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The psychology of retirement: why do so many athletes struggle to call time?

<div class="theconversation-article-body"> <p><em><a href="https://theconversation.com/profiles/sarah-tillott-1462234">Sarah Tillott</a>, <a href="https://theconversation.com/institutions/southern-cross-university-1160">Southern Cross University</a> and <a href="https://theconversation.com/profiles/diarmuid-hurley-1462235">Diarmuid Hurley</a>, <a href="https://theconversation.com/institutions/southern-cross-university-1160">Southern Cross University</a></em></p> <p>Think back to when you met someone for the first time. One of the first questions you asked, or were asked, was likely: “what do you do for work?”</p> <p>It’s a polite, innocuous and socially ingrained way of getting to know more about a person. But it also demonstrates the central role of our professional lives as part of our personal identities.</p> <p>For professional athletes, their careers, exploits and recognition can become the defining aspect of their identity.</p> <p>So what happens when sporting careers end?</p> <p>The transition to retirement, across professions and countries, can be extremely tough to navigate.</p> <p>It can be especially difficult for elite sportspeople, who can experience retirement as a <a href="https://www.sciencedirect.com/science/article/pii/S1469029221001679?casa_token=L4g3UTN8T78AAAAA:VHqcgJN7jIpW82cp32TXq9gIcKFzD2jtf6Jc_OX-3fjpHVnowlp0p8fcqE01BVF3Qjx0bmiRz4T1">loss of identity</a>, connected to their sense of achievement, meaning and control in life.</p> <h2>How retirement impacts athletes</h2> <p>A common saying with many sportspeople is “<a href="https://www.forbes.com/sites/jannfreed/2024/06/29/athletes-die-twice-retirement-as-a-death/">athletes die twice</a>” – once when they retire and again at their death.</p> <p>Former Wallaby Brendan Cannon <a href="https://www.impact.acu.edu.au/lifestyle/after-the-final-siren-helping-athletes-to-adapt-to-life-after-sport">has spoken of</a> this difficulty:</p> <blockquote> <p>[People] want to talk to you about what you used to be, and all you want to focus on is what you want to become.</p> </blockquote> <p>During the transition to retirement, elite athletes can be affected by how they got into their chosen sport, how long they stayed in the system and the variables that either accelerated or ended their careers.</p> <p>Other factors include whether they played a team or individual sport, male vs female pathways, whether their exit from sport was voluntary or involuntary and their age when retiring.</p> <p>My (Sarah) interviews with former professional athletes demonstrate the complexity of retiring from elite sport.</p> <p>To the public, William Zillman, former NRL star turned vet, seems to have it all together. But it didn’t come without hardship, pain and struggles in navigating the harsh terrain of retirement.</p> <p>When asked about his retirement, Zillman said: “[Being an NRL player was] all I knew.”</p> <blockquote> <p>I turned up to work each day, I was told what to do, how to do it and when to do it […] but when I left the system, I think I lost the ability to think for myself. I went from having all the help in the world to very little – it was tough.</p> </blockquote> <p>Retiring from high-performance sport can have profound effects on an athlete’s <a href="https://journals.lww.com/acsm-csmr/fulltext/2020/10000/the_psychological_burden_of_retirement_from_sport.11.aspx/1000">physical and mental health</a>, as well as their social and professional development.</p> <p>While “regular people” usually retire in their 60s or 70s, an athlete’s retirement often occurs earlier, coinciding with crucial phases of career development and <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC10513329/">family planning</a>.</p> <p>Some have to adjust from being highly paid and highly managed to surviving on minimum wages with very little support.</p> <p>“It’s a recipe for disaster,” Ryan James, who considers himself one of the lucky ones, said.</p> <p>A former forward for the Gold Coast Titans, James has been working closely with the Rugby League Players Association (RLPA) with the aim to address some of the complex issues with the transition experience.</p> <p>James knows only too well the struggles some people in the system face as their careers begin to wind down:</p> <blockquote> <p>Many of our players come into the system from disadvantaged and vulnerable backgrounds and while we have made a start, there is more we can be doing. Financial literacy and management is just one avenue we need to tackle. I’ve known too many retired, vulnerable players who were homeless, sleeping in cars with their young families. It’s devastating.</p> </blockquote> <p>It took former English captain turned NRL superstar James Graham a good part of 18 months to re-configure his identity:</p> <blockquote> <p>You come out feeling so lost and alone. Most of your life is spent training, connecting with mates, having a lot of routine and structure to almost nothing. It’s strange and confronting.</p> </blockquote> <h2>What are the major codes doing?</h2> <p>Across various sporting codes there are programs that aim to assist athletes to prepare for retirement.</p> <p>For example, <a href="https://www.rlpa.com.au/past-player-and-transition-program">the RLPA has a program</a> to support athletes who are transitioning.</p> <p>Other major professional Australian codes have similar programs, including <a href="https://www.aflplayers.com.au/app/uploads/2021/10/Player-Retirement-Scheme_Booklet_A5_4.pdf">the AFL</a>, <a href="https://www.thepfa.com/players/union-support/pension-scheme">Professional Footballers Association</a> (soccer) and <a href="https://auscricket.com.au/programs-community/past-player-programs/">cricket</a>.</p> <p>However, whether or not athletes choose to participate in these programs is usually at the discretion of the players.</p> <h2>The importance of planning, preparation and support</h2> <p>One of the key factors influencing how an athlete transitions into life after sport is how much they have <a href="https://theconversation.com/its-not-just-retiring-athletes-who-need-mental-health-support-young-sportspeople-need-it-too-230296">prepared for it</a>.</p> <p>Research with elite athletes from <a href="https://elevateaus.com.au/wp-content/uploads/2021/09/The-end-of-a-professional-sport-career-ensuring-a-positive-transition.pdf">the AFL, NRL and A-League</a> shows those who planned and prepared for life after sport and who had goals, direction and identities beyond sport, experienced more acceptance, autonomy (control) and optimism about the future.</p> <p>On the other hand, those who were unprepared or did not plan ahead experienced negative emotional and psychological states, and struggled to move on. This negative effect is even more pronounced for those who were forced to <a href="https://journals.lww.com/acsm-csmr/fulltext/2020/10000/the_psychological_burden_of_retirement_from_sport.11.aspx/1000">end their career due to injury</a>.</p> <hr /> <p><iframe id="lQixA" class="tc-infographic-datawrapper" style="border: 0;" src="https://datawrapper.dwcdn.net/lQixA/" width="100%" height="400px" frameborder="0" scrolling="no"></iframe></p> <hr /> <h2>How to improve the situation</h2> <p>A recent <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC10513329/">scoping review</a> explored the notion of retirement for professional athletes and their ability to adapt to life after sport.</p> <p>It summarised many areas that need more attention:</p> <p><strong>Make athletes aware of what’s ahead</strong></p> <p>Expect that when you leave, it may be hard. Reach out to your club, coach and support services and surround yourself with people who you can talk to and who may be able to help.</p> <p>Athletes should expect that it will take time to adjust, and this adjustment period is crucial for mitigating the adverse effects of retirement. This adjustment period can also significantly reduce the initial negative impacts on their mental and physical health.</p> <p><strong>Tailored support programs</strong></p> <p>Developing tailored support programs that address the specific needs of different sports and athlete sub-groups can help mitigate the challenges associated with retirement.</p> <p>These programs might include career counselling, mental health support and opportunities for continuous involvement in the sports community.</p> <p><strong>A need for further research</strong></p> <p>There is a pressing need for more research to identify effective support mechanisms for retiring athletes. Understanding the types of support that facilitate a smoother transition can help in designing programs and interventions tailored to the unique needs of elite athletes.</p> <p>Additionally, mapping out the factors that aid or hinder the transition across different sports and athlete sub-groups would provide valuable insights.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/234559/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/sarah-tillott-1462234">Sarah Tillott</a>, Senior Lecturer, Faculty of Health, <a href="https://theconversation.com/institutions/southern-cross-university-1160">Southern Cross University</a> and <a href="https://theconversation.com/profiles/diarmuid-hurley-1462235">Diarmuid Hurley</a>, Lecturer, Faculty of Health, <a href="https://theconversation.com/institutions/southern-cross-university-1160">Southern Cross University</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/the-psychology-of-retirement-why-do-so-many-athletes-struggle-to-call-time-234559">original article</a>.</em></p> </div>

Retirement Life

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‘It’s time to give up on normal’: what winter’s weird weather means for the warm months ahead

