their rapid eye movement (REM) cycles. In western society, many people expect to sleep alone, if not with a romantic partner. But as with other group-living animals, human co-sleeping is common, despite some <a href="https://www.sciencedirect.com/science/article/abs/pii/S1389945710000377">cultural</a> and <a href="https://www.sciencedirect.com/science/article/abs/pii/S2352721820303053?via%3Dihub">age-related variation</a>. And in many cultures, bedsharing with a relative is considered typical. Apart from <a href="https://www.sciencedirect.com/science/article/abs/pii/S1389945710000377">western countries</a>, caregiver-infant co-sleeping is common, with rates as high as <a href="https://www.sciencedirect.com/science/article/abs/pii/S1087079216000265">60-100%</a> in parts of South America, Asia and Africa. Despite its prevalence, infant co-sleeping is controversial. Some western perspectives, that value self-reliance, argue that sleeping alone promotes self-soothing when the baby wakes in the night. But <a href="https://www.tandfonline.com/doi/abs/10.1080/00221325.2021.1905599">evolutionary scientists argue</a> that co-sleeping has been important to help keep infants warm and safe throughout human existence. <a href="https://www.sleephealthjournal.org/article/S2352-7218(22)00077-8/abstract">Many cultures</a> do not expect babies to self-soothe when they wake in the night and see night wakings as a normal part of breastfeeding <a href="https://www.sciencedirect.com/science/article/pii/S1389945713002220?via%3Dihub">and development</a>. Concerns about Sudden Infant Death Syndrome (Sids) have often led paediatricians to discourage bed-sharing. However, when studies control for <a href="https://journals.plos.org/plosone/article?id=10.1371/journal.pone.0107799">other Sids risk factors</a> including unsafe sleeping surfaces, Sids risk does not seem to differ statistically between co-sleeping and solitary sleeping infants. This may be one reason why agencies such as the <a href="https://publications.aap.org/pediatrics/article/150/1/e2022057990/188304/Sleep-Related-Infant-Deaths-Updated-2022?autologincheck=redirected">American Academy of Pediatrics</a>, the <a href="https://www.nice.org.uk/guidance/qs37/chapter/Quality-statement-5-Safer-practices-for-bed-sharing">National Institute for Health and Care Excellence</a> and the <a href="https://www.nhs.uk/conditions/baby/caring-for-a-newborn/reduce-the-risk-of-sudden-infant-death-syndrome/">NHS</a> either <a href="https://publications.aap.org/pediatrics/article/150/1/e2022057990/188304/Sleep-Related-Infant-Deaths-Updated-2022">recommend that</a> infants “sleep in the parents’ room, close to the parents’ bed, but on a separate surface,” or, if bedsharing, to make sure that the infant <a href="https://www.nice.org.uk/guidance/qs37/chapter/Quality-statement-5-Safer-practices-for-bed-sharing">“sleeps on a firm, flat mattress”</a> without pillows and duvets, rather than discouraging co-sleeping altogether. Researchers don’t yet know whether co-sleeping causes differences in sleep or, whether co-sleeping happens because of these differences. However, experiments in the 1990s suggested that co-sleeping can <a href="https://onlinelibrary.wiley.com/doi/10.1002/ajpa.20736">encourage more sustained and frequent bouts of breastfeeding</a>. Using sensors to measure brain activity, this research also suggested that infants’ and caregivers’ sleep may be lighter during co-sleeping. But researchers speculated that this lighter sleep may actually <a href="https://www.tandfonline.com/doi/full/10.1080/00221325.2021.1905599">help protect against Sids</a> by providing infants more opportunities to rouse from sleep and develop better control over their respiratory system. Other advocates believe that co-sleeping <a href="https://www.sciencedirect.com/science/article/abs/pii/S0163638319301237">benefits infants’ emotional and mental health</a> by promoting parent-child bonding and aiding infants’ <a href="https://www.tandfonline.com/doi/full/10.3109/10253890.2012.742057">stress hormone regulation</a>. However, current data is inconclusive, with most studies showing <a href="https://www.sciencedirect.com/science/article/abs/pii/S0163638319301249?via%3Dihub">mixed findings</a> or <a href="https://www.tandfonline.com/doi/full/10.1080/14616734.2024.2380427">no differences</a> between co-sleepers and solitary sleepers with respect to short and long-term mental health. <h2>Co-sleeping in childhood</h2> Childhood co-sleeping past infancy is also fairly common according to <a href="https://www.sciencedirect.com/science/article/abs/pii/S1389945713011076?via%3Dihub">worldwide surveys</a>. A <a href="https://publications.aap.org/pediatrics/article-abstract/126/5/e1119/65347/Relationship-Between-Bed-Sharing-and-Breastfeeding">2010 survey</a> of over 7,000 UK families found 6% of children were constant bedsharers up to at least four years old. Some families adopt co-sleeping <a href="https://capmh.biomedcentral.com/articles/10.1186/s13034-023-00607-w">in response to</a> their child having trouble sleeping. But child-parent bedsharing in many countries, including some western countries <a href="https://onlinelibrary.wiley.com/doi/10.1111/j.1471-6712.2005.00358.x">like Sweden</a> where children often co-sleep with parents until school age, is viewed culturally as part of a nurturing environment. It is also common for siblings to share a room or even a bed. A <a href="https://www.tandfonline.com/doi/full/10.1080/00221325.2021.1916732">2021 US study</a> found that over 36% of young children aged three to five years bedshared in some form overnight, whether with caregivers, siblings, pets or some combination. Co-sleeping decreases but is still present among older children, with up to <a href="https://onlinelibrary.wiley.com/doi/10.1111/fare.12955">13.8% of co-sleeping parents</a> in Australia, the UK and other countries reporting that their child was between five and 12 years old when they engaged in co-sleeping. Two recent US studies using wrist-worn actigraphs (motion sensors) to track sleep indicated that kids who bedshare may have <a href="https://jcsm.aasm.org/doi/10.5664/jcsm.11352">shorter sleep durations</a> than children who sleep alone. But this shorter sleep duration <a href="https://www.tandfonline.com/doi/full/10.1080/00221325.2021.1916732">is not explained by</a> greater disruption during sleep. Instead, bedsharing children may lose sleep by <a href="https://www.tandfonline.com/doi/full/10.1080/00221325.2021.1916732">going to bed later than</a> solitary sleepers. The benefits and downsides of co-sleeping may also differ in children with conditions such as <a href="https://www.sciencedirect.com/science/article/abs/pii/S1389945717303842">autism spectrum disorder</a>, <a href="https://link.springer.com/article/10.1007/s10802-017-0387-1">mental health disorders</a> and <a href="https://onlinelibrary.wiley.com/doi/10.1111/dmcn.13300">chronic illnesses</a>. These children may experience heightened anxiety, sensory sensitivities and physical discomfort that make falling and staying asleep difficult. For them, co-sleeping can provide <a href="https://link.springer.com/article/10.1007/s11325-018-1710-y">reassurance</a>. <h2>Adults sharing beds</h2> According to <a href="https://www.sleepfoundation.org/wp-content/uploads/2018/10/NSF_Bedroom_Poll_Report_1.pdf">a 2018 survey</a> from the US National Sleep Foundation, 80-89% of adults who live with their significant other share a bed with them. Adult bedsharing has shifted over time from pre-industrial <a href="https://academic.oup.com/ahr/article-abstract/106/2/343/64370?redirectedFrom=fulltext">communal arrangements</a>, including whole families and other household guests, to <a href="https://academic.oup.com/jdh/article-abstract/23/3/275/359439?redirectedFrom=fulltext">solo sleeping</a> in response to hygiene concerns as germ theory became accepted. Many couples find that bedsharing boosts their <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC1978364/">sense of closeness</a>. Research shows that bedsharing with your partner can lead to <a href="https://onlinelibrary.wiley.com/doi/10.1155/2017/8140672">longer sleep times</a> and a <a href="https://academic.oup.com/sleep/article-abstract/17/4/308/2753131">feeling of better sleep</a> overall. Bedsharing couples also often <a href="https://www.frontiersin.org/journals/psychiatry/articles/10.3389/fpsyt.2020.00583/full">get into sync</a> with each other’s sleep stages, which can enhance that feeling of intimacy. However, it’s not all rosy. Some studies indicate that females in heterosexual relationships may struggle more with sleep quality when bedsharing, as they can be <a href="https://link.springer.com/article/10.1111/j.1479-8425.2007.00320.x">more easily disturbed</a> by their male partner’s movements. Also, bedsharers can have less <a href="https://pubmed.ncbi.nlm.nih.gov/27624285/">deep sleep</a> than when sleeping alone, even though they feel like their sleep is better together. Many questions about co-sleeping remain unanswered. For instance, we don’t fully understand the developmental effects of co-sleeping on children, or the benefits of co-sleeping for adults beyond female-male romantic partners. But, some work suggests that co-sleeping can <a href="https://link.springer.com/article/10.1007/s11325-018-1710-y">comfort us</a>, similar to other <a href="https://onlinelibrary.wiley.com/doi/full/10.1111/jsr.14174">forms of social contact</a>, and help to enhance <a href="https://onlinelibrary.wiley.com/doi/10.1002/ajpa.20736">physical synchrony</a> between parents and children. Co-sleeping doesn’t have a one-size-fits-all answer. But remember that western norms aren’t necessarily the ones we have evolved with. So consider factors such as <a href="https://www.sciencedirect.com/science/article/abs/pii/S1389945716301265">sleep disorders</a>, health and age in your decision to co-sleep, rather than what everyone else is doing.<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/241803/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/goffredina-spano-2240566">Goffredina Spanò</a>, Lecturer in Developmental Cognitive Neuroscience, <a href="https://theconversation.com/institutions/kingston-university-949">Kingston University</a> and <a href="https://theconversation.com/profiles/gina-mason-2240569">Gina Mason</a>, Postdoctoral Research Fellow in Psychiatry and Human Behaviour, <a href="https://theconversation.com/institutions/brown-university-1276">Brown 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/humans-evolved-to-share-beds-how-your-sleeping-companions-may-affect-you-now-241803">original article</a>. </div>

