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How to get started investing later in life

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

Retirement Income

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Brave boxer dies at 25 just two weeks after getting married

<p>The boxing world is in mourning following the heartbreaking news that Georgia O’Connor, a rising star and beloved figure in British sport, has passed away at just 25 after a courageous battle with a rare and aggressive form of cancer.</p> <p>O’Connor, who once stood atop the podium with Commonwealth Youth gold in 2017 and later turned professional with a flawless 3-0 record, revealed her cancer diagnosis earlier this year. She had also been living with ulcerative colitis, a chronic inflammatory bowel disease, showing extraordinary strength both in and out of the ring.</p> <p>Despite being surrounded by support from fans and fellow fighters alike, the Durham-born athlete died earlier this week, leaving the sporting community reeling with grief.</p> <p>In her final post on Instagram, made just two weeks before her passing, Georgia shared a radiant photo of her wedding ring, announcing that she had married her partner Adriano. “The day I married the love of my life,” she wrote.</p> <p>In February, she penned a heartfelt tribute to her husband, calling him her “superhero” and “real-life prince”. Her words captured the depth of their bond during her illness: “From the moment I was diagnosed with cancer, Adriano didn’t hesitate. He quit his job without a second thought and made it his mission to fight this battle alongside me… I have never known love like this.”</p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-captioned="" data-instgrm-permalink="https://www.instagram.com/p/DJjF1RCMnlo/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/p/DJjF1RCMnlo/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by Georgia Cardinali (@georgiaoconnor_1)</a></p> </div> </blockquote> <p>Tributes have since poured in from across the sporting world. Boxing promoter BOXXER, who represented O’Connor, said: “We are heartbroken by the passing of Georgia O’Connor. A true warrior inside and outside the ring, the boxing community has lost a talented, courageous and determined young woman far too soon.”</p> <p>Ben Shalom, BOXXER’s founder, added: “It’s hard to make sense of this. Georgia was an inspirational person and one I’ll never forget. My heart goes out to her parents and partner.”</p> <p>Frank Warren’s Queensberry Promotions shared their condolences, writing: “Everyone at Queensberry Promotions are deeply saddened… Rest in peace, Georgia.”</p> <p>England Boxing also paid tribute, highlighting her decorated amateur career: “A gifted boxer and beloved member of the amateur boxing community, she won medals at the Commonwealth Youth Games, Youth Worlds & European Championships.”</p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-captioned="" data-instgrm-permalink="https://www.instagram.com/p/DFfnk84IZb5/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/p/DFfnk84IZb5/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by Georgia Cardinali (@georgiaoconnor_1)</a></p> </div> </blockquote> <p>O’Connor's talents were not confined to the ring. A three-time national taekwondo champion and undefeated kickboxer, she was also musically gifted, sharing videos of herself singing and playing guitar with fans online. YouTuber-turned-boxer Jake Paul responded simply but powerfully: “F*** cancer. RIP Georgia.”</p> <p>Fellow boxer Joe Laws posted a photo with her, captioning it: “Fighter till the end. Rest easy bro.”</p> <p>Georgia O’Connor's life was short, but her impact was profound. In every arena she entered – whether in gloves or with a guitar – she brought strength, grace and authenticity.  She is survived by her husband Adriano, her family and countless fans who will never forget her spirit.</p> <p><em>Images: Instagram</em></p>

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"Two of our finest men lost to the sport we love": Tragedy strikes at BSB

<p>A devastating multi-bike crash during the opening lap of the British Supersport Championship race at Oulton Park has claimed the lives of two riders and left several others injured, casting a dark shadow over the start of the 2025 racing season.</p> <p>The incident, described as a "catastrophic" chain-reaction crash involving 11 motorcycles, occurred at the exit of the first turn during Monday’s season-opening feature race. The race, which was being broadcast live on television and served as a support event for the top-tier Superbike Championship, was immediately red-flagged and later abandoned.</p> <p>British rider Owen Jenner, 21, and Shane Richardson, a 29-year-old father of two from New Zealand, were both tragically killed in the collision. Organisers confirmed Jenner succumbed to a catastrophic head injury despite emergency treatment at the track and further resuscitation at the circuit medical centre. Richardson was initially stabilised at the scene but passed away en route to Royal Stoke University Hospital from severe chest trauma.</p> <p>The crash also left veteran racer Tom Tunstall, 47, hospitalised with serious back and abdominal injuries. He remains under medical care.</p> <p>Several other riders suffered injuries in the incident, with Carl Harris, Max Morgan, Cameron Hall, Freddie Barnes, and Morgan McLaren-Wood sustaining minor harm. Lewis Jones, Corey Tinker and George Edwards escaped without injury.</p> <p>In an official statement, the Motorcycle Circuit Racing Control Board (MCRCB) and MotorSport Vision Racing (MSVR) confirmed that an investigation into the full circumstances of the accident is underway in collaboration with the Coroner and Cheshire Constabulary.</p> <p>Richardson, who proudly raced with the New Zealand flag on his No. 28 Suzuki and finished ninth in last year’s championship, had just placed 11th in Sunday’s opening race. His passing marks another tragic blow to New Zealand motorsport, following the death of fellow Kiwi Damon Rees two years ago.</p> <p>Australian reigning Supersport champion Ben Currie, who narrowly avoided the crash, expressed his heartbreak: “Hard to put into words what happened today. Gutted for everyone involved. Two of our finest men lost to the sport we love. Thoughts are with all that are involved. RIP boys.”</p> <p>Fellow rider Freddie Barnes, writing from hospital, echoed the grief of the paddock: “My condolences go out to Owen and Shane’s family and friends. I’m absolutely devastated… ride on in paradise boys.”</p> <p>The emotional toll of the incident was evident as tributes poured in across the motorsport community.</p> <p>Racer TJ Toms wrote: “Two lads I feel absolutely privileged to call mates… My heart, love and thoughts go out to OJ’s family and to Hanna and Shane’s little family. Thank you for all our memories boys.”</p> <p>Joe Sheldon-Shaw added: “Had some great races with both these lads, and a lot of laughs off the track with OJ. Heartbreaking day today… The paddock won’t be the same without them.”</p> <p>Despite the tragedy, the Supersport Championship is set to resume in two weeks at Donington Park. As the racing world mourns, it does so with heavy hearts, united in grief and remembrance of two riders lost far too soon.</p> <p><em>Images: Facebook</em></p>

