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Sir David Attenborough marks 99th birthday with special appeal

<p>As he nears his 99th birthday, Sir David Attenborough – the beloved voice of the natural world for generations – has delivered perhaps his most emotional and urgent message yet: time is running out, not just for him, but for the planet.</p> <p>In a new documentary titled <em>Ocean: With David Attenborough</em>, set to release in cinemas on May 8 – the very day he turns 99 – the legendary broadcaster confronts the fragility of Earth’s ecosystems with stirring honesty. It is a deeply personal reflection on a lifetime of observing the planet’s wonders and wounds.</p> <p>“Now, as I approach the end of my life,” he says, “we know the opposite is true,” referring to the misguided idea that the sea was once a wilderness to be conquered. “The key to saving the planet is not on land, but at sea.”</p> <p>These words don’t come from a man resigned to despair, but from one who has spent nearly a century in awe of the world’s resilience. And yet, Attenborough doesn’t shy away from the pain of witnessing environmental decline. “The planet is in such poor health,” he admits, “that I would find it hard not to lose hope – were it not for the ocean.”</p> <p>It is here, in the depths of Earth’s oceans, that Attenborough finds not only scientific promise but emotional solace. “If we save the sea, we save our world,” he declares with conviction. “After a lifetime of filming our planet, I’m sure nothing is more important.”</p> <p>The documentary, as sweeping as it is intimate, takes viewers across oceans in the Americas, Europe, Africa and Oceania, exploring coral reefs, mangroves, coastal communities, marine sanctuaries and more. It highlights bold efforts by scientists and communities working to reverse the damage caused by humanity’s relentless exploitation – efforts that offer not only solutions but hope.</p> <p>With characteristic reverence and poetic clarity, Attenborough traces the sea’s central role in sustaining life on Earth. The film does more than educate – it pleads for connection, for urgency, for action.</p> <p>From <em>Zoo Quest</em> in the 1950s to <em>Life on Earth</em>, <em>The Blue Planet</em>, <em>Planet Earth</em> and <em>Dynasties</em>, Sir David’s work has been a chronicle of the natural world’s magnificence and its mounting distress. But never before has his message felt so personal – or so final. It's a legacy project: not just a film, but a farewell letter from a man who has given his life to showing us the beauty of this planet.</p>

Caring

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Tennis legends immortalised with special honour

<p>Tennis legends and grand slam champions Ash Barty and Evonne Goolagong Cawley have bene immortalised as one-of-a-king Barbie dolls in honour of International Women's Day. </p> <p>The tennis duo were recognised together by Mattel's celebration of "the power of friendship".</p> <p>Barty opened up about the surreal experience, saying, "I think my first reaction was almost disbelief. Never in my wildest dreams did I ever think that I would be a Barbie myself. I think it's just such an incredible experience to be a part of."</p> <p>Barty's doll wears a replica of the outfit she wore while winning at the 2021 Wimbledon, while Goolagong Cawley's Barbie is wearing the skirt and shirt combination she wore to award Barty with her trophy.</p> <p>Goolagong Cawley confessed: "It's just absolutely amazing. I just love it; I can't believe it's happened."</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/DGxAMpxBTCB/?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/DGxAMpxBTCB/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by Ash Barty (@ashbarty)</a></p> </div> </blockquote> <p>The women became friends in 2011 after first meeting at the Junior Wimbledon, as Barty recalled of their first meeting: "There were so many similarities and just such easy conversation. Obviously there were so many things that we could relate to with each other in tennis, but also in life. It was just that connection straight away, without a doubt."</p> <p>Goolagong Cawley opened up about the early days of their friendship, and said: "We understood each other perfectly, I think. And we never talked about tennis. Ever. I was more concerned with her wellbeing ... I just want her to be happy, and she makes me happy."</p> <p>Mattel senior vice president of Barbie and global head of dolls said of the collaboration, "One of the greatest tools that a girl can have is the support and encouragement of her peers."</p> <p>"As we approach International Women's Day, Barbie is proud to honour legendary female friendship duos across different backgrounds, professions, and parts of the world."</p> <p>"We know firsthand that friendships formed at a young age can help fuel social and professional growth, setting girls up for limitless possibilities."</p> <p><em>Image credits: Instagram/ Barbie - Mattel</em></p>

Beauty & Style

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Man whose partner lost $1.6 BILLION at a rubbish tip now wants to buy the entire dump

<p>In what can only be described as the most expensive game of "Where’s Wally?" ever attempted, James Howells, 39, is continuing his decade-long battle to recover a hard drive that contains 8,000 bitcoins – now worth a staggering $1.6 billion AUD – from a landfill site in Newport on the southwest coast of Wales.</p> <p>The saga began in 2013 when Howells’ partner, in a move that will forever be known as the most expensive spring cleaning mishap of all time, accidentally tossed out the hard drive. Since then, Howells has been on a mission to reclaim his digital treasure from what is now essentially a very smelly version of Fort Knox.</p> <p>However, Newport City Council has repeatedly refused his requests to excavate the site, citing environmental concerns and, possibly, an extreme reluctance to deal with a man on a personal mission to unearth a high-tech pirate's chest. A recent legal bid to force the council’s hand was swiftly dismissed by the UK High Court, with the judge describing Howells’ plight as "akin to looking for a needle in a haystack" – though in this case, the haystack is 1.4 million tonnes of garbage, and the needle is worth more than most small countries’ GDP.</p> <p>But Howells refuses to be deterred. His latest plan? If he can’t dig through the dump, he’ll just buy it.</p> <p>Yes, the father-of-three is now looking to purchase the landfill site outright, a bold strategy that has left both financial analysts and waste management professionals scratching their heads. “I have discussed this option recently with investment partners, and it is very much on the table,” he told the BBC.</p> <p>This development adds a fascinating twist to the drama, as parts of the landfill are slated to be turned into a solar farm in the coming years. In what might be the most ironic plot twist in financial history, the very place where Howells’ fortune lies buried could soon be used to power the homes of Newport – while he continues to live in metaphorical darkness.</p> <p>“If they had just worked with me, Newport could have looked like Las Vegas or Dubai,” Howells lamented, apparently envisioning a city built on the back of Bitcoin-funded extravagance rather than well-placed street lamps and reliable waste collection.</p> <p>Despite his enthusiasm, Newport City Council remains unswayed. “Excavation is not possible under our environmental permit,” a council spokesman reiterated, likely while rolling his eyes for the hundredth time. “Mr Howells’s claim has no merit, and the council is vigorously resisting it.”</p> <p>Undeterred, Howells insists he has a team of AI experts ready to streamline the search, making the job “as easy as possible”. </p> <p>As things stand, it appears that for now, Newport’s garbage will remain just that – garbage. But if one thing is certain, it’s that Howells is not giving up anytime soon.</p> <p>Whether his future includes billions in Bitcoin riches or simply a very expensive pile of rubbish remains to be seen.</p> <p><em>Image: Supplied</em></p>

Money & Banking

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Little Prince Louis snaps special photo of Princess Kate