Body

"God's problem now": Man's hilarious obituary for his father goes viral

A man's hilarious obituary for his father has gone viral, after he claimed his late dad's antics were "God's problem now." Texas man Charles Boehm wrote the obituary for his father Robert, who died at the age of 74 on October 6th after he fell and hit his head. When Charles was given the task of writing the notice for his father, he wanted to make it funny in a way that would reflect his dad's character, rather than making it a sombre and serious obit. “Robert Adolph Boehm, in accordance with his lifelong dedication to his own personal brand of decorum, muttered his last unintelligible and likely unnecessary curse on October 6, 2024, shortly before tripping backward over ‘some stupid bleeping thing’ and hitting his head on the floor,” the obituary read. He joked that his Catholic father managed to get his mother pregnant three times in five years, allowing him to avoid getting drafted to fight in the Vietnam War. “Much later, with Robert possibly concerned about the brewing conflict in Grenada, Charles was born in 1983,” Charles wrote. “This lack of military service was probably for the best, as when taking up shooting as a hobby in his later years, he managed to blow not one, but two holes in the dash of his own car on two separate occasions, which unfortunately did not even startle, let alone surprise, his dear wife Dianne, who was much accustomed to such happenings in his presence and may have actually been safer in the jungles of Vietnam the entire time.” Charles wrote of his father's hilarious hobby, saying, “Robert also kept a wide selection of harmonicas on hand — not to play personally, but to prompt his beloved dogs to howl continuously at odd hours of the night to entertain his many neighbours, and occasionally to give to his many, many, many grandchildren and great-grandchildren to play loudly during long road trips with their parents.” Earlier this year, Robert’s wife and Charles’ mother, Dianne, passed away, with Charles writing that God had “finally” shown her mercy and given her some peace and quiet. “Without Dianne to gleefully entertain, Robert shifted his creative focus to the entertainment of you, the fine townspeople of Clarendon, Texas. Over the last eight months, if you have not met Robert or seen his road show yet, you probably would have soon,” the obituary read. “We have all done our best to enjoy/weather Robert’s antics up to this point, but he is God’s problem now.” The obit was shared to social media and quickly went viral, with many praising Charles for his unique and heartfelt writing. “You ever read an obituary and think, ‘Dang, I’m sorry I never had the chance to meet them. They seemed pretty cool’. That’s me with this guy,” one person wrote. Image credits: dignitymemorial.com

Family & Pets

40°C in August? A climate expert explains why Australia is ridiculously hot right now

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/andrew-king-103126">Andrew King</a>, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a> It’s winter in Australia, but as you’ve probably noticed, the weather is unusually warm. The top temperatures over large parts of the country this weekend were well above average for this time of year. The outback town of Oodnadatta in South Australia recorded 38.5°C on Friday and 39.4°C on Saturday – about 16°C above average. Both days were well above the state’s previous winter temperature record. In large parts of Australia, the heat is expected to persist into the coming week. A high pressure system is bringing this unusual heat – and it’s hanging around. So temperature records have already fallen and may continue to be broken for some towns in the next few days. It’s no secret the world is warming. In fact, 2024 is shaping up to be <a href="https://www.carbonbrief.org/state-of-the-climate-2024-now-very-likely-to-be-warmest-year-on-record/">the hottest year on record</a>. Climate change is upon us. Historical averages are becoming just that: a thing of the past. That’s why this winter heat is concerning. The warming trend will continue for at least as long as we keep burning fossil fuels and polluting the atmosphere. Remember, this is only August. The heatwaves of spring and summer are only going to be hotter. <figure><iframe src="https://www.youtube.com/embed/GmhMKjxEGQo?wmode=transparent&start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe><figcaption>Widespread heat forecast for Australia in August, 2024 (Bureau of Meteorology)</figcaption></figure> <h2>Records broken across Australia</h2> The Bureau of Meteorology was expecting many records to be broken over the weekend across several states. On Thursday, bureau meteorologist Angus Hines described: <blockquote> A scorching end to winter, with widespread heat around the country in coming days, including the chance of winter records across multiple states for maximum temperature. </blockquote> The amount of heat plunging into central Australia was particularly unusual, Hines said. On Friday, temperatures across northern South Australia and southern parts of the Northern Territory were as much as 15°C above average. Temperatures continued to soar across northern parts of Western Australia over the weekend, with over 40°C recorded at Fitzroy Crossing on Sunday. It has been 2–12°C above average from Townsville all the way down to Melbourne for several days in a row. <figure class="align-center zoomable"><a href="https://images.theconversation.com/files/615457/original/file-20240825-18-d8f6ho.gif?ixlib=rb-4.1.0&q=45&auto=format&w=1000&fit=clip"><img src="https://images.theconversation.com/files/615457/original/file-20240825-18-d8f6ho.gif?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/615457/original/file-20240825-18-d8f6ho.gif?ixlib=rb-4.1.0&q=45&auto=format&w=600&h=412&fit=crop&dpr=1 600w, https://images.theconversation.com/files/615457/original/file-20240825-18-d8f6ho.gif?ixlib=rb-4.1.0&q=30&auto=format&w=600&h=412&fit=crop&dpr=2 1200w, https://images.theconversation.com/files/615457/original/file-20240825-18-d8f6ho.gif?ixlib=rb-4.1.0&q=15&auto=format&w=600&h=412&fit=crop&dpr=3 1800w, https://images.theconversation.com/files/615457/original/file-20240825-18-d8f6ho.gif?ixlib=rb-4.1.0&q=45&auto=format&w=754&h=518&fit=crop&dpr=1 754w, https://images.theconversation.com/files/615457/original/file-20240825-18-d8f6ho.gif?ixlib=rb-4.1.0&q=30&auto=format&w=754&h=518&fit=crop&dpr=2 1508w, https://images.theconversation.com/files/615457/original/file-20240825-18-d8f6ho.gif?ixlib=rb-4.1.0&q=15&auto=format&w=754&h=518&fit=crop&dpr=3 2262w" alt="Animated maximum temperature anomaly map showing heat building across central Australia" /></a><figcaption>Maximum temperature anomalies from August 19-24, showing heat building across Australia. Bureau of Meteorology, <a class="license" href="http://creativecommons.org/licenses/by/4.0/">CC BY</a></figcaption></figure> Bear in mind, it’s only August. As Hines said, the fire weather season hasn’t yet hit most of Australia – but the current conditions – hot, dry and sometimes windy – are bringing moderate to high fire danger across Australia. It may also bring dusty conditions to central Australia. And for latitudes north of Sydney and Perth, most of the coming week will be warm. <h2>What’s causing the winter warmth?</h2> <a href="http://www.bom.gov.au/australia/charts/synoptic_col.shtml">In recent days</a> a stubborn high pressure system has sat over eastern Australia and the Tasman Sea. It has kept skies clear over much of the continent and brought northerly winds over many areas, transporting warm air to the south. High pressure promotes warm weather – both through clearer skies that bring more sunshine, and by promoting the descent of air which <a href="https://media.bom.gov.au/social/blog/2544/explainer-what-influences-air-temperature/">causes heating</a>. By late August, both the intensity of the sun and the length of the day has increased. So the centre of Australia can really warm up when under the right conditions. High pressure in June can be associated with cooler conditions, because more heat is lost from the surface during those long winter nights. But that’s already less of an issue by late August. This kind of weather setup has occurred in the past. Late-winter or early-spring heat does sometimes occur in Australia. However, this warm spell is exceptional, as highlighted by the broken temperature records across the country. <figure class="align-center zoomable"><a href="https://images.theconversation.com/files/615284/original/file-20240823-20-1mu7h0.png?ixlib=rb-4.1.0&q=45&auto=format&w=1000&fit=clip"><img src="https://images.theconversation.com/files/615284/original/file-20240823-20-1mu7h0.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/615284/original/file-20240823-20-1mu7h0.png?ixlib=rb-4.1.0&q=45&auto=format&w=600&h=450&fit=crop&dpr=1 600w, https://images.theconversation.com/files/615284/original/file-20240823-20-1mu7h0.png?ixlib=rb-4.1.0&q=30&auto=format&w=600&h=450&fit=crop&dpr=2 1200w, https://images.theconversation.com/files/615284/original/file-20240823-20-1mu7h0.png?ixlib=rb-4.1.0&q=15&auto=format&w=600&h=450&fit=crop&dpr=3 1800w, https://images.theconversation.com/files/615284/original/file-20240823-20-1mu7h0.png?ixlib=rb-4.1.0&q=45&auto=format&w=754&h=566&fit=crop&dpr=1 754w, https://images.theconversation.com/files/615284/original/file-20240823-20-1mu7h0.png?ixlib=rb-4.1.0&q=30&auto=format&w=754&h=566&fit=crop&dpr=2 1508w, https://images.theconversation.com/files/615284/original/file-20240823-20-1mu7h0.png?ixlib=rb-4.1.0&q=15&auto=format&w=754&h=566&fit=crop&dpr=3 2262w" alt="Graph of August Australian-average temperatures increasing since 1910" /></a><figcaption>August temperatures have been rising over the past century. Bureau of Meteorology</figcaption></figure> <h2>Feeling the heat</h2> The consequences of humanity’s continued greenhouse gas emissions are clear. Australia’s winters are getting warmer overall. And winter “heatwaves” are becoming warmer. Australia’s three warmest Augusts on record have all occurred since 2000 – and <a href="https://theconversation.com/why-is-australia-having-such-a-warm-winter-a-climate-expert-explains-210693">last August was the second-warmest since 1910</a>. When the right weather conditions occur for winter warmth across Australia, the temperatures are higher than a century ago. The warmth we are experiencing now comes off the back of <a href="https://theconversation.com/earth-has-just-ended-a-13-month-streak-of-record-heat-heres-what-to-expect-next-236655">a recent run of global temperature records</a> and <a href="https://theconversation.com/extreme-heat-is-breaking-global-records-why-this-isnt-just-summer-and-what-climate-change-has-to-do-with-it-234249">extreme heat events across the Northern Hemisphere</a>. This warm spell is set to continue, with temperatures above 30°C forecast from Wednesday through to Sunday in Brisbane. The outlook for spring points to continued <a href="http://www.bom.gov.au/climate/outlooks/#/temperature/maximum/median/seasonal/0">above-normal temperatures</a> across the continent, but as always we will likely see both warm and cold spells at times. Such winter warmth is exceptional and already breaking records. Climate change is already increasing the frequency and intensity of this kind of winter heat – and future warm spells will be hotter still, if humanity’s greenhouse gas emissions continue.<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/237398/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/andrew-king-103126">Andrew King</a>, Senior Lecturer in Climate Science, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</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/40-c-in-august-a-climate-expert-explains-why-australia-is-ridiculously-hot-right-now-237398">original article</a>. </div>