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Missing mum of two found after 60 years

<p>In a stunning breakthrough to one of America's longest-running cold cases, a woman who disappeared more than 60 years ago has been found alive and well – living in another state and expressing “no regrets” for leaving her past behind.</p> <p>Audrey Backeberg was just 20 years old when she vanished on July 7, 1962, from her home in Reedsburg, Wisconsin, where she lived with her husband, Ronald Backeberg, and their two young children. Her sudden disappearance launched a decades-long search that ultimately went cold – until now.</p> <p>In a press release issued Thursday, the Sauk County Sheriff’s Office confirmed that Ms Backeberg had been located alive following a renewed investigation into her case earlier this year.</p> <p>“Through diligent investigative work, which included a thorough re-evaluation of all case files and evidence, combined with reinterviewing witnesses and uncovering new insights, the Sheriff’s Office is now able to report that Audrey Backeberg is alive and well,” the department announced.</p> <p>The cold case was reassigned in March to Detective Isaac Hanson, who led the breakthrough investigation. His review included interviews with old witnesses, analysis of historical evidence, and a key lead involving a relative’s Ancestry.com profile.</p> <p>“That was pretty key,” Hanson told WISN, describing how the online genealogy database helped him trace public records that eventually led to a current address. Once the address was identified, Hanson contacted the local sheriff’s department in the area. “Ten minutes later, she called me,” he said.</p> <p>In a 45-minute phone conversation with Detective Hanson, Ms Backeberg confirmed her identity and shared that she left her family to escape what she described as an abusive and dangerous home environment.</p> <p>“She sounded happy. Confident in her decision. No regrets,” Hanson said.</p> <p>Just days before her disappearance in 1962, Ms Backeberg had filed a criminal complaint alleging that her husband had beaten her severely and threatened her life. Despite this, the couple remained in the home together, with their children.</p> <p>On the day she vanished, Audrey reportedly left to collect a paycheck from her job at a woollen mill – but never returned. Rumours and conflicting accounts emerged over the years, including claims from a 14-year-old babysitter who said she saw Ms Backeberg hitchhike to Madison and take a bus to Indiana. Later, the same individual, when re-interviewed as an adult, claimed Audrey may have ingested pills before departing and might have connected with local construction workers.</p> <p>For decades, her family believed Audrey would never willingly abandon her children. Her husband reportedly spent years chasing leads, but no trace of her was ever found – until now.</p> <p>While authorities have not disclosed the state where Ms Backeberg currently resides, Detective Hanson said she had been living safely and independently all these years.</p> <p>“She just moved on from things and led her life,” he said.</p> <p>Authorities have closed the case with the confirmation that Audrey Backeberg left of her own volition and was not in danger at any point during the six decades she was missing.</p> <p><em>Images: Wisconsin Police</em></p>

Family & Pets

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Grandmother arrested after two boys found dead

<p>A regional New South Wales community is in mourning after the bodies of two young boys, aged six and seven, were discovered in a home in Coonabarabran on Monday afternoon.</p> <p>Police were called to the property at around 2:00pm following reports of welfare concerns. Upon arrival, officers from the Orana Mid-Western Police District found the children deceased inside the home.</p> <p>A 66-year-old woman, who is known to the children, was arrested at the scene and taken to hospital for assessment. She remains there under police guard.</p> <p>Authorities have confirmed they are not seeking anyone else in connection with the incident and say there is no ongoing threat to the public.</p> <p>A crime scene has been established at the residence, and an investigation is underway. Detectives from the State Crime Command’s Homicide Squad are assisting local police as part of Strike Force Darnum, which has been formed to probe the circumstances surrounding the deaths.</p> <p>Earlier police reports indicated the children were aged eight and 10, but they later confirmed the correct ages as six and seven.</p> <p>The deaths have sent shockwaves through the Coonabarabran community and beyond. NSW Premier Chris Minns expressed his condolences, describing the situation as "heartbreaking".</p> <p>“What has occurred is terrible and, as a state, we share in the community of Coonabarabran’s grief at the loss of two young boys who had their entire futures ahead of them,” Minns said in a statement.</p> <p>“I cannot begin to imagine the heartbreak their loved ones are currently feeling, including their family, friends, and teachers. I thank the local officers who attended the scene for their professionalism and bravery in the face of such a horrible event.”</p> <p>The investigation continues, with police urging the public to allow space for the family and the community to grieve.</p> <p><em>Images: 9News</em></p>

Legal

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Major breakthrough over mother of three missing for two months

<p>Authorities have located a ute believed to belong to Tayla Spies, a Queensland mother of three who vanished more than two months ago.</p> <p>Spies, 29, was last seen on CCTV footage at a service station in Condamine on Sunday, February 2. She had spent the weekend with her partner in Dalby but failed to return home to Roma. Since her disappearance, she has not contacted any family or friends, heightening concerns for her safety.</p> <p>Police confirmed on Frida morning that they discovered Spies’ white Toyota Hilux in Noorindoo, approximately 40km north-east of Surat. Officers were alerted to the vehicle’s presence on a property along Yuleba-Sarat Road at about 3pm. A search of the vehicle revealed some of Spies’ belongings inside, though authorities have not disclosed specific details about the items found.</p> <p>Before its recovery, the ute was last seen on CCTV traveling down Surat’s main street at 11:10am on the day she went missing. This sighting remains a crucial piece of evidence in the ongoing investigation. Authorities have since resumed extensive searches in the area in hopes of finding further clues about her whereabouts.</p> <p>Spies is described as Caucasian, approximately 170cm tall, with a slim build, brown shoulder-length hair, and blue eyes. She has the word "KARMA" tattooed across her chest. Her family and friends continue to plead for any information that might help locate her.</p> <p>Police and local search teams have been scouring the surrounding area, using drones, tracking dogs, and ground search crews to cover as much terrain as possible. Despite these efforts, there have been no confirmed sightings of Spies since she was last seen on CCTV in Condamine.</p> <p>Authorities urge anyone with information regarding her disappearance to come forward. Whether it be a small detail or a major lead, investigators are keen to speak with anyone who may have seen Spies or her vehicle. Those with information are encouraged to contact Crime Stoppers or their nearest police station immediately.</p> <p><em>Images: Queensland Police</em></p>

