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Radio host at the centre of fatal royal prank sues network

More than a decade after a prank call to a London hospital triggered international outrage and tragedy, Australian radio presenter Michael Christian is suing Southern Cross Austereo (SCA), claiming the broadcaster failed to protect and support him in the aftermath. Christian was co-hosting 2Day FM’s breakfast show alongside Mel Greig in December 2012 when the pair placed an on-air prank call to King Edward VII Hospital, where the then-Duchess of Cambridge, Kate Middleton, was being treated for severe morning sickness. Christian, who had only been on the job for two days, claims in a newly filed federal court lawsuit that he and Greig were instructed by the show's production team to impersonate King Charles and Queen Elizabeth II to extract medical information. The call was answered by nurse Jacintha Saldanha, who transferred the hoax call through to the Duchess’ attending nurse. Days later, Saldanha was found dead, having taken her own life. In a note left behind, she blamed the radio stunt and the hospital’s handling of the situation for her death. The incident sparked a global media storm, intense public criticism and death threats directed at the hosts. Christian’s lawsuit alleges that SCA did little to shield them from the backlash. According to the court documents, Christian was assured by the company that if any broadcast content crossed a line, SCA would “step in”. His legal team claims that promise was broken: “The radio presenters were left by SCA as the convenient fall guys and scapegoats for SCA management decisions and non-compliance”. Christian also alleges the prank violated the Australian Communication and Media Authority code of practice. The documents state that the reason for the long delay in taking legal action was SCA’s promise to restore Christian’s reputation and help rebuild his career – a promise he claims was never fulfilled. His lawyers argue that the broadcaster failed to provide “meaningful health support”, initiate a public relations campaign to repair his public image, or offer career advancement or financial recognition for his continued loyalty. The situation escalated earlier this year when Christian was made redundant by the company in February. He contends the redundancy was not genuine, stating, “SCA still requires (his) former role to be performed”. Now, Christian is seeking financial compensation, damages, and penalties for what he describes as SCA’s negligence and breach of duty. Southern Cross Austereo has not yet filed a defence but issued a brief public statement: “As the matter is currently before the courts, and out of respect for the legal process and the privacy of those involved, it would be inappropriate for us to comment at this time.” A court date is yet to be set. Image: Supplied

Legal

Should Australia scrap superannuation? Experts clash in heated debate

Australia’s superannuation system has come under intense scrutiny after two financial experts clashed in a fiery debate on SBS’s Insight, with one economist declaring the system should be dismantled entirely – and the other branding that idea “insane”. The central question – should Australia’s superannuation system be scrapped? – sparked impassioned responses from both Cameron Murray, chief economist at Fresh Economic Thinking, and Andy Darroch, independent financial adviser and director at Independent Wealth Advice. Dr Murray argued the system is fundamentally flawed and does more harm than good, claiming it primarily benefits the wealthiest Australians while failing to assist the poor or the already rich. “It’s skewed to the people who would never be on the age pension and would be independently wealthy at retirement age anyway,” he told the program. <a href="https://www.news.com.au/finance/superannuation/call-to-scrap-australias-superannuation-system-sparks-heated-debate/news-story/ab56297c9ce2f43d9cb5808ab8593084" target="_blank" rel="noopener">Speaking to news.com.au after the broadcast</a>, Dr Murray pointed to major inefficiencies in the current setup, calling super an “unnecessary industry” that drains national talent and resources. He also raised concerns about accessibility, noting that one in seven men die before ever touching their super savings. “Super doesn’t help the poor, who generally will still need to rely on the pension. It doesn’t help the rich, as they have enough wealth to support themselves,” Dr Murray said. “It only increases the retirement income of the middle by making them poorer when they are young and poor with a family to support, so they can be richer when they are old and rich with no one to support.” Dr Murray proposed a radical alternative: abolish compulsory super entirely and allow Australians to access that money during their working lives. He suggested a phased transition, with capped annual withdrawals and eventual conversion of super funds into non-tax-advantaged investment accounts. In stark contrast, Mr Darroch defended the system as one of Australia’s greatest economic achievements. “You would have to be insane to want to get rid of it,” he said on Insight, calling Australia’s super setup the “envy of the world”. He said scrapping it would be “the single most destructive thing you could do to middle class Australians” and warned it could plunge a third of the population into poverty during retirement. “I think Australia is the only country on Earth that you can have a nurse and a diesel fitter get to age 65 with close to a million dollars in super,” he said. Mr Darroch also pushed back against arguments that superannuation could or should be used to address issues like housing affordability or the cost of living. “Understandably, people see their superannuation balance and have a desire to use it to assist with housing,” he said, “but superannuation can’t and won’t fix housing. Any of the suggestions won’t even move the dial.” Worse still, he warned, using super to fund home ownership or ease short-term cost-of-living pressures would ultimately “create systemic issues with poverty in retirement”. As for Dr Murray, he believes that without super, most Australians would still save voluntarily and fall back on the age pension if needed – an existing system he says already keeps older Australians out of poverty. “The age pension is the safety net,” he said. “We can quibble about its adequacy, but we should do it in the context of all welfare payments.” With the future of superannuation now firmly back in the spotlight, it’s clear that while the system may need reform, whether to overhaul – or outright abolish – it remains a fiercely divisive question. Images: SBS

Retirement Income

Royal family shares sweet Father’s Day moment with Prince William

Prince George, Princess Charlotte and Prince Louis have delighted royal fans by sharing a heartwarming Father’s Day tribute to their “Papa”, Prince William. The post, shared on the official social media pages of the Prince and Princess of Wales, features two joyful photos captioned “before and after” – showing the children first hugging their father, and then in a playful heap on top of him. “Happy Father’s Day, Papa (before and after!) We love you! G, C & L,” the message read. The candid images were captured earlier this year in Norfolk by photographer Josh Shinner, who also took Prince Louis’s birthday portraits. One photo shows Prince William, dressed casually in a green jumper and jeans, with his arms around George, 11, and Charlotte, 10, as Louis, seven, beams in front. The second picture captures a fun moment with the family bundled together, lying on grass dotted with daffodils. <blockquote class="twitter-tweet"> Happy Father’s Day, Papa (before and after!) We love you! G, C & L 💖 📸 Josh Shinner <a href="https://t.co/elSVlgcyWQ">pic.twitter.com/elSVlgcyWQ</a> — The Prince and Princess of Wales (@KensingtonRoyal) <a href="https://twitter.com/KensingtonRoyal/status/1934159671868223532?ref_src=twsrc%5Etfw">June 15, 2025</a></blockquote> The post comes just a day after the family marked Trooping the Colour, celebrating King Charles’s official birthday, with another rare posed photo. Royal Father’s Day tributes are a cherished tradition. Last year, Prince William shared a nostalgic snap of himself playing football with King Charles in 1984, while this year Buckingham Palace posted touching images of Prince Philip with a young King Charles, and the Queen with her father on her wedding day. <blockquote class="twitter-tweet"> To all Dads everywhere, we wish you a happy Father’s Day today. <a href="https://t.co/pqIK97NqlW">pic.twitter.com/pqIK97NqlW</a> — The Royal Family (@RoyalFamily) <a href="https://twitter.com/RoyalFamily/status/1934159021633675308?ref_src=twsrc%5Etfw">June 15, 2025</a></blockquote> The message from Buckingham Palace echoed the warm sentiment: “To all Dads everywhere, we wish you a happy Father’s Day today.” Images: X (Formerly Twitter)

Family & Pets

Oldest member of royal family dies just before 101st birthday

Countess Marianne Bernadotte, the beloved and longest-living member of the Swedish and Danish royal family, has died at the age of 100. Her passing marks the end of an extraordinary chapter in European royal and cultural life. According to her daughter, who spoke to Swedish news agency TT, the countess passed away peacefully in her sleep, surrounded by her closest relatives at a nursing home in Gärdet, Stockholm. "It was calm and peaceful," she said. "She was over 100 years old, with only two months to her 101st birthday." Born Marianne Lindberg, she carved out a name for herself long before becoming royalty. As a talented actress with the Royal Dramatic Theatre, she was known for her compelling performances and collaborations with renowned artists of her time. She first married Gabriel Tchang, son of a Chinese ambassador, in 1947. The couple had three children – Robert Gabriel, Richard Antoine and Marie Gabrielle. Tragically, both sons passed away before her: Richard at just two years old and Robert in 2012. In 1961, she wed Count Sigvard Bernadotte, the second son of King Gustaf VI Adolf of Sweden, becoming the aunt by marriage to the current King Carl XVI Gustaf. She was also the great-aunt of King Frederik X of Denmark through her ties to Queen Margrethe II. She was widowed in 2002. Countess Bernadotte was deeply committed to philanthropic work. After losing her son Richard to complications that led to blindness, she and her husband founded the Sigvard and Marianne Bernadotte Research Foundation for Paediatric Eye Care. Her advocacy extended to dyslexia awareness, inspired by her brother and other royal family members who faced the condition. She had a deep appreciation for the arts and fashion. Recognised as one of the ten best-dressed women in the world, her enduring relationship with the Balmain fashion house and other haute couture designers became a hallmark of her public image. In 2017, a special exhibition honouring her fashion legacy was opened by her grandniece, Crown Princess Victoria. Her passing is mourned not only by her family but by a nation that admired her elegance, strength and unwavering dedication to causes close to her heart. She is survived by her daughter Marie Gabrielle, several grandchildren and a great-grandson. Images: Instagram