Domestic Travel

The hidden risks of buy now, pay later: What shoppers need to know

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/vivek-astvansh-1318943">Vivek Astvansh</a>, <a href="https://theconversation.com/institutions/mcgill-university-827">McGill University</a> and <a href="https://theconversation.com/profiles/chandan-kumar-behera-1479139">Chandan Kumar Behera</a>, <a href="https://theconversation.com/institutions/indian-institute-of-management-lucknow-6023">Indian Institute of Management Lucknow</a> <iframe style="width: 100%; height: 100px; border: none; position: relative; z-index: 1;" src="https://narrations.ad-auris.com/widget/the-conversation-canada/the-hidden-risks-of-buy-now-pay-later-what-shoppers-need-to-know" width="100%" height="400"></iframe> <a href="https://www.canada.ca/en/financial-consumer-agency/services/loans/buy-now-pay-later.html">Buy now, pay later</a> is a relatively new form of financial technology that allows consumers to purchase an item immediately and repay the balance at a later time in instalments. Unlike applying for a credit card, buy now, pay later <a href="https://papers.ssrn.com/sol3/papers.cfm?abstract_id=4591446">doesn’t require a credit check</a>. Instead, <a href="https://doi.org/10.1108/EJM-11-2021-0923">these programs use algorithms</a> to perform <a href="https://www.investopedia.com/terms/s/soft-inquiry.asp">“soft” credit checks</a> to determine <a href="https://theconversation.com/if-it-looks-like-debt-lets-treat-it-like-debt-buy-now-pay-later-schemes-need-firmer-regulation-in-nz-211820">a shopper’s eligibility</a>. This means buy now, pay later loans target <a href="https://www.theguardian.com/money/2022/jan/27/buy-now-pay-later-schemes-entice-consumers-spend-more">low-income, tech-savvy</a> <a href="https://www.cnbc.com/2022/10/27/gen-z-and-millennials-prefer-buy-now-pay-later-services.html">millennials and Gen Z shoppers</a> in an effort to <a href="https://libertystreeteconomics.newyorkfed.org/2023/09/who-uses-buy-now-pay-later/">supposedly improve financial inclusion</a> for these groups. However, the newness of buy now, pay later programs means existing <a href="https://doi.org/10.1111/acfi.13100">consumer credit laws don’t cover it</a>. This lack of regulation puts shoppers at financial risk of accumulating higher levels of debt. <h2>Credit cards versus buy now, pay later</h2> There are three key differences between credit cards and buy now, pay later loans. First, while buy now, pay later loans are a line of credit like credit cards are, <a href="https://www.cnbc.com/2022/05/04/klarna-to-report-buy-now-pay-later-data-to-uk-credit-bureaus.html">they don’t impact credit reports</a>. Because of this, shoppers might be less cautious when using buy now, pay later services. Credit cards typically have annual interest rates ranging from <a href="https://www.bankrate.com/finance/credit-cards/what-is-credit-card-apr/#credit-card-apr-vs-credit-card-interest">15 to 26 per cent</a>. While most buy now, pay later loans have no interest, longer term loans have <a href="https://www.cbsnews.com/news/buy-now-pay-later-loans-interest-rate-fees-tips-what-to-know/">annual interest rates of about 37 per cent</a>. Shoppers are <a href="https://hbswk.hbs.edu/item/buy-now-pay-later-how-retails-hot-feature-hurts-lower-income-shoppers">at risk of overusing buy now, pay later programs</a> and accumulating more debt than they can manage. In addition, formal lenders, such as banks, currently have no way of knowing what buy now, pay later debt a person is carrying. The lender, therefore, likely incurs more risk than they are aware of. Second, credit cards typically provide <a href="https://doi.org/10.1080/1369118X.2022.2161830">an interest-free period</a>, after which <a href="https://doi.org/10.1177/03128962211032448">borrowers must pay interest</a>. In contrast, buy now, pay later users typically don’t have interest fees, but can incur <a href="https://doi.org/10.1108/IJBM-07-2022-0324">late fees for missed or late payments</a>. Falling behind on payment terms <a href="https://www.forbes.com/sites/andriacheng/2020/12/16/why-retailers-are-embracing-buy-now-pay-later-service-this-holiday-season/">can result in charges</a> that exceed <a href="https://stateline.org/2022/02/02/regulators-scrutinize-buy-now-pay-later-plans/">typical credit card interest rates</a>, causing more harm than interest payments. Low-income buy now, pay later users are <a href="https://hbswk.hbs.edu/item/buy-now-pay-later-how-retails-hot-feature-hurts-lower-income-shoppers">particularly vulnerable</a> to <a href="https://www.consumerfinance.gov/data-research/research-reports/consumer-use-of-buy-now-pay-later-insights-from-the-cfpb-making-ends-meet-survey/">using overdrafts to cover their buy now, pay later payments</a>. Third, people typically have just a few credit cards, making it easier to keep track of payments. Buy now, pay later users, on the other hand, usually engage with multiple buy now, pay later lenders through retailers. As a result, it’s difficult for them to keep track of all the buy now, pay later lenders and retailers they made purchases from. <h2>What are the Canadian governments doing?</h2> Canada classifies buy now, pay later as an unsecured instalment loan, which means lenders are subject to laws at the federal and provincial levels. Under federal law, there is an <a href="https://www.sec.gov/Archives/edgar/data/1711291/000171129122000011/curo-20211231.htm">annual interest rate cap of 60 per cent</a>. Provincial laws require buy now, pay later lenders to disclose the cost of credit and extend consumer protection rights to buy now, pay later shoppers. At the provincial level, <a href="https://www.canada.ca/en/financial-consumer-agency/services/loans/buy-now-pay-later.html">specific laws come into play</a>. Manitoba, Alberta, Québec, and Ontario have passed laws that require lenders to be licensed before they offer these products and be subject to regulatory oversight. These laws regulate high-cost credit products that have annual rates of 32 per cent or higher. This means buy now, pay later services should fall under this category. However, I found no evidence of buy now, pay later lenders being licensed in Canada. This means either lenders are not aware they fall under these laws, or no one is enforcing them. This ambiguity over whether or not buy now, pay later lenders are subject to regulatory oversight could be a hindrance for banks like the <a href="https://financialpost.com/fp-finance/fintech/why-higher-interest-rates-threaten-the-buy-now-pay-later-bubble">Bank of Nova Scotia and the Canadian Imperial Bank of Commerce</a>, as it deters them from entering the buy now, pay later market despite its profitability. <h2>Questions to ask before using buy now, pay later</h2> Before signing up for a buy now, pay later loan, shoppers should consider the following six questions. 1. Payment structure. How much of the invoice amount needs to be paid upfront? The norm is typically 25 per cent. What is the number of remaining instalments? The answer to this is usually four. Lastly, what is the frequency of instalments? The norm is biweekly. 2. Sensitive information. Does the lender require you to provide information about your chequing account? This is sensitive information to give away and puts you at risk of data breaches. Most buy now, pay later lenders withdraw instalment amounts from chequing accounts or debit cards, potentially exposing shoppers to greater risks than credit cards. 3. Interest charges Does the buy now, pay later lender charge interest on instalment payments? The norm is no. 4. Late fees How much is the late fee, when does it apply and what is the maximum amount of the late fee? Typically, late fees don’t exceed $8 or one-quarter of the invoice amount. Late fees usually kick in if your scheduled payment remains unpaid after 10 days. 5. Data responsibility. Who is responsible for your data? Whether it’s the retailer, the buy now, pay later lender or a company whose cloud storage the provider may be using, you should know. In general, the buy now, pay later lender holds this responsibility. 6. Licensing. Is the buy now, pay later lender licensed to sell the loan? Usually, the <a href="https://dfpi.ca.gov/wp-content/uploads/sites/337/2020/03/afterpay-settlement.pdf">answer to this question is no</a>. <h2>Buy now, pay later regulation</h2> Two sets of laws and regulations should be implemented to address some of these issues. The first set of regulations focuses on how buy now, pay later lenders interact with consumers. These lenders should clearly communicate <a href="https://papers.ssrn.com/sol3/papers.cfm?abstract_id=4359956">all terms and conditions of their loans</a>, including late charges, interest charges and payment schedules, on their platforms to ensure shoppers are fully informed of their financial obligations. The Financial Conduct Authority in the United Kingdom recently issued guidelines allowing buy now, pay later lenders to <a href="https://www.ft.com/content/ca428bc8-65c3-49ed-8ba6-0d6f206098aa">terminate, suspend or restrict access to shopper accounts</a> for any reason without notice. Effective September 2024, New Zealand will require buy now, pay later lenders to <a href="https://theconversation.com/if-it-looks-like-debt-lets-treat-it-like-debt-buy-now-pay-later-schemes-need-firmer-regulation-in-nz-211820">check a shopper’s credit</a> before providing them a buy now, pay later loan. The second set of regulations defines the scope and boundaries of buy now, pay later lenders. On Dec. 9, 2022, California became the first American state to <a href="https://dfpi.ca.gov/2022/12/09/buy-now-pay-later-protect-yourself-before-you-check-out/">classify buy now, pay later as a loan</a>. Such classifications allowed California regulators to <a href="https://stateline.org/2022/02/02/regulators-scrutinize-buy-now-pay-later-plans/">question lenders about their transparency in disclosing the terms of their offerings</a>. The hope is that these laws and regulations will facilitate microlending and not impede the existence of buy now, pay later services, but rather make it safer and more secure for both lenders and users.<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/215421/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/vivek-astvansh-1318943">Vivek Astvansh</a>, Associate Professor of Quantitative Marketing and Analytics, <a href="https://theconversation.com/institutions/mcgill-university-827">McGill University</a> and <a href="https://theconversation.com/profiles/chandan-kumar-behera-1479139">Chandan Kumar Behera</a>, PhD Student in Marketing, <a href="https://theconversation.com/institutions/indian-institute-of-management-lucknow-6023">Indian Institute of Management Lucknow</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/the-hidden-risks-of-buy-now-pay-later-what-shoppers-need-to-know-215421">original article</a>. </div>

Money & Banking

It’s so hard to see a doctor right now. What are my options?