Legal

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Grandparents arrested two years after toddler's disappearance

<p>In a dramatic development nearly two years after the disappearance of two-year-old Émile Soleil, French prosecutors have arrested the child's grandparents on suspicion of murder.</p> <p>Émile vanished in July 2023 from the garden of his grandparents' home in Le Haut-Vernet, a small hamlet in the French Alps. His remains were discovered nine months later by a hiker near the village.</p> <p>According to a statement from the Aix-en-Provence public prosecutor, Émile's grandfather, Philippe Vedovini, and his wife, whose name was not disclosed, were taken into custody in La Bouilladisse. They face charges of "voluntary homicide" and "concealing a corpse". Two of their adult children have also been detained as part of the investigation.</p> <p>The disappearance of Émile captivated the nation, as extensive searches and rescue operations yielded no trace of the toddler. His parents, who were not present at the time, had publicly expressed hope for a miracle even months after he went missing. The case drew significant media attention, particularly focusing on Émile's grandfather. Reports from CNN affiliate BFMTV revealed that Vedovini had been questioned by police in the 1990s over allegations of violence and sexual assault at a private school, though investigators had previously not established a direct link between him and Émile's death.</p> <p>Earlier this month, forensic teams returned to Le Vernet, conducting thorough searches in multiple locations. The prosecutor confirmed that investigative operations remain active, with further developments anticipated as authorities continue their probe into the tragic case.</p> <p>As the investigation unfolds, the arrests mark a major breakthrough in one of France's most unsettling child disappearance cases, shedding new light on what may have led to Émile's untimely death.</p> <p><em>Images: Gendarmerie Nationale</em></p>

Caring

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Grieving parents blame hospital over two-year-old's death

<p>Two grieving parents are calling for an independent investigation into a Sydney hospital after the death of their two-year-old son. </p> <p>Elouise and Danny Massa took their son Joe to the emergency department at Northern Beaches Hospital on the morning of September 14th after he had spent the night vomiting.</p> <p>The toddler had hypovolemia, a condition that occurs when the body loses too much fluid, and later tragically died.</p> <p>Joe's parents claim the hospital failed their son "at every level" and he would still be alive if he had received the proper care. </p> <p>In a statement provided to <a href="https://www.9news.com.au/national/grieving-parents-demand-urgent-investigation-into-sydney-hospital-after-death-of-twoyearold-son/a0de6011-adf3-49d2-8206-73ed21331c30" target="_blank" rel="noopener"><em>9News</em></a>, the parents said Joe's heart rate was at 183 beats per minute when they arrived at the emergency department, yet he was misclassified as a low priority, category three patient, instead of red zone, category two.</p> <p>The parents went on to allege that the Northern Beaches hospital missed critical warning signs, including when Joe lost consciousness, and his mother's requests for an IV drip were denied.</p> <p>"I can't tell you what it's like to hold your son in your arms … to be told to sit in your chair while your child is agitated, going in and out of consciousness, lips are turning blue," Mrs Massa told 2GB on Thursday morning.</p> <p>"To be told to wait and have your baby literally dying in your arms is unfathomable and should not be happening at any hospital."</p> <p>For almost three hours, Joe was not hooked up to monitoring equipment while sitting in an emergency department chair. </p> <p>A serious adverse event review conducted by the hospital after Joe's death identified multiple failures, with the report claiming there was a "delay and failure to recognise deterioration" in Joe's condition.</p> <p>Healthscope, which operates the hospital, said in a statement: "Northern Beaches Hospital offers its deepest condolences to the Massa family for the loss of their son, Joe. We recognise Joe's death has caused unimaginable heartache and grief for the family."</p> <p>"We have met with the family to apologise and hear directly about their tragic experience and to discuss the findings of the Serious Adverse Event Review."</p> <p>"We will continue to support the family in any way that we can as we implement the improvements identified in the review, including improvements around triaging processes and internal escalation processes." </p> <div>Joe's mother said no parents should have to go through the pain their family has endured since Joe's untimely death.</p> <p>"Joe was the most beautiful boy, loved by his sister and brother," she said.</p> <p>"He loved dinosaurs. He had the most infectious smile. He was just two months off turning two years old. He was, and is still, the light of our world. The system at Northern Beaches Hospital, the emergency department, entirely failed us at every possible level."</p> <p><em>Image credits: 9News</em></p> </div>

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Gogglebox star set to return for 21st season