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/david-bowman-4397">David Bowman</a>, <a href="https://theconversation.com/institutions/university-of-tasmania-888">University of Tasmania</a></em></p> <p>Heavy winds struck south-east Australia over the weekend as a series of cold fronts moved across the continent. It followed a <a href="https://www.9news.com.au/national/australia-weather-update-nsw-and-victoria-damaging-winds-high-fire-danger-warnings/0f9b19d8-dc81-44c9-8df4-679cbb67c055">high fire danger</a> in Sydney and other parts of New South Wales last week, and <a href="https://www.abc.net.au/news/2024-08-28/fire-grass-emergency-warning-firefighter-horningsea-park/104281180">a fire in south-west Sydney</a> that threatened homes.</p> <p>The severe weather rounds out a weird winter across Australia. The nation’s <a href="https://www.theguardian.com/australia-news/article/2024/aug/26/winter-heat-records-broken-as-australia-set-for-more-temperatures-over-10c-above-average">hottest ever winter temperature was recorded</a> when Yampi Sound in Western Australia reached 41.6C on Tuesday. Elsewhere across Australia, winter temperatures have been <a href="https://www.theguardian.com/australia-news/article/2024/aug/28/nsw-weather-forecast-fire-danger-warnings-sydney-bom">way above average</a>.</p> <p>We can look to the positives: spring <a href="https://www.theguardian.com/australia-news/article/2024/aug/26/australias-early-spring-brings-budding-flowers-chirping-birds-and-climate-alarm">flowers are blooming early</a>, and people have donned t-shirts and <a href="https://www.smh.com.au/environment/climate-change/spring-comes-early-after-warm-winter-with-more-heat-on-the-way-20240828-p5k63i.html">hit the beach</a>. But there’s a frightening undercurrent to this weather.</p> <p>Earth’s climate has become dangerously <a href="https://science.nasa.gov/climate-change/extreme-weather/">unstable</a>, and it’s only a matter of time before we get the bad combination of hot and dry weather, strong winds and a spark. None of this should come as a surprise. The sooner we stop expecting Australia’s weather to be “normal”, the sooner we can prepare for life in a wild climate.</p> <figure><iframe src="https://www.youtube.com/embed/003XSg5AZBk?wmode=transparent&amp;start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe></figure> <h2>The green is deceiving</h2> <p>The landscape around Sydney – and in fact, across much of south-east Australia – is very green at the moment. That’s because we’ve had a couple of years of good rains which triggered an explosion of vegetation growth.</p> <p>The below NASA satellite image reveals the picture in stark detail. It’s certainly lush out there at the moment.</p> <p>But the problem with climate change is that weather conditions can turn on a dime. This August was a case in point. At month’s end, much of Australia was hit by a record-breaking heatwave and <a href="http://www.bom.gov.au/australia/charts/synoptic_col.shtml">damaging winds</a> – conditions that can dry out a green landscape with devastating efficiency, turning it into fuel for a bushfire.</p> <p>The dangerous fire weather that struck Sydney this week came as a surprise to many. But in reality, these abnormal conditions are the new normal.</p> <p>We must open our minds to this, if we want to be prepared.</p> <h2>A climate off the rails</h2> <p>The year 2023 was Earth’s <a href="https://www.climate.gov/news-features/featured-images/2023-was-warmest-year-modern-temperature-record#:%7E:text=The%20year%202023%20was%20the,decade%20(2014%E2%80%932023).">hottest on record</a>. And <a href="https://www.carbonbrief.org/state-of-the-climate-2024-now-very-likely-to-be-warmest-year-on-record/">2024 looks likely</a> to be hotter still.</p> <p>In Australia, the last 12 months have provided all the evidence we need that our climate is wobbling on its rails.</p> <p>In October 2023, Victoria’s Gippsland region suffered unseasonably early bushfires, then soon after battled <a href="https://www.abc.net.au/news/2023-12-05/gippsland-fires-and-multiple-floods-breeding-resilience/103179368">heavy rain and flooding</a>.</p> <p>And Tasmania, where I live, <a href="https://www.abc.net.au/news/2024-03-07/tas-drought-conditions-as-dry-tasmania-looking-very-brown/103546058">has been gripped by drought</a>. This February was Hobart’s third driest in 143 years. But over the weekend we were hammered by a <a href="https://www.abc.net.au/news/2024-09-01/tas-flood-warnings-severe-weather-sunday/104296092">deluge of rain and wind</a>.</p> <p>This climate instability is setting up bad fire conditions. Not everywhere in south-east Australia will be hit by fire, but it will happen somewhere. It could be the hinterlands or the coast. It will depend on how our erratic climate behaves in the coming months.</p> <p>Let’s stick with the Tasmania example. Sure, the surface soils are now nicely saturated. But that will lead to a burst of grass and other vegetation in spring. If the dry weather returns and the temperatures heat up in summer, the fine fuels will dry out and become dangerously combustible.</p> <p>All we need then is a windy day and a spark, and a nightmare fire will soon be racing across the landscape.</p> <h2>Canada on fire</h2> <p>Of course, Australia is not the only country facing climate instability and a worsening fire risk.</p> <p>Canada suffered a catastrophic wildfire season in 2023 – one of the most severe on record. It burnt almost 15 million hectares and forced the evacuation of 232,000 people.</p> <p>Smoke produced by the fires affected communities up to 1,000 km away, such as in southern Canada and on the east coast of the United States.</p> <p>A <a href="https://www.nature.com/articles/d41586-024-02653-6">recent paper</a> in the journal Nature Communications outlined why. It pinpointed early snowmelt, early-season drought conditions and intense heat. In fact, the average temperature in Canada from May to October last year was 2.2°C higher than the 30-year average.</p> <p>The researchers said human-caused climate change exacerbated the fire’s effects. It went on:</p> <blockquote> <p>The disproportionate effect a few days of extreme weather can have on the total area burned is also evident in this fire season, leading to worrisome prospects given projected future conditions.</p> </blockquote> <h2>Normal no longer exists</h2> <p>It’s always been difficult to forecast fire seasons in Australia, due to our natural climate variability.</p> <p>But now we are seeing climate instability <a href="https://www.csiro.au/en/research/environmental-impacts/climate-change/state-of-the-climate/previous/state-of-the-climate-2018/australias-changing-climate">layering over itself</a>: background dryness, wet seasons bringing a proliferation of fuels, and above-average temperatures.</p> <p>Eventually we’ll get unlucky and experience extremely strong winds thrown into the mix. That’s when catastrophic fires are most likely to occur.</p> <p>As we saw in the <a href="https://theconversation.com/australias-black-summer-of-fire-was-not-normal-and-we-can-prove-it-172506">Black Summer of 2019–20</a>, and again in Canada last year, some fires are so intense they completely overwhelm fire suppression strategies.</p> <p>Under climate change, the likelihood of getting a bad combination of weather conditions is increasing. So what’s the remedy?</p> <p>Australia really must start making our communities more resilient. Serious and sustained adaptation is needed. As my <a href="https://www.science.org/doi/full/10.1126/science.adi8066">research has outlined</a>, this requires the careful integration of:</p> <ul> <li>community education programs</li> <li>research and development to design fire-safe homes, gardens, communities and bushland</li> <li>incentives and penalties to ensure adaptation measures are implemented.</li> </ul> <p>As this winter has shown, Australia’s climate is entering a different phase. It’s time to give up on “normal” weather. The game is changing and we have to adapt.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/237857/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/david-bowman-4397">David Bowman</a>, Professor of Pyrogeography and Fire Science, <a href="https://theconversation.com/institutions/university-of-tasmania-888">University of Tasmania</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/its-time-to-give-up-on-normal-what-winters-weird-weather-means-for-the-warm-months-ahead-237857">original article</a>.</em></p> </div>

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How to know when it’s time to start therapy

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/simon-sherry-557487">Simon Sherry</a>, <a href="https://theconversation.com/institutions/dalhousie-university-1329">Dalhousie University</a></em></p> <p>People go to therapy for many reasons. A challenging life event, trauma, volatile emotions, relationship problems, poor mental health: all can prompt someone to seek it out.</p> <p>Whatever the reason, it can be difficult to decide when and if therapy is right for you.</p> <p>If you’re reading this, now’s probably the right time. If you’re considering therapy, something is likely bothering you and you want help. Consider this your sign to reach out.</p> <p>If you’re still unsure, keep reading.</p> <h2>Why therapy?</h2> <p>Sometimes, our minds work against us. Therapy can help you understand why you think, feel, or act how you do <em>and</em> give you the skills you need to think, feel, or act in healthier ways.</p> <p>This includes helping you:</p> <ul> <li> <p>identify, understand, and overcome internal obstacles</p> </li> <li> <p>identify and challenge thought patterns and beliefs that are holding you back</p> </li> <li> <p>improve your mental health</p> </li> <li> <p>cope with mental illness</p> </li> <li> <p>and create lasting changes to your thoughts and behaviour that can improve all areas of your life.</p> </li> </ul> <p> </p> <h2>When your mental health is suffering</h2> <p>Everyone experiences negative emotions in difficult situations — like sadness after a breakup or anxiety before a big life event. But when do these feelings become problematic? When you have <a href="https://www.canada.ca/en/public-health/services/about-mental-health.html">poor mental health</a>.</p> <p>Mental health and mental illness <a href="https://cmha.ca/news/mental-health-what-is-it-really/">are distinct</a>, but related, concepts. <a href="https://dictionary.apa.org/mental-health">Mental health</a> refers to the inner resources you have to handle life’s ups and downs. You have good mental health if you enjoy life; feel connected to others; cope well with stress; and have a sense of purpose, a sense of self and strong relationships.</p> <p>If you have poor mental health, it can be hard to adapt to changes like a breakup, move, loss or parenthood. Therapy can help you improve your mental health, develop resilience and maintain a state of well-being.</p> <p><a href="https://www.canada.ca/en/public-health/services/about-mental-illness.html">Mental illness</a> refers to distressing disturbances in thoughts, feelings and perceptions that interfere with daily life. There are <a href="https://cmha.ca/brochure/mental-illnesses/">different kinds</a> of mental illness, each characterized by different thoughts, feelings and behaviours.</p> <p>Mental illness may feel like:</p> <ul> <li> <p><strong>Hopelessness</strong> — feeling stuck, unmotivated or helpless.</p> </li> <li> <p><strong>Apathy</strong> — feeling uninterested in things that used to give you satisfaction or pleasure.</p> </li> <li> <p><strong>Anger</strong> — feeling rage or resentment, especially frequently or disproportionately.</p> </li> <li> <p><strong>Stress</strong> — feeling overwhelmed, unable to cope, unwilling to rest or like everything is hard (even if you know it shouldn’t be).</p> </li> <li> <p><strong>Guilt</strong> — feeling ashamed, undeserving of good things or deserving of bad things.</p> </li> <li> <p><strong>Anxiety</strong> — worrying about what has or might happen or having disturbing intrusive thoughts.</p> </li> <li> <p><strong>Exhaustion</strong> — sleeping more than usual, having difficulty getting out of bed or lacking energy during the day.</p> </li> <li> <p><a href="https://doi.org/10.1016/S2215-0366(20)30136-X"><strong>Insomnia</strong></a> — having difficulty falling or staying asleep.</p> </li> </ul> <p>Both poor mental health and mental illness are equally good reasons to seek therapy.</p> <p>Ask yourself: Am I having trouble dealing with life challenges?</p> <p>If the answer is yes, therapy might be for you.</p> <p>People often cope with the feelings listed above in different ways. <a href="https://www.nami.org/wp-content/uploads/2023/11/NAMI-Warning-Signs-FINAL.pdf">Some gain or lose a lot of weight</a>. Others might seek out or do things that are unhealthy for them, like entering a toxic relationship, engaging in dangerous activities, developing an unhealthy habit or procrastinating. Others might isolate themselves from friends and family, or catastrophize and <a href="https://pubmed.ncbi.nlm.nih.gov/22468242">ruminate on negative experiences</a>.</p> <p>However it manifests, <a href="https://namica.org/what-is-mental-illness/">mental illness often gets worse if left untreated</a>. It can have very real impacts on your life, potentially leading to unemployment, broken relationships, poor physical health, substance abuse, homelessness, incarceration or even suicide.</p> <p>Ask yourself: Is mental illness negatively affecting my functioning or well-being?</p> <p>If the answer is yes, therapy might be for you.</p> <h2>What if therapy didn’t work before?</h2> <p>Many people put off going to therapy because they don’t think their problems are serious enough, but you don’t need a big, deep reason to start therapy.</p> <p>Some people go to therapy to learn more about themselves. Some, to improve their skills, relationships or productivity. Others go for help reaching their goals or because they aren’t happy and don’t know why. Any of these are good reasons to start therapy, even if they don’t seem like “problems” in a traditional sense. You can go to therapy just because there’s something about yourself or your life you’d like to explore.</p> <p>Therapy is a process. Whether psychotherapy works for you depends on many factors, such as time, effort and your psychologist.</p> <p>There’s no quick fix for mental health. Symptoms can take weeks, months or even years to improve. Although this can be frustrating or disheartening, for therapy to work, you have to give it time.</p> <p>Sometimes people go to therapy, but are skeptical or resistant. Therapy won’t work if you aren’t invested in it. For therapy to work, you have to put in the work.</p> <p>Therapy is a vulnerable process, so finding a psychologist you trust and relate well with is crucial. Psychologists also have different specialities and approaches. For therapy to work, you have to find the right therapist for you.</p> <h2>What if I’m not ready?</h2> <p>There are several reasons why now might not be the right time for you to start therapy. Maybe therapy isn’t in the budget. Maybe you have other priorities. Maybe you’re scared to relive trauma. That’s okay. Therapy can be expensive and difficult, but also rewarding. Just because now isn’t a good time, doesn’t mean there will never be a good time.</p> <p>If you don’t want to start therapy, don’t. However, it can be helpful to determine why you don’t want to.</p> <p>Maybe you don’t want to go to therapy because you’re worried what others might think. If so, remember that people are often <a href="https://www.camh.ca/en/driving-change/the-crisis-is-real/mental-health-statistics">more understanding</a> than we anticipate, and there is nothing wrong with investing in your health or happiness.</p> <p>If you’re struggling with your mental health, know that you’re not alone. Mental health issues are common. Having them or attending therapy does not mean there is something “wrong” with you.</p> <p>Mental illness affects <a href="https://www.who.int/news-room/fact-sheets/detail/mental-disorders">970 million people</a> and is the leading cause of disability worldwide. <a href="https://www.camh.ca/en/driving-change/the-crisis-is-real/mental-health-statistics">One in five</a> <a href="https://www.nami.org/about-mental-illness/mental-health-by-the-numbers/">adults</a> and more than <a href="https://doi.org/10.1001/jamapsychiatry.2023.5051">one in 10 children and youths</a> have mental illness. About <a href="https://health-infobase.canada.ca/datalab/mental-illness-blog.html">15 per cent of Canadians</a> use mental health services each year.</p> <p>Don’t let stigma keep you from bettering your life and well-being. Everyone deserves to live a healthy, fulfilling life. Therapy can help you get there.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/234078/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><a href="https://theconversation.com/profiles/simon-sherry-557487"><em>Simon Sherry</em></a><em>, Clinical Psychologist and Professor in the Department of Psychology and Neuroscience, <a href="https://theconversation.com/institutions/dalhousie-university-1329">Dalhousie University</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/how-to-know-when-its-time-to-start-therapy-234078">original article</a>.</em></p> </div>