<div class="theconversation-article-body"> <a href="https://theconversation.com/profiles/anthony-scott-10738">Anthony Scott</a>, <a href="https://theconversation.com/institutions/monash-university-1065">Monash University</a> Deciding whether to wait and see if your health condition improves or go to a GP can be a difficult task. You might be unsure about where to go, whom to see, how much it will cost and whether you’ll need to take time off work. These choices can create significant barriers to accessing health care in Australia. There is often limited information available about the pros and cons of the different options. Often, we stick to what we know, unaware of better alternatives. But making the wrong decision about how to access care can impact both your health and finances. So what are your options? And what policy reforms are needed to improve affordable access to care for all Australians? <h2>How quickly can I be seen?</h2> Access depends on how long it takes you to speak to a GP, or be seen in an emergency department, or by a community pharmacist, or a nurse practitioner whom you can see directly. Access depends on where you live and the time of day. The rise of telehealth means GPs now get paid to talk to you on the phone, which is great for many minor ailments, medical certificates, repeat scripts or getting test results. Call centres such as <a href="https://www.healthdirect.gov.au/">Healthdirect</a> have been available for some time and now <a href="https://www.vved.org.au/patients/">virtual emergency departments</a> can also see you online. There are even GPs who only provide their services <a href="https://www.instantscripts.com.au/gp-online/">online</a> if you can pay. A phone call can save you valuable time. Before COVID, you needed to take half a day off work to see a GP, now it takes five to ten minutes and the GP even calls you. Things get more tricky outside of normal working hours and at weekends – appointments are harder to come by, it is unlikely you will be able to see a GP whom you know, and out-of-pocket costs might be higher. If you can’t wait, your local emergency department is likely to be more accessible, or you might be lucky enough to live near a bulk-billed Medicare <a href="https://www.health.gov.au/find-a-medicare-ucc">urgent care clinic</a>, where you don’t need an appointment. Tomorrow’s federal budget <a href="https://www.smh.com.au/politics/federal/more-free-urgent-care-clinics-part-of-8-5-billion-health-commitment-20240511-p5jcse.html">will include</a> funding for another 29 urgent care clinics, on top of the 58 already operating. But things are much worse if you live if a rural or remote area, where choice is limited and you need to wait much longer for GP appointments or travel long distances. Telehealth helps but can be expensive if it is not with your usual doctor. <h2>Who will I see?</h2> Access depends on who you will see. At the moment, this will usually be your GP (or, depending on the severity of your health concern, your community pharmacist or local emergency department staff). But to see your preferred GP you might need to wait as they are usually very busy. But a <a href="https://www.health.gov.au/resources/collections/issues-papers?language=en">review</a> of “scope of practice” in primary care aims to free up GPs’ time and use their skills more effectively. So in future, you could receive more of your health care from qualified nurses, nurse practitioners, pharmacists and other health professionals. But which tasks can be delegated to other health professionals is a significant bone of contention for GPs. For GP practices facing significant cost pressures, safely delegating tasks to other less costly health professionals also makes good business sense. <h2>How much will it cost?</h2> Access depends on out-of-pocket costs. Bulk billing of GP services reached a peak of <a href="https://www.health.gov.au/resources/publications/medicare-quarterly-statistics-state-and-territory-december-quarter-2023-24?language=en">89.6%</a> in the September quarter of 2022 but plummeted to 76.5% by the September quarter of 2023. Last November, bulk billing incentives for children under 16 and those on concession cards were tripled, and between November and December 2023 bulk billing had <a href="https://www.health.gov.au/ministers/the-hon-mark-butler-mp/media/bulk-billing-slide-stopped-thanks-to-albanese-government?language=en">increased</a> from 76.5% to 77.7%. They key issue for patients is that it remains uncertain whether a GP will bulk bill you. You often don’t know this until you get into the consultation, at which point you can’t back out. Unless the whole practice bulk bills and so it is guaranteed, it’s entirely up to the GP whether you are bulk billed. It’s difficult to think of any other service where you don’t know how much you will pay until after you have used it. <h2>How can policymakers improve access to care?</h2> Government policies to strengthen primary care have focused on giving patients improved access through telehealth, urgent care clinics and <a href="https://www.health.gov.au/resources/publications/strengthening-medicare-taskforce-report?language=en">Strengthening Medicare</a> initiatives, which are currently being developed. But uncertainty surrounding out-of-pocket costs can deter people from seeking medical attention, or delay care or go instead to the emergency department or urgent care clinic where there is no out-of-pocket cost. <a href="https://www.abs.gov.au/statistics/health/health-services/patient-experiences/latest-release">Cost is a factor</a> that leads to 20% of those with a mental health problem and 30% of those with chronic disease to delay or avoid visiting a health professional. Those most in need are more likely to miss out on necessary visits and prescriptions, sometimes with disastrous consequences. A recent <a href="https://academic.oup.com/qje/advance-article-abstract/doi/10.1093/qje/qjae015/7664375?login=false">study</a> shows people can die if they stop heart medications due to increased out-of-pocket costs. The next task for policymakers should be developing policies to guarantee there are no out-of-pocket costs for those on low incomes. This could be a worthwhile investment in our health and should be included in tomorrow’s budget.<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/229191/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/anthony-scott-10738">Anthony Scott</a>, Professor of Health Economics, <a href="https://theconversation.com/institutions/monash-university-1065">Monash 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/its-so-hard-to-see-a-doctor-right-now-what-are-my-options-229191">original article</a>. </div>

Caring

“We’re now in a death spiral”: Complete collapse of Channel Ten predicted

The future of Network Ten is in jeopardy, as the broadcaster continues to face dwindling ratings nationwide, while also juggling a turbulent ownership battle at its American parent company Paramount. <a href="https://www.news.com.au/finance/business/media/network-10-is-in-total-turmoil-and-may-not-survive-as-australias-third-commercial-broadcaster/news-story/8834f836947d5f4ca478c9b88db9e47f" target="_blank" rel="noopener">According to a report by news.com.au</a>, the existence of the Network is in "total turmoil", after high profile shows such as The Masked Singer and The Bachelor have both been axed, leaving many wondering how long the broadcaster can stay afloat. Queensland University of Technology Professor Amanda Lotz, who leads the Transforming Media Industries research program, told the outlet that it’s unlikely Australia will still have three free-to-air commercial networks in the near future. “I would suspect by the end of the decade that we will have two commercial broadcasters,” Prof Lotz said. “It’s just math. We’re now in a death spiral. And eventually, it might be that we just have one.” QUT Professor Anna Potter, an expert in digital media and cultural studies, agreed that the landscape for commercial TV in Australia is now so stretched that television businesses are dangerously unviable. “I think there’s a big question too about whether Australia can support three television (commercial) broadcasters – and I’m not sure we can,” Prof Potter said. A major part of Ten's toppling has been the ongoing defamation suit against the network, launched against Bruce Lehrmann. While Ten successfully defended the suit, they hardly came out unscathed as the Federal Court criticised its handling of various matters related to the broadcast of The Project’s explosive interview with Brittany Higgins in 2021. Daily headlines about the court case overshadowed many popular programs, many of which failed to deliver a significant ratings recovery. As the network has consistently lost viewers over the past years, nationwide ratings have continuously put Network 10 behind its other commercial competitors, making parent company Paramount doubt how viable the business can be long term. Media analyst and Pearman director of strategy and research Steve Allen said, “A new owner of Paramount Global is unlikely to see Ten as an asset worth retaining because the business is in serious turmoil.” “There’s no programming momentum and they haven’t found a really solid anchor for prime time, their revenue looks steady but they can’t seem to significantly reduce overheads, and now there’s upheaval in terms of their US ownership." “Network 10 is in a real pickle and I don’t see a way out for them.” Image credits: Ten

How to navigate a parent’s cancer diagnosis – like Princes William and Harry will now have to do

<a href="https://theconversation.com/profiles/lydia-harkin-1510450">Lydia Harkin</a>, <a href="https://theconversation.com/institutions/nottingham-trent-university-1338">Nottingham Trent University</a> King Charles’ <a href="https://www.bbc.co.uk/news/uk-68209998">cancer diagnosis</a> means the royal family has joined the approximately 3 million families in the UK affected by the disease. His family has already gathered around in support. William, Prince of Wales, has taken over some public duties for his father. And younger son Harry, who lives in California, flew to the UK to visit after the diagnosis was announced. If you, like William and Harry, are navigating a parent’s diagnosis, you are not alone. Around 400,000 people are <a href="https://www.macmillan.org.uk/about-us/what-we-do/research/cancer-statistics-fact-sheet">diagnosed</a> each year. This can be a <a href="https://doi.org/10.1002/pon.4287">frightening</a> and difficult time for families, and can change family dynamics. Adult children may find themselves offering emotional and practical support for a parent in a way that has not been required before, through managing medications and symptoms, travel to medical appointments, help with meal preparation and financial support. It can be rewarding to support a loved one and an important way to actively work together, but it can also be stressful. <a href="https://doi.org/10.1002/pon.4056">Studies have found</a> that family caregivers are generally more anxious and more likely to hide their emotional distress when compared with their family member with cancer. <h2>Being a supportive family, even in conflict</h2> Family support can act as a <a href="https://doi.org/10.1002/ejsp.2333">“social cure”</a> against the stress of a life-changing illness. The social cure theory proposes that being a part of a social group (or multiple groups) has benefits for our health and wellbeing. Social groups, particularly those with whom we strongly identify, like families, provide support and help us to combat times of stress. The key psychological component here is that people feel they belong to and identify with their groups. While undergoing cancer treatment, someone may not be able to participate in their usual social groups – through work or hobbies – as much as they used to. These groups may then become incompatible with a person’s new identity as a cancer survivor. Of course, not all families work together harmoniously, and may be in conflict through divorce, separation or estrangement. Social psychologists have <a href="https://doi.org/10.1111/bjso.12155">found that</a> “incompatible” social groups can lead to poorer mental health. Separated families can still come together and be a helpful social group, but they must offer the kind of support that their loved one needs. To figure this out, it is important to think about the person’s <a href="https://doi.org/10.1002/ejsp.2333">identity</a> within the family. For example, a father may view his identity as an advisor, but a cancer diagnosis requires him to be cared for and to seek advice. He may feel a sense of loss for his typical family role, a loss of meaning and of control. However, if his family communicates openly about the difficulties they are all facing, the father may be able to continue to advise his family, in addition to receiving their advice. This can help to maintain his sense of identity as an advisor within his family, while navigating a new status as a cancer survivor. <h2>Communication and support networks</h2> Cancer throws patients and their loved ones into a complex health system, often for the first time, where medical decisions and terminology become important every day. Understanding <a href="https://doi.org/10.1016/j.ejon.2014.03.012">the “language of cancer”</a> can help families feel more in control after a diagnosis. Equally important is communication within a family. Talking about the cancer, rather than treating it as a taboo topic, can improve <a href="https://doi.org/10.1016/j.ejon.2020.101841">mental health for both patients and their families</a>. It may also be an opportunity to empower patients and their loved ones to seek outside support, such as counselling. Families spread across geographical distances (like the royal family) can offer emotional support through regular phone calls or online tools. During the pandemic, <a href="https://doi.org/10.2196/42172">I developed</a> and trialled an app to help older adults combat loneliness. The app allowed them to see a digital map of their social groups, including family members. Your family member with cancer may feel like a burden. This is a common fear in older adulthood generally. But reminding them of how many people are in their lives – and how many people they support – can combat this feeling. Social media is one way to get more involved in these reciprocal support networks. In my work, families affected by cancer have reported using online communities to <a href="https://doi.org/10.1007/s11764-017-0616-1">better understand what their family is going through</a>. Private social media groups <a href="https://doi.org/10.1177/2055207619898993">dedicated to illness</a> can be helpful spaces to meet other patients and families, share experiences and normalise cancer. Cancer communities exist on <a href="https://doi.org/10.4103%2Fijpvm.IJPVM_36_19">Instagram</a>, on <a href="https://doi.org/10.1007/s00345-018-2254-2">YouTube and X/Twitter</a> and through registered cancer charities like <a href="https://www.macmillan.org.uk/">Macmillan Cancer Support</a>. These online resources all provide a way to build a network following a cancer diagnosis. Just as group identification is important within families, having more groups to connect to can act as a buffer during stressful times and help you all cope with your new reality.<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/223214/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/lydia-harkin-1510450">Lydia Harkin</a>, Principal Lecturer in Psychology, <a href="https://theconversation.com/institutions/nottingham-trent-university-1338">Nottingham Trent University</a> Image credits: Getty Images This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/how-to-navigate-a-parents-cancer-diagnosis-like-princes-william-and-harry-will-now-have-to-do-223214">original article</a>.