<p><em>Gogglebox Australi</em>a is set to return for its 21st season this week, and while the beloved Silbery family are no longer a part of the cast, a familiar face is set to return for the new season. </p> <p>While fans will surely miss seeing the multi-generational family on their screens, Sarah Marie Fahd will once again return to Aussie screens after being on maternity leave for the past two years. </p> <p>“I’m so excited to be back,” she told <em>Yahoo Lifestyle</em>. </p> <p>Sarah joined the show in 2017 with her husband Matty and their best friend Jad Nehmetallah. </p> <p>“Being able to join my boys again makes me feel so happy because the last few seasons I've been on the sidelines and Matt would be like, ‘Remember, you're not on the show right now!’. There are so many things I wish I could have said!” she added.</p> <p>Sarah explained that she took a break from the show because her second child, Lyon, required more attention than her firstborn Malik. </p> <p>“There’s no way I would have been able to even sit and watch TV with Lyon. There were days where he would cry unless I carried him and I would just have him strapped to my chest, so I was like, it's not gonna work with this one,”  she told the publication. </p> <p>“But he's at a different age now and he's such a character.</p> <p>“Also just mentally, I'm in a much better place. I think mental health is really, really difficult when you've got little ones and hormones and stuff to juggle, so that was also a really big factor and I just mentally couldn't do all of that.</p> <p>"Whereas right now, I’m myself again. I feel like it just ticked over to 2025 and something in me was like, I’m good now. I’m finally in a better place.”</p> <p>The upcoming season will see both Malik and Lyon sitting on the couch alongside their parents, a decision that was made after careful consideration. </p> <p>"It’s just a lovely show to be on, so I was able to trust [producers] with having Malik on the show. Otherwise, I wouldn't have him on there for sure,” Sarah said. </p> <p><em>Images: Instagram</em></p>

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I'm A Celeb season premiere divides audiences

<p>The cast of the new season of <em>I'm A Celebrity... Get Me Out of Here</em> has been revealed as the 11 famous contestants entered the jungle on Sunday night. </p> <p>An Olympian, a stand-up comedian, reality TV royalty and a 90s TV star are among this year’s celebs, as the first episode of the 11th season provided many awkward moments of the celebrities not recognising their fellow contestants. </p> <p>Entering the jungle this year and vying for their chance to win money for charity are Olympic swimmer Shayna Jack, <em>Love Island</em> star Tina Provis, former AFL player Zack Tuohy, comedian Geraldine Hickey, Aussie TV presenter Nicky Buckley, former <em>MAFS</em> star Samantha Moitzi, UK social media personality Max Balegde, comedian and presenter Dave 'Hughesy' Hughes, two-time <em>Big Brother</em> winner Reggie Sorensen, NRL favourite Sam Thaida, and former <em>Bachelor</em> star Matty J.</p> <p>As the highly-anticipated new season aired on Sunday, many viewers took to social media to express their disappointment over the cast, as the show was quickly panned by viewers as "unfunny" while the cast of celebrities were labelled as "nobodies". </p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-permalink="https://www.instagram.com/p/DFAL9h-PkRe/?utm_source=ig_embed&amp;utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/p/DFAL9h-PkRe/?utm_source=ig_embed&amp;utm_campaign=loading" target="_blank" rel="noopener">A post shared by #ImACelebrityAU (@imacelebrityau)</a></p> </div> </blockquote> <p>While hosts Julia Morris and Robert Irwin quipped and laughed with the new batch of contestants, loyal fans turned on the show and took to X to share their thoughts on the premiere. </p> <p>"The lowest common denominator with desperate has-beens. Can’t they invest in Aussie actors, directors and writers instead?" wrote one person. </p> <p>"Biggest load of rubbish ever," said another, while one more posted, "Some of Julia’s jokes are older than me. And not as funny."</p> <p>"Look at them looking at each other trying to figure out who each other is. Absolutely no idea," said another viewer. </p> <p>"Yeah this show peaked last year and the fall from grace is extreme. No more #ImACelebrityAU for me," another wrote. </p> <p><em>Image credits: Ten </em></p>

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Two Aussies cop $35,000 fine for "illegal" enterprise

<p>A pair of Aussies have copped a $35,000 fine for illegally collecting masses of firewood for a black market enterprise. </p> <p>The duo were caught during a targeted patrol inside a national park in Victoria, where fallen timber is supposed to be left as wildlife habitat. </p> <p>They fled after they were approached by officers, according to Parks Victoria, but had left behind evidence of their illegal enterprise. </p> <p>Officers found records that identified the 44-year-old man and 31-year-old woman in their abandoned Commodore, as well as their sales record and social media accounts promoting their black market business. </p> <p>The pair were convicted of six charges at the Shepparton Magistrates’ Court on November 22, with the man fined $20,000 and the woman $15,000 for cutting, removing and selling firewood in the Lower Goulburn National Park in May, 2023.</p> <p>The couple faced additional charges for damaging wildlife habitat. </p> <p>On Wednesday, Parks Victoria issued a warning to the public to not fall for firewood scams and illegal wood sellers after almost 10,000 trees had been illegally felled across 462 hectares of public land last year.</p> <p>"The illegal cut and take of firewood from national parks and protected public land is theft," Andrew Dean, a Parks Victoria Senior Enforcement Officer, said in a statement. </p> <p>"Theft damages and destroys wildlife habitat and robs Victorians of the natural places they love to visit. Magistrate Zebrowski's verdict sends a strong and clear message: firewood theft will not be tolerated, and offenders will be held accountable for their actions.</p> <p>"We encourage consumers to use common sense when purchasing firewood. Any time a deal is too good to be true, it probably is."</p> <p>Fallen logs are important and a key habitat for Australian wildlife including the  marbled gecko, brown treecreeper and Peron’s tree frog. </p> <p><em>Images:  Parks Victoria</em></p>

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Why the holiday season can be triggering - and what to do to protect yourself