Caring

“Mum always found the joy”: Beatrice and Eugenie open up on royal divorce

Princess Beatrice and Princess Eugenie have spoken candidly about the impact of their parents’ divorce and the enduring strength of their mother, Sarah Ferguson, Duchess of York. Appearing on the "Lessons from our Mothers" podcast, hosted by Isabella Branson and Cressida Bonas – actress and former girlfriend of Prince Harry – the royal sisters shared heartfelt reflections on their upbringing and the lessons imparted by their mother during challenging times. Beatrice recalled the difficult period during their parents' separation, which began in 1992 when she was just eight years old and Eugenie was six. Despite the emotional turmoil, she remembered it as a time still filled with positivity and a sense of adventure, thanks to their mother’s optimistic spirit. “Mum's ability to sort of jump into any situation,” Beatrice said, was something she admired and now emulates. “There was always an adventure to be had. Even during some of the harder times through divorce and through challenging moments… she had an ability to kind of jump into things with two feet.” She added that those early memories are precious and formative: “It's this sort of way with which she just brought that joy to moments.” Prince Andrew and the Duchess of York, affectionately known as "Fergie", were married in 1986 and formally divorced in 1996. Long naval deployments and conflicting responsibilities are believed to have contributed to the breakdown of their marriage. In a 2007 interview with Harper’s Bazaar, Fergie explained, “I wanted to work; it's not right for a princess of the royal house to be commercial, so Andrew and I decided to make the divorce official so I could go off and get a job.” Despite the separation, the couple have maintained a close relationship, cohabiting in separate wings of the Royal Lodge since 2008. They often refer to themselves as the "happiest divorced couple", setting a rare example of post-divorce harmony. Images: Instagram

Family & Pets

Royal reveal: Charles and Camilla's coronation portraits unveiled at last

In a moment steeped in regal tradition, the official coronation portraits of King Charles III and Queen Camilla were recently revealed to the public at London’s National Gallery – two years after the historic coronation ceremony at Westminster Abbey. Marking a legacy that spans over 400 years, the portraits capture the monarchs in striking fashion, echoing a time-honoured custom that has long defined how sovereigns are remembered. The King, adorned in his robe of state and standing beside the gleaming Imperial State Crown, gazes solemnly from the canvas, his figure framed by the grandeur of the Throne Room at St James’s Palace. Unveiled personally by Their Majesties, the portraits will remain on display for a month before finding a permanent home within the halls of Buckingham Palace, according to an official statement. <blockquote class="twitter-tweet"> Take a closer look at the Coronation State Portraits of King Charles III and Queen Camilla... Commissioned to mark Their Majesties' Coronation in 2023, the portraits were unveiled by The King and Queen at the National Gallery earlier today. Click to find out more. — The Royal Family (@RoyalFamily) <a href="https://twitter.com/RoyalFamily/status/1919724405887783082?ref_src=twsrc%5Etfw">May 6, 2025</a></blockquote> The unveiling comes during a challenging chapter in King Charles’ life. Now 76, the King has continued fulfilling royal duties while receiving treatment for an unspecified form of cancer, diagnosed in early 2024. Despite his health challenges, he sat for his portrait with characteristic grace and determination. The King selected renowned artist Peter Kuhfeld to create his portrait. “I have tried to produce a painting that is both human and regal,” Kuhfeld shared, “continuing the tradition of royal portraiture.” The result is a masterwork that balances solemn dignity with personal vulnerability – an image for the ages. Queen Camilla, resplendent in her ivory silk coronation gown, chose Paul Benney to paint her likeness. Standing beside a different crown, her portrait exudes strength and poise. Benney described his aim as showing “the humanity and empathy of such an extraordinary person taking on an extraordinary role”. This double unveiling rekindles a royal tradition dating back to the portrait of King James I in 1620 – a symbol of sovereign authority and cultural continuity. While historically used to assert power, today’s portraits serve as a testament to endurance, service and the deep personal commitment of the modern monarchy. Images: X (formerly Twitter), Royal Family

Art

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

Experts debunk dominant theory in Hackman deaths

It's been a week since acting legend Gene Hackman and his wife Betsy were both <a href="https://www.oversixty.com.au/health/caring/sad-new-details-emerge-in-gene-hackman-case" target="_blank" rel="noopener">found dead</a> in their Santa Fe home. Gene, 95, was found dead in the home's mudroom, with his cane nearby, while his 65-year-old wife was found in the bathroom, near an open bottle of prescription pills. Preliminary autopsies have ruled out carbon monoxide poisoning as a cause of death, and Santa Fe Sheriff Adan Mendoza confirmed the actor had likely died about nine days before the bodies were discovered. While there's been speculation that the death could have been a "companion suicide", experts have casted their doubts on this theory. James Gill, Chief Medical Examiner with the Connecticut Office of the Chief Medical Examiner, told <a href="https://people.com/gene-hackman-wife-betsy-suicide-less-likely-says-expert-exclusive-11690593" target="_blank" rel="noopener">People </a>that it is unlikely the couple decided to end their lives together, as their bodies were found in different locations. While he is not working on the case, he offered his expert opinion, saying: “I’ve seen cases like that — usually they’re together in bed,” “The fact that they’re in two separate locations tells me that I think that’s less likely.” One of the couple's three dogs was also found dead inside the home, adding to the mystery. “From the initial kind of circumstances, it seems like he may have collapsed — he’s got a history of heart disease. He’s got a pacemaker. So that would not be unusual,” Gill told People. He also ruled out the theory that he had died after Betty because she was not around to take care of him. “Sometimes we’ll see instances where someone is bedridden and maybe they have dementia and then their caregiver dies from a natural event, and then there’s no one there to take care of them, and then they can die from dehydration or what have you. I don’t think that’s the case in this,” he said. Forensic pathologist Dr. Michael Baden believes that the couple's death could be the result of a tragic accident, suggesting that Hackman's pacemaker could provide clues as to what happened. “That event would have been a cardiac arrest caused by an abnormal pulse rate,” he said. “The pacemaker keeps track of the pulse, and when it gets down too low, it discharges. And that’s all in the record.” “So the autopsy showed he didn’t have any injury,” Baden continued. “There was no carbon monoxide. And he had — the most common cause of death in this country — severe heart disease, coronary artery disease and high blood pressure perhaps, from what’s been released. So that would cause him, having cardiac arrest in the mudroom, to collapse right there.” Dr. Baden suggested that Hackman's wife Betsy could have died while trying to help him. “She may have struck her head on the way down and had some internal injury to the brain that doesn’t show up on the outside or bleeding in the inside of the brain,” he said. “Or that she may also, at 65, had severe heart disease and excitement can cause a trigger to the cardiac rhythm causing death under those circumstances. I think the first, that striking her head would be more common.” A criminal investigation was launched this week after New Mexico authorities deemed the circumstances around the couple’s deaths “suspicious.” Image: Dave Lewis/ Shutterstock Editorial <p style="box-sizing: border-box; margin-top: 0px; margin-bottom: 1rem; color: #212529; font-family: -apple-system, 'system-ui', 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif, 'Apple Color Emoji', 'Segoe UI Emoji', 'Segoe UI Symbol', 'Noto Color Emoji'; font-size: 16px; background-color: #ffffff;">Need to talk to someone? Don't go it alone. <p style="box-sizing: border-box; margin-top: 0px; margin-bottom: 1rem; color: #212529; font-family: -apple-system, 'system-ui', 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif, 'Apple Color Emoji', 'Segoe UI Emoji', 'Segoe UI Symbol', 'Noto Color Emoji'; font-size: 16px; background-color: #ffffff;">Call Lifeline on 13 11 14 or visit lifeline.org.au <p style="box-sizing: border-box; margin-top: 0px; margin-bottom: 1rem; color: #212529; font-family: -apple-system, 'system-ui', 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif, 'Apple Color Emoji', 'Segoe UI Emoji', 'Segoe UI Symbol', 'Noto Color Emoji'; font-size: 16px; background-color: #ffffff;">Beyond Blue: 1300 224 636 <p style="box-sizing: border-box; margin-top: 0px; margin-bottom: 1rem; color: #212529; font-family: -apple-system, 'system-ui', 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif, 'Apple Color Emoji', 'Segoe UI Emoji', 'Segoe UI Symbol', 'Noto Color Emoji'; font-size: 16px; background-color: #ffffff;">SANE: 1800 187 263; saneforums.org

