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"No sympathy": 26-year-old roasted over massive tax bill complaint

It’s a classic tale of riches to tax brackets – OnlyFans creator Talia Batiste, 26, has found herself in the fiery depths of an Australian Tax Office reckoning, and the internet has wasted no time serving up a heaping plate of zero sympathy. Batiste, who revealed that she’s been hit with a tax bill totalling $71,008.45 (yes, she included the cents for maximum devastation), took to social media to lament her financial woes. “For everyone that likes to make sure I’m paying my tax. I’m going to go and cry myself to sleep now,” she wrote, presumably while clutching her silk pillow stuffed with $100 bills. The internet’s reaction? Less “thoughts and prayers”, more “play stupid games, win inevitable government-mandated financial responsibilities”. “Absolutely robbery,” one concerned citizen commented, clearly distressed by the idea of anyone having to contribute to society. “To pay that much tax, you earn a sh**load. No sympathy,” another user shot back, presumably while furiously entering their own lacklustre income into a tax return calculator. Some were more pragmatic, offering sage financial wisdom. “I hope you have a good accountant to get you those tax deductions,” someone advised, the unspoken message being: “There’s still hope, young one.” While many scoffed at the idea of crying over a salary that most people only see on TV shows where billionaires buy entire islands for sport, Batiste remained defiant. <a href="https://www.news.com.au/finance/economy/cry-myself-to-sleep-26yearold-in-tears-over-giant-tax-bill/news-story/7adfcb10f0ea62a1749f4dc6c1b65934" target="_blank" rel="noopener">Speaking to news.com.au</a>, she admitted that the bill “wasn’t too bad” compared to the tax nightmares of yesteryear. (Yes, it turns out paying taxes gets easier when you know they’re coming. Who knew?) Batiste revealed that an early accounting blunder had initially classified her as a sole trader rather than a business, making her tax situation about as pleasant as a surprise phone call from the ATO. “So when I make $400,000+ a year, it looks like that is my personal income rather than money going back into a business,” she explained, finally unlocking the ancient wisdom of self-employment taxation. Now, with proper financial advice in place, she says she takes a modest salary while the rest of her earnings go into business expenses – like, presumably, funding the tissue budget for her post-tax breakdowns. Despite her newfound tax strategy, Batiste insists that the process “never gets easier”. (Except for last year, when she owed a whopping $136k, making this year’s bill look like pocket change by comparison.) She also had some words about Australia’s taxation system: “Everybody pays too much tax.” Yes, much like death and bad reality TV spin-offs, taxation is inevitable. But Batiste isn’t letting it get her down – at least, not too much. Even though she says she’s “prepared” for these bills now, that doesn’t mean she enjoys sending her hard-earned money into the great abyss of government spending. “Hitting send on that ATO payment hurts every time,” she said. Meanwhile, taxpayers earning a fraction of her income simply sighed, checked their bank balances, and went back to their regularly scheduled programming: budgeting how to afford avocados and rent in the same month. Images: TikTok

Money & Banking

Replacing stamp duty with a land tax could save home buyers big money. Here’s how

<div class="theconversation-article-body"> Infrastructure Victoria has released a <a href="https://assets.infrastructurevictoria.com.au/assets/Victorias-draft-30-year-infrastructure-strategy.pdf">draft 30-year plan </a> outlining how the state can grow sustainably. It focuses on key areas like transport, housing, energy, and public services to support a growing population and improve liveability. The plan also suggests ways to make the state’s infrastructure and tax system fairer, more efficient and more sustainable. The plan’s recommendations are expected to cost between A$60 billion and $75 billion, mostly spent before 2035. This is around 10% of <a href="https://www.abs.gov.au/statistics/economy/national-accounts/australian-national-accounts-state-accounts/2023-24-financial-year#data-downloads">Victoria’s yearly economic output</a> in 2023-24, spread over the next decade. With Victoria already spending record amounts on infrastructure, and <a href="https://pbo.vic.gov.au/document/BudgetUpdateSnapshot2024-25">budget deficits forecast</a> until 2025-26, finding the money to fund social housing, transport and other projects is a key challenge. We estimate the Infrastructure Victoria proposals would add between $4 billion and $5 billion to Victorian government expenditure each year. Yet one of its proposals — replacing stamp duty with an annual land tax — would only cost between $1 million and $5 million to implement, but generate substantial gains for Victorian households. <h2>Why replace stamp duty with land tax?</h2> Stamp duty is one of the biggest barriers to moving house in Victoria and other Australian states. This tax, which people pay when they buy property, adds thousands of dollars to the cost of moving. In 2022-23, Victorians paid about <a href="https://www.abs.gov.au/statistics/economy/national-accounts/australian-national-accounts-state-accounts/2023-24-financial-year#data-downloads">$12 billion</a> to move house. Of this, $3 billion went to actual moving costs (like real estate services, and removalists) and $9 billion was <a href="https://www.abs.gov.au/statistics/economy/government/taxation-revenue-australia/latest-release#data-downloads">stamp duty</a>. That’s an effective tax rate of 300% on the true cost of moving, and in 2023 <a href="https://www.e-business.sro.vic.gov.au/calculators/land-transfer-duty">added about</a> $40,000, or 5.3%, to the cost of purchasing the average Victorian home. High stamp duty discourages people from relocating, even when their needs change — whether that’s moving for a new job, finding a bigger home for a growing family or downsizing after retirement. This leads to longer commutes, traffic congestion and a less efficient housing market. Switching from stamp duty to an annual land tax would make moving easier and spread the tax burden more fairly. Instead of a large, one-time tax when buying a home, all landowners would pay a smaller tax each year. This would help fund schools, hospitals, and other infrastructure more sustainably. <h2>What can we learn from Canberra?</h2> Victoria University’s Centre of Policy Studies <a href="https://www.treasury.act.gov.au/__data/assets/pdf_file/0009/1618407/cops-final-report.pdf">studied a similar reform</a> in the Australian Capital Territory, where stamp duty has been gradually phased out since 2012 and replaced with higher general rates (a type of land tax). Each year, the ACT government sets a target for how much money it needs to raise. Landowners then pay a share of that total, based on the value of their land. One of the biggest benefits of this approach is that it raises money more efficiently. Unlike other taxes, land taxes don’t discourage investment or economic activity. The study found removing stamp duty had a big positive impact on the ACT’s economy. Around 80% of the economic boost came from removing stamp duty, while introducing land tax also had benefits. By studying transaction data from the ACT, we showed each 10% reduction stamp duty rates drove a 6% rise in property transactions. <h2>Would it help housing affordability?</h2> One of the main arguments for replacing stamp duty with land tax is its effect on housing prices. Economists widely agree land taxes reduce land values, which makes housing more affordable. However, the impact of removing stamp duty is less predictable. Our previous research found <a href="https://theconversation.com/swapping-stamp-duty-for-land-tax-would-push-down-house-prices-but-push-up-apartment-prices-new-modelling-finds-184381">the effect on house prices</a> depends on how often properties are bought and sold. Apartments, for example, tend to change hands more frequently than houses. Because of this, removing stamp duty tends to push up apartment prices more than house prices. Even so, the overall effect of the reform is a drop in property prices. The challenge is ensuring this price reduction is evenly spread across different types of housing. <h2>A fairer tax system</h2> To make the system fairer, policymakers could adjust how land tax is applied. One option is to introduce a fixed-rate component, as <a href="https://www.revenue.nsw.gov.au/grants-schemes/previous-schemes/first-home-buyer-choice">proposed </a> in New South Wales. Another idea, suggested 15 years ago in the <a href="https://treasury.gov.au/sites/default/files/2019-10/afts_final_report_part_1_consolidated.pdf">Henry Tax Review</a>, is to base the tax on the per-square-metre value of land. Another key factor is housing supply. If planning laws allow more high-density housing in inner suburbs, price changes could be better managed. <h2>We also need short-term solutions</h2> Replacing stamp duty with land tax is a long-term reform that would take years to fully implement. The ACT, for example, planned a 20-year transition. If all state governments implemented this reform, we estimate Australian households would ultimately be <a href="https://www.copsmodels.com/ftp/workpapr/g-337.pdf">better off by about</a> $,1600 per household per year. In the short term, <a href="https://theconversation.com/whats-the-best-way-to-ease-rents-and-improve-housing-affordability-we-modelled-4-of-the-governments-biggest-programs-225446">other policies </a> could help improve housing affordability. These include increasing Commonwealth Rent Assistance and rethinking first-home buyer support. These steps could complement broader tax, infrastructure and housing supply reforms. The Victorian government is <a href="https://engage.vic.gov.au/victorias30yearinfrastructurestrategy">seeking feedback</a> on the draft plan before releasing the final version later this year. This is an opportunity for Victorians to contribute ideas on how to shape the state’s future and ensure its infrastructure and tax system work for everyone.<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/251472/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/jason-nassios-318488">Jason Nassios</a>, Associate Professor, Centre of Policy Studies, <a href="https://theconversation.com/institutions/victoria-university-1175">Victoria University</a> and <a href="https://theconversation.com/profiles/james-giesecke-9853">James Giesecke</a>, Professor, Centre of Policy Studies and the Impact Project, <a href="https://theconversation.com/institutions/victoria-university-1175">Victoria University</a> This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/replacing-stamp-duty-with-a-land-tax-could-save-home-buyers-big-money-heres-how-251472">original article</a>. Image: 7news.com.au </div>

