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Millions of Aussies to receive cash boost as welfare payments rise

Millions of Australians who rely on welfare payments will receive a much needed cash boost as of Friday, thanks to an indexation boost. Recipients of the age and disability pensions, rent assistance, carer payments, and JobSeeker payments will all receive the increase. Age pensioners, as well as those on the disability pension and carer payments, will see an increase of $28.10 a fortnight for singles and $42.40 a fortnight for couples. This boost will take the total payment per fortnight, including energy supplement, to $1114.40 for singles and $862.60 for each member of a couple. Maximum rates of Commonwealth rent assistance will also be increased by 10 per cent from today, with indexation applied on top, as single recipients, with no children, renting on their own, and receiving the maximum rate will get an additional $23 per fortnight in rent assistance. For families with one or two children, their payment will increase by $27.02 per fortnight. Single JobSeeker recipients with an assessed partial capacity to work of zero to 14 hours per week will move to the higher rate of JobSeeker, receiving $849.50 a fortnight (including the energy supplement and pharmaceutical allowance). "This indexation will deliver timely boosts to people receiving allowance payments and pensions, ensuring that these vulnerable cohorts have more money in their pockets for everyday expenses," Social Services Minister Amanda Rishworth said. A full breakdown of the payment changes <a title="can be found here" href="http://www.dss.gov.au/about-the-department/benefits-payments/previous-indexation-rates" target="_blank" rel="noopener">can be found here</a>. Image credits: Shutterstock

Money & Banking

Readers response: What is one country you'll never go to?

When it comes to travelling, everyone has a list of places they are dying to go to. In the same token, lots of travellers have placed they have no interest of ever seeing. We asked our readers what country they will never go to, and the response was overwhelming. Here's what they said. Kathy Yeo - Saudi Arabia or any other country where women have few rights and are treated as possessions. Irene Dodds - USA. Jim Cormack - Indonesia, in particular Bali. Roz Eberhard-Swan - After 132 countries, I can say that I will never return to Russia, China & Cuba. And will now add Afghanistan to that list. Sadly, the USA also is now out of control with their gun laws and politics so probably unlikely to go back there either. Carole Harris - Russia. I have been and wanted to go back, but never will now. Kath Wilkinson - Afghanistan. Their treatment of women should turn anyone off! Karen Ambrose - Probably America due to their pathetic gun laws. Debra Joy - Spain. I'll never go while they still do bull fighting. Disgusting and abhorrent. George Quinn - Egypt. Never again! After 35 countries, it's the only place I never felt safe. Janice Brigg - Bali. Never been here and it is of no interest to us. There are so many other beautiful other places to visit. So far travelled to 58 counties. Image credits: Shutterstock

Travel Trouble

Heritage Aussie number plate to fetch over a million

A South Australian number plate is expected to sell at auction for over a million dollars. The sought-after No. 8 Plate was first issued in 1906 to Arthur Ernest Ayers, the son of South Australian businessman and politician Sir Henry Ayers, the original owner of the Ayers House in Adelaide. The number plate became available for the first time in February this year, with the online auction going live late last month. Almost 1,700 bids have already been made, with the leading bid as of Monday morning at around $1.32 million with the auction closing at 7pm (local time). “It’s very rare and very special,” Historic Plates auctioneer, Stewart Kay, said. The last time the SA Government issued a single digit number plate was in 1985, when plate No. 7 was sold. “These plates are all about the paperwork, so having a set of number plates hanging in grandad’s shed might not necessary confer ownership.” He added that the plate would likely be sold to a prominent Adelaide businessman for around $1.3 to $1.5 million. This is a record price for a South Australian number plate, with the previous highest being for a SA No. 1 Plate commemorating the Adelaide Grand Prix, which fetched $593,000 in 2020. Kay added that the older the number plate and lower the number, the higher the return expected at auction. “Number plates are a very historic connection back to 120 years ago when they were first issued,” Kay said. “They’re sort of triple threat, they look fantastic on a car, they have a great return in terms of investment and they have a certain level of prestige to them.” Anyone can purchase the rights to a number plate, however the plates can only be affixed to a vehicle that is registered to the state it belongs in. In New South Wales, a No. 1 plate surpassed its $10 million estimate and was sold for $12.4 million in January. Earlier this year, Victoria’s "luckiest" number plate with the number 888-888 sold for an eye-watering $230,000 to an anonymous buyer after it was privately owned for the past 30 years. Image: 7News

Money & Banking

Landmark aged care reforms set to benefit millions of Aussies

The federal government has reached a deal with the coalition for the long-awaited aged care reforms including $4.3 billion for in-home services. This means that senior citizens will be given more support and choice to live their golden years in dignity, as they intend to help them live at home for longer and improve conditions and protections for those in aged care facilities. "$4.3 billion will be invested in Support at Home, to come into effect on the first of July next year," Prime Minister Anthony Albanese announced at Parliament House on Thursday. The Support at Home package is expected to help 1.4 million Australians live independently at home with support, before going into aged care by 2035. It will provide support for nursing, occupational therapy and day-to-day tasks like cleaning, showering, dressing and shopping, with wait times for packages cut from 12 to three months. The government will also pay all of the cost of clinical care services, with a lifetime contribution cap of $130,000 for non-clinical care costs. Those using the Support at Home program could also get $25,000 in aid to spend their final three months at home, instead of the hospital. The $5.6 billion reform package is also set to affect the availability of funding for residential aged care, including a "no worse off" assurance that people currently in aged care won't be asked to pay more for their care. New aged care quality standards will also be implemented to improve the sector and drive higher-quality care. The government also promised more resources to investigate and penalise bad behaviour by providers. Albanese said the reforms will be the "greatest improvement" to the aged care sector in 30 years. “This is about caring for the generation that cared for us,” he said. “We will deliver historic aged care reforms to ensure the viability and quality of our aged care system and support the growing number of older Australians choosing to retain their independence and remain in their homes as they age.” Aged Care Minister Anika Wells said the changes would lead to more services for older Australians. “Our reforms will create better and safer care, help reduce the fear of a system that has been neglected for far too long,” she said. The reform has been welcomed as the number of Australians over the age of 65 is expected to double and those older than 85 are predicted to triple in the next four decades. Images: Shutterstock

Caring

What’s the difference between a heart attack and cardiac arrest? One’s about plumbing, the other wiring