Caring

"Now he's free": Aussie Marvel actor's son tragically dies

Marvel actor Eka Darville has announced the heartbreaking news that his 10-year-old son has died. Earlier this year, Darville shared that his son, Mara, had been diagnosed with a rare and aggressive form of brain cancer. Despite undergoing numerous surgeries and aggressive treatments, Mara passed away. The Australian actor's mother, Malaika, shared the devastating news about her grandson on the GoFundMe page she set up to help the family cope with the financial stress of having a sick child. She wrote, “I still wanted to come together in this prayer because he’s still always gonna be with us and he’s still with us.” “You can imagine the amount of sadness and grief of Eka, Lila and Lila’s parents, his grandparents, myself, his little brothers." “But at the same time, there’s a lot of joy. There’s a lot of peace. There’s a lot of stillness in the house after such a long struggle for 463 days since the whole ordeal began. And now he’s free. Now he’s dancing in the light." “We all see it, we feel it and I know that many of you, like myself, loved Mana eternally,” added the grandmother. The family's life turned upside down when Mara collapsed on a beach in July 2022, as he suffered seizures for six months before receiving his brain cancer diagnosis. The Australian actor is best known for his role in the smash hit Marvel series Jessica Jones alongside David Tennant. Image credits: Instagram

Caring

“Now THIS is a gift I can get behind”: Couple praised for unusual wedding request

A young couple have come up with an inventive way to pay off a speeding fine, while asking their friends and family to contribute to the cost. Annabelle and James, from Texas in the US, were less than three weeks away from their wedding when James unfortunately received a speeding fine in the mail. With their wedding budget already at capacity, the young couple weren’t sure how they were going to be able to fork out for the $231 fine. However, they came up with a genius way to deal with the fine: by adding it to their wedding gift registry. Annabelle shared their great idea to TikTok, writing, “Wedding in 26 days, timing couldn't be better.” <div class="embed" style="font-size: 16px; box-sizing: inherit; margin: 0px; padding: 0px; border: 0px; vertical-align: baseline; outline: none !important;"><iframe class="embedly-embed" style="box-sizing: inherit; margin: 0px; padding: 0px; border-width: 0px; vertical-align: baseline; width: 600px; max-width: 100%; outline: none !important;" title="tiktok embed" src="https://cdn.embedly.com/widgets/media.html?src=https%3A%2F%2Fwww.tiktok.com%2Fembed%2Fv2%2F7288095171068103982&display_name=tiktok&url=https%3A%2F%2Fwww.tiktok.com%2F%40imthatgurlneb%2Fvideo%2F7288095171068103982&image=https%3A%2F%2Fp16-sign.tiktokcdn-us.com%2Fobj%2Ftos-useast5-p-0068-tx%2FokrbI8IiAf2R6neDQgBDaXXCZ2DEJl8SgCBJIz%3Fx-expires%3D1697760000%26x-signature%3DdT%252FKt%252BrdEhkr8paiK0OSLVuZj0g%253D&key=59e3ae3acaa649a5a98672932445e203&type=text%2Fhtml&schema=tiktok" width="340" height="700" frameborder="0" scrolling="no" allowfullscreen="allowfullscreen"></iframe></div> In the video, Annabelle showed her fiancé James sitting in front of a computer holding an envelope containing the $231 penalty for driving over the speed limit. “Feel free to support James in his down-bad era on The Knot at Annabelle and James's Wedding Registry,” she wrote in the caption of the clip. In the 15-second-clip, Annabelle showed their registry list on the computer screen, focusing on a section for 'cash fund' on their digital gift wish list and a picture of a police officer issuing the fine. She then zoomed in on James updating their registry, writing 'PLEASE HELP,' as he added the speeding fine to the cash fund. The video has racked up hundreds of thousands of views, with many people praising their inventive way of repaying the fine. “Now this is a wedding gift I can get behind,” one viewer declared. Others also flocked to the comments to share similar stories that happened around their own wedding days. “I got a speeding ticket the night before our wedding... guess it happens to the best of us,” added one person. “My husband got a speeding ticket the day of our rehearsal dinner, so very relatable,” agreed another. Image credits: TikTok

Relationships

How should I add sunscreen to my skincare routine now it’s getting hotter?

<a href="https://theconversation.com/profiles/monika-janda-167949">Monika Janda</a>, <a href="https://theconversation.com/institutions/the-university-of-queensland-805">The University of Queensland</a>; <a href="https://theconversation.com/profiles/caitlin-horsham-1405367">Caitlin Horsham</a>, <a href="https://theconversation.com/institutions/the-university-of-queensland-805">The University of Queensland</a>, and <a href="https://theconversation.com/profiles/katie-lee-228942">Katie Lee</a>, <a href="https://theconversation.com/institutions/the-university-of-queensland-805">The University of Queensland</a> Sun exposure is the number one cause of skin cancer – including the most deadly form, melanoma. High levels of sun exposure cause <a href="https://europepmc.org/article/MED/26437734#id580549">an estimated 7,200 melanomas in Australia each year</a>. Too much sun exposure can also lead to premature ageing, resulting in wrinkles, fine lines and age spots. Can a tweak to your skincare routine help prevent this? <h2>When should I start wearing sunscreen?</h2> In Australia, we are advised to <a href="https://pubmed.ncbi.nlm.nih.gov/30681231/">wear sunscreen</a> on days when the ultraviolet (UV) index reaches three or higher. That’s year-round for much of Australia. The weather forecast or the Cancer Council’s free <a href="https://www.sunsmart.com.au/resources/sunsmart-app">SunSmart app</a> are easy ways to check the UV Index. Besides “primary sunscreens”, which are dedicated sun-protection products, a sun protection factor (SPF) is also found in many beauty products, such as foundations, powders and moisturisers. These are called “secondary sunscreens” because they have a primary purpose other than sun protection. Primary sunscreens are regulated by the <a href="https://www.tga.gov.au/news/news/about-sunscreens#_Sun_protection_factor">Therapeutic Goods Administration</a> and the SPF must be determined by testing on human skin. SPF measures how quickly skin burns with and without the sunscreen under intense UV light. If the skin takes ten seconds to burn with no sunscreen, and 300 seconds to burn with the sunscreen, the SPF is 30 (300 divided by 10). <h2>Is the SPF in makeup or moisturisers enough to protect me the whole day?</h2> Simple answer? No. SPF 30 mixed into foundation is not going to be as effective as a primary SPF 30 sunscreen. Also, when people use a moisturiser or makeup that includes SPF, they generally don’t do the three key steps that make sunscreens effective: <ol> <li>putting a thick enough amount on</li> <li>covering all sun exposed areas</li> <li>reapplying regularly when outdoors for a sustained amount of time.</li> </ol> One <a href="https://pubmed.ncbi.nlm.nih.gov/37632801/">study</a> had 39 participants apply their usual SPF makeup/moisturisers and photographed them with UV photography in the morning, then again in the afternoon, without reapplying during the day. The UV photography allowed the researchers to visualise how much protection these products were still providing. They found participants missed some facial areas with the initial application and the SPF products provided less coverage by the afternoon. Another consideration is the product type. Liquid foundation may be applied more thickly than powder makeup, which is generally lightly applied. The <a href="https://www.tga.gov.au/products/medicines/sunscreens">Therapeutic Goods Administration</a> tests primary sunscreens so they’re effective when applied at 2mg per 2 square centimetres of skin. For the face, ears and neck, this is about one teaspoon (5mL) – are you applying that much powder? It’s unlikely people will cake on their moisturiser thickly and reapply during the day, so these products aren’t effective sun protection if outdoors for a sustained amount of time when used alone. <h2>If skin products with SPF aren’t giving me better protection, should I stop using them?</h2> These products can still serve a protective purpose, as <a href="https://onlinelibrary.wiley.com/doi/10.1111/srt.13010">some research</a> suggests layering sunscreen and makeup products may help to cover areas that were missed during a single application. When layering, SPF factors are not additive. If wearing an SPF 30 sunscreen and makeup with SPF 15, that doesn’t equal SPF 45. You will be getting the protection from the highest product (in this scenario, it’s the SPF 30). A good metaphor is SPF in makeup is like “icing on the cake”. Use it as an add-on and if areas were missed with the initial sunscreen application, then there is another chance to cover all areas with the SPF makeup. <h2>Should I apply sunscreen before or after makeup?</h2> It depends on whether you’re using a chemical or physical sunscreen. Chemical sunscreens need to absorb into the skin to block and absorb the sun’s rays, whereas physical sunscreens sit on the surface of the skin and act as a shield. When the main ingredient is zinc oxide or titanium dioxide, it’s a physical sunscreen – think the classic zinc sticks you used to apply to your nose and lips at the beach. Physical sunscreens are recommended for people with sensitive skin and although they used to be pretty thick and sticky, newer versions feel more like chemical sunscreens. For maximum sun protection when using chemical sunscreens, apply sunscreen first, followed by moisturiser, then makeup. Give the sunscreen a few minutes to dry and sink into the skin before starting to put on other products. Chemical sunscreen should be applied 20 minutes before going outdoors. When using a physical sunscreen, first apply moisturisers, followed by sunscreen, and then makeup. When reapplying sunscreen, it’s recommended to wash off makeup and start fresh, but this isn’t going to be practical for many people, so gently patting sunscreen over makeup is another option. Physical sunscreens will be most effective for reapplication over makeup. <h2>What type of sunscreen should I use?</h2> The best sunscreen is the one you actually like to apply. Protecting your skin on a daily basis (and not just for trips to the beach!) is a must in Australia’s high UV climate, and should be done with a primary sunscreen. Look for sunscreens that have the label “broad spectrum”, which means it covers for UVA and UVB, and has at least SPF30. Then experiment with features like matte finish, milk texture or fragrance-free to find a sunscreen you like. No sunscreen provides 100% protection so you should also use other sun protection such as protective clothing, hats, sunglasses, using shade and avoiding the sun during peak UV hours. Skin care and makeup products with SPF is better than nothing, but don’t rely solely on your morning makeup for sun protection the entire day.<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/213453/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/monika-janda-167949">Monika Janda</a>, Professor in Behavioural Science, <a href="https://theconversation.com/institutions/the-university-of-queensland-805">The University of Queensland</a>; <a href="https://theconversation.com/profiles/caitlin-horsham-1405367">Caitlin Horsham</a>, Research Manager, <a href="https://theconversation.com/institutions/the-university-of-queensland-805">The University of Queensland</a>, and <a href="https://theconversation.com/profiles/katie-lee-228942">Katie Lee</a>, PhD Candidate, <a href="https://theconversation.com/institutions/the-university-of-queensland-805">The University of Queensland</a> Image credits: Getty Images This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/how-should-i-add-sunscreen-to-my-skincare-routine-now-its-getting-hotter-213453">original article</a>.