Money & Banking

Experts debunk dominant theory in Hackman deaths

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

Caring

Travel expert shares top luxury destinations for 2025

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

International Travel

How to prepare for a cyclone, according to an expert

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/yetta-gurtner-2337172">Yetta Gurtner</a>, <a href="https://theconversation.com/institutions/james-cook-university-1167">James Cook University</a> Tropical Cyclone Alfred is predicted to make landfall anywhere <a href="https://www.abc.net.au/news/2025-03-03/tropical-cyclone-alfred-landfall-thursday-live-updates/105002038">between Bundaberg and northern New South Wales</a> this week. The Australian Bureau of Meteorology <a href="http://www.bom.gov.au/cgi-bin/wrap_fwo.pl?IDQ20023.html">has warned</a> it may bring severe hazards and “dangerous and life-threatening flash flooding”. So, how do you prepare for a cyclone – and what do you do if it’s too late to leave? <h2>How to prepare</h2> Your starting point is to consider the risk to yourself and everyone in your household (including pets). Consider ensuring you have: <ul> <li>non-perishable food that everyone in the family will eat (enough for five to seven days)</li> <li>water for drinking and cleaning (three litres per person per day)</li> <li>medication (two weeks worth)</li> <li>toiletries and first aid kit</li> <li>pet food/supplies</li> <li>torches</li> <li>batteries</li> <li>a back up battery for your phone</li> <li>baby formula and nappies if needed</li> <li>protective clothing and closed-in shoes</li> <li>cash in small denominations</li> <li>valuable documents such as passports, title deeds, ID, insurance details, photos (these can be photographed or packed in weather-proof container or envelope)</li> <li>kids’ books, card games, board games, headphones</li> <li>anything else you may need or really value (and isn’t too heavy to carry).</li> </ul> Make sure you have a grab-and-go kit that you can carry by yourself if authorities suddenly tell you to evacuate immediately. Conventional wisdom used to be to prepare enough supplies for three days of disruption. Now, experts recommend having enough for five to seven days. After the initial disaster there may be road blockages or supply chain problems. Ensure you have enough medication for a week or two, because pharmacies may take days or weeks to re-open. And remember that many medications, such as insulin, need to be refrigerated, so consider how you’d keep them cool if the power went out. Fill containers with water and stick them in your freezer now; they can keep your freezer cool if you lose power. They can also become drinking water in future. Talk to your neighbours. Do they have a generator or a camping fridge you can use? This is a great opportunity to get to know your community and pool your resources. Ask yourself if you have friends with whom you or a pet can stay. One of the main reasons people don’t evacuate is because they can’t bring their pets (not all evacuation shelters allow them, so check in advance). Consider what you can do now to prepare your house. One of the most common call-outs the SES receives is about blocked drains and gutters, so check if there’s time to clean your gutters now. You won’t be able to do it during the storm. <h2>Stay informed – and don’t rely on hearsay</h2> Have a plan for getting truthful information before, during and after the cyclone. Rely on the information provided by official sources, as they will tell you when it’s too late to evacuate or when it’s safe to come out. This is highly context-specific and will depend on where you are located. Get advice where possible from your local council’s <a href="https://www.qld.gov.au/community/disasters-emergencies/disasters/resources-translations/local-government-disaster-dashboards">disaster dashboard</a> (most councils have one). It should provide information such as where to get sandbags, which roads are closed (which can affect your evacuation plan) and evacuation centre openings and locations. Anyone who monitors social media will see how many amateur meteorologists and maps are out there, but these are often not the best source. Always rely on official sources rather than hearsay, trending footage or amateur “experts”. Always have an battery-operated AM-FM radio. If power goes out, relying on your phone to track information will drain your phone battery very quickly. You may be able to charge it via your car or laptop, but telecommunications networks may not be active. So having a battery-operated radio on hand – and plenty of batteries – is crucial. <h2>What if the cyclone hits while you’re at home?</h2> If it’s too late to evacuate, have a plan for sheltering in place. Find the smallest room in your house with the least windows (which can shatter in a storm). This is often the bathroom, but it could be under the stairs. It is usually on the lowest level of the house. Bring your food, water, radio, blankets and supplies there. Avoid walking around the house during the cyclone to fetch things; there could be glass on the floor or debris flying around. It’s hard to predict how long you will need to shelter there, but it’s important not to leave until official sources say it is safe to do so. Cyclones come in stages. They arrive from one direction, then comes an eerie calm as the “eye of the storm” passes over. Next, the other half of the cyclone arrives. Don’t go outside during the eye of the storm, because it’s not over. Outside the house, there may be powerlines down, broken glass and other hazards. Don’t venture out until you get official clearance from the disaster dashboard or official sources on the radio saying it is safe. For <a href="https://www.ses.qld.gov.au/ses-assistance">non-life threatening emergencies</a> – such as a tree on your roof, or water running through your house – call the SES on 132 500 or register on the <a href="https://apps.apple.com/au/app/ses-assistance-qld/id704964892">SES Assistance app</a> (if you’re in Queensland). They will not come during the event itself but will come later. If it’s a life threatening emergency, always call triple 0. <h2>After the storm</h2> After the storm, consider how to make your house more cyclone-ready in future. Many houses in North Queensland are designed for cyclone zones, but not as many further south will be. Climate change means cyclones are likely to be more severe in future. These days, be cyclone-ready 365 days a year.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/251251/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/yetta-gurtner-2337172">Yetta Gurtner</a>, Adjunct senior lecturer, Centre for Disaster Studies, <a href="https://theconversation.com/institutions/james-cook-university-1167">James Cook University</a> Image credits: SBS News This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/how-to-prepare-for-a-cyclone-according-to-an-expert-251251">original article</a>. </div>

Travel Tips

Cricket great takes aim at Albo's beer tax freeze

Cricket great David Warner has slammed Prime Minister Anthony Albanese's move to combat soaring beer prices. On Monday, Albanese promised to pause the government's tax hike on beers poured at pubs for the next two years. Albanese announced the policy while enjoying his "first beer of the year" at the Bob Hawke Beer and Leisure Centre in Marrickville. "This will make a difference. It is a positive announcement. As I said, good for beer drinkers, good for pubs and clubs, good for cost of living pressures," he said. Australia's inflation-indexed alcohol tax - which increases twice annually - has long been an issue for breweries, pub owners and customers. This month, there was a 3.5 per cent rise on the price of beer, an additional cost that usually gets passed onto the customer. The Prime Minister said if he is re-elected, the Labor government would freeze the indexation on draught beer excise for 24 months from the next indexation date this coming August. However, Warner believes this move is a "few years too late," slamming the Prime Minister's pledge on social media. Warner, who is an investor and director of Victoria's St Andrews Beach Brewery, has been affected by the rising prices. Shortly after Albanese's announcement, Coalition treasury spokesman Angus Taylor said Peter Dutton, if elected, would also freeze tax. "The government has chosen the eve of an election to promise voters a freeze on a tax that has skyrocketed due to its failure to address inflation at its core," Taylor said. Image: LUKAS COCH/EPA-EFE/ Shutterstock Editorial/ Instagram

Money & Banking

Use it or lose it as historic super cap prepares to expire

Jordan Kennedy is a Partner at accounting and advisory firm Pitcher Partners Sydney. Australians could be sitting on a golden opportunity to spur their super savings this year — but if they don’t act fast, they will miss out. That’s because in July they will lose the entitlement to claim any unused superannuation tax concessions from 2019-20, known as the concessional cap. The concessional cap is the total annual amount that can be contributed into super by a person’s employer, through salary sacrifice or claimed as a tax deduction, before the person is charged at the ordinary taxable rate. In other words, for most Australians there is a gap between what they or their employer contribute each year and the total amount they could contribute, taking advantage of tax concessions. In 2019-20, that capped amount was $25,000, and unless people were making or receiving contributions above the superannuation guarantee, they would have needed to earn about $260,000 to hit the cap. If they didn’t, there may still be ‘available’ cap that has built up over the last five years and can be used to access the 15% tax rate on earnings — until July 1, when the cap expires. While this sounds technical, reviewing past superannuation contributions and checking to see that caps have been maxed out is one of the easiest ways to achieve a tax deduction. Of course, there are a few aspects to this strategy that bear consideration. The concession cap system is a use it or lose it play. Any gap between contributions and cap will expire after five years, so this is the last chance to retrospectively boost your superannuation using the 2019-20 cap. That said, as this is the first year we have seen the cap expire, it might have slipped the minds of many. Even if you have maxed out the cap for that year, you should take the opportunity to look at more recent years as well to see if you have been carrying forward an available pool of tax concessions. The second thing to note is that the vast majority of Australians will have a tax cap opportunity available. For anyone on an average salary, the cap gap can grow by $10,000 or more each year, unless additional contributions are made through salary sacrifice or as a tax deduction. The concession is also available for those who might have stopped work to have children or who are reducing their workload approaching retirement. Check with your accountant or your super fund — you might have tens of thousands of dollars in tax concessions available for use. Thirdly, consider your timing. If you know you will have tax capacity in coming years, try to time your use for those years where you have a significant tax event, such as realising capital gains. This can reduce your tax liability without disrupting your other plans. In this case, seeking strategic advice is extremely important to determine the optimal outcome for your circumstances. And finally, recognise there are exceptions. People whose superannuation balance is already over $500,000 are excluded from taking advantage of the cap rollover, but could still benefit from advice on how they should balance their tax liabilities while maximising their superannuation. Whatever your circumstance, speaking to a qualified, independent advisor is the first step to ensure you are working within the complex rules that govern super and taking best advantage of the tax concessions available. But if there is an opportunity to reduce your tax liability for limited effort, you would be mad not to explore your options. Image credits: Shutterstock

