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Controversy after former officer who tasered Clare Nowland learns his fate

<p>Kristian James Samuel White, the now-former police officer who fatally tasered 95-year-old Clare Nowland, has avoided a prison sentence. A judge described the act as a "terrible mistake" but ruled it fell at the lower end of seriousness for manslaughter cases.</p> <p>White, 35, left the NSW Supreme Court on Friday under strict conditions, including a two-year community corrections order requiring good behaviour and an order to complete 425 hours of community service. The sentencing follows the tragic events of May 17, 2023, when White fired a Taser at Nowland at the Yallambee Lodge aged-care home in Cooma, NSW.</p> <p>Justice Ian Harrison acknowledged the unlawful and dangerous nature of White's actions, stating he had misread or misunderstood the situation. “A frail and confused 95-year-old woman in fact posed nothing that could reasonably be described as a threat of any substance,” he said.</p> <p>Nowland, who suffered from dementia, was holding a knife while using a walking frame and had ignored staff attempts to disarm her. White, after only a few minutes at the scene, discharged his Taser, reportedly saying, "nah, bugger it," before the weapon’s barbs struck her chest. The force of the Taser caused her to fall and suffer a brain bleed, leading to her death in hospital a week later.</p> <p>Justice Harrison recognised the grief and anger of Nowland’s family, stating, “The complete and utter frustration and despair exhibited by her family in the circumstances is easy to understand when things could have so easily been handled better.”</p> <p>While White’s actions were deemed unlawful, the judge noted that he had been called to the aged-care home lawfully and had been required to resolve the situation. “He could not have chosen to do nothing,” Justice Harrison said.</p> <p>During sentencing, White stood expressionless, while members of Nowland’s family were visibly emotional. In a letter to the family submitted to the court, White expressed deep remorse, writing, “I take full responsibility for my actions – I felt and still feel horrible for what happened. I do not expect you to take my apology as a request for forgiveness and I understand that you suffer greatly.”</p> <p>Since the incident, White has been diagnosed with major depressive disorder and post-traumatic stress disorder. Due to public outrage in Cooma, he will be forced to relocate.</p> <p>White was dismissed from the NSW Police Force in December following his guilty verdict. However, he has initiated legal action to seek a review of the decision.</p> <p>The case has sparked widespread debate over police use of force, particularly in interactions with vulnerable individuals, with the lenient sentence leaving many questioning whether justice was adequately served for Nowland and her grieving family.</p> <p><em>Images: Supplied</em></p>

Legal

"Future leader": Search resumes for missing police officer

<p>Authorities are set to resume the desperate search for a Queensland police officer who went missing while surfing in New South Wales.</p> <p>Detective Inspector Jay Notaro was last seen surfing before his surfboard and keys were discovered at Broken Head in NSW’s Northern Rivers region at approximately 12:40pm on Tuesday.</p> <p>Queensland Cross-Border Commissioner Ian Leavers described Mr Notaro as a highly regarded officer with a promising future in the force.</p> <p>“Jay is one of the most competent and capable coppers I know, who has a great future in the police,” Leavers told <em>The Courier Mail</em>. “He is not only a friend, he is one of the future leaders of the organisation. I’m praying, he’s just a champion.”</p> <p>The extensive search operation on Tuesday involved Tweed/Byron Police, Police Rescue, Marine Area Command, Queensland PolAir and Surf Life Saving NSW.</p> <p>A NSW Police spokesperson confirmed that search efforts would continue on Wednesday morning, focusing on areas between Lennox Head and Cape Byron, with particular attention to Broken Head.</p> <p>Authorities and colleagues remain hopeful as the search continues for the experienced officer, with many praying for his safe return.</p> <p><em>Images: 9News</em></p>

Caring

Over 350k Aussies to be forced back into the office

<p>Opposition leader Peter Dutton has vowed to end working from home arrangements for public servants, forcing them back into an office five days a week. </p> <p>The leader of the Coalition will end flexible work arrangements for federal government employees, which currently allows them to work from home for two days a week.</p> <p>According to a report in the <a href="https://www.afr.com/policy/economy/coalition-to-force-public-servants-to-return-to-the-office-20250303-p5lge3" target="_blank" rel="noopener" data-link-type="article-inline"><em>Australian Financial Review</em>,</a> the Coalition will also make massive job cuts, slashing about 36,000 jobs, which will save about $6 billion per year, if elected in the upcoming federal election.</p> <p>Prime Minister Anthony Albanese warned that the drastic move would impact frontline workers, meaning slower delivery times for Aussies on benefits, including veterans.</p> <p>Opposition spokeswoman Jane Hume said the government has offered a “blank cheque to work from home” to employees, saying it was “unsustainable” and “not an arrangement that works for everyone”.</p> <p>On Tuesday, <em>7News</em> reporter Nick McCallum and Founding Director of Western Sydney Women, Amanda Rose, spoke with Nat Barr about the policy on <em>Sunrise</em>.</p> <p>“Nick, would there be a revolt if public servants are ordered back to the office?” Barr asked.</p> <p>“I have no doubt there would be. I actually like the policy. I think it is ridiculous that, what is it now, more than 60 per cent of federal public servants have ability to work at home,” McCallum said.</p> <p>“There is a big ‘but’ to all of this: Peter Dutton, it’s a perfect policy for him to sound tough, sound Donald Trump-like, bang his chest and say ‘I am going to demand they come back’ but they’ve recently signed a workplace agreement and under that there is a presumption that they can work at home."</p> <p>“All people in the public service can at least request it. There is a presumption they can do it and there is no limit on the number of days they can actually work from home."</p> <p>“So, he can’t really change that until 2027 anyway. So, call me cynical but it’s a perfect policy for him but at the moment he can’t do a lot about it.”</p> <p><em>Image credits: STEVEN MARKHAM/EPA-EFE/Shutterstock Editorial </em></p>

