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Research reveals how long it takes Aussies to save for a holiday

Saving up for a holiday can seem like an overwhelming task, but some destinations are easier to save for than others. According to new research by <a href="http://money.com.au/">money.com.au</a>, nearly a third of travellers - or 31 percent - need on average a year to save for a trip, while 29 percent of Aussies save for up to six months before jetting off. For 18 percent of travellers, it takes more than a year to save for a trip, while just 13 percent of Aussies manage to save for a holiday in less than three months. On the flip side, 7 percent of eager travellers decide to skip saving altogether and cover their holiday expenses fully on a credit card, while just 2 percent opt for a personal loan to fund their trips. Money.com.au's Finance Expert, Sean Callery said of the survey, "Our research also shows that travel is the one expense Australians aren't willing to forgo, no matter their financial goals or income level." "Going into debt for a holiday brings additional costs and risks. It's important to have a plan for clearing the debt as quickly as possible." With these saving trends in mind, the experts have crunched the numbers to estimate how long it would take the average Aussie to save for a trip to the most popular overseas holiday destinations. The saving time for each location was calculated based on a 10 per cent savings rate of the average weekly earnings of $1,923.40 (from ABS data). Two of the quickest destinations to save for are China and Thailand, while other destinations the experts say you can save for in around half a year include New Zealand, Vietnam and Singapore. Image credits: Shutterstock

Travel Tips

MedicAlert: The life-saving service that just got even better

While traditional MedicAlert IDs have long been trusted for their reliability, the company that currently protects more than four million members worldwide has taken a huge step forward in enhancing emergency care and personal safety by <a href="https://www.medicalert.org.au/qr-code" target="_blank" rel="noopener">integrating QR codes</a> into their medical IDs. These QR codes are a modern addition that provide rapid, comprehensive access to critical medical information, ensuring timely and accurate assistance in emergencies. When a MedicAlert QR code is scanned, first responders and healthcare professionals can immediately access the wearer’s detailed medical history. This includes information on allergies, chronic conditions, medications and emergency contacts, as well as your uploaded documents like Advanced Care Directives and specialist letters. The quick retrieval of this data can be lifesaving, especially in situations where every second counts. MedicAlert’s QR codes are designed to be user-friendly and secure. Scanning the code with a smartphone or any QR code reader directs the user to a secure webpage containing the medical profile of the ID wearer. This ensures that sensitive information is both accessible when needed and protected from unauthorised access. One of the standout features of MedicAlert QR codes is their global functionality. No matter where you are in the world, emergency responders can scan the code and access the information in multiple languages. This is particularly beneficial for travellers, providing peace of mind that their medical information is always within reach. <img class="alignnone size-full wp-image-70799" src="https://oversixtydev.blob.core.windows.net/media/2024/10/MEDICALERT-22nd-May-2024-219_O60.jpg" alt="" width="1280" height="720" /> The information linked to a MedicAlert QR code can also be easily updated. This means any changes in medical conditions, medications or emergency contacts can be promptly reflected, ensuring that the most current information is available at all times. As a registered Australian charity, MedicAlert also ensures that all online data is securely stored within Australia, providing peace of mind regarding the privacy and protection of your personal medical information. Their commitment to safeguarding your health data while offering reliable and accessible emergency support makes them an invaluable ally in maintaining your wellbeing. For a limited time, get 60% off all stainless steel MedicAlert products with the discount code 60OVER60. For more information, visit <a href="https://www.medicalert.org.au/qr-code">https://www.medicalert.org.au/qr-code</a> <iframe title="YouTube video player" src="https://www.youtube.com/embed/HkmBEXerAFQ?si=FFtmmhywyzu6EPUr" width="560" height="315" frameborder="0" allowfullscreen="allowfullscreen"></iframe> Images: MedicAlert This is a sponsored article produced in partnership with MedicAlert

Caring

Desperate search after Aussie man swept out to sea while saving swimmer

A desperate search is underway for an Australian man who got swept out to sea while saving a tourist from drowning on a Bali beach. Craig Laidley, 56, was walking along Balian Beach about 4.15pm on Wednesday when he heard 29-year-old Micro Stalla calling out for help. The Perth man rushed into the water to save the German tourist, but unfortunately Laidley never made it back to shore after being swept out to sea by an "extreme" wave. Laidley, who reportedly lives in Bali, was last seen “drifting back out to the ocean”. He was reported missing to police about three hours later, and they immediately launched a search, with with Denpasar Search and Rescue Office head Nyoman Sidakarya confirming the search is still ongoing. “[On Wednesday] night our team tried to search for victims using land searches and today the Denpasar Search and Rescue Office dispatched 10 people with land and sea SRU divisions,” Sidakarya said. “Information from the team at the location is that the wave conditions are extreme," he added. Rescue teams used rubber boats to search for Laidley within a 10km radius of where he was last seen and also scoured the coastline on foot. Police have also conducted interviews with witnesses as part of their ongoing search. One witness said that there were no warning signs around the beach, despite the dangers. “Incidents like this happen often here,” he told the ABC. “About four months ago, a foreigner went missing. He was found dead 4 hours later. In the last five years, there have been five incidents like this.” Laidley's family have appealed to the public to help find him. “Hello, our family is seeking assistance from the public in Bali,” Craig’s nephew posted on Facebook. “Craig was last seen helping a male that was reportedly drowning in the ocean between Tebing Balian rocks near Balian Beach. “He was then seen drifting back out to the ocean after saving this man’s life.” The search is set to continue on Friday morning. The Department of Foreign Affairs and Trade (DFAT) said it is providing consular assistance to the family of an Australian reported missing in Indonesia. Editors Update: Craig Laidley’s body has been found on the beach on Friday morning by searchers. His two brothers, Bruce and Glenn, arrived in Bali overnight to join the search. His family are still coming to terms with the loss, but have told 7News that they are proud of his heroic rescue and glad that his brothers were there to bring him home. Images: Denpasar Search and Rescue Agency/ Facebook

Caring

How do we save ageing Australians from the heat? Greening our cities is a good start