Caring

Travel expert shares top luxury destinations for 2025

More travellers are prioritising luxury holidays than ever before, with a travel expert revealing the top luxury destinations for 2025. Mark Trim, founder and managing director of <a title="Onboard Luxury" href="https://onboardluxury.com.au/" target="_blank" rel="noopener">Onboard Luxury</a>, said there are a selection of hotspots around the world that keep reappearing in online searches. Whether you're after a city stay or a relaxing resort getaway, Trim shared the top luxury spots with <a href="https://travel.nine.com.au/destinations/top-luxury-destinations-for-aussie-travellers-for-2025-in-pictures/d92ae530-7f82-4e49-ab2b-46cbd25758d6" target="_blank" rel="noopener">9Travel</a>. One destination that Trim said has become a particular hotspot is Sardinia in Italy. "This sophisticated island boasts pristine beaches, charming villages, and world-class golf courses like Pevero Golf Club," says Mark. Blessed with an array of spectacular swim spots, Sardinia has long been a bucket list holiday spot for many eager travellers. Trim said it's best to visit during the months between June to September to make the most of the weather, but be aware that this is the busiest time for tourists. For those looking for more of an adventure, the Okavango Delta in Botswana is a once-in-a-lifetime trip with its array of incredible animals. "This untamed beauty is one of Africa's Seven Natural Wonders, and it offers a unique opportunity to witness incredible biodiversity up close," says Mark. Those in search of a picturesque tiny town holiday should add the Norwegian town of Bergen to their itinerary. "This UNESCO World Heritage City is nestled amidst stunning fjords and boasts colourful wooden houses and panoramic views of the Northern Lights," says Mark. If you're in search of the ultimate beach resort getaway, Trim says you can't go past the Maldives. "If you're dreaming of a tranquil island escape with unparalleled luxury, the Fari Islands in the Maldives should be at the top of your list," says Mark. "With its convenient location just a short flight from Australia, it's the perfect getaway for those seeking a luxurious and rejuvenating experience," he added. For others looking for a beach holiday but wanting to stay closer to home, Fiji is always a popular choice, with many opting to explore the Mamanuca Islands. "This stunning archipelago boasts idyllic beaches, vibrant coral reefs and showstopping sunsets," says Mark. "Plus, with direct flights to Nadi and a short boat or helicopter ride to Malolo Island, it's incredibly convenient to reach for Australians." Image credits: Shutterstock

International Travel

How to prepare for a cyclone, according to an expert

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/yetta-gurtner-2337172">Yetta Gurtner</a>, <a href="https://theconversation.com/institutions/james-cook-university-1167">James Cook University</a> Tropical Cyclone Alfred is predicted to make landfall anywhere <a href="https://www.abc.net.au/news/2025-03-03/tropical-cyclone-alfred-landfall-thursday-live-updates/105002038">between Bundaberg and northern New South Wales</a> this week. The Australian Bureau of Meteorology <a href="http://www.bom.gov.au/cgi-bin/wrap_fwo.pl?IDQ20023.html">has warned</a> it may bring severe hazards and “dangerous and life-threatening flash flooding”. So, how do you prepare for a cyclone – and what do you do if it’s too late to leave? <h2>How to prepare</h2> Your starting point is to consider the risk to yourself and everyone in your household (including pets). Consider ensuring you have: <ul> <li>non-perishable food that everyone in the family will eat (enough for five to seven days)</li> <li>water for drinking and cleaning (three litres per person per day)</li> <li>medication (two weeks worth)</li> <li>toiletries and first aid kit</li> <li>pet food/supplies</li> <li>torches</li> <li>batteries</li> <li>a back up battery for your phone</li> <li>baby formula and nappies if needed</li> <li>protective clothing and closed-in shoes</li> <li>cash in small denominations</li> <li>valuable documents such as passports, title deeds, ID, insurance details, photos (these can be photographed or packed in weather-proof container or envelope)</li> <li>kids’ books, card games, board games, headphones</li> <li>anything else you may need or really value (and isn’t too heavy to carry).</li> </ul> Make sure you have a grab-and-go kit that you can carry by yourself if authorities suddenly tell you to evacuate immediately. Conventional wisdom used to be to prepare enough supplies for three days of disruption. Now, experts recommend having enough for five to seven days. After the initial disaster there may be road blockages or supply chain problems. Ensure you have enough medication for a week or two, because pharmacies may take days or weeks to re-open. And remember that many medications, such as insulin, need to be refrigerated, so consider how you’d keep them cool if the power went out. Fill containers with water and stick them in your freezer now; they can keep your freezer cool if you lose power. They can also become drinking water in future. Talk to your neighbours. Do they have a generator or a camping fridge you can use? This is a great opportunity to get to know your community and pool your resources. Ask yourself if you have friends with whom you or a pet can stay. One of the main reasons people don’t evacuate is because they can’t bring their pets (not all evacuation shelters allow them, so check in advance). Consider what you can do now to prepare your house. One of the most common call-outs the SES receives is about blocked drains and gutters, so check if there’s time to clean your gutters now. You won’t be able to do it during the storm. <h2>Stay informed – and don’t rely on hearsay</h2> Have a plan for getting truthful information before, during and after the cyclone. Rely on the information provided by official sources, as they will tell you when it’s too late to evacuate or when it’s safe to come out. This is highly context-specific and will depend on where you are located. Get advice where possible from your local council’s <a href="https://www.qld.gov.au/community/disasters-emergencies/disasters/resources-translations/local-government-disaster-dashboards">disaster dashboard</a> (most councils have one). It should provide information such as where to get sandbags, which roads are closed (which can affect your evacuation plan) and evacuation centre openings and locations. Anyone who monitors social media will see how many amateur meteorologists and maps are out there, but these are often not the best source. Always rely on official sources rather than hearsay, trending footage or amateur “experts”. Always have an battery-operated AM-FM radio. If power goes out, relying on your phone to track information will drain your phone battery very quickly. You may be able to charge it via your car or laptop, but telecommunications networks may not be active. So having a battery-operated radio on hand – and plenty of batteries – is crucial. <h2>What if the cyclone hits while you’re at home?</h2> If it’s too late to evacuate, have a plan for sheltering in place. Find the smallest room in your house with the least windows (which can shatter in a storm). This is often the bathroom, but it could be under the stairs. It is usually on the lowest level of the house. Bring your food, water, radio, blankets and supplies there. Avoid walking around the house during the cyclone to fetch things; there could be glass on the floor or debris flying around. It’s hard to predict how long you will need to shelter there, but it’s important not to leave until official sources say it is safe to do so. Cyclones come in stages. They arrive from one direction, then comes an eerie calm as the “eye of the storm” passes over. Next, the other half of the cyclone arrives. Don’t go outside during the eye of the storm, because it’s not over. Outside the house, there may be powerlines down, broken glass and other hazards. Don’t venture out until you get official clearance from the disaster dashboard or official sources on the radio saying it is safe. For <a href="https://www.ses.qld.gov.au/ses-assistance">non-life threatening emergencies</a> – such as a tree on your roof, or water running through your house – call the SES on 132 500 or register on the <a href="https://apps.apple.com/au/app/ses-assistance-qld/id704964892">SES Assistance app</a> (if you’re in Queensland). They will not come during the event itself but will come later. If it’s a life threatening emergency, always call triple 0. <h2>After the storm</h2> After the storm, consider how to make your house more cyclone-ready in future. Many houses in North Queensland are designed for cyclone zones, but not as many further south will be. Climate change means cyclones are likely to be more severe in future. These days, be cyclone-ready 365 days a year.<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/251251/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/yetta-gurtner-2337172">Yetta Gurtner</a>, Adjunct senior lecturer, Centre for Disaster Studies, <a href="https://theconversation.com/institutions/james-cook-university-1167">James Cook University</a> Image credits: SBS News This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/how-to-prepare-for-a-cyclone-according-to-an-expert-251251">original article</a>. </div>