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Five-time Olympian found dead at just 50

<p>Five-time Olympic cyclist Daniela Larreal Chirinos has been found dead in a Las Vegas apartment at the age of 50. </p> <p>Chirinos, who represented Venezuela at five Olympic Games, was found after employees raised the alarm when she failed to show up for work. </p> <p>While an official cause of death is yet to be released, Venezuelan media have speculated that she died of asphyxiation on August 11th after a preliminary autopsy found solid food remains in her trachea.</p> <p>Larreal was the only Venezuelan athlete to ever compete in five Olympics, representing her country at Barcelona 1992, Atlanta 1996, Sydney 2000, Athens 2004, and London 2012.</p> <p>Throughout her stellar cycling career, she won several gold medals at local and international events, and earned four Olympic diplomas, given to the top eight finalists in Olympic events. </p> <p>Chairman of the Venezuelan Cycling Federation Eliezer Rojas paid tribute to Larreal, saying she was “not only a champion in cycling but a symbol of perseverance, dedication and passion”.</p> <p>“With a career full of success, she inspired generations of cyclists and left a mark on every competition she participated in. Her legacy will endure in the history of Venezuelan cycling and her memory will live on in every pedal strike we take in her honour.”</p> <p>“Her unexpected departure leaves an irreparable void in the hearts of all of us who had the honour of knowing her and following her career.”</p> <p><em>Image credits: Martin Alipaz/EPA/Shutterstock Editorial </em></p>

Caring

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Boeing Starliner astronauts: what six months stuck in space may do to their perception of time

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/ruth-ogden-1182467">Ruth Ogden</a>, <a href="https://theconversation.com/institutions/liverpool-john-moores-university-1319">Liverpool John Moores University</a> and <a href="https://theconversation.com/profiles/daniel-eduardo-vigo-1631723">Daniel Eduardo Vigo</a>, <a href="https://theconversation.com/institutions/pontificia-universidad-catolica-de-argentina-5531">Pontificia Universidad Católica de Argentina</a></p> <p>Two astronauts marooned in space may sound like the plot of a Hollywood blockbuster, but for two <a href="https://www.nasa.gov/">Nasa</a> crew members, it is now a reality. Commander Barry Wilmore and pilot Sunita Williams are currently in limbo on the International Space Station (ISS).</p> <p>They arrived in the Boeing Starliner spacecraft – the first test of the spaceship with astronauts. Wilmore and Williams were supposed to stay on the ISS for around eight days and return on the same spacecraft. But there is now debate about the safety of Starliner after it experienced <a href="https://www.bbc.co.uk/news/articles/c6pp29gdwe6o">helium leaks and thruster problems</a> on its way to the ISS.</p> <p>In coming days, Nasa and Boeing may decide to clear Starliner to carry the astronauts back to Earth. This means their stay might not last too much longer. But if officials decide against Starliner, the astronauts face waiting an <a href="https://www.nasa.gov/news-release/update-nasa-boeing-to-stream-flight-test-mission-briefing-on-nasa/">additional six months in orbit</a> before returning. So how do astronauts cope with a potential six-month wait for a lift home?</p> <p><a href="https://www.sciencedirect.com/science/article/abs/pii/0022249685900203">Waiting for things is difficult</a> at the best of times. Under normal circumstances, it is <a href="https://journals.sagepub.com/doi/full/10.1177/2043808718778982">frustrating, stressful and anxiety-provoking</a>. But in extreme situations, with high stakes, <a href="https://onlinelibrary.wiley.com/doi/full/10.1111/j.1365-2648.2011.05638.x?casa_token=jC_hT4wqbuIAAAAA%3AGTrJPmd496aDTdirdwYi7CvLK8Q1g_oR-Em2E3EpDP0AwRCs2ko13Jpqui15BlkPiAx7MMRqA0MC">waiting can be purgatory</a>.</p> <p>Part of the reason that waiting is difficult is that it distorts our sense of time. Think of last time you were waiting for a delayed train, test results or a text from a potential new partner. Did it fly by or drag? For most people, time spent waiting crawls at a glacial pace. As a result, delays and periods of anticipation often feel much longer than they actually are.</p> <p>Waiting slows our perception of time, because it changes the amount of time that we spend <a href="https://www.jstor.org/stable/23324610?casa_token=KmtJWWmtHwQAAAAA%3AN_CUdtNakK46j4ItZaH_f__QcIGOjMnasX1NeMTRFH5YPpcmYx1JpigTfTb1bPYi5Fcus-IhtzDX0Jsz3xpqZRMDUxg0RWYhSr87V-zXz_pqS0zM&amp;seq=2">thinking about time</a>. During normal daily life we often ignore time; our brains have a limited capacity. If time isn’t important, we simply don’t think about it, and this helps it to pass quickly.</p> <p>When we are waiting, our desire to know when the wait is over increases how much we think about time. This “clock watching” can make the minutes and hours feel like they are <a href="https://doi.org/10.1016/0278-2626(90)90026-K">passing at a snail’s pace</a>. Stress, discomfort and pain exacerbate this effect, meaning that waiting in difficult situations <a href="https://doi.org/10.1002/ejp.2211">can seem even longer</a>.</p> <p>Waiting also slows our perception of time because it what we do and how we feel. Normal life is busy and full of ever-changing activities and interactions. The sudden need to wait halts the flow of life, often leaving us with nothing else to do, thus increasing levels of boredom and frustration.</p> <p>In general, time filled with activity <a href="https://doi.org/10.1016/0278-2626(90)90026-K">passes more quickly</a>. We all got a taste of this during <a href="https://doi.org/10.1371/journal.pone.0235871">COVID lockdowns</a>. When we were stuck inside unable to see friends and engage in normal daily activities, the loss of routine and distractions caused time to drag for many.</p> <p>For the astronauts stuck on the ISS, anxiety about when they will return, limited opportunities for activities and fewer opportunities to contact friends and families combine to make their wait to return home feel significantly longer than six months – if it should come to that.</p> <p>However, as academics who research the effects of time on human psychology and biology, our ongoing work with crew members at research stations in Antarctica aims to shed light on whether waiting in extreme environments is different to waiting during normal daily life.</p> <h2>A year in Antarctica</h2> <p>While being stuck for six months on the ISS may sound like many people’s worst nightmare, it is not uncommon for scientists to spend long periods isolated and confined in extreme environments. Every year, organisations such as the Instituto Antártico Argentino (which uses the Belgrano II Antarctic station), the French Polar Institute and the Italian Antarctic Programme, in cooperation with the European Space Agency (which all use Antarctica’s Concordia station), send crews of people for up to 16 months to conduct research on the frozen continent.</p> <p>During the March to October <a href="https://www.bas.ac.uk/">polar winter</a>, teams spend six months in near darkness – and from May to August, in complete darkness – facing outside temperatures of up to -60C, wind speeds of 160 km/h (100 mph) and storms which prevent almost all outdoor activity. Limited internet coverage can also prevent constant communication with the outside world.</p> <p>For the last year, we have researched how life in Antarctica influences people’s experience of time. Each month, we asked crew members how time felt like it was passing in comparison to before their mission. Trapped on base, with limited contact with the outside world, you might expect time to drag. However, our results suggest the opposite may be true.</p> <p>Analysis of crew members’ experiences indicated that being constantly busy with complex tasks such as scientific research helped time to pass swiftly, according to 80% of crew responses. Only 3% of responses indicated that time actually dragged, and these reports occurred when nights were long and there was little to do.</p> <p>These experiences may provide hope for those stuck on the ISS. Like life on an Antarctic station, these Nasa astronauts have a busy and mentally demanding existence. These factors may help time to pass quickly.</p> <p>However, a key factor of their wait may be their ability to <a href="https://journals.sagepub.com/doi/10.1177/2043808718778982">tolerate the uncertainty</a> of when they will return. Wilmore and Williams will spend their time in a space equivalent to the <a href="https://www.nasa.gov/international-space-station/space-station-facts-and-figures/">inside a Boeing 747</a> plane. But better information about “when” things will happen and “why” delays are being incurred can help people to tolerate waiting and reduce its impact on their wellbeing.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/236546/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/ruth-ogden-1182467">Ruth Ogden</a>, Professor of the Psychology of Time, <a href="https://theconversation.com/institutions/liverpool-john-moores-university-1319">Liverpool John Moores University</a> and <a href="https://theconversation.com/profiles/daniel-eduardo-vigo-1631723">Daniel Eduardo Vigo</a>, Senior Researcher in Chronobiology, <a href="https://theconversation.com/institutions/pontificia-universidad-catolica-de-argentina-5531">Pontificia Universidad Católica de Argentina</a></em></p> <p><em>Image credits: NASA</em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/boeing-starliner-astronauts-what-six-months-stuck-in-space-may-do-to-their-perception-of-time-236546">original article</a>.</em></p> </div>

