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World's oldest practicing doctor shares his secrets to a long life

While most people slow down with age, Dr Howard Tucker has spent more than a century proving that passion and purpose are the best medicine. At 102 years old, the American neurologist has lived a life so extraordinary it earned him a Guinness World Record as the oldest practicing doctor – an honour he received just before turning 99. Though he officially hung up his white coat at 100, Tucker remains as active and engaged as ever. Today, he lectures future physicians at Case Western Reserve University in Cleveland, Ohio, and consults on medico-legal cases – work made possible by a law degree he earned at 67. His message? Retirement is not a requirement. “Retirement, I think, is the enemy of longevity,” Dr Tucker recently told Al Roker on NBC’s Today. “You have to have some purpose in life and get up in the morning and know what you’re about.” Even after the hospital where he worked shut its doors in 2022, ending his medical practice at 100, Tucker hasn’t ruled out returning to clinical work. “If it wasn’t for the closure, I’d absolutely still be seeing patients,” he told People. “Nobody wants me at my age – but I’ll keep trying.” His enthusiasm for life has captured the public imagination, especially through What’s Next, a documentary about his life produced by his grandson. The film has gone viral on TikTok, turning the centenarian into an unexpected social media sensation. Dr Tucker credits his longevity not just to good genes – his parents lived to 84 and 96 – but to lifestyle choices. “Heredity and family history of longevity is a healthy start,” he wrote in his Guinness World Record submission. “However, it must be supported by moderation of nutrition, alcohol and happiness.” His daily routine reflects that philosophy. He snowshoes in the winter, walks on the treadmill for at least four kilometres a day, and eats a mostly clean diet – fruit and cereal in the morning, fish and vegetables at night. Lunch is often skipped to maintain mental clarity. Dessert, however, is a staple – typically fruit or ice-cream, enjoyed with his wife of over 70 years. And while he rarely drinks, he allows himself the occasional martini. One thing he’s always avoided: cigarettes. Dr Tucker also says its important to keep the brain stimulated. “If they retire from their work, they should at least do something as a hobby,” he told Today. “You need a stimulus for the brain daily.” Science backs him up. Research shows that ongoing learning, social connection, and a sense of purpose contribute to mental acuity and longevity. Tucker’s life is a blueprint for all three. He remains close to his four children and 10 grandchildren and is an avid sports fan. Despite a fall in his late 80s that ended his skiing days with a broken neck, Tucker hasn’t let injury slow him down. Instead, he’s adapted, always finding new ways to stay active. With his 103rd birthday on the horizon in July, Dr Tucker says he isn’t concerned about the end. “I never think of death,” he said. “To be alive is to know that you’re going to die because life is a fatal disease. And so I live it.” For a man who’s devoted his life to healing others, Dr Howard Tucker’s greatest lesson might be how to truly live. Images: Instagram

Caring

How to get started investing later in life

For some people – particularly women – investing may not have been an option until now, constrained by a lack of income while raising children or low incomes leaving nothing to invest once the bills were paid. Others find a new-found need to invest later in life, such as after a separation, inability to work through illness or injury, or the sudden death of their partner. No matter your reason for exploring investing later in life, the following pointers will get you on your way to building financial independence and a comfortable retirement. Update your strategy When was the last time you updated your spending and investment plan (or household budget)? It may have been before the kids left home, your mortgage was paid off, or you began transitioning into part-time retirement. If so, your living costs have changed significantly – work expenses, home energy consumption, groceries etc. Furthermore, your goals, healthcare and lifestyle needs may also have changed. Update your strategy to align with your current goals, values, income and spending habits. Only then will you understand how much you can afford to invest and where to direct those funds. Right-size your superannuation In your later years, super is likely to be front of mind. Ensure this investment works its hardest for you by scrutinising its: • Structure: retail or industry fund? SMSF? Each has its own costs and benefits to contemplate. • Investments: reexamine the types of assets held, level of diversification and risk weighting. • Insurances: do you have adequate life, permanent disability and income protection cover? • Take advantage of superannuation strategies you may not be aware of Unlock home equity The biggest source of money you likely have at this stage of life is equity in your home. This can be used to invest with minimal impact on your everyday finances. In fact, unused equity is effectively dead money (until you sell the property). I always urge caution on reverse mortgages. In theory, they seem like a great way of unlocking equity without saddling you with regular repayments. However, they typically: • accumulate more debt. • have higher interest rates than standard mortgages. • only grant access to a portion of your equity. • can restrict your options to downsize later. • could leave you with no remaining equity when you sell the property or nothing to leave to your benefactors when you pass away. Consider downsizing An alternative to refinancing is downsizing from the family home. As well as unlocking money for investing, you benefit from lower upkeep costs (and cleaning!) on a smaller property and can make a lifestyle change at the same time (moving nearer to family, away from bustling cities, or into supported care if required). Additionally, you may be able to use part of the sale proceeds (up to $300,000) to turbocharge your super with a one-off <a href="https://www.ato.gov.au/individuals-and-families/super-for-individuals-and-families/super/growing-and-keeping-track-of-your-super/how-to-save-more-in-your-super/downsizer-super-contributions" target="_blank" rel="noopener">downsizer contribution</a>. Examine pension impacts Investing can impact your ability to claim the age pension when you retire, and how much you receive. This often comes to bite people who unlock equity in their home to invest, without realising that doing so means the money suddenly counts towards the pension means test. Before doing anything, methodically weigh up which will leave you financially better off – claiming a full or part pension, or self-funding your retirement through investments. Minimise tax Hefty tax bills can easily wipe out any investment returns, making tax a crucial factor in your decision-making. Potential tax considerations to factor into your strategy include: • Determining the most tax-effective ownership structure (e.g. do you invest in your or partner’s name? Through your super? Through a trust or company? • Incorporating stamp duty into purchase costs. • Ensuring there is enough profit from the sale of an investment to cover Capital Gains Tax (CGT) and income tax liabilities before deciding to sell. • Timing a sale to fall within the optimal financial year (e.g. in a year where your taxable income is lower or when relevant tax changes come into effect). Invest in knowledge Later in life, you have fewer working years remaining to recover any losses. Given the far-reaching implications of investing, I highly recommend first speaking to a financial adviser. Many times the fees are paid for in initial tax savings. They can help you maximise your returns, minimise your tax, ensure you don’t inadvertently leave yourself worse off and give you peace of mind. After all, the whole point of investing is to make money. And, without current professional advice, you simply don’t know what you don’t know! Helen Baker is a licensed Australian financial adviser and author of the new book, Money For Life: How to build financial security from firm foundations (Major Street Publishing $32.99). Helen is among the 1% of financial planners who hold a master’s degree in the field. Proceeds from book sales are donated to charities supporting disadvantaged women and children. Find out more at <a href="http://www.onyourowntwofeet.com.au/" target="_blank" rel="noopener">www.onyourowntwofeet.com.au</a> Disclaimer: The information in this article is of a general nature only and does not constitute personal financial or product advice. Any opinions or views expressed are those of the authors and do not represent those of people, institutions or organisations the owner may be associated with in a professional or personal capacity unless explicitly stated. Helen Baker is an authorised representative of BPW Partners Pty Ltd AFSL 548754.