Money & Banking

Aus Post worker jailed after stealing from packages

<p>An Australia Post contractor has been jailed after stealing $400,000 worth of luxury goods from packages. </p> <p>According to the Australian Federal Police, items such as jewellery, luxury watches, alcohol and gift cards were among the “significant number” of goods stolen from packages between November 2021 and May 2023.</p> <p>The 43-year-old man from Bexley in Sydney was sentenced to imprisonment for two years and three months when he faced the Downing Centre District Court on Tuesday.</p> <p>He is able to be released after serving 15 months on the condition he is then of good behaviour for two years.</p> <p>An investigation began into the thief in May 2023 after a report of “a man tampering with postal packages” was filed. </p> <p>A search warrant executed at the man’s Bexley home uncovered $398,000 worth of stolen items and $39,000 in cash which was the “proceeds of crime from the sale of tobacco the man had taken from mail packages,” AFP said.</p> <p>Police found an estimated $138,000 worth of alcohol, $124,000 of luxury watches, $52,000 of gift cards, and $43,000 of jewellery in the man's home. </p> <p>Police also seized 24g of methamphetamine, 17.8g of ketamine and small quantities of cocaine, MDMA and cannabis during their search of the property.</p> <p>The man pleaded guilty to three charges related to the postal theft, drug possession, and proceeds of crime.</p> <p>AFP acting Superintendent Stuart Millen said the man abused his trusted position with Australia Post for his own personal gain. </p> <p>“Criminals are motivated by profit and greed, and the AFP has zero tolerance for those who abuse employment access for their own illegal pursuits,” he said.</p> <p>“This was an opportunistic attempt to use a trusted position within Australia’s mail delivery system to profit, with no regard to its impact on the community."</p> <p>“People with trusted access are critical to the successful operation of Australia’s trade sectors, but the AFP will not hesitate to investigate and prosecute those who abuse this trust."</p> <p>“The AFP works closely with Australia Post to ensure trusted insiders abusing their position for criminal endeavours are dealt with swiftly to ensure public confidence in the Australian postal system.”</p> <p><em>Image credits: AFP</em></p>

Legal

"RIP brother": Deceased officer found in police station identified

<p>The NSW police officer who was <a href="https://www.oversixty.com.au/finance/legal/officer-found-dead-at-police-station" target="_blank" rel="noopener">found dead at a Sydney police station early on Monday morning</a> has been identified as Senior Constable Mark Hobson, 52. His body was discovered at Sydney Police Centre on Goulburn Street in Surry Hills.</p> <p>Authorities have revealed that they are now treating his death as a suicide, and a critical investigation is currently underway.</p> <p>Senior Constable Hobson began his policing journey in 1996 when he started training at Goulburn Police Academy at the age of 24. Three years later, he officially joined the force as a probationary constable. Over the course of his career, he spent time working in the State Technical Investigations Branch.</p> <p>His father, Ian, is a retired sergeant, and it is understood that another male relative also served in the police force.</p> <p>NSW Police Commissioner Karen Webb visited the station and expressed her condolences.</p> <p>“It was a very sad day for the NSW Police Force,” she said. “Our hearts go out to the officer’s family. Every support will be made available for staff and family affected by this tragedy.”</p> <p>Tributes have since poured in online from colleagues and friends. One former officer who worked alongside Hobson described him as a “nice young man”.</p> <p>“(He was) always helpful (and) assisted operations with major jobs,” he wrote. “RIP brother.”</p> <p>Another tribute expressed deep sorrow: “So, so awful. I just wish he could have seen through the mist.”</p> <p>“It does get better, I promise.”</p> <p>A report will be prepared for the coroner.</p> <p><strong>If you need help in a crisis, call Lifeline on 13 11 14.</strong></p> <p><em>Images: Facebook</em></p>