<p>The Christmas rush is on, with people buzzing around purchasing gifts, seeing family and friends, and planning a joy-filled annual catch up. </p> <p>But for many, this time of year can be difficult. Holiday traditions tend to revolve around family and sometimes those relationships can bring their own challenges. It may be tempting to want to hit the fast forward button and skip through Christmas altogether.</p> <p>The festive season can be isolating for some people, but if you are also navigating emotions like grief it can feel overwhelming and be a harsh reminder of what has been lost, whether in recent times or even years ago. </p> <p>There’s an expectation from society that Christmas should be about having fun and being happy, yet if you’re grieving you may be feeling the weight of heavy emotions. It’s also hard for friends and family who want to help, but who may feel awkward and be unsure of what to say. </p> <p>Planning ahead can help make this holiday season feel more bearable. Start by setting specific boundaries on what you are prepared to do (or not do) this holiday season. What you will attend or not attend, and what feels right for you, right now.</p> <p>Acknowledge your grief and make space for it. All emotions and feelings are valid at this time of the year. Practice gentle self-compassion and don’t be tempted to over-commit to activities and events. Instead, take pressure off by setting realistic expectations that allow you the time and space to ride the waves of emotion as they appear.</p> <p>It’s also okay to re-evaluate your holiday traditions. Maybe consider adapting existing traditions and adding new and comforting rituals that are meaningful at this time. This doesn’t have to represent permanent change, adapting this year’s plans for this year’s emotions makes perfect sense. </p> <p>If it feels right, take time to commemorate. Fondly remember loved ones through activities such as lighting a special candle, playing their favourite song, creating a memorial ornament, cooking a much-loved family recipe or creating a memory box of photos and stories. </p> <p>Most importantly, remember that you are not alone. Reach out for assistance whenever you need it by connecting regularly with trusted friends and family, and consider getting some professional grief support as you navigate the holidays.</p> <p>As the rest of us rush toward the end of the year, let’s pause for a moment to think of others who may have an empty seat at the Christmas table. If you know someone who might be grieving these holidays, reach out regularly and check in. A call or even a text message can help people feel more seen and can make all the difference as they navigate this holiday season.</p> <p><em><strong>This article was written by Bare Counsellor Carolyn Ganzevoort, who is an experienced bereavement professional.</strong></em></p> <p><em><strong>Image credits: Shutterstock </strong></em></p>

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"Two strikes and you're out": Crackdown on dodgy taxi drivers

<p>The NSW government is introducing tougher penalties for taxi drivers caught ripping off passengers, as they crackdown on dodgy practices. </p> <p>Taxi drivers caught committing two fare-related offences will be disqualified from driving a taxi, rideshare or any other type of transport from December 6. </p> <p>The offences include not using their meter, overcharging, refusing a passenger travelling a short distance, demanding a fare not displayed on the meter, adding a surcharge and charging a maxi-taxi surcharge for less than five passengers. </p> <p>Transport Minister Jo Haylen emphasised that the "two strikes and you're out" system would be used to crack down on a “minority of rogue drivers” in the industry, ahead of the holiday season. </p> <p>"We're sending a strong message to the minority of rogue drivers that if they continue overcharging, not using the meter or refusing fares they now risk being kicked out of the industry," Haylen said.</p> <p>"From 6 December, drivers convicted twice for fare-related offences will not only be disqualified from the taxi industry but also rideshare companies like Uber and DiDi.</p> <p>"With these better regulations in place, passengers can have a safe and fair ride, while supporting the taxi industry.</p> <p>“This is a really busy time for the taxi and rideshare industries. Christmas parties are starting to kick off, people will be starting to come home through the airport, and then there are people rushing around for those last-minute gifts,” she added. </p> <p>"The majority of our state's 15,000 taxi drivers are doing the right thing, but these new measures will ensure that those who aren't, are out."</p> <p>The laws will also apply to Taxi drivers with existing breaches on record, who will now be at risk of being banned from the industry by the Point to Point Transport Commissioner Anthony Wing.</p> <p>More than 900 fines have been issued to taxi drivers by commissioner inspectors in the last two years. </p> <p>"Let me reinforce, most drivers are consistently doing the right thing, but we want all passengers to know that there will be harsh consequences for drivers who continue to break the rules - they now face being kicked out of the industry," Wing said.</p> <p>"We take all fare-related offences seriously which is why my Inspectors are frequently out conducting plain clothes operations along with highly visible compliance activities."</p> <p>He added that "small time first offenders" would not necessarily be prosecuted but issued a fine instead of a strike. </p> <p><em>Image: Shutterstock</em></p>

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

<div> <p>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.&amp;data=05%7C02%7Cdardisa%40we-worldwide.com%7C3306a1dfb9de4e30dd3b08dcfecff5e5%7C3ed60ab455674971a5341a5f0f7cc7f5%7C0%7C0%7C638665416381860501%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C0%7C%7C%7C&amp;sdata=3ePPI8b1SEXOATgcY6vYWJRi8gBzZHv0jM1dgqkIoUI%3D&amp;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.&amp;data=05%7C02%7Cdardisa%40we-worldwide.com%7C3306a1dfb9de4e30dd3b08dcfecff5e5%7C3ed60ab455674971a5341a5f0f7cc7f5%7C0%7C0%7C638665416381860501%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C0%7C%7C%7C&amp;sdata=3ePPI8b1SEXOATgcY6vYWJRi8gBzZHv0jM1dgqkIoUI%3D&amp;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. </p> </div> <div> <p>Toby Perkins, a Certified Financial Planner® at industry superfund NGS Super, shares his helpful tips to ensure retirees manage their budgets during the holidays.</p> </div> <p><strong>1. Avoid personal debt</strong></p> <div> <p>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. </p> </div> <p><strong>2. Plan ahead: Budget for the entire year</strong></p> <div> <p>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.</p> </div> <p><strong>3. Review government entitlements</strong></p> <div> <p>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></p> </div> <p><strong>4. Stay vigilant about financial security</strong></p> <div> <p>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.</p> </div> <p><strong>5. Prepare for post-holiday financial health</strong></p> <div> <p>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.</p> </div> <p><strong>6. Travel smart: Plan off-peak</strong></p> <div> <p>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.</p> </div> <div> <p>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."</p> </div> <div> <p><em><strong>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>.</strong></em></p> </div> <div> <p><em><strong>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>.</strong></em></p> </div> <div> <p><em><strong>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 </strong><strong>before deciding whether a financial product is right for you.</strong></em></p> <p><em><strong>Image credits: Shutterstock  </strong></em></p> </div> <div> <p> </p> </div>