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/claudia-baldwin-248780">Claudia Baldwin</a>, <a href="https://theconversation.com/institutions/university-of-the-sunshine-coast-1068">University of the Sunshine Coast</a>; <a href="https://theconversation.com/profiles/jason-byrne-6066">Jason Byrne</a>, <a href="https://theconversation.com/institutions/university-of-tasmania-888">University of Tasmania</a>, and <a href="https://theconversation.com/profiles/tony-matthews-234160">Tony Matthews</a>, <a href="https://theconversation.com/institutions/griffith-university-828">Griffith University</a> Heatwaves have killed more Australians than <a href="https://ama.com.au/ausmed/heatwave-health-warning">road accidents</a>, fires, floods and <a href="https://www.sciencedirect.com/science/article/pii/S1462901114000999">all other natural disasters combined</a>. Although <a href="https://theconversation.com/forget-heatwaves-our-cold-houses-are-much-more-likely-to-kill-us-83030">recent research</a> shows extreme cold is a worry in some parts of Australia, <a href="https://theconversation.com/2018-19-was-australias-hottest-summer-on-record-with-a-warm-autumn-likely-too-112616">our hottest summer on record</a> points to more heat-related deaths to come. The <a href="https://theconversation.com/the-stubborn-high-pressure-system-behind-australias-record-heatwaves-110442">record heatwaves</a> have highlighted the damaging effects of heat stress. Understandably, it’s becoming a major <a href="https://ama.com.au/ausmed/heatwaves-nation%E2%80%99s-deadliest-natural-disaster-0">public health challenge</a>. The risk of extreme heat events and the adverse impacts on older people has been extensively <a href="https://jech.bmj.com/content/64/9/753.short">discussed in research</a>. Remarkably, very little attention has been paid to the role of urban greenery in reducing heat stress for seniors. Older people are particularly at risk of heat stress. Pre-existing medical conditions and limited mobility increase their vulnerability. <a href="http://www.cmaj.ca/content/182/10/1053.short">Deaths of older people increase</a> during extreme heat events. The physical features of urban areas shape the capacity of older adults to engage in many activities when it’s hot. These include vegetation volume and coverage, <a href="https://theconversation.com/building-cool-cities-for-a-hot-future-57489">thermal design</a>, and the extent of shading in public areas and walkways. Increasing urban greenery may offer a way to improve older people’s comfort and social experience. <h2>Ageing adds urgency to greening</h2> It is expected <a href="http://www.un.org/en/sections/issues-depth/ageing/">20% of the global population</a> will be older than 60 by 2050. The figure for Australia <a href="http://www.abs.gov.au/ausstats/abs@.nsf/mediareleasesbyTopic/2CA2134677EF9D03CA257C2E0017283B?OpenDocument">is even higher</a>, at 23%. This means that by 2050 around one in four Australians will be more vulnerable to extreme heat. <figure class="align-right zoomable"></figure> Climate change may make the problem worse by <a href="https://www.sciencedirect.com/science/article/pii/S0749379708006867">fuelling even more extreme heat</a> events. Planning our urban centres to meet the needs of a <a href="https://www.aihw.gov.au/reports/older-people/older-australia-at-a-glance/contents/demographics-of-older-australians">rapidly ageing population</a> is a matter of urgency. Urban greening to reduce their vulnerability to heat stress should be central to this agenda. It can also improve people’s quality of life, reduce <a href="https://www.sciencedirect.com/science/article/abs/pii/S1353829208001172">social isolation and loneliness</a>, and ease the burden on health systems. An important task is matching the design of communities with the needs of an ageing population. Where older adults live and the quality of their local areas strongly influence their lived experiences. Yet <a href="https://journals.sagepub.com/doi/abs/10.1177/0885412217704649">recent research</a> found the experiences of seniors were often not accounted for in research on neighbourhood design. <h2>What about aged care?</h2> People face choices about where they live as they age. The common choices are to “<a href="https://theconversation.com/for-australians-to-have-the-choice-of-growing-old-at-home-here-is-what-needs-to-change-91488">age in place</a>” or to move into aged care. Ageing in place includes living in one’s own home or <a href="https://theconversation.com/co-housing-works-well-for-older-people-once-they-get-past-the-image-problem-79907">co-habiting with relatives or friends</a>. Around 90% of Australian seniors <a href="https://www.pc.gov.au/research/completed/housing-decisions-older-australians/housing-decisions-older-australians.pdf">choose this option</a>, with the remainder opting for aged-care facilities. If one in ten Australian seniors live in aged-care facilities, it is clear these should be designed to minimise heat stress. This isn’t just good for residents; it may also benefit operators by lowering health-care and electricity costs. While these facilities are purpose-built for older people, many in Australia were built well over a decade ago, when heat stress was not such a large concern. Many more facilities are being built now and will be into the future. Yet it is uncertain whether they are being actively designed to reduce the impacts of heat. <h2>What has our research found?</h2> We recently conducted a focus group to investigate this issue. Participants were senior managers from four large corporate providers of aged care in Australia. We investigated if and how providers try to minimise heat stress through design. We also sought to understand the rationales used to support these design approaches. Several participants reported on refurbishments that they expect will have cooling effects. Cited design approaches included green roofs and walls, as well as sensory gardens. Other expected benefits included reducing anxiety and improving the mental health of residents. The fact that single design interventions could produce multiple benefits improved the potential for corporate buy-in. Participants expected that increasing green space and green cover would give their facilities a competitive advantage by attracting more clients and providing a better working environment for staff. Participants also reported on challenges of including greening in their projects. For example, the benefits of trees were weighed against concerns about roots disrupting footpaths and becoming trip hazards. Species selection was another concern, with fears that inappropriate plants could die and undermine support for greening programs. Our research suggests that more can be done to make cities hospitable for older people, especially during extreme heat. Urban greening is a start. Encouraging aged-care providers to adopt green infrastructure will have benefits. But we should also consider reforms to planning systems and urban design to better protect older people who choose to age in place.<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/112613/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/claudia-baldwin-248780">Claudia Baldwin</a>, Associate Professor, Urban Design and Town Planning, Sustainability Research Centre, <a href="https://theconversation.com/institutions/university-of-the-sunshine-coast-1068">University of the Sunshine Coast</a>; <a href="https://theconversation.com/profiles/jason-byrne-6066">Jason Byrne</a>, Professor of Human Geography and Planning, <a href="https://theconversation.com/institutions/university-of-tasmania-888">University of Tasmania</a>, and <a href="https://theconversation.com/profiles/tony-matthews-234160">Tony Matthews</a>, Senior Lecturer in Urban and Environmental Planning, <a href="https://theconversation.com/institutions/griffith-university-828">Griffith University</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/how-do-we-save-ageing-australians-from-the-heat-greening-our-cities-is-a-good-start-112613">original article</a>. </div>

Domestic Travel

Daylight savings is about to start. But why do the days get longer?

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/laura-nicole-driessen-892965">Laura Nicole Driessen</a>, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a> The days are getting longer and in Australia, the switch to daylight saving time is almost upon us (for about 70% of the population, anyway). But why do we have longer days in summer and shorter days in winter? <h2>It’s all about the tilt</h2> Earth goes around the Sun in an almost circular orbit. But not everything is lined up perfectly. Earth’s axis is tilted by 23.44 degrees relative to its orbit around the Sun. Imagine Earth’s orbit as a flat frisbee with the Sun in the middle and Earth as a ball on a stick going around the edge. <figure class="align-center zoomable"><a href="https://images.theconversation.com/files/623235/original/file-20241003-16-xourdg.jpg?ixlib=rb-4.1.0&q=45&auto=format&w=1000&fit=clip"><img src="https://images.theconversation.com/files/623235/original/file-20241003-16-xourdg.jpg?ixlib=rb-4.1.0&q=45&auto=format&w=754&fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/623235/original/file-20241003-16-xourdg.jpg?ixlib=rb-4.1.0&q=45&auto=format&w=600&h=400&fit=crop&dpr=1 600w, https://images.theconversation.com/files/623235/original/file-20241003-16-xourdg.jpg?ixlib=rb-4.1.0&q=30&auto=format&w=600&h=400&fit=crop&dpr=2 1200w, https://images.theconversation.com/files/623235/original/file-20241003-16-xourdg.jpg?ixlib=rb-4.1.0&q=15&auto=format&w=600&h=400&fit=crop&dpr=3 1800w, https://images.theconversation.com/files/623235/original/file-20241003-16-xourdg.jpg?ixlib=rb-4.1.0&q=45&auto=format&w=754&h=503&fit=crop&dpr=1 754w, https://images.theconversation.com/files/623235/original/file-20241003-16-xourdg.jpg?ixlib=rb-4.1.0&q=30&auto=format&w=754&h=503&fit=crop&dpr=2 1508w, https://images.theconversation.com/files/623235/original/file-20241003-16-xourdg.jpg?ixlib=rb-4.1.0&q=15&auto=format&w=754&h=503&fit=crop&dpr=3 2262w" alt="Diagram of Earth's rotation around the sun." /></a><figcaption>Earth goes around the Sun in an almost circular orbit. <a class="source" href="https://www.shutterstock.com/image-vector/earths-orbit-earth-rotation-around-sun-2441275921">Angela Cini/Shutterstock</a></figcaption></figure> If Earth’s axis wasn’t tilted (if its tilt was zero degrees) the stick would be exactly perpendicular to the frisbee. If you grab that perpendicular stick and tip it 23.44 degrees sideways, that’s what Earth’s tilt looks like now. As Earth orbits the Sun, the tilt of the stick does not rotate relative to the Sun. If you were in outer space looking at the Sun and you watched from the exact same position for a whole year, you would see Earth go around the Sun while the stick stayed tilted the same direction. In other words, if the top of the stick was pointing to the right when you started watching Earth go around the Sun, it would stay pointing to the right the whole way around. This tilt gives us longer days in summer and shorter days in winter. Let’s set up the scenario so the Northern Hemisphere is the top of the planet and the Southern Hemisphere is the bottom of the planet. When Earth is on one side of the Sun, the top of the stick is pointed towards the Sun. This is summer in the Northern Hemisphere and winter in the Southern Hemisphere. Six months later, when Earth is on the other side of the Sun, the bottom of the stick is pointed towards the Sun – and the seasons are reversed. <h2>Solstices and equinoxes</h2> Those two points, when the top of the stick is pointing directly towards the Sun or directly away from the Sun, are the solstices. They are the longest and shortest days of the year, depending on your hemisphere. The shortest day of 2024 in Australia was June 21. Looking forward to sunnier times, the longest day of the year in 2024 will be December 21. In between the summer and winter solstice, we have the equinoxes – when days and nights are almost exactly the same length. Those are the days when the stick through Earth is “side-on” to the Sun. The equinox is also the day when the Sun passes directly over Earth’s equator. In 2024 this happened on March 20 at 2:06pm AEDT and September 22 at 10:43pm AEST. That means that since September 22, days have been getting longer than nights in the Southern Hemisphere. <h2>What does daylight savings do?</h2> Earth’s tilt means the Sun both rises earlier and sets later as we head towards summer. When the clocks (in some states) switch to daylight saving time, people in these states all get one hour less of sleep. However, the total length of the day doesn’t change just because we changed our clocks. For me, daylight savings means I need an extra cup of coffee in the morning for about a week before I adjust to the daylight savings-lag (like jet lag, but without the fun of travel). What it really gives us is more daylight in the evening, instead of more daylight in the morning. If you’re already a morning person, this isn’t the way to go. But if you prefer to have a long dinner in the summer sun it’s ideal. <h2>Has it always been this way?</h2> Earth’s axis hasn’t always been tilted at 23.44 degrees. It cycles from a minimum 22.1 degree tilt to a maximum 24.5 degree tilt and back again once every approximately 41,000 years. Earth’s axis also “precesses”, where the stick through it draws a circle once every approximately 26,000 years. You can see this in the animation below. <figure class="align-center zoomable"><a href="https://images.theconversation.com/files/622704/original/file-20241001-16-lh8pl9.gif?ixlib=rb-4.1.0&q=45&auto=format&w=1000&fit=clip"><img src="https://images.theconversation.com/files/622704/original/file-20241001-16-lh8pl9.gif?ixlib=rb-4.1.0&q=45&auto=format&w=754&fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/622704/original/file-20241001-16-lh8pl9.gif?ixlib=rb-4.1.0&q=45&auto=format&w=600&h=600&fit=crop&dpr=1 600w, https://images.theconversation.com/files/622704/original/file-20241001-16-lh8pl9.gif?ixlib=rb-4.1.0&q=30&auto=format&w=600&h=600&fit=crop&dpr=2 1200w, https://images.theconversation.com/files/622704/original/file-20241001-16-lh8pl9.gif?ixlib=rb-4.1.0&q=15&auto=format&w=600&h=600&fit=crop&dpr=3 1800w, https://images.theconversation.com/files/622704/original/file-20241001-16-lh8pl9.gif?ixlib=rb-4.1.0&q=45&auto=format&w=754&h=754&fit=crop&dpr=1 754w, https://images.theconversation.com/files/622704/original/file-20241001-16-lh8pl9.gif?ixlib=rb-4.1.0&q=30&auto=format&w=754&h=754&fit=crop&dpr=2 1508w, https://images.theconversation.com/files/622704/original/file-20241001-16-lh8pl9.gif?ixlib=rb-4.1.0&q=15&auto=format&w=754&h=754&fit=crop&dpr=3 2262w" alt="A gif of the Earth wobbling in a circle on its axis." /></a><figcaption>Demonstration of the precession of Earth’s axis. <a class="source" href="https://science.nasa.gov/resource/axial-precession-wobble/">NASA/JPL-Caltech</a></figcaption></figure> The length of a day on Earth hasn’t always been the same, either. At the moment, the length of a day is nearly exactly 24 hours. But it’s shifting all the time by tiny amounts. This is tracked very closely by a system of telescopes and satellites. These systems measure “<a href="https://ggos.org/item/earth-orientation-parameter/#:%7E:text=Accordingly%2C%20the%20EOP%20describe%20the,as%20tides%20and%20continental%20drift">Earth orientation parameters</a>” that describe Earth’s exact orientation compared to the position of stars in the sky. These are important to astronomers because the exact location of our telescopes is important for creating accurate maps of the sky. On top of all of this, the gravitational drag from the Moon causes days to become longer by around 2.3 milliseconds every 100 years. A few billion years ago, Earth’s day was a lot shorter – <a href="https://www.earthscope.org/news/a-day-is-not-always-24-hours-how-earths-shifting-systems-cause-day-length-variation/#:%7E:text=Billions%20of%20years%20ago%2C%20the,to%20the%20day%20every%20century">only 19 hours long</a>. Even though some of us are losing an hour of sleep this weekend, at least we get to enjoy 2.3 milliseconds longer every day than our great – and great-great – grandparents did.<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/240221/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/laura-nicole-driessen-892965">Laura Nicole Driessen</a>, Postdoctoral researcher in radio astronomy, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of 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/daylight-savings-is-about-to-start-but-why-do-the-days-get-longer-240221">original article</a>. </div>