Caring

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

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

Legal

Officer found dead at police station

<p>A senior constable has been found dead inside the Sydney Police Centre in Surry Hills, shocking colleagues and prompting a critical incident investigation.</p> <p>The 52-year-old officer’s body was discovered early Monday morning at the station on Goulburn Street. According to a police statement, initial inquiries indicate the death is not suspicious, and a report will be prepared for the Coroner.</p> <p>“This is a very sad day for the NSW Police Force,” the statement read. “A critical incident investigation is underway.”</p> <p>NSW Police Commissioner Karen Webb visited the station on Monday to support grieving colleagues and pay respects to the fallen officer.</p> <p>“Our hearts go out to the officer’s family,” Commissioner Webb said. “Every support will be made available for staff and family impacted by this tragedy.”</p> <p>The circumstances surrounding the officer’s death remain under investigation. Authorities have not released further details, citing respect for the officer’s family and the ongoing inquiry.</p> <p><em>Images: Facebook</em></p>

Legal

Cruel scam targets radio star's elderly mum

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

Money & Banking

Novak Djokovic refuses post-match interviews after "offensive" comments

<p>Novak Djokovic stunned Australian Open viewers when he refused to conduct a post-match interview with Channel Nine - the official broadcaster for the tournament - on Sunday night.</p> <p>The Serbian superstar explained that the "offensive comments" made by Nine's sports presenter, Tony Jones, was the reason for his boycott.</p> <p>“I’d like to just clarify the reason why it was not conducted on the court,” Djokovic said.</p> <p>“A couple of days ago the famous sports journalist who works for official broadcaster here in Australia made a mockery of Serbian fans and also made insulting and offensive comments towards me. And since then he chose not to issue any public apology, neither did Nine.</p> <p>“Since they’re official broadcasters I chose not to give interviews for Channel 9. I have nothing against Jim Courier or the Australian public. It’s unfortunate.</p> <p>“I chose to say something to the crowd but obviously wasn’t the time and situation to explain what I’m doing right now.</p> <p>“I leave it to Nine to handle this the way they see fit.”</p> <p>He also released a self-recorded video message to his fans apologising for not speaking to them on the court.</p> <p>“It was of course not a great feeling for me and it was quite awkward on the court.</p> <p>“Jim Courier was the one that came out. I have tremendous respect for him and I always love speaking to Jim and I know that a lot of people wanted to hear me speak so I apologise for everyone being in the stadium and not being able to hear me speak. And on the TV as well.”</p> <p>Djokovic also confirmed that he had spoken with Tennis Australia boss Craig Tiley after the match and said he was prepared to be fined by the tournament for refusing to deal with the official broadcast partner.</p> <p>“I have really nice relationship with Craig, I think he’s a phenomenal guy that always tries to help players and understand the players’ needs or demands, so I just wanted to make sure that he knows where I stand and the reasons behind it,” the 10-time Aussie Open champion said.</p> <p>“So I told him, you know, If you guys want to fine me for not giving an on-court interview, that’s OK, I’ll accept that because I feel like this is something that needs to be done.</p> <p>“That’s all there is to it.”</p> <p>While Tony Jones is yet to speak through the Nine Network, he has reportedly made an apology through Serbian outlet Sport Klub.</p> <p>“Unfortunately, my ‘humour’ the other night was misinterpreted as an attack on Novak, he said.</p> <p>“That was certainly not the case. I’ve been joking with Serbian fans throughout the tournament and this is – at least I thought so – a continuation of that.</p> <p>“If you watch our morning show, you’ll get an idea of how we work. At no point did I mean to show any disrespect to Novak and I apologise – there was certainly no intention to offend him.”</p> <p>Jones made the comments while reading the sports news for Nine’s evening news bulletin live from Melbourne Park on Friday night, when a group of Djokovic's fans began cheering in the background.</p> <p>“Welcome back to Melbourne Park, where you can see the Novak Djokovic fans, they’re in full voice,” Jones said.</p> <p>“The chants are quite extraordinary,” he added, before saying: “Novak, he’s overrated."</p> <p>“Novak’s a has-been. Novak, kick him out.</p> <p>“Boy, I’m glad they can’t hear me. Anyway, let’s get onto the tennis.”</p> <p>As he finished his bulletin, Jones said: “Alright that wraps it up from Melbourne Park. Somehow I’m going to have to get out of here.</p> <p>“No we’re fine, we had selfies. I told them I was Clint Stanaway.”</p> <p><em>Image: Fox Sports</em></p>

Legal

Sir Rod Stewart's sentimental post as he turns "80 years young"