Beauty & Style

Why did Hamas attack, and why now? What does it hope to gain?

<a href="https://theconversation.com/profiles/ian-parmeter-932739">Ian Parmeter</a>, <a href="https://theconversation.com/institutions/australian-national-university-877">Australian National University</a> In hindsight, the drivers of Hamas’s startlingly well-planned, land-sea-air attack on Israel on Saturday were in plain sight. The operation reflects a pattern of four wars and regular outbreaks of violence between Israel and Hamas militants in Gaza since 2005, when Israel withdrew its military posts and <a href="https://www.cfr.org/backgrounder/middle-east-gaza-withdrawal">forcibly removed</a> 9,000 Israeli settlers from the territory. Each time Hamas has launched rockets at Israel or engaged in similar provocations, it has drawn heavy retaliation from Israel in the form of major bombings on the Gaza Strip. Hamas, however, seems to regard this as a cost of doing business. An important factor motivating Hamas towards violence is that it has to watch its flanks. Other smaller, but increasingly extremist groups, are contesting its authority in Gaza, notably Palestinian Islamic Jihad. These groups have, at times, independently launched rocket attacks on Israel, which bring retribution on the whole territory. On top of this, the Israeli government formed by Prime Minister Benjamin Netanyahu last December is the most right wing in Israeli history. This government has made no secret of its desire to <a href="https://www.theguardian.com/world/2022/dec/28/benjamin-netanyahu-government-makes-west-bank-settlement-expansion-its-priority">annex</a> the West Bank and has permitted significant expansion of Jewish settlements in the territory, which are illegal under <a href="https://press.un.org/en/2016/sc12657.doc.htm">international law</a>. That has led to conflict between settlers and young West Bank Palestinians, who in the past year have formed a loose grouping known as the “<a href="https://www.economist.com/1843/2023/07/07/inside-the-lions-den-the-west-banks-gen-z-fighters">Lions’ Den</a>”. This grouping, comprising independent militants with apparently no central control, has scant regard for the Palestinian Authority, which governs the West Bank and is led by the octogenarian Mahmoud Abbas. The Palestinian Authority has little real administrative, security or moral authority in the territory. The “Lions’ Den” also vies with Gaza militant groups for influence among Palestinian youth – both in Gaza and the West Bank. Added to this, a minister in Netanyahu’s coalition, <a href="https://edition.cnn.com/2023/07/27/europe/ben-gvir-visit-israel-jerusalem-intl/index.html">Itamar Ben-Gvir</a>, has visited the Temple Mount, the site of the Al-Aqsa Mosque, one of the holiest shrines in Islam. This was considered a provocation by all Palestinians – both in the West Bank and Gaza. Further angering Palestinians, Israeli tourists also <a href="https://apnews.com/article/christians-jerusalem-old-city-spitting-524b3b8e92beb4c947b3b8b49e80cc45">travelled</a> to the site over the recent Sukkot holiday. A <a href="https://www.thenation.com/article/archive/september-28-2000-ariel-sharon-visits-the-temple-mount-sparking-the-second-intifada/">visit</a> to the Temple Mount by Ariel Sharon in 2000, then the leader of the opposition in Israel’s government, is generally regarded as the spark that ignited the Second Intifada from 2000-2005. Under an agreement predating Israel’s foundation, Jordan has <a href="https://www.middleeastmonitor.com/20231004-jordan-sends-memo-of-protest-to-israel-over-al-aqsa-settler-incursions/">custodianship</a> of the Al-Aqsa religious complex. Israel aimed to respect Jordan’s role when it signed the Israeli-Jordanian peace treaty in 1994. But Palestinians see the visits by Israeli ministers and non-Muslim tourists as disrespectful of the sanctity of the site and counter to this undertaking. Hamas has also claimed these visits have led to the desecration of the Al-Aqsa site, an argument obviously aimed at winning support from Muslims throughout the Arab and wider Islamic world. <h2>Why attack now?</h2> Significantly, Hamas has named its action “<a href="https://www.aljazeera.com/opinions/2023/10/8/there-is-nothing-surprising-about-hamass-operation">Operation Al-Aqsa Flood</a>”. This provides some clues to the primary reason for striking at this time, which emphasises what Hamas sees as Israeli acts of desecration of a holy Islamic site. However, an additional motivating factor was likely the increasing tendency of Arab states to make peace agreements with Israel, as evidenced by the <a href="https://www.state.gov/the-abraham-accords/">2020 Abraham Accords</a>, involving the United Arab Emirates, Bahrain, Sudan and Morocco. There has recently been strong speculation that Saudi Arabia is about to make its own agreement with Israel. This is of great concern to all Palestinians, not just those in the West Bank, as it further reduces pressure on Israel to reach a settlement with them. Netanyahu has made clear in his public statements that he prioritises peace with Arab states over eventual peace with the Palestinians. Hamas does not recognise Israel, but has said it would <a href="https://www.nbcnews.com/id/wbna24235665">observe a truce</a> if Israel withdrew to its 1967 borders. Israel would be unlikely to take Hamas’s word on this and withdraw as demanded. But there would be even less chance of that condition ever being realised if Saudi Arabia were to conclude its own deal with Israel. Another aspect of the timing is that it coincides almost precisely with the 50th anniversary of the start of the Yom Kippur or Ramadan War in October 1973, when Egypt and Syria attacked Israel together. The significance of a Palestinian entity being able to surprise Israel in the same way would not be lost on Hamas. So there were several objectives for Hamas to launch an attack at this time – and possibly a combination of them. Hamas is likely to gain much sympathy from the wider Arab world, but little in the way of material assistance. Hamas’s military operation will likely cause Saudi Arabia to hold back from normalising relations with Israel for now. That said, it’s unlikely any of the Arab states that have signed the Abraham Accords will withdraw from them now in protest over Israeli retaliation against Gaza. <h2>Where the conflict is headed?</h2> Where the conflict is headed is unclear. The Hezbollah militant group in Lebanon has already fired on positions in Israel’s north. But the extent to which it will become seriously involved will depend on its sponsor, Iran. Tehran has generally been seen to want to keep Hezbollah’s considerable rocket and missile strength in reserve in case of an Israeli strike on Iranian nuclear facilities. There is also the question of whether “Lions’ Den” militants in the West Bank will launch their own attacks, effectively creating a third front against Israel. And a possible fourth front could come from attacks on Jewish Israelis by Arab Israelis living in Israel. US President Joe Biden has <a href="https://www.bbc.com/news/world-us-canada-67049196">already promised</a> support for Israel, so there can be little doubt Israel will eventually get on top of these challenges. Netanyahu has warned of a long war, but it may prove reasonably short if Israel goes all out in its retaliation. The main constraint on Israeli action against Gaza will be the fact that an unknown number of Israeli citizens have been kidnapped by Hamas militants and taken to the strip. Indiscriminate Israeli bombing would certainly put those lives at risk. Israel will also be reluctant to put its defence forces in Gaza because of the risk of heavy casualties. However, it may send special forces if it gains intelligence on the whereabouts of its kidnapped citizens. A further risk for Israel in its retaliation is that too brutal an assault on Gaza could turn Western opinion against it. So far, however, Western governments are strongly supportive of Israel and unsympathetic towards Hamas. The overall lesson for Israel is that it has to develop a policy for managing the Palestinians living in the areas it controls. The current situation, in which hardline militants are contained in Gaza, while Israeli forces curtail the actions of Palestinians living in Israel and the West Bank, has suited the Israeli government for many years. It has been able to ignore Arab and international pressure to negotiate a two-state solution or to acquiesce in a <a href="https://theconversation.com/israels-new-government-doesnt-give-palestinians-much-hope-it-could-be-time-for-a-radical-approach-162077">one-state solution</a>. The real significance of Hamas’s operation is that such a non-policy can no longer continue.<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/215248/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/ian-parmeter-932739">Ian Parmeter</a>, Research Scholar, Centre for Arab and Islamic Studies, <a href="https://theconversation.com/institutions/australian-national-university-877">Australian National University</a> Image credits: CNN / X (Twitter) This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/why-did-hamas-attack-and-why-now-what-does-it-hope-to-gain-215248">original article</a>.