Domestic Travel

Readers response: What are your tips for saving money effectively?

During a time where many people are struggling with the cost of living crisis, many are finding different ways to pinch the pennies. We asked our readers for their top tips for saving money efficiently, and the response was overwhelming. Here's what they said. Anita Thornton - Every month the bank takes a specified amount out of my current account and puts it in a goal saver account! It soon mounts up. Jo Davidson - Do your own cooking, cleaning and anything that you can do yourself. Barry Webber - Know the difference between spending money and wasting money. Peter Connolly - Save first, and spend afterwards. Heather O'Flynn - Take care of the pennies and the pounds will take care of themselves, even if it's a bit outdated now. You can ask your bank to move a set amount from your everyday account into a progress saver account each week and if you set it and forget it, you will get good compounding interest. Erlinda Nabong Mayers - Shop as you need, not as you want. Margie Buckingham - Have a goal to aim for. Len Rawlings - Don't spend if you don't need to. Image credits: Shutterstock

Money & Banking

Hero security guard tears up while speaking about girl he saved

Laila Johnson, 11, and her mother Samantha, 34, from Candelo near Bega in regional NSW, were sightseeing in London when the young girl was stabbed in a <a href="https://www.oversixty.com.au/health/caring/11-year-old-australian-girl-identified-as-london-stabbing-victim" target="_blank" rel="noopener">random attack</a> in Leicester Square. Abdullah, a security who was working nearby during the random attack, had jumped into action and saved her life by holding down the alleged attacker, Ioan Pintaru, until police arrived. On Thursday, Laila and her mum talked about the terrifying incident on Sunrise, and spoke about the incredible bond they had formed with the hero security guard. When shown the clip of Laila and her mum on Sunrise the day after, Abdullah was moved to tears by the heartfelt interview. “I will try to be in contact with them all my life,” Abdullah said, wiping away tears from his eyes. “She is just like my little sister now.” Abdullah was hailed as a hero for his bravery, and recognised at the Pakistan High Commission in London as part of their Independence Day celebrations on the 14th of August. Samantha had told Sunrise that Abdullah “is an absolutely gorgeous human”. “He’s just been checking in on Laila and myself and, yeah, we’ve just been keeping in contact,” she said. “He’s quickly taken Laila in as a little sister, and I think that he will continue to check in on her for a very long time." Pintaru — a Romanian citizen with no fixed address — was not asked to enter any pleas and was remanded in custody before his next hearing on September 10. He was charged with attempted murder and possession of a bladed article in a public place. Images: Seven

Caring

Booktopia saved from collapse

Online book retailer Booktopia have confirmed they have secured a buyer for the troubled business. Just one month after it entered administration, the bookseller has been sold to online electronics store digiDirect, with owner Shant Kradijan confirming his intention to hire 100 extra staff in addition to those still remaining. "We are incredibly pleased to have completed the sale of the Booktopia business to the owner of digiDirect," McGrathNicol Restructuring's administrator Keith Crawford said. "The transaction will result in the retention of all remaining employees, the recruitment of some 100 additional employees and continuity of supply for Booktopia's trade creditors. They have also encouraged former staff to rejoin the company. When Booktopia went into administration there were around 150,000 orders that went unfulfilled, most of them were pre-ordered books that had not yet been delivered to the company. Some customers who were owed books from the company managed to get refunds from their credit providers. An estimated $3 million was also owed to customers with gift cards, and Kradjian has confirmed that they are offering special arrangements to customers with unredeemed gift cards. "Booktopia has been a key part of Australia's publishing industry for 20 years, and transitioning the business to such a well-known Australian retailer is a great outcome for all stakeholders," Crawford said. He also thanked Booktopia's secured creditor, Moneytech, which provided funding for the business during the administrative period. According to Nine News, the sale price, which was not disclosed, will not provide return to shareholders. Image: Booktopia