Retirement Income

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

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/samuel-cornell-1418374">Samuel Cornell</a>, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a> Debate erupted this week over the growing number of beach tents, or “cabanas”, proliferating on Australian beaches. The controversy, which <a href="https://www.tiktok.com/@gunclediaries/video/7453200613170564370">began on social media</a>, was fuelled by Prime Minister Anthony Albanese who declared it was “not on” for beachgoers to reserve a spot on the sand by erecting a cabana then leaving it vacant for hours. Albanese <a href="https://www.pm.gov.au/media/television-interview-today-show-19">told</a> Nine’s Today show “everyone owns the beach” and staking a claim on the sand was “a breach of that principle, really”. Other critics deem beach cabanas an eyesore. And lifeguards say <a href="https://www.abc.net.au/news/2023-01-21/busy-beaches-noosa-cabana-craze-surf-lifesavers/101875660">the structures can</a> obscure their view of the water, which poses a safety risk. Beach cabanas do, however, serve <a href="https://www.sciencedirect.com/science/article/pii/S0190962208007330?via%3Dihub">a valid purpose</a>. They provide some <a href="https://theconversation.com/i-cant-get-sunburnt-through-glass-shade-or-in-water-right-5-common-sunburn-myths-busted-150640">protection against the sun’s harmful ultraviolet rays</a> and, from a recreational perspective, can enable people to spend longer at the beach on hot days than they might have otherwise. I’m a member of the University of NSW <a href="https://www.beachsafetyresearch.com">Beach Safety Research Group</a>, and I’ve worked with local councils and national parks to address health and safety issues on beaches. So let’s look at how to strike the right balance between personal convenience and public safety when using a cabana. <figure><iframe src="https://www.youtube.com/embed/U4W_2ti5QUk?wmode=transparent&start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe></figure> <h2>A fair go for all?</h2> In years past, Aussies came to the beach with a towel and maybe a book, stayed a little while then left. But more recently, the use of beach tents and cabanas has grown. It’s likely the result of Australia’s <a href="https://soe.dcceew.gov.au/coasts/pressures/population">growing coastal population</a>, and a rising awareness of the dangers posed by sun exposure. These days, it’s not uncommon to visit a popular beach in summer and find a village of cabanas stretching as far as the eye can see. It’s great to see so many people using the beach. Beaches and oceans are <a href="https://www.sciencedirect.com/science/article/pii/S0013935120310665">health-giving places</a>, though they come with inherent dangers. And of course, in Australia the beach is free for all who wish to use it. It’s an approach in line with our <a href="https://www.theguardian.com/commentisfree/2020/oct/12/even-without-private-clubs-the-egalitarian-australian-beach-is-a-national-myth">supposedly egalitarian culture</a>, in which everyone gets a “fair go”. Here, beaches are a place to be shared, no matter what your income or social status. The approach contrasts to many destinations in Europe, the United States and elsewhere, where large sections of beaches are reserved for private use. At Waikiki beach in Honolulu, for example, people <a href="https://www.waikikibeachservices.com/royal-hawaiian/beach-umbrella-chair-rental/">pay US$100 or more</a> to hire an umbrella and chairs, and a place on the sand for the day. To some naysayers, cabana use in Australia <a href="https://www.theguardian.com/australia-news/2025/jan/07/everyone-owns-the-beach-prime-minister-anthony-albanese-weighs-in-cabana-debate">challenges the notion</a> that the beach is for everyone. They question whether people should be allowed to mark out beach territory no-one else can use. That’s why in 2020, a bid by a private company to introduce paid cabanas on Sydney’s Bondi Beach <a href="https://www.9news.com.au/national/bondi-beach-petition-to-open-paid-cabanas-on-sand-amalfi-beach-club/ef1ddae5-e24e-4dd8-810d-f0d9ba5c2971">prompted a public outcry</a>. Cabanas bring practical challenges, too. They represent an unplanned influx of temporary infrastructure into busy public spaces. Left unchecked, they could cause pedestrian congestion and become a flashpoint for disagreement between beachgoers. The current debate may prompt Australian beach authorities to consider bringing in cabana regulation, similar to what’s in place for <a href="https://www.smh.com.au/national/nsw/does-sydney-need-us-style-cabana-ban-to-curb-beach-spreading-20230202-p5chgi.html">some beaches in the US</a>. In the meantime, here are five tips for safe and fair use of beach cabanas: 1. Placement: Erect your cabana at the back of the beach and away from lifeguard towers or lifesaver tents to avoid obstructing lifeguards’ views. Clear sightlines to the water are essential for ensuring timely emergency responses. This positioning also leaves space closer to the water for other beachgoers, including children playing at the water’s edge. 2. Tying down: Secure your cabana firmly in the sand to prevent it from being blown away by strong winds. Flying cabanas are a danger to other beach users, potentially causing injuries and damage to property. 3. Spacing: Avoid overcrowding by maintaining two to three meters between structures. This ensures free movement and accessibility for all beachgoers, and ensures families and groups can enjoy the beach without feeling cramped. Also, stay within the boundaries of your cabana and don’t claim territory outside its boundaries. 4. Emergency access: Keep pathways and access points clear at all times. This is crucial for lifeguard vehicles, ambulances and surf rescue teams. Unobstructed access can make the difference between life and death in an emergency. 5. Common sense: As with using any shared space, consider the needs of others and apply common sense. How would you feel if someone set up a structure right in front of you, blocking your view of the waves or ruining your vibe? Or if you or a loved one needed medical attention on a beach, would you want an ambulance crew obstructed by an unbroken line of tents? <h2>Looking ahead</h2> In the past, some have called for <a href="https://au.news.yahoo.com/calls-grow-to-ban-cabanas-on-aussie-beaches-get-out-and-leave-051701259.html">a ban on beach cabanas</a>. But the structures appear here to stay – and that’s not a bad thing. Skin cancer <a href="https://www.aihw.gov.au/reports/cancer/cancer-in-adolescents-and-young-adults-in-australi/contents/summary">affects more young Australians</a> than any other cancer, and the Cancer Council <a href="https://www.abc.net.au/news/2023-01-26/cancer-council-beach-cabanas-skin-cancer-rate-highest-in-qld/101887320">applauds the use of cabanas</a>. It’s important to note, however, that cabanas do not <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC3873510/">provide complete protection from UV rays</a>. If you’re at the beach all day, <a href="https://theconversation.com/do-beach-cabanas-actually-protect-you-from-the-sun-199102">you might still get too much sun</a> even under a tent. When it comes to your next visit to the coast, by all means pack your cabana. But make sure you use it carefully and responsibly, so everyone’s day at the beach is safe and enjoyable.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/246882/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/samuel-cornell-1418374">Samuel Cornell</a>, PhD Candidate, UNSW Beach Safety Research Group + School of Population Health, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/cabana-drama-5-expert-tips-on-how-not-to-be-branded-a-twit-when-using-a-beach-tent-246882">original article</a>. </div>