Retirement Income

Bubsie rides again: A century-old journey retraced across Australia

A century ago, a humble 5-horsepower car named "Bubsie" made history by becoming the first motor vehicle to circumnavigate the Australian continent. Now, a century later, its spirit roars back to life as a devoted team of enthusiasts prepares to retrace its entire 17,500km journey – in a painstakingly restored replica of the original 1923 Citroën 5CV. The year was 1925. With little more than swags, spare tyres and unwavering faith, 22-year-old Seventh-day Adventist missionary Nevill Westwood and his friend Greg Davies set off from Perth in a tiny yellow car. They had a simple mission: deliver literature to the remote outback. What they accomplished was far more profound: a trailblazing voyage across Australia, at a time when roads were scarce and courage was the only constant. Through flooded riverbeds, makeshift tracks and across the sun-scorched Nullarbor, the young men pressed on. With knees jammed beneath the steering wheel, they bounced across the nation in what Westwood affectionately dubbed "Bubsie". The 5CV was small, simple and entirely unsuited for such a grand expedition – yet it carried them across six states, through monsoonal downpours and desolate plains, forging a path for motoring history. Now, exactly 100 years since that audacious journey, a new crew is preparing to retrace their route in a meticulously restored 1923 Citroën 5CV. The project, dubbed <a href="https://rightaroundaustralia.tij.tv/" target="_blank" rel="noopener">Right Around Australia</a>, is led by the faith-based media group The Incredible Journey and has brought together passionate motoring enthusiasts from across the country. Warren May, a car restorer from Western Australia, joined the project in mid-2023 and quickly immersed himself in the mammoth task of rebuilding a vehicle worthy of the original Bubsie. After months of searching, the team found the perfect base: a rare 1923 Citroën 5CV owned by collector Paul Smyth. "It was 102 years old – and in rough shape," Mr May <a href="https://www.abc.net.au/news/2025-05-18/bubsie-citroen-circumnavigation-1925-retraced-in-2025/105257744" target="_blank" rel="noopener">told the ABC</a>. “We had to fabricate a lot of new panels because it was just so old.” The motor, miraculously, was still in good shape. But the bodywork was another story. What followed was a year-long restoration odyssey, with over 1,000 hours of labour, rust cut away and replaced, and every nut and bolt sandblasted and repainted. With the help of friends Colin Gibbs and Graham Tyler, the team brought the little French car back to life – ready to relive one of Australia’s great adventures. The replica has been touring Australia since early 2025, and this June, it will officially begin retracing Bubsie’s route. Starting from Bickley, Western Australia – where Westwood once lived – the car will travel thousands of kilometres, mostly by trailer but driving short stretches through regional towns and historic locations. “It’s about commemorating the courage and determination of those early explorers,” said event organiser Kevin Amos. “Nevill and Greg didn’t have highways. Sometimes they had no roads at all. They literally bush-bashed their way across the country.” Indeed, from the Kimberley to Mount Isa, their journey was defined by improvisation and grit. When they came to the Fitzroy River in northern WA, locals rigged a pulley system to carry Bubsie across. In the Northern Territory, they slid through mud and monsoon rains. They stopped to help others – including a stranded trio near the Nullarbor, who were out of water and near death. Westwood gave them water, fixed their car, and saved their lives. For the modern team, this centennial journey isn’t just about honouring history – it’s about reliving a story of quiet faith and mateship. Dr Laura Cook, curator at the National Museum of Australia where the original Bubsie now rests, said Westwood’s photographs and letters provide a vivid, almost daily account of the 1925 expedition. “His story is more than just a motoring milestone,” she said. “It captures the spirit of a generation who dared to push boundaries. These weren’t professional drivers – they were people of vision and courage.” By December 1925, after six gruelling months, Westwood rolled back into Perth – completing the first full circumnavigation of Australia by car. His companion Greg had returned home early to resume nursing studies, but Westwood pressed on alone. When he returned from overseas the next year, he tracked Bubsie down (it had been sold) and bought it back. Today, Bubsie is more than a car. It’s a symbol of Australia’s pioneering spirit. And as its modern twin prepares to hit the road once more, that legacy rolls forward – not in horsepower, but in heart. So keep an eye out for Bubsie's twin as it rolls through your town, and history comes alive. Images: National Museum of Australia / Right Around Australia

Domestic Travel

Millions of Aussies set to receive cost-of-living pay bump

Prime Minister Anthony Albanese has thrown his government’s support behind a “fair” pay rise for Australia's lowest-paid workers, setting the stage for a potential showdown with employer groups ahead of the Fair Work Commission’s annual wage review. In a submission to the Commission, the federal government recommended a real wage increase – meaning one above the rate of inflation – for around three million Australians earning either the minimum wage or under an industry award. The push is part of Labor’s broader strategy to ease cost-of-living pressures and boost household incomes. “This will help around three million workers across the country, including cleaners, retail workers and early childhood educators,” said Treasurer Jim Chalmers and Employment Minister Amanda Rishworth in a joint statement. “Boosting wages, cutting taxes for every taxpayer and creating more jobs are central parts of our efforts to help Australians with the cost of living.” While the government did not specify an exact figure, it made clear that any increase should outpace inflation, a stance likely to be met with resistance from employers. Business groups, including the Australian Chamber of Commerce and Industry, are calling for a more modest 2.5% increase, warning that anything higher could hurt struggling businesses, especially with superannuation contributions set to rise from 11.5% to 12% on July 1. Last year, minimum wage earners received a 3.75% pay rise, lifting the national minimum wage to $24.10 per hour, or $915.90 per week. With headline inflation then at 3.6%, workers saw only a marginal real wage increase of 0.15%. However, the economic backdrop has shifted. In the year to March, overall wages grew by 3.4% while the consumer price index rose just 2.4%, indicating a real wage growth of 1% for many Australians. Inflation is now within the Reserve Bank’s target band of 2-3%, which the government says supports its call for a generous, yet “economically responsible” wage hike. “An increase in minimum and award wages is consistent with inflation sustainably remaining within the RBA's target band and will provide further relief to lower income workers who are still doing it tough,” Chalmers and Rishworth added. Since Labor took office in 2022, the minimum wage has surged by historically high margins: 5.2% in 2022 – the largest rise in 16 years – and 5.75% in 2023. In total, the minimum wage has increased by $143 per week under the Albanese government. Despite concerns from employers over weak economic growth and rising business costs, the government remains optimistic about a rebound in domestic demand. Its submission acknowledged global risks, including the potential impact of Donald Trump's trade policies, but forecast stronger growth in 2025 and 2026. Prime Minister Albanese reinforced Labor’s commitment to wage growth during a cabinet meeting this week, saying a further increase to the minimum wage would be one of his top priorities heading into the next federal election. “Labor will always stand for improving people's wages and conditions,” he declared. Still, the looming expiry of the government’s $75 quarterly electricity rebates at the end of 2025 poses a risk of reigniting inflationary pressures – something the Fair Work Commission will weigh carefully as it prepares to announce its decision in June. The outcome of the review will directly affect 180,000 workers on the national minimum wage and an additional 2.7 million on industry awards, making it a critical flashpoint in the battle over how best to balance worker welfare and economic sustainability. Images: Instagram

Money & Banking

“Angels in scrubs”: Cancer survivor's pledge to repay the nurses who saved his life

Just six months after completing one of the most aggressive cancer treatment regimens his hospital had ever seen, Shane Whiteford is lacing up his running shoes – not to escape his past, but to honour those who carried him through it. Diagnosed in December 2023 with a rare and dangerously situated Ewing Sarcoma in his neck, Shane’s year-long battle with cancer included major surgery, a gruelling 12 months of chemotherapy, and four relentless weeks of daily radiation. Now in recovery, the devoted father of two, husband and son is taking on a different kind of challenge: running 200 kilometres in the month of June to raise funds – not for hospital equipment or research – but for the nurses he calls “angels in scrubs”! “They help you understand the complexities of treatment, they talk you through each step,” Shane said. “And along the way, they become friends, therapists, a shoulder to cry on, and your rock to rely on.” From chemo chairs to emotional breakdowns, the oncology nurses at <a href="https://www.calvarycare.org.au/hospitals/calvary-mater-newcastle/services-and-clinics-3/cancer-services-3/medical-oncology" target="_blank" rel="noopener">Calvary Mater Newcastle’s Day Treatment Centre</a> were with Shane through it all. And now, he wants to give back. “This fundraiser is for them,” Shane wrote on his <a href="https://www.gofundme.com/f/oncology-nurses-at-calvery-mater-newcastle" target="_blank" rel="noopener">GoFundMe page</a>. “Not the hospital, not the directors… but for my great support team.” The funds raised will go toward whatever the nursing team chooses – “something to make their workdays a little brighter.” Running an average of six kilometres per day, Shane’s goal is part of his ongoing rehab – his return to physical fitness only beginning in February 2025 after months of debilitating treatment. “I am now six months clear and have started to gain my ‘new’ normal life,” he shared. “This run is my way of saying thank you. I couldn't have done my journey without them.” With every kilometre, Shane is not only rebuilding his strength but reminding the world of the quiet heroes in our hospitals. His battle cry? “FU Cancer. I kicked your ass.” And now, with every step, he’s lifting others up – one stride, one donation and one angel in scrubs at a time. Image: GoFundMe