Money & Banking

Yomojo savings: A lifeline in the cost-of-living crisis

In the wake of Telstra announcing yet another increase in mobile rates, Yomojo stands out with its much more affordable options – and, having never raised their prices for existing customers, that makes them an excellent choice for anyone looking for a quality mobile service without the hefty price tag. So if you’re looking for a mobile phone plan that grows with your family and offers fantastic savings, <a href="https://yomojo.com.au/family/" target="_blank" rel="noopener">Yomojo’s Family Bundles</a> offer the perfect solution. With these bundles, the more lines you add, the more you save! For example, adding two lines saves you 5%, while adding six lines saves you an impressive 15%. These discounted multi-line plans help reduce monthly expenses, ensuring that everyone in the family, including seniors, can stay connected without breaking the bank. By choosing Yomojo, families can manage their mobile costs more effectively, making a significant difference in their financial well-being during these challenging times. Yomojo also understands that every family is unique. That’s why they offer a range of Unlimited Plans that can be mixed and matched to suit each member’s needs and your budget. Whether you need 8GB or 100GB of data, Yomojo has you covered with plans starting as low as $19.90. Managing your family’s mobile services has never been easier. Yomojo provides a simple, secure, and easy-to-manage family dashboard where you can oversee all plan details through a single interface. Plus, with no lock-in contracts, you can freely customise your plans every month to adapt to your changing needs. Yomojo also offers proactive plan management to help you avoid bill shock, convenient plan renewals every 30 days, and easy top-ups to boost your mobile credit or data allocation as needed. Their exceptional customer service and reliable coverage make Yomojo a top choice for families across Australia. You can also “spread the love” for further savings with Yomojo’s simple and rewarding <a href="https://yomojo.com.au/mgm" target="_blank" rel="noopener">Referral Program</a>. Simply invite friends and family to join Yomojo, and both of you will receive a $20 credit when they activate their new SIM card. This is a win-win situation where you can refer as many people as you like, and watch your credits roll in! It’s a fantastic way to share Yomojo’s great service while enjoying additional savings on your own plan. But don’t just take our word for it – Yomojo customers have been raving about the great value, flexible plans and outstanding customer service. “By far the best value mobile plans out there,” wrote Stevo on ProductReview.com.au. “My wife and I both have accounts with them. Spoke to customer service and had my query dealt with quickly and effectively. Would recommend this company.” “I am a long-term Telstra customer who has never changed networks until now,” wrote Kerryn on Facebook Reviews. “The ever-rising charges I was receiving from Telstra promoted my change. My changeover experience has been very smooth. There was a lot of communication from Yomojo, both via sms and email, updating me with the progress of my sim card, activation and porting from Telstra.” “Definitely best value for money plan out there,” wrote Cam on Google Reviews. “Optus coverage has been very reliable as well. Excellent customer service and fast number porting.” So why not join the Yomojo family today and experience the freedom, flexibility and savings that come with their Family Bundles! For more information, visit <a href="https://yomojo.com.au/family/" target="_blank" rel="noopener">Yomojo Family Bundles</a>. Image: Shutterstock This is a sponsored article produced in partnership with Yomojo.

Money & Banking

5 foods to add to your shopping list to save money – and they’re good for you too

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/clare-collins-7316">Clare Collins</a>, <a href="https://theconversation.com/institutions/university-of-newcastle-1060">University of Newcastle</a> Food prices are <a href="https://www.abc.net.au/news/2024-06-13/anglicare-cost-living-unemployment-groceries-fuel-rent-prices/103972166?utm_medium=social&utm_content=sf273549397&utm_campaign=abc&utm_source=linkedin.com&sf273549397=1">adding pressure on household budgets</a>, especially for Australians on the lowest incomes. To help save money on the weekly groceries, consider adding these five staples to your shopping trolley: eggs, oats, carrots, UHT milk and apples. These foods rate highly on the <a href="https://pubmed.ncbi.nlm.nih.gov/20181811/">nutrient-rich foods index</a> and on cost, meaning they represent good value for money when it comes to buying nutritious food. Loading up on these items helps push more expensive, less nutritious foods out of your trolley. Keeping a supply at your place will also save extra trips to the shops, which saves petrol and time. <h2>1. Eggs</h2> Eggs are extremely good value at around A$6 a dozen (50 cents an egg). Meat, chicken and fish prices vary from $12 a kilo for mince, $12–$20 a kilo for chicken, to $20–$50 a kilo for steak and fish depending on cut or type. Selecting the cheapest cuts still costs $2–$3 a serve, compared to two eggs at a $1 serve. When you swap a red meat meal for an eggy dish, this can add up to a big saving. Try our egg recipes on the <a href="https://nomoneynotime.com.au/healthy-easy-recipes/filter/meals--dinner,lunch/superfoods--eggs">No Money No Time website</a>, from <a href="https://nomoneynotime.com.au/healthy-easy-recipes/sweetcorn-and-zucchini-fritters">fritters</a>, to <a href="https://nomoneynotime.com.au/healthy-easy-recipes/mushroom-omelette">omelettes</a>, or <a href="https://nomoneynotime.com.au/healthy-easy-recipes/clares-rainbow-rice">fried rice</a>. These recipes also help use up other items you have in the pantry, fridge and veggie crisper. Eggs are a good <a href="https://www.australianeggs.org.au/nutrition/nutrients-and-vitamins">source</a> of protein and also contain choline, lutein and zeaxanthin, vitamins A, B2, B12, D, E and folate, and minerals iron, zinc, iodine and selenium. For people concerned about eggs raising cholesterol, a <a href="https://pubmed.ncbi.nlm.nih.gov/38370115/">recent review of research evidence</a> concluded there wasn’t likely to be any adverse effect on overall disease risk when consuming up to one egg a day. <h2>2. Rolled oats</h2> Rolled oats vary a lot in price from about $2 a kilogram for “own brand”, up to $9 for premium varieties. Oats are really <a href="https://nomoneynotime.com.au/healthy-easy-recipes/filter/keywords--Oats">versatile</a>. For breakfast you can make <a href="https://nomoneynotime.com.au/healthy-easy-recipes/microwave-porridge">porridge</a>, <a href="https://nomoneynotime.com.au/healthy-easy-recipes/easy-overnight-oats">overnight oats,</a> DIY muesli or <a href="https://nomoneynotime.com.au/healthy-easy-recipes/gingerbread-granola">granola</a>. Oats make a pastry substitute for a <a href="https://nomoneynotime.com.au/healthy-easy-recipes/clares-rolled-oats-quiche">quick and easy quiche base</a>. Or blitz them in a food processor and use as a breadcrumb substitute. For dessert, you can use them to top a comforting <a href="https://nomoneynotime.com.au/healthy-easy-recipes/wholegrain-apple-crumble">apple crumble</a>. <a href="https://www.glnc.org.au/resource/oats-2/">Oats are a wholegrain</a>, meaning they retain every part of the original grain – the germ, bran and outer layers – and hence more fibre and nutrients. Oats are a rich in beta-glucan, a soluble fibre that <a href="https://pubmed.ncbi.nlm.nih.gov/34236436/">helps lower blood cholesterol levels</a> by binding with bile acids in the gut, meaning they can’t be converted into LDL (bad) cholesterol. They <a href="https://www.glnc.org.au/resource/oats-2/">also contain</a> B vitamins of thiamin (b1), riboflavin (B2), niacin (B3), pyridoxine (B6), pantothenic acid (B5) and folate (B9), as well as vitamin E and the minerals iron, zinc, magnesium, phosphorus and potassium. <h2>3. Carrots</h2> It’s hard to get better value than a bag of carrots at about $2.50 a kilo. They last for ages in the fridge and can be eaten raw, as carrot sticks or with <a href="https://nomoneynotime.com.au/healthy-easy-recipes/moroccan-carrot-dip">carrot dip</a>, or baked to make carrot veggie “<a href="https://nomoneynotime.com.au/healthy-easy-recipes/vegetable-chips">chips</a>”. Try grating carrot as an extra on a salad roll or <a href="https://nomoneynotime.com.au/healthy-easy-recipes/basic-beef-burgers">burger</a>, or mixed into grated cheese to extend it when topping tacos, pasta or pizza, or even a dish like <a href="https://nomoneynotime.com.au/healthy-easy-recipes/carrot-and-cauliflower-macaroni-cheese">mac and cheese</a>. Other versatile uses include soup, <a href="https://nomoneynotime.com.au/healthy-easy-recipes/carrot-puree">carrot mash</a>, <a href="https://nomoneynotime.com.au/healthy-easy-recipes/baked-carrots-with-honey-thyme">roasted carrots</a> or, for something sweet, carrot muffins or <a href="https://nomoneynotime.com.au/healthy-easy-recipes/easy-carrot-cake-bliss-balls">bliss balls</a>. Carrots are rich in the carotenoids <a href="https://ods.od.nih.gov/factsheets/VitaminA-HealthProfessional/">alpha-carotene and beta-carotene</a>, which get converted into vitamin A in the body and used in antibody production and to maintain <a href="https://ods.od.nih.gov/factsheets/VitaminA-Consumer/">healthy functioning</a> of your eyes, skin, lungs and gut. <h2>4. Longlife skim milk</h2> Longlife skim milk costs about $1.60 a litre. While some fresh varieties are around the same price, the value of longlife milk is that you can keep a store of it in the cupboard, meaning you never run out and it has a long shelf life. Milk makes great <a href="https://nomoneynotime.com.au/healthy-easy-recipes/banana-breakfast-smoothie">smoothies</a> and is an essential ingredient in dishes from quiche to <a href="https://nomoneynotime.com.au/healthy-easy-recipes/cauliflower-cheese-bake">cauliflower cheese</a> to <a href="https://nomoneynotime.com.au/healthy-easy-recipes/clares-lemon-orange-delicious">lemon delicious</a> pudding. <a href="https://www.betterhealth.vic.gov.au/health/healthyliving/milk#nutrients-in-milk">Milk contains</a> protein, calcium, magnesium, zinc, potassium and vitamins A, B2 and B12. Research shows regular milk consumption is <a href="https://www.betterhealth.vic.gov.au/health/healthyliving/milk#milk-and-health-conditions">associated with</a> a lower risk of developing osteoporosis, high blood pressure, type 2 diabetes, heart disease and colon cancer. <h2>5. Apples</h2> A bag of apples costs about $4 or 60 cents an apple and $4–$5 for a large can of stewed apple. Apples make a portable snack. Add <a href="https://nomoneynotime.com.au/healthy-easy-recipes/comforting-apple-porridge">them to porridge</a>, serve <a href="https://nomoneynotime.com.au/healthy-easy-recipes/pork-loin-rolls">with pork</a>, <a href="https://nomoneynotime.com.au/healthy-easy-recipes/carrot-and-apple-coleslaw-with-mustard-vinaigrette">in coleslaw</a> or in <a href="https://nomoneynotime.com.au/healthy-easy-recipes/wholegrain-apple-crumble">apple crumble</a>. Apples <a href="https://pubmed.ncbi.nlm.nih.gov/35502671/">contain</a> dietary fibre and pectin, vitamin B6 and C, and the minerals potassium, calcium, nitrogen, magnesium and traces of zinc, iron and copper. In <a href="https://pubmed.ncbi.nlm.nih.gov/31667463/">observational studies</a>, people who ate more apples had a lower risk of heart disease, stroke, type 2 diabetes and death from any cause. For easy, tasty, economical meals that are quick to prepare, without too much effort, along with our food budget tips, visit our team’s <a href="https://nomoneynotime.com.au/">No Money No Time</a> website.<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/229903/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/clare-collins-7316">Clare Collins</a>, Laureate Professor in Nutrition and Dietetics, <a href="https://theconversation.com/institutions/university-of-newcastle-1060">University of Newcastle</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/5-foods-to-add-to-your-shopping-list-to-save-money-and-theyre-good-for-you-too-229903">original article</a>. </div>