Mind

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Supermoons are boring – here are 5 things in the sky worth your time

<div class="theconversation-article-body"> <p><em><a href="https://theconversation.com/profiles/michael-j-i-brown-113">Michael J. I. Brown</a>, <a href="https://theconversation.com/institutions/monash-university-1065">Monash University</a></em></p> <p>A <a href="https://science.nasa.gov/solar-system/moon/what-is-a-supermoon/">supermoon</a> may sound exciting, but it’s a modest coincidence.</p> <p>As the Moon orbits Earth, its distance from us varies from 357,000 to 407,000 kilometres. When the Moon and the Sun are in almost opposite directions from Earth, we get a full moon. A “supermoon” is a full moon where its position along its orbit is within 10% of its closest approach to Earth. That’s it.</p> <p>This means a supermoon has an apparent diameter that’s 14% larger than the smallest possible full moon. That’s not a lot. You can’t really notice the difference by eye.</p> <p>As an astronomer, I have a problem with supermoons. There are genuine wonders to see in the night sky, so don’t be disappointed by a dull, overhyped supermoon.</p> <h2>When is the best time to view the Moon?</h2> <p>Articles hyping supermoons are easy. ChatGPT can do it. Say it’s the first supermoon since whenever, add some superlatives, and throw in a telephoto lens photo of a full moon with a landmark. Perhaps the supermoon coincides with another otherwise normal full moon, so it can be a “<a href="https://moon.nasa.gov/news/197/super-blue-moons-your-questions-answered/">blue supermoon</a>” or a “<a href="https://www.accuweather.com/en/space-news/super-worm-moon-how-to-see-the-final-full-moon-of-winter/695656">worm supermoon</a>” or whatever.</p> <p>It’s still just a full moon.</p> <p>If you do want to look at the Moon and it happens to be a supermoon, go for it. But there are better times to admire our only natural satellite, particularly with binoculars or a telescope.</p> <p>The best time to look at the Moon is when its shadows, as seen from Earth, are longest. These long shadows help the craters and mountains stand out from the surrounding plains, so you can appreciate the dramatic landscape of our neighbouring world.</p> <p>The shadows are longest when the Moon appears as a half moon in the night sky. During a full moon or a supermoon the shadows are at their shortest – not nearly as impressive.</p> <h2>Supermoons are a distraction</h2> <p>Have you seen the craters of the Moon, <a href="https://skyandtelescope.org/observing/viewing-saturn-the-planet-rings-and-moons/#:%7E:text=Viewing%20Saturn's%20Rings,the%20ball%20of%20the%20planet.">the rings of Saturn</a>, the clouds of Jupiter or <a href="https://skyandtelescope.org/observing/celestial-objects-to-watch/observing-the-great-orion-nebula/#:%7E:text=First%20locate%20Orion's%20Belt%2C%20which,ll%20find%20the%20Orion%20Nebula.">the Orion nebula</a> with a telescope? They truly are awe-inspiring. Even the most dedicated astronomers return to view them time and time again.</p> <figure class="align-right zoomable"></figure> <p>In fact, astronomers prefer to avoid nights with supermoons and catch up on lost sleep. Full moons flood the night sky with light and make it harder to view more subtle and interesting sights.</p> <p>Want to look at the grand expanse of the Milky Way with the unaided eye? Want to see a meteor shower, comet or aurora? Best done without a damn supermoon.</p> <p>It can be fun to see something truly rare or unusual in the sky. But supermoons don’t qualify for that either. Using the definition I mentioned earlier, there are typically three or four supermoons each year. More restrictive definitions give us one or two supermoons per year. Not only is that not rare, it still just looks like a full moon.</p> <p>There are rarer celestial events that really can inspire. Millions of people across the globe saw <a href="https://science.nasa.gov/science-research/heliophysics/how-nasa-tracked-the-most-intense-solar-storm-in-decades/">bright auroras in May 2024</a>, including places where truly spectacular auroras are few and far between.</p> <p>Comets can also be wonderful. Every decade or so, a comet swings into the inner Solar System and produces a bright tail, millions of kilometres long and visible from Earth. Back when I was a student, I saw <a href="https://en.wikipedia.org/wiki/Comet_Hyakutake">Comet Hyakutake’s bright blue tail</a> stretch across a huge expanse of sky. Sometimes comets fizzle, but when they’re great they are amazing.</p> <h2>Want something impressive? Try an eclipse</h2> <p>Auroras and comets can be fickle, but eclipses are predictable and put on a reliable show.</p> <p>Take total solar eclipses, when the Moon covers the Sun and day turns briefly into night. Thousands travel across the globe to see them. I will be travelling to New South Wales for the <a href="https://eclipse.asa.astronomy.org.au/eclipse-australia-2028/">2028 eclipse</a>.</p> <figure class="align-left zoomable"><a href="https://images.theconversation.com/files/613126/original/file-20240813-17-ewfavl.jpeg?ixlib=rb-4.1.0&amp;q=45&amp;auto=format&amp;w=1000&amp;fit=clip"> </a></figure> <p><a href="https://www.space.com/15689-lunar-eclipses.html">Lunar eclipses</a>, when the Moon falls within Earth’s shadow, can be a more accessible eclipse experience, which is visible from your own home <a href="https://en.wikipedia.org/wiki/List_of_lunar_eclipses_in_the_21st_century">every few years</a>.</p> <p>During the best lunar eclipses, the Moon turns a dark red as the only light that reaches it comes through Earth’s atmosphere.</p> <p>As an astronomer, I encourage people to look at celestial sights. Go out and see the Moon when it can really impress – during an eclipse or viewed through a telescope. Or enjoy the planets, auroras, comets and meteor showers when there is no Moon at all. But please don’t waste time on supermoons.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/236416/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/michael-j-i-brown-113">Michael J. I. Brown</a>, Associate Professor in Astronomy, <a href="https://theconversation.com/institutions/monash-university-1065">Monash University</a></em></p> <p><em>Image credits: Shutterstock</em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/supermoons-are-boring-here-are-5-things-in-the-sky-worth-your-time-236416">original article</a>.</em></p> </div>

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Three-time mayor's cause of death revealed

<p>Rising Labor star Sarah Carter was found dead at her home on Tuesday, when she failed to meet her partner <a href="https://www.oversixty.com.au/health/caring/tragic-new-details-emerge-after-three-time-mayor-found-dead-at-just-45" target="_blank" rel="noopener">Nikhil Roy</a> at the airport ahead of their Europe trip. </p> <p>She was treated by emergency services but could not be saved. </p> <p>Now a source close to Carter has told the <em>Daily Mail</em> that she is believed to have of a suspected brain aneurysm. </p> <p> “They suspect it’s an aneurysm ... we don’t know whether it was anything she had been aware of. It’s come as a complete shock," the source reportedly told the outlet. </p> <p>On Wednesday Carter's devastated mother Gaynor Morris spoke out about the tragedy for the first time in an interview with the Herald Sun. </p> <p>“She hadn’t made it to the airport to meet him for their holiday together,” she said. </p> <p>“He (Roy) went and checked on her and he literally found her dead.”</p> <p>Victoria police had previously confirmed that her death was not being treated as suspicious and a report is being prepared for the coroner. </p> <p>Carter was a councillor for Maribyrnong Council in Melbourne's west, covering suburbs including Footscray, Yarraville, Tottenham and Maribyrnong itself. </p> <p>She was first elected to office in 2008 and was the first woman to have served three times as mayor of Maribyrnong. </p> <p><em>Image: Instagram</em></p>