Travel Tips

Cabana drama: 5 expert tips on how not to be branded a twit when using a beach tent

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/samuel-cornell-1418374">Samuel Cornell</a>, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a> Debate erupted this week over the growing number of beach tents, or “cabanas”, proliferating on Australian beaches. The controversy, which <a href="https://www.tiktok.com/@gunclediaries/video/7453200613170564370">began on social media</a>, was fuelled by Prime Minister Anthony Albanese who declared it was “not on” for beachgoers to reserve a spot on the sand by erecting a cabana then leaving it vacant for hours. Albanese <a href="https://www.pm.gov.au/media/television-interview-today-show-19">told</a> Nine’s Today show “everyone owns the beach” and staking a claim on the sand was “a breach of that principle, really”. Other critics deem beach cabanas an eyesore. And lifeguards say <a href="https://www.abc.net.au/news/2023-01-21/busy-beaches-noosa-cabana-craze-surf-lifesavers/101875660">the structures can</a> obscure their view of the water, which poses a safety risk. Beach cabanas do, however, serve <a href="https://www.sciencedirect.com/science/article/pii/S0190962208007330?via%3Dihub">a valid purpose</a>. They provide some <a href="https://theconversation.com/i-cant-get-sunburnt-through-glass-shade-or-in-water-right-5-common-sunburn-myths-busted-150640">protection against the sun’s harmful ultraviolet rays</a> and, from a recreational perspective, can enable people to spend longer at the beach on hot days than they might have otherwise. I’m a member of the University of NSW <a href="https://www.beachsafetyresearch.com">Beach Safety Research Group</a>, and I’ve worked with local councils and national parks to address health and safety issues on beaches. So let’s look at how to strike the right balance between personal convenience and public safety when using a cabana. <figure><iframe src="https://www.youtube.com/embed/U4W_2ti5QUk?wmode=transparent&start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe></figure> <h2>A fair go for all?</h2> In years past, Aussies came to the beach with a towel and maybe a book, stayed a little while then left. But more recently, the use of beach tents and cabanas has grown. It’s likely the result of Australia’s <a href="https://soe.dcceew.gov.au/coasts/pressures/population">growing coastal population</a>, and a rising awareness of the dangers posed by sun exposure. These days, it’s not uncommon to visit a popular beach in summer and find a village of cabanas stretching as far as the eye can see. It’s great to see so many people using the beach. Beaches and oceans are <a href="https://www.sciencedirect.com/science/article/pii/S0013935120310665">health-giving places</a>, though they come with inherent dangers. And of course, in Australia the beach is free for all who wish to use it. It’s an approach in line with our <a href="https://www.theguardian.com/commentisfree/2020/oct/12/even-without-private-clubs-the-egalitarian-australian-beach-is-a-national-myth">supposedly egalitarian culture</a>, in which everyone gets a “fair go”. Here, beaches are a place to be shared, no matter what your income or social status. The approach contrasts to many destinations in Europe, the United States and elsewhere, where large sections of beaches are reserved for private use. At Waikiki beach in Honolulu, for example, people <a href="https://www.waikikibeachservices.com/royal-hawaiian/beach-umbrella-chair-rental/">pay US$100 or more</a> to hire an umbrella and chairs, and a place on the sand for the day. To some naysayers, cabana use in Australia <a href="https://www.theguardian.com/australia-news/2025/jan/07/everyone-owns-the-beach-prime-minister-anthony-albanese-weighs-in-cabana-debate">challenges the notion</a> that the beach is for everyone. They question whether people should be allowed to mark out beach territory no-one else can use. That’s why in 2020, a bid by a private company to introduce paid cabanas on Sydney’s Bondi Beach <a href="https://www.9news.com.au/national/bondi-beach-petition-to-open-paid-cabanas-on-sand-amalfi-beach-club/ef1ddae5-e24e-4dd8-810d-f0d9ba5c2971">prompted a public outcry</a>. Cabanas bring practical challenges, too. They represent an unplanned influx of temporary infrastructure into busy public spaces. Left unchecked, they could cause pedestrian congestion and become a flashpoint for disagreement between beachgoers. The current debate may prompt Australian beach authorities to consider bringing in cabana regulation, similar to what’s in place for <a href="https://www.smh.com.au/national/nsw/does-sydney-need-us-style-cabana-ban-to-curb-beach-spreading-20230202-p5chgi.html">some beaches in the US</a>. In the meantime, here are five tips for safe and fair use of beach cabanas: 1. Placement: Erect your cabana at the back of the beach and away from lifeguard towers or lifesaver tents to avoid obstructing lifeguards’ views. Clear sightlines to the water are essential for ensuring timely emergency responses. This positioning also leaves space closer to the water for other beachgoers, including children playing at the water’s edge. 2. Tying down: Secure your cabana firmly in the sand to prevent it from being blown away by strong winds. Flying cabanas are a danger to other beach users, potentially causing injuries and damage to property. 3. Spacing: Avoid overcrowding by maintaining two to three meters between structures. This ensures free movement and accessibility for all beachgoers, and ensures families and groups can enjoy the beach without feeling cramped. Also, stay within the boundaries of your cabana and don’t claim territory outside its boundaries. 4. Emergency access: Keep pathways and access points clear at all times. This is crucial for lifeguard vehicles, ambulances and surf rescue teams. Unobstructed access can make the difference between life and death in an emergency. 5. Common sense: As with using any shared space, consider the needs of others and apply common sense. How would you feel if someone set up a structure right in front of you, blocking your view of the waves or ruining your vibe? Or if you or a loved one needed medical attention on a beach, would you want an ambulance crew obstructed by an unbroken line of tents? <h2>Looking ahead</h2> In the past, some have called for <a href="https://au.news.yahoo.com/calls-grow-to-ban-cabanas-on-aussie-beaches-get-out-and-leave-051701259.html">a ban on beach cabanas</a>. But the structures appear here to stay – and that’s not a bad thing. Skin cancer <a href="https://www.aihw.gov.au/reports/cancer/cancer-in-adolescents-and-young-adults-in-australi/contents/summary">affects more young Australians</a> than any other cancer, and the Cancer Council <a href="https://www.abc.net.au/news/2023-01-26/cancer-council-beach-cabanas-skin-cancer-rate-highest-in-qld/101887320">applauds the use of cabanas</a>. It’s important to note, however, that cabanas do not <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC3873510/">provide complete protection from UV rays</a>. If you’re at the beach all day, <a href="https://theconversation.com/do-beach-cabanas-actually-protect-you-from-the-sun-199102">you might still get too much sun</a> even under a tent. When it comes to your next visit to the coast, by all means pack your cabana. But make sure you use it carefully and responsibly, so everyone’s day at the beach is safe and enjoyable.<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/246882/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/samuel-cornell-1418374">Samuel Cornell</a>, PhD Candidate, UNSW Beach Safety Research Group + School of Population Health, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/cabana-drama-5-expert-tips-on-how-not-to-be-branded-a-twit-when-using-a-beach-tent-246882">original article</a>. </div>