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/michael-todorovic-1210507">Michael Todorovic</a>, <a href="https://theconversation.com/institutions/bond-university-863">Bond University</a> and <a href="https://theconversation.com/profiles/matthew-barton-1184088">Matthew Barton</a>, <a href="https://theconversation.com/institutions/griffith-university-828">Griffith University</a> In July 2023, rising US basketball star Bronny James collapsed on the court during practice and was sent to hospital. The 18-year-old athlete, son of famous LA Lakers’ veteran LeBron James, had experienced a <a href="https://apnews.com/article/bronny-james-cardiac-arrest-3953eee8789e83f3cccfb6dd798bc54e">cardiac arrest</a>. Many media outlets incorrectly referred to the event as a “<a href="https://en.as.com/nba/lebron-james-son-bronny-plays-for-the-usc-trojans-for-the-first-time-since-suffering-a-heart-attack-n/">heart attack</a>” or used the terms interchangeably. A cardiac arrest and a heart attack are distinct yet overlapping concepts associated with the heart. With some background in <a href="https://www.youtube.com/watch?v=uKrgEv7-rVM&t=16s">how the heart works</a>, we can see how they differ and how they’re related. <h2>Understanding the heart</h2> The heart is a muscle that contracts to work as a pump. When it contracts it pushes blood – containing oxygen and nutrients – to all the tissues of our body. For the heart muscle to work effectively as a pump, it needs to be fed its own blood supply, delivered by the coronary arteries. If these arteries are blocked, the heart muscle doesn’t get the blood it needs. This can cause the heart muscle to become injured or die, and results in the heart not pumping properly. <h2>Heart attack or cardiac arrest?</h2> Simply put, a heart attack, technically known as a myocardial infarction, describes injury to, or death of, the heart muscle. A cardiac arrest, sometimes called a sudden cardiac arrest, is when the heart stops beating, or put another way, stops working as an effective pump. In other words, both relate to the heart not working as it should, but for different reasons. As we’ll see later, one can lead to the other. <h2>Why do they happen? Who’s at risk?</h2> Heart attacks typically result from blockages in the coronary arteries. Sometimes this is called coronary artery disease, but in Australia, we tend to refer to it as ischaemic heart disease. The underlying cause in about <a href="https://www.ncbi.nlm.nih.gov/books/NBK507799/#:%7E:text=It%20has%20been%20reported%20that,increases%20beyond%20age%2050%20years.">75% of people</a> is a process called <a href="https://youtu.be/jwL4lkSlvSA?si=H2as7dQkhbIqWWkU">atherosclerosis</a>. This is where fatty and fibrous tissue build up in the walls of the coronary arteries, forming a plaque. The plaque can block the blood vessel or, in some instances, lead to the formation of a blood clot. Atherosclerosis is a long-term, stealthy process, with a number of risk factors that can sneak up on anyone. High blood pressure, high cholesterol, diet, diabetes, stress, and your genes have all been implicated in this plaque-building process. Other causes of heart attacks include spasms of the coronary arteries (causing them to constrict), chest trauma, or anything else that reduces blood flow to the heart muscle. Regardless of the cause, blocking or reducing the flow of blood through these pipes can result in the heart muscle not receiving enough oxygen and nutrients. So cells in the heart muscle can be injured or die. <figure class="align-center zoomable"><a href="https://images.theconversation.com/files/597616/original/file-20240531-17-o2j0w.png?ixlib=rb-4.1.0&q=45&auto=format&w=1000&fit=clip"><img src="https://images.theconversation.com/files/597616/original/file-20240531-17-o2j0w.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/597616/original/file-20240531-17-o2j0w.png?ixlib=rb-4.1.0&q=45&auto=format&w=600&h=338&fit=crop&dpr=1 600w, https://images.theconversation.com/files/597616/original/file-20240531-17-o2j0w.png?ixlib=rb-4.1.0&q=30&auto=format&w=600&h=338&fit=crop&dpr=2 1200w, https://images.theconversation.com/files/597616/original/file-20240531-17-o2j0w.png?ixlib=rb-4.1.0&q=15&auto=format&w=600&h=338&fit=crop&dpr=3 1800w, https://images.theconversation.com/files/597616/original/file-20240531-17-o2j0w.png?ixlib=rb-4.1.0&q=45&auto=format&w=754&h=424&fit=crop&dpr=1 754w, https://images.theconversation.com/files/597616/original/file-20240531-17-o2j0w.png?ixlib=rb-4.1.0&q=30&auto=format&w=754&h=424&fit=crop&dpr=2 1508w, https://images.theconversation.com/files/597616/original/file-20240531-17-o2j0w.png?ixlib=rb-4.1.0&q=15&auto=format&w=754&h=424&fit=crop&dpr=3 2262w" alt="Heart attack vs cardiac arrest" /></a><figcaption>Here’s a simple way to remember the difference. Author provided</figcaption></figure> But a cardiac arrest is the result of heartbeat irregularities, making it harder for the heart to pump blood effectively around the body. These heartbeat irregularities are generally due to <a href="https://www.youtube.com/watch?v=M_soKG-Tzh0&t=903s">electrical malfunctions</a> in the heart. There are four distinct types: <ul> <li> ventricular tachycardia: a rapid and abnormal heart rhythm in which the heartbeat is more than <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC10541285/">100 beats per minute</a> (normal adult, resting heart rate is generally 60-90 beats per minute). This fast heart rate prevents the heart from filling with blood and thus pumping adequately </li> <li> ventricular fibrillation: instead of regular beats, the heart quivers or “fibrillates”, resembling a bag of worms, resulting in an irregular heartbeat greater than 300 beats per minute </li> <li> pulseless electrical activity: arises when the heart muscle fails to generate sufficient pumping force after electrical stimulation, resulting in no pulse </li> <li> asystole: the classic flat-line heart rhythm you see in movies, indicating no electrical activity in the heart. </li> </ul> Cardiac arrest can arise from numerous underlying conditions, both heart-related and not, such as drowning, trauma, asphyxia, electrical shock and drug overdose. James’ cardiac arrest was attributed to a <a href="https://www.espn.com.au/mens-college-basketball/story/_/id/38260006/bronny-james-cardiac-arrest-caused-congenital-heart-defect">congenital heart defect</a>, a heart condition he was born with. But among the many causes of a cardiac arrest, ischaemic heart disease, such as a heart attack, stands out as the most common cause, accounting <a href="https://pubmed.ncbi.nlm.nih.gov/11898927/">for 70%</a> of all cases. So how can a heart attack cause a cardiac arrest? You’ll remember that during a heart attack, heart muscle can be damaged or parts of it may die. This damaged or dead tissue can disrupt the heart’s ability to conduct electrical signals, increasing the risk of developing arrhythmias, possibly causing a cardiac arrest. So while a heart attack is a common cause of cardiac arrest, a cardiac arrest generally does not cause a heart attack. <h2>What do they look like?</h2> Because a cardiac arrest results in the sudden loss of effective heart pumping, the most common signs and symptoms are a sudden loss of consciousness, absence of pulse or heartbeat, stopping of breathing, and pale or blue-tinged skin. But the common signs and symptoms of a heart attack include chest pain or discomfort, which can show up in other regions of the body such as the arms, back, neck, jaw, or stomach. Also frequent are shortness of breath, nausea, light-headedness, looking pale, and sweating. <h2>What’s the take-home message?</h2> While both heart attack and cardiac arrest are disorders related to the heart, they differ in their mechanisms and outcomes. A heart attack is like a blockage in the plumbing supplying water to a house. But a cardiac arrest is like an electrical malfunction in the house’s wiring. Despite their different nature both conditions can have severe consequences and require immediate medical attention.<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/229633/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/michael-todorovic-1210507">Michael Todorovic</a>, Associate Professor of Medicine, <a href="https://theconversation.com/institutions/bond-university-863">Bond University</a> and <a href="https://theconversation.com/profiles/matthew-barton-1184088">Matthew Barton</a>, Senior lecturer, School of Nursing and Midwifery, <a href="https://theconversation.com/institutions/griffith-university-828">Griffith 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/whats-the-difference-between-a-heart-attack-and-cardiac-arrest-ones-about-plumbing-the-other-wiring-229633">original article</a>. </div>

Body

The travel hack giving travellers two holidays in one

When it comes to a long-haul flight, a stopover can be exactly what you need to stretch your legs and recharge before the next leg of your journey. But some eager travellers are getting even more out of their stopovers, by booking a few nights in their stopover destination and effectively getting two holidays in one. The “two-for-one holiday” trend is especially popular for those travelling from Australia and New Zealand, as it takes many, many hours to travel from Oceania to Europe, the US, or basically anywhere else in the world. Rather than looking at layovers as a hassle that just prolongs your journey, data shows that travellers are opting to use them as a way to explore new destinations and extend their holidays. According to data from travel search engine <a href="https://www.skyscanner.com.au/">Skyscanner</a>, there has been a notable uptick in bookings for long-haul flights to destinations such as Istanbul, London, Shanghai, and India. When travelling to Europe or the US, many travellers stopover in Asian cities such as Hong Kong, Bangkok in Thailand, Ho Chi Minh City in Vietnam, or Singapore. Alternatively, many stopovers occur in the UAE and Middle East area, with some flights stopping in Abu Dhabi, Dubai, or even Qatar. It’s easy to book your stopover holiday when booking your flights. Just select your original flight to your final destination, but change your second flight to leave the stopover destination a few days later. Skyscanner's travel expert Cyndi Hui told <a href="https://travel.nine.com.au/latest/holiday-hacks-two-in-one-stopover-destination/9e77c117-3a14-49a0-903f-b9847bc92fe0">9Travel</a> of the travel hack: "With Australia being so far from many global hubs, taking the time to enjoy a stopover instead of rushing through airports allows Australians to truly make the most of their travel experiences". "It's a savvy way to make the most of their travel time, turning what used to be just a stopover into a memorable part of the adventure." Image credits: Shutterstock

Travel Tips

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

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

Home & Garden

What’s a recession – and how can we tell if we’re in one?