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Tragic new details emerge after three-time mayor found dead at just 45

<p>Three-time Maribyrnong mayor Sarah Carter was found dead at her home on Tuesday, </p> <p>Now, her devastated mother Gaynor Morris has broken her silence and revealed that Carter was due to fly to Europe with her partner, Nikki Roy, but never made it to the airport. </p> <p>“She hadn’t made it to the airport to meet him for their holiday together,” Morris told the <em>Herald Sun</em>.</p> <p>“He (Roy) went and checked on her and he literally found her dead.</p> <p>“No-one knows anything different unfortunately.”</p> <p>She was treated by emergency services at her home in Maribyrnong, Victoria at 3:45pm on Tuesday but unfortunately could not be saved.</p> <p>Her cause of death is not yet known but Victoria police has confirmed that her death is not being treated as suspicious. </p> <p>Carter's mother said that Roy was  “absolutely heartbroken”.</p> <p>“I think she sets a great example for everybody and there’s a lot of people that will miss her. I am very proud,” she added.</p> <p>Carter was a councillor on Maribyrnong Council, in Melbourne’s west, which covers suburbs including Footscray, Yarraville and Tottenham as well as Maribyrnong. </p> <p>She was first elected to office in 2008 and was the first woman who served as mayor of Maribyrnong three times. </p> <p>Many believed that her political career could go beyond council boundaries. </p> <p>“Children’s champion, community leader, Labor through and through. The best of us,” Former Labor leader and current minister Bill Shorten said in a tribute to Carter. </p> <p>“My thoughts are with her family and loved ones in this difficult time.”</p> <p>Labor MP Tim Watts added that her  “energy was limitless”.</p> <p>“She had an impact on so many people’s lives.</p> <p>“She gave so much of herself and wanted to give so much more. She’s been taken from us far too soon.</p> <p>“It’s a terrible loss to our community and our country”.</p> <p><em>Images: Instagram</em></p>

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It’s tax time and scammers are targeting your myGov account. Here’s how to stay safe

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/cassandra-cross-122865">Cassandra Cross</a>, <a href="https://theconversation.com/institutions/queensland-university-of-technology-847">Queensland University of Technology</a></em></p> <p>For many, tax time is an exciting part of the year – there’s the potential for a refund. However, it’s also an attractive time for fraudsters looking for ways to get money and deceive unsuspecting victims.</p> <p>Each year Australians lose large amounts of money to scams. In 2023, Australians reported <a href="https://www.accc.gov.au/media-release/scam-losses-decline-but-more-work-to-do-as-australians-lose-27-billion">losses of more than A$2.7 billion</a>. While this is a slight reduction from the $3.1 billion in 2022, there are still millions of victims who’ve suffered at the hands of scammers.</p> <p>Impersonation scams are one common approach. Scamwatch reports that in 2023, <a href="https://www.scamwatch.gov.au/news-alerts/shopping-for-online-bargains-this-black-friday-weekend-make-sure-its-the-real-deal">70% of reports to them</a> involved impersonation.</p> <p>A large number of these were linked to the Australian Taxation Office (ATO) and myGov.</p> <h2>What is an impersonation scam?</h2> <p>Impersonation scams are what they sound like: when an offender pretends to be someone or something they are not. Offenders may pretend to be family members or friends in our contact lists.</p> <p>In many cases, they will say they’re from an organisation such as a bank or a well-known retailer, or a government department – like the ATO.</p> <p>Offenders take on the identity of a known and trusted organisation to increase the chances of success. While we may ignore communications from unknown entities and strangers, we’re more likely to engage with what’s familiar.</p> <p>Additionally, the ATO has a powerful status as a government agency, and we are unlikely to ignore its messages – especially at tax time.</p> <h2>What are they trying to get out of my myGov account?</h2> <p>myGov is the gateway to a range of government services, including Medicare, Centrelink, My Health Record, the National Disability Insurance Scheme, and of course, the ATO.</p> <p>Being able to log in to myGov gives offenders access to a wide range of your personal details. This can help them build a fuller profile of you to potentially commit identity theft (such as opening new accounts in your name).</p> <p>There’s also the potential for direct fraud. With access to myGov, offenders can change your bank account details and redirect any refunds into their accounts, whether from the ATO or other linked services.</p> <p>They can even submit false tax returns, medical claims or other forms to obtain fraudulent funds. As the legitimate owner of the account, you may not immediately notice this.</p> <h2>What does a myGov scam look like?</h2> <p>In most instances, a myGov scam will look like one of the many phishing attempts we all receive on a daily basis. While each approach can be worded differently, their desired outcome is the same: to acquire your personal information.</p> <p>Fraudsters are sending text messages and emails pretending to be from the ATO, advising you there’s a refund available if you click the provided link.</p> <p>Another approach is to flag a “problem” with your tax return or bank account, and direct you to take immediate action via a link. Creating a sense of urgency can trick users into acting in the moment, without thinking through the request.</p> <p>The text or email may also be very neutral, simply stating there’s a new message waiting – with a link to where you can read it.</p> <p>Regardless of what the message says, the goal is to direct you to a website that looks genuine, but is fake. If you enter your myGov details into such a fake site, the offender can capture your login details and use them to log into your actual myGov account.</p> <h2>What to do if you’ve been a victim?</h2> <p>If you have clicked on a scam link and provided your personal details, there are steps you can take.</p> <p><strong>Change your password</strong> and review your account settings if you still have access to your myGov account.</p> <p><strong>Check your bank accounts</strong>, to see what, if anything, has been lost. Contact your bank or financial institution immediately if you notice any withdrawals or suspicious transactions.</p> <p><strong>Contact any other organisation</strong> linked to your myGov account to see if any unauthorised actions have been taken.</p> <p>For anyone who has lost personal information and experienced identity crime, <a href="https://www.idcare.org/">IDCARE is the national support centre</a> for identity crime victims. They will be able to assist with a personalised response plan to your specific situation.</p> <h2>How do I keep my account safe?</h2> <p><strong>Never click on links</strong> in text messages or emails that direct you to log in to your accounts. Always access your accounts independently, through details you have found independently of any text or email.</p> <p><strong>Review your security settings.</strong> There have been recent reports of people’s myGov accounts being targeted <a href="https://www.theguardian.com/australia-news/article/2024/aug/01/ato-mygov-tax-return-refund-scam">with repeated login attempts</a>. Using your unique eight-digit myGov username for logging in can be safer than <a href="https://my.gov.au/en/about/help/mygov-website/help-using-your-account/manage-sign-in-details#updatingyourusername">using your email address</a>.</p> <p><strong>Enable <a href="https://theconversation.com/what-is-multi-factor-authentication-and-how-should-i-be-using-it-191591">multi-factor authentication</a></strong> where possible. myGov uses two-factor authentication in the form of a text message in addition to an online login. While this is not foolproof, it offers an additional layer of protection and can stop offenders accessing your account with only partial pieces of your information.</p> <p><strong>Be vigilant on all communications.</strong> Always keep in mind that all may not be what it seems and the person you are communicating with may not be who they say they are. It is okay to be sceptical and do your own checks to verify details of what is presented to you.</p> <p>Remember, fraudsters thrive on the silence and shame of those who respond or fall victim to their scams. We need to communicate openly about these schemes and talk to family and friends, to increase everyone’s knowledge and awareness.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/235785/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><a href="https://theconversation.com/profiles/cassandra-cross-122865"><em>Cassandra Cross</em></a><em>, Associate Dean (Learning &amp; Teaching) Faculty of Creative Industries, Education and Social Justice, <a href="https://theconversation.com/institutions/queensland-university-of-technology-847">Queensland University of Technology</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/its-tax-time-and-scammers-are-targeting-your-mygov-account-heres-how-to-stay-safe-235785">original article</a>.</em></p> </div>

Money & Banking

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Does screen use really impact our thinking skills? Our analysis suggests it could