<p>Kate Middleton has shared a sweet photo taken by her son, Prince Louis, to mark World Cancer Day. </p> <p>The Princess of Wales is seen with her arms outstretched standing in the middle of a woodland area in Windsor, in the middle of winter, as she stands atop a fallen tree. </p> <p>The caption, written by Catherine and signed 'C', reads: "Don't forget to nurture all that which lies beyond the disease".</p> <p>A second photo, taken by the princess, shows dark foliage lit-up by the sun with the same message, and was tagged #WorldCancerDay.</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/DFndiRbNSeB/?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/DFndiRbNSeB/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by The Prince and Princess of Wales (@princeandprincessofwales)</a></p> </div> </blockquote> <p>Kate was diagnosed with cancer after abdominal surgery in January 2024 and is making a gradual return to public duties following chemotherapy treatment, which ended in September.</p> <p>In January, the princess announced she was in remission as carried out her first <a href="https://oversixty.com.au/health/caring/kate-middleton-shares-major-health-update" target="_blank" rel="noopener">solo engagement</a> of the year at the Royal Marsden Hospital in London, where she was treated for cancer.</p> <p>The Princess of Wales spend over an hour at the dedicated cancer treatment facility, engaging in emotional conversations with patients who were facing cancer battles of their own. </p> <p>Catherine later posted a photo of her interacting with a patient and discussing the outing to the hospital, while thanking staff for their support during her treatment. </p> <p>"I wanted to take the opportunity to say thank you to The Royal Marsden for looking after me so well during the past year," the post read. </p> <p>"My heartfelt thanks goes to all those who have quietly walked alongside William and me as we have navigated everything. We couldn't have asked for more. The care and advice we have received throughout my time as a patient has been exceptional."</p> <p>"It is a relief to now be in remission and I remain focused on recovery. As anyone who has experienced a cancer diagnosis will know, it takes time to adjust to a new normal."</p> <p>She concluded the post by sharing her wishes for 2025, adding, "I am however looking forward to a fulfilling year ahead. There is much to look forward to. Thank you to everyone for your continued support."</p> <p><em>Image credits: Instagram / Shutterstock</em></p> <p style="box-sizing: border-box; margin: 16px 0px 20px; padding: 0px; border: 0px; font-stretch: inherit; font-size: 18px; line-height: 28px; font-family: 'Proxima Nova', system-ui, -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Fira Sans', 'Droid Sans', 'Helvetica Neue'; font-size-adjust: inherit; font-kerning: inherit; font-variant-alternates: inherit; font-variant-ligatures: inherit; font-variant-numeric: inherit; font-variant-east-asian: inherit; font-variant-position: inherit; font-feature-settings: inherit; font-optical-sizing: inherit; font-variation-settings: inherit; vertical-align: baseline; caret-color: #333333; color: #333333;"> </p>

Family & Pets

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Today entertainment reporter signs off for special assignment

<p><em>Today</em> entertainment reporter Renee Bargh has been farewelled by her co-hosts as she prepares to give birth to her baby daughter. </p> <p>The 38-year-old journalist, who welcomed her first child Tide with partner Andrew Lange in 2023, was joined by Karl, Sarah and the entire <em>Today</em> cast on Wednesday morning to commemorate her last day on the show before becoming a mum of two. </p> <p>"I'm going to miss you guys a lot and I love that everyone keeps saying, 'how excited are you going on maternity leave? You're going to get so much rest, like, no more alarm clocks'," Renee laughed at the idea of having two children under the age of three to look after.</p> <p>With Renee ready to welcome her little girl into the world, the <em>Today</em> team gave her a fitting send off, with a bouquet of pink flowers and an adorable <em>Today</em> onesie for the newborn to wear proudly.</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/DE0wExuOBbU/?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/DE0wExuOBbU/?utm_source=ig_embed&amp;utm_campaign=loading" target="_blank" rel="noopener">A post shared by thetodayshow (@thetodayshow)</a></p> </div> </blockquote> <p>"From all of us here, it's such a special time and you're a special lady - it's wonderful to see you off and we can't wait to meet the little one," Karl beamed.</p> <p>Renee first <a href="https://oversixty.com.au/entertainment/tv/today-entertainment-reporter-announces-special-news-on-air" target="_blank" rel="noopener">announced</a> her pregnancy in August during a live cross for <em>Today</em>, just weeks after joining the panel of the show. </p> <p>Bargh debuted her growing baby bump while on hosting duties for the TV Week Logies, sharing an Instagram post of her in full glam the bump with the caption, "Baby girl's first red carpet."</p> <p><em>Image credits: Instagram</em></p>

Family & Pets

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Research suggests those who use buy-now-pay-later services end up spending more