Caring

"Find a life worth enjoying": King Charles opens up on his battle with cancer

King Charles III has opened up publicly for the first time about his battle with cancer, offering a heartfelt reflection on the lessons he has learned during a special event at Buckingham Palace. The monarch, who was diagnosed with cancer in February 2024, described the experience as one that “brings into sharp focus the very best of humanity”, as he addressed guests gathered to celebrate community initiatives raising cancer awareness and supporting those affected by the disease. “Each diagnosis, each new case, will be a daunting and at times frightening experience for those individuals and their loved ones,” the King said. “It has certainly given me an even deeper appreciation of the extraordinary work undertaken by the remarkable organisations and individuals gathered here this evening.” The event was attended by healthcare professionals, volunteers, advocates and families affected by cancer, many of whom Charles has supported throughout his public life. He praised their efforts, noting that his own experience had reinforced a long-held belief: that compassion and connection are vital to the healing journey. “The darkest moments of illness can be illuminated by the greatest compassion,” he said, highlighting the roles of hospice volunteers, specialist nurses and support groups in forming what he called a “community of care”. Charles also expressed his family's deep gratitude to the healthcare professionals involved in cancer treatment across the UK. “They have my whole family’s deepest admiration and gratitude,” he said. “Their care represents the very best our country can offer.” While the King has kept the specific details of his condition private, Buckingham Palace confirmed he was <a href="https://www.oversixty.com.au/health/caring/king-charles-admitted-to-hospital" target="_blank" rel="noopener">hospitalised last month</a> due to side effects from his treatment. His diagnosis came just weeks before Princess Kate, 43, revealed she was undergoing preventative chemotherapy, sparking concern and sympathy across the nation and beyond. Global statistics underscore the urgency of the fight against cancer: in 2022, approximately 20 million new cases were diagnosed worldwide, with 9.7 million lives lost, according to the American Cancer Society. Concluding his remarks, King Charles shared a quote from Dame Deborah James – the beloved British journalist and campaigner who died of bowel cancer in 2022 – whose parents were in attendance at the Palace. “‘Find a life worth enjoying; take risks; love deeply; have no regrets; and always, always have rebellious hope,’” he said. Image: Sunrise

Caring

What every parent should read before becoming the bank of mum and dad

In late 2023, economists Jarden estimated <a style="color: #467886;" href="https://www.afr.com/companies/financial-services/the-bank-of-mum-and-dad-is-good-for-70-000-new-analysis-concludes-20231129-p5enpp">15 per cent of mortgage borrowers received some form of financial support</a> from their parents. A separate poll by comparison site Finder around the same time <a style="color: #467886;" href="https://au.finance.yahoo.com/news/first-home-buyers-reveal-huge-amount-aussie-parents-gifted-them-201221909.html">put the figure at 11 per cent</a>. Fast forward to February this year, with a UBS survey <a style="color: #467886;" href="https://www.abc.net.au/news/2025-02-06/cost-of-living-sting-lessened-by-bank-of-mum-and-dad/104882754">suggesting almost half of first home buyers receive parental assistance</a>. Clearly, the Bank of Mum and Dad is a rapidly growing source of funds for younger people seeking to purchase property. However, some older Australians are now paying a hefty price for having done so without adequate planning and protections. On the hook Amid the excitement of homebuying, many parents overlook the fact they could be left on the hook to cover any shortfall. The worst-case scenario here is losing your own home, as well as your child losing theirs, if you went guarantor on their loan and they defaulted and you didn’t have a backup plan. If you loaned them money which they subsequently can’t repay, the principal amount goes unrepaid and you also miss out on the interest/compound growth that money could have earned if invested elsewhere. You may even be asked to fork out more in future if your child needs help to keep the property or to subsequently buy a replacement property. Unlike for a real bank, there is no public bailout for the Bank of Mum and Dad. Financial shortfall A common problem that I and other financial advisors are now seeing is parents inadvertently giving their children more than they can actually afford. Take people who acted as Bank of Mum and Dad before the pandemic hit. They budgeted how much they would need for retirement and then gave their adult kids money towards buying a home of their own. Then COVID-19 arrived. Countless jobs were lost and businesses shuttered. Many would-be retirees were forced to stay in the workforce for longer than planned. Next came the inflation crisis, with mortgages and living costs soaring. Retirement budgets blew-out as more money was suddenly needed for everyday expenses, particularly energy, insurance and food. Meanwhile ballooning house prices over the pandemic years saw first homebuyers needing even larger deposits. That all translated to significant financial shortfalls for the Bank of Mum and Dad. Elder abuse <a style="color: #467886;" href="https://www.aihw.gov.au/family-domestic-and-sexual-violence/population-groups/older-people#abuse">Government figures from 2023</a> estimate one in six older Australians suffer elder abuse in some form, with 2.1 per cent experiencing financial abuse – undue control, pressure or restricted access to their own money and financial decisions. Half (53 per cent) of elder abuse perpetrators are family members, with adult children the most common offenders. Given the amount of money involved in property purchases, and the stresses associated with housing affordability, the potential for the Bank of Mum and Dad to suffer elder abuse is alarmingly high. Relationship breakdowns Money is perhaps the greatest source of tension in relationships. Usually that is between partners, yet these can multiply for the Bank of Mum and Dad and its stakeholders. Some examples include: <ul> <li>You and your partner disagree on what or how much assistance to provide.</li> <li>Your other children feel disadvantaged if they don’t receive the same financial assistance.</li> <li>Having provided the finances, you then interfere in how your child manages the property or their general finances, causing resentment to build.</li> <li>A marriage breakdown (yours or your child’s) affects the repayment of a loan or the nature of a mortgage guarantee.</li> </ul> Protect yourself While supporting children is the foremost concern of the Bank of Mum and Dad, it is important to protect yourself too. A written agreement outlining the nature of the support, conditions and contingencies is crucial to keep every aligned. Independent advice from your financial adviser, lawyer, mortgage broker and accountant ensures you fully understand what you are on the hook for, how much you can afford to contribute, and whether there are less-risky options. Finally, be sure that the decision to support your child’s property ambitions is your own and that you aren’t coerced into it. If you’re concerned that you may be experiencing elder abuse, call the free <a style="color: #467886;" href="https://www.health.gov.au/contacts/elder-abuse-phone-line">elder abuse line on 1800 353 374</a>. Helen Baker is a licensed Australian financial adviser and author of the new book, Money For Life: How to build financial security from firm foundations (Major Street Publishing $32.99). Helen is among the 1% of financial planners who hold a master’s degree in the field. Proceeds from book sales are donated to charities supporting disadvantaged women and children. Find out more at <a style="color: #467886;" title="http://www.onyourowntwofeet.com.au/" href="http://www.onyourowntwofeet.com.au/">www.onyourowntwofeet.com.au</a> Disclaimer: The information in this article is of a general nature only and does not constitute personal financial or product advice. Any opinions or views expressed are those of the authors and do not represent those of people, institutions or organisations the owner may be associated with in a professional or personal capacity unless explicitly stated. Helen Baker is an authorised representative of BPW Partners Pty Ltd AFSL 548754. Image: Shutterstock

Money & Banking

Pope Francis' cause of death and burial wishes revealed

The Vatican has confirmed that Pope Francis died from a stroke followed by heart failure, according to an official statement released by the Vatican press office. The 88-year-old pontiff passed away on Easter Monday, April 21, with underlying health conditions also contributing to his death. In a statement signed by Andrea Arcangeli, Director of the Health and Hygiene Directorate of the Vatican City State, the Vatican revealed that Francis had suffered a previous episode of acute respiratory failure, along with arterial hypertension and type II diabetes. Pope Francis made his final public appearance on Easter Sunday, where he delivered a brief Easter blessing to thousands gathered in St Peter’s Square. Unable to finish reading his address, the ailing pope sat as an aide delivered the rest of the speech, which called for peace in war-torn regions such as Gaza, Ukraine and Sudan. Following his death, the Vatican also made public the burial wishes outlined in the pope’s will. Francis requested a simple burial in the ground at Rome’s Basilica di Santa Maria Maggiore – marked only with the Latin inscription Franciscus. This will be the first time in over a century that a pope will be buried outside the Vatican. According to the will, an anonymous benefactor has agreed to cover the costs of his burial. With the pontiff’s passing, the Catholic Church now enters a traditional period of mourning known as the Novendiales, lasting nine days. During this time, Pope Francis will lie in state as preparations for his funeral are made. The conclave – the sacred process to elect a new pope – is expected to begin no sooner than 15 days and no later than 20 days following his death. Pope Francis, born Jorge Mario Bergoglio, became the first pope from the Americas and the first Jesuit pope. His death marks the end of a papacy defined by humility, progressive stances and a deep focus on global humanitarian issues. Images: Wikimedia Commons