Food & Wine

Hero father who died trying to save his daughters identified

Tributes have flowed for the 40-year-old man who tragically <a href="https://oversixty.com.au/health/caring/father-remembered-for-instinctive-act-of-bravery-before-train-tragedy" target="_blank" rel="noopener">died</a> while trying to save his daughters after their pram rolled onto train tracks in Sydney’s south. Anand Runwal, who worked at an IT firm in North Sydney, and his two-year-old daughter were killed during the heroic rescue. Mr Runwal, his wife Poonam and their two children had only lived in Sydney for nine months, after relocating from India last October. A fundraiser has been set up for the grieving family who are facing “unimaginable grief and trauma” following the tragic incident. “The father’s selfless act of bravery has left the local community in shock and mourning. The family, part of the local Indian community, is now facing unimaginable grief and trauma. The 39-year-old mother witnessed the horrifying incident and is struggling to cope with the loss of her husband and daughter,” the fundraiser read. “In the wake of this devastating accident, we are reaching out to the community for support. The funds raised will go directly to the family to cover funeral costs, medical expenses for the surviving daughter, and ongoing support for the grieving mother.” “This is an incredibly difficult time for them, and any contribution, no matter how small, will make a significant difference.” Sreyas Gopalakrishnan Thottarath, a school friend of Mr Runwal, expressed his condolences in a tribute on social media, writing, “Dear friends, it is with a heavy heart that I share the tragic news of the untimely passing of Anand Runwal ( From 1999 Batch) and his daughter.” “Our deepest condolences go out to their family and loved ones during this incredibly difficult time.May their souls rest in peace.” NSW Police Superintendent Paul Dunstan was one of many who praised Runwal’s "brave and heroic" act, saying, “He’s gone into parent mode and tried to save his two young daughters that have fallen onto the tracks and in doing so it’s cost his life, but it’s an incredibly brave and heroic act." Image credits: Facebook

Caring

COVID vaccines saved millions of lives – linking them to excess deaths is a mistake

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/paul-hunter-991309">Paul Hunter</a>, <a href="https://theconversation.com/institutions/university-of-east-anglia-1268">University of East Anglia</a> A recent <a href="https://bmjpublichealth.bmj.com/content/2/1/e000282">study</a> has sparked another <a href="https://nypost.com/2024/06/06/us-news/covid-vaccines-may-have-helped-fuel-rise-in-excess-deaths-since-pandemic-study/">round of</a> <a href="https://www.telegraph.co.uk/news/2024/06/04/covid-vaccines-may-have-helped-fuel-rise-in-excess-deaths/">headlines</a> <a href="https://www.gbnews.com/health/covid-vaccine-side-effects-deaths">claiming</a> that COVID vaccines caused excess deaths. This was accompanied by a predictable outpouring of <a href="https://x.com/DrAseemMalhotra/status/1797922073798717524">I-told-you-sos</a> on social media. Excess deaths are a measure of how many more deaths are being recorded in a country over what would have been expected based on historical trends. In the UK, and in many other countries, death rates have been higher during the years 2020 to 2023 than would have been expected based on historic trends from before the pandemic. But that has been known for some time. A couple of years ago I wrote an article for <a href="https://theconversation.com/summer-2022-saw-thousands-of-excess-deaths-in-england-and-wales-heres-why-that-might-be-189351">The Conversation</a> pointing this out and suggesting some reasons. But has anything changed? The authors of the new study, published in BMJ Public Health, used publicly available data from <a href="https://ourworldindata.org/COVID-vaccinations">Our World in Data</a> to determine which countries had “statistically significant” excess deaths – in other words, excess deaths that couldn’t be explained by mere random variation. They studied the years 2020 to 2022 and found that many, but not all, countries did indeed report excess deaths. The authors did not try to explain why these excess deaths occurred, but the suggestion that COVID vaccines could have played a role is clear from their text – and indeed widely interpreted as such by certain newspapers. There is no doubt that a few deaths were associated with <a href="https://journals.sagepub.com/doi/full/10.1177/25166026211053485">the COVID vaccines</a>, but could the vaccination programme explain the large number of excess deaths – 3 million in 47 countries – that have been reported? Based on <a href="https://www.ons.gov.uk/peoplepopulationandcommunity/birthsdeathsandmarriages/deaths/articles/excessdeathsinenglandandwales/march2020todecember2021">death certificates</a>, during 2020 and 2021 there were more deaths from COVID than estimated excess deaths in the UK. So during the year 2021 when most vaccine doses were administered, there were actually fewer non-COVID deaths than would have been expected. It was only in 2022 that excess deaths <a href="https://www.ons.gov.uk/peoplepopulationandcommunity/birthsdeathsandmarriages/deaths/articles/deathregistrationsummarystatisticsenglandandwales/2022">exceeded COVID deaths</a>. If the vaccination campaign was contributing to the excess deaths that we have seen in recent years, then we should expect to see more deaths in people who have been vaccinated than in those who have not. The most reliable analysis in this regard was done by the UK’s <a href="https://www.ons.gov.uk/peoplepopulationandcommunity/birthsdeathsandmarriages/deaths/articles/excessdeathsinenglandandwales/march2020todecember2021">Office for National Statistics (ONS)</a>. In this analysis, the ONS matched death registrations with the vaccine histories of each death recorded. They then calculated “age-standardised death rates” to account for age differences between those vaccinated and those not. What the ONS found was that in all months from April 2021 to May 2023, the death rate <a href="https://www.ons.gov.uk/redir/eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9.eyJpbmRleCI6MSwicGFnZVNpemUiOjEwLCJwYWdlIjoxLCJ1cmkiOiIvcGVvcGxlcG9wdWxhdGlvbmFuZGNvbW11bml0eS9iaXJ0aHNkZWF0aHNhbmRtYXJyaWFnZXMvZGVhdGhzL2RhdGFzZXRzL2V4Y2Vzc2RlYXRoc2luZW5nbGFuZGFuZHdhbGVzIiwibGlzdFR5cGUiOiJyZWxhdGVkZGF0YSJ9.Cot-XDe8Rr07paGllBNnVVz1nTqnXfVafn2woA3tk0c">from all causes was higher</a> in the unvaccinated than in people who had been vaccinated at least once. That deaths from all causes were lower in the vaccinated than the unvaccinated should come as no surprise given that COVID was a major cause of death in 2021 and 2022. And there is ample evidence of the <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC10492612/">protective effect of vaccines</a> against severe COVID and death. But what is even more convincing is that, even when known COVID deaths were excluded in the ONS report, the death rate in the unvaccinated was still higher, albeit not by very much in more recent months. Some COVID deaths would certainly not have been recognised as such. But, on the other hand, people with chronic conditions, such as diabetes, were a high priority for vaccination. And these people would have been at increased risk of death even before the pandemic. <h2>Possible causes</h2> If the vaccine is not the cause of the excess deaths, what was? The major cause of the excess deaths reported in the first two years of the BMJ Public Health study was deaths from COVID. But by 2022, excess deaths exceeded COVID deaths in many countries. Possible <a href="https://theconversation.com/summer-2022-saw-thousands-of-excess-deaths-in-england-and-wales-heres-why-that-might-be-189351">explanations</a> for these excess deaths include longer-term effects of earlier COVID infections, the return of infections such as influenza that had been suppressed during the COVID control measures, adverse effects of lockdowns on physical and mental health, and delays in the diagnosis of life-threatening infections as health services struggled to cope with the pandemic and its aftermath. We do need to look very carefully at how the pandemic was managed. There is still considerable debate about the effectiveness of different behavioural control measures, such as self-isolation and lockdowns. Even when such interventions were effective at reducing transmission of COVID, what were the harms and were the gains worth the harms? Nevertheless, we can be confident that the excess deaths seen in recent years were not a consequence of the vaccination campaign.<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/231776/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/paul-hunter-991309">Paul Hunter</a>, Professor of Medicine, <a href="https://theconversation.com/institutions/university-of-east-anglia-1268">University of East Anglia</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/covid-vaccines-saved-millions-of-lives-linking-them-to-excess-deaths-is-a-mistake-231776">original article</a>. </div>