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/ashish-kumar-1056067">Ashish Kumar</a>, <a href="https://theconversation.com/institutions/rmit-university-1063">RMIT University</a></em></p> <p>Once, borrowing money to make a purchase was a relatively tedious process, not a spur-of-the-moment thing.</p> <p>True, some stores offered lay-by plans that would let you pay for goods in instalments. But if they didn’t, and you didn’t already have a credit card, you’d have to go to a bank and apply for one.</p> <p>That would mean providing a range of supporting documents, negotiating an appropriate credit limit, and waiting for approval. It’s unlikely you’d apply for credit just for a single, small purchase.</p> <p>In recent years, though, the financial technology or “fintech” revolution in the customer credit market has changed all that, with the meteoric rise of buy-now-pay-later (BNPL) services.</p> <p>BNPL credit allows consumers to split their purchases into smaller, interest-free instalments. It is often directly integrated into online checkouts with fast approval, making it easy to purchase something instantly and spread the cost over coming months.</p> <p>There are some obvious risks. Many BNPL providers charge less visible fees, such as late payment fees and account maintenance fees. In many countries, the BNPL sector is also less regulated than traditional credit.</p> <p>But does it also change our spending habits? Our recent <a href="https://doi.org/10.1016/j.jretai.2024.09.004">research</a> uncovered a concerning insight: consumers who use BNPL services end up spending more money online than those who don’t. This effect is particularly strong among younger shoppers and those with lower incomes.</p> <h2>Our research</h2> <p>We <a href="https://doi.org/10.1016/j.jretai.2024.09.004">analysed</a> data from an online retailer in the Nordic region that offered customers three payment options for online purchases: card, pay on delivery and BNPL.</p> <p>We found that consumers who used BNPL spent an average of 6.42% more than those who didn’t.</p> <p>This increase was particularly noticeable for low-ticket items, suggesting that BNPL may encourage customers to buy more when shopping for smaller, everyday things.</p> <p>Why might this be the case? For one, BPNL spending is constrained by the size of the loans on offer. In the US, the average BNPL loan amount is <a href="https://files.consumerfinance.gov/f/documents/cfpb_consumer-use-of-buy-now-pay-later_2023-03.pdf">US$135</a> (A$217).</p> <p>It may also be related to what’s known in economics as the “<a href="https://www.theguardian.com/business/2008/dec/22/recession-cosmetics-lipstick">lipstick effect</a>”, where customers under financial strain tend to reduce spending on big-ticket items in favour of lower-priced luxuries.</p> <p>Selling such low-ticket items doesn’t always give online retailers the biggest profit margins. But it can play a crucial role in acquiring and retaining customers, and creating opportunities to upsell.</p> <p>Our research also showed that younger, lower-income customers were more likely to spend more when using BNPL services, likely because it provides them with additional “liquidity” – access to cash.</p> <h2>Why might they be spending more?</h2> <p>It’s easy to see why so many consumers like BNPL. Some even think of it as more of a way of payment than a form of credit.</p> <p>The core feature of such services - offering interest-free instalment payments for online purchases - has a significant psychological impact on customers.</p> <p>It leverages the principle that the perceived benefit of spending in the present outweighs the displeasure associated with future payments.</p> <p>This behaviour aligns with theories of “hyperbolic discounting” – our preference for smaller immediate rewards over larger later ones – and the related “<a href="https://www.behavioraleconomics.com/resources/mini-encyclopedia-of-be/present-bias/">present bias</a>” phenomenon.</p> <p>Our results also suggest customers with high category experience – that is, more familiar with the larger product categories carried by a retailer – and those more sensitive to deals and promotions are likely to spend more when online retailers provide BNPL as a payment option.</p> <h2>A growing influence on spending</h2> <p>The economic impact of BNPL is substantial in the countries that have pioneered its adoption.</p> <p>In Australia, birthplace of Afterpay, Zip, Openpay, and Latitude, it’s <a href="https://www.oxfordeconomics.com/wp-content/uploads/2022/10/AFIA_BNPL_Research_Report-1.pdf">estimated</a> that (allowing for flow-on effects) BNPL services contributed A$14.3 billion to gross domestic product (GDP) in the 2021 financial year.</p> <p>Industry research firm Juniper Research <a href="https://www.juniperresearch.com/press/pressreleasesbuy-now-pay-later-users-to-exceed-670-million-globally/">projects</a> the number of BNPL users will exceed 670 million globally by 2028, an increase of more than 100% on current levels.</p> <p>Substantial projected growth in the sector is attributed to multiple factors. These include increasing e-commerce usage, economic pressures, the flexibility of payment options and widespread adoption by merchants.</p> <h2>Buyer, beware</h2> <p>BNPL services can be a convenient way to pay for online purchases. But it’s important to use them responsibly.</p> <p>That means understanding the potential risks and benefits to make your own informed decisions. Be mindful of your spending. Don’t let the allure of easy payments let you get carried away.</p> <p>Customers should explore beyond the marketing tactics of interest-free split payments and pay close attention to terms and conditions, including any fees and penalties. They should treat BNPL like any other form of credit.</p> <p>Whether you’re a shopper considering using BNPL or a business thinking about offering it, our research highlights that it may have the power to significantly influence spending patterns – for better or worse.<!-- 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/246686/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><a href="https://theconversation.com/profiles/ashish-kumar-1056067"><em>Ashish Kumar</em></a><em>, Senior Lecturer, <a href="https://theconversation.com/institutions/rmit-university-1063">RMIT University</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/research-suggests-those-who-use-buy-now-pay-later-services-end-up-spending-more-246686">original article</a>.</em></p> </div>

Money & Banking

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Queen Mary's special Aussie Christmas tribute

<p>Queen Mary has revealed her special tribute to her Australia heritage on her family Christmas tree inside the Danish royal residence. </p> <p>The large tree is lavishly decorated with colourful baubles and upon closer inspection, several of them have an extra special connection to the King and Queen.</p> <p>One ornament that has pride of place on the tree is a glass kangaroo, representing Australia where Mary was born in 1972. </p> <p>The royal couple have been using the same ornament for years, as it was first seen on King Frederik and Queen Mary's Christmas tree in a video they shared in 2017.</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/DDuIvJ6s5hX/?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/DDuIvJ6s5hX/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by DET DANSKE KONGEHUS 🇩🇰 (@detdanskekongehus)</a></p> </div> </blockquote> <p>Another personal ornament is that of British rockstar David Bowie as his iconic Ziggy Stardust character.</p> <p>King Frederik has long been a fan of the musician and in 1987, he and his brother Prince Joachim were photographed meeting Bowie backstage at a show in Hamburg.</p> <p>King Frederik and Queen Mary's Christmas display also included an Ib Laursen Christmas Goat decoration, made from straw.</p> <p>The inclusion of the Christmas goat is popular throughout Scandinavia and is believed to date back to the ancient Viking custom of sacrificing goats at the winter solstice to ensure a good year ahead.</p> <p><em>Image credits: The Danish Royal Family - Instagram </em></p>

Family & Pets

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Black Friday sales are on again. To score a genuine bargain, it helps to go in with a plan