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/leonora-risse-405312">Leonora Risse</a>, <a href="https://theconversation.com/institutions/university-of-canberra-865">University of Canberra</a> Today’s <a href="https://www.abs.gov.au/statistics/economy/national-accounts/australian-national-accounts-national-income-expenditure-and-product/latest-release">economic data</a> shows that, outside of the pandemic, the Australian economy has slowed down to its lowest annual rate of growth since the early-1990s recession. That’s prompting the dreaded question: are we headed for another one? Any mention of the “R” word can trigger anxiety. Recessions bring job losses and financial strain, and put serious pressure on people’s mental health. These impacts can be especially severe for people who are already experiencing disadvantage and vulnerabilities. But what exactly does it mean to be in a recession? What are the different ways we define them? And are these current approaches the best way to measure people’s economic pain? <h2>What’s a recession?</h2> A bit like the waves of the ocean, our economy is characterised by ebbs and flows in overall activity. Spending and business growth can swell during times of confidence, but slow down when optimism deflates or the economy is hit by an unexpected shock such as a pandemic or climate disaster. This pattern is what economists describe as “the business cycle”. Most of the time, our economy is constantly growing, even if the pace varies. Conventionally, we measure this pace by tracking changes in the level of <a href="https://www.rba.gov.au/education/resources/explainers/economic-growth.html">gross domestic product</a> (GDP) – the overall volume of items and services being produced, bought and sold in the economy. The <a href="https://www.abs.gov.au/statistics/economy/national-accounts/australian-national-accounts-national-income-expenditure-and-product/jun-2024">latest economic growth rates</a> of 0.2% for the June quarter, and 1% over the past year, tell us that the Australian economy is still growing, even if at a slower pace than previous years. Occasionally, the economy slows down to such a grind that economic activity, from one quarter to the next, shrinks. When this happens, the GDP measurements come out negative. When we have two negative measurements of GDP in a row, this is defined as a <a href="https://www.rba.gov.au/education/resources/explainers/recession.html">technical recession</a>. This is what happened to most countries around the globe during the COVID-19 pandemic. Prior to the pandemic, Australia hadn’t experienced a technical recession since 1991. The latest figures tell us Australia is staying afloat for now. But that doesn’t mean it doesn’t feel like a recession to many people. Some other metrics show why. <h2>Other measures of recession</h2> Growth in economic activity is fuelled, in part, by a growing population. Dividing total economic output by the population size, GDP per capita can offer a more accurate picture of people’s economic reality. This population-adjusted measure of economic growth has long fallen into negative territory. Today’s figures tell us that Australia’s GDP per person has been shrinking for 18 months. Our annual per capita growth rate is now -1.5%. <figure class="align-right zoomable"></figure> In the United States, recessions are measured differently again. Recessions are officially declared by the National Bureau of Economic Research (<a href="https://www.nber.org/research/business-cycle-dating">NBER</a>). Unlike technical recessions, these aren’t based on a simple rule. NBER considers a range of measures beyond GDP – including personal income, employment, personal consumption, wholesale and retail sales, and industrial production across multiple sectors – when deciding whether to declare a US recession. <h2>Is Australia heading for a recession?</h2> This is a challenging question to answer because the GDP figures economists conventionally use to diagnose the situation only come to light after a recession hits. Today’s economic figures from the ABS are for the June 2024 quarter – now more than two months old. Measurements of the current economic climate won’t come through in official statistics for some time. If it occurs, by the time a recession is officially diagnosed, we’re usually well and truly in it. A similar limitation applies to the retrospective approach of the <a href="https://www.nber.org/research/business-cycle-dating">NBER</a>, which “waits until it is confident that a recession has occurred”. It’s like a weather forecaster declaring a cyclone has hit only after the wind gusts have blown your roof away. But we can use other metrics to alert ourselves to recession risks before the eye of the storm hits. <h2>Using jobs numbers as a recession alert</h2> One approach is the <a href="https://fred.stlouisfed.org/series/SAHMCURRENT">Sahm Rule</a>, named after its creator, US economist Claudia Sahm. By analysing patterns in the monthly unemployment data that preceded past recessions, Sahm devised a <a href="https://stayathomemacro.substack.com/p/the-sahm-rule-step-by-step">formula</a> to detect when increases in the current unemployment rate were rapid enough to pose a recession risk. The advantage of this approach is that unemployment statistics come out more quickly and frequently than GDP numbers. Many would also argue that monitoring unemployment, rather than GDP, is a more meaningful metric to reflect people’s everyday experiences of the economy and wellbeing. The Sahm approach tracks how quickly the national unemployment rate is currently rising compared to the past year. It’s calculated by comparing the current three-month moving average of the national unemployment rate to this figure’s lowest value in the previous 12 months. This “moving average” approach smooths out the bumpiness of monthly figures. A jump of 0.5% or more signals the economy’s current pattern is on the cusp of recession. While the Sahm formula was developed for the US economy, it does a fairly good job of waving a red flag where recessions previously occurred in the Australian economy, too. Australia’s latest unemployment rate – inching up to 4.2% in July 2024 – pushed the Sahm value up to 0.5%. <iframe id="3d239" class="tc-infographic-datawrapper" style="border: 0;" src="https://datawrapper.dwcdn.net/3d239/5/" width="100%" height="400px" frameborder="0" scrolling="no"></iframe> This indicator doesn’t necessarily mean that a recession will occur. But it suggests policymakers should be on high alert. The Sahm indicator also validates the experiences of job seekers who – despite official definitions that the economy is not in recession – are personally feeling the pressures of a slowing economy and shrinking job opportunities. As our approaches to measuring and managing the ups and downs of the economy continue to evolve, these people-centred metrics are an increasingly important part of our toolkit.<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/238199/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/leonora-risse-405312">Leonora Risse</a>, Associate Professor in Economics, <a href="https://theconversation.com/institutions/university-of-canberra-865">University of Canberra</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/whats-a-recession-and-how-can-we-tell-if-were-in-one-238199">original article</a>. </div>

Money & Banking

Millions warned over huge change to speed cameras

For years, drivers in New South Wales have relied on the point-to-point speed camera rule, which only captures the speed of heavy vehicles, but that rule is set to change as part of a new trial as the state attempts to lower their death toll. The point-to-point, also known as average speed cameras are set to be turned on for all vehicles in two regional locations during the trial. The first location will be 15-kilometre stretch on the Pacific highway between Kew and Lake Innes in Port Macquarie, and the second location will be on the Hume Highway between Coolac and Gundagai, with 16km between the two cameras. “NSW is the only jurisdiction in the world to use average speed cameras but restrict their use to heavy vehicles only,” Roads Minister John Graham said. “In the context of a rising road toll, now is the time to trial these cameras for light vehicles and understand if we can keep more people safe on the road more of the time.” He added that all other states in Australia, as well as the UK and Norway have found the average speed cameras to be effective. “All other mainland Australian states and countries like the UK, Norway, Italy and the Netherlands have found average speed cameras to be effective and we aim to be as rigorous as possible to be sure they will also reduce road trauma in NSW.” “Rather than test your speed at a particular point in time, like a mobile speed camera, these test the speed you’re driving over 15 or 16 kilometres,” he said. “That means it’s a truer reflection of how quickly people are driving.” He added that the trial is focused on regional NSW as it has suffered a disproportionate amount of road fatalities, with six road deaths and 33 serious injuries between 2018 and 2022. “Although only a third of people live in regional New South Wales, that’s where two thirds of the deaths from road crashes happen," he said. Speeding contributed to 44 per cent of NSW road fatalities last year, three-quarters of which were in the regional parts of the state. The trial will run for six months, and for those caught speeding, they will be given a 60-day warning letter period, before financial and licence penalties kick in. Images: news.com.au