<p>Sir Rod Stewart has celebrated his 80th birthday on Friday. </p> <p>The veteran rocker marked his milestone birthday by sharing a series of photos throughout his life and 60-year career, including being knighted by the Prince of Wales at Buckingham Palace. </p> <p>"Thank you all for the wonderful birthday wishes – 80 years young!" he wrote in the caption with an emoji of two champagne glasses. </p> <p>“What an incredible journey it’s been – from unforgettable moments on and off the stage to earning some truly special honours along the way.</p> <p>“But above all, my greatest joy has always been performing for you.</p> <p>“Cheers to the memories we’ve made and the ones still to come! #80YearsOfRod.”</p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-captioned="" data-instgrm-permalink="https://www.instagram.com/p/DEpv23UJb3u/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/p/DEpv23UJb3u/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by Sir Rod Stewart (@sirrodstewart)</a></p> </div> </blockquote> <p>Among the photos, he also included images of him performing on stage in his younger years, attending his son's wedding and racing Sir Elton John on a football field, as well as a photo of him and wife Penny Lancaster when they were younger. </p> <p>His wife, who he married in 2007, shared her own special tribute to him, saying that she felt “so blessed” to share his 80th birthday with him and their children.</p> <p>“Building more memories to carry with us into the future and to be held close to our hearts forever, I love you xx”, she captioned the post, alongside a photo of Sir Rod while they were on holiday. </p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-captioned="" data-instgrm-permalink="https://www.instagram.com/p/DEoZPPiMmWg/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/p/DEoZPPiMmWg/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by Penny Lancaster (@penny.lancaster)</a></p> </div> </blockquote> <p>The rocker's celebrity friends were also quick to send their birthday wishes, with Sir Elton John sharing a special tribute to his "great mate" on his stories with a series of images of them over the years and the caption: “Hope you have a brilliant day celebrating. Much love.”</p> <p>TV presenter Davina McCall commented: “Happy Birthday Rod! Thank you for all the joy and dancing!!! Hope you all have the best day.”</p> <p><em>The Rolling Stones </em>star Ronnie Wood shared a picture of the pair in their younger days with the caption: “Happy 80th birthday @sirrodstewart! My lifelong pal is having a big birthday today! Please join me in wishing him a wonderful day.”</p> <p>Drummer Kenney Jones also shared his birthday wishes and hoped that Sir Rod had “a great day”.</p> <p><em>Images: Instagram</em></p> <p> </p>

Caring

How an AI grandma is combating phone scams

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

Legal

Home and Away star's urgent scam warning

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

Technology

Australia Post wants to charge more for stamps next year. Here’s why it has to keep letters alive