Travel Tips

How do mosquito repellents work? A chemistry expert explains

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/daniel-eldridge-1494633">Daniel Eldridge</a>, <a href="https://theconversation.com/institutions/swinburne-university-of-technology-767">Swinburne University of Technology</a> It’s summertime, and for many of us that means plenty of time outside – and, unfortunately, mosquitoes. The combination of the <a href="https://theconversation.com/why-your-summer-might-be-full-of-mosquitoes-according-to-a-scientist-98369">increase in temperature and plenty of water</a> is ideal for these blood-sucking insects to make their presence felt. In the best-case scenario, they are a pest, delivering a highly unpleasant sting. At the other end of the spectrum, they are vectors for diseases responsible for <a href="https://www.cdc.gov/global-health/impact/fighting-the-worlds-deadliest-animal.html">more human fatalities than any other animal on Earth</a>. To keep them at bay, many of us will reach for the bottle of insect repellent or citronella candles in order to avoid the bite and incessant itching that comes with it. But how do these repellents actually work? <h2>A complex interplay</h2> <a href="https://www.mcgill.ca/oss/article/health-technology/why-mosquitos-bite-you-and-how-make-them-stop">A great deal</a> of research has gone into understanding how and why female mosquitoes – they are the ones that bite us – are attracted to people. There is evidence showing they are attracted to the <a href="https://www.nih.gov/news-events/nih-research-matters/how-mosquitoes-detect-people">carbon dioxide</a> we exhale, lactic acid found in our sweat, and a variety of other <a href="https://pubmed.ncbi.nlm.nih.gov/24315103/">skin odours</a> and <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC6482070/">volatile compounds</a> we give off. The interplay between all these factors is quite <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC8906108/">complex</a>. To ward off mosquitoes, physical barriers such as netting make for the best protection. However, while you might put netting around a backdoor patio and barbecue, doing this for any large space is simply not practical. This is where repellents come in. <h2>DEETerrent</h2> There are a variety of mosquito repellents available. The most tried-and-true products are based on a substance called N,N-diethyl-meta-toluamide, more commonly referred to as DEET. This molecule has been commercially available since 1957, <a href="https://www.usda.gov/media/blog/2018/05/17/protecting-military-flying-foes">after the United States military discovered</a> it was an effective insect repellent. DEET is often used as a <a href="https://www.consumerreports.org/health/insect-repellent/how-safe-is-deet-insect-repellent-safety-a4952100929/">point of comparison</a> for <a href="https://www.nejm.org/doi/full/10.1056/NEJMoa011699">studies</a> investigating alternatives. <a href="https://scijournals.onlinelibrary.wiley.com/doi/full/10.1002/ps.5476?casa_token=prUg_pX7fjAAAAAA%3AuEKT5PGXWU1mO4fakwQ9NSEY-0uVYBEz25zWxXjMOp5AxX5UFWENJc1UF_JdsKA45x3sSHpmJSLJSwM">Studies show that</a>, provided they are used according to direction, <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC4041896/">DEET products are safe and effective</a>. For example, it is recommended that when required, <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC9458079/">sunscreen is applied</a> before the repellent. DEET products are not recommended for infants. The exact mechanism by which DEET repels mosquitoes and other insects is <a href="https://www.tandfonline.com/doi/full/10.1080/19336934.2015.1079360#d1e132">still explored</a> <a href="https://link.springer.com/article/10.1007/s13258-020-00991-z">today</a>. Many studies link its success to mosquitoes having receptors that sense the presence of DEET, deterring them from closely approaching our skin. Some investigations suggest that when DEET is detected, it <a href="https://pubmed.ncbi.nlm.nih.gov/18339904/">inhibits mosquitoes’ attraction</a> to us, while others show evidence that mosquitoes “<a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC2518096/pdf/zpq13598.pdf">smell and avoid</a>” DEET. There are also numerous reports demonstrating mosquitoes don’t bite when they <a href="https://www.cell.com/current-biology/pdfExtended/S0960-9822(19)30402-6">land on</a> DEET-treated skin. This is because DEET acts as a contact-based repellent and conveys a chemical message to mosquitoes to leave. <a href="https://www.tandfonline.com/doi/full/10.1080/19336934.2015.1079360">Studies</a> <a href="https://www.cell.com/current-biology/pdfExtended/S0960-9822(19)30402-6">suggest</a> that DEET likely works through a combination of the processes described here. <h2>Effective alternatives</h2> Another more recent family of mosquito repellent products rely on an active ingredient called picaridin (or icaridin). The current consensus is that picaridin products are safe, and highly effective. For many, they are considered appealing as they <a href="https://www.sciencedirect.com/science/article/pii/S0190962207014673?casa_token=zzPMhkW9QtIAAAAA:Euk6hjWnuiem6OAq020Xv0Pu70K7LfN_siLGcK1DIyOZn-mbH7U9tKK115rAK0rYbWQ2oaMGfg#bib49">don’t have as strong a scent</a> as DEET. Picaridin products have been reported to be <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC4270489/">equally effective</a> as DEET, or in some cases, even <a href="https://academic.oup.com/jtm/article/25/suppl_1/S10/4990399">slightly superior</a>, though the outcome depends on their concentration too. The other repellent regularly reported as being effective is para-menthane-3,8-diol (PMD). This is produced by chemical treatment of <a href="https://www.phrp.com.au/issues/december-2016-volume-26-issue-5/a-review-of-recommendations-on-the-safe-and-effective-use-of-topical-mosquito-repellents/">oil of lemon eucalyptus</a>. Untreated, this oil isn’t effective at repelling mosquitoes. However, <a href="https://onlinelibrary.wiley.com/doi/10.1002/(SICI)1099-1573(199606)10:4%3C313::AID-PTR854%3E3.0.CO;2-O">several</a> <a href="https://journals.sagepub.com/doi/full/10.1016/j.wem.2015.11.007">studies</a> have shown that PMD is an effective mosquito repellent. The ability of these repellents to deter mosquitoes is <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC4270489/">dose</a> <a href="https://academic.oup.com/jtm/article/25/suppl_1/S10/4990399">dependent</a>. In all cases, it’s important that an appropriate dose is applied, with re-application sometimes required to keep protection to a maximum. The performance of these products varies according to many other variables too, including <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC4270489/">the species of mosquito</a>. <h2>What about citronella?</h2> Citronella products, including candles and topical formulations, are popular choices for keeping mosquitoes away. However, in systematic testing, these <a href="https://onlinelibrary.wiley.com/doi/10.1155/2015/361021">have been shown</a> to be <a href="https://www.nejm.org/doi/full/10.1056/NEJMoa011699">far less effective</a> than DEET. Studies have also shown that <a href="https://academic.oup.com/jinsectscience/article/17/1/24/2996380?login=false">citronella candles don’t</a> <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC4617422/">fend off mosquitoes</a> <a href="https://pubmed.ncbi.nlm.nih.gov/8827606/">as much</a> as you might like. There are many other repellent products on the market. Given the widespread interest in preventing mosquito bites, natural remedies abound. It’s important to recognise that natural <a href="https://academic.oup.com/jinsectscience/article/17/1/24/2996380?login=false">isn’t necessarily more effective</a> and it <a href="https://theconversation.com/what-does-a-chemical-do-addressing-misconceptions-about-chemistry-104085">isn’t necessarily safer</a>. In <a href="https://www.nejm.org/doi/full/10.1056/NEJMoa011699">most reported studies</a>, DEET and picaridin are reported as having the greatest duration of protection (of the order of hours) and greatest effect on the mosquitoes. They are more thoroughly tested than many alternatives. When others are tested, they are often found wanting. One study described sound-based devices as being the repellent equivalent of <a href="https://academic.oup.com/jinsectscience/article/17/1/24/2996380?login=false">snake oil</a>. And although repellent bracelets contain working ingredients, they are largely ineffective in that form. This is because of insufficient concentrations of the active ingredient being “emitted”. When it comes to preventing disease transmission via mosquitoes, the <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC4041896/">benefits</a> of the proven repellents far outweigh the risks.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/244403/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/daniel-eldridge-1494633">Daniel Eldridge</a>, Senior Lecturer in Chemistry, <a href="https://theconversation.com/institutions/swinburne-university-of-technology-767">Swinburne University of Technology</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/how-do-mosquito-repellents-work-a-chemistry-expert-explains-244403">original article</a>. </div>