Legal

Cash boost for millions of Aussies as indexation kicks in

Millions of Australians are set to get a cash boost within weeks as the Services Australia payments are indexed on top of additional increases to Rent Assistance payments, with the changes coming into effect on September 20 The indexation will be applied to a range of pensions and payments including the Age Pension, Disability Support Pension and Carer Payments, Commonwealth Rent Assistance, JobSeeker, and Parenting Payments. The indexation increases of up to $41.50 a fortnight will vary based on the payments. Centrelink JobSeeker recipients will receive an extra $71.20 per fortnight. “Single JobSeeker Payment recipients with an assessed partial capacity to work of 0 to 14 hours per week will move to the higher rate of JobSeeker, receiving $849.50 a fortnight,” the Department of Social Services said. The maximum rates of Commonwealth Rent Assistance will be increased by 10 per cent. For families with one or two children, he Rent Assistance fortnightly payment will increase by $27.02. Single age pensioners will see an increase of $28.10 to their fortnightly payments, and recipients in a couple will receive a combined $42.40 increase to their payments. The same increase will apply to the Disability Support Pension and Carer Payment. Single recipients receiving the fortnightly Parenting Payment will receive a $19.80 increase, while single recipients without children will get a $15.30 boost. Image: Shutterstock

Money & Banking

Why aren’t the Olympics and Paralympics combined into one Games? The reasoning goes beyond logistics

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/laura-misener-992664">Laura Misener</a>, <a href="https://theconversation.com/institutions/western-university-882">Western University</a> As the lights go out on an outstanding Olympic Games in Paris, with <a href="https://www.cbc.ca/mediacentre/press-release/7-in-10-canadians-tune-in-for-paris-2024">record-breaking media attention</a> and <a href="https://olympic.ca/press/paris-2024-team-canada-brings-home-historic-medal-haul/">excellent medal results for Team Canada</a>, it’s important to remember the Games aren’t over — it’s just the halfway mark. While the closing ceremonies on Aug. 11 seemed like the end of the event with the <a href="https://www.ctvnews.ca/sports/as-the-olympic-flame-heads-for-los-angeles-what-can-we-expect-from-the-2028-games-1.6997247">official handover to Los Angeles for the 2028 Summer Games</a>, the 2024 Games are really just on pause. This two-week break between Olympic and Paralympic Games isn’t a respite at all. Paris is now getting ready to host the Paralympic Games, which will <a href="https://olympics.com/en/paris-2024/information/competition-schedule-for-the-paralympic-games">begin on Aug. 28 with the opening ceremony</a>. In two weeks, a whole new set of elite international athletes will descend on Paris for the <a href="https://olympics.com/en/sports/paralympic/">third largest sporting event</a> in the world. Canada will be sending <a href="https://paralympic.ca/news/team-of-126-canadian-athletes-set-to-compete-at-paris-2024-paralympic-games/">126 athletes to the Paris Paralympics</a> to compete in 18 sports. Staff will be working hard to set up venues for the Paralympic sports. This means tearing down some temporary venues and putting up others that facilitate accessibility for Paralympic sports, athletes and their entourage. Transforming <a href="https://olympics.com/en/paris-2024/the-games/village">the village</a>, which housed just over 14,000 athletes and team personnel for the Olympics, to get it ready for the 8,000 para athletes and staff for the Paralympic Games is no simple feat. <h2>A logistical nightmare</h2> At this juncture, the question often arises as to why the Olympics and Paralympics aren’t combined together into one Games. The reasoning behind the decision is more complicated than it might appear. In 2001, the International Olympic Committee and the International Paralympic Committee signed the <a href="https://www.paralympic.org/feature/2-historic-one-bid-one-city-agreement">One Bid, One City</a> agreement to protect the interests of the Paralympic Games. The agreement requires host cities to stage both the Olympic and Paralympic Games using the same venues, facilities and infrastructure. This also unites the two sporting movements. The sheer size of such an event would make it impossible for almost any city to host a single combined Olympic and Paralympic Games. Consider the logistics of an event that would include approximately 15,000 athletes over 50 sporting disciplines. In the current iteration, there are already 15 cities outside of Paris playing host to events. For instance, sailing was <a href="https://olympics.com/en/paris-2024/venues/marseille-marina">held in Marseille</a>, shooting was <a href="https://olympics.com/en/paris-2024/venues/chateauroux-shooting-centre">held in Châteauroux</a> and the rowing and canoe-kayak events were <a href="https://olympics.com/en/paris-2024/venues/vaires-sur-marne-nautical-stadium">held in Vaires-sur-Marne</a>. Even a city with the resources and infrastructure of Paris could not, and would not, host an event of that size. Combining the games would necessitate a change in structure, and inevitably sports — likely Paralympic sports — would be dropped. Hence the two-week break between Games. <h2>Paralympics deserve their own spotlight</h2> The discussion about the separation of the two events goes much deeper than logistical concerns. Some supporters of the Paralympic Games see the need and value for a <a href="https://time.com/7004176/olympic-paralympic-games-separate/">separate event</a> that showcases and highlights elite athletes with disabilities. IPC President Andrew Parsons, for example, argues that hosting the Paralympic Games separately <a href="https://www.insidethegames.biz/articles/1147694/merging-olympic-and-paralympic-games">focuses on their broader mission</a> of drawing attention to “issues of disability rights, accessibility, and broader areas of inclusion for the legacy of the event.” The distinct Paralympic event showcases the elite performances of Para athletes, giving them the attention and celebration deserved. All too often, Para athletes’ successes are overshadowed by the <a href="https://doi.org/10.1177/21674795221103410">tendency of media to prioritize non-disabled athletes</a>, often marginalizing or overlooking the achievements of athletes with disabilities. The challenge, then, is for the host city to maintain the momentum from the Olympics and ensure Paralympic athletes receive the recognition they deserve for their sporting successes. The Canadian Paralympic Committee launched their <a href="https://paralympic.ca/games/paris-2024/">Greatness Moves Us</a> campaign recently to highlight the stories of excellence of Paralympic athletes and galvanize support and viewership. <h2>A lasting legacy</h2> Ultimately, the Paralympic Games showcase elite sporting excellence in a way that no other event does. But the Games are about so much more — championing inclusion, disability rights and a lasting legacy of social change. Paris is an example of a city that has stepped up to the challenge. It put <a href="https://www.nytimes.com/2024/05/06/travel/paris-olympics-accessibility-disabled.html">accessibility at the centre of its bid</a>, knowing full well the challenge ahead of them in the historic city. Leading into the Games, the city has made good on <a href="https://www.insidethegames.biz/articles/1147595/paris-accessibility-paralympics-games">many promises around accessibility</a> and increasing opportunities for people with disabilities. The city upgraded the overground transportation network by adding fully accessible bus and tram lines, and introduced 1,000 accessible taxis. They also tackled some challenging tasks, such as upgrading historic venues into accessible sporting spaces. More than €10 million was allocated to improve the accessibility of six major sports facilities, including the <a href="https://www.paris.fr/en/pages/georges-vallerey-swimming-pool-reopens-after-renovation-work-27046">Georges Vallerey swimming pool</a> and the <a href="https://www.paris.fr/en/pages/the-pierre-de-coubertin-stadium-has-been-renovated-for-the-olympic-games-27211">Pierre de Coubertin stadium</a>. The aim is to sustain the momentum, not only between the Olympic and Paralympic Games, but long after they conclude, with the goal of creating a more <a href="https://olympics.com/en/paris-2024/our-commitments/promoting-the-role-of-sports/more-inclusive-society">inclusive society</a> in France. Leading up to the start of the Paralympics, there is some concern about whether the momentum will be there from a viewership perspective and spectators in the stands. The Tokyo 2020 Paralympic Games set records for viewership in a Games that was largely devoid of spectators in the stand due to the COVID-19 pandemic. American <a href="https://www.wkar.org/wkar-news/2022-01-17/opinion-sports-are-a-shared-human-experience-bringing-us-joy-and-drama-so-it-is-time-to-appreciate-the-paralympics-on-par-with-the-olympics">television network NBC</a> reported 15.5 million viewers per night for the 2020 Olympic Games, in contrast to 14 million viewers in total for the 2020 Paralympic Games. But many of us will be looking more at the momentum of the event to be a catalyst for inclusion, access and opportunity beyond the events. Once all the lights go out on the Games, it is the lasting legacy of social change that will be the ultimate judge of the success of both the Olympic and Paralympic Games.<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/236670/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/laura-misener-992664">Laura Misener</a>, Professor & Director, School of Kinesiology, <a href="https://theconversation.com/institutions/western-university-882">Western University</a> Image credits: ALI HAIDER/EPA-EFE/Shutterstock Editorial 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-arent-the-olympics-and-paralympics-combined-into-one-games-the-reasoning-goes-beyond-logistics-236670">original article</a>. </div>