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/michoel-moshel-1433565">Michoel Moshel</a>, <a href="https://theconversation.com/institutions/macquarie-university-1174">Macquarie University</a>; <a href="https://theconversation.com/profiles/jennifer-batchelor-1485101">Jennifer Batchelor</a>, <a href="https://theconversation.com/institutions/macquarie-university-1174">Macquarie University</a>; <a href="https://theconversation.com/profiles/joanne-bennett-1485102">Joanne Bennett</a>, <a href="https://theconversation.com/institutions/australian-catholic-university-747">Australian Catholic University</a>, and <a href="https://theconversation.com/profiles/wayne-warburton-402810">Wayne Warburton</a>, <a href="https://theconversation.com/institutions/macquarie-university-1174">Macquarie University</a></em></p> <p>Screens have become seamlessly integrated into our daily lives, serving as indispensable tools for work, education and leisure. But while they enrich our lives in countless ways, we often fail to consider the potential impact of screen time on our cognitive abilities.</p> <p>In a <a href="https://link.springer.com/article/10.1007/s11065-023-09612-4">new meta-analysis</a> of dozens of earlier studies, we’ve found a clear link between disordered screen use and lower cognitive functioning.</p> <p>The findings suggest we should exercise caution before advocating for more screen time, and before introducing screens into even more aspects of daily life.</p> <h2>Young people’s screen time is increasing</h2> <p>In 2020, a UNSW Gonski Institute for Education report <a href="https://www.gie.unsw.edu.au/sites/default/files/documents/UNSW%20GIE%20GUD%20Phase%201%20Technical%20Report%20MAR20%20v2.pdf">noted a concerning statistic</a>: about 84% of Australian educators believe digital technologies are distracting in a learning environment.</p> <p>And according to the ABC, a recent Beyond Blue <a href="https://www.abc.net.au/news/2023-09-18/mental-health-depression-anxiety-support-coming-for-schools/102831464">survey</a> of Australian teachers identified excessive screen time as the second-most significant challenge for young people, just behind mental health issues.</p> <p>Despite mounting concerns, more than half of Australian schools have embraced a “<a href="https://www.linewize.io/anz/blog/the-rise-of-byod-in-australian-schools">bring your own device</a>” policy. Students are spending more time online than <a href="https://read.oecd-ilibrary.org/education/students-computers-and-learning_9789264239555-en#page46">ever before</a> and starting at increasingly younger ages. A 2021 report by <a href="https://www.commonsensemedia.org/sites/default/files/research/report/8-18-census-integrated-report-final-web_0.pdf">Common Sense Media</a> estimated tweens spend an average of 5 hours and 33 minutes using screen-based entertainment each day, while teenagers devote a whopping 8 hours and 39 minutes.</p> <p>A surge in screen use has led to some individuals, including children, adolescents and adults, developing screen-related addictions. One example is gaming disorder, for which <a href="https://journals.sagepub.com/doi/full/10.1177/0004867420962851">2–3% of people</a> meet the criteria.</p> <h2>What is ‘disordered screen use’?</h2> <p>The impact of screens on our cognitive abilities – that is, our thinking skills such as attention, memory, language and problem-solving – has sparked much debate.</p> <p>On one hand, some researchers and reporters claim screen use can have negative effects, such as <a href="https://bmcpublichealth.biomedcentral.com/articles/10.1186/s12889-022-12701-3">health problems</a>, shortened attention <a href="https://time.com/3858309/attention-spans-goldfish/">spans</a> and hindered <a href="https://www.researchgate.net/publication/312489265_The_relationship_between_television_exposure_and_children's_cognition_and_behaviour_A_systematic_review">development</a>.</p> <p>On the other, schools are <a href="https://www.smh.com.au/education/tech-takeover-classrooms-crowded-with-digital-devices-20200125-p53ul1.html">increasingly adopting</a> technology to boost student engagement. Tech companies are also marketing their products as tools to help you enhance your problem-solving and memory skills.</p> <p>Our <a href="https://link.springer.com/article/10.1007/s11065-023-09612-4">recent study</a> sought to understand the potential cognitive consequences of “disordered screen-related behaviours”. This is a broad category of problematic behaviours that may include screen dependency, and persisting with screen use even when it’s harmful.</p> <p>We conducted a meta-analysis of 34 studies that explored various forms of screen use (including gaming, internet browsing, smartphone use and social media use) and compared the cognitive performance of individuals with disordered screen use to those without it.</p> <p>Our findings paint a concerning picture.</p> <h2>Differences in cognitive function</h2> <p>Across these rigorously peer-reviewed studies, individuals with disordered screen use consistently demonstrated significantly poorer cognitive performance compared to others.</p> <p>The most affected cognitive domain was attention, and specifically sustained attention, which is the ability to maintain focus on an unchanging stimulus for an extended period.</p> <p>The second-most notable difference was in their “executive functioning” – particularly in impulse control, which is the ability to control one’s automatic responses.</p> <p>Interestingly, the type of screen activity didn’t make a difference in the results. The trend also wasn’t confined to children, but was observed across all age groups.</p> <h2>Two ways to interpret the results</h2> <p>Why do people with disordered screen-related behaviours have poorer cognitive functioning?</p> <p>The first explanation is that disordered screen use actually leads to poorer cognitive function, including poorer attention skills (but we’ll need more experimental and longitudinal studies to establish causality).</p> <p>If this is the case, it may be the result of being constantly bombarded by algorithms and features designed to capture our attention. By diverting our focus outward, screen use may weaken one’s intrinsic ability to concentrate over time.</p> <p>Crucially, impaired attention also <a href="https://akjournals.com/view/journals/2006/10/1/article-p77.xml">makes it harder to disengage</a> from addictive behaviours, and would therefore make it harder to recognise when screen use has become a problem.</p> <p>The second explanation is that people who already have poorer cognitive functioning (such as less inhibitory control) are more likely to engage in disordered screen use.</p> <p>This could be a result of the plethora of addictive cues designed to keep us glued to our screens. Being bombarded by these could make it harder to <a href="https://akjournals.com/view/journals/2006/9/4/article-p990.xml">pull the brakes</a> on screen use.</p> <p>Although the literature doesn’t seem to favour this explanation – and does seem to suggest that cognitive functioning is impaired as a result of disordered screen use – it’s still a possibility we can’t rule out.</p> <p>Attention is the bedrock of everyday tasks. People with weakened attention may struggle to keep up in less stimulating environments, such as a static workplace or classroom. They may find themselves turning to a screen as a result.</p> <p>Similarly, people with less inhibitory control would also find it more challenging to moderate their screen use. This could be what drives them towards problematic screen-related behaviours in the first place.</p> <h2>Who should shoulder the responsibility?</h2> <p>Research indicates people with impaired cognitive functioning usually aren’t as well equipped to moderate their own screen time.</p> <p>Many users with disordered screen use are <a href="https://www.sciencedirect.com/science/article/pii/S0747563220302326?casa_token=BQv_N_MFffYAAAAA:AsGkAfdwXjCZHJB463G40Mx-ckS2Q1c8jSOn2SWR_9iW64eWaQsru1IJAZBDCgSPXwhZ3Qwl">young</a>, with mainly males engaging in internet gaming and mainly females engaging in social media use. Neurodiverse people are <a href="https://www.mdpi.com/1660-4601/19/9/5587">also at greater risk</a>.</p> <p>Tech companies are driven by the goal of <a href="https://www.theguardian.com/technology/2017/apr/18/netflix-competitor-sleep-uber-facebook">capturing our attention</a>. For instance, Netflix chief executive Reed Hastings acknowledged the company’s <a href="https://www.theguardian.com/technology/2017/apr/18/netflix-competitor-sleep-uber-facebook">most formidable competitor was sleep</a>.</p> <p>At the same time, researchers find themselves struggling to keep up with the pace of technological innovation. A potential path forward is to encourage open-access data policies from tech companies, so researchers can delve deeper into the study of screen use and its effect on individuals. <!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/216828/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/michoel-moshel-1433565">Michoel Moshel</a>, PhD/Masters Clinical Neuropsychology Candidate, <a href="https://theconversation.com/institutions/macquarie-university-1174">Macquarie University</a>; <a href="https://theconversation.com/profiles/jennifer-batchelor-1485101">Jennifer Batchelor</a>, Associate Professor, School of Psychological Sciences, <a href="https://theconversation.com/institutions/macquarie-university-1174">Macquarie University</a>; <a href="https://theconversation.com/profiles/joanne-bennett-1485102">Joanne Bennett</a>, Lecturer, <a href="https://theconversation.com/institutions/australian-catholic-university-747">Australian Catholic University</a>, and <a href="https://theconversation.com/profiles/wayne-warburton-402810">Wayne Warburton</a>, Associate Professor, <a href="https://theconversation.com/institutions/macquarie-university-1174">Macquarie University</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/does-screen-use-really-impact-our-thinking-skills-our-analysis-suggests-it-could-216828">original article</a>.</em></p> </div>

Mind

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7 health investments that are tax deductible

<p>When someone says “investment”, we tend to think of money and wealth creation: property, shares, superannuation, savings accounts and so on.</p> <p>However, an investment is the contribution of something you value towards the anticipation of growing that value. That contribution could be money or it could be in the form of time, skills, knowledge, or labour. Similarly, the anticipated growth in value could be in monetary terms or towards growth in business, education, research, or even health – both your own and others’.</p> <p>Just like money matters and tax affairs require a wholistic view, so too does health. Which is why when it comes to getting the most out of health investments, it’s crucial to consider physical, mental and financial health. Many, such as those listed below, happen to be tax deductible too:</p> <ol> <li><strong>Safety equipment and education</strong></li> </ol> <p>Workplace safety is perhaps the most crucial of all health investments. What form that takes can differ enormously between professions. Yet if it is important for doing your job safely, then generally it will be tax deductible.</p> <p>This may be protective clothing for tradespeople, medical workers, and industrial machinists, or advanced driving/road safety training courses for taxi drivers and couriers.</p> <p>Sun protection for jobs that take place largely or exclusively outdoors is also generally deductible – but use those sunglasses or sunscreen at home as well, and you’ll only be able to claim the work-related portion of the cost. </p> <ol start="2"> <li><strong>Insurances</strong></li> </ol> <p>Certain insurance premiums are typically tax deductible.</p> <p>Professional indemnity insurance is a legitimate (and often essential) business expense in many jobs, such as for doctors and journalists. Income protection insurance against severe illness or injury may also be deductible.</p> <p>Plus, having private health insurance also delivers a tax benefit when lodging your tax return.</p> <ol start="3"> <li><strong>Professional coaching</strong></li> </ol> <p>Professional coaching can be useful for mental health and clarity, both over existing work situations and career progression or transition planning.</p> <p>Provided this coaching is strictly professional and relates to your ability to earn an income, it may be tax deductible.</p> <ol start="4"> <li><strong>Accounting and financial advice </strong></li> </ol> <p>Good financial health goes hand in hand with good advice about money matters.</p> <p>Most Aussies know that the cost of managing their tax affairs is deductible. Less well known, though, is that financial advice expenses are also generally deductible. </p> <p>Busy accountants can forget to ask if you incurred these costs when going through your expenses at tax time, so be sure to flag it with them.</p> <ol start="5"> <li><strong>Industry-specific deductions</strong></li> </ol> <p>In some instances, health-related expenses may be tax deductible because they are required within a particular job. </p> <p>For instance, models, athletes and fitness instructors may be able to claim gym memberships and nutritionist visits; dieticians and chefs may be able to claim healthy eating books and subscriptions.</p> <p>Check the <a href="https://www.ato.gov.au/individuals-and-families/income-deductions-offsets-and-records/deductions-you-can-claim/occupation-and-industry-specific-guides">ATO’s Occupation and industry-specific guides</a> to see relevant deductions in your line of work.</p> <ol start="6"> <li><strong>Medical checks</strong></li> </ol> <p>If you require compulsory medical assessments and check-ups as part of your job, these may be tax deductible. Examples include health screenings for pilots, miners, and emergency workers. </p> <p>COVID-19 tests to determine whether you can attend your workplace may also be deductible.</p> <p>Vaccinations, however, are deemed by the ATO to be private expenses.</p> <ol start="7"> <li><strong>Donations</strong></li> </ol> <p>Many health organisations are registered charities and not-for-profits, making donations to them deductible. Often, people donate to health charities because of personal experience, either as a patient/survivor themselves or having known someone who was.</p> <p>So not only are you investing in critical research and future patient support as a means of giving back, but you can also claim a tax deduction as a reward for donations over $2. </p> <p><strong>Proof of purchase is key</strong></p> <p>For any expense to be tax deductible, it must be necessary for work purposes and have come out of your own pocket, not been paid for or reimbursed by your employer.</p> <p>Don’t forget to claim depreciation of work-related equipment over subsequent years. These are extra dollars in your pocket to offset the cost of their eventual replacement.</p> <p>And be sure to keep copies of receipts for your purchases to prove your expenses – both now and in the future.</p> <p><em><strong>Helen Baker is a licensed Australian financial adviser and author of On Your Own Two Feet: The Essential Guide to Financial Independence for all Women. Helen is among the 1% of financial planners who hold a master’s degree in the field. Proceeds from book sales are donated to charities supporting disadvantaged women and children. Find out more at <a href="http://www.onyourowntwofeet.com.au/">www.onyourowntwofeet.com.au</a></strong></em></p> <p><em><strong>Disclaimer: The information in this article is of a general nature only and does not constitute personal financial or product advice. Any opinions or views expressed are those of the authors and do not represent those of people, institutions or organisations the owner may be associated with in a professional or personal capacity unless explicitly stated. Helen Baker is an authorised representative of BPW Partners Pty Ltd AFSL 548754.</strong></em></p> <p><em>Image credits: Shutterstock </em></p>