Travel Tips

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"Absolute disappointment": Home and Away fans slam season finale

<p>Fans of <em>Home and Away</em> have been left outraged after the finale of the 2024 season, with many claiming it was "boring and predictable".</p> <p>Viewers of the long-running Aussie soap were disappointed by the feature-length episode that  promised "bloodshed" and "deadly consequences" and while it ended with two lives hanging in the balance.</p> <p>The show is set to return on January 13th and pick up where it left off, leading to the resolution that will see fans waiting almost two months for answers.</p> <p>After Thursday night's finale, hundreds of fans flocked to social media to share their annoyance over all the drama being crammed into the last 10 minutes of the episode, despite its 90-minute runtime. </p> <p>"Found the last episode so boring and predictable," one fan said. "How many more coppers are going to end up in jail?"</p> <p>"I have to say, that was ridiculously s**t for a season finale," another complained. "The best bit was the last 15 seconds."</p> <p>"That was the worst ending," someone else said, with another agreeing. "What an absolute disappointment for this year's final episode. Love Home and Away, but this was by far the worst final episode of the season ever."</p> <p>"I was so disappointed with the ending," another fan said. "I expected it to be more drama/suspense but it was quite boring in my opinion. Now an almost 2 month wait for the show to return."</p> <p>While many were disappointed, others were excited to see how the dramatic storyline is set to be resolved in the new year. </p> <p>"I'm so excited for the new season," one fan said. "What am l going to do without this lol it’s pretty sad when you so look forward to it at 7pm," another lamented. "I can't believe I've got to wait till next year, it's already killing me," someone else agreed.</p> <p><em>Image credits: Home and Away </em></p> <p> </p>

TV

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Two Aussie teens poisoned in Laos identified

<p>Two Australian teenagers who are fighting for their lives in a hospital in Thailand have been identified. </p> <p>While travelling around south-east Asia on a gap year, Melbourne teens Holly Bowles and Bianca Jones, both aged 19, consumed what is believed to be methanol-laced drinks in Laos.</p> <p>The young women were found barely alive in their hotel room and were rushed to a hospital in the neighbouring country of Thailand, where they remain on life support. </p> <p>Authorities suspect the girls drank poisoned cocktails which reportedly had shots of "vodka" while holidaying in the party town of Vang Vieng, a popular tourist area about 130km north of Laos capital, Vientiane.</p> <p>They were among a large group of international travellers who fell victim to what is feared to be a mass poisoning which has already killed two other people. </p> <p>Ms Jones’ family has expressed disbelief in what has happened to their daughter, describing her as their "angel" as they rushed to be at her bedside. </p> <p>"Our beautiful Bianca was on a dream getaway with her best friend Holly," they told the <em><a href="https://www.heraldsun.com.au/news/victoria/two-melbourne-girls-on-life-support-in-bangkok-after-ethanol-poisoning-in-laos/news-story/6194b29655744b3f1bceeab2980c8e83" target="_blank" rel="nofollow noreferrer noopener">Herald Sun</a></em>.</p> <p>"They were filled with joy and had such incredible adventures ahead of them, travelling through Asia. We are here by Bianca’s bedside praying for her."</p> <p>"She's just an absolute star. She's a bundle of joy. To know her is to love her," the cafe manager told <em><a title="The Age" href="https://www.theage.com.au/national/victoria/fears-for-absolute-star-as-teens-fight-for-life-in-thailand-after-alcohol-poisoning-20241119-p5krpb.html" target="" rel="">The Age</a></em>.</p> <p>"We're just praying for the family. She's just a loyal, caring sweet person. We value her so much as a friend as well as a colleague."</p> <p>The Department of Foreign Affairs and Trade (DFAT) provided <em><a href="https://www.9news.com.au/national/laos-methanol-poisoning-melbourne-teens-suspected-methanol-poisoning-identified/b5721fe5-e323-4807-8790-e9d070b51194" target="_blank" rel="noopener">9News</a></em> with a statement on Wednesday, with a spokesperson saying they were "providing consular assistance" to two Australians and their families in Thailand.</p> <p>"Our thoughts are with them at this deeply distressing time," a spokesperson said.</p> <p>"Owing to our privacy obligations we are unable to provide further comment."</p> <p><em>Image credits: Facebook</em></p>

Travel Trouble

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Grandma shares blunt advice for gift-giving season

<p>A grandmother has shared valuable advice for other grandparents who are prone to going over the top for birthday and Christmas presents. </p> <p>DeeDee Moore, who runs the TikTok account @morethangrand, reignited the debate on finding the line between spoiling your grandkids with an abundance of gifts, and not going over the top. </p> <p>With Christmas right around the corner, DeeDee shared some advice for grandparents before they hit the shops.</p> <p>"Too much stuff from grandparents is at the top of the list of topics that parents struggle with," Moore explained in a viral clip.</p> <p>A recent survey from <a href="https://www.morethangrand.com" target="_blank" rel="noopener">More Than Grand</a> found 75 percent of the parents surveyed, wished grandparents respected their wishes about gifts, for a few reasons, but the most common was the sheer volume of stuff.</p> <p>"Parents often don't have the physical space to accommodate the toys indulgent grandparents buy," she continued.</p> <p>However, the issue is that one grandparent probably isn't the only one going all out on gifts. </p> <p>"Say your grandson has four other grandparents and four aunts and uncles. Each of these people get him one gift for a second birthday. That's already nine gifts plus something for mum and dad. We're up to 10," she explained. </p> <p>"But if all of those grandparents buy him three things, and two of the aunts get him a little extra something, that's 22 presents for a two-year-old who would be just as happy with a box." </p> <p>Moore also pointed out while many kids are fortunate enough to be spoilt at Christmas, there are many children who are living in hardship and don't have the same luxuries. </p> <p>Her advice is to take some of the things you would have given to your grandchildren and donate them to a charity or organisation who works with less fortunate families.</p> <p>Dozens of mothers chimed in the comment section of the video, praising DeeDee's advice and sharing their own stress about presents. </p> <p>"I used to have so much anxiety about Christmas because my in-laws used to buy more than Santa, us and my parents combined. It was stressful," commented one mum. </p> <p><em>Image credits: Shutterstock</em></p>