International Travel

$79 million in toll rebates yet to be claimed

Toll rebates worth $79 million are yet to be claimed by motorists in New South Wales, with some drivers eligible to receive thousands of dollars in refunds. Around 350,000 motorists across Sydney can claim back their toll spending according to new state government data, following the introduction of the toll cap scheme earlier this year. The scheme has reduced the amount motorists have to pay to a maximum of $60 on roads, and to date it has given back $39 million to motorists, largely from Sydney's west. Government figures show drivers in Auburn receiving the biggest average toll relief of $554, followed by motorists in Lakemba with $513. Motorists in Wiley Park had an average toll rebate of $461, while the average rebate for all NSW drivers is around $254. There remains $79 million to be claimed by motorists from tolled trips since the beginning of this year. Drivers who spend more than $60 and less than $400 per week can have their tolls refunded through the scheme. Toll costs over $400 can be partially refunded. Motorists can claim up to a maximum of $340 per week for each tag or licence plate. Claims can be made quarterly for drivers who have linked their e-tag to their Service NSW accounts and motorists have until the end of June 2025 to claim their rebates. Image: Nine News

Domestic Travel

The gift of a lifetime: How one busy mum found peace of mind and left a lasting legacy

Anita lives in Sydney with her husband and three sons. She recently chose to include a gift to Lifeline Australia when writing her Will with an online Will-writing service called <a href="https://www.gatheredhere.com.au/c/lifeline-au?gh_cuid=Oxs_YC7byb&gh_cch=%40campaign%2Fchannel%2Fnews" target="_blank" rel="noopener">Gathered Here</a>. “My Will has been in the making for the last five years and it has always been pushed down on the prioritisation list due to the high cost of seeing a solicitor and us being a very busy family with young kids,” says Anita. “When I found out about Gathered Here, I thought I may as well check it out, and after 10 minutes I had a Will! The process was simple and straightforward without any complicated legal jargon to cut through. “Within the Will-writing process, summarising my wishes was an important and practical step for me. I want to ease the situation for my loved ones I leave behind by providing emotional and financial certainty in a time of confusion and grief. “There is also an opportunity to nominate and leave gifts to my favourite charities. I have three young boys and having some insight into the mental health challenges in Australia made my decision of allocating a portion of my estate to Lifeline Australia very easy. “Seeing an organisation like Lifeline continuously dedicate their effort, time and professionalism at the highest level to ensure that no one is ever alone in crisis provides me with hope of a better world for my children.” Lifeline is a national charity providing people in Australia experiencing emotional distress with access to 24-hour crisis support and suicide prevention services. Tragically, over 3,000 people in Australia lose their lives to suicide every year. This year, Lifeline will receive well over 1 million contacts from people in crisis. Every 30 seconds, someone in Australia reaches out to Lifeline. Lifeline exists to ensure that no person in Australia has to face their toughest moments alone, and believes that through connection, hope can be found. Lifeline Australia has partnered with Gathered Here to offer you the opportunity to <a href="https://www.gatheredhere.com.au/c/lifeline-au?gh_cuid=Oxs_YC7byb&gh_cch=%40campaign%2Fchannel%2Fnews" target="_blank" rel="noopener">write your Will online for free</a> this Include a Charity Week, which runs from the 2nd – 8th September and is dedicated to raising awareness of how anyone can make a lasting impact to causes that they care about with a gift in their Will. You’ll also be able to make free and unlimited changes to your Will for life. Gathered Here provides end-of-life services through probate, funerals and online Wills. They are supported by an in-house legal team of highly experienced Wills and estate lawyers who have reviewed and vetted the Will writing process. Gathered Here's online Will-writing service allows you to appoint guardians for your children and pets, set out how you want to divide your estate and leave gifts to charities that mean the most to you - like Lifeline. After you've provided for those closest to you, <a href="https://www.gatheredhere.com.au/c/lifeline-au?gh_cuid=Oxs_YC7byb&gh_cch=%40campaign%2Fchannel%2Fnews" target="_blank" rel="noopener">leaving a gift to Lifeline Australia is a lasting and meaningful way that you can have an impact for years to come</a>. You will be helping to prevent suicide and save lives in future generations. Gifts in Wills make a phenomenal difference to charities, including Lifeline. This is why a growing number of people understand that once they have provided for their loved ones, leaving a gift in their Will is one of the most powerful ways they can support Lifeline, without incurring any financial costs during their lifetime. If you would like to learn more, please do not hesitate to get in touch with Lifeline Australia’s Gifts in Wills Specialist Abi Steiner via email at <a href="mailto:giftsinwills@lifeline.org.au" target="_blank" rel="noopener">giftsinwills@lifeline.org.au</a> or phone on 02 8099 1974. If you, or someone you know, are feeling distressed or overwhelmed, we encourage you to connect with Lifeline in the way you feel most comfortable. For 24/7 crisis support, you can phone Lifeline to speak to a Crisis Supporter on 13 11 14, text 0477 131 114, chat to Lifeline online or access the Support Toolkit to self-manage what you’re going through at <a href="http://www.lifeline.org.au/" target="_blank" rel="noopener">www.lifeline.org.au</a>. This is a sponsored article produced in partnership with Lifeline Australia. Image: Lifeline Australia