Legal

"Safe for now": Hugh Sheridan caught up in horrific Israel attacks

Hugh Sheridan has assured his followers he is "safe for now" after being stuck in Israel at the time Hamas launched a horror attack on the country. The Aussie actor was holidaying in Israel with friends in celebration of the Jewish public holiday Simchat Torah when the attacks broke out, in which Palestinian militant group Hamas launched thousands of rockets from Gaza. Hundreds of people have been killed and a "significant" number of people have been taken captive. Sheridan took to Instagram to share the details of his terrifying ordeal, while reassuring his followers he is safe in the Middle Eastern country. “A few hours ago everyone was living life completely normal in Israel,” Sheridan wrote. “It was a big Jewish holiday yesterday, one week after new year. I met a family who had 150 fly in for their wedding tomorrow. We were at a bbq yesterday with young people who at this very minute are on their way to Gaza to fight." “A few hours later, this country is at war. Their lives have completely changed in an instant. It’s unbelievable how quickly and brutal the attack has been. With no warning. My heart breaks. I’m in the stairwell so safe for now. X love you all.” Sheridan later revealed he was struggling to find a cab to get to the airport to escape the dangerous fighting. “Desperately looking for a cab to the airport to try and get out. The missiles were way too close,” he wrote alongside a video of the “eerily quiet” street. Sheridan again updated his followers to let them know he and his friends had successfully fled the country, and were on a plane to Athens in Greece. Once arriving safely in Greece, Sheridan spoke to Karl Stefanovic and Sarah About on <a href="https://9now.nine.com.au/today/israel-palestine-conflict-australian-actor-hugh-sheridan-narrowly-escapes/59543d35-9e2e-4b29-8861-b18dccfec0ff" target="_blank" rel="noopener">Today</a>, admitting he feels guilty leaving after meeting lots of wonderful people on his trip. "I feel sad I'm not there, I feel guilty for getting out but I knew what we had to do but it's really hard thinking about all the wonderful people that we met and how dramatically their lives have changed in one day," he said. "These are such wonderful people - every single person I have met so far has been called or voluntarily going to fight for their lives and it is just incredible to be in a country that feels very much like Australia and see it change within hours." Since the attacks began on Saturday, at least 600 Israelis have been killed and more than 2000 are injured, according to the country’s media, while the Israeli military confirmed a "significant" number of civilians are being held hostage in Gaza. Israel’s Major General Ghasan Alyan said, “Hamas opened the gates of hell on the Gaza Strip, Hamas made the decision and Hamas will bear the responsibility and pay the price.” Image credits: Instagram <div class="media image" style="caret-color: #000000; color: #000000; font-style: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; orphans: auto; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; text-decoration: none; box-sizing: inherit; margin-bottom: 24px; display: flex; flex-direction: column; align-items: center; width: 705.202209px; max-width: 100%;"> </div>

Travel Trouble

6 reasons why global temperatures are spiking right now

<a href="https://theconversation.com/profiles/andrew-king-103126">Andrew King</a>, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a> The world is very warm right now. We’re not only seeing record temperatures, but the records are being broken by record-wide margins. Take the preliminary September global-average temperature anomaly of 1.7°C above pre-industrial levels, for example. It’s an incredible 0.5°C above the previous record. So why is the world so incredibly hot right now? And what does it mean for keeping our Paris Agreement targets? Here are six contributing factors – with climate change the main reason temperatures are so high. <h2>1. El Niño</h2> One reason for the exceptional heat is we are in a <a href="http://www.bom.gov.au/climate/enso/#tabs=Pacific-Ocean">significant El Niño</a> that is still strengthening. During El Niño we see warming of the surface ocean over much of the tropical Pacific. This warming, and the effects of El Niño in other parts of the world, raises global average temperatures by <a href="https://www.realclimate.org/index.php/archives/2023/01/2022-updates-to-the-temperature-records/">about 0.1 to 0.2°C</a>. Taking into account the fact we’ve just come out of a triple La Niña, which cools global average temperatures slightly, and the fact this is the first major El Niño in eight years, it’s not too surprising we’re seeing unusually high temperatures at the moment. Still, El Niño alone isn’t enough to explain the crazily high temperatures the world is experiencing. <h2>2. Falling pollution</h2> Air pollution from human activities cools the planet and has offset some of the warming caused by humanity’s greenhouse gas emissions. There have been efforts to reduce this pollution – since 2020 there has been an <a href="https://sdg.iisd.org/news/imo-advances-measures-to-reduce-emissions-from-international-shipping/">international agreement</a> to reduce sulphur dioxide emissions from the global shipping industry. It has been speculated this cleaner air has contributed to the recent heat, particularly over the record-warm <a href="https://climate.copernicus.eu/record-breaking-north-atlantic-ocean-temperatures-contribute-extreme-marine-heatwaves">north Atlantic</a> and Pacific regions with high shipping traffic. It’s likely this is contributing to the extreme high global temperatures – but only on the order of hundredths of a degree. <a href="https://www.carbonbrief.org/analysis-how-low-sulphur-shipping-rules-are-affecting-global-warming/">Recent analysis</a> suggests the effect of the 2020 shipping agreement is about an extra 0.05°C warming by 2050. <h2>3. Increasing solar activity</h2> While falling pollution levels mean more of the Sun’s energy reaches Earth’s surface, the amount of the energy the Sun emits is itself variable. There are different solar cycles, but an 11-year cycle is the most relevant one to today’s climate. The Sun is becoming <a href="https://edition.cnn.com/2023/07/14/world/solar-maximum-activity-2024-scn/index.html">more active</a> from a minimum in late 2019. This is also contributing a small amount to the spike in global temperatures. Overall, increasing solar activity is contributing only hundredths of a degree at most to the recent global heat. <h2>4. Water vapour from Hunga Tonga eruption</h2> On January 15 2022 the underwater <a href="https://www.jpl.nasa.gov/images/pia26006-hunga-tonga-hunga-haapai-eruption">Hunga Tonga–Hunga Haʻapai volcano erupted</a> in the South Pacific Ocean, sending large amounts of water vapour high up into the upper atmosphere. Water vapour is a greenhouse gas, so increasing its concentration in the atmosphere in this way does intensify the greenhouse effect. Even though the eruption happened almost two years ago, it’s still having a small warming effect on the planet. However, as with the reduced pollution and increasing solar activity, we’re talking about hundredths of a degree. <figure><iframe src="https://www.youtube.com/embed/6oANPi-SWN0?wmode=transparent&start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe></figure> <h2>5. Bad luck</h2> We see variability in global temperatures from one year to the next even without factors like El Niño or major changes in pollution. Part of the reason this September was so extreme was likely due to weather systems being in the right place to heat the land surface. When we have persistent high-pressure systems over land regions, as seen recently over places like <a href="https://www.theguardian.com/environment/2023/oct/01/autumn-heat-continues-in-europe-after-record-breaking-september">western Europe</a> and <a href="https://www.abc.net.au/news/2023-09-19/australia-weather-september-heat-records-tumble/102870294">Australia</a>, we see local temperatures rise and the conditions for unseasonable heat. As water requires more energy to warm and the ocean moves around, we don’t see the same quick response in temperatures over the seas when we have high-pressure systems. The positioning of weather systems warming up many land areas coupled with persistent ocean heat is likely a contributor to the global-average heat too. <h2>6. Climate change</h2> By far the biggest contributor to the overall +1.7°C global temperature anomaly is human-caused climate change. Overall, humanity’s effect on the climate has been a global warming of <a href="https://www.globalwarmingindex.org/">about 1.2°C</a>. The record-high rate of greenhouse gas emissions means we should expect global warming to accelerate too. While humanity’s greenhouse gas emissions explain the trend seen in September temperatures over many decades, they don’t really explain the big difference from last September (when the greenhouse effect was almost as strong as it is today) and September 2023. Much of the difference between this year and last comes back to the switch from La Niña to El Niño, and the right weather systems in the right place at the right time. <h2>The upshot: we need to accelerate climate action</h2> September 2023 shows that with a combination of climate change and other factors aligning we can see alarmingly high temperatures. These anomalies may appear to be above the 1.5°C global warming level referred to in the Paris Agreement, but that’s about keeping <a href="https://climateanalytics.org/briefings/understanding-the-paris-agreements-long-term-temperature-goal/">long-term global warming</a> to low levels and not individual months of heat. But we are seeing the effects of climate change unfolding more and more clearly. The most vulnerable are suffering the biggest impacts as wealthier nations continue to emit the largest proportion of greenhouse gases. Humanity must accelerate the path to net zero to prevent more record-shattering global temperatures and damaging extreme events.<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/215140/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/andrew-king-103126">Andrew King</a>, Senior Lecturer in Climate Science, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a> Image credits: Getty Images 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/6-reasons-why-global-temperatures-are-spiking-right-now-215140">original article</a>.

Travel Trouble

Fire authorities are better prepared for this summer. The question now is – are you?