Body

Trying to save money? Our research suggests paying in cash – while you still can

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/lachlan-schomburgk-1535737">Lachlan Schomburgk</a>, <a href="https://theconversation.com/institutions/university-of-adelaide-1119">University of Adelaide</a>; <a href="https://theconversation.com/profiles/alex-belli-1538870">Alex Belli</a>, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a>, and <a href="https://theconversation.com/profiles/arvid-o-i-hoffmann-1150527">Arvid O. I. Hoffmann</a>, <a href="https://theconversation.com/institutions/university-of-adelaide-1119">University of Adelaide</a> Cash is in crisis. In Australia, it’s now only used for 16% of in-person transactions, down from <a href="https://www.rba.gov.au/publications/bulletin/2023/jun/cash-use-and-attitudes-in-australia.html">about 70%</a> in 2007. The situation is so dire that on Monday, independent federal MP Andrew Gee introduced a <a href="https://www.smh.com.au/politics/federal/saving-the-lobster-prawn-and-pineapple-mps-fight-to-force-shops-to-take-cash-20240603-p5jit4.html">private member’s bill</a> that would force businesses to accept cash or else face big fines. The reality is that over the past decade, technological advancements have utterly transformed the way we pay for goods and services. Phones and smartwatches can now easily be used to pay by card, and buy-now-pay-later schemes and cryptocurrency payments offer further alternatives. The shift away from cash only <a href="https://www.worldbank.org/en/news/press-release/2022/06/29/covid-19-drives-global-surge-in-use-of-digital-payments">accelerated</a> throughout the COVID pandemic, as health experts recommended avoiding using it for hygiene reasons. Despite these big changes in how we spend money, Australians have perhaps been more focused on how much amid a stubborn cost-of-living crisis. In light of this, our research team wanted to investigate how our choice of payment method can interact with our actual spending habits. Our <a href="https://www.sciencedirect.com/science/article/pii/S0022435924000216#bib0104">latest research</a> offers a simple solution for anyone looking to save money — carry more cash! <h2>We pay less when we pay cash</h2> Drawing on both academic and industry sources, our research team combined the results from more than four decades of prior research on spending behaviour and payment methods into a large dataset. This data spanned 71 research papers, 17 countries, and more than 11,000 participants. State-of-the-art meta-analysis techniques then allowed us to collectively analyse the results from all these prior studies, and re-examine their insights. We found that cashless payments were indeed associated with higher levels of consumer spending compared to cash transactions, something that is referred to in the literature as the “cashless effect”. This cashless effect was consistent across all other payment methods in the data set. Put simply, it doesn’t matter whether you use a credit card, debit card or a buy-now-pay-later service – you are likely to spend more money using cashless methods than when you pay with cash. <h2>The pain of paying</h2> Under the traditional economic view that consumers behave rationally, there should be no differences in spending behaviour between different payment methods – money is money after all. But the existence of the cashless effect shows that the payment methods we use do indeed influence our spending behaviour. The leading theory to explain this effect attributes it to differences in the “pain of paying”, a concept <a href="https://www.researchgate.net/publication/280711796_The_Pain_of_Paying">first coined in 1996</a> that describes the emotions we feel when spending money. Importantly, our choice of payment method can influence the level of pain felt. When paying with cash, we have to physically count out notes and coins and hand them over. Humans seek to avoid losses, and paying by cash sees us physically lose a tangible object. Conversely, nothing has to be handed over to pay cashlessly. We don’t lose anything tangible with a swipe or a tap, so it feels less painful. Preliminary neurological evidence suggests that the “pain of paying” isn’t just an abstract metaphor, and we may feel actual psychological pain with each transaction we make. <a href="https://papers.ssrn.com/sol3/papers.cfm?abstract_id=2901808">Research</a> employing functional magnetic resonance imaging (fMRI) scans to observe brain activity in consumers has shown that paying activates brain regions related to experiencing psychological discomfort. Picture this: You’re at a theme park, excited for a fun day. You use your smartwatch to pay for snacks, souvenirs and rides. It’s all so convenient that you don’t realise how much you’re spending until you check your account later and see that you have completely blown your budget! This is the cashless effect in action − if nothing is physically handed over, it’s easy to lose track of how much is spent. <h2>A great tool for budgeting – while it lasts</h2> The cost of living crisis has made spending control front-of-mind for many people. Our meta-analysis suggests that returning to “cold hard cash” whenever possible could be one valuable tool to help. The increased friction felt when using cash could help people better control their money, even just by providing a moment to pause and consider whether a transaction is necessary. This could help individuals make more mindful decisions, saving money while they can in an increasingly cashless world.<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/231499/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/lachlan-schomburgk-1535737">Lachlan Schomburgk</a>, PhD Researcher in Marketing, <a href="https://theconversation.com/institutions/university-of-adelaide-1119">University of Adelaide</a>; <a href="https://theconversation.com/profiles/alex-belli-1538870">Alex Belli</a>, Senior Lecturer in Marketing, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a>, and <a href="https://theconversation.com/profiles/arvid-o-i-hoffmann-1150527">Arvid O. I. Hoffmann</a>, Professor of Marketing, <a href="https://theconversation.com/institutions/university-of-adelaide-1119">University of Adelaide</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/trying-to-save-money-our-research-suggests-paying-in-cash-while-you-still-can-231499">original article</a>. </div>

Money & Banking

Australian superannuation changes and your retirement savings

Superannuation has been a working retirement model plan for years, and the government makes constant changes to ensure these approaches remain feasible in today’s society. The Australian government announced changes to superannuation in February 2023, and since then, there have been new considerations for employers to deliberate over regarding super account plans for employees. Here is a look at the most recent alterations and what they mean for your super account and retirement plans. <h2>Understanding Superannuation</h2> Superannuation, or “super,” is money put aside in an account throughout an employee’s work experience. The sole purpose is for these individuals to have something to live on when they retire. For most people, it involves their employers taking from their salary and putting aside the dictated sum in a super account. These contributions are paid outside your wages or salary and are based on existing laws on how much recruiters must pay. There are also age and earning limits involved. For instance, you may not be eligible for a super account if you’re under 18 and work less than 30 hours weekly. Eligible individuals have to work over 30 hours weekly and have an earning cap of $450 or more (before tax) to be paid super. These funds are typically invested in assets like stocks, bonds, real estate, and others that can help yield interest over time. You can also manage your investments through the forex market using an advanced <a href="https://www.oanda.com/au-en/trading/platforms/" target="_blank" rel="noopener">Australian trading platform</a>. <h2>Recent Superannuation Changes in Australia</h2> <img src="https://oversixtydev.blob.core.windows.net/media/2024/06/Australian-superannuation-changes-and-your-retirement-savings01.jpg" alt="" width="1280" height="720" /> Following the introduction of the Superannuation Bill in 2016, a series of changes have been made to the annotation laws. On November 9, 2016, the Australian government introduced the bill, which was meant to help preserve the objectives of superannuation in the legislation. From the onset, this model aimed to provide income in retirement to replace or supplement the age-pending laws. The objective of this scheme has remained the same, and changes made over the years have been towards improving efficacy rather than impeding its relevance. The most recent of these reforms took place in 2013, and below is a summary of what these changes entail and how they affect retirees. <h2>Superannuation on Paid Parental Leave</h2> One of the first alterations was the announcement that superannuation would be payable to the Commonwealth’s Parental Leave Scheme to close the gender super gap. This means that superannuation will be paid on Government-funded Paid Parental Leave (PPL) for parents who give birth or adopt children on or after July 1, 2025. It’s easy to understand why this measure was introduced. When implemented, it is expected to benefit over 18,000 parents annually. Also, it will bring more balance to the ratio of payables between women and men. <h2>Increase in Super Guarantee</h2> The May 2024 Federal Budget also revealed the legislated increase of the Sper Guarantee to 12% will remain the same. From July 1, 2024, the fee will increase to 11.5%, after which an additional 0.5% will be added on July 1, 2025. Employees can look forward to this increase as some extra long-term payment to their retirement funds. Although it might seem like a slight increase, the addition over the long-term working period accumulates too much and could make a significant difference, especially with compound interest. <h2>Super Payment at the Time of Salary and Wages</h2> <img src="https://oversixtydev.blob.core.windows.net/media/2024/06/Australian-superannuation-changes-and-your-retirement-savings02.jpg" alt="" /> This particular change was proposed but is yet to be legislated. It states that from July 1, 2026, employers will be required to pay their workers suer at the same time they pay salary and other wages. This change aims to better track these payments and mitigate issues, such as non-payments or discrepancies. The Australian Taxation Office (ATO) also revealed that monitoring compliance from employers to their employees will be easy. Furthermore, there are reasons to believe this will bring better yields on the end of the receivers since fees paid faster will compound better ad yields and higher interests. <h2>Additional Changes to Be Legislated</h2> From July 1, 2025, a 30% concessional tax rate will be implemented for future earnings for balances over $3 million rather than the usual 15%. This alteration will impact over 80,000 people between 2025 and 2026. Lastly, the existing 2-year freeze on deeming rates at 2.25% has been shifted forward until June 30, 2025. This translates to retirees <a href="https://www.theguardian.com/money/2024/mar/26/little-planning-for-looming-retirement-crisis-blackrock-chief-warns" target="_blank" rel="noopener">continuing to benefit</a> from the present rate of 0.25% until the new allocated time. This measure can help alleviate the cost of living and is currently benefiting over 876,000 income support recipients and 450,000 aged pensioners. <h2>Maximising Your Retirement Savings With Super</h2> Super savings were introduced to allow employees to save a percentage of their earnings towards retirement so they have something to live on in their non-working years. The recent changes will surely improve things, and all you have to do is be sure that your employee is paying your super and doing so at the expected time. You can use the <a href="https://www.ato.gov.au/calculators-and-tools/super-estimate-my-super" target="_blank" rel="noopener">“estimate my super”</a> tool offered by the government to estimate how much your employee should pay. All images: Supplied. In collaboration with OANDA.