Money & Banking

Expert's number one complaint against grey nomads

An Aussie farm contractor has taken aim at "entitled" travellers at campsites, many of whom are "grey nomads". Victoria, aged in her 30s, spends a lot of time on the road travelling for work as she "runs the bar and does a bit of camp hosting" at Charlotte Plains, an outback sheep station and campground almost 800 kilometres west of Brisbane. Through her job, Victoria said most of her clientele at the campsites are over the age of 50, and she claims most of her problems are with these older travellers. Although she "doesn't want to generalise too much", she does "feel the need to speak out about them" so the younger generation "know what not to do" and become "better people". Speaking to <a href="https://au.news.yahoo.com/the-game-changing-trend-taking-over-australian-4wd-camping-sites-021745171.html" target="_blank" rel="noopener">Yahoo News Australia</a>, Victoria said in addition to their "general sense of entitlement", grey nomads, in her experience, had a tendency to "mansplain" issues she's acutely aware of, flout campsite rules, disregard safety policies and even resort to stealing from her. "I've experienced a lot with grey nomads," she told Yahoo. "I've worked on farms for years. I'm very experienced with operating machinery. I drive my caravan well, a lot better than a lot of these guys, some of whom even need help reversing." "But I guess the biggest issue I find is handling grey nomads, in particular is theft. I travelled South America in my 20s, and the only thing that ever went missing was a jar of Vegemite. Let me tell you, if my stuff is not nailed down, with grey nomads around — they've stolen it." Victoria said it's "more than just toilet paper" that goes missing at campsites, recalling, "It will be hose fittings that are still on the hose. It could be a whole hose. A grey nomad stole my jockey wheel the other day — it's travelled the whole country in the same spot, and then the other day somebody sole it. Even my sunglasses." "I don't want to categorise all baby boomers into one, but it's just that these are the people that I deal with," she argued, adding "there are bad people in every generation" but she says she rarely encounters badly behaved travellers under 40. While Victoria says she doesn't want to over-generalise, she's been astounded by some of the disrespectful actions she's seen at the hand of the elderly travellers. Speaking out in a bid to raise awareness of campsite safety and to deter young people from "acting like baby boomers", Victoria said she hopes by making her ordeals public it'll promote more courtesy from grey nomads in the future. "The next generation is growing up fast," she said. "Hopefully the younger ones don't do the same things and are bit more courteous to others". Image credits: TikTok

Travel Trouble

Sorting a loved one’s finances after their death – what you need to know

<div class="theconversation-article-body"> <a href="https://theconversation.com/profiles/kate-reed-1548385">Kate Reed</a>, <a href="https://theconversation.com/institutions/university-of-sheffield-1147">University of Sheffield</a> Financial anxiety is often talked about, but rarely in the context of bereavement. Following the death of a loved one, relatives usually have to complete a range of financial “death administration” tasks. These can be anything from closing bank accounts and settling utility bills to managing probate (things like property sales, asset management and inheritance distribution). The <a href="https://bereavementcommission.org.uk/media/xube5elb/ukbc_summary_report_low-res.pdf">UK Commission on Bereavement</a> has estimated that 61% of adults struggle to deal with such time consuming and time sensitive administrative responsibilities. While research has begun to shed light on some of the financial difficulties bereaved people can face after the death of a <a href="https://bmcwomenshealth.biomedcentral.com/articles/10.1186/s12905-015-0194-1">spouse</a> or a <a href="https://onlinelibrary.wiley.com/doi/abs/10.1111/1468-4446.12190">family member</a>, the emotional toll of navigating financial admin after bereavement remains <a href="https://www.bereavementjournal.org/index.php/bcj/article/view/1114">largely invisible</a>. But the good news is there are several resources that can help bereaved people to navigate these processes, including the UK government’s own <a href="https://www.gov.uk/when-someone-dies">step-by-step guide</a>. We conducted <a href="https://thenbs.org/partnerships/death-admin-research-report">research</a> on death admin in collaboration with the <a href="https://thenbs.org/">National Bereavement Service</a>, an organisation that provides free practical and emotional support for anyone who has lost a loved-one. The study showed how government services provide a gateway to sorting out a range of financial issues. Financial organisations require proof of the death through a death certificate. This is provided when you <a href="https://www.gov.uk/when-someone-dies">register</a> a death with the local registrar of births, marriages and deaths. Where there is an inquest, an interim death certificate will be issued. Often, multiple copies of the death certificate are needed. And, at £12.50 for <a href="https://www.gov.uk/order-copy-birth-death-marriage-certificate">each copy</a> (£12 in <a href="https://www.mygov.scot/birth-death-marriage-certificate#:%7E:text=You%20can%20order%20a%20certificate,orders%20made%20in%20another%20way.">Scotland</a>), the financial burden falling on bereaved people can quickly grow. In terms of tax, pensions and benefits, the registrar provides a unique reference number that bereaved people can use to inform the government through a service called <a href="https://www.gov.uk/after-a-death/organisations-you-need-to-contact-and-tell-us-once">Tell Us Once</a>. This is an initiative that notifies national and local government bodies including HM Revenue and Customs (to deal with personal tax and to cancel certain benefits and tax credits) and the Department for Work and Pensions (to cancel benefits and entitlements like universal credit or the state pension). The <a href="https://www.gov.uk/valuing-estate-of-someone-who-died?step-by-step-nav=4f1fe77d-f43b-4581-baf9-e2600e2a2b7a">government website</a> also provides help on how to value the person’s estate and work out inheritance tax. <h2>Avoiding family fall-outs</h2> But other financial aspects of death administration can be more challenging to navigate. Probate, for example, is the legal right to deal with someone’s property, money and possessions (their “estate”) when they die. You can <a href="https://www.gov.uk/applying-for-probate?step-by-step-nav=4f1fe77d-f43b-4581-baf9-e2600e2a2b7a">check</a> on the UK government website whether you require probate. It remains one of the most challenging aspects of death administration. Our <a href="https://thenbs.org/partnerships/death-admin-research-report">research</a> shows that people often seek legal advice to manage probate because they are scared to get things wrong, or because they want to avoid future disputes with family members. The process of closing bank accounts and managing assets can be straightforward when the deceased person had made clear arrangements and had few bank accounts. But financial concerns often arise in situations where there are multiple or complicated banking systems. As one of the participants in our research stated: “It’s been a real mess … my dad had quite a few properties, and it’s been quite difficult winding those down.” Worse still, bereaved people can face threatening letters from companies like utilities providers in relation to bills and closing accounts. We found organisations often lack compassion in this context. We encountered cases of companies continuing to write directly to the deceased person, causing further distress to their loved-ones. One of our participants told us that their stepmother was “still getting the bill with my father’s name on, which distresses her”. It is also worth noting that certain types of death present particular administrative and financial challenges. For example, in 2022 17% of deaths in England and Wales were subject to a <a href="https://www.gov.uk/government/statistics/coroners-statistics-2022/coroners-statistics-2022-england-and-wales#inquests-opened">coroner’s inquest</a>. These deaths can be more difficult to administer on the Tell Us Once initiative due to the time-lag and extra bureaucracy involved. In addition, many people die without a will, which usually makes navigating financial issues much harder. The location of the death can also have financial implications. For example, our <a href="https://www.bereavementjournal.org/index.php/bcj/article/view/1114">research</a> shows how financing a care home stay is usually interconnected with inheritance or selling the person’s house, which places extra pressure on those trying to release the funds. Many organisations could make their administrative processes clearer and train their staff to be more compassionate towards people who have recently been bereaved. There are, however, glimmers of hope that things are improving. My own father died last year and while my experiences of helping my mum deal with the financial aspects of death administration have been mixed, we did experience many acts of kindness and compassion along the way. There is also excellent practical guidance out there from organisations like the <a href="https://thenbs.org/">National Bereavement Service</a>, which along with emotional support from charities like <a href="https://www.cruse.org.uk/">Cruse Bereavement Support</a> are vital to helping people navigate complex administrative systems. The COVID pandemic and death of the queen in 2022 have likely meant that, as a society, we are talking more about death and grief both publicly and privately. Death and bereavement happen to us all, and it is crucial that we talk more openly, not just about our emotional concerns, but about the practical and financial implications too.<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/231967/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/kate-reed-1548385">Kate Reed</a>, Professor of Sociology and Director of the Sheffield Methods Institute, <a href="https://theconversation.com/institutions/university-of-sheffield-1147">University of Sheffield</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/sorting-a-loved-ones-finances-after-their-death-what-you-need-to-know-231967">original article</a>. </div>

Money & Banking

Readers response: What is one holy grail item you always pack on a holiday?