<div class="theconversation-article-body">By <a href="https://theconversation.com/profiles/paul-alexander-1126222">Paul Alexander</a>, <em><a href="https://theconversation.com/institutions/curtin-university-873">Curtin University</a></em></p> <p>Remember back at the turn of the millennium, when sending a small letter only cost 45 cents? If you haven’t used the postal service recently, you might be in for a rude shock.</p> <p>Late last week, it was announced Australia Post had notified the Australian Competition and Consumer Commission (ACCC) of a proposal to increase the price of stamps.</p> <p>If ultimately approved by Communications Minister Michelle Rowland, the current basic postage rate for a small letter, $1.50, would <a href="https://auspost.com.au/disruptions-and-updates/pricing-updates/bpr-letter-pricing-update">rise</a> to $1.70 by mid-2025. Stamps for regular large and priority small letters would go from $2.20 up to $2.70.</p> <p>There would still be a discounted option for seasonal greetings cards, which would remain at 65 cents.</p> <p>If you’re feeling a sense of déjà vu, that’s because the last basic postage rate <a href="https://minister.infrastructure.gov.au/rowland/media-release/decision-basic-postage-rate">increase</a> to $1.50 only just came into effect earlier this year.</p> <p>Like physical cash, letters have arguably been in terminal decline. According to Australia Post, <a href="https://newsroom.auspost.com.au/proposed-stamp-price-increase-as-letters-losses-mount">fewer than 3%</a> of letters are now sent by individuals. The rest are overwhelmingly business and government communications.</p> <p>But for some key groups, the “snail mail” remains a vital service. So why do we need to keep letters alive, and will increasing the price of stamps be enough to do so?</p> <h2>A duty to serve all Australians</h2> <p>As a publicly owned organisation, Australia Post has a range of formal community service obligations (CSOs). These are <a href="https://www.transparency.gov.au/publications/communications-and-the-arts/australian-postal-corporation/australia-post-annual-report-2022-23/other-important-information/community-service-obligations">enshrined in legislation</a> – the Australian Postal Corporation Act 1989.</p> <p>These CSOs were set up to ensure essential postal services are accessible and affordable to all Australians, including those in regional, rural and remote areas.</p> <p>They include providing a universal access to a standard letter service at a uniform price across the country, as well as specific obligations on the frequency, range and speed of mail delivery.</p> <p>Since 2015, Australia Post has been lobbying to reform its community service obligations to <a href="https://www.afr.com/markets/equity-markets/australia-post-posts-222m-loss-letter-posting-in-terminal-decline-20150925-gjup78">better align</a> with changed consumer behaviour and needs.</p> <p>That has led to some changes in what’s expected, including a range of <a href="https://www.infrastructure.gov.au/sites/default/files/documents/postal-services-modernisation-discussion-paper.pdf">reforms</a> implemented by the Australian government over the past year.</p> <p>These have included <a href="https://www.abc.net.au/news/2024-04-12/auspost-to-halve-letter-delivery-frequency-from-monday/103699458">reducing delivery frequency</a> for letters and reallocating resources to parcel delivery, while still maintaining essential services in regional and remote areas and for special interest groups.</p> <p>We are clearly in a broader transition to new CSOs – and a new role for Australia Post. Much of that comes down to the difficulty of delivering letters.</p> <h2>The long decline of letters</h2> <p>In the last financial year, Australia Post’s letter volumes <a href="https://newsroom.auspost.com.au/proposed-stamp-price-increase-as-letters-losses-mount">fell</a> by almost 13%, which the company said led to a loss of $361.8 million.</p> <p>But this is nothing new. From a peak in 2008, letter delivery volumes have been <a href="https://minister.infrastructure.gov.au/rowland/media-release/ensuring-australia-post-can-deliver-more-australians">plummeting</a> for more than a decade.</p> <figure class="align-right "><figcaption></figcaption></figure> <p>Australia Post <a href="https://newsroom.auspost.com.au/proposed-stamp-price-increase-as-letters-losses-mount">says</a> they’re now at levels not seen since the 1950s. Remember, in 1955, the Australian population was only 9.2 million people.</p> <p>Parallels with declining cash usage highlight our aversion to doing things with paper.</p> <p>Cash use in Australia has also fallen to historic lows, forcing the government to step in with a plan to <a href="https://theconversation.com/businesses-will-have-to-accept-cash-for-essentials-under-government-plan-243899">keep it alive for essentials</a>.</p> <h2>All or nothing</h2> <p>A key conundrum is that we can’t keep letters half-alive. For all Australians to be able post letters on a scheduled basis with fast delivery requires Australia Post to maintain a complete letter network across the entire nation.</p> <p>The overall costs of operating this – while not specifically itemised publicly – include maintaining delivery routes and retail outlets, paying employee wages and investing in infrastructure.</p> <p>Naturally, increasing the cost of sending letters will discourage businesses from doing so, shrinking the market ever more.</p> <p>But because the size of the mail delivery network does not shrink proportionately, this can cause outsize problems for Australia Post.</p> <p>Australia is not unique. Postal services around the world have felt <a href="https://www.upu.int/en/publications/physical-postal-services/strategies-and-ways-for-developing-the-traditional-letterpost-documents-market">similar pressures</a>, many of which have diversified into parcel logistics and offering other digital services.</p> <h2>Could we just lose letters?</h2> <p>There are three core demographics in Australian society that still need to send and receive physical mail. These are:</p> <ul> <li> <p>older Australians, particularly those who are less familiar with or have limited access to digital platforms</p> </li> <li> <p>residents of regional and remote areas with limited internet connectivity</p> </li> <li> <p>concessional users for whom discounted mail is the most affordable form of important communications.</p> </li> </ul> <p>At the very least, these groups all need to have a guaranteed ability to send and receive official information. That includes bank statements, legal notices, utility bills and government correspondence, such as electoral information.</p> <p>Less critical, but still socially important and likely not to be terminated, is delivery of cards and letters for personal milestones, holidays or other events.</p> <p>That puts Australia Post in a tricky position. It likely cannot maintain such large mail delivery infrastructure unless it does so at increasing losses.</p> <p>That also reduces its ability to provide other, more relevant services and can blunt its competitiveness in the parcel delivery market.</p> <h2>Letters as small parcels</h2> <p>For Australia Post, one solution may lie in leveraging its <a href="https://auspost.com.au/content/dam/auspost_corp/media/documents/2024-australia-post-annual-report.pdf">thriving</a> parcels delivery network.</p> <p>Given the essential user base for mail delivery is now so small, it makes sense for letters to be “special” delivery services, much as courier document services are now. Parcel home delivery resources could take this mail the last mile.</p> <p>This would be much more expensive per item for Australia Post. But if the market continued to decrease in volume, it would minimise total costs.</p> <p>It would also allow the government to provide a targeted subsidy if required.<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/244503/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em><a href="https://theconversation.com/profiles/paul-alexander-1126222">Paul Alexander</a>, Adjunct Associate Professor of Supply Chain Management, <a href="https://theconversation.com/institutions/curtin-university-873">Curtin University</a></em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/australia-post-wants-to-charge-more-for-stamps-next-year-heres-why-it-has-to-keep-letters-alive-244503">original article</a>.</em></p> </div>