Caring

Win a free Legacy Film and capture a life story that matters

Have you ever wished you could freeze time – preserve a loved one’s stories, laughter and quiet reflections so they can be cherished for generations to come? Now you can. Danika Armytage, founder of <a href="https://www.bigstorieslittlefilms.com.au/" target="_blank" rel="noopener">Big Stories Little Films</a>, recently appeared on The Morning Show to share her mission: helping Australians preserve their life stories on film. And now, she’s giving one lucky person the chance to win a professionally made legacy film – completely free. Take a look: <iframe title="YouTube video player" src="https://www.youtube.com/embed/z1DPvQFmZFg?si=8yIDGnbaKRA20n_D" width="560" height="315" frameborder="0" allowfullscreen="allowfullscreen"></iframe> A legacy film is a beautifully crafted short documentary film that captures a life story, family history, and the wisdom passed between generations – something to treasure forever. Nominations are open throughout April, with the winner to be announced in May. Valued at over $3,000, the film can feature the life story of an individual or a couple. So how will the winner be chosen? “The story doesn’t need to be defined by fame or accolades,” Danika says. “Maybe the person has led an extraordinary life, overcome big obstacles, or perhaps this film is simply something their family deeply wants to preserve. When choosing the winning nomination, it’s really about the story that matters to the people who love them.” While the giveaway is open to everyone, Danika adds that they’re especially mindful of those for whom the timing feels particularly important. “There are some stories that really can’t wait to be told,” she explains. “But truly, I encourage everyone to apply.” If you or someone you love has a story worth telling – and treasuring – head to <a href="https://www.bigstorieslittlefilms.com.au/" target="_blank" rel="noopener">bigstorieslittlefilms.com.au</a> to submit a nomination. And if you DO win, be sure to contact us via <a href="mailto:contact@oversixty.com.au" target="_blank" rel="noopener">contact@oversixty.com.au</a> so we can share it with the world! Images: Big Stories Little Films

Movies

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

There are many reasons why you may look to refinance your home. The obvious one is to lower mortgage repayments with a better rate. However, other reasons people refinance later in life include: <ul> <li>unlocking equity to invest</li> <li>paying down other debts</li> <li>buying a holiday home</li> <li>funding extended travel</li> <li>launching a new business</li> <li>supporting children with a property deposit</li> </ul> Regardless of why you want to refinance, the points below will help you navigate your options. Changing lenders It may have been a while since you last revisited your mortgage, meaning you may not be aware of current lending options and traps. A common trick lenders use is the so-called “headline rate” to grab your attention. However, this interest rate is typically not what you end up paying. It may only be an introductory rate for the first few months, or hefty fees attached may wipe out any savings. Banks aren’t the only ones offering loans nowadays. Registered non-bank lenders, fintechs and online lenders can refinance your mortgage and provide other credit services the same as any bank; they just don’t take cash deposits. Alternatively, you could explore credit unions and mutual societies. Also consider any shareholder benefits you may have. Most banks have done away with them now but may still honour pre-existing ones. If you change lenders, you could lose this entitlement – permanently. Reverse mortgages Generally, only available to people aged 60-plus, a reverse mortgage effectively allows you to unlock equity in your home without you needing to make immediate repayments. However, they often have strict conditions including: <ul> <li>minimum borrowing amounts</li> <li>maximum borrowing ratios</li> <li>higher interest rates than standard mortgages</li> </ul> Crucially, the interest accrues over time and is repaid when you sell, move or pass away. As such, your debt liability grows over time – potentially impacting your future living arrangements and how much is left for beneficiaries in your will. The Govt has the “loan equity scheme” as another option to lenders. I just want to highlight the need to be careful with reverse mortgages. Changing homes Rather than selling, downsizing could involve making an investment property your primary residence and then renting out your existing home. This approach may require you to refinance both loans simultaneously. There will also be tax considerations to work through – including Capital Gains Tax liabilities when you do sell, negative gearing, depreciation, and changes to your income tax. Then there are the lifestyle factors to weigh up, especially if you are moving to a different area: <ul> <li>living expenses</li> <li>insurance and travel costs</li> <li>access to healthcare</li> <li>rental income</li> <li>property management expenses</li> </ul> Remember that if you have a Self Managed Super Fund (SMSF), it CANNOT own any property that you directly use yourself, including your home. Becoming Bank of Mum and Dad Refinancing can unlock equity to support adult children with their first property deposit. However, it isn’t without its risks. Ask yourself honestly: <ul> <li>Will this be a gift or loan?</li> <li>If a loan, under what terms? Will interest be applied? How and when will repayments be made? What if they default?</li> <li>What happens if their relationship breaks down, will you get your money back?</li> <li>How does going without that money affect your retirement?</li> <li>Do you have alternative assets to support you if your circumstances change?</li> <li>How does this affect inheritances or deposit contributions to your other children?</li> <li>Can you assist them another way without using your home equity?</li> </ul> Draw up a written agreement outlining all conditions and scenarios to avoid disagreements in the future. Pension impacts Don’t overlook how refinancing your home could impact your pension. While your home is exempt from the means test, any income or assets you generate from unlocking equity is not. You could inadvertently see your pension amount reduced or your eligibility voided altogether. This would come as a nasty shock if you haven’t pre-budgeted for such a change! Getting advice To ensure you get the best bang for your buck when refinancing, be sure to enlist the help of a good: <ul> <li>mortgage broker to source the best loans for your circumstances</li> <li>insurance broker to ensure your cover is right sized for your needs, risk and budget</li> <li>accountant to work through any tax implications</li> <li>estate planner to manage any changes</li> <li>financial adviser to keep your investments and financial strategy working for you</li> </ul> Ultimately, decisions – including about refinancing – are only as good the information you have at hand. So, make sure you have all the relevant facts before signing on the dotted line. Helen Baker is a licensed Australian financial adviser and author of the new book, Money For Life: How to build financial security from firm foundations (Major Street Publishing $32.99). Helen is among the 1% of financial planners who hold a master’s degree in the field. Proceeds from book sales are donated to charities supporting disadvantaged women and children. Find out more at <a style="color: #467886;" title="http://www.onyourowntwofeet.com.au/" href="http://www.onyourowntwofeet.com.au/">www.onyourowntwofeet.com.au</a> Disclaimer: The information in this article is of a general nature only and does not constitute personal financial or product advice. Any opinions or views expressed are those of the authors and do not represent those of people, institutions or organisations the owner may be associated with in a professional or personal capacity unless explicitly stated. Helen Baker is an authorised representative of BPW Partners Pty Ltd AFSL 548754.