Body

Expert reveals how to cope with flight anxiety

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

Travel Tips

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

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

Art

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

<div class="theconversation-article-body"> <a href="https://theconversation.com/profiles/kathleen-walsh-218536">Kathleen Walsh</a>, <a href="https://theconversation.com/institutions/university-of-technology-sydney-936">University of Technology Sydney</a> and <a href="https://theconversation.com/profiles/jemma-briscoe-2234812">Jemma Briscoe</a>, <a href="https://theconversation.com/institutions/university-of-technology-sydney-936">University of Technology Sydney</a> About <a href="https://cepar.edu.au/sites/default/files/cepar-research-brief-housing-ageing-australia.pdf">36%</a> of homeowners still have a mortgage when they retire, up from 23% a decade ago. This increase in mortgage debt is due to soaring property prices, <a href="https://www.mlc.com.au/content/dam/mlc/documents/pdf/retirement/retirement-reports-housing-report.pdf">changes in retirement ages</a> and easy access to <a href="https://www.dss.gov.au/our-responsibilities/seniors/benefits-payments/home-equity-access-scheme">drawdown equity loans</a> (where you use your home as security to get a loan, which can be used to fund travel, medical costs and other expenses). So, what are the options for homeowners who carry debt into retirement? <h2>Option 1: keeping the home and the debt</h2> If you keep the family home in retirement, you get to own a property and can still receive the <a href="https://www.dva.gov.au/get-support/financial-support/income-support/what-changes-your-payments/your-property-or-accommodation/how-owning-home-can-affect-pensions-and-payments">age pension</a>. For example: Jackie has a home worth A$2 million with a $200,000 mortgage. She also has $800,000 in superannuation. She is 67 but is not eligible for the age pension because her <a href="https://moneysmart.gov.au/how-super-works/tax-and-super#:%7E:text=If%20you're%20aged%2060%20or%20over%20and%20withdraw%20a,as%20a%20public%20sector%20fund.">assessable assets</a> – her super – is above the $695,500 cut off. If Jackie takes $200,000 from her super and repays the outstanding mortgage debt, she will save on interest and principal repayments for the next ten years. She will also reduce her assessable assets by $200,000. This makes her eligible for a part pension. So while Jackie has less super, she gets to receive a pension and gets all the subsidies associated with being a pensioner. <h2>Option 2: downsizing to clear the debt</h2> Downsizing can extinguish any remaining debt, and can free up money for holidays, restaurants and the good life in retirement. It also enables a move to a more age-friendly home or apartment. And the government does provide a superannuation incentive via the <a href="https://www.ato.gov.au/individuals-and-families/super-for-individuals-and-families/super/growing-and-keeping-track-of-your-super/how-to-save-more-in-your-super/downsizer-super-contributions">downsizing contribution</a>. This allows homeowners over 55 who have lived in their home for more than ten years to make a one-off contribution of $300,000 (singles) and $600,000 (couples) to their super, using money from the sale of their home. But when a person reaches pension age, currently 67, any money in super will be included in <a href="https://www.servicesaustralia.gov.au/deeming?context=22526">the government’s assessment</a> of your financial assets and income. It could mean you don’t qualify for a pension or pensioner subsidies. Of the approximately 2.6 million who receive a part or full the age pension, only <a href="https://www.ato.gov.au/about-ato/research-and-statistics/in-detail/super-statistics/downsizer-super-contributions-data">78,000 people</a> have taken up this initiative. That begs the question if this option really does create a true financial downsizing incentive. Think again of Jackie, the woman with the $2 million home and the $200,000 in mortgage debt. Say she decides to sell her home and move to a smaller house close to family and friends. This will incur about $40,000 in selling and marketing fees, and stamp duty of around $62,000 on her new $1.4 million apartment. Downsizing leaves her with $1.1 million in financial assets (after transaction costs), which means that Jackie is not eligible for the pension. While she’ll be able to fund a comfortable lifestyle, this decision to downsize may not be as attractive as keeping the house. The decision to sell and move has cost her an extra $100,000 in transaction costs and her pension. So, people need to think carefully about downsizing. It can allow people to move closer to children, grandchildren, and the services they need – but these must be balanced against the financial implications. <h2>What about renters?</h2> Paying market rent while on a fixed income can be very hard, so renting is a challenge for retirees. According to the <a href="https://www.abs.gov.au/statistics/people/housing/housing-census/latest-release">2021 census</a>, women aged 55-64 and those over 65 are among the fastest-growing groups experiencing homelessness. The good news is many profit and not-for-profit retirement communities provide rental models and discounted entry contributions to residents with limited means (but there are often waiting lists). Retirement village residents may also be eligible for <a href="https://guides.dss.gov.au/social-security-guide/4/6/4/30">rent assistance</a> depending on their circumstances. Rent assistance is an extra $5,751 per year in social security benefits and provides extra financial support to <a href="https://guides.dss.gov.au/social-security-guide/5/1/7/10">eligible age pension recipients</a>. Retirement communities provide vulnerable older Australians a unique opportunity to move into a community under a leasehold or licence agreement. More than 260,000 senior Australians live in about <a href="https://www.propertycouncil.com.au/media-releases/retirement-living-construction-leads-wary-market">2,500 retirement communities</a> across the country. While a retirement village may not be the first option for many retirees, they can provide affordable accommodation. <h2>Making the best choice</h2> Navigating housing decisions as you approach retirement means balancing financial, emotional, and lifestyle considerations. Homeowners retiring with a mortgage face a choice: keep their home or downsize to alleviate debt. Keeping the home and accessing super to pay the outstanding debt improves cash flow and allows you to keep your biggest asset. Downsizing helps eliminate debt and boosts the super balance, but comes with extra transaction costs (and you may end up with less pension, or none at all). Seeking professional <a href="https://moneysmart.gov.au/financial-advice/choosing-a-financial-adviser">financial advice</a> is crucial, and ensure they are a registered <a href="https://moneysmart.gov.au/financial-advice/financial-advisers-register">financial advisor</a>.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/240679/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/kathleen-walsh-218536">Kathleen Walsh</a>, Professor of Finance, <a href="https://theconversation.com/institutions/university-of-technology-sydney-936">University of Technology Sydney</a> and <a href="https://theconversation.com/profiles/jemma-briscoe-2234812">Jemma Briscoe</a>, Adjunct lecturer in finance, <a href="https://theconversation.com/institutions/university-of-technology-sydney-936">University of Technology Sydney</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/retiring-with-debt-experts-explain-downsizing-using-super-for-your-mortgage-and-pension-eligibility-240679">original article</a>. </div>

Retirement Income

Etiquette experts reveals top wedding guest faux pas

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

Relationships

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

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

Travel Tips

Airlines cancel flights after volcanic eruptions. An aviation expert explains why that’s a good thing

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/patrick-murray-2027113">Patrick Murray</a>, <a href="https://theconversation.com/institutions/university-of-southern-queensland-1069">University of Southern Queensland</a> At least three airlines <a href="https://www.abc.net.au/news/2024-11-13/flights-to-and-from-bali-cancelled-due-to-volcanic-ash/104593698">cancelled flights between Australia and Bali</a> this week after a volcano eruption in eastern Indonesia spewed a vast plume of volcanic ash into the air. But while would-be holiday makers are naturally <a href="https://7news.com.au/sunrise/volcanic-eruption-in-indonesia-forces-airlines-to-cancel-flights-to-bali-stranding-frustrated-passengers-c-16732486">upset</a> at having their plans disrupted, it’s worth remembering it’s not safe to fly planes through volcanic ash. So, how do airlines decide it’s not safe to fly when a volcano erupts? And why is volcanic ash so dangerous for aircraft, anyway? <h2>What does volcanic ash do to a plane?</h2> Volcanic ash particles are very, very abrasive. They can cause permanent damage to windscreens in the aircraft and can even make windscreens look opaque – like someone has gone over them with sandpaper. Imagine getting spectacles and scraping them over and over with sandpaper – that’s what you’d see if you were sitting in the cockpit. Volcanic ash can also clog or damage external sensors, leading to erroneous readings, and can infiltrate an aircraft’s ventilation system. This can affect cabin air quality and lead to potential respiratory issues. But the main issue, in fact, is the impact volcanic ash has on engines. A jet engine works by drawing in air, compressing it, mixing it with fuel and igniting it. This creates high-pressure exhaust gases that are expelled backward, which pushes the engine (and the aircraft) forward. The correct balance of fuel and airflow is crucial. When you disrupt airflow, it can cause the engine to stall. Ash particles that get inside the engines will melt and build up, causing disruption of the airflow. This could cause the engine to “flame out” or stall. Volcanic ash has a lot of silica in it, so when it melts it turns into something similar to glass. It won’t melt unless exposed to very high temperatures – but inside a jet engine, you do get very high temperatures. There was a famous incident in 1982 where a <a href="https://theaviationgeekclub.com/the-story-of-british-airways-flight-9-the-boeing-747-that-lost-all-four-engines-due-to-volcanic-ash-yet-it-landed-safely/">British Airways Boeing 747 plane</a> was flying in the vicinity of Indonesia and lost all four engines after it encountered volcanic ash spewing from Java’s Mount Galunggung. Fortunately, the pilot was able to <a href="https://simpleflying.com/gallunggung-glider-the-story-of-british-airways-flight-9/">restart the engines and land safely</a>, although the pilots were unable to see through the front windscreens. <h2>How do airlines decide it’s not safe to fly when a volcano erupts?</h2> The decision is made by each airline’s operational staff. Each airline’s operational team would be looking at the situation in real time today and making the decision based on their risk assessment. Every airline has a process of risk management, which is required by Australia’s Civil Aviation Safety Authority. Different airlines may tackle risk management in slightly different ways; you might have some cancelling flights earlier than others. But, in broad terms, the more sophisticated airlines would come to similar conclusions and they are likely all communicating with each other. Mostly, they make the call based on the extent of the plume – how big the cloud of ash is and where it’s going, bearing in mind that winds vary with altitude. As you get stronger winds with altitude, the ash can drift quite far from the source. There is also a United Nations agency called the <a href="https://www.icao.int/Pages/default.aspx">International Civil Aviation Organization</a>, which issues guidance on volcanic ash hazards. Various meteorological agencies around the world work together and liaise with aviation authorities to spread the word quickly if there is an eruption. For airlines to resume flights, the ash needs to clear and there needs to be a low probability of further eruptions. <h2>Passenger safety is the priority</h2> The underpinning reason behind these flight cancellations is safety. If you lose engines and you can’t see out the window, the risk to passenger safety is obvious. Naturally, people are upset about their holiday plans being held up. But it’s actually in passengers’ best interests to not fly through volcanic ash.<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/243576/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/patrick-murray-2027113">Patrick Murray</a>, Emeritus Professor of Aviation, <a href="https://theconversation.com/institutions/university-of-southern-queensland-1069">University of Southern Queensland</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/airlines-cancel-flights-after-volcanic-eruptions-an-aviation-expert-explains-why-thats-a-good-thing-243576">original article</a>. </div>