Money & Banking

How do I plan for my retirement? Step one – start right away

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/bomikazi-zeka-680577">Bomikazi Zeka</a>, <a href="https://theconversation.com/institutions/university-of-canberra-865">University of Canberra</a> Planning for retirement is important because it will help you build the nest egg you’ll need to financially sustain your retirement years. Past <a href="https://www.tandfonline.com/doi/epdf/10.1080/03601277.2012.660859?needAccess=true">studies</a> have shown that those who plan for their retirement are more likely to be better off at retirement compared to those don’t. The sooner the planning process gets underway, the better. This gives your money more time to grow by generating investment returns. And the income from your first job is your first opportunity to save for retirement. As the saying goes: “The best time to plant a tree was 20 years ago. The second best time is now.” As people <a href="https://www.statssa.gov.za/?p=15601">can expect to live longer</a>, they must save more for retirement so that they don’t outlive their savings. This is particularly true given that the pensions landscape worldwide has undergone some major changes. In the past, governments and employers provided retirement income for individuals through government social security benefits and employment-based retirement funds. Because of increasing life expectancies, pension plans that guaranteed a retirement benefit to employees are now rare. Employees are now responsible for making contributions towards their own pensions as well as choosing the investments offered by the pension fund. Since employers are no longer responsible for funding their employees’ retirement and governments lack resources to provide a universal state pension, each person is ultimately responsible for ensuring they have enough retirement savings. So it’s very important to know the basics of the retirement planning process. As a researcher, I’m interested in how people use financial products to overcome economic challenges and build wealth. One of the things I investigate is whether planning for retirement leads to better retirement outcomes. For instance, my <a href="https://www.researchgate.net/profile/Bomikazi-Zeka-2/publication/340130176_Retirement_funding_adequacy_in_black_South_African_townships/links/5e8bf3924585150839c6408b/Retirement-funding-adequacy-in-black-South-African-townships.pdf?_sg%5B0%5D=started_experiment_milestone&origin=journalDetail&_rtd=e30%3D">research</a> has found that individuals whose financial affairs are in order are more likely to maintain their standard of living at retirement. Given that everyone’s financial situation is unique, it’s always a good idea to speak to a financial planner for tailored financial advice. If you haven’t given retirement planning much thought or don’t know where to start, here are four points to help get the ball rolling. <h2>What are my retirement goals?</h2> Retirement goals make you think about what you want to achieve by the time you retire and what you need to do to achieve it. Some people may have a goal in mind about when they want to retire, or how much wealth they’d like to have by the time they retire. And since wealth has different meanings for different people, others may think about maintaining or improving their standard of living at retirement. Once you’ve thought about your retirement goals, the <a href="https://corporatefinanceinstitute.com/resources/management/smart-goal/">“smart” goals</a> framework is a useful guide. It outlines that goals should be: specific, measurable, attainable, relevant and time-bound. When goals are clear, within reach, achievable, realistic and time-sensitive, they become a blueprint to help you turn them into a reality. <h2>How do I start saving for retirement?</h2> For those who have a job that comes with retirement fund membership, a workplace pension is used to provide for retirement. But there are also other options available to help you save. For instance, retirement annuity funds are voluntary retirement savings. Personal assets such as <a href="https://www.allangray.co.za/what-we-offer/unit-trust-investment/#fund-3">unit trusts</a> or <a href="https://www.gov.za/faq/money-matters/how-can-i-make-tax-free-investment">tax-free investments</a> can also be used as a savings tool. Unit trusts are generally better suited for people willing to take on risk because their value is tied to the movements of financial markets. In other words, they can generate positive returns but they can also lose value. The drawback of tax-free investments in South Africa is that they have a lifetime contribution limit. You can’t use them to save more than R500,000 (US$27,400). Each of these options has its advantages and disadvantages and what works best for one person may not be best for another. But there are several ways to save for retirement depending on your financial situation and retirement goals. Getting professional advice will help you determine what’s best for you. <h2>Will my retirement savings be enough?</h2> Once you’ve set your retirement goals and have a retirement savings plan in place, you can calculate whether you are saving enough to achieve your retirement goals. For example, if your retirement goal is: “I want to retire at the age of 65 years with an income equivalent to R35,000 (US$1,900) per month” then you can use a <a href="https://www.sanlam.co.za/tools/Pages/retirement.aspx">retirement calculator</a> to track your progress and determine whether you need to make adjustments to meet your goals. You might have to increase the monthly amount you’re putting away for retirement or reconsider your retirement age. The retirement calculators are also a useful tool for regular check-ins on your progress should your financial situation change – for example, if you change employers and earn a different salary. <h2>What other issues should I consider?</h2> It’s also important to think about your lifestyle and priorities. For instance: <ul> <li> do you aim to retire with your mortgage settled? </li> <li> are there debts you plan to clear before you retire or children who need financial support at retirement? </li> <li> would you like to renovate your home? </li> <li> would you like to buy a new car when you reach retirement age? </li> </ul> Another important consideration is healthcare costs. Many people assume that they will be able to work indefinitely and overlook the fact that healthcare costs may increase with age. <h2>Starting early matters</h2> Many people plan to work after retirement age, while others don’t plan to retire at all. It may be that they can’t afford to. They may have accessed their retirement benefits too soon, made inconsistent retirement fund contributions, or had to pay high administrative costs that eroded the final value of a retirement payout. So best be prepared. Retirement may seem like a distant event to plan and save for, especially when there are more pressing financial needs. It’s important to think about the financial decisions you make now that may cost you in the future. If you start to plan for your retirement now, your future self will thank you for it.<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/230553/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/bomikazi-zeka-680577">Bomikazi Zeka</a>, Assistant Professor in Finance and Financial Planning, <a href="https://theconversation.com/institutions/university-of-canberra-865">University of Canberra</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/how-do-i-plan-for-my-retirement-step-one-start-right-away-230553">original article</a>. </div>