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/park-thaichon-175182">Park Thaichon</a>, <a href="https://theconversation.com/institutions/university-of-southern-queensland-1069">University of Southern Queensland</a> and <a href="https://theconversation.com/profiles/sara-quach-175976">Sara Quach</a>, <a href="https://theconversation.com/institutions/griffith-university-828">Griffith University</a></em></p> <p>November 29th was Black Friday, the official beginning of one of the biggest sales events of the year.</p> <p>With so many consumers still feeling the cost-of-living pinch, it’s expected to once again bring bargain hunters out in droves.</p> <p>While some sales have already started, market research company Roy Morgan <a href="https://www.roymorgan.com/findings/black-friday-sales-a-winner-this-christmas-as-cost-of-living-continues-to-bite">estimates</a> Australian shoppers will spend a record $6.7 billion over the four-day shopping window. That’s up more than 5% on last year.</p> <p>For Australians, it’s one of three big annual sales events. The others take place at the <a href="https://theconversation.com/what-you-should-know-before-you-start-chasing-bargains-at-the-eofy-sales-232568">end of each financial year (EOFY)</a> and on <a href="https://theconversation.com/how-boxing-day-evolved-from-giving-christmas-leftovers-to-servants-to-a-retail-frenzy-219507">Boxing Day</a>.</p> <p>Despite being a recent entrant to Australia, Black Friday has quickly become one of the most important shopping days of the year.</p> <p>For consumers, navigating these sales and dodging the marketing tricks played by retailers is no mean feat. Here’s what you should know.</p> <h2>What exactly is Black Friday?</h2> <p>Black Friday as a major sales event originated in the United States. It falls on the day after Thanksgiving, which is celebrated on the fourth Thursday of November each year.</p> <p>A four day sales window then typically runs over the weekend after Thanksgiving, including “Cyber Monday” – a similar event that was set up more recently to encourage online shopping.</p> <p>But as you might have noticed, this official start date doesn’t prevent retailers from discounting products earlier, something many do.</p> <p>Australians don’t officially celebrate Thanksgiving. Nonetheless, the sales event has gained significant traction here over the past decade or so.</p> <p>This was initially driven by big US companies operating here, such as Apple and Amazon. But it was soon adopted and ultimately embraced by Australia’s own big retailers.</p> <p>Some Australian retailers now say Black Friday has already <a href="https://www.smh.com.au/business/consumer-affairs/bigger-than-boxing-day-the-rise-and-rise-of-black-friday-sales-20231117-p5ekwo.html">overtaken Boxing Day</a> to become their most important sales event, a standing it could well cement further this year.</p> <p>It’s been a <a href="https://www.forbes.com/sites/jonbird1/2023/11/20/le-black-friday-how-an-american-tradition-spread-round-the-world/">similar story</a> across much of the world. Countries including Canada, Brazil, France and the UK all now mark the occasion with their own big sales events.</p> <h2>How do big sales work?</h2> <p>Black Friday and other big sales events are designed to create a sense of urgency. They lean heavily into the phenomenon known as <a href="https://onlinelibrary.wiley.com/doi/abs/10.1002/cb.1885">fear of missing out</a> – called FOMO for short.</p> <p>Retailers know that shoppers feel the pressure to buy when they think they might miss out. This is called <a href="https://www.emerald.com/insight/content/doi/10.1108/jfmm-03-2023-0082/full/html">scarcity marketing</a>.</p> <p>Retailers have ways of creating artificial scarcity, which can pressure us to make purchase decisions that aren’t in our best interests.</p> <p>You’ve probably seen phrases in stores and online such as “only two left!” or “today only”. These tactics are designed to make you act.</p> <p>The extent of savings can also depend on retailers’ dynamic pricing tactics. Many businesses use algorithms to adjust discounts in real time based on customer demand, inventory levels and competitor trends.</p> <p>Popular items may start with small discounts, while less popular products get larger price cuts to attract interest.</p> <h2>How to be a savvy shopper</h2> <p>With these factors in mind, there are a few strategies that can help you you keep a clear head.</p> <p>One tactic is to create a shopping list and understand the importance of sticking to predetermined purchase decisions and a predetermined budget. Prioritise needs over impulsive wants.</p> <p>For example, if you need to replace an old keyboard amid a big sale, set a budget before you start looking, and try to avoid buying an entirely new computer just because it’s discounted in-store.</p> <p>Shoppers should prepare for fluctuating prices, while being cautious of tactics such as artificially inflated “fake” discounts, where original prices are exaggerated to make savings seem more appealing.</p> <p>Our previous <a href="https://www.emerald.com/insight/content/doi/10.1108/apjml-07-2021-0475/full/html?casa_token=A3V3IU0s1GkAAAAA%3A84uQk1cv03fh5C6gJrIeOuLPrztKhU4gacoPupelIWtOBZCnqSbmFKz4OjBaL60790I-O011Itd9C63vCGJ_hDSJFuVeiwe3YaiSftT6nUzpzxDYHYkdGQ">research</a> has shown price promotion can trigger customer emotions such as surprise and lead to anticipated regret, influencing their purchase decisions.</p> <h2>Go in with a plan</h2> <p>Another tactic is to do some window shopping in the days or weeks beforehand. This allows you to check and research the products you’re interested in. Note down their non-sale prices for future reference.</p> <p>Create a list of where to buy, along with a few alternatives. For shoes and clothing, try things on if you can and note down your size. That can help you act quickly once the sales go live.</p> <p>And in the excitement of all the sales, don’t forget: if you don’t actually want or need anything, there’s always the option of not shopping at all.<!-- 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/244509/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/park-thaichon-175182">Park Thaichon</a>, Associate Professor of Marketing, <a href="https://theconversation.com/institutions/university-of-southern-queensland-1069">University of Southern Queensland</a> and <a href="https://theconversation.com/profiles/sara-quach-175976">Sara Quach</a>, Senior Lecturer in Marketing, <a href="https://theconversation.com/institutions/griffith-university-828">Griffith University</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/black-friday-sales-are-on-again-to-score-a-genuine-bargain-it-helps-to-go-in-with-a-plan-244509">original article</a>.</em></p> </div>

Money & Banking

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Grandmother mistakes $50m Powerball win for solar panel sales call

<p>A quiet Thursday evening turned into an unforgettable moment for one Central Queensland grandmother, who was expecting yet another pesky solar panel sales pitch but instead received news that would blow the roof off any house – solar panels or not.</p> <p>The elderly couple held one of two division one winning entries in Thursday night’s $100 million Powerball jackpot, pocketing a life-altering $50 million. While most of us might faint, dance or immediately Google "how to buy a private island", the grandmother’s first reaction was a calm, “You’re joking.”</p> <p>“I expected you to ask if we have solar panels, not to tell us we’ve just won $50 million," she told the Lott official, still recovering from the whiplash of going from potential sales target to multi-millionaire. “There’s going to be a few more prezzies under the tree on Christmas day.”</p> <p>The grandmother confessed that their winning ticket wasn’t even the result of her usual superstitious number-picking strategy. “I’ve been playing for a long time now – since the game first started. I had always used the same numbers, but this ticket was just a QuickPick. I’m in a total state of shock."</p> <p>The couple, long-time residents of Rockhampton, said the windfall would primarily benefit their family. Of course, that family might now include second cousins they've never met and a few random people claiming they once smiled at them in Woolies.</p> <p>Meanwhile, the second winner – hailing from Melbourne’s City of Darebin – remains blissfully unaware they’re sitting on $50 million at the time of writing. The unregistered ticket holder has yet to come forward, sparking a local hunt. Lott officials have urged residents to check every ticket – even the crumpled one in your car’s cupholder.</p> <p>So, next time your phone rings and you brace yourself for a sales pitch, remember: it might just be the universe handing you $50 million. Or, you know, another pitch for that unlimited mobile plan.</p> <p><em>Image: Shutterstock</em></p>

Money & Banking

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Teen photographer who shared special moment with Kate Middleton dies

<p>Liz Hatton, a teenager who inspired Kate Middleton while pursuing her photography bucket list, has sadly passed away following her battle with a rare form of cancer. </p> <p>The 17-year-old made headlines around the world when she was photographed <a href="https://www.oversixty.com.au/health/caring/kate-middleton-helps-teen-with-cancer-fulfill-bucket-list-dream" target="_blank" rel="noopener">embracing the Princess of Wales</a> during a private meeting inside Windsor Castle in early October.</p> <p>Liz's mother, Vicky Robayna, confirmed that the teenager had passed away in the early hours of Wednesday morning. </p> <p>Robanya wrote on X, formerly Twitter, that Liz had  "remained determined to the last" and was still making plans for her future on Tuesday.</p> <p>"We are so very proud of the kindness, empathy and courage she has shown in the last year," she wrote.</p> <p>Liz began pursuing her photography bucket list in January after being diagnosed with desmoplastic small round cell tumour, a rare and aggressive form of cancer and given between six months and three years to live by doctors. </p> <p>She had dropped her formal studies in favour of following her dream of photography, and in October, she was invited by the Prince of Wales to take photos at an investiture. </p> <p>The teenager also had a 30-minute personal chat with the royal couple, and her photos at Windsor Castle were later published by Kensington Palace. </p> <p>In a personal message, the Prince and Princess of Wales described Liz as a "talented young photographer whose creativity and strength has inspired us both".</p> <p>Liz's mother also wrote that not only was she "a phenomenal photographer, she was the best human and the most wonderful daughter and big sister we could ever have asked for".</p> <p>"No-one could have fought harder for life than she did," she said.</p> <p>"There is a gaping Liz-shaped hole in our lives that I am not sure how we will ever fill."</p> <p>She also thanked everyone who helped the teenager fulfil her dreams in her final months, and for those who supported her work. </p> <p>"You ensured Liz's last two months were her very best. She flew high until the end."</p> <p>There is currently no standard treatment for the type of cancer Liz had, and no charity specialising in the disease in the UK. </p> <p>Roboyna said that there were "two last favours to ask", and they included sharing one of Liz's photos in tribute and "help us with a mission to raise money to fund research into Desmoplastic Small Round Cell Tumour".</p> <p>"Whether you can share, donate or raise funds – please be our village one more time," her mother said.</p> <p>"Let's make this the last item on her bucket list and make sure other families don't face a similar fate."</p> <p><em>Image: Kensington Palace/ X </em></p>