Money & Banking

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"Apparently, my time is up": Veteran Channel 7 anchor's abrupt departure

<p>Veteran Channel 7 anchor Sharyn Ghidella is leaving the network. </p> <p>After an almost two-decade career at the broadcaster's Brisbane bureau, the evening co-presenter announced her abrupt departure in an <a href="https://www.news.com.au/entertainment/tv/current-affairs/veteran-channel-7-anchor-sharyn-ghidella-informs-staff-of-her-immediate-departure-from-network/news-story/27acc9efc07bdd91a424bf28e7f1ae34" target="_blank" rel="noopener">all-staff email</a>, which was seen by news.com.au, on Friday. </p> <p>In the all-staff email reportedly seen by news.com.au, Ghidella said that her exit didn't pan out the way she'd hoped. </p> <p>“After 17 years at 7, apparently, my time is up,” she wrote.</p> <p>“It’s not quite how I expected it to end after 38 years in the industry, but hey, that’s TV.</p> <p>“I will certainly miss the friendships and the fun we have had, around what is, the serious business of news.”</p> <p>She was reportedly offered the opportunity to farewell viewers but declined. </p> <p>“I’m making a clean break, and I probably won’t get the chance to bid you farewell in person,” Ghidella she continued in the email. </p> <p>“But please know that I have held all of you in the highest regard during my time on the mountain and I thank you all, from the bottom of my heart, for everything you did to ensure we made it to air each night.”</p> <p>Ghidella also shared a statement on her <a href="https://www.facebook.com/sharyn.ghidella/" target="_blank" rel="noopener">Facebook</a> page, talking about the changes Seven has underwent recently, including introducing a comedy segment and horoscope report to their national news offering. </p> <p>“I’m also not one to have my evening news served up with humour and horoscopes either, so, to be honest, it is time to go,” Ghidella wrote.</p> <p>Former newspaper editor Anthony De Ceglie, who replaced Craig McPherson as the network’s news director in April has also commended Ghidella for her "significant contribution" to the station. </p> <p>“We are grateful for her hard work and are sorry to see her go. She leaves with sincere thanks from everyone at Seven and our very best wishes for the future,” De Ceglie told news.com.au. </p> <p>Seven Brisbane’s Director of News Michael Coombes added, “For 17 years, Sharyn has been a welcome guest in lounge rooms across Queensland – always professional, always reliable, always warm.</p> <p>“But for all of us, she is so much more. A mentor, a colleague, a friend. I have nothing but admiration and gratitude for Sharyn. And we wish her every success for the future.”</p> <p><em>Images: Instagram</em></p>

TV

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10 ways to make those stage 3 tax cuts count

<p>You’re already used to living without these extra dollars. So, you won’t miss them by continuing to do so. Consider the various options available and which best suits your circumstances, then devise a plan of action to put that money to work.</p> <ol> <li><strong>Check tax brackets</strong></li> </ol> <p>Not only are some income tax rates falling, but the thresholds for others are increasing - potentially pushing you into a lower tax bracket.</p> <p>For example, Alice currently earns $130,000 and this tips her into marginal tax rate of 37 per cent. </p> <p>The Stage 3 changes will increase the 37 per cent tax threshold to $135,001. As such, Alice drops to a lower tax bracket. Not only this, her new tax bracket will have its marginal tax rate reduced from 32.5 per cent to 30 per cent. It’s a double win for Alice!</p> <p>This shouldn’t change your money habits but is still good to know.</p> <ol start="2"> <li><strong>Update your plan</strong></li> </ol> <p>Check <a href="https://www.ato.gov.au/about-ato/new-legislation/in-detail/individuals/individual-income-tax-rates-and-threshold-changes">what your new tax rate will be</a> to calculate your new take-home pay (or simply look at your first full pay cycle in the new financial year).</p> <p>Plot your new income into your household spending and investment plan. Now you know what you have to play with.</p> <ol start="3"> <li><strong>Check your pay</strong></li> </ol> <p>Most employers use digital payroll systems which automatically update tax rates. But not all do. And even then, mistakes can happen.</p> <p>From July, double check that your pay is adjusted correctly. </p> <p>If you notice a mistake, speak up – not only will you and your colleagues benefit, but you could save your employer from costly penalties for an innocent mistake.</p> <ol start="4"> <li><strong>Monitor expenses</strong></li> </ol> <p>Don’t let ballooning expenses wipe out any tax cut gains. </p> <p>Avoid pre-spending those gains too. The additional income is spaced out over each pay; it’s not a lump sum you can blow on a spending spree.</p> <ol start="5"> <li><strong>Automatic redirects</strong></li> </ol> <p>Consider setting up an automated redirect of the difference in your pay as soon as it hits your account. </p> <p>The money could be diverted into a high-interest savings account or used to top up your emergency fund.</p> <ol start="6"> <li><strong>Super contributions</strong></li> </ol> <p>Tax cut cash can be used in combination with super contribution rules to supercharge retirement earnings.</p> <p>Low income earners may be eligible for <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/government-super-contributions/super-co-contribution">government co-contributions</a> while <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/spouse-super-contributions">spouse contributions</a> can offer further tax benefits.</p> <p>This may be particularly useful for anyone <a href="https://www.ato.gov.au/individuals-and-families/super-for-individuals-and-families/super/growing-and-keeping-track-of-your-super/caps-limits-and-tax-on-super-contributions/concessional-contributions-cap#ato-Carryforwardunusedcontributioncapamounts">trying to catch-up</a> after time out of the workforce (e.g., raising kids or caring for relatives) or repaying <a href="https://www.ato.gov.au/about-ato/research-and-statistics/in-detail/super-statistics/early-release/covid-19-early-release-of-super">early withdrawals during COVID</a>. </p> <ol start="7"> <li><strong>Pay down debt</strong></li> </ol> <p>Every extra dollar spent paying off debt will save on future interest and clear it faster. </p> <p>Prioritise higher interest debts (like credit cards). Consider consolidating multiple debts into one with a lower rate (e.g., your mortgage) to reduce total interest and simplify repayments.</p> <ol start="8"> <li><strong>Invest in yourself</strong></li> </ol> <p>The old saying goes “you’ve got to spend money to make money”. Nowhere are the returns typically better than from self improvement.</p> <p>That could be undertaking new qualifications or additional training, enabling you to secure pay rises or transition to a higher-paying industry.</p> <p>Or it may be investing in your health and wellbeing, to reduce medical expenses, improve job prospects and productivity, and enhance your decision-making abilities (including about money matters).</p> <ol start="9"> <li><strong>Lodge returns promptly</strong></li> </ol> <p>This applies to every tax year: the sooner you lodge your tax return, the sooner you access your tax refund.</p> <p>Even if you’re facing a tax bill, getting it done sooner means less interest accruing and no late payment penalties.</p> <ol start="10"> <li><strong>Revisit strategies</strong></li> </ol> <p>While making changes to incorporate these tax cuts, take the opportunity to re-evaluate your overall finances. </p> <p>Revisit investment strategies to ensure they are delivering optimal returns. Check superannuation thresholds and performance. Scrutinise total tax liabilities (for instance, lower tax rates may mean you won’t qualify for the same level of tax deductions). Make updates where necessary.</p> <p>Keeping on top of your finances will mean better bang for your buck now while streamlining your affairs in future years.</p> <p><em><strong>Helen Baker is a licensed Australian financial adviser and author of On Your Own Two Feet: The Essential Guide to Financial Independence for all Women. Helen is among the 1% of financial planners who hold a master’s degree in the field. Proceeds from book sales are donated to charities supporting disadvantaged women and children. Find out more at <a href="http://www.onyourowntwofeet.com.au/">www.onyourowntwofeet.com.au</a></strong></em></p> <p><em><strong>Disclaimer: The information in this article is of a general nature only and does not constitute personal financial or product advice. Any opinions or views expressed are those of the authors and do not represent those of people, institutions or organisations the owner may be associated with in a professional or personal capacity unless explicitly stated. Helen Baker is an authorised representative of BPW Partners Pty Ltd AFSL 548754.</strong></em></p> <p><em>Image credits: Shutterstock </em></p>

Money & Banking

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"Tax the boomers": Outrage over elderly couple's complaint after $1m Lotto win