Family & Pets

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Husband of Aussie TV presenter dies two years after his wife's passing

<p>Alan Plummer, husband of TV presenter Erin Jayne Plummer who <a href="https://www.oversixty.com.au/health/caring/tv-presenter-s-cause-of-death-revealed" target="_blank" rel="noopener">died</a> in 2022, has passed away. </p> <p>The 49-year-old passed away in a suspected self-harm incident in Sydney's northern beaches on Saturday, with his death leaving the couple's three daughters orphaned. </p> <p>The tragedy comes two years after his wife, who was a host on <em>Studio 10</em>, died at just 42 years old in May 2022.</p> <p>Erin represented Australia as a synchronised swimmer at three world championships and won 11 national titles, before going on to have a successful career hosting advertorials, appearing on <em>Studio 10</em>, <em>TVSN</em>, <em>Mornings with Keri-Anne</em> and <em>The Morning Show</em>.</p> <p>At the time of Erin's death, <em>Studio 10</em> host Sarah Harris shared the devastating news with the audience. </p> <p>“For two decades, Erin has been a friendly and familiar face on Australian telly, and for a lot of that she's been brightening up our mornings with her bubbly personality and megawatt smile."</p> <p>“Erin was just a gorgeous human inside and out... We'll miss your sunshine around the studio, Erin Jayne, and all of us here are sending lots of love and strength to her family. You'll be very missed.”</p> <p>A NSW Police Force spokesperson confirmed the Alan's death in a statement to <em>Daily Mail Australia</em>, saying, “Officers from Northern Beaches Police Area Command will prepare a report for the information of the Coroner regarding the death of a 49-year-old man at Freshwater on Saturday.”</p> <p>Mr Plummer had recently sold the family’s four-bedroom Freshwater home, which they had owned for more than two decades.</p> <p>He was the former director of Shine VIP Tours Australia PTY LTD — a now-defunct company that was shut down in 2020. </p> <p><em><strong>Need to talk to someone? Don't go it alone. </strong></em></p> <p> </p> <p><em><strong>Call Lifeline on 13 11 14 or visit lifeline.org.au</strong></em></p> <p> </p> <p><em><strong>Beyond Blue: 1300 224 636</strong></em></p> <p> </p> <p><em><strong>SANE: 1800 187 263; saneforums.org</strong></em></p> <p><em>Image credits: Facebook</em></p>

Caring

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When a baby is stillborn, grandparents are hit with ‘two lots of grief’. Here’s how we can help