Caring

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Russell Crowe lists harbourfront apartment for sale

<p>Russell Crowe looks set to bid farewell to his stunning harbourfront apartment in Sydney. </p> <p>Sources have confirmed the 60-year-old actor will sell his 1000sqm property "if the price is right". </p> <p>The <em>Gladiator</em> star has reportedly listed the apartment off-market with a price guide ranging from $42 million to $45 million, however McGrath Double Bay agents William Manning and Luke Hogan, who are in charge of selling the property have refused to comment. </p> <p>The waterfront property is located on Finger Wharf in the upscale Woolloomooloo area, just 2km from Sydney's CBD. </p> <p>Initially designed to accommodate four separate private apartments, the property features 11 bedrooms, and has its own 35-metre marina berth.</p> <p>The property itself is rare as the new owner will get the entire floor that's north-facing to themselves, with buyers reportedly "lining up" to take a look, according to<a href="https://www.realestate.com.au/news/russell-crowe-to-farewell-42m-wharf-apartment-if-price-is-right/" target="_blank" rel="noopener"> realestate.com.au</a>. </p> <p>However, the new owner might also need to do a makeover of the residence before moving in as the actor hasn't renovated the property since buying it from Nutrimetrics founder Imelda Roche and her late husband, Bill Roche, in 2003. </p> <p>Crowe bought the lavish property for $14.35 million in 2003 and considered listing it for $25 million eight years ago. </p> <p>It was the highest priced apartment sale in Sydney at the time, and now prices for a penthouse at One Sydney Harbour in Barangaroo can go up from $140 million. </p> <p><em>Images: realestate.com.au/ Getty</em></p>

Money & Banking

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The government wants to keep cash alive for buying essentials. Here’s why it’s such a challenge for businesses

<div class="theconversation-article-body"> <p><em><a href="https://theconversation.com/profiles/steve-worthington-138">Steve Worthington</a>, <a href="https://theconversation.com/institutions/swinburne-university-of-technology-767">Swinburne University of Technology</a></em></p> <p>Cash usage has <a href="https://www.rba.gov.au/publications/bulletin/2023/jun/cash-use-and-attitudes-in-australia.html">fallen off a cliff</a> in Australia, but the federal government says it must have a future. So, it’s going to mandate one.</p> <p>The Australian government will require businesses to accept cash for essentials such as groceries and fuel. Some (yet to be determined) small businesses will be exempt.</p> <p>According to <a href="https://ministers.treasury.gov.au/ministers/stephen-jones-2022/media-releases/ensuring-future-cash-and-next-steps-phasing-out-cheques">Treasury</a>, losing cash as a means of payment would leave too many people behind:</p> <blockquote> <p>Around 1.5 million Australians use cash to make more than 80% of their in‑person payments. Cash also provides an easily accessible back‑up to digital payments in times of natural disaster or digital outage.</p> </blockquote> <p>In its announcement on Monday, Treasury pointed to what had already been achieved with similar schemes in other countries such as Spain and Norway, and a range of US states.</p> <p>It’s an honourable cause. There are, however, some aspects of life in Australia that will present unique challenges for achieving it.</p> <h2>Why does using cash cost so much?</h2> <p>Some merchants in Australia already refuse to accept cash as a means of payment. That means relying entirely on digital payment methods such as bank cards and mobile wallets.</p> <p>It mightn’t be immediately obvious why some businesses don’t like cash. But for many, it’s the most costly payment method to accept. While cash transactions don’t come with a surcharge fee like bank cards, they do carry a wide range of other hidden costs.</p> <p>Businesses typically need to keep a “float” of cash in their tills overnight, so that next day’s early customers can be given change if needed. This float needs to be regularly updated and rebalanced with appropriate currency so the correct change can always be given.</p> <p>Businesses also have to make sure no cash goes missing during their opening hours, count their cash take at the end of each day, make sure it is secure on their premises, and make periodic physical deposits into their bank account.</p> <p>Both maintaining a float and making deposits can involve unpredictable trips to a bank branch or post office throughout the week.</p> <h2>Things are getting harder</h2> <p>For individuals and businesses, getting cash into and out of a bank account is becoming more of a challenge. And if you’re in regional or remote Australia, the nearest location where you can do so may be an hours-long drive away.</p> <p>The most recent <a href="https://www.apra.gov.au/authorised-deposit-taking-institutions-points-of-presence-statistics">figures</a> from the Australian Prudential Regulation Authority (APRA) show that across Australia since 2017, the number of ATMs has fallen by about 60% and the number of bank branches by 41%.</p> <p>Many remaining bank branches have reduced their hours, and some have even stopped dealing in cash entirely, especially in rural and regional areas.</p> <p>Moving cash around the country isn’t getting any easier or cheaper.</p> <p>The dominant provider of cash-in-transit services, Armaguard, has been under <a href="https://theconversation.com/future-of-cash-secured-for-now-as-banks-and-retailers-bail-out-armaguard-233087">sustained financial pressure</a> in recent years.</p> <p>Earlier this year, it secured a deal with Australia’s big four banks and some of its other major customers to receive a $50 million bailout.</p> <p>Some countries facing similar situations – <a href="https://www.link.co.uk/helping-you-access-cash/banking-hubs">including the UK</a> – have persuaded their banks to fund the idea of “banking hubs”.</p> <p>Typically under this model, a location is identified in a regional community and banks collectively share the space, with each bank having one day a week in residence so that nobody is excluded from these services.</p> <h2>Could a regional branch levy help?</h2> <p>Also this month, Treasury proposed a <a href="https://www.afr.com/politics/federal/banks-face-new-levy-to-keep-rural-branches-open-20241115-p5kqwu">new regional services levy</a>, to support what should be the minimum level of banking services in regional areas.</p> <p>Banks with a relatively large regional presence would be cross subsidised by a proportional levy on banks with relatively fewer services in these areas or none at all.</p> <p>This funding would help banks sustain the number of branches, their opening hours and their ATMs. Under the proposal, banks that fell short of baseline requirements could purchase credits from others that did.</p> <p>The reasoning behind these measures is that like <a href="https://www.transparency.gov.au/publications/communications-and-the-arts/australian-postal-corporation/australia-post-annual-report-2022-23/other-important-information/community-service-obligations">Australia Post</a>, banks should have a formal community service obligation. That is, a baseline of minimum services that must be provided.</p> <h2>Questions still to answer</h2> <p>In its <a href="https://ministers.treasury.gov.au/ministers/jim-chalmers-2022/media-releases/ensuring-future-cash-and-next-steps-phasing-out-cheques">media release</a>, Treasury only gave a big picture view of what they wanted to achieve. There are still many questions that need to be resolved before any of its plans can become legislation.</p> <p>Some concern where and how to target support. If regionally focused, how should regional be defined? Which areas and towns prioritised?</p> <p>How should the banks and other financial services providers be required to help support cash use?</p> <p>Exactly which businesses will be affected – and which exempt – must also be clearly defined, along with any enforcement measures.</p> <p>And there is likely to be robust debate over what exactly constitutes the “essentials” for which merchants will be mandated to accept cash payment.<!-- 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/243919/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><a href="https://theconversation.com/profiles/steve-worthington-138"><em>Steve Worthington</em></a><em>, Adjunct Professor, <a href="https://theconversation.com/institutions/swinburne-university-of-technology-767">Swinburne University of Technology</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/the-government-wants-to-keep-cash-alive-for-buying-essentials-heres-why-its-such-a-challenge-for-businesses-243919">original article</a>.</em></p> </div>