Money & Banking

Police officer dies on popular beach

<p>A tragic incident unfolded at Perth’s popular Trigg Beach on Tuesday morning when an off-duty police officer lost her life after a diving accident. Emergency services responded to reports of a diver in distress around 10:30am, sparking a rapid and intensive search effort.</p> <p>An operator alerted the rescue teams over radio, saying, “You’ll see some vessels up there. We have a missing diver about 70 metres offshore.” Multiple agencies converged on the area, and the woman in her 40s was eventually located and brought to shore.</p> <p>Witnesses recalled the sombre scene, with one bystander describing the moment the searchers signalled the diver’s location: “We saw the signal when they raised their hand, saying, ‘here, it’s in this place.’ They tried to do the resuscitation.”</p> <p>Despite the immediate efforts of the responders, the woman could not be revived and was pronounced dead at the scene. WA Police later confirmed that the diver was a First Class Constable with the WA Police Force, off duty at the time of the incident.</p> <p>“It is with a heavy heart we confirm the diver is a sworn member of the WA Police Force,” read a statement from WA Police. “Our thoughts and deepest condolences are extended to her family and colleagues.”</p> <p>The police force’s Health, Welfare and Safety Division provided support to officers and others affected, and throughout the afternoon colleagues, friends and family arrived at the beach to pay their respects, with one man appearing visibly distressed as he was comforted by the police chaplain.</p> <p>The cause of the incident remains under investigation, although authorities have confirmed that the death is not being treated as suspicious. A report will be prepared for the coroner as the police department and local community mourn the loss of a dedicated officer.</p> <p>The family of the deceased has requested privacy during this difficult time.</p> <p><em>Images: Nine News / Seven News</em></p>

Caring

Aussie mum jailed after faking her own death for major insurance payout

<p>A Perth woman who faked her own death to secure a $700,000 insurance payout has been sentenced to three years behind bars. </p> <p>Karen Salkilld, 43, an F45 gym franchise owner, claimed she died in a car accident in Broome in December 2023. </p> <p>The mother-of-two, also provided a falsified death certificate, a coroner report and funeral documents, when she made the claim in January.</p> <p>A month later, she received more than $718,000 from Insuranceline, which she accessed by posing as her former partner who was the beneficiary of the sum and opening a bank account in her name. </p> <p>The "relatively sophisticated" scheme was initially successful, until police became suspicious and froze her account after she moved large amounts of the money around, according to<em> Nine News</em>. </p> <p>Salkilld had to visit Palmyra Police Station in person to certify her fake documents, but after three visits, officers realised something was up and arrested her in March. </p> <p>There is no evidence that her former partner knew of the crime. </p> <p>The fitness instructor admitted that she got the idea from a movie after she fell into debt, although she didn't specify which one. </p> <p>"Your offending could not be described as opportunistic," Judge Vicki Stewart told Perth District Court said in sentencing the fitness instructor. </p> <p>"It was calculated and required both effort and persistence."</p> <p>"You were living beyond your means and over-committed yourself," Stewart added. </p> <p>Salkilld pleaded guilty to gaining benefit by fraud and knowingly using a false record to defraud, and was sentenced to three years in prison on Monday. </p> <p>She was ordered to pay a $101,771 compensation to the insurance company. A restitution order for funds in the bank account was also issued - one for $549,195 and another for $67,995 - with the latter being held in the bank's fraud recoveries account. </p> <p>Speaking to <em>Nine News</em> outside court after the sentencing, Salkilld's estranged sister Ann said "it doesn't surprise me that she is capable of doing things like that."</p> <p>She will be eligible for parole in February 2026.</p> <p><em>Image: Nine News </em></p>

Legal

Raygun shows off stunning post-Olympics transformation

<p>Infamous Australian breakdancer Raygun has debuted her new look on the front page of <em>Stellar</em> magazine, just months after gaining global notoriety at the Paris Olympics.</p> <p>Rachael “Raygun” Gunn's infamous performance at the Olympics gained her not one single point in the competition, with her unusual style of dance going viral and parodied around the world.</p> <p>Now, Raygun has ditched the green and gold Olympic tracksuit and debuted her new look for her cover story with <em>Stellar</em> magazine.</p> <p>With her hair sleekly pulled back, Raygun shared the photo of her looking radiant in a vibrant blue dress and strappy black sandals, complete with a bold red lip.</p> <p>Though the full interview isn’t released until Sunday, the cover offers a tantalising glimpse into Raygun’s mindset, with quotes reading, “You did not bring me down. You did not succeed. I still stand by what I did.” </p> <p>The quotes echo Raygun's <a href="https://oversixty.com.au/entertainment/tv/weak-raygun-s-tell-all-interview-divides-audience" target="_blank" rel="noopener">tell-all interview</a> with Waleed Aly on <em>The Project</em> that she conducted after returning from Paris to a barrage of ridicule from Australia. </p> <p>While some people, including Prime Minister Anthony Albanese, thought Raygun gave it her best try, others were quick to call her out for "making a mockery of Australia". </p> <p>Speaking for the first time since the Olympics, Raygun told Waleed Aly in September that the backlash to her performance had a huge impact on her mental health. </p> <p>“I didn’t understand the scale of it,” she said. “I did preview some comments and I was like, ‘Oh, no’, and this kind of sick feeling started coming out. I was like, ‘Oh, goodness! What has happened?’”</p> <p>“It was really sad, how much hate that it did evoke,” she said. “There’s been a portion of very angry and awful responses, not only attacking me but attacking my husband, attacking my crew, attacking the breaking and street dance community in Australia, my family. The energy and vitriol that people had was pretty alarming.”</p> <p><em>Image credits: Instagram - Stellar</em></p>