Travel Trouble

Expert shares best destinations for solo female travellers

At 63 years old, Christina Ford is a seasoned traveller, with most of her travels being done alone. After exploring dozens of countries with just her own company, Ford has shared her tips on where to go and how to stay safe for other women who are contemplating seeing the world by themselves. When asked for her favourite destinations for solo female travellers, Ford told <a href="https://www.dailymail.co.uk/travel/article-13865159/solo-travel-tips-women-best-countries-italy-canada.html">MailOnline</a> that there are two places she will also recommend. She said, “I am a huge fan of Italy and have travelled there extensively. My favourite solo place is Cinque Terre, five ancient fishing villages connected by sea, train or hiking. It's the perfect combination of healthy living, gorgeous vistas and fabulous food.” Christina also recommends her home country of Canada as “great for solo travellers”, explaining, “If you prefer something more urban, Toronto is a fantastic choice. Often described as New York run by the Swiss, it’s a great food town with safe and clean public transit. As a solo traveller, it’s easy to get a single ticket for a Broadway-style show.” “Canada is generally a safe country filled with friendly people who will gladly point you in the right direction - and probably apologise if you get lost. But part of the fun and growth of travelling is allowing yourself to get lost!” Christina went on to emphasise that “safety is crucial” for solo women travellers, and recommended to always carry a phone charger as “you never know where the day could take you” and sharing your live location with a friend or family member can provide peace of mind. She also always pins her hotel's location on Google Maps and advises “using your common sense” around “sketchy areas”, and also recommends not travelling anywhere without travel insurance. After falling in love with travelling solo, Christina wants to share how valuable travelling alone is, and urges women not to be dissuaded by seeing the world if you don’t have a companion. She said, “There are so many fabulous things about travelling solo. You’re on your own schedule, doing what you want to do. Your time is your own, and you can pivot at any moment.” “And you meet new people. Far more than if you were travelling with someone. Plus, you learn how capable you are. I’ve learned more about myself travelling alone than at almost any other time - it’s amazing discovering what great company you are!” Image credits: Instagram

Travel Tips

How do heat protectants for hair work? A chemistry expert explains

<div class="theconversation-article-body"> <a href="https://theconversation.com/profiles/daniel-eldridge-1494633">Daniel Eldridge</a>, <a href="https://theconversation.com/institutions/swinburne-university-of-technology-767">Swinburne University of Technology</a> Heat can do amazing things to change your hairstyle. Whether you’re using a curling wand to get ringlets, a flat iron to straighten or a hair dryer to style, it’s primarily the heat from these tools that delivers results. This comes with casualties. While your hair is surprisingly tolerant to heat compared with many other parts of your body, it can still only withstand so much. Heat treatment hair appliances frequently operate at over 150°C, with some reportedly <a href="https://www.frontiersin.org/journals/bioengineering-and-biotechnology/articles/10.3389/fbioe.2019.00298/full#B13">reaching</a> <a href="https://www.researchgate.net/publication/289291195_Thermal_degradation_of_hair_I_Effect_of_curling_irons">over 200°C</a>. At these temperatures, your hair can end up fried. Many people use heat protectants, often in the form of sprays, to minimise the damage. So how do these protectants work? To answer that, I first have to explain exactly what heat does to your tresses on the molecular level. <h2>What heat does to your hair</h2> A large proportion of your hair is made up of proteins. There are attractive forces between these proteins, known as hydrogen bonds. These bonds play a big role in dictating the shape of your locks. When you heat up your hair, the total attraction of these hydrogen bonds become weaker, allowing you to more easily re-shape your hair. Then, when it cools back down, these attractions between the proteins are re-established, helping your hair hold its new look until the proteins rediscover their normal structure. The cuticle – the outermost protective layer of your hair – contains overlapping layers of cells that lose integrity when they’re heated, damaging this outer protective layer. Inside that outer layer is the cortex, which is rich in a protein called keratin. Many proteins don’t <a href="https://pubmed.ncbi.nlm.nih.gov/21635854/">hold up structurally</a> after intense heating. Think of cooking an egg – the change you see is a result of the heat altering the proteins in that egg, unravelling them into different shapes and sizes. It’s a <a href="https://library.scconline.org/v049n04/33">similar story</a> when it comes to heating your hair. The proteins in your hair are also susceptible to heat damage, reducing the overall strength and integrity of the hair. Heat can also affect substances called melanin and <a href="https://pubmed.ncbi.nlm.nih.gov/21443842/">tryptophan</a> in your hair, resulting in a change in pigmentation. Heat-damaged hair is <a href="https://pubmed.ncbi.nlm.nih.gov/21635854/">harder to brush</a>. The damage is even more devastating if you use heat styling tools such as <a href="https://labmuffin.com/why-you-should-never-straighten-or-curl-wet-hair/">curling irons or straighteners</a> to <a href="https://library.scconline.org/v062n01/23">heat wet hair</a>, as at the high treatment temperatures, the water soaked up by the fibres can violently evaporate. The result of this is succinctly described by science educator and cosmetic chemist Michelle Wong, also known as <a href="https://labmuffin.com/how-do-heat-protectant-hair-products-work/">Lab Muffin</a>. She notes if you heat wet hair this way, “steam will blast through your hair’s structure”. This steam bubbling or bursting through the hair can <a href="https://pubmed.ncbi.nlm.nih.gov/21443842/">cause substantial damage</a>. It’s worth noting hair dryers don’t concentrate heat in the same way as styling tools such as flat irons or curling wands, but you still need to move the hair dryer around constantly to avoid heat building up in one spot and causing damage. Once heat damage is done, regardless of whether it is severe or mild, the best remaining options are symptom management or a haircut. For all of these reasons, when you’re planning to heat treat your hair, protection is a good idea. <h2>How hair protectants work</h2> When you spray on a hair protectant, many possible key ingredients can go to work. They can have <a href="https://library.scconline.org/v062n01/15">daunting-looking names</a> like polyvinyl pyrrolidone, methacrylates, polyquaterniums, silicones and more. These materials are chosen because they readily stick onto your hair, creating a coating, a bit like this: <figure class="align-center zoomable"><a href="https://images.theconversation.com/files/615002/original/file-20240822-16-beyt90.jpg?ixlib=rb-4.1.0&q=45&auto=format&w=1000&fit=clip"><img src="https://images.theconversation.com/files/615002/original/file-20240822-16-beyt90.jpg?ixlib=rb-4.1.0&q=45&auto=format&w=754&fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/615002/original/file-20240822-16-beyt90.jpg?ixlib=rb-4.1.0&q=45&auto=format&w=600&h=225&fit=crop&dpr=1 600w, https://images.theconversation.com/files/615002/original/file-20240822-16-beyt90.jpg?ixlib=rb-4.1.0&q=30&auto=format&w=600&h=225&fit=crop&dpr=2 1200w, https://images.theconversation.com/files/615002/original/file-20240822-16-beyt90.jpg?ixlib=rb-4.1.0&q=15&auto=format&w=600&h=225&fit=crop&dpr=3 1800w, https://images.theconversation.com/files/615002/original/file-20240822-16-beyt90.jpg?ixlib=rb-4.1.0&q=45&auto=format&w=754&h=283&fit=crop&dpr=1 754w, https://images.theconversation.com/files/615002/original/file-20240822-16-beyt90.jpg?ixlib=rb-4.1.0&q=30&auto=format&w=754&h=283&fit=crop&dpr=2 1508w, https://images.theconversation.com/files/615002/original/file-20240822-16-beyt90.jpg?ixlib=rb-4.1.0&q=15&auto=format&w=754&h=283&fit=crop&dpr=3 2262w" alt="A cartoon of coating attached to a strand of hair." /></a><figcaption>Hair protectant applies a coating to your hair. Author provided</figcaption></figure> This coating is a protective layer; it’s like putting an oven mitt on your hands before you handle a hot tray from the oven. To demonstrate, I created these by examining hair under a microscope before and after heat protectant was applied: <figure class="align-center zoomable"><a href="https://images.theconversation.com/files/615001/original/file-20240822-16-s2ufqy.jpg?ixlib=rb-4.1.0&q=45&auto=format&w=1000&fit=clip"><img src="https://images.theconversation.com/files/615001/original/file-20240822-16-s2ufqy.jpg?ixlib=rb-4.1.0&q=45&auto=format&w=754&fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/615001/original/file-20240822-16-s2ufqy.jpg?ixlib=rb-4.1.0&q=45&auto=format&w=600&h=293&fit=crop&dpr=1 600w, https://images.theconversation.com/files/615001/original/file-20240822-16-s2ufqy.jpg?ixlib=rb-4.1.0&q=30&auto=format&w=600&h=293&fit=crop&dpr=2 1200w, https://images.theconversation.com/files/615001/original/file-20240822-16-s2ufqy.jpg?ixlib=rb-4.1.0&q=15&auto=format&w=600&h=293&fit=crop&dpr=3 1800w, https://images.theconversation.com/files/615001/original/file-20240822-16-s2ufqy.jpg?ixlib=rb-4.1.0&q=45&auto=format&w=754&h=369&fit=crop&dpr=1 754w, https://images.theconversation.com/files/615001/original/file-20240822-16-s2ufqy.jpg?ixlib=rb-4.1.0&q=30&auto=format&w=754&h=369&fit=crop&dpr=2 1508w, https://images.theconversation.com/files/615001/original/file-20240822-16-s2ufqy.jpg?ixlib=rb-4.1.0&q=15&auto=format&w=754&h=369&fit=crop&dpr=3 2262w" alt="These high magnification images of untreated hair, and hair sprayed with a heat treatment spray, show what a difference it can make." /></a><figcaption>These high magnification images of untreated hair, and hair sprayed with a heat treatment spray, show how the product coats your hair strands. Author provided</figcaption></figure> Just like an oven mitt, a hair protectant delays the heat penetration, results in less heat getting through, and helps spread out the effect of the heat, a bit like in this image: <figure class="align-center zoomable"><a href="https://images.theconversation.com/files/615003/original/file-20240822-16-tf7xsj.jpg?ixlib=rb-4.1.0&q=45&auto=format&w=1000&fit=clip"><img src="https://images.theconversation.com/files/615003/original/file-20240822-16-tf7xsj.jpg?ixlib=rb-4.1.0&q=45&auto=format&w=754&fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/615003/original/file-20240822-16-tf7xsj.jpg?ixlib=rb-4.1.0&q=45&auto=format&w=600&h=233&fit=crop&dpr=1 600w, https://images.theconversation.com/files/615003/original/file-20240822-16-tf7xsj.jpg?ixlib=rb-4.1.0&q=30&auto=format&w=600&h=233&fit=crop&dpr=2 1200w, https://images.theconversation.com/files/615003/original/file-20240822-16-tf7xsj.jpg?ixlib=rb-4.1.0&q=15&auto=format&w=600&h=233&fit=crop&dpr=3 1800w, https://images.theconversation.com/files/615003/original/file-20240822-16-tf7xsj.jpg?ixlib=rb-4.1.0&q=45&auto=format&w=754&h=293&fit=crop&dpr=1 754w, https://images.theconversation.com/files/615003/original/file-20240822-16-tf7xsj.jpg?ixlib=rb-4.1.0&q=30&auto=format&w=754&h=293&fit=crop&dpr=2 1508w, https://images.theconversation.com/files/615003/original/file-20240822-16-tf7xsj.jpg?ixlib=rb-4.1.0&q=15&auto=format&w=754&h=293&fit=crop&dpr=3 2262w" alt="Cartoon demonstrating the difference between heating unprotected and protected hair" /></a><figcaption>Hair protectant can help spread out the effects of the heat. Author provided</figcaption></figure> <a href="https://library.scconline.org/v049n04/33">This helps</a> prevent moisture loss and damage to both the protective surface cell layer (the cuticle) and the protein structure of the hair cortex. For these barriers to work at their best, these heat-protecting layers need to remain bound to your hair. In other words, they stick on really well. For this reason, continued use can sometimes cause a <a href="https://link.springer.com/article/10.1007/s12221-010-0507-9">buildup</a> which can change the feel and weight of your hair. This buildup is not permanent and can be removed with washing. One final and important note: just like when you use a mitt for the oven, heat does still get through. The only way to prevent heat damage to your hair altogether is to not use heated styling tools.<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/233206/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/daniel-eldridge-1494633">Daniel Eldridge</a>, Senior Lecturer in Chemistry, <a href="https://theconversation.com/institutions/swinburne-university-of-technology-767">Swinburne University of Technology</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/how-do-heat-protectants-for-hair-work-a-chemistry-expert-explains-233206">original article</a>. </div>