Money & Banking

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How to buy a good pair of sunglasses

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/jacobo-garcia-queiruga-1496353">Jacobo García Queiruga</a>, <a href="https://theconversation.com/institutions/universidade-de-santiago-de-compostela-2533">Universidade de Santiago de Compostela</a> and <a href="https://theconversation.com/profiles/veronica-noya-padin-1529488">Verónica Noya Padín</a>, <a href="https://theconversation.com/institutions/universidade-de-santiago-de-compostela-2533">Universidade de Santiago de Compostela</a></em></p> <p>Nowadays you can buy a cheap pair of sunglasses just about anywhere – from supermarkets and petrol stations to corner shops and online fashion retailers, but such ubiquity may prompt doubts as to the protection they can offer. While their lenses usually meet certain minimum UV protection requirements, their quality in other respects, such as visual clarity, is dismal.</p> <p>Opticians, however, are governed by national health regulations, meaning that they have to meet higher standards such as the <a href="https://single-market-economy.ec.europa.eu/single-market/ce-marking_en">CE</a> and <a href="https://www.gov.uk/guidance/using-the-ukca-marking">UKCA</a> marks. Professional opticians are therefore much better equipped to help customers find sunglasses that not only meet their practical demands, but which are also comfortable and well suited to their facial features.</p> <h2>Rules for protection</h2> <p><a href="https://www.iso.org/obp/ui/en/#iso:std:iso:12312:-1:ed-2:v1:en">European law</a> classifies sunglass lenses as “personal protective equipment”, outlining five levels of protection. Category 0 lenses allow 80-100% of light through, while those in category 4 only let 3-8% through, meaning they are not suitable for driving. Category 3 is the most commonly used, as they are appropriate for most situations, including driving.</p> <p>So, do darker lenses protect you better? The short answer is: not necessarily. The degree of light absorption depends on how and where they will be used: category 4 lenses are designed for extremely bright areas like high mountains or deserts, but may actually reduce your visibility in other situations.</p> <p>However, all sunglasses that meet the established standards will protect your eyes from UV radiation.</p> <h2>Quality of vision</h2> <p>Wearing sunglasses can give the feeling that your vision is impeded. This is because a tinted lens selectively filters light: it lets in one type of radiation and limits another. Three concepts can help us understand how this works, and why it matters.</p> <p>First up is <strong>visual acuity</strong>. This is the term used to measure how “sharply” we see, and it is tested by asking patients to read increasingly small letters that appear on a screen or wall chart, with an ideal result around 100%. However, this test is performed with black letters on a well lit white background, so it does not take into account how visual quality may vary in other lighting conditions.</p> <p><strong>Contrast sensitivity</strong> is defined as the ability to differentiate objects from the surrounding background. It is, for instance, more difficult to distinguish black letters on grey backgrounds than on white backgrounds.</p> <p>Lastly, we have <strong>refractive errors</strong>, which affect both <strong>visual acuity</strong> and <strong>contrast sensitivity</strong>. These are what cause astigmatisms and make us long or short sighted. Wearing non-prescription sunglasses when suffering from any of these conditions can make vision even worse than it would be without them.</p> <h2>Colour matters</h2> <p>With all this in mind, we should also address the common question of lens colour. While colour does not affect protection, <a href="https://www.researchgate.net/publication/11320153_Effect_of_variable_tinted_spectacle_lenses_on_visual_performance_in_control_subjects">it can affect contrast and the feeling of brightness</a>, because each colour filters out a different wavelength of light.</p> <p><a href="https://www.researchgate.net/publication/11320153_Effect_of_variable_tinted_spectacle_lenses_on_visual_performance_in_control_subjects">Grey lenses filter out all wavelengths of light</a>, while tints such as brown or green have a different effect on light absorption. This means that <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC10699545/">visual perception</a> tends to be brighter through a brown lens, very dark through grey ones, and more natural through green ones.</p> <h2>Plastic or glass lenses?</h2> <p>Colour isn’t the only thing that affects quality of vision: we also have to pay attention to what the lenses are made of. While they are most commonly made of specialised plastics – known as organic lenses – you can also find glass ones, known as mineral lenses.</p> <p>These two materials are not the same. Organic lenses are lighter and stronger, while mineral lenses are more scratch resistant and are less prone to colour distortion. This means that mineral lenses offer greater quality of vision.</p> <h2>What about polarised lenses?</h2> <p>Polarised lenses block light that reaches the eye at a certain angle after reflecting off a surface such as a road or water, thus reducing glare. They are particularly suited to driving or spending time around water.</p> <p>However, they can be unsuitable in certain situations. For example, they block light from screens, making them appear darker or even completely black, meaning devices often have to be rotated to improve visibility. They are also not ideal for certain winter sports: by eliminating glare they make it very easy to miss icy patches on the ground.</p> <h2>Other features</h2> <p>Lastly, there are certain design features that we cannot overlook when choosing a pair of sunglasses.</p> <p><strong>Gradient lenses</strong> are darker at the top, and graduate down to a lighter tint at the bottom – they usually absorb around 85% of light in their darkest area, and 10% in the lightest. These lenses are stylish, but that does not affect their protection against UV rays. That said, they might be better suited to cloudy conditions, and on a bright summer day they may not be the best option.</p> <p><strong>Reflective lenses</strong> have a layer on their outer surface that reflects light and enhances protection. Unfortunately, this treatment is easily damaged or scratched.</p> <p>Lenses with <strong>anti reflective coating on the inside of the lens</strong> provide greater clarity of vision by eliminating light reflected from behind the wearer. This treatment is usually applied to large sunglasses, or glasses with optically very high quality lenses.</p> <p>In the event of any doubt, the best possible advice is to speak to your optician or optometrist to find the sunglasses that best meet your needs.<!-- 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/229953/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/jacobo-garcia-queiruga-1496353">Jacobo García Queiruga</a>, Profesor Interino en el Área de Optometría (OD, MSc, PhD), <a href="https://theconversation.com/institutions/universidade-de-santiago-de-compostela-2533">Universidade de Santiago de Compostela</a> and <a href="https://theconversation.com/profiles/veronica-noya-padin-1529488">Verónica Noya Padín</a>, Investigadora predoctoral - Área de Optometría, <a href="https://theconversation.com/institutions/universidade-de-santiago-de-compostela-2533">Universidade de Santiago de Compostela</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/how-to-buy-a-good-pair-of-sunglasses-229953">original article</a>.</em></p> </div>