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/jane-lockton-811825">Jane Lockton</a>, <a href="https://theconversation.com/institutions/university-of-adelaide-1119">University of Adelaide</a>; <a href="https://theconversation.com/profiles/clemence-due-100240">Clemence Due</a>, <a href="https://theconversation.com/institutions/university-of-adelaide-1119">University of Adelaide</a>, and <a href="https://theconversation.com/profiles/melissa-oxlad-811406">Melissa Oxlad</a>, <a href="https://theconversation.com/institutions/university-of-adelaide-1119">University of Adelaide</a></em></p> <p><a href="https://www.stillbirthcre.org.au/resources/stillbirth-facts/">Six babies</a> are stillborn every day in Australia. This significant loss <a href="https://www.sciencedirect.com/science/article/pii/S1744165X12001023">affects parents</a> for years to come, often the rest of their lives. However, stillbirth also affects many others, including grandparents.</p> <p>But until now, we have not heard the experiences of grandparents whose grandchildren are stillborn. Their grief was rarely acknowledged and there are few supports tailored to them.</p> <p>Our recently published <a href="https://www.ncbi.nlm.nih.gov/pubmed/31387781">research</a> is the first in the world to specifically look at grandmothers’ experience of stillbirth and the support they need.</p> <p>In Australia, a baby <a href="https://journals.plos.org/plosone/article?id=10.1371/journal.pone.0037109">is defined as</a> stillborn when it dies in the womb from 20 weeks’ gestation, or weighs more than 400 grams. Other countries have slightly different definitions.</p> <p><a href="https://www.stillbirthcre.org.au/resources/stillbirth-facts/">About 2,200</a> babies are stillborn each year here meaning stillbirth may be more common than many people think. And people <a href="https://www.thelancet.com/journals/lancet/article/PIIS0140-6736(11)60107-4/fulltext">don’t tend to talk</a> about this openly despite it leading to significant grief.</p> <p>To explore grandparents’ experience of stillbirth, we interviewed 14 grandmothers for our initial study, and a further 23 grandmothers and grandfathers since then.</p> <p>Many grandparents were not aware stillbirth was a risk today. Most felt unprepared. Like parents, grandparents experienced grief like no other after their grandchild was stillborn.</p> <p>Rose said: "The grief is always there, it never leaves you […] I don’t know why but sometimes it is still very raw."</p> <p>Sally said: "I [would do] anything in my power to take it away, even if it meant, you know, something dreadful happening to me, I would have done it."</p> <p>Grandparents also spoke of anticipating the arrival of their grandchild, and disbelief at their loss.</p> <p>Donna said: "It was as bad as it could be and […] I thought it just couldn’t be real, it couldn’t be real."</p> <p>Where grandparents lived a long way from their child, the loss was even more profound. Distance prevented them from holding their grandchild after birth, attending memorials, or helping their own children.</p> <p>Iris said: "I still miss her now […] When she was born and they had her in the hospital they would text me and say you know she’s got hair like her daddy […] and they would describe her and how beautiful she was, and that’s all they have, you know […] that’s all I have really."</p> <p>Grandparents said they wanted to hide their grief to protect their child from pain. This often made them isolated. Their relationships with family members often changed.</p> <p>Mary said: "It’s like two lots of grief […] but I don’t want it to sound like it’s as bad as my daughter’s loss. It’s different, it’s a different grief, because you’re grieving the loss of a grandchild, and you’re also grieving for your daughter and her loss and it’s like yeah you’ve been kicked in the guts twice instead of once."</p> <h2>What grandparents wanted</h2> <p>Grandparents stressed the importance and ongoing value of being involved in “memory making” and spending time with their stillborn grandchild where possible.</p> <p>Creating mementos, such as taking photos and making footprints and hand prints, were all important ways of expressing their grief. These mementos kept the baby “alive” in the family. They were also a way to ensure their own child knew the baby was loved and remembered.</p> <p>Our research also identified better ways to support grandparents. Grandparents said that if they knew more about stillbirth, they would be more confident in knowing how to help support their children. And if people were more aware of grandparents’ grief, and acknowledged their loss, this would make it easier for them to get support themselves, and reduce feelings of isolation.</p> <p>Our research also found families can recognise that grandparents grieve too, for both their child and grandchild. Grandparents can be encouraged to seek support from other family and friends. Families could also encourage grandparents to seek support from professionals if needed.</p> <p>In hospitals, midwives can adopt some simple, time efficient strategies, with a big impact on grandparents. With parent consent, midwives could include grandparents in memory making activities.</p> <p>By acknowledging the connection grandparents have to the baby, midwives can validate the grief that they experience. In recognising the supportive role of grandparents, midwives can also provide early guidance about how best to support their child.</p> <p>Hospitals can help by including grandparents in the education provided after stillbirth. This might include guidance about support for their child, or simply providing grandparents with written resources and guiding them to appropriate supports.</p> <p>In time, development of peer support programs, where grandparents support others in similar situations, could help.</p> <p>And, as a community, we can support grandparents the same way they support their own children. We can be there, listen and learn.</p> <hr /> <p><em>All grandparents’ names in this article are pseudonyms.</em></p> <p><em>If this article raises issues for you or someone you know, contact <a href="http://www.sands.org.au">Sands</a> (stillbirth and newborn death support) on 1300 072 637. Sands also has <a href="https://www.sands.org.au/images/sands-creative/brochures/127517-For-Grandparents-Brochure.pdf">written information specifically for grandparents</a> of stillborn babies.</em><!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><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/122313/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/jane-lockton-811825">Jane Lockton</a>, PhD Candidate (Psychology, Health), <a href="https://theconversation.com/institutions/university-of-adelaide-1119">University of Adelaide</a>; <a href="https://theconversation.com/profiles/clemence-due-100240">Clemence Due</a>, Senior Lecturer in the School of Psychology, <a href="https://theconversation.com/institutions/university-of-adelaide-1119">University of Adelaide</a>, and <a href="https://theconversation.com/profiles/melissa-oxlad-811406">Melissa Oxlad</a>, Lecturer in the School of Psychology, <a href="https://theconversation.com/institutions/university-of-adelaide-1119">University of Adelaide</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/when-a-baby-is-stillborn-grandparents-are-hit-with-two-lots-of-grief-heres-how-we-can-help-122313">original article</a>.</em></p> </div>

Family & Pets

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Share the gift of healthy, luscious hair this festive season

<p dir="ltr">With the festive season approaching, there’s nothing worse than dull and lifeless hair, especially when we’re going to Christmas parties and taking photos with loved ones. </p> <p dir="ltr">So whether you’re looking for a treat for yourself, or a special gift for someone in your life, give the gift of gorgeous hair with Wella Professionals stunning Christmas range. </p> <p dir="ltr">With gift packs for every hair concern, there is something for everyone in Wella’s gifting range, whether your hair is coloured or damaged, or if you’re looking for an injection of moisture or shine.</p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-permalink="https://www.instagram.com/reel/DBznE8TuYIt/?utm_source=ig_embed&amp;utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/reel/DBznE8TuYIt/?utm_source=ig_embed&amp;utm_campaign=loading" target="_blank" rel="noopener">A post shared by Wella Professionals ANZ (@wellapro_anz)</a></p> </div> </blockquote> <p dir="ltr">Ranging from the Wella Professionals Fusion Travel Trio for just $48.95, to the Wella Professionals Ultimate Repair Repair Trio for $114.95, the gorgeous gift packs feature a mix of shampoo, conditioner, masks, and shine oils. </p> <p dir="ltr">There are 10 beautiful gift packs on offer, with these Wella Trios having everything you need to get you, or the lucky person you’re buying for, started on their journey to transform their hair.</p> <p dir="ltr"><img src="https://oversixtydev.blob.core.windows.net/media/2024/11/wella-xmas-inset.jpg" alt="" width="1280" height="720" /></p> <p dir="ltr">The complete selection of Wella Professionals gift sets available to purchase at <a href="https://www.sephora.com.au/brands/wella-professionals?srsltid=AfmBOoql21pQ7BfPilCk7yTK4JwxBXCCsVjcOXHZrejK5F6EL0lGfrHj">Sephora</a>, Myer, David Jones, <a href="https://www.adorebeauty.com.au/b/wella-professionals.html">Adore Beauty</a>, Amazon, <a href="https://www.ozhairandbeauty.com/brands/wella-professionals?top=brands&amp;gad_source=1&amp;gbraid=0AAAAADs5kjeHbLVuofBnsO5umpMUOhOdq&amp;gclid=Cj0KCQiA_qG5BhDTARIsAA0UHSK22eIZDejiKd533GEKq8iaYrKphZVZIwRj4d7J4rJ8T7XCudVZNoEaAv3xEALw_wcB">Oz Hair &amp; Beauty</a>, Look Fantastic, The Iconic and selected Wella Salons, as well as Wella’s official <a href="https://au.wella.professionalstore.com/">website</a>. </p> <p dir="ltr"><em>Image credits: Supplied / Shutterstock </em></p>

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