Beauty & Style

China expert reveals new theory on why man scalded baby in park

An expert on Chinese social issues has shed new light on the potential motive behind the attack on a baby in a Brisbane park. In August, nine-month-old Luka was enjoying Hanlon Park with his mother when the man poured boiling hot coffee on the infant before fleeing the scene. Police identified the attacker as a 33-year-old man from China, who travelled to his home country after the attack, evading capture by police. As many hypothesise about the <a href="https://oversixty.com.au/health/caring/alleged-motive-of-man-who-scalded-baby-revealed" target="_blank" rel="noopener">motive</a> behind the attack, Will Sterzel, a prominent critic of the Chinese Communist Party (CCP), said the attack follows a trend of similar attacks in China. Sterzel, who lived in China for 14 years but left for America after the CCP criticised his vocalness over his frustration with the government, explained that the man's attack on baby Luka is reflective of his own social life and displeasure with state bureaucracy. "When his latest application for a visa was rejected, he did what so many in China do: lashed out and took revenge on society by attacking a child," Mr Sterzel said. "He even said to his friend that he wanted to take revenge on white people." According to Mr Sterzel, the phenomenon reflects a deep-seated frustration that some Chinese nationals feel about the living conditions under the ruling Communist Party. "What it boils down to at the root of it all is injustice," Mr Sterzel claimed. He went on to explain that China lacks government support - such as mental health services, public funds or charities - for those in situations of misfortune, prompting many people to lash out. "When you're down on your luck the government will not help you in China, there are no social programs and if your family isn't willing to float you you're done for," Mr Sterzel said. "There simply are no mental health facilities or systems in place to deal with mental health. So, when people snap and are at wit's end they have no recourse, they're not allowed to blame the government, they cannot strike or protest or petition or take action." "They have nowhere to turn and so they selfishly lash out at society trying to inflict as much damage as possible and in China children are the most precious and important part of society." Mr Sterzel explained that children in China are faced with a lot of responsibility, and are often forced to be providers for their entire family. "All that the entire family's future rides on how good a job the child gets," Mr Sterzel said. "So, by attacking and murdering young children these disgruntled cowards inflict huge damage to society disrupting the plans and livelihoods of multiple generations. The grandparents can no longer retire, the parents' lives are destroyed and China's already shrinking demographics get smaller." "They have inflicted maximum damage to society." Mr Sterzel stressed that "revenge against society" attacks were not cultural tradition, adding, "This is a problem that's continuing to grow in China and unfortunately get exported abroad." Image credits: Queensland Police / 9News

Legal

Travel experts share their go-to hacks to transform your holiday

A group of travel experts have shared their holy grail hacks to transform your next holiday. From the best days to book your flights, to how to score an upgrade at a hotel, these seasoned travellers told the <a href="https://www.dailymail.co.uk/travel/article-13772593/Twenty-one-travel-hacks-transform-holiday-trick-getting-hotel-upgrade-cheapest-days-book-flights-expert-advice-Mails-experts.html">Mail Online</a> how to get the most out of your next trip. Pay in the local currency When you make a transaction via card in a foreign country, EFTPOS machines will often prompt you if you want to pay in your home currency or the local currency. By opting for the local currency, you can avoid potentially unfavourable currency conversions made by retailers, as the transaction will be made according to the standard daily rates set by Visa or MasterCard. Likewise, if withdrawing currency from a foreign ATM, always select the local currency to avoid paying the Dynamic Currency Conversion (DCC), which is effectively a way to squeeze more cash out of unwitting customers. Book a midweek flight Travellers are usually keen to book flights between Thursday and Monday to line up with the beginning and end of the week. However, flights booked midweek, especially from Monday to Wednesday, are consistently around 20-30 per cent less than at the weekend. Connect with an eSim card To avoid extortionate overseas data roaming charges, those travelling abroad should invest in an eSim card to keep using your phone on holiday. An eSim is cheaper and less hassle than dealing with buying an international physical Sim card, and can be changed for the best fees depending on regions. Book your hotel direct Many travellers opt to book their accommodation through a third-party after being enticed by deals, book now pay later schemes, or the abundance of options. However the Daily Mail’s Inspector hotel reviewer says “it almost always pays” to call and say you have seen a price that is lower than on the hotel’s website elsewhere. “Quite often you will get a lower rate, or an upgrade or a complimentary bottle in your room or a voucher for a drink at the bar,” the reporter says. By calling the hotel and asking them to match a price found on a third party site, you can often score the lower price, and even a better room. Never use airport currency exchange booths Currency exchange booths at airports are notorious for jacking up their conversion fees, meaning unsuspecting travellers can pay more to get their own money. It’s best not to leave cash conversion until the last minute. In the weeks before your trip, shop around at other exchange offices to ensure you’re getting the best rate on your own cash. Image credits: Shutterstock