Beauty & Style

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

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

Money & Banking

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

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/jeannie-marie-paterson-6367">Jeannie Marie Paterson</a>, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a> and <a href="https://theconversation.com/profiles/nicola-howell-1160247">Nicola Howell</a>, <a href="https://theconversation.com/institutions/queensland-university-of-technology-847">Queensland University of Technology</a></em></p> <p>In Australia, it’s scam victims who foot the bill for the overwhelming majority of the money lost to scams each year.</p> <p>A 2023 <a href="https://download.asic.gov.au/media/mbhoz0pc/rep761-published-20-april-2023.pdf">review</a> by the Australian Securities and Investments Commission (ASIC) found banks detected and stopped only a small proportion of scams. The total amount banks paid in compensation paled in comparison to total losses.</p> <p>So, it was a strong statement this week when it was revealed the Australian Financial Conduct Authority (AFCA) had <a href="https://my.afca.org.au/searchpublisheddecisions/kb-article/?id=f9f8941f-7379-ef11-ac20-000d3a6acbb4">ordered</a> a bank – HSBC – to compensate a customer who lost more than $47,000 through a sophisticated bank impersonation or “spoofing” scam.</p> <p>This decision was significant. An AFCA determination is binding on the relevant bank or other financial institution, which has <a href="https://www.afca.org.au/make-a-complaint#:%7E:text=Any%20determinations%20we%20make%20are,service%20is%20free%20to%20access">no direct right of appeal</a>. It could have implications for the way similar cases are treated in future.</p> <p>The ruling comes amid a broader push for sector-wide reforms to give banks more responsibility for <a href="https://www.fico.com/blogs/detection-prevention-tackling-scams-every-angle">detecting</a>, deterring and responding to scams, as opposed to simply telling customers to be “more careful”.</p> <p>Here’s what you should know about this landmark ruling, and what it might mean for consumers.</p> <h2>A highly sophisticated ‘spoofing’ scam</h2> <p>You might be familiar with “push payment” scams that trick the victim into paying money to a dummy account. These include the “<a href="https://www.acma.gov.au/articles/2024-01/scam-alert-re-emergence-hi-mum-scam">mum I’ve lost my phone</a>” scam and some <a href="https://www.scamwatch.gov.au/types-of-scams/online-dating-and-romance-scams">romance</a> scams.</p> <p>The <a href="https://www.smh.com.au/national/dragged-kicking-and-screaming-banking-giant-loses-battle-against-scam-victim-20241015-p5kide.html">recent case</a> concerned an equally noxious “bank impersonation” or “spoofing” scam. The complainant – referred to as “Mr T” – was tricked into giving the scammer access to his HSBC account, from which an unauthorised payment was made.</p> <p>The scammer sent Mr T a text message, purportedly asking him to investigate an attempted Amazon transaction.</p> <p>In an effort to respond to the (fake) unauthorised Amazon purchase, Mr T revealed security passcodes to the scammer, enabling them to transfer $47,178.54 from his account and disappear with it.</p> <p>The fact Mr T was dealing with scammers was far from obvious – scammers had information about him one might reasonably expect only a bank would know, such as his bank username.</p> <p>On top of this, the scam text message appeared in a thread of other legitimate text messages that had previously been sent by the real HSBC.</p> <h2>AFCA’s ruling</h2> <p>HSBC argued to AFCA that having to pay compensation should be ruled out under the <a href="https://download.asic.gov.au/media/lloeicwb/epayments-code-published-02-june-2022.pdf">ePayments Code</a>, a voluntary code of practice administered by ASIC.</p> <p>Under this code, a bank is not required to compensate a customer for an unauthorised payment if that customer has disclosed their passcode. The bank argued the complainant had voluntarily disclosed these codes to the scammer, meaning the bank didn’t need to pay.</p> <p>AFCA disagreed. It noted the very way the scam had worked was by creating a sense of urgency and crisis. AFCA considered that the complainant had been manipulated into disclosing the passcodes and had not acted voluntarily.</p> <p>AFCA awarded compensation covering the vast majority of the disputed transaction amount, lost interest charged to a home loan account, and $5,000 towards Mr T’s legal costs.</p> <p>It also ordered the bank to pay compensation of $1,000 for poor customer service in dealing with the matter, including communication delays.</p> <h2>Other cases may be more complex</h2> <p>In this case, the determination was relatively straightforward. It found Mr T had not voluntarily disclosed his account information, so was not excluded from being compensated under the ePayments Code.</p> <p>However, many payment scams fall outside the ePayments Code because they involve the customer directly sending money to the scammer (as opposed to the scammer accessing the customer’s account). That means there is no code to direct compensation.</p> <p>Still, AFCA’s jurisdiction is broader than merely applying a code. In considering compensation for scam losses, AFCA must consider what is “fair in all the circumstances”. This means taking into account:</p> <ul> <li>legal principles</li> <li>applicable industry codes</li> <li>good industry practice</li> <li>previous AFCA decisions.</li> </ul> <p>Relevant factors might well include whether the bank was proactive in responding to known scams, as well as the challenges for individual customers in identifying scams.</p> <h2>Broader reforms are on the way</h2> <p>At the heart of this determination by AFCA is a recognition that, increasingly, detecting sophisticated scams can be next to impossible for customers, which can mean they don’t act voluntarily in making payments to scammers.</p> <p>Similar reasoning has informed a range of recent reform initiatives that put more responsibility for detecting and responding to scams on the banks, rather than their customers.</p> <p>In 2023, Australia’s banking sector committed to a new “<a href="https://www.ausbanking.org.au/scam-safe-accord/">Scam-Safe Accord</a>”. This is a commitment to implement new measures to protect customers, including a confirmation of payee service, delays for new payments, and biometric identity checks for new accounts.</p> <p>Changes on the horizon could be more ambitious and significant.</p> <p>The proposed <a href="https://treasury.gov.au/consultation/c2024-573813">Scams Prevention Framework</a> legislation would require Australian banks, telcos and <a href="https://pursuit.unimelb.edu.au/articles/accc-vs-big-tech-round-10-and-counting">digital platforms</a> to take reasonable steps to prevent, detect, report, disrupt and respond to scams.</p> <p>It would also include a compulsory external dispute resolution process, like AFCA’s, for consumers seeking compensation for when any of these institutions fail to comply.</p> <p>Addressing scams is not just an Australian issue. In the United Kingdom, newly introduced <a href="https://www.bbc.com/news/articles/cy94vz4zd7zo">rules</a> make paying and receiving banks responsible for compensating customers, for scam losses up to £85,000 (A$165,136), unless the customer is grossly negligent.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/241558/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em><a href="https://theconversation.com/profiles/jeannie-marie-paterson-6367">Jeannie Marie Paterson</a>, Professor of Law, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a> and <a href="https://theconversation.com/profiles/nicola-howell-1160247">Nicola Howell</a>, Senior lecturer, <a href="https://theconversation.com/institutions/queensland-university-of-technology-847">Queensland University of Technology</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/could-a-recent-ruling-change-the-game-for-scam-victims-heres-why-the-banks-will-be-watching-closely-241558">original article</a>.</em></p> </div>