When it comes to packing for a holiday, everyone has that one special item that they make sure they have packed safely. Sometimes that one must-have thing can mean the difference between a good and bad holiday. We asked our readers what their holy grail travel item is, and the responses were overwhelming. Here's what they said. Wendy Parsons - Small fold-up umbrella. Antoinette Devlin - Definitely my phone and kindle. Lorraine Lenthall - Gym shoes. June Debono - My bunny called Dude. I'm a Grandma and he goes everywhere with me. A well travelled rabbit! Anita Thornton - My down pillow! Gail Morgan - Champagne sealer. Helen Holt - My crafts! Sewing, crocheting and knitting. Sue Perryman - Vegemite. Kathie Kirsop - Ear plugs because you never know who’s going to be your neighbour. Meg Hallissy - A sarong. Very versatile! Felicity Jill Murphy - A torch. I always pack a torch that has fresh batteries in it. Sue Bailey - Lots! Phone, charger, knee pillow, head pillow (chiro approved), folding foot stool. Chris Ballard - Comfy shoes. Carol Hanson - Lots of books. Juliet Vance - Everything I can think of. Image credits: Shutterstock

Travel Trouble

What’s the difference between ‘strep throat’ and a sore throat? We’re developing a vaccine for one of them

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/kim-davis-1535254">Kim Davis</a>, <a href="https://theconversation.com/institutions/murdoch-childrens-research-institute-1027">Murdoch Children's Research Institute</a>; <a href="https://theconversation.com/profiles/alma-fulurija-1535255">Alma Fulurija</a>, <a href="https://theconversation.com/institutions/telethon-kids-institute-1608">Telethon Kids Institute</a>, and <a href="https://theconversation.com/profiles/myra-hardy-1535253">Myra Hardy</a>, <a href="https://theconversation.com/institutions/murdoch-childrens-research-institute-1027">Murdoch Children's Research Institute</a> the time of the year for coughs, colds and sore throats. So you might have heard people talk about having a “strep throat”. But what is that? Is it just a bad sore throat that goes away by itself in a day or two? Should you be worried? Here’s what we know about the similarities and differences between strep throat and a sore throat, and why they matter. <h2>How are they similar?</h2> It’s difficult to tell the difference between a sore throat and strep throat as they look and feel similar. People usually have a fever, a bright red throat and sometimes painful lumps in the neck (swollen lymph nodes). A throat swab can help diagnose strep throat, but the results can take a few days. Thankfully, both types of sore throat usually get better <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC8655103/">by themselves</a>. <h2>How are they different?</h2> Most sore throats are caused by viruses such as common cold viruses, the flu (influenza virus), or the virus that causes glandular fever (Epstein-Barr virus). These viral sore throats can occur at any age. Antibiotics don’t work against viruses so if you have a viral sore throat, you won’t get better faster if you take antibiotics. You might even have some unwanted <a href="https://www.ncbi.nlm.nih.gov/books/NBK401243/#:%7E:text=People%20may%20then%20wonder%20whether,infection%2C%20such%20as%20bacterial%20tonsillitis.">antibiotic side-effects</a>. But strep throat is caused by Streptococcus pyogenes bacteria, also known as strep A. Strep throat is most common in <a href="https://www.tandfonline.com/doi/full/10.2217/fmb-2021-0077">school-aged children</a>, but can affect other age groups. In some cases, you may need antibiotics to avoid some rare but serious complications. In fact, the potential for complications is one key difference between a viral sore throat and strep throat. <figure class="align-center zoomable"><a href="https://images.theconversation.com/files/605956/original/file-20240710-19-irooun.png?ixlib=rb-4.1.0&q=45&auto=format&w=1000&fit=clip"><img src="https://images.theconversation.com/files/605956/original/file-20240710-19-irooun.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/605956/original/file-20240710-19-irooun.png?ixlib=rb-4.1.0&q=45&auto=format&w=600&h=405&fit=crop&dpr=1 600w, https://images.theconversation.com/files/605956/original/file-20240710-19-irooun.png?ixlib=rb-4.1.0&q=30&auto=format&w=600&h=405&fit=crop&dpr=2 1200w, https://images.theconversation.com/files/605956/original/file-20240710-19-irooun.png?ixlib=rb-4.1.0&q=15&auto=format&w=600&h=405&fit=crop&dpr=3 1800w, https://images.theconversation.com/files/605956/original/file-20240710-19-irooun.png?ixlib=rb-4.1.0&q=45&auto=format&w=754&h=508&fit=crop&dpr=1 754w, https://images.theconversation.com/files/605956/original/file-20240710-19-irooun.png?ixlib=rb-4.1.0&q=30&auto=format&w=754&h=508&fit=crop&dpr=2 1508w, https://images.theconversation.com/files/605956/original/file-20240710-19-irooun.png?ixlib=rb-4.1.0&q=15&auto=format&w=754&h=508&fit=crop&dpr=3 2262w" alt="" /></a><figcaption></figcaption></figure> Generally, a viral sore throat is <a href="https://www.bmj.com/content/347/bmj.f6867">very unlikely</a> to cause complications (one exception is those caused by Epstein-Barr virus which has been associated with illnesses such as <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC3893202/">chronic fatigue syndrome</a>, <a href="https://www.science.org/doi/10.1126/science.abj8222">multiple sclerosis</a> and certain <a href="https://www.thelancet.com/journals/eclinm/article/PIIS2589-5370(22)00404-7/fulltext">cancers</a>). But strep A can cause invasive disease, a rare but serious complication. This is when bacteria living somewhere on the body (usually the skin or throat) get into another part of the body where there shouldn’t be bacteria, such as the bloodstream. This can make people extremely sick. Invasive strep A infections and deaths have been <a href="https://www.who.int/emergencies/disease-outbreak-news/item/2022-DON429">rising in recent years</a> <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC10786649/">around the world</a>, especially in young children and older adults. This may be due to a number of factors such as increased social mixing at this stage of the COVID pandemic and an increase in circulating common cold viruses. But overall the reasons behind the increase in invasive strep A infections are not clear. Another rare but serious side effect of strep A is autoimmune disease. This is when the body’s immune system makes antibodies that react against its own cells. The most common example is <a href="https://www.who.int/news-room/fact-sheets/detail/rheumatic-heart-disease">rheumatic heart disease</a>. This is when the body’s immune system damages the heart valves a few weeks or months after a strep throat or skin infection. <a href="https://www.nejm.org/doi/10.1056/NEJMoa2102074?url_ver=Z39.88-2003&rfr_id=ori:rid:crossref.org&rfr_dat=cr_pub%20%200pubmed">Around the world</a> more than 40 million people live with rheumatic heart disease and more than 300,000 die from its complications every year, mostly in developing countries. However, parts of Australia have some of the <a href="https://onlinelibrary.wiley.com/doi/full/10.5694/mja2.50682">highest rates</a> of rheumatic heart disease in the world. <a href="https://www.aihw.gov.au/reports/heart-stroke-vascular-diseases/hsvd-facts/contents/all-heart-stroke-and-vascular-disease/arf-and-rhd">More than 5,300</a> Indigenous Australians live with it. <h2>Why do some people get sicker than others?</h2> We know strep A infections and rheumatic heart disease <a href="https://link.springer.com/chapter/10.1007/82_2012_280">are more common</a> in low socioeconomic communities where poverty and overcrowding lead to increased strep A transmission and disease. However, we don’t fully understand why some people only get a mild infection with strep throat while others get very sick with invasive disease. We also don’t understand why some people get rheumatic heart disease after strep A infections when most others don’t. Our research team is trying to find out. <h2>How about a vaccine for strep A?</h2> There is no strep A vaccine but <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC6028081/">many</a> <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC8545125/">groups</a> in <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC6495378/">Australia</a>, <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC7902606/">New Zealand</a> <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC3620221/">and</a> <a href="https://www.clinicalkey.com.au/#!/content/playContent/1-s2.0-S0264410X19316457?returnurl=https:%2F%2Flinkinghub.elsevier.com%2Fretrieve%2Fpii%2FS0264410X19316457%3Fshowall%3Dtrue&referrer=https:%2F%2Fpubmed.ncbi.nlm.nih.gov%2F">worldwide</a> are working towards one. For instance, Murdoch Children’s Research Institute and Telethon Kids Institute have formed the <a href="https://www.asavi.org.au">Australian Strep A Vaccine Initiative</a> to develop strep A vaccines. There’s also a <a href="https://savac.ivi.int/">global consortium</a> working towards the same goal. Companies such as <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC10747066/">Vaxcyte</a> and <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC7696035/">GlaxoSmithKline</a> have also been developing strep A vaccines. <h2>What if I have a sore throat?</h2> Most sore throats will get better by themselves. But if yours doesn’t get better in a few days or you have ongoing fever, see your GP. Your GP can examine you, consider running some tests and help you decide if you need antibiotics.<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/230292/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/kim-davis-1535254">Kim Davis</a>, General paediatrician and paediatric infectious diseases specialist, <a href="https://theconversation.com/institutions/murdoch-childrens-research-institute-1027">Murdoch Children's Research Institute</a>; <a href="https://theconversation.com/profiles/alma-fulurija-1535255">Alma Fulurija</a>, Immunologist and the Australian Strep A Vaccine Initiative project lead, <a href="https://theconversation.com/institutions/telethon-kids-institute-1608">Telethon Kids Institute</a>, and <a href="https://theconversation.com/profiles/myra-hardy-1535253">Myra Hardy</a>, Postdoctoral Researcher, Infection, Immunity and Global Health, <a href="https://theconversation.com/institutions/murdoch-childrens-research-institute-1027">Murdoch Children's Research Institute</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/whats-the-difference-between-strep-throat-and-a-sore-throat-were-developing-a-vaccine-for-one-of-them-230292">original article</a>. </div>