Money & Banking

The renting trap snaring retirees – and how to avoid it

It has long been known that renting in retirement is associated with a lower quality of life. Understanding the causal factors can help you avoid a similar fate. There are many reasons why renting in retirement can be problematic. For a start, figures on how much income we need to retire comfortably usually assumes that you own your home – the cost of rent isn’t included. So, anyone using this as a guide falls well short, potentially by 20-40 per cent. Additionally: <ul> <li>Rent usually eats up a larger portion of retirement income than home ownership.</li> <li>Over time, rents typically keep rising while mortgage debts reduce.</li> <li>Home ownership provides equity to use for other investments, further boosting retirement income.</li> <li>Downsizing homeowners can make an additional superannuation contribution from the sale proceeds, which renters cannot.</li> <li>Homeowners can make accessibility modifications to meet their needs as they age, like installing ramps or rails.</li> <li>Homeowners have greater stability and aren’t subject to eviction (and moving costs) at short notice.</li> </ul> How big a problem is it? Numerous studies have highlighted the growing scale of the problem faced by renting retirees. <a style="color: #467886;" href="https://grattan.edu.au/report/renting-in-retirement-why-rent-assistance-needs-to-rise/" target="_blank" rel="noopener">The Grattan Institute</a> recently found that “two in three retirees who rent in the private market live in poverty,” and that “most older working Australians who rent do not have sufficient savings to keep paying rent in retirement.” The rental trap is also not exclusive to low-income earners. <a style="color: #467886;" href="https://everybodyshome.com.au/resources/priced-out-priced-out-an-index-of-affordable-rentals-for-australian-voters/" target="_blank" rel="noopener">Everybody’s Home</a> recently found Australians earning $100,000 per year – above the <a style="color: #467886;" href="https://www.abs.gov.au/statistics/labour/earnings-and-working-conditions/employee-earnings/latest-release" target="_blank" rel="noopener">national median of $1,396 per week</a> ($72,592 per year) – are struggling to pay their rent. The end result is that homelessness is a growing problem for over 55s – particularly women. <a style="color: #467886;" href="https://www.mercyfoundation.com.au/our-focus/ending-homelessness/older-women-and-homelessness/" target="_blank" rel="noopener">The Mercy Foundation</a> notes that homelessness among these women grew 6.6 per cent in the 2021 Census, following a huge 31 per cent increase in the 2016 Census. What is causing it? Not owning your own home in retirement is obvious answer here. But there are various contributing factors that see people forced to rent later in life, including losing their home and being financially unable to replace it. These include: <ul> <li>Divorce/separation – court and legal fees, counselling costs, division of assets (including the family home).</li> <li>Pre-retirement chronic illness – time out of the workforce for both the patient and their partner to care for them, loss of income, less going into super, and higher healthcare costs.</li> <li>Death of a partner – up-front bills like funeral expenses, surviving partner suddenly on a single income.</li> <li>Elder abuse – an estimated <a style="color: #467886;" href="https://www.aihw.gov.au/family-domestic-and-sexual-violence/population-groups/older-people#abuse" target="_blank" rel="noopener">one in six older Australians experience elder abuse</a>, including 2.1 per cent facing financial abuse.</li> <li>Domestic violence – fleeing abusive relationships with little or no money and assets.</li> <li>Climate change – loss of uninsured home/other assets as storms, floods, cyclones, and fires increase in frequency and severity.</li> <li>Scams – <a style="color: #467886;" href="https://www.nasc.gov.au/news/australians-better-protected-as-reported-scam-losses-fell-by-almost-26-per-cent" target="_blank" rel="noopener">Australians lost $2 billion to scams</a> in 2024.</li> <li>Gambling – <a style="color: #467886;" href="https://aifs.gov.au/research/research-snapshots/gambling-participation-and-experience-harm-australia" target="_blank" rel="noopener">46 per cent of gamblers are at risk of harm</a>, including losing their home.</li> <li>Housing unaffordability – soaring prices (and stamp duty) push home ownership out of reach.</li> </ul> Women often face the brunt of these effects, disadvantaged by the gender pay gap, having less in superannuation, often having primary or sole custody of children, and having less secure employment. How can you protect yourself? Thankfully, there are steps we can all take to protect ourselves and our retirement: <ul> <li>Get your foundations right for a strong financial footing – emergency fund, spending and investment plan, insurances, superannuation, estate planning.</li> <li>Make decisions jointly – letting your partner control finances alone means more risk for you and less spending oversight.</li> <li>Have contingency plans – your own bank account, independent financial and retirement plans, insurances, and back-up plans just in case.</li> <li>Get into the market ASAP – even a cheap investment property far from where you live is a financial asset and a roof over your head if needed.</li> <li>Consider co-ownership – if you can’t afford to buy property alone, split the purchase and ongoing costs with an adult child, sibling, or close friend. Alternatively, sub-let a room to offset the costs.</li> <li>Don’t settle for less – avoid accepting an unreasonable separation settlement just to resolve things quickly.</li> <li>Be alert – know the warning signs of scams, elder abuse, gambling addiction and domestic violence to avoid losing everything.</li> <li>Get independent advice – professional legal, accounting, and financial advice can help you build financial independence, create safeguards, and recover faster if disaster does strike.</li> </ul> Overall, the best thing you can do is simply to act. By being proactive instead of burying your head in the sand, your future self stands a much better chance of enjoying a comfortable retirement! Helen Baker is a licensed Australian financial adviser and author of the new book, Money For Life: How to build financial security from firm foundations (Major Street Publishing $32.99). Helen is among the 1% of financial planners who hold a master’s degree in the field. Proceeds from book sales are donated to charities supporting disadvantaged women and children. Find out more at <a style="color: #467886;" title="http://www.onyourowntwofeet.com.au/" href="http://www.onyourowntwofeet.com.au/" target="_blank" rel="noopener">www.onyourowntwofeet.com.au</a> Disclaimer: The information in this article is of a general nature only and does not constitute personal financial or product advice. Any opinions or views expressed are those of the authors and do not represent those of people, institutions or organisations the owner may be associated with in a professional or personal capacity unless explicitly stated. Helen Baker is an authorised representative of BPW Partners Pty Ltd AFSL 548754. Image: Shutterstock

Money & Banking

How long will you live? New evidence says it’s much more about your choices than your genes

<div class="theconversation-article-body"> One of the most enduring questions humans have is how long we’re going to live. With this comes the question of how much of our lifespan is shaped by our environment and choices, and how much is predetermined by our genes. A study recently published in the prestigious journal <a href="https://www.nature.com/articles/s41591-024-03483-9">Nature Medicine</a> has attempted for the first time to quantify the relative contributions of our environment and lifestyle versus our genetics in how we age and how long we live. The findings were striking, suggesting our environment and lifestyle play a much greater role than our genes in determining our longevity. <h2>What the researchers did</h2> This study used data from the <a href="https://www.ukbiobank.ac.uk/">UK Biobank</a>, a large database in the United Kingdom that contains in-depth health and lifestyle data from roughly 500,000 people. The data available include genetic information, medical records, imaging and information about lifestyle. A separate part of the study used data from a subset of more than 45,000 participants whose blood samples underwent something called “<a href="https://www.nature.com/articles/s41576-022-00511-7">proteomic profiling</a>”. Proteomic profiling is a relatively new technique that looks at how proteins in the body change over time to identify a person’s age at a molecular level. By using this method researchers were able to estimate how quickly an individual’s body was actually ageing. This is called their biological age, as opposed to their chronological age (or years lived). The researchers assessed 164 environmental exposures as well as participants’ genetic markers for disease. Environmental exposures included lifestyle choices (for example, smoking, physical activity), social factors (for example, living conditions, household income, employment status) and early life factors, such as body weight in childhood. They then looked for associations between genetics and environment and 22 major age-related diseases (such as coronary artery disease and type 2 diabetes), mortality and biological ageing (as determined by the proteomic profiling). These analyses allowed the researchers to estimate the relative contributions of environmental factors and genetics to ageing and dying prematurely. <h2>What did they find?</h2> When it came to disease-related mortality, as we would expect, age and sex explained a significant amount (about half) of the variation in how long people lived. The key finding, however, was environmental factors collectively accounted for around 17% of the variation in lifespan, while genetic factors contributed less than 2%. This finding comes down very clearly on the nurture side in the “nature versus nurture” debate. It suggests environmental factors influence health and longevity to a far greater extent than genetics. Not unexpectedly, the study showed a different mix of environmental and genetic influences for different diseases. Environmental factors had the greatest impact on lung, heart and liver disease, while genetics played the biggest role in determining a person’s risk of breast, ovarian and prostate cancers, and dementia. The environmental factors that had the most influence on earlier death and biological ageing included smoking, socioeconomic status, physical activity levels and living conditions. Interestingly, being taller at age ten was found to be associated with a shorter lifespan. Although this may seem surprising, and the reasons are not entirely clear, this aligns with <a href="https://www.sciencedaily.com/releases/2014/05/140509110756.htm">previous research</a> finding taller people are more likely to die earlier. Carrying more weight at age ten and maternal smoking (if your mother smoked in late pregnancy or when you were a newborn) were also found to shorten lifespan. Probably the most surprising finding in this study was a lack of association between diet and markers of biological ageing, as determined by the proteomic profiling. This flies in the face of the extensive body of evidence showing the crucial role of <a href="https://www.nature.com/articles/s43016-023-00868-w">dietary patterns</a> in chronic disease risk and longevity. But there are a number of plausible explanations for this. The first could be a lack of statistical power in the part of the study looking at biological ageing. That is, the number of people studied may have been too small to allow the researchers to see the true impact of diet on ageing. Second, the dietary data in this study, which was self-reported and only measured at one time point, is likely to have been of relatively poor quality, limiting the researchers’ ability to see associations. And third, as the relationship between diet and longevity is likely to be complex, disentangling dietary effects from other lifestyle factors may be difficult. So despite this finding, it’s still safe to say the food we eat is one of the most important pillars of health and longevity. <h2>What other limitations do we need to consider?</h2> Key exposures (such as diet) in this study were only measured at a single point in time, and not tracked over time, introducing potential errors into the results. Also, as this was an observational study, we can’t assume associations found represent causal relationships. For example, just because living with a partner correlated with a longer lifespan, it doesn’t mean this caused a person to live longer. There may be other factors which explain this association. Finally, it’s possible this study may have underestimated the role of genetics in longevity. It’s important to recognise genetics and environment don’t operate in isolation. Rather, health outcomes are shaped by their interplay, and this study may not have fully captured the complexity of these interactions. <h2>The future is (largely) in your hands</h2> It’s worth noting there were a number of factors such as household income, home ownership and employment status associated with diseases of ageing in this study that are not necessarily within a person’s control. This highlights the crucial role of addressing the social determinants of health to ensure everyone has the best possible chance of living a long and healthy life. At the same time, the results offer an empowering message that longevity is largely shaped by the choices we make. This is great news, unless you have good genes and were hoping they would do the heavy lifting. Ultimately, the results of this study reinforce the notion that while we may inherit certain genetic risks, how we eat, move and engage with the world seems to be more important in determining how healthy we are and how long we live.<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/251054/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/hassan-vally-202904">Hassan Vally</a>, Associate Professor, Epidemiology, <a href="https://theconversation.com/institutions/deakin-university-757">Deakin University</a> This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/how-long-will-you-live-new-evidence-says-its-much-more-about-your-choices-than-your-genes-251054">original article</a>. Image: Shutterstock </div>