Money & Banking

Cyclist and AusPost worker caught in wild brawl

<p>An altercation between an Australia Post worker and a cyclist has gone viral on social media, with an investigation underway. </p> <p>The video captured by Gold Coast resident Codey Lamos showed the cyclist attacking the postie's van. </p> <p>"I don't want to fight, go away," the driver can be heard saying, as he tries to get into his van, the cyclist pushes the door squishing the driver. </p> <p>After realising he won't be left alone, the driver jumps out and begins throwing punches at the cyclist, while also throwing a small object at him.</p> <p>They then punch at each other for a few seconds, exchanging a few words before the driver hopped back into his van. </p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-captioned="" data-instgrm-permalink="https://www.instagram.com/reel/DBBICoSpsmS/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/reel/DBBICoSpsmS/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by 7NEWS Queensland (@7newsqueensland)</a></p> </div> </blockquote> <p>"Australia Post is aware of an incident involving a subcontractor delivery driver, which has also been reported to Police," a spokesperson told <em>Yahoo News Australia</em> on Saturday. </p> <p>"As the footage only shows part of the incident, Australia Post will conduct a full investigation into the matter, however the behaviour shown in the video is not what Australia Post expects of its people."</p> <p>Lamos believed the fight was triggered after the postie reportedly cut the cyclist off and something had been thrown at his face, telling the<em> Daily Mail </em>that the cyclist "followed the postman into complex and that's what I captured."</p> <p>The video gained nearly a million views the day after it was posted on TikTok, with many describing the scene as "embarrassing". </p> <p>However, a few others defended the postie, with one saying: "No stop. This is my postman. He is the kindest person." </p> <p>"I know the postie came out on top but I still feel bad for him. No one should be treated like this at work," another added. </p> <p>“Postie tossed between losing his job or losing his patience,” a third wrote.</p> <p>One person wrote of the cyclist: “I can’t take captain spandex seriously.” </p> <p><em>Images: TikTok</em></p>

Legal

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

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

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