<a href="https://theconversation.com/profiles/graham-dwyer-908955">Graham Dwyer</a>, <a href="https://theconversation.com/institutions/swinburne-university-of-technology-767">Swinburne University of Technology</a> Last year, campers had to evacuate <a href="https://www.thegreynomads.com.au/caves-2/">because of floods</a>. This year, they’re evacuating because of fire. Over Victoria’s long weekend, campers and residents in Gippsland had to <a href="https://www.abc.net.au/news/2023-10-01/gippsland-fires-burn-briagolong-loch-sport-erica/102922014">flee fast-moving fires</a>, driven by high winds. The megafires of the 2019–2020 Black Summer came off the back of an earlier El Niño climate cycle. Now, after three years of rain and floods, El Niño is arriving on Australian shores again. With it comes fire weather – hot, dry and windy. The question is – <a href="https://www.thesaturdaypaper.com.au/comment/topic/2023/09/30/climate-change-and-the-fire-season-ahead#mtr">are we ready?</a> Last week, emergency management minister Murray Watt moved to reassure an anxious country. “Australia is much better prepared for this season than we were heading into Black Summer,” he said, <a href="https://www.abc.net.au/news/2023-09-24/australia-better-prepared-for-bushfire-threat-than-black-summer/102895018">speaking after</a> a national summit on disaster preparedness. Yes, authorities are better prepared. But by and large, we as individuals are not. Far too often, Australians think it’s the job of the authorities to be ready, which breeds a false sense of security. <h2>This fire season may pack a punch</h2> The Black Summer bushfires of the 2019–20 summer were a stark reminder of how fire prone Australia is. But they were more than that – they <a href="https://theconversation.com/australias-black-summer-of-fire-was-not-normal-and-we-can-prove-it-172506">were not normal</a>. Around 20% of all of our forests went up in flame. 2019 was the <a href="https://www.newscientist.com/article/2019-2019-was-australias-hottest-and-driest-year-on-record/#:%7E:text=Last%20year%20was%20Australia's%20hottest,are%20the%20worst%20on%20record.">hottest and driest</a> year on record for Australia. But 2023 <a href="https://www.theguardian.com/environment/2023/sep/01/australia-records-warmest-winter-caused-by-global-heating-and-sunny-conditions">may break that record</a>, as climate records topple around the world and extreme weather events multiply. This year is likely to be the hottest on record globally, and next year the record <a href="https://www.climatecouncil.org.au/resources/what-the-return-of-el-nino-means/#:%7E:text=Looking%20ahead%20%E2%80%93%20with%20El%20Ni%C3%B1o,above%20the%20pre%2Dindustrial%20average">may well fall again</a>. Sustained rain from three successive La Niña years has driven widespread vegetation growth across Australia’s 125 million hectares of forest, bush and grasslands. Over the coming weeks, many areas could dry out quickly and become tinder for bushfires. <h2>Climate cycles do give us time to prepare</h2> Australia’s wet-dry climate cycles have one benefit – during wet years, fire authorities get a reprieve. That lets governments, emergency services and the community <a href="https://www.abc.net.au/news/2023-09-22/bushfire-royal-commission-revisited-after-el-nino-weather/102880144">coordinate, plan and prepare</a> for bushfire seasons ahead. That’s why Minister Watt can accurately claim Australia is better prepared. The capacity and capability of our emergency services to predict the spread of fires and issue timely warnings to communities is better than it has ever been. In planning and preparedness for natural hazards such as bushfires and floods, we have seen <a href="https://nema.gov.au/about-us/media-centre/Preparedness-Summit-250923">better integration</a> between government, emergency services, civil and private sector organisations. Planned burning is still a challenge. It’s tough to find the right weather conditions to burn off fuel loads at low intensity, without risking the blaze spreading or threatening property. But these burns are done much more <a href="https://knowledge.aidr.org.au/resources/ajem-october-2020-searching-for-objectivity-in-burning/">strategically these days</a>. Rather than simply aim to hit a target of hectares burned, authorities are now focused on burning fuel in areas where it could endanger lives and damage critical infrastructure during bushfire season. These advances give us good reason for confidence. But not for complacency. Every bushfire is unique. And our fires are, by and large, <a href="https://www.nature.com/articles/s41467-021-27225-4">getting worse</a>. It would be an error to think our investment in <a href="https://reporter.anu.edu.au/all-stories/fighting-fires-from-space-how-satellites-and-other-tech-could-prevent-catastrophic-bushfires">smoke-detecting algorithms and satellite monitoring</a> and the development of the new <a href="https://afdrs.com.au/">Australian Fire Danger Rating System</a> will spare Australia from the loss of life, property and environmental destruction observed during the Black Summer fires. Why? Decades of bushfires have shown even the best preparation can be found wanting on days of severe bushfire danger when firestorms can develop quickly and behave unpredictably. <h2>For Australia to be ready, you need to be ready</h2> While megafires happen – and draw the most headlines – most bushfires are local rather than national events. That means we must prepare at a local level. If you’re faced with a bushfire threat, you have only <a href="https://onlinelibrary.wiley.com/doi/10.1111/1467-8500.12592">two options</a>. You can stay and defend your property – as long as you are physically and mentally prepared, have adequate firefighting resources, and your property is prepared and defensible. Or you can leave early, which means making a judgement call about the best time to go in a calm manner. That doesn’t mean panic – if there is time, it can be possible to do things like clear fuels from around the home and dampen the surrounds to give your house a better chance of surviving undefended. Which should you choose? It depends, in part, on where you live and your personal circumstances. Remember too that most Australians will never experience a bushfire firsthand. Every community has a different risk profile and people and communities vary considerably in their levels of preparedness and planning. If a fire does start and head towards your house, you could be taken entirely by surprise if you have no bushfire plan. To be clear, this is arguably the <a href="https://theconversation.com/how-to-prepare-your-home-for-a-bushfire-and-when-to-leave-50962#:%7E:text=Under%20Catastrophic%20fire%20conditions%20all,of%20bushfires%20and%20their%20unpredictability.">largest gap</a> in Australia’s fire preparedness. <h2>Planning is easy – if done ahead</h2> The question of whether Australia is ready for the fire season should be reframed. The better question is: are Australians ready? The good news is, it’s easier than you think to make a fire plan. As a household, it might take just 10 minutes. Your state or territory government has a website showing you how: <ul> <li><a href="https://www.cfa.vic.gov.au/plan-prepare/before-and-during-a-fire/your-bushfire-plan">Victoria</a></li> <li><a href="https://www.rfs.nsw.gov.au/resources/bush-fire-survival-plan">New South Wales</a></li> <li><a href="https://bushfire-survival-plan.qfes.qld.gov.au/">Queensland</a></li> <li><a href="https://www.cfs.sa.gov.au/plan-prepare/before-a-fire-be-prepared/make-a-plan/5-minute-bushfire-plan/">South Australia</a></li> <li><a href="https://mybushfireplan.wa.gov.au/">Western Australia</a></li> <li><a href="https://esa.act.gov.au/cbr-be-emergency-ready/bushfires/bushfire-ready">Australian Capital Territory</a></li> <li><a href="https://securent.nt.gov.au/prepare-for-an-emergency/fires/bushfires/survival-plans">Northern Territory</a></li> <li><a href="https://www.fire.tas.gov.au/Show?pageId=colbushfirePrepareActSurvive&fbclid=IwAR1mRkwm89K_SlAnUXUm0LYwAQ7Hc8moJ7c9AoNgkmdPVDxxIPx7WMLJzvk">Tasmania</a></li> </ul> Why plan ahead? Because it is vastly better to have a clear plan at your fingertips rather than frantically trying to figure out where your loved ones are, whether it’s too late to leave and whether you could realistically fight the fire – when the fire is on your doorstep. Faced by the reality of fire, many of us can freeze. What firefighters <a href="https://theconversation.com/i-can-still-picture-the-faces-black-saturday-firefighters-want-you-to-listen-to-them-not-call-them-heroes-128632">want us to learn</a> is that the critical decisions and actions which save lives and property in a bushfire are taken by us and our communities, not by politicians or agencies. John Schauble contributed significantly to this article. He has worked extensively in bushfire policy and research at state level and has volunteered for over 40 years as a firefighter.<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/214577/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/graham-dwyer-908955">Graham Dwyer</a>, Course Director, Centre for Social Impact, Swinburne University of Technology, <a href="https://theconversation.com/institutions/swinburne-university-of-technology-767">Swinburne University of Technology</a> Image credits: Getty Images 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/fire-authorities-are-better-prepared-for-this-summer-the-question-now-is-are-you-214577">original article</a>.

Travel Trouble

Why is Rupert Murdoch stepping aside now and what does it mean for the company?

<a href="https://theconversation.com/profiles/andrew-dodd-5857">Andrew Dodd</a>, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a> At age 92, media mogul Rupert Murdoch is <a href="https://www.abc.net.au/news/2023-09-21/rupert-murdoch-steps-down-as-newscorp-chair/102887474">stepping down</a> as chairman of Fox Corporation and News Corp but will stay on in the role of chairman emeritus, presumably to help guide his eldest son Lachlan as the new head of the firm. In many ways, the news was inevitable. The company is clearly planning its succession and how it manages Rupert’s decline. It has one eye on the market and one on ensuring the company maintains its direction. But why now, and where to from here for the company? And what will Rupert Murdoch be remembered for? <h2>Why now?</h2> Rupert’s departure was always going to come in one of two ways: either Rupert dropping off the perch or him leaving on this own terms. He has opted for the latter. This means the company has chosen to manage the transition in a market-favourable way. The transition to Lachlan looks, for the moment, to be well and truly secure. This gives him the chance under the leadership of Rupert to guide the company in the direction he – or Rupert – wants. Rupert says he is in robust health but he was keen to hang on as long as possible. So, perhaps today’s news suggests his health is declining. We can only speculate but the man is, after all, 92. <h2>Would the recent lawsuits have played a role?</h2> Fox has been subject to several very expensive lawsuits in recent years, which caused a lot of turmoil internally. At the cost of US$787.5 million, Fox settled a defamation lawsuit brought by Dominion Voting Systems over baseless claims made about its voting machines in the 2020 US presidential election. A different voting technology company, <a href="https://www.theguardian.com/media/2023/sep/21/rupert-murdoch-fox-news-lawsuits-donald-trump">Smartmatic</a>, is also suing. But I doubt this played a huge role in Rupert stepping down because, in the end, a billion in lawsuits is nothing to a company that a few years ago made $70 billion by selling just some of its assets to <a href="https://www.forbes.com/sites/brianbushard/2023/09/21/fox-and-news-corp-stock-surges-as-rupert-murdoch-steps-down/?sh=37463b772a49">Disney</a>. This is the price the company pays for its take-no-prisoners approach. It is proud of its uncompromising editorial stance, which is designed to pander to its right-wing audience. And there is no indication Lachlan will take it in a different direction. <h2>What next for Lachlan, with Rupert as chairman emeritus?</h2> In a sense, Rupert is not really stepping down. His new papal-like title of chairman emeritus recognises he will struggle to let go. But the new role is also about calming the market and saying, “Don’t worry, I haven’t gone away; I am still here and I have my hand on Lachlan’s shoulder.” The best indication of Lachlan’s future stewardship of News Corp is his recent behaviour. He was at the helm of Fox News during Donald Trump’s presidential years and the immediate aftermath, when Fox News did enormous damage in its reporting on the 2020 election result. He was at the helm when Fox was making those baseless claims about Dominion Voting Systems. He had ample opportunity to guide the company in a different direction, but he didn’t. So I think we can expect News Corp will continue to be the zealous right-wing media company it currently is. <h2>How might this affect the 2024 US election?</h2> News Corp has finally seen what millions of US voters saw at the 2020 election, which was that Trump was ultimately destructive as a leader. Now, outlets like Fox News are umming and ahhing about whether to back him. Some at Fox are clearly reluctant to let go of their adoration of Trump while others are disappointed Florida Governor Ron DeSantis isn’t emerging as a viable challenger. If Trump continues to be the most popular Republican candidate, Fox will probably fall into line and support him, albeit with less enthusiasm than last time. There is a sense of confusion within Fox about whom to back and where to stand, which reflects the chaos in US politics more broadly. <h2>So what’s Rupert’s legacy?</h2> It comes down to a ledger. Has this man done more harm or good in his life in the media? On the good side, he has been a champion of newspapers. He has employed thousands of journalists and his outlets have often practised good public-interest journalism. But I am afraid I believe the good is outweighed by all the harm done on Rupert’s watch. His news media empire is fundamentally antisocial in the way it operates. I believe it’s caused so much harm to so many people along the way, and that cannot go unacknowledged. From the <a href="https://www.latimes.com/world/europe/la-fg-british-scandal-murdoch-20150611-story.html">UK phone hacking scandal</a> and beat ups to <a href="https://www.uts.edu.au/sites/default/files/Sceptical-Climate-Part-2-Climate-Science-in-Australian-Newspapers.pdf">climate denial</a> and the demonisation of minorities, News Corp can be counted on to dumb down complexity, make issues binary and turn one side against the other. He has damaged democracy and civil discourse and journalism itself. The behaviour of News Corp has on occasions been reprehensible, for which I think Rupert must take the blame.<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/214141/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/andrew-dodd-5857">Andrew Dodd</a>, Director of the Centre for Advancing Journalism, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a> This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/why-is-rupert-murdoch-stepping-aside-now-and-what-does-it-mean-for-the-company-214141">original article</a>.

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