Caring

"It's not our way": Young Indigenous woman speaks out against Acknowledgment of Country

A young Indigenous woman has sparked controversy by criticising the Acknowledgement of Country, claiming the practice is 'made up' and not representative of Indigenous Australian culture. Kiescha Haines Jamieson was asked on social media whether the formal observation is an 'actual traditional practice' or a 'modern white saviour thing'. 'It is a made up protocol by Reconciliation Australia,' she claimed. 'It's not culture. It's not our way.' The Acknowledgement of Country is a relatively recent practice, emerging in the 1990s during what the Keating Government called 'the Reconciliation Decade'. It was formalised as part of efforts to improve Indigenous-state relations, with former Labor senator and Yawuru man Pat Dodson playing a key role in its establishment. 'The work of the Council for Aboriginal Reconciliation encouraged strangers to recognise country, then, as people got stronger, the welcome developed,' Dodson explained. The practice is distinct from a Welcome to Country, which is a ceremony performed by a traditional owner to formally welcome visitors to their land. Acknowledgement of Country, by contrast, is often delivered by non-Indigenous people or organisations to recognise traditional owners. Ms Jamieson argued that the practice has now been 'institutionalised to make people think that it is our culture'. Her comments resonated with some social media users, who agreed that the protocol was 'made up'. 'Finally someone with the guts to tell the truth,' one user wrote. However, others pushed back, arguing that acknowledging country has deep cultural significance for some Indigenous groups. 'It's a traditional thing for our mob, but not as grand as it's shown on TV,' one commenter noted. 'It's not really a welcome, it's more like a way to notify the spirits and ancestors that mob are travelling.' Another person added: 'You don't speak for all mobs and you don't speak for mine.' Yawarllaayi/Gomeroi elder Barbara Flick Nicol has previously stated that welcoming and acknowledging visitors has existed for thousands of years in Aboriginal and Torres Strait Islander communities. 'It's always been something that we did as a people, understanding and observing the fact that when you are in somebody else's country, that you acknowledge them,' she told NITV in 2020. Ms Flick Nicol said that formal acknowledgments began appearing in New South Wales after the landmark Mabo decision in 1992, with councils raising Aboriginal flags and formally recognising traditional owners at meetings and conferences. Former federal politician and Wiradjuri woman Linda Burney, who was involved in the Council for Aboriginal Reconciliation, defended the practice, saying it evolved organically. 'It wasn't strategised or planned. Once it got out to civic life it was something that people saw as an important way to tell the truth of the Australian story,' she said. Images: Instagram

Legal

Grief as European royal passes away at just 46

Archduchess Estelle de Saint-Romain of Austria has passed away at the age of 46. A statement published in Le Figaro's Carnet du Jour confirmed that Estelle Lapra de Saint-Romain, wife of Archduke Carl Christian of Austria, died on March 4, 2025. Her family laid her to rest at the Monastère de Cimiez in Nice, France, a week later. "Her husband, Archduke Carl Christian, their children, her parents, and her in-laws are deeply saddened to announce that Archduchess Estelle of Austria, née Lapra de Saint Romain, was called to God on Tuesday, March 4, 2025," the statement read in translation. The cause of death was not disclosed, though reports indicate she had previously been diagnosed with cancer. Born in 1979, Estelle married Carl Christian in 2007. He is the great-grandson of Emperor Charles I of Austria, the last ruler of the Austro-Hungarian Empire. Together, they had five children: Zita, 17, Anezka, 15, Anna, 12, Paola, 10, and Pier-Georgia, 4. The funeral service, attended by several European royals, took place at the historic Monastère de Cimiez. Among those in attendance were Belgium's Princess Astrid, Luxembourg's Princess Marie-Astrid, the Duke of Castro, and Ferdinand of Habsburg. Brother Antonio Basso led the ceremony, remembering Estelle for her "loving wisdom" and recalling how she and her family regularly attended Mass at the monastery. Despite the dissolution of the Austrian monarchy in 1918, the Habsburg family remains prominent in European society. Estelle and Carl Christian’s wedding in 2007 attracted significant attention, with crowds gathering to witness the event. Three hundred distinguished guests attended, including Princess Astrid, Liechtenstein’s Prince Gundakar, and Jean-Christophe, Prince Napoléon. Carl Christian, the eldest son of Archduke Rodolphe de Habsbourg-Lorraine and Archduchess Marie-Hélène, née Baroness de Villenfagne de Vogelsanck, is part of an extensive noble lineage. His cousin, Archduke Karl von Habsburg, is the current head of the Austrian Imperial House. Archduchess Estelle’s passing marks a great loss for the Habsburg family and the European aristocracy, as she is remembered for her grace, devotion, and dedication to her family and faith. Image: Instagram

Caring

Cruise passenger facing life sentence after onboard discovery

A Brazilian passenger has been charged with drug-related offences after authorities discovered a significant quantity of cocaine hidden in his cruise ship cabin upon docking in Sydney Harbour on Saturday. The Australian Federal Police (AFP) allege that the 48-year-old man had concealed 10kg of cocaine within the ceiling cavity of his room aboard the vessel, which had arrived from Argentina. During a search conducted by Australian Border Force (ABF) officials, officers reportedly uncovered 28 individually wrapped parcels of the substance, which tested positive for cocaine. In addition to the drugs, authorities also discovered "body packing material" hidden in the ceiling cavity and the wardrobe. According to the AFP, such materials are commonly used by drug couriers attempting to smuggle narcotics across international borders and security checkpoints. An examination of the suspect’s mobile phone allegedly revealed further evidence linked to drug trafficking. The AFP subsequently charged the man with one count of importing a commercial quantity of a border-controlled drug and one count of possessing a commercial quantity of an unlawfully imported border-controlled drug. If convicted, he faces a maximum penalty of life imprisonment. AFP Detective Superintendent Kristie Cressy highlighted the potential impact of the drug haul, noting that the seized cocaine could have been distributed in 10,000 individual street deals, with an estimated street value of $3 million. “This amount of cocaine could have been sold in the community as 10,000 individual street deals of 1 gram for about $3 million,” Cressy stated. “Drug traffickers are motivated by greed, and they do not care about the harm they cause. These drug deals put pressure on the health system.” The Australian Institute of Health and Welfare reports that between 2022 and 2023, there were more than two hospitalisations per day in Australia due to drug-related incidents. ABF Superintendent Matt O’Connor acknowledged the increased risk of drug smuggling during the cruise season but reassured the public of law enforcement's vigilance in tackling such operations. “The cruising season brings with it additional opportunities for criminal syndicates to attempt to smuggle illicit drugs into the country; however, Border Force officers are very attuned to their pivoting tactics,” O’Connor said. “Our ABF officers process and border-clear thousands of passengers and crew members on every international cruise ship which arrives into Sydney and are ready to respond to any threat which may present itself.” The accused is set to appear in court as investigations continue into the broader implications of the smuggling attempt. Images: Australian Federal Police

Travel Trouble

An artificial heart may save your life. But it can also change you in surprising ways