Travel Tips

How do mosquito repellents work? A chemistry expert explains

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/daniel-eldridge-1494633">Daniel Eldridge</a>, <a href="https://theconversation.com/institutions/swinburne-university-of-technology-767">Swinburne University of Technology</a> It’s summertime, and for many of us that means plenty of time outside – and, unfortunately, mosquitoes. The combination of the <a href="https://theconversation.com/why-your-summer-might-be-full-of-mosquitoes-according-to-a-scientist-98369">increase in temperature and plenty of water</a> is ideal for these blood-sucking insects to make their presence felt. In the best-case scenario, they are a pest, delivering a highly unpleasant sting. At the other end of the spectrum, they are vectors for diseases responsible for <a href="https://www.cdc.gov/global-health/impact/fighting-the-worlds-deadliest-animal.html">more human fatalities than any other animal on Earth</a>. To keep them at bay, many of us will reach for the bottle of insect repellent or citronella candles in order to avoid the bite and incessant itching that comes with it. But how do these repellents actually work? <h2>A complex interplay</h2> <a href="https://www.mcgill.ca/oss/article/health-technology/why-mosquitos-bite-you-and-how-make-them-stop">A great deal</a> of research has gone into understanding how and why female mosquitoes – they are the ones that bite us – are attracted to people. There is evidence showing they are attracted to the <a href="https://www.nih.gov/news-events/nih-research-matters/how-mosquitoes-detect-people">carbon dioxide</a> we exhale, lactic acid found in our sweat, and a variety of other <a href="https://pubmed.ncbi.nlm.nih.gov/24315103/">skin odours</a> and <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC6482070/">volatile compounds</a> we give off. The interplay between all these factors is quite <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC8906108/">complex</a>. To ward off mosquitoes, physical barriers such as netting make for the best protection. However, while you might put netting around a backdoor patio and barbecue, doing this for any large space is simply not practical. This is where repellents come in. <h2>DEETerrent</h2> There are a variety of mosquito repellents available. The most tried-and-true products are based on a substance called N,N-diethyl-meta-toluamide, more commonly referred to as DEET. This molecule has been commercially available since 1957, <a href="https://www.usda.gov/media/blog/2018/05/17/protecting-military-flying-foes">after the United States military discovered</a> it was an effective insect repellent. DEET is often used as a <a href="https://www.consumerreports.org/health/insect-repellent/how-safe-is-deet-insect-repellent-safety-a4952100929/">point of comparison</a> for <a href="https://www.nejm.org/doi/full/10.1056/NEJMoa011699">studies</a> investigating alternatives. <a href="https://scijournals.onlinelibrary.wiley.com/doi/full/10.1002/ps.5476?casa_token=prUg_pX7fjAAAAAA%3AuEKT5PGXWU1mO4fakwQ9NSEY-0uVYBEz25zWxXjMOp5AxX5UFWENJc1UF_JdsKA45x3sSHpmJSLJSwM">Studies show that</a>, provided they are used according to direction, <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC4041896/">DEET products are safe and effective</a>. For example, it is recommended that when required, <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC9458079/">sunscreen is applied</a> before the repellent. DEET products are not recommended for infants. The exact mechanism by which DEET repels mosquitoes and other insects is <a href="https://www.tandfonline.com/doi/full/10.1080/19336934.2015.1079360#d1e132">still explored</a> <a href="https://link.springer.com/article/10.1007/s13258-020-00991-z">today</a>. Many studies link its success to mosquitoes having receptors that sense the presence of DEET, deterring them from closely approaching our skin. Some investigations suggest that when DEET is detected, it <a href="https://pubmed.ncbi.nlm.nih.gov/18339904/">inhibits mosquitoes’ attraction</a> to us, while others show evidence that mosquitoes “<a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC2518096/pdf/zpq13598.pdf">smell and avoid</a>” DEET. There are also numerous reports demonstrating mosquitoes don’t bite when they <a href="https://www.cell.com/current-biology/pdfExtended/S0960-9822(19)30402-6">land on</a> DEET-treated skin. This is because DEET acts as a contact-based repellent and conveys a chemical message to mosquitoes to leave. <a href="https://www.tandfonline.com/doi/full/10.1080/19336934.2015.1079360">Studies</a> <a href="https://www.cell.com/current-biology/pdfExtended/S0960-9822(19)30402-6">suggest</a> that DEET likely works through a combination of the processes described here. <h2>Effective alternatives</h2> Another more recent family of mosquito repellent products rely on an active ingredient called picaridin (or icaridin). The current consensus is that picaridin products are safe, and highly effective. For many, they are considered appealing as they <a href="https://www.sciencedirect.com/science/article/pii/S0190962207014673?casa_token=zzPMhkW9QtIAAAAA:Euk6hjWnuiem6OAq020Xv0Pu70K7LfN_siLGcK1DIyOZn-mbH7U9tKK115rAK0rYbWQ2oaMGfg#bib49">don’t have as strong a scent</a> as DEET. Picaridin products have been reported to be <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC4270489/">equally effective</a> as DEET, or in some cases, even <a href="https://academic.oup.com/jtm/article/25/suppl_1/S10/4990399">slightly superior</a>, though the outcome depends on their concentration too. The other repellent regularly reported as being effective is para-menthane-3,8-diol (PMD). This is produced by chemical treatment of <a href="https://www.phrp.com.au/issues/december-2016-volume-26-issue-5/a-review-of-recommendations-on-the-safe-and-effective-use-of-topical-mosquito-repellents/">oil of lemon eucalyptus</a>. Untreated, this oil isn’t effective at repelling mosquitoes. However, <a href="https://onlinelibrary.wiley.com/doi/10.1002/(SICI)1099-1573(199606)10:4%3C313::AID-PTR854%3E3.0.CO;2-O">several</a> <a href="https://journals.sagepub.com/doi/full/10.1016/j.wem.2015.11.007">studies</a> have shown that PMD is an effective mosquito repellent. The ability of these repellents to deter mosquitoes is <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC4270489/">dose</a> <a href="https://academic.oup.com/jtm/article/25/suppl_1/S10/4990399">dependent</a>. In all cases, it’s important that an appropriate dose is applied, with re-application sometimes required to keep protection to a maximum. The performance of these products varies according to many other variables too, including <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC4270489/">the species of mosquito</a>. <h2>What about citronella?</h2> Citronella products, including candles and topical formulations, are popular choices for keeping mosquitoes away. However, in systematic testing, these <a href="https://onlinelibrary.wiley.com/doi/10.1155/2015/361021">have been shown</a> to be <a href="https://www.nejm.org/doi/full/10.1056/NEJMoa011699">far less effective</a> than DEET. Studies have also shown that <a href="https://academic.oup.com/jinsectscience/article/17/1/24/2996380?login=false">citronella candles don’t</a> <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC4617422/">fend off mosquitoes</a> <a href="https://pubmed.ncbi.nlm.nih.gov/8827606/">as much</a> as you might like. There are many other repellent products on the market. Given the widespread interest in preventing mosquito bites, natural remedies abound. It’s important to recognise that natural <a href="https://academic.oup.com/jinsectscience/article/17/1/24/2996380?login=false">isn’t necessarily more effective</a> and it <a href="https://theconversation.com/what-does-a-chemical-do-addressing-misconceptions-about-chemistry-104085">isn’t necessarily safer</a>. In <a href="https://www.nejm.org/doi/full/10.1056/NEJMoa011699">most reported studies</a>, DEET and picaridin are reported as having the greatest duration of protection (of the order of hours) and greatest effect on the mosquitoes. They are more thoroughly tested than many alternatives. When others are tested, they are often found wanting. One study described sound-based devices as being the repellent equivalent of <a href="https://academic.oup.com/jinsectscience/article/17/1/24/2996380?login=false">snake oil</a>. And although repellent bracelets contain working ingredients, they are largely ineffective in that form. This is because of insufficient concentrations of the active ingredient being “emitted”. When it comes to preventing disease transmission via mosquitoes, the <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC4041896/">benefits</a> of the proven repellents far outweigh the risks.<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/244403/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/daniel-eldridge-1494633">Daniel Eldridge</a>, Senior Lecturer in Chemistry, <a href="https://theconversation.com/institutions/swinburne-university-of-technology-767">Swinburne University of Technology</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/how-do-mosquito-repellents-work-a-chemistry-expert-explains-244403">original article</a>. </div>

Body

Expert reveals how to cope with flight anxiety

While thousands of Aussies travel by plane everyday, not everyone is so relaxed about air travel. According to recent Google data, searches for advice on flight anxiety are on the rise by more than 5000 per cent. Thankfully, there is help out there for those who struggle with anxious thoughts around flying. Researcher and neuroscientist Dr Brian Ramos from <a href="https://simplynootropics.com.au" target="_blank" rel="noopener">Simply Nootropics</a> explained why some people are impacted more than others. "People's past experiences, personality traits, and levels of general anxiety all play a role in how intensely they experience flying anxiety, making some individuals more prone to it than others," he told <a href="https://travel.nine.com.au/latest/how-to-get-over-flight-anxiety-before-holiday-expert-tips/72ff01bd-8245-4ba9-a440-8a5fa6fa74db">9Travel</a>. He went on to offer four ways to combat flight anxiety on your next trip. Reframe your anxiety as excitement Dr Ramos believes that by redefining the physical signs of anxiety as excitement for your holiday, you can fool your brain into thinking differently. "Reframing anxiety as excitement can trick your brain into receiving your nervous system's response more positively," Brian said. "Both anxiety and excitement trigger similar physical responses, like a racing heart and butterflies, but the key difference lies in how we interpret them.” "Instead of viewing these sensations as signs of danger, you can remind yourself they signal anticipation and energy." Think about the facts Looking at your situation practically can help calm your anxious mind when on a plane, according to Dr Ramos. "Look around you - is anyone else freaking out? Aeroplanes are one of the safest modes of transportation," Brian said. "Statistically, the odds of an accident are extremely low, with air travel being far safer than driving in a car - something we all do regularly and don't bat an eyelid at." Keep yourself busy By tapping into mindful activities can help push anxious thoughts to the back of your mind. As Brian says, "Distracting your mind with a good podcast or book is a great way to manage flight anxiety by redirecting your focus away from fear-inducing thoughts." "Engaging with a story or interesting conversation can keep your brain occupied.” Re-centre your brain if you feel yourself spiralling "To calm an anxiety attack during a flight, first, focus on your breathing," Brian said. "Practice deep, slow breaths; inhaling through your nose for four counts, holding for four, and exhaling through your mouth for four.” "Second, ground yourself using the 5-4-3-2-1 technique: identify five things you can see, four you can touch, three you can hear, two you can smell, and one you can taste.” "Finally, use positive self-talk." Image credits: Shutterstock