Beauty & Style

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King Charles' special tribute to Holocaust survivor

<p>King Charles has paid tribute to Holocaust survivor Lily Ebert, who has died aged 100. </p> <p>The Hungarian-born British writer died peacefully at home in north London. She was the eldest of six children and was freed from Auschwitz at the age of 20, almost 80 years ago, as her mother and two younger siblings were killed in the gas chambers.</p> <p>She migrated to the UK in 1967 with her husband and began educating the world about the horrors of the Holocaust. </p> <p>Since then, her story and resilience has touched millions worldwide, including King Charles, who met her in 2015 when she joined him to light one of six remembrance candles in London for the Holocaust Memorial Day Trust. </p> <p>Last year, he made her an MBE (Most Excellent Order of the British Empire) in recognition of her services to Holocaust education. </p> <p>In a statement released by Buckingham Palace, the monarch said  "it was with the greatest sadness" that he had heard of her death.</p> <p>"As a survivor of the unmentionable horrors of the Holocaust, I am so proud that she later found a home in Britain where she continued to tell the world of the horrendous atrocities she had witnessed, as a permanent reminder for our generation – and, indeed, for future generations – of the depths of depravity and evil to which humankind can fall, when reason, compassion and truth are abandoned," he said.</p> <p>"Alongside other Holocaust survivors, she became an integral part of the fabric of our nation; her extraordinary resilience and courage an example to us all, which will never be forgotten."</p> <p>In 2021, Charles, who was the Prince of Wales described how he had been personally inspired throughout his own life by the stories of survivors and their bravery and personal sacrifice. </p> <p>At the unveiling of the Queen's Gallery in London, Ebert told him:  "Meeting you, it is for everyone who lost their lives." </p> <p>To which the King replied:  "But it is a greater privilege for me."</p> <p>Ebert's great-grandson Dov Forman, who helped co-write her book<em> How I Survived Auschwitz and Found the Strength to Live, </em>paid tribute to the family's "beloved matriarch", known as Safta on social media. </p> <p>"Over the years, Safta's story touched hundreds of millions worldwide, reminding us of the resilience of the human spirit and the dangers of unchecked hatred," he began.</p> <p>"She taught us the power of tolerance and faith, the importance of speaking out, and the need to stand against prejudice.</p> <p>"Safta was the queen of our large, loving family. With a surviving daughter and son – remembering a daughter who pre-deceased her – 10 grandchildren, 38 great-grandchildren and one great-great-grandchild, her legacy lives on in each of us.</p> <p>"She rebuilt her life with faith and love, never asking, 'Why me?'. Instead, she focused on what could be rebuilt from the ashes, and her positivity continues to guide us through these difficult times.</p> <p>"As we mourn our beloved Mummy, Safta, we also celebrate her extraordinary life.</p> <p>"A light that shone so brightly has gone dark. She was our hero, and her absence leaves an unimaginable void in our lives."</p> <p><em>Images: </em><em>Arthur Edwards/WPA Pool/ Shutterstock Editorial</em></p> <p> </p>

Caring

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Qatar Airways celebrates special milestone with huge sale

<p>Qatar Airways launched its first service in Australia 15 years ago and to celebrate the special milestone they have announced an epic sale. </p> <p>Prices have dropped for a bunch of their popular destinations including Nice, London, Dublin, Lisbon, New York and Seychelles. </p> <p>The sale is on now until September 30, 2024 for flights between October 1, 2024 to June 10, 2025.</p> <p>Economy flights from Sydney to London start from $1849, or business class from $8189. </p> <p>For those in Melbourne wanting to experience their Europe summer, flights to Nice start from from $1849 or on business class from $8099.</p> <p>And if you're looking to visit the concrete jungle, flights to New York from Brisbane start from $1839 for economy or $7859 for business class. </p> <p>The fares include taxes, fees and airport surcharges. </p> <p>The Doha-based airline offers services to more than 49 destinations from Australia across Europe and the UK, 29 destinations across Africa, and 33 destinations across the Middle East. They also offer flights to 13 destinations across North and South America. </p> <p>In 2024, Qatar Airways was voted the World's Best Airline in the annual Skytrax’s World Airline Awards in June, for the eighth time. </p> <p>It also won the awards for World’s Best Business Class, World’s Best Business Class Airline Lounge and Best Airline in the Middle East.</p> <p>“This is a proud moment for Qatar Airways. I am honoured to share this award with my dedicated team,” Qatar Airways group chief executive officer, Badr Mohammed Al-Meer, said at the Skytrax event in London.</p> <p>“This award is a testimony to our relentless commitment to providing unparalleled service and innovation. We look forward to continuing to serve our customers with the highest level of excellence.”</p> <p><em>Image: </em><em>Vytautas Kielaitis / Shutterstock.com</em></p>

International Travel

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Jessica Alba surprises dad by buying his childhood home

<p>Jessica Alba has spent the past three years working towards buying her parents a house, but not just any house, she bought her father's childhood home. </p> <p>She took to Instagram to make the announcement, with a teaser video of her special home-renovation project. </p> <p>"Almost three years ago, I started the project of my dreams… I surprised my parents by buying them a house!!" she began. </p> <p>"Now, it wasn't just any house – it was extra sentimental as it was my grandparent's house that my father grew up in," she continued.</p> <p>"After my grandfather passed away, my parents were planning on selling the house in order to pay for my grandmother's medical bills. Well… I pretended like I was going to help them flip it before selling when in reality, I had planned to buy it for them all along."</p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-captioned="" data-instgrm-permalink="https://www.instagram.com/reel/C_TWEyhPyy_/?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/C_TWEyhPyy_/?utm_source=ig_embed&amp;utm_campaign=loading" target="_blank" rel="noopener">A post shared by Jessica Alba (@jessicaalba)</a></p> </div> </blockquote> <p>She published the first part of her renovation series on YouTube and in it explained the sentimental value of the house and how it was a symbol for her father, who was an immigrant from Mexico, that "he had made it".  </p> <p>Her family initially planned to sell it to ease some of their financial burden, as her grandmother required  "24/7 care" but Alba wanted to keep the house in the family and so her plan began.</p> <p>"Instead of it giving to a stranger, I wanted to keep this home in our family," she said in the YouTube series. </p> <p>The moment Alba surprised her parents was also captured in the video, with her father brought to tears as he was overcome with emotion. </p> <p>"That's so sweet Jessica. That's a big surprise," he said while embracing his daughter.</p> <p>"I'm very proud of you."</p> <p><em>Images: Instagram</em></p>

Money & Banking

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How fear of missing out can lead to you paying more when buying a home