<div class="theconversation-article-body"> This week, <a href="https://www.theguardian.com/australia-news/2025/mar/12/australian-man-survives-100-days-with-artificial-heart-in-world-first-success">doctors announced</a> that an Australian man with severe heart failure had left hospital with an artificial heart that had kept him alive until he could receive a donor heart. The patient, a man from New South Wales in his 40s, was not the world’s first person to receive this type of artificial heart. However, he is <a href="https://www.svhs.org.au/newsroom/news/australia-first-total-artificial-heart-implant">said to be</a> the <a href="https://www.monash.edu/news/articles/australias-first-durable-total-artificial-heart-implant-announced-as-a-success">first with one to be discharged from hospital</a> to wait for a heart transplant, which he’s since had. <blockquote class="twitter-tweet"> WARNING: GRAPHIC CONTENT This machine has enabled an Australian man with severe heart failure to be the first person in the world to leave hospital with an artificial heart transplant <a href="https://t.co/6S12mINwBm">pic.twitter.com/6S12mINwBm</a> — Reuters (@Reuters) <a href="https://twitter.com/Reuters/status/1899862954155126824?ref_src=twsrc%5Etfw">March 12, 2025</a></blockquote> I am a philosopher and bioethicist. I <a href="https://bridges.monash.edu/articles/thesis/Phenomenology_and_Artificial_Hearts/22312204">completed my PhD</a> on artificial hearts – particularly how these implants can change people’s lives in profound ways. Here’s what patients and their families need to consider. <h2>What is an artificial heart?</h2> Artificial hearts began to be developed in the 1960s, sponsored by the United States government and funded in a similar way to space and military programs. In 1982, a man named <a href="https://www.historynewsnetwork.org/article/hero-or-victim-the-25th-anniversary-of-barney-clar">Barney Clark</a> received the Jarvik-7 total artificial heart. Doctors removed his failing biological heart and replaced it with a plastic and metal device to circulate blood to his lungs and around his body. He lived for 112 days before dying from multi-organ failure. He never left hospital. In the 1980s and 1990s, medical device companies began to develop alternatives to total artificial hearts. These partial artificial hearts, known as ventricular assist devices, help out a biological heart by supplementing or replacing one of its two pumping chambers. These are more straightforward and versatile than total artificial hearts, and can be used for earlier stages of heart failure. Not all artificial hearts generate a pulse. Artificial hearts with a pulse generally mimic the biological heart. They pump blood in the same way the heart beats, by filling with blood and squeezing to circulate blood in waves or pulses. But some devices continuously push blood around the body instead of pulsing. So with these continuous-flow devices neither the patient nor their health team can <a href="https://link.springer.com/article/10.1007/s11906-017-0782-6">detect a pulse</a>. <a href="https://linkinghub.elsevier.com/retrieve/pii/S0003497524008749">In the US between 2014 and 2024</a>, almost 30,000 patients received continuous-flow ventricular assist devices. In the same period, more than 310 total artificial hearts were implanted. The total artificial hearts <a href="https://www.syncardia.com/syncardia-total-artificial-heart-stah.html">commercially</a> <a href="https://www.carmatsa.com/en/our_product/">available</a> today are licensed exclusively as bridging therapies – to keep people alive until a donor heart becomes available – rather than permanent implants. <h2>How about the device making news this week?</h2> The device in the news – the <a href="https://www.monash.edu/news/articles/australias-first-durable-total-artificial-heart-implant-announced-as-a-success">BiVACOR Total Artificial Heart</a> – was developed by a US-Australian collaboration. This device is innovative, mainly because it is the first continuous-flow device designed to replace the whole heart. Designers are also aiming for it to be the first total artificial heart suitable as a permanent transplant (known as destination therapy). A reliable, durable and responsive total artificial heart is, <a href="https://www.abc.net.au/news/2025-03-12/sydney-hospital-artificial-heart-implant-operation-success/105036154">in the words</a> of Paul Jansz, the surgeon who implanted the device, “the Holy Grail”. The BiVACOR’s clinical success so far gives us reason to be optimistic about an alternative to scarce donor hearts for responding to severe heart failure. <figure class="align-center zoomable"><a href="https://images.theconversation.com/files/655013/original/file-20250313-56-4w24qy.jpg?ixlib=rb-4.1.0&rect=12%2C12%2C8231%2C5475&q=45&auto=format&w=1000&fit=clip"><img src="https://images.theconversation.com/files/655013/original/file-20250313-56-4w24qy.jpg?ixlib=rb-4.1.0&rect=12%2C12%2C8231%2C5475&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/655013/original/file-20250313-56-4w24qy.jpg?ixlib=rb-4.1.0&q=45&auto=format&w=600&h=400&fit=crop&dpr=1 600w, https://images.theconversation.com/files/655013/original/file-20250313-56-4w24qy.jpg?ixlib=rb-4.1.0&q=30&auto=format&w=600&h=400&fit=crop&dpr=2 1200w, https://images.theconversation.com/files/655013/original/file-20250313-56-4w24qy.jpg?ixlib=rb-4.1.0&q=15&auto=format&w=600&h=400&fit=crop&dpr=3 1800w, https://images.theconversation.com/files/655013/original/file-20250313-56-4w24qy.jpg?ixlib=rb-4.1.0&q=45&auto=format&w=754&h=503&fit=crop&dpr=1 754w, https://images.theconversation.com/files/655013/original/file-20250313-56-4w24qy.jpg?ixlib=rb-4.1.0&q=30&auto=format&w=754&h=503&fit=crop&dpr=2 1508w, https://images.theconversation.com/files/655013/original/file-20250313-56-4w24qy.jpg?ixlib=rb-4.1.0&q=15&auto=format&w=754&h=503&fit=crop&dpr=3 2262w" alt="Hand holding the BiVACOR artificial heart" /></a><figcaption>This device is designed to replace the whole heart, and for now, is licensed as a temporary implant, ahead of a heart transplant. BiVACOR TIQ</figcaption></figure> <h2>Transplants can change lives</h2> However, patients do not just resume their old lives when they leave hospital with an artificial heart. While the pumping component is inside their chest, there are also <a href="https://www.instagram.com/p/BHW0ATvgFDu/?hl=en">external components</a> to manage and monitor. A thick tube perforates their abdomen and connects to an external controller unit and power supply, which the patient carries around in a bag. Controllers must be closely monitored, and batteries must be regularly recharged. My research showed that even a perfectly safe and reliable total artificial heart could transform patients’ lives in at least three major areas. 1. Is it part of me? Do I trust it? Patients must <a href="https://www.tandfonline.com/doi/10.1080/09638288.2020.1717648">trust, tolerate and receive sensory feedback about how the device is working</a> for it to feel like part of them. In the case of an artificial heart, this might mean the device feels responsive to exercise and the body’s needs. But it may be difficult for artificial hearts to meet these criteria, especially for devices that do not generate a pulse. Patients may also question whether their heart is located in their body, or in the controller unit. They may wonder if they even have a heart, particularly if they can’t feel a pulse. 2. Beeps and alarms An artificial heart also changes how patients live their lives and <a href="https://link.springer.com/article/10.1007/s11097-024-10050-7">navigate the world</a>. Interruptions from <a href="https://journals.sagepub.com/doi/10.1177/1049732317700853">loud device alarms</a> distract patients from their normal activities. And patients must switch between mains power and batteries when they <a href="https://linkinghub.elsevier.com/retrieve/pii/S0147956311002718">wake in the night and need to visit the toilet</a>. 3. Marking time Our hearts may be our <a href="https://www.frontiersin.org/journals/neurorobotics/articles/10.3389/fnbot.2014.00015/full">natural</a> <a href="https://linkinghub.elsevier.com/retrieve/pii/S0301051111000032">metronomes</a>, marking time. So removing someone’s heart rhythm can confuse their sense of time. The need for batteries to be recharged periodically can also reshape patients’ days. Waiting around for a transplant heart, or the latest software update, may change patients’ perspectives on what months and years feel like. <h2>We need to give patients the whole picture</h2> Artificial hearts are remarkable devices with great promise. But patients and families also deserve to know how these extraordinary treatments might change how they feel about themselves and the world. They need to know this before they sign up for them. Artificial hearts don’t just save lives – they also change them.<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/252165/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> By <a href="https://theconversation.com/profiles/pat-mcconville-2344684">Pat McConville</a>, Lecturer in Ethics, Law, and Professionalism, School of Medicine, <a href="https://theconversation.com/institutions/deakin-university-757">Deakin University</a> This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/an-artificial-heart-may-save-your-life-but-it-can-also-change-you-in-surprising-ways-252165">original article</a>. Image: Shutterstock </div>