Travel Tips

Is it important to read the explanatory labels next to artworks? We asked 5 experts

<div class="theconversation-article-body"><a href="https://theconversation.com/au/team#noor-gillani">Noor Gillani</a>, <a href="http://www.theconversation.com/">The Conversation</a> You’re standing at the centre of an expansive art gallery, overwhelmed by what’s in front of you: panel after panel of stupendous works – densely-written labels affixed next to each piece. These labels may offer a window into the artist’s intention, or the social and historical context of the work. Without any background information, how do you make the most of your visit? Do you turn to the curatorial wisdom in the accompanying text? Or can the art be experienced just as profoundly, if not more so, without any external guidance? We asked five experts – and their answers suggest art may be witnessed in as many wide and varied ways as it is created. <hr /> <iframe id="tc-infographic-1126" class="tc-infographic" style="border: none;" src="https://cdn.theconversation.com/infographics/1126/55d9482b08757aee48101ba96e8574992a377705/site/index.html" width="100%" height="400px" frameborder="0"></iframe><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/243694/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/au/team#noor-gillani">Noor Gillani</a>, Digital Culture Editor, <a href="http://www.theconversation.com/">The Conversation</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/is-it-important-to-read-the-explanatory-labels-next-to-artworks-we-asked-5-experts-243694">original article</a>. </div>

Art

Why the royal family is set to receive an eye-watering pay increase

The members of the British royal family are set to receive a record-breaking pay increase, funded by British taxpayers. From April 2025, the amount the royals will receive from the Sovereign Grant - funded by the UK’s public purse – will jump by a whopping £45 million (A$88 million), to £132 million ($260 million). Not everyone is happy about this enormous pay increase, as CEO of Republic Graham Smith said that while the UK remains in the clutches of the cost of living crisis, it is not the time for such a hefty increase to one of the richest families in the world. “This is public money, all of this money comes from the government, at a time when the government is not able to properly fund schools, hospitals police … It is scandalous,” Smith told <a href="https://www.townandcountrymag.com/society/tradition/a63330811/british-royal-family-money-finances-2025/" target="_blank" rel="noopener">Town & Country</a>. “Not only should it not be going up at all, it should be going down.” The increase was first announced last year, with Buckingham Palace officials saying at the time that a huge chunk of that extra cash will be put towards the £369 million ($728 million) bill for long-planned, necessary Palace renovations. The exact amount that is being allocated from this year’s Grant for the work has not been made public. The Grant was established in 2012 in order to help the royal family pay for expenses related to their official duties, with the vast majority usually spent on property maintenance and staffing. When the Grant first came into effect, there were many more working royals which required a larger pool of funding. Now that the royal roster has been stripped back, royal author Richard Palmer believes the public is now “getting less for their money”. He told Town & Country, “I do think that the monarchy in general does a good job for the country and is part of the glue that binds us all together but that doesn’t mean that as an institution, as individuals, they should be able to avoid criticism. They are not above scrutiny.” Image credits: Shutterstock

Money & Banking

Retiring with debt? Experts explain downsizing, using super for your mortgage, and pension eligibility

<div class="theconversation-article-body"> <a href="https://theconversation.com/profiles/kathleen-walsh-218536">Kathleen Walsh</a>, <a href="https://theconversation.com/institutions/university-of-technology-sydney-936">University of Technology Sydney</a> and <a href="https://theconversation.com/profiles/jemma-briscoe-2234812">Jemma Briscoe</a>, <a href="https://theconversation.com/institutions/university-of-technology-sydney-936">University of Technology Sydney</a> About <a href="https://cepar.edu.au/sites/default/files/cepar-research-brief-housing-ageing-australia.pdf">36%</a> of homeowners still have a mortgage when they retire, up from 23% a decade ago. This increase in mortgage debt is due to soaring property prices, <a href="https://www.mlc.com.au/content/dam/mlc/documents/pdf/retirement/retirement-reports-housing-report.pdf">changes in retirement ages</a> and easy access to <a href="https://www.dss.gov.au/our-responsibilities/seniors/benefits-payments/home-equity-access-scheme">drawdown equity loans</a> (where you use your home as security to get a loan, which can be used to fund travel, medical costs and other expenses). So, what are the options for homeowners who carry debt into retirement? <h2>Option 1: keeping the home and the debt</h2> If you keep the family home in retirement, you get to own a property and can still receive the <a href="https://www.dva.gov.au/get-support/financial-support/income-support/what-changes-your-payments/your-property-or-accommodation/how-owning-home-can-affect-pensions-and-payments">age pension</a>. For example: Jackie has a home worth A$2 million with a $200,000 mortgage. She also has $800,000 in superannuation. She is 67 but is not eligible for the age pension because her <a href="https://moneysmart.gov.au/how-super-works/tax-and-super#:%7E:text=If%20you're%20aged%2060%20or%20over%20and%20withdraw%20a,as%20a%20public%20sector%20fund.">assessable assets</a> – her super – is above the $695,500 cut off. If Jackie takes $200,000 from her super and repays the outstanding mortgage debt, she will save on interest and principal repayments for the next ten years. She will also reduce her assessable assets by $200,000. This makes her eligible for a part pension. So while Jackie has less super, she gets to receive a pension and gets all the subsidies associated with being a pensioner. <h2>Option 2: downsizing to clear the debt</h2> Downsizing can extinguish any remaining debt, and can free up money for holidays, restaurants and the good life in retirement. It also enables a move to a more age-friendly home or apartment. And the government does provide a superannuation incentive via the <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">downsizing contribution</a>. This allows homeowners over 55 who have lived in their home for more than ten years to make a one-off contribution of $300,000 (singles) and $600,000 (couples) to their super, using money from the sale of their home. But when a person reaches pension age, currently 67, any money in super will be included in <a href="https://www.servicesaustralia.gov.au/deeming?context=22526">the government’s assessment</a> of your financial assets and income. It could mean you don’t qualify for a pension or pensioner subsidies. Of the approximately 2.6 million who receive a part or full the age pension, only <a href="https://www.ato.gov.au/about-ato/research-and-statistics/in-detail/super-statistics/downsizer-super-contributions-data">78,000 people</a> have taken up this initiative. That begs the question if this option really does create a true financial downsizing incentive. Think again of Jackie, the woman with the $2 million home and the $200,000 in mortgage debt. Say she decides to sell her home and move to a smaller house close to family and friends. This will incur about $40,000 in selling and marketing fees, and stamp duty of around $62,000 on her new $1.4 million apartment. Downsizing leaves her with $1.1 million in financial assets (after transaction costs), which means that Jackie is not eligible for the pension. While she’ll be able to fund a comfortable lifestyle, this decision to downsize may not be as attractive as keeping the house. The decision to sell and move has cost her an extra $100,000 in transaction costs and her pension. So, people need to think carefully about downsizing. It can allow people to move closer to children, grandchildren, and the services they need – but these must be balanced against the financial implications. <h2>What about renters?</h2> Paying market rent while on a fixed income can be very hard, so renting is a challenge for retirees. According to the <a href="https://www.abs.gov.au/statistics/people/housing/housing-census/latest-release">2021 census</a>, women aged 55-64 and those over 65 are among the fastest-growing groups experiencing homelessness. The good news is many profit and not-for-profit retirement communities provide rental models and discounted entry contributions to residents with limited means (but there are often waiting lists). Retirement village residents may also be eligible for <a href="https://guides.dss.gov.au/social-security-guide/4/6/4/30">rent assistance</a> depending on their circumstances. Rent assistance is an extra $5,751 per year in social security benefits and provides extra financial support to <a href="https://guides.dss.gov.au/social-security-guide/5/1/7/10">eligible age pension recipients</a>. Retirement communities provide vulnerable older Australians a unique opportunity to move into a community under a leasehold or licence agreement. More than 260,000 senior Australians live in about <a href="https://www.propertycouncil.com.au/media-releases/retirement-living-construction-leads-wary-market">2,500 retirement communities</a> across the country. While a retirement village may not be the first option for many retirees, they can provide affordable accommodation. <h2>Making the best choice</h2> Navigating housing decisions as you approach retirement means balancing financial, emotional, and lifestyle considerations. Homeowners retiring with a mortgage face a choice: keep their home or downsize to alleviate debt. Keeping the home and accessing super to pay the outstanding debt improves cash flow and allows you to keep your biggest asset. Downsizing helps eliminate debt and boosts the super balance, but comes with extra transaction costs (and you may end up with less pension, or none at all). Seeking professional <a href="https://moneysmart.gov.au/financial-advice/choosing-a-financial-adviser">financial advice</a> is crucial, and ensure they are a registered <a href="https://moneysmart.gov.au/financial-advice/financial-advisers-register">financial advisor</a>.<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/240679/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/kathleen-walsh-218536">Kathleen Walsh</a>, Professor of Finance, <a href="https://theconversation.com/institutions/university-of-technology-sydney-936">University of Technology Sydney</a> and <a href="https://theconversation.com/profiles/jemma-briscoe-2234812">Jemma Briscoe</a>, Adjunct lecturer in finance, <a href="https://theconversation.com/institutions/university-of-technology-sydney-936">University of Technology Sydney</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/retiring-with-debt-experts-explain-downsizing-using-super-for-your-mortgage-and-pension-eligibility-240679">original article</a>. </div>