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/park-thaichon-175182">Park Thaichon</a>, <a href="https://theconversation.com/institutions/university-of-southern-queensland-1069">University of Southern Queensland</a></em></p> <p>The property market is a competitive space where finding a nice home, in the area you want, at a price you can afford is a hard ask.</p> <p>With buyers outnumbering available properties, the pressure is even greater causing some would-be buyers to develop <a href="https://health.clevelandclinic.org/understanding-fomo">a fear of missing out</a> (FOMO) and to make irrational decisions.</p> <p>FOMO might make you worry others are finding nicer homes and getting better deals, or that prices will rise to the point where you are priced out of the market altogether. This could cause you to pay too much or to buy a property in an area unsuitable for your needs.</p> <p>Then there is <a href="https://www.psychologytoday.com/au/blog/counseling-keys/202103/overcoming-fear-of-making-mistakes">fear of making a mistake</a> (FOMM), which can also cause problems if you’re a home hunter. You might be reluctant to bid or to negotiate because you are afraid of choosing the wrong property or paying more than it’s worth.</p> <h2>Problems caused by FOMO and FOMM</h2> <p>The principles of contagion theory, crowd psychology and the scarcity principle we identified in <a href="https://onlinelibrary.wiley.com/doi/epdf/10.1111/ijcs.12649?casa_token=271MN72XdP8AAAAA%3AfhYF_2yUJtM7KGv5jvFdXn5UsXQLkMcIM_F6hffYa30QaSdRivjf2mhFX-cr5C7ttCuLl1-e2OFYXBA">our research</a> on panic-buying during the pandemic, can be applied to any purchasing decisions. In this instance we applied them to buying properties in a competitive housing market.</p> <p><a href="https://www.communicationtheory.org/contagion-theory/">Contagion theory</a> applies when people act irrationally under the influence of a crowd. <a href="https://www.bestvalueschools.com/faq/what-is-crowd-psychology/">Crowd psychology</a> is similar but relates to how a crowd behaves in certain circumstances, while <a href="https://www.indeed.com/career-advice/career-development/scarcity-principle">scarcity principle</a> is the idea if there are fewer items available, their value increases.</p> <p>Each of these can increase the likelihood of several behaviours when purchasing a property. These include:</p> <ul> <li><strong>Underbidding and overbidding</strong></li> </ul> <p>Fearing other buyers might get the house, house hunters might get caught up in a bidding war and end up paying more than planned.</p> <p>Conversely, buyers with FOMM might fear spending too much so bid too low to start with and risk losing the house.</p> <ul> <li><strong>Following the crowd and peer pressure influence</strong></li> </ul> <p>Buyers might feel <a href="https://link.springer.com/article/10.1007/s11403-021-00324-7">pressured to buy</a> in a certain area because it’s popular, even if it is not best fit for them. This can lead to paying more for a house just because others are doing the same.</p> <ul> <li><strong>Delaying decisions</strong></li> </ul> <p>FOMM can lead to <a href="https://onlinelibrary.wiley.com/doi/abs/10.1111/ijcs.12990?casa_token=ZhJnLBOwVxUAAAAA%3AW5haHZKSA1rFQsRNdvw0liOoyvdxl0OrFR2phkhGfYC6TnWRv9EsnV-N8w52CmcnAVb8X2yU1obpIjKx">taking too long to decide</a>. This delay can mean missing out on good deals or being forced to rush into a decision and end up overpaying.</p> <ul> <li><strong>Avoiding negotiation</strong></li> </ul> <p>Some buyers might avoid negotiating the price or special conditions such as building and pest inspections and finance approval because they fear the seller will reject their offer. This can result in paying more than they need to if there are problems later.</p> <ul> <li><strong>Excessive inspections and appraisals</strong></li> </ul> <p>While inspections and appraisals are important, too many can suggest indecisiveness driven by fear, resulting in wasted money on unnecessary assessments, and more importantly, wasted time and delayed decisions.</p> <h2>Removing fear from the buying process</h2> <p>Start with thorough research and preparation by learning about different neighbourhoods and house prices. The history of properties and suburbs can be found for free on property websites and is a good place to start.</p> <p>Seek professional guidance from real estate agents or financial advisers to help you through the process.</p> <p>Get insights on market trends from an agent from a selling company or bank to help find homes that meet your criteria. Keep in mind these agents will get some form of incentive from your purchase.</p> <p>All the big banks or loan officers can provide free property reports on specific properties or suburbs.</p> <p>Don’t forget to check council mapping and water authority documents to check for potential future road projects and other developments and for an area’s flood rating.</p> <p>Perform due diligence by thoroughly inspecting properties and reviewing contracts to ensure they meet your needs and are a good investment.</p> <p>For example, it is a good idea to hire a home inspector to check for any hidden issues before making an offer.</p> <p>Another common mistake made by most buyers is not asking their <a href="https://www.qld.gov.au/law/housing-and-neighbours/buying-and-selling-a-property/buying-a-home/before-you-start-looking/appointing-a-solicitor">solicitor</a> to check and give suggestions before signing a contract or offer.</p> <p>A solicitor can check the sale contract before you sign, review the disclosure documents, give advice on your mortgage contract, carry out title searches and explain the results and explain how the purchase may affect your liability for land tax.</p> <p>Do some contingency planning by preparing for unexpected price increases and for the presence of other strong bidders to reduce anxiety about making the wrong decision. Setting aside extra funds could help deal with higher than expected prices or unexpected repairs that need doing.</p> <p>In the end, plan well and make decisions without letting emotions take over. Taking your time to find the right home that fits your budget and goals, rather than rushing into a purchase due to fear of missing out or making a mistake.<!-- 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/233197/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/park-thaichon-175182">Park Thaichon</a>, Associate Professor of Marketing, <a href="https://theconversation.com/institutions/university-of-southern-queensland-1069">University of Southern Queensland</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/how-fear-of-missing-out-can-lead-to-you-paying-more-when-buying-a-home-233197">original article</a>.</em></p> </div>

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Olivia Newton-John's daughter reveals special plans to honour mother's legacy

<p>Olivia Newton-John's daughter Chloe Lattanzi has revealed that she will be returning Down Under later this year to honour her mother's legacy. </p> <p>Chloe took to Instagram on Thursday to announce that she will be taking part in Olivia's Walk for Wellness in Melbourne on October 6.</p> <p>"Hi everyone! I am so excited to be coming to Melbourne once again to keep my momma’s legacy alive," she wrote in the caption, before inviting her followers to join her on October 6 in Melbourne's scenic Alexandra Gardens.</p> <p>She added that it "will be an amazing day of raising funds to support people on their cancer journey. Funds raised will help provide free wellness programs at the ONJ Cancer Centre."</p> <p>She invited her followers to join her for the cause, which aims to raise funds for cancer research. </p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-captioned="" data-instgrm-permalink="https://www.instagram.com/reel/C-87Phuy1N7/?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/C-87Phuy1N7/?utm_source=ig_embed&amp;utm_campaign=loading" target="_blank" rel="noopener">A post shared by Chloe Lattanzi (@chloelattanziofficial)</a></p> </div> </blockquote> <p>Chloe also said that the theme for the 2024 walk was "Let's Get Physical" with participants encouraged to dress in "80s retro outfits," which  appears to be a tribute to Olivia's 1981 smash hit song<em> Physical</em>.</p> <p>"And please bring your puppies," she said in the video. </p> <p>She then signed off her message with: "Hope to see you all there! With love, light and gratitude, Chloe!" </p> <p>The Olivia Newton-John Wellness and Research Centre opened in 2012 and its services have helped thousands.</p> <p>The performer also travelled to Australia last year to take part in the popular event. </p> <p><em>Image: Instagram</em></p>

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