Body

Prince Robert of Luxembourg announces youngest son's death

Prince Robert of Luxembourg has announced the heartbreaking loss of his youngest son, Frederik, at the age of 22. Frederik is Prince Robert's youngest son with wife Princess Julie of Nassau. According to a statement shared on the <a href="https://polgfoundation.org/frederik/" target="_blank" rel="noopener">POLG Foundation's</a> website, Frederik died on March 1 in Paris, France, from POLG Mitochondrial disease, a rare genetic disorder that causes progressive multiple organ dysfunction and failure. "It is with a very heavy heart that my wife and I would like to inform you of the passing of our son, The POLG Foundation Founder and Creative Director, Frederik," the statement, written by Robert began. Frederik, was born in Aix-en-Provence, France, on March 18, 2002, with POLG Mitochondrial disease, but was only diagnosed at the age of 14. He and his father later co-founded the POLG Foundation, with Frederik serving as Creative Director while Robert served as Chair. "Last Friday, February 28th, on 'Rare Disease Day', our beloved son called us in to his room to speak to him for one last time," the statement continued. "Frederik found the strength and the courage to say goodbye to each of us in turn." That included his brother, 27-year-old Prince Alexandre, his sister, 29-year-old Princess Charlotte and her 27-year-old husband, Mansour Shakarchi. Frederik also said his final goodbyes to his father's sister, Princess Charlotte, her husband Marc Victor Cunningham, and their three children: Charly, Louis, and Donall. "He had already spoken all that was in his heart to his extraordinary mother, who had not left his side in 15 years," Robert continued. "After gifting each of us with our farewells – some kind, some wise, some instructive – in true Frederik fashion, he left us collectively with a final long-standing family joke. "Even in his last moments, his humour, and his boundless compassion, compelled him to leave us with one last laugh….to cheer us all up." Prior to his other goodbye messages, Robert said, Frederik asked him: "Papa, are you proud of me?" "He had barely been able to speak for several days, so the clarity of these words was as surprising as the weight of the moment was profound," Robert wrote. "The answer was very easy, and he had heard it oh so many times, but at this time, he needed reassurance that he had contributed all that he possibly could in his short and beautiful existence and that he could now finally move on." "Frederik knows that he is my Superhero, as he is to all of our family, and to so very many good friends," Robert continued, noting how his son "was born with a special capacity for positivity, joy, and determination." "When he was little, I would always say that if there is one child of ours that I would never need to worry about, it was him," he continued. "He has social skills like no other, an amazing sense of humour, an emotional intelligence and compassion that were off the charts, a sense of justice, fairness and decency that knows no bounds. He was disciplined and organised beyond belief. " "Frederik is particularly headstrong (at times, I might have used the word stubborn). This serves him well. I cite him as being here in the present because I know that, though physically absent, he is still here, inspiring us and pushing us forward. His mission is not complete, and we all have much work left to do." Robert then thanked their family for their "messages of support and love", before asking those reading the tribute to volunteer with or donate to the POLG Foundation in Frederik's memory. "With our Superhero's help we hope to turn our deep grief into positive results and therewith follow his unwavering example," he wrote. "His ultimate message is one of hope, compassion, and resilience! We are all so very proud of you, Frederik. I am so very proud of you! We love you!" Images: The POLG Foundation

Caring

Gene Hackman's cause of death revealed

The cause of death of legendary actor Gene Hackman, 95, and his wife Betsy Arakawa, 65, has finally been confirmed, more than a week after they were <a href="https://www.oversixty.com.au/health/caring/sad-new-details-emerge-in-gene-hackman-case" target="_blank" rel="noopener">discovered in their Santa Fe home</a>. The couple was found deceased in their residence on February 26, prompting an investigation by authorities. Dr Heather Jarrell, Chief Medical Examiner for New Mexico, disclosed at a press conference that Hackman succumbed to cardiovascular disease, with advanced Alzheimer’s disease being a significant contributing factor. His wife, Betsy Arakawa, died around seven days earlier from hantavirus pulmonary syndrome, a rare infectious disease contracted through exposure to rodents and their excrement. Authorities found evidence of rodent intrusion in the couple’s home, believed to be the source of Arakawa’s infection. Based on her movements and email communications, Dr Jarrell determined that Arakawa likely passed away on February 11, while Hackman is believed to have died on February 18. Santa Fe County Sheriff Adan Mendoza confirmed that Hackman was likely at home with his deceased wife for seven days before his own death. Dr Jarrell noted that Hackman was in "very poor health", and it was unclear how he managed in his final days without his wife's assistance. Given his advanced Alzheimer’s, Jarrell suggested that it was possible he was unaware that his wife had passed away. “There was no food in his stomach, which means he had not eaten recently, but he had no evidence of dehydration,” she stated. Hantavirus pulmonary syndrome is a severe and often fatal respiratory disease. According to the Mayo Clinic, it begins with flu-like symptoms and rapidly progresses to serious lung and heart complications. The best prevention is avoiding contact with rodents and properly managing rodent-prone areas. Dr Jarrell’s findings confirmed that Hackman had severe heart disease, with evidence of multiple prior heart attacks and chronic high blood pressure. A full-body post-mortem examination showed no signs of trauma. He tested negative for COVID-19, influenza and other respiratory illnesses, as well as hantavirus and carbon monoxide poisoning. Similarly, Arakawa’s autopsy revealed no external or internal trauma. Laboratory tests confirmed the presence of hantavirus, ruling it as the cause of her death. Other tests for respiratory viruses and toxins returned negative results. Dr Jarrell said that there were “no other significant natural disease findings” in either case, and that all medications found in the home were taken as prescribed and did not contribute to their deaths. The tragic passing of Gene Hackman and Betsy Arakawa marks the end of an era for Hollywood, with fans mourning the loss of the two-time Academy Award-winning actor. Hackman, known for his roles in The French Connection, Unforgiven and The Royal Tenenbaums, retired from acting in 2004. The couple had been residing in Santa Fe for many years, enjoying a quiet life away from the public eye. Image: Instagram

Caring

Steve Smith's huge retirement news

Australian veteran cricketer Steve Smith has announced his retirement from One Day International cricket. The 35-year-old, who stepped in to fill Pat Cummins’ captaincy role during the ICC Champions Trophy tournament, has played his 170th and last match in the ODI format, losing to India by four wickets. After the epic showdown, Smith fronted the media to make the bombshell announcement that his time in the green and gold 50-over uniform had come to an end, effective immediately. He said, “Now is a great opportunity for people to start preparing for the 2027 World Cup so it feels like the right time to make way.” A two-time Australian ODI player of the year and a member of the ICC’s ODI Team of the Year in 2015, Smith plans to continue playing Test matches for some time yet. “Test cricket remains a priority and I am really looking forward to the World Test Championship Final, the West Indies in the winter and then England at home,” he added. “I feel I still have a lot to contribute on that stage.” Cricket Australia chief executive Todd Greenberg led the tributes to Smith, stating: “Congratulations to Steve on an amazing One-Day International career during which he has made a vast contribution to Australia’s performances in the 50-over format." “Right up until his final ODI innings Steve exhibited an incredible ability to accumulate runs in all conditions and his astute leadership has been crucial in the team’s ongoing success including the 2015 and 2023 ICC World Cup victories." “We’re fortunate Steve still has much to offer in the Test and T20 arenas and I look forward to witnessing the next stage of one of cricket’s great careers.” Image credits: RAHAT DAR/EPA-EFE/Shutterstock Editorial

Retirement Life

Young couple sold almost everything to live on a cruise ship

Two savvy US school teachers Monica Brzoska, 32, and Jorrell Conley, 36, have sold almost all of their possessions to live at sea. The couple fell in love with cruising after travelling to Mexico, Belize and Grand Cayman almost a decade ago. In 2023, after Monica's father fell ill, she was inspired to live the life she had always wanted. "Don’t wait for retirement to follow your dreams. Do it now," her mother had told her. That's when she and her husband made the life-changing decision. “Instead of coming back, why not keep booking consecutive cruises for as long as we could afford to?” Monica told The Sun. “It sounds mad, but the numbers made sense. Accommodation, food and entertainment would be included – we’d only need spending money. “And because we’d been on so many Carnival cruises, we’d earned access to some amazing offers. “If we chose the cheapest cabins, our savings from the pandemic would allow us to book eight months of cruising for $16,000 – some trips paid for in full, others with deposits. “We could then use the rent from our three-bedroom house in Memphis to make extra payments as needed. Many cruises start and end in the same ports, so we knew we’d be able to disembark and easily board our next ship, or otherwise fly to the port.” <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/DEQkivEJ0DS/?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/DEQkivEJ0DS/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by Monica Brzoska (@life_by_any_means)</a> </div> </blockquote> The pair quit their jobs, sold most of their possessions and rented out their three-bedroom home in Memphis, and have been cruising for almost two years now. Since making the move, the couple have completed 36 consecutive cruises and visited almost 50 countries. “I instantly felt free,” she said. “People are amazed when they hear we live on ships, and I’m always happy to share the tricks we’ve learned to save money. We’ve won excursion tickets, jewellery and spa treatments in onboard raffles, while on land, we do our own tours, using local transport to explore," she said. However, she admitted that there are a few challenges, including missing family, but regardless "it really is a dream come true". Image: Instagram

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