Retirement Income

Etiquette experts reveals top wedding guest faux pas

While weddings are joyous occasions filled with love and happiness, guests can often be left feeling perplexed over unspoken rules and expectations for what is expected at a loved one’s big day. Wedding etiquette expert Angela DeMaio has shared the five most common faux pas guests can be guilty of committing at a wedding, and revealed how to avoid them. Ignoring seating arrangements While it might seem like not a big deal to switch seats or sit wherever you feel comfortable, this can disrupt the couple's carefully planned arrangements that are in place for a reason. DeMaio said, “Seating arrangements are often crafted with thought, considering relationships and group dynamics.” According to the expert, ignoring seating plans can disturb the balance the couple has tried to create, so to respect the newlywed’s efforts, it's important to be mindful of where each guest is seated. Getting in the way of photographers It’s the photographer’s job to capture the heartfelt moments at a wedding, and blocking the shot or getting in the way can have major consequences. According to DeMaio, guests should especially avoid stepping into the aisle during the processional or standing in the way of key moments, such as the couple's first dance. Being patient and respectful of the photographer's space ensures the couple gets the perfect shots without disruption. Going too hard at an open bar While many guests look forward to partaking in free drinks at an open bar during a wedding ceremony, it’s important to drink in moderation. DeMaio warned guests to pace themselves with water in between alcoholic beverages, as no one wants to be remembered as the guest who got embarrassingly drunk. “Weddings are joyous occasions, but they're not the time for drunken antics or behaviour that distracts from the couple's special day,” she said. Not saying goodbye to the couple As a wedding night winds down, it's easy to be tempted by an Irish goodbye, or just leaving the event without doing the goodbye rounds. However, failing to acknowledge the couple before leaving can come across as rude or dismissive, as leaving without acknowledging the couple can leave them wondering if you truly valued the celebration. DeMaio suggested, “If possible, thank the bride and groom in person for the invitation, as it's a small gesture that goes a long way.” Posting photos online without permission In the golden age of social media, it's tempting to share every moment of the wedding, but this can lead to unintended consequences. As someone’s wedding is a deeply personal event, most couples prefer to have control over when and how their wedding photos are shared. According to DeMaio, it's crucial for guests to wait until the couple has posted their own photographs before sharing anything, or asking for explicit permission to post photos online. Image credits: Shutterstock