Travel Tips

40°C in August? A climate expert explains why Australia is ridiculously hot right now

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/andrew-king-103126">Andrew King</a>, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a> It’s winter in Australia, but as you’ve probably noticed, the weather is unusually warm. The top temperatures over large parts of the country this weekend were well above average for this time of year. The outback town of Oodnadatta in South Australia recorded 38.5°C on Friday and 39.4°C on Saturday – about 16°C above average. Both days were well above the state’s previous winter temperature record. In large parts of Australia, the heat is expected to persist into the coming week. A high pressure system is bringing this unusual heat – and it’s hanging around. So temperature records have already fallen and may continue to be broken for some towns in the next few days. It’s no secret the world is warming. In fact, 2024 is shaping up to be <a href="https://www.carbonbrief.org/state-of-the-climate-2024-now-very-likely-to-be-warmest-year-on-record/">the hottest year on record</a>. Climate change is upon us. Historical averages are becoming just that: a thing of the past. That’s why this winter heat is concerning. The warming trend will continue for at least as long as we keep burning fossil fuels and polluting the atmosphere. Remember, this is only August. The heatwaves of spring and summer are only going to be hotter. <figure><iframe src="https://www.youtube.com/embed/GmhMKjxEGQo?wmode=transparent&start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe><figcaption>Widespread heat forecast for Australia in August, 2024 (Bureau of Meteorology)</figcaption></figure> <h2>Records broken across Australia</h2> The Bureau of Meteorology was expecting many records to be broken over the weekend across several states. On Thursday, bureau meteorologist Angus Hines described: <blockquote> A scorching end to winter, with widespread heat around the country in coming days, including the chance of winter records across multiple states for maximum temperature. </blockquote> The amount of heat plunging into central Australia was particularly unusual, Hines said. On Friday, temperatures across northern South Australia and southern parts of the Northern Territory were as much as 15°C above average. Temperatures continued to soar across northern parts of Western Australia over the weekend, with over 40°C recorded at Fitzroy Crossing on Sunday. It has been 2–12°C above average from Townsville all the way down to Melbourne for several days in a row. <figure class="align-center zoomable"><a href="https://images.theconversation.com/files/615457/original/file-20240825-18-d8f6ho.gif?ixlib=rb-4.1.0&q=45&auto=format&w=1000&fit=clip"><img src="https://images.theconversation.com/files/615457/original/file-20240825-18-d8f6ho.gif?ixlib=rb-4.1.0&q=45&auto=format&w=754&fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/615457/original/file-20240825-18-d8f6ho.gif?ixlib=rb-4.1.0&q=45&auto=format&w=600&h=412&fit=crop&dpr=1 600w, https://images.theconversation.com/files/615457/original/file-20240825-18-d8f6ho.gif?ixlib=rb-4.1.0&q=30&auto=format&w=600&h=412&fit=crop&dpr=2 1200w, https://images.theconversation.com/files/615457/original/file-20240825-18-d8f6ho.gif?ixlib=rb-4.1.0&q=15&auto=format&w=600&h=412&fit=crop&dpr=3 1800w, https://images.theconversation.com/files/615457/original/file-20240825-18-d8f6ho.gif?ixlib=rb-4.1.0&q=45&auto=format&w=754&h=518&fit=crop&dpr=1 754w, https://images.theconversation.com/files/615457/original/file-20240825-18-d8f6ho.gif?ixlib=rb-4.1.0&q=30&auto=format&w=754&h=518&fit=crop&dpr=2 1508w, https://images.theconversation.com/files/615457/original/file-20240825-18-d8f6ho.gif?ixlib=rb-4.1.0&q=15&auto=format&w=754&h=518&fit=crop&dpr=3 2262w" alt="Animated maximum temperature anomaly map showing heat building across central Australia" /></a><figcaption>Maximum temperature anomalies from August 19-24, showing heat building across Australia. Bureau of Meteorology, <a class="license" href="http://creativecommons.org/licenses/by/4.0/">CC BY</a></figcaption></figure> Bear in mind, it’s only August. As Hines said, the fire weather season hasn’t yet hit most of Australia – but the current conditions – hot, dry and sometimes windy – are bringing moderate to high fire danger across Australia. It may also bring dusty conditions to central Australia. And for latitudes north of Sydney and Perth, most of the coming week will be warm. <h2>What’s causing the winter warmth?</h2> <a href="http://www.bom.gov.au/australia/charts/synoptic_col.shtml">In recent days</a> a stubborn high pressure system has sat over eastern Australia and the Tasman Sea. It has kept skies clear over much of the continent and brought northerly winds over many areas, transporting warm air to the south. High pressure promotes warm weather – both through clearer skies that bring more sunshine, and by promoting the descent of air which <a href="https://media.bom.gov.au/social/blog/2544/explainer-what-influences-air-temperature/">causes heating</a>. By late August, both the intensity of the sun and the length of the day has increased. So the centre of Australia can really warm up when under the right conditions. High pressure in June can be associated with cooler conditions, because more heat is lost from the surface during those long winter nights. But that’s already less of an issue by late August. This kind of weather setup has occurred in the past. Late-winter or early-spring heat does sometimes occur in Australia. However, this warm spell is exceptional, as highlighted by the broken temperature records across the country. <figure class="align-center zoomable"><a href="https://images.theconversation.com/files/615284/original/file-20240823-20-1mu7h0.png?ixlib=rb-4.1.0&q=45&auto=format&w=1000&fit=clip"><img src="https://images.theconversation.com/files/615284/original/file-20240823-20-1mu7h0.png?ixlib=rb-4.1.0&q=45&auto=format&w=754&fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/615284/original/file-20240823-20-1mu7h0.png?ixlib=rb-4.1.0&q=45&auto=format&w=600&h=450&fit=crop&dpr=1 600w, https://images.theconversation.com/files/615284/original/file-20240823-20-1mu7h0.png?ixlib=rb-4.1.0&q=30&auto=format&w=600&h=450&fit=crop&dpr=2 1200w, https://images.theconversation.com/files/615284/original/file-20240823-20-1mu7h0.png?ixlib=rb-4.1.0&q=15&auto=format&w=600&h=450&fit=crop&dpr=3 1800w, https://images.theconversation.com/files/615284/original/file-20240823-20-1mu7h0.png?ixlib=rb-4.1.0&q=45&auto=format&w=754&h=566&fit=crop&dpr=1 754w, https://images.theconversation.com/files/615284/original/file-20240823-20-1mu7h0.png?ixlib=rb-4.1.0&q=30&auto=format&w=754&h=566&fit=crop&dpr=2 1508w, https://images.theconversation.com/files/615284/original/file-20240823-20-1mu7h0.png?ixlib=rb-4.1.0&q=15&auto=format&w=754&h=566&fit=crop&dpr=3 2262w" alt="Graph of August Australian-average temperatures increasing since 1910" /></a><figcaption>August temperatures have been rising over the past century. Bureau of Meteorology</figcaption></figure> <h2>Feeling the heat</h2> The consequences of humanity’s continued greenhouse gas emissions are clear. Australia’s winters are getting warmer overall. And winter “heatwaves” are becoming warmer. Australia’s three warmest Augusts on record have all occurred since 2000 – and <a href="https://theconversation.com/why-is-australia-having-such-a-warm-winter-a-climate-expert-explains-210693">last August was the second-warmest since 1910</a>. When the right weather conditions occur for winter warmth across Australia, the temperatures are higher than a century ago. The warmth we are experiencing now comes off the back of <a href="https://theconversation.com/earth-has-just-ended-a-13-month-streak-of-record-heat-heres-what-to-expect-next-236655">a recent run of global temperature records</a> and <a href="https://theconversation.com/extreme-heat-is-breaking-global-records-why-this-isnt-just-summer-and-what-climate-change-has-to-do-with-it-234249">extreme heat events across the Northern Hemisphere</a>. This warm spell is set to continue, with temperatures above 30°C forecast from Wednesday through to Sunday in Brisbane. The outlook for spring points to continued <a href="http://www.bom.gov.au/climate/outlooks/#/temperature/maximum/median/seasonal/0">above-normal temperatures</a> across the continent, but as always we will likely see both warm and cold spells at times. Such winter warmth is exceptional and already breaking records. Climate change is already increasing the frequency and intensity of this kind of winter heat – and future warm spells will be hotter still, if humanity’s greenhouse gas emissions continue.<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/237398/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/andrew-king-103126">Andrew King</a>, Senior Lecturer in Climate Science, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/40-c-in-august-a-climate-expert-explains-why-australia-is-ridiculously-hot-right-now-237398">original article</a>. </div>

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