Body

Millions warned as dangerous disease spreads in Melbourne

Health authorities have issued an urgent warning to Victorians after multiple people have been admitted to hospital with severe symptoms. Victoria's Department of Health has revealed it is investigating an outbreak of Legionnaires disease after a "significant increase" in cases across Melbourne since Friday. Over just three days, 22 cases of the disease have been confirmed with another six cases suspected. Most of the cases are in adults aged over 40, with many of them requiring hospitalisation and intensive care for severe pneumonia. Health authorities are now searching for the source of the outbreak, as the health department said in a statement, "Legionnaires' disease can cause a chest infection with symptoms of fever, chills, cough, headache and muscle aches and pains. Other atypical symptoms may include nausea, vomiting, diarrhoea and confusion." "All cases have visited or reside in metropolitan Melbourne. Those most at risk are adults aged over 40 years, especially people with other medical conditions or immune compromise, or who smoke." The source of the outbreak is not yet known but investigations are underway to determine where it has come from. Legionnaires' disease is spread by breathing in fine droplets of water that contain legionella bacteria, and is not commonly spread from person-to-person or by drinking contaminated water. The <a href="https://www.health.vic.gov.au/health-alerts/outbreak-of-legionnaires-disease-in-metropolitan-melbourne" target="_blank" rel="noopener">Department of Health</a> is urging anyone who lives in, works in or has visited metropolitan Melbourne and surrounding areas to seek urgent medical care if they develop symptoms. Image credits: Shutterstock

Caring

Elon Musk tops donations as millions raised for Trump shooting victims

In the wake of the assassination attempt on former President Donald Trump, a groundswell of support has emerged from celebrities, business leaders, Republican Party notables and countless regular Americans for those affected by the event that left Trump injured, one man dead, and two others in critical condition. A <a href="https://www.gofundme.com/f/president-trump-seeks-support-for-butler-pa-victims" target="_blank" rel="noopener">GoFundMe campaign</a>, initiated by Trump's top finance person, Meredith O'Rourke of Tallahassee, initially set a goal of $1 million. However, by Monday morning, donations had already far surpassed this target. As of Monday evening, the online fundraiser had amassed over $4.6 million from more than 60,000 donations. Prominent figures have made substantial contributions, with tech mogul Elon Musk donating $100,000 in two instalments late on Monday, while the Ultimate Fighting Championship and its president, Dana White, each contributed $50,000. Meredith O'Rourke, the organiser of the fundraiser, said that the collected funds would support the victims and their families, aiding in recovery and providing assistance to those in mourning. "This is about coming together as a community to help those who have suffered from this senseless act of violence," O'Rourke stated. Among the victims is volunteer fire chief <a href="https://www.oversixty.com.au/health/caring/hero-victim-identified-at-trump-rally-shooting" target="_blank" rel="noopener">Corey Comperatore</a>, aged 50, who was praised by Pennsylvania Governor Josh Shapiro as a hero who shielded his wife and daughter during the shooting. Two other individuals remain in critical condition as they recover from their injuries. Here are some of the notable donors who have contributed to the "Butler PA Victims GoFundMe" campaign: Elon Musk: $100,000. The Tesla CEO, X (formerly Twitter) owner, and SpaceX founder, now a Texas resident, has a significant presence in Florida due to regular launches from Cape Canaveral. Kenneth C. Griffin: $100,000. The founder and CEO of multinational hedge fund Citadel LLC, Griffin, is a Daytona Beach native who maintains a home in Miami. Governor Rick & Ann Scott: $50,000. Rick Scott, the former governor of Florida, has been serving as a U.S. senator from Florida since 2019. Kid Rock: $50,000. Versatile musician and entertainer Kid Rock is renowned for blending rock, hip-hop, and country genres, delivering energetic performances and chart-topping hits over a career spanning more than two decades. Image: GoFundMe

Money & Banking

Major banks hand over millions in refunds over unfair fees

Four major Australian banks are set to cough up close to $30 million in refunds to low-income customers after the Federal corporate watchdog revealed a pattern in high fees. A new report from the Australian Securities and Investments Commission revealed ANZ, Commonwealth Bank, Westpac, as well as mid-tier Bendigo and Adelaide Bank kept at least two million low-income customers in high-fee accounts. Many of these low-income earners rely on Centrelink payments, and were unfairly slapped with unreasonably high fees. The report followed an ASIC review which focused on improving financial outcomes for First Nations customers by addressing avoidable bank fees. “We focused in this project on the banks who were most likely to have First Nations consumers on low incomes trapped in high-fee accounts,” ASIC commissioner Alan Kirkland said. ASIC said the four banks have committed to moving more than 200,000 customers into low-fee accounts, saving them about $10.7 million a year, with the financial institutions also committed to refunding over $28m in fees to these customers over the next 12 to 18 months. This includes $24.6 million to Aboriginal and Torres Strait Islander students and apprentices receiving ABSTUDY payments, and customers in areas with significant First Nations populations. “At any time ASIC, and the community, expects that the banks will treat their customers fairly,” Mr Kirkland said. “But that’s particularly important for people on low incomes and for people who are struggling to make ends meet, the last thing they need is to have the very little income that they have being eaten away in unnecessary bank fees.” Mr Kirkland added that the implications of ASIC’s latest review applied to all banks across the country. “We’re expecting all of them to read the report and make improvements to their practices to stop other people being trapped in high-fee accounts that they can’t afford,” Mr Kirkland said. Image credits: Shutterstock

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