Relationships

Holiday budgeting tips for over-60s: Expert advice for a stress-free season

<div> The festive season is a time for joy, but it can sometimes also bring a little extra financial stress. With the rising cost of essentials, many Aussies in retirement might be feeling the pinch. And it’s not your imagination – recent <a title="https://protect.checkpoint.com/v2/___https:/nam02.safelinks.protection.outlook.com/?url=https%3A%2F%2Fwww.superannuation.asn.au%2Fmedia-release%2Frising-insurance-premiums-add-strain-to-retirees-finances-says-super-peak-body%2F*23%3A~%3Atext%3DThe%2520latest%2520figures%2520from%2520ASFA%2Cover%2520the%2520last%252012%2520months.&data=05%7C02%7Cdardisa%40we-worldwide.com%7C3306a1dfb9de4e30dd3b08dcfecff5e5%7C3ed60ab455674971a5341a5f0f7cc7f5%7C0%7C0%7C638665416381860501%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C0%7C%7C%7C&sdata=3ePPI8b1SEXOATgcY6vYWJRi8gBzZHv0jM1dgqkIoUI%3D&reserved=0___.YzJ1OndlY29tbXVuaWNhdGlvbnM6YzpvOmMyMDk4YTI2ZGE5OWUzY2FhZWQ2Nzc5ZTg1YWM0OGJiOjY6YjM1NDo4YTdiNGQ5MTcwZjBhYzgwNzI4ZDVmYTlhNTA0OWVhYThkZTU0NWJhN2FhZDgzZGQ2MGQ1ZjZiYWU5MTc3MGI1OnA6VDpG" href="https://protect.checkpoint.com/v2/___https:/nam02.safelinks.protection.outlook.com/?url=https%3A%2F%2Fwww.superannuation.asn.au%2Fmedia-release%2Frising-insurance-premiums-add-strain-to-retirees-finances-says-super-peak-body%2F*23%3A~%3Atext%3DThe%2520latest%2520figures%2520from%2520ASFA%2Cover%2520the%2520last%252012%2520months.&data=05%7C02%7Cdardisa%40we-worldwide.com%7C3306a1dfb9de4e30dd3b08dcfecff5e5%7C3ed60ab455674971a5341a5f0f7cc7f5%7C0%7C0%7C638665416381860501%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C0%7C%7C%7C&sdata=3ePPI8b1SEXOATgcY6vYWJRi8gBzZHv0jM1dgqkIoUI%3D&reserved=0___.YzJ1OndlY29tbXVuaWNhdGlvbnM6YzpvOmMyMDk4YTI2ZGE5OWUzY2FhZWQ2Nzc5ZTg1YWM0OGJiOjY6YjM1NDo4YTdiNGQ5MTcwZjBhYzgwNzI4ZDVmYTlhNTA0OWVhYThkZTU0NWJhN2FhZDgzZGQ2MGQ1ZjZiYWU5MTc3MGI1OnA6VDpG" data-auth="Verified" data-outlook-id="1a0a0a08-2e36-4601-a0a3-f9c8bb379afe">data</a> from the Association of Superannuation Funds of Australia (ASFA) reveals that the cost of maintaining a comfortable retirement has increased by 3.7% in the last year. For those in retirement, managing holiday spending can help ensure a stress-free festive season. </div> <div> Toby Perkins, a Certified Financial Planner® at industry superfund NGS Super, shares his helpful tips to ensure retirees manage their budgets during the holidays. </div> 1. Avoid personal debt <div> Credit cards and overdrafts may seem like quick solutions, but they often lead to high-interest debt. "If you need extra funds for the festive season, it might be worth considering options like your superannuation income stream instead," advises Toby. Avoiding extra debt may help you to maintain your financial stability in the long run and help set you up for a stress-free Christmas next year. </div> 2. Plan ahead: Budget for the entire year <div> Although it may be too late to adjust your budget for this holiday season, now is a good time to start planning for next Christmas. "Incorporating holiday spending into an annual budget can prevent financial strain in December," Toby suggests. By tracking your expenses throughout the year, you can identify potential savings and plan for any extra costs, such as gifts and travel. </div> 3. Review government entitlements <div> It’s important for you to ensure you are receiving the correct government entitlements. "If you’re receiving the Age Pension, make sure all your details are up to date," Toby advises. Even if you're not eligible for the Age Pension, you may qualify for the Commonwealth Seniors Health Card or state-based Seniors Cards, which can help reduce costs on health care, transport, and other services. For more information, visit <a title="https://protect.checkpoint.com/v2/___https:/www.servicesaustralia.gov.au/most-useful-information-for-retirement-years___.YzJ1OndlY29tbXVuaWNhdGlvbnM6YzpvOmMyMDk4YTI2ZGE5OWUzY2FhZWQ2Nzc5ZTg1YWM0OGJiOjY6Y2YwMTo3YWJkZWYyYTY5NjAwZTQ5YjczNWQwMGY2ZjZmN2RhNzY5MzJjYWJkMmYyNWM5ZTkzODg4NTJlZDc3MmIwZGI1OnA6VDpG" href="https://protect.checkpoint.com/v2/___https:/www.servicesaustralia.gov.au/most-useful-information-for-retirement-years___.YzJ1OndlY29tbXVuaWNhdGlvbnM6YzpvOmMyMDk4YTI2ZGE5OWUzY2FhZWQ2Nzc5ZTg1YWM0OGJiOjY6Y2YwMTo3YWJkZWYyYTY5NjAwZTQ5YjczNWQwMGY2ZjZmN2RhNzY5MzJjYWJkMmYyNWM5ZTkzODg4NTJlZDc3MmIwZGI1OnA6VDpG" data-auth="Verified" data-outlook-id="0b03c4dc-e32a-4f0f-adaf-6d20058cd703">the Services Australia website.</a> </div> 4. Stay vigilant about financial security <div> There are two reasons to closely track your spending throughout the holiday season: 1. To ensure you stay within budget, and 2. To ensure you don't fall victim to financial scams. The holiday season can be a prime time for financial scams, so be cautious when making purchases online. </div> 5. Prepare for post-holiday financial health <div> After the holidays, plan to set aside some money for future expenses or to replenish your savings. A bit of post-holiday planning will help you avoid financial stress in the months ahead - and even get you set up for next Christmas. </div> 6. Travel smart: Plan off-peak <div> Travel can be one of the biggest holiday expenses, especially if it coincides with peak Christmas and school holiday periods. Toby recommends traveling outside of these busy times to save money. "Off-peak travel can significantly reduce costs and make your holiday dollar stretch further," he says. Consider planning trips in advance to secure better deals. </div> <div> Planning ahead, managing debt, and reviewing entitlements can help you enjoy the festive season without financial stress. As Toby puts it, "Smart budgeting today helps ensure a more comfortable retirement tomorrow." </div> <div> For those seeking personalised advice, NGS Super’s team of financial planners is here to help guide you to a secure and joyful future. Read the <a title="https://protect.checkpoint.com/v2/r01/___https://protect.checkpoint.com/v2/___https:/www.ngssuper.com.au/files/documents/financial-services-guide.pdf___.YzJ1OndlY29tbXVuaWNhdGlvbnM6YzpvOmMyMDk4YTI2ZGE5OWUzY2FhZWQ2Nzc5ZTg1YWM0OGJiOjY6MDk5ZToxNWJlNDQ0ODUwMWZmYzczYmUzZDY5N2NkNWFmY2M4ZTM0M2I5ZDQyNTI5ZGIwNjdjMDUxZDViY2E1YWRmYWFhOnA6VDpGHYPERLINK___.YzJ1OndlY29tbXVuaWNhdGlvbnM6YzpvOmM0OTdjMzdkZjcxOGIxNDQxYjdiMzQxMzA0NTcyMzc4Ojc6ZDgzMDowMTA3N2IxNTZmN2JhZDAzOTM5MDc4ODZjM2Y4NTUzYTkwNWE4ZDAxYmJhMmIxMTc0OWZjNjhmNmM5ODNlNzYyOmg6VDpG" href="https://protect.checkpoint.com/v2/r01/___https://protect.checkpoint.com/v2/___https:/www.ngssuper.com.au/files/documents/financial-services-guide.pdf___.YzJ1OndlY29tbXVuaWNhdGlvbnM6YzpvOmMyMDk4YTI2ZGE5OWUzY2FhZWQ2Nzc5ZTg1YWM0OGJiOjY6MDk5ZToxNWJlNDQ0ODUwMWZmYzczYmUzZDY5N2NkNWFmY2M4ZTM0M2I5ZDQyNTI5ZGIwNjdjMDUxZDViY2E1YWRmYWFhOnA6VDpGHYPERLINK___.YzJ1OndlY29tbXVuaWNhdGlvbnM6YzpvOmM0OTdjMzdkZjcxOGIxNDQxYjdiMzQxMzA0NTcyMzc4Ojc6ZDgzMDowMTA3N2IxNTZmN2JhZDAzOTM5MDc4ODZjM2Y4NTUzYTkwNWE4ZDAxYmJhMmIxMTc0OWZjNjhmNmM5ODNlNzYyOmg6VDpG" data-auth="Verified" data-outlook-id="c4bb4623-ec0a-4e3a-a747-7bf0d2f5659b">NGS Financial Planning Financial Services Guide</a>. </div> <div> For further information, visit NGS Super’s <a title="https://protect.checkpoint.com/v2/___https:/www.ngssuper.com.au/articles/news/whats-foro-what-can-you-do-about-it___.YzJ1OndlY29tbXVuaWNhdGlvbnM6YzpvOmMyMDk4YTI2ZGE5OWUzY2FhZWQ2Nzc5ZTg1YWM0OGJiOjY6YzlhNDphZGM4Y2Q1YTFlZmQyNjExMGQ4ZDJmYWM3Y2IyOWMxM2FiNjE2MDMwMDc3YjA5ODE5OTY0NjQyYmZkNWE2NGM1OnA6VDpG" href="https://protect.checkpoint.com/v2/___https:/www.ngssuper.com.au/articles/news/whats-foro-what-can-you-do-about-it___.YzJ1OndlY29tbXVuaWNhdGlvbnM6YzpvOmMyMDk4YTI2ZGE5OWUzY2FhZWQ2Nzc5ZTg1YWM0OGJiOjY6YzlhNDphZGM4Y2Q1YTFlZmQyNjExMGQ4ZDJmYWM3Y2IyOWMxM2FiNjE2MDMwMDc3YjA5ODE5OTY0NjQyYmZkNWE2NGM1OnA6VDpG" data-auth="Verified" data-outlook-id="7c65864b-3f33-43bc-9037-cc1e7ca1acc0">website</a>. </div> <div> Toby Perkins is authorised to provide financial advice in Australia and is an Authorised Representative (Number 1002908) of Guideway Financial Services Pty Ltd, AFSL Number 420367. Any advice given in this article is general and does not consider your financial situation, needs or objectives so consider whether it is appropriate for you. Be sure to read the relevant PDS and TMD before deciding whether a financial product is right for you. Image credits: Shutterstock </div> <div> </div>

Travel Tips

British royal considering moving to Australia

A member of the British royal family is considering relocating to Australian shores after finding love with an Aussie. Lady Louise Windsor, the late Queen Elizabeth’s granddaughter, found love with Australian student Felix Robert da Silva-Clamp and is reportedly planning to move Down Under for her partner. Lady Windsor is the daughter of King Charles’ youngest brother Prince Edward and his wife Sophie, Duchess of Edinburgh. She and Felix, who attended Melbourne Grammar School from 2017 to 2022, first met at St Andrew’s University in Scotland. Felix is the son of British solicitor, Charles William da Silva-Clamp, while his mother, Kendall Clamp, lives in Melbourne, and holds a master’s degree in epidemiology. Royal commentator Victoria Arbiter joined Nat Barr on Sunrise on Thursday, where she explained that Lady Windsor was interested in taking classes at Macquarie University in Sydney. “Both of their degrees allow for a study abroad semester — Louise at the moment is in her third semester. If she is likely to do a semester of study abroad, it would likely be in her fourth year,” Arbiter said. “She is interested in studying at Macquarie University in Sydney. So, this time next year, you could be welcoming a royal down under.” Felix is also said to have met Lady Windsor’s parents, as Arbiter said, “Certainly in royal circles that’s not a thing until it is quite serious — Felix is only 20 and Lady Louise is 21, so they have a lot of time ahead of them, but it would seem things are going well.” “I think the royals would definitely welcome an Aussie to the royal family.” Image credits: Thomas Krych/ZUMA Press Wire/Shutterstock Editorial

Relationships

Masked robbers target Windsor Castle

Two masked men have targeted Windsor Castle and took off with two vehicles that were stored in a barn. The men used a stolen truck to break through a security gate at night and then scaled a two-metre fence to gain entry into the royal grounds. According to reports by The Sun, King Charles and Queen Camilla were not at Windsor at the time, but it is believed Prince William and his family were residing in Adelaide Cottage, part of the Windsor Castle estate. The cottage is five minutes away from where the break-in occurred, and the family are regularly seen using the wrecked gate, the nearest exit to their home. Local police were called to a report of a burglary on Crown Estate land in Windsor, west of London, just before midnight on October 13th. “Offenders entered a farm building and made off with a black Isuzu pick-up and a red quad bike. They then made off towards the Old Windsor/Datchet area,” Thames Valley Police told the newspaper. “No arrests have been made at this stage and an investigation is ongoing.” Image credits: Shutterstock

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