Retirement Income

"Not going to save anybody": Exit row passenger prompts plane evacuation

A whole plane has been forced to disembark after a woman seated in the exit row refused to comply with safety instructions. Passengers were up in arms when they had to leave the plane, after the woman was overheard telling cabin crew that she would only save herself in the event of an emergency, before yelling at flight attendants. The interaction, which was captured by another passenger on video and posted to TikTok, shows the woman becoming heated while talking to cabin crew on the Frontier flight. The passenger can then be seen and heard progressively raising her voice to cabin crew, with fellow flyers pleading with the woman to disembark the plane. The traveller who filmed the altercation claims the woman said she was “not going to save anybody” when seated in the exit row, saying the disgruntled passenger had “attitude” and went on to say that if something were to happen, she would “only save” herself. “That was her attitude throughout the seating process. And I already knew something was about to pop off when she had that attitude,” the TikTok user said. The altercation only became more heated as the yelling progressed, before police eventually arrived on the plane to escort the woman off. The video then shows another Frontier employee approach the passenger and say, “I’m gonna ask you one more time, nicely, to get off, if not, we’re going to deboard the plane and police will come and escort you off.” When the cabin crew make repeated futile attempts to get through the woman, the pilot came down from the cockpit to try and call for calm. “You’re inconveniencing everybody else,” the pilot can be heard saying to the woman. as the pair continue to exchange words while he repeatedly points toward the front of the plane. Following the failed attempts, two police officers then make their way down the aisle and towards the passenger. Towards the end of the five-minute video, which has been viewed more than 80,000 times, all the passengers on board the flight were filmed disembarking the aircraft while the passenger at the centre of the ordeal exits with police from a separate door onto the tarmac. It is unclear if charges were laid. Image credits: TikTok

Travel Trouble

“Never seen anything like it”: Man runs into inferno to save pet dogs

A Perth man has faced danger head on after running back into his burning house to save his pet dogs. He and his mum escaped from the fire at their Winthrop home about 5.30pm on Tuesday. When they realised their two beloved dogs were still inside, the man ran back towards danger and emerged not long after with a dog in each arm. The fire started in the garage and spread throughout the whole house within minutes. “I’ve never seen anything like it before, it went up so quickly,” Winthrop resident Phoebe told 7NEWS. “Everybody was very sombre because it was very sad.” Now, the family has lost a lifetime of memories on top of an accident the mother faced just four months ago after she was run over by a car. “She’s a really lovely lady and she just came out of hospital,” neighbour Grace said. “She just wanted to come back, relax in her house and start her life again and then this happened.” Firefighters had managed to stop the fire from spreading to neighbouring homes, although the cause is yet to be determined. “Due to the ferocity of the fire the houses on either side were at risk so the firefighters did a fantastic job to contain it,” fire investigator Stuart Parks said. Image: 7NEWS

Family & Pets

“We need a donor”: Parents' desperate plea to save young daughter

The heartbroken parents of five-year-old Addison Kemp have made a desperate plea to save their young daughter. Addison suffers from a rare health condition called severe Aplastic anaemia, which means that her body’s bone marrow does not produce enough new blood cells to carry out vital tasks like carry oxygen, control infections or heal after an injury. This means that even a simple nosebleed can be catastrophic for the young girl, as she's forced to spend days in hospital getting blood transfusions to stay alive. Her parents Bianca and Daniel have spoken about her condition in an interview with A Current Affair and explained how without a bone-marrow transplant, the condition could mean death for their young daughter. “She wouldn’t live,” Ms Kemp said. “We need a donor.” The couple first found out about their daughter's condition after she returned home from school with bruises all over her body. Addison was taken to the doctor for a blood test, and they found out about the devastating condition a day later and were told to immediately take her to Queensland Children’s Hospital. “I was gutted, I was devastated. Getting a phone call from the doctor saying you need to rush your little girl to the hospital. That wasn’t a phone call that I wanted,” Mr Kemp said. Addison now has to stay in hospital until she can be matched with a donor. Her little sister Crimson, misses her every day that they are apart. “She gets a bit upset every day that they are not home,” Mr Kemp said. The family said that their bone-marrow did not match up with Addison, and no registered Australian donors had matched up with her either. However, not all hope is lost as any regular Australian could help save a life. Lisa Smith, from bone marrow donation charity Strength to Give, said that the donation process is similar to donating blood which involves a short course of injections before the operation. “The vast majority of time, it is you sitting in a chair, having your blood filtered, while you are watching Netflix," Smith said. Ms Kemp begged Australians to sign up as donors. “I really want to put the message out there that if you can, do,” she said. “You could be saving a life, that’s the biggest thing you could do in the world.” Image: A Current Affair

Caring

Why millions of Aussies are falling behind on superannuation savings

Millions of Aussies are falling behind on their superannuation savings, with nearly one in two Australians on track for a grim retirement. According to research from superannuation and investments company Vanguard, this huge number of Australians have no idea how much they are playing in fees to their super funds, which can greatly impact how much you have in savings when your retirement day comes. “We are coming up against a stubborn statistic in our retirement research again this year — almost one in two Australians still don’t know what they pay in super fees,” Vanguard Investments Australia managing director Daniel Shrimski said. Also adding to the confusion of how much is needed for comfortable gold year is different companies sharing conflicting numbers on what figures to strive for in your superannuation. Superannuation consultancy company Australian Retirement Trust’s latest research shows the average superannuation balance for someone age 35 to 44 is $92,700, however this should be closer to $156,000 to be on track for a “comfortable retirement”. The average worker aged 55 to 64 has $285,900 in super but a 60-year-old needs close to $453,000 in retirement savings, ART said. “In the past 12 months, only one in five of us has checked our super balance,” Australian Retirement Trust executive general manager Anne Fuchs said, adding 70 per cent of Australians feel they don’t have enough money to retire on. “We talk to members all the time who have reached the end of their working life full of regret, wishing they had done something earlier. Australia has a monster problem whereby not enough of us are engaging with our super." “The earlier you start paying attention and understanding how your money is invested ... then you’ll really be able to finish work and put your feet up.” Financial consultancy Link Wealth director and financial adviser Joshua Lee told <a href="https://7news.com.au/news/new-research-shows-aussie-superannuation-savings-falling-short-of-retirement-needs--c-14507773" target="_blank" rel="noopener">7News</a> that one of the most important tips for Australians is to take notice and understand their superannuation payments and what they pay in fees. “Take notice of what your account is doing,” he said. “Look at your statement when it comes in every year so you can understand what fees are being deducted from your account because that will have an impact on how much money you have come retirement.” Image credits: Shutterstock

Retirement Life

How niggling hip pain led a squash coach to life-saving cancer diagnosis

Melbourne squash coach and player Malcolm McClarty had been experiencing frequent pain in his right hip area for about 12 months before he mentioned it to one of his clients, a top medical oncologist, in October last year. The 63-year-old father-of-three coaches Professor Niall Tebbutt at the Kooyong Lawn and Tennis Club in Melbourne. Despite having lost his younger sister to pancreatic cancer just months earlier, Malcolm had been brushing off the pain, thinking it was a niggling sporting injury. Now Malcolm credits Niall, who ordered a prostate-specific antigen test (PSA), with saving his life. Malcolm also coaches Weranja Ranasinghe, a urologist with the Urological Society of Australia and New Zealand (USANZ), who has been his ‘unofficial second opinion’ throughout the journey. Associate Professor Ranasinghe says Malcolm’s diagnosis comes as the newly-released Lancet Commission on Prostate Cancer predicts cases worldwide will double from 1.4 million to 2.9 million by 2040. The USANZ says although the findings are alarming, Australia is well-placed to manage the spike thanks to availability of advanced diagnostic tools, improvements in treatments and quality control registries, but it needs to be coupled with more awareness. “Australia is better placed than many other nations to deal with a sharp spike in prostate cancer cases, but the urgent review of guidelines can’t come soon enough,” says Associate Professor Ranasinghe. “Prostate cancer is not commonly understood or spoken about, particularly amongst high-risk younger men, leaving too many in the dark about their cancer risk and that can be deadly,” he added. “Prostate cancer is already a major cause of death and disability, and the most common form of male cancer in more than 100 countries,” says Associate Professor Ranasinghe. “It’s the most commonly diagnosed cancer in Australia with over 25,000 new cases every year, and more than 11 deaths a day.” Malcolm was devastated to learn his cancer was aggressive Stage Four and had spread to three spots in the pelvic bone. He also experienced other symptoms including frequent and weak-flow urinating at night. He will begin radiotherapy, with chemotherapy on the cards as well. But his attitude is positive; he’s hoping to live for another six to 10 years. Malcolm’s message for other men is simple: if you’re 50 or older, get tested for prostate cancer now. He warns waiting can lead to complex and limited treatment options. Five Risk Factors For Prostate Cancer 1. Age - the chance of developing prostate cancer increases with age. 2. Family history - if you have a first-degree male relative who developed prostate cancer, like a brother or father, your risk is higher than someone without such family history. 3. Genetics - while prostate cancer can’t be inherited, a man can inherit certain genes that increase the risk. 4. Diet - some evidence suggests that a diet high in processed meat, or foods high in fat can increase the risk of developing prostate cancer. 5. Lifestyle - environment and lifestyle can also impact your risk, e.g. a sedentary lifestyle or being exposed to chemicals. For more information, visit <a href="https://www.usanz.org.au/" target="_blank" rel="noopener">https://www.usanz.org.au/</a>

Caring

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