<p>A "greedy" elderly couple have been rinsed online after complaining about losing their age pension payments after they won the Lotto. </p> <p>The couple, aged 73 and 67, wrote into <a href="https://www.smh.com.au/money/super-and-retirement/we-won-the-lottery-but-lost-our-pension-could-we-have-prevented-this-20240702-p5jqga.html" target="_blank" rel="noopener"><em>Sydney Morning Herald</em></a>'s financial advice column with Noel Whittaker to ask how they could've prevented losing the government funds and still kept hold of their million-dollar winnings. </p> <p>The couple's submission read, "We are a couple... both retired and receiving the full aged pension. We recently won $1,000,000 in the lottery and have placed that money in a basic interest-bearing savings account with our bank."</p> <p>"We intend to use that money to buy a new house and sell our existing one but may just renovate. The windfall has stopped our pension completely until we spend the money, which is all good and well. But could we have prevented the pension loss in any way?"</p> <p>Whittaker responded that the couple should consider themselves extremely fortunate and enjoy the money, saying they "could have a far better lifestyle living off capital instead of relying on welfare". </p> <p>He also urged the couple not "spend to get a pension". </p> <p>The boomers' questions quickly drew attention online, with many flocking to Facebook comments to slam the couple for their "greed". </p> <p>One person wrote, "If you won the lotto, why would you want the pension?", while another added, "Ah yes, the call of the boomers everywhere, 'I have millions but where's my pension money?'"</p> <p>Others said the Lotto winners should consider themselves lucky they are now able to provide for themselves, with one person writing, "Pension is a support system to allow you to survive without/reduced work in retirement. If you are a multimillionaire then you don't need it."</p> <p>Another person echoed the sentiment, saying, "Wow, what entitlement. The pension is a safety net, if you don’t qualify for it think yourself lucky."</p> <p>Other social media users simply shared their outrage towards the boomer generation, as one frustrated person wrote, "Won a million and whinging they can't scam the taxpayers, what self-centered arrogance", while another added, "Tax the boomers! No more handouts."</p> <p><em>Image credits: Shutterstock</em></p> <div class="x6s0dn4 x3nfvp2" style="font-family: inherit; align-items: center; display: inline-flex; min-width: 604px;"> <ul class="html-ul xe8uvvx xdj266r x4uap5 x18d9i69 xkhd6sd x1n0m28w x78zum5 x1wfe3co xat24cr xsgj6o6 x1o1nzlu xyqdw3p" style="list-style: none; margin: 0px -8px 0px 4px; padding: 3px 0px 0px; display: flex; min-height: 15px; line-height: 12px; caret-color: #1c1e21; color: #1c1e21; font-family: system-ui, -apple-system, BlinkMacSystemFont, '.SFNSText-Regular', sans-serif; font-size: 12.000001px;" aria-hidden="false"> <li class="html-li xe8uvvx xdj266r xat24cr xexx8yu x4uap5 x18d9i69 xkhd6sd x1rg5ohu x1emribx x1i64zmx" style="list-style: none; display: inline-block; padding: 0px; margin: 0px 8px;"> </li> </ul> </div>

Retirement Income

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Plastic Free July is a waste of time if the onus is only on consumers

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/bhavna-middha-1061611">Bhavna Middha</a>, <a href="https://theconversation.com/institutions/rmit-university-1063">RMIT University</a> and <a href="https://theconversation.com/profiles/ralph-horne-160543">Ralph Horne</a>, <a href="https://theconversation.com/institutions/rmit-university-1063">RMIT University</a></em></p> <p>Every year, the <a href="https://www.plasticfreejuly.org/">Plastic Free July</a> campaign asks us to refuse single-use plastic. The idea is that making a small change in our daily lives will collectively make a big difference. And hopefully, better behaviour will stick and become a habit.</p> <p>The intent is good, but consumers shouldn’t have to bear full responsibility for plastic pollution. Individual sacrifices – particularly temporary ones – <a href="https://www.sciencedirect.com/science/article/abs/pii/S0301421509004728">won’t make a significant difference</a>.</p> <p>Governments, manufacturers and retailers need to get serious about tackling this problem. If Plastic Free July put pressure on the supply side of the equation, rather than demand, it could be more successful.</p> <p>Our research spans food packaging including plastics, waste, sustainable consumption and social practices. We know consumer demand is only one part of the picture. Eliminating plastic waste requires broader systemic changes.</p> <h2>The cabbage dilemma</h2> <p>Research shows consumers generally want to do the <a href="https://www.sustainability.vic.gov.au/news/news-articles/the-conversation-on-sustainability-has-changed">right thing by the environment</a> but find it <a href="https://theconversation.com/households-find-low-waste-living-challenging-heres-what-needs-to-change-197022">challenging</a>.</p> <p>Coming out of a supermarket with no packaging is difficult. There are few unpackaged food items and even when there is a choice, the unpackaged item may be more <a href="https://www.smh.com.au/politics/federal/want-your-fruit-and-veg-without-the-plastic-you-ll-have-to-pay-more-20231107-p5eib4.html">expensive</a>.</p> <p>Have you ever been stuck in the supermarket, choosing between the large head of cabbage you know you won’t finish before it goes bad, or the plastic-wrapped half-cabbage you really need?</p> <p>Consumers should not be forced to choose between food waste (another huge problem) or plastic waste. Maybe there’s another way. For example, why not sell cabbages of different sizes? Why do we need to grow such large heads of cabbage anyway?</p> <p>Both plastic consumption and food waste can be addressed by changing how we produce and distribute certain foods.</p> <h2>Governments, manufacturers and retailers must drive change</h2> <p>The onus for reducing plastic consumption and waste should be placed firmly on those who make plastic and profit from selling their products, as well as those who make and sell products wrapped in plastic packaging.</p> <p>Research has shown just <a href="https://www.csiro.au/en/news/All/News/2024/April/Global-study-finds-more-than-half-of-branded-plastic-pollution-linked-to-56-companies?utm_source=pocket_shared">56 companies</a> globally are responsible for more than half of the branded plastic pollution that ends up in the environment.</p> <p>Companies profit from using plastics because it is cheaper to use than changing to alternatives, such as cardboard or compostable materials, or using less packaging. This means companies choosing to avoid using plastics face unfair competition.</p> <p>It’s a tough habit to kick. Industry-led <a href="https://productstewardship.us/what-is-epr/#:%7E:text=Stewardship%20can%20be%20either%20voluntary,product%20stewardship%20required%20by%20law">voluntary schemes</a> are <a href="https://www.insidewaste.com.au/91038-2-product-stewardship-schemes/">limited in terms of both participation and outcomes</a>. Many companies are failing to meet their own <a href="https://www.asyousow.org/report-page/2024-plastic-promises-scorecard">plastic reduction goals</a>.</p> <p>Governments need to step in and force companies to take responsibility for the plastic and packaging they manufacture. In practice, this could involve similar schemes to the container deposit scheme for beverage containers, or returning plastics to stores.</p> <p>Replacing voluntary schemes with mandatory regulations and increased producer responsibility means companies will have to <a href="https://www.insidewaste.com.au/91038-2-product-stewardship-schemes/">invest in long-term changes designed with care</a>.</p> <figure><iframe src="https://www.youtube.com/embed/UnXVU-06ciI?wmode=transparent&amp;start=1" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe><figcaption><span class="caption">What’s Plastic Free July?</span></figcaption></figure> <h2>Cities are built around plastic</h2> <p>Our previous research has shown plastic performs an essential role in some, <a href="https://rgs-ibg.onlinelibrary.wiley.com/doi/full/10.1111/geoj.12457">constrained circumstances</a>. We found vulnerable householders often rely on plastic to make life manageable, such as using plastics to cover belongings on the balcony, or using plastic cutlery and plates in student apartments with minimal kitchen space. This includes people with accessibility needs, people relying on public transport to shop for groceries, or people who are financially constrained or living in small high-rise <a href="https://theconversation.com/we-cant-keep-putting-apartment-residents-waste-in-the-too-hard-basket-200545">apartments</a>.</p> <p>Unsustainable lifestyles are not so much a choice as a product of poorly planned cities, housing and regulations. It is all very well if you are mobile and well-located, but if you live in a <a href="https://www.abc.net.au/news/2015-07-08/food-deserts-have-serious-consequences-for-residents-experts/6605230">poorly serviced</a> distant suburb and <a href="https://www.unsw.edu.au/newsroom/news/2023/01/are-you-living-in-a-food-desert--these-maps-suggest-it-can-reall">transport groceries or takeaway food</a> or buy things on the go, then plastic is perhaps the only current affordable way to make it work.</p> <p>So campaigns and solutions that do not consider how <a href="https://rgs-ibg.onlinelibrary.wiley.com/doi/full/10.1111/geoj.12457">everyday lives and economy</a> are intertwined with plastics can <a href="https://www.nature.com/articles/s42949-024-00149-w">exclude people and spaces</a> who can’t access the alternatives.</p> <p>For example, there are ways to make <a href="https://onlinelibrary.wiley.com/doi/abs/10.1111/1745-5871.12464">convenience eating more sustainable</a> in education settings. We have shown how <a href="https://onlinelibrary.wiley.com/doi/abs/10.1111/1745-5871.12390">canteens and microwaves</a> in shared spaces can enable people to access affordable food with their friends, as in <a href="https://www.charlesabroad.cz/post/german-university-canteens-why-do-they-beat-the-czech-ones">University Mensa in Germany</a>.</p> <p>Our <a href="https://cur.org.au/project/tackling-food-related-single-use-plastics-in-diverse-consumption-contexts/">new research</a> will explore how single-use food-related plastics and packaging form an integral part of our daily lives, including shopping, work, cooking and storage.</p> <p>Sometimes new policies inadvertently disadvantage certain groups and communities, such as the aged, less mobile, people living in apartments, or low socio-economic groups. Before we roll out new policies and regulations, we need to understand the roles these materials play and the kinds of services and value they provide.</p> <p>We aim to develop a framework to inform policies and strategies that enable a just and inclusive transition to reduced plastic use.</p> <h2>What about after July?</h2> <p>Plastic Free July and similar campaigns are based on idea that making a temporary change will lead to more permanent lifestyle changes. But research shows temporary shifts are <a href="http://www.demand.ac.uk/wp-content/uploads/2016/03/DEMAND2016_Full_paper_42-Shove.pdf">very different</a> to <a href="https://pure.manchester.ac.uk/ws/portalfiles/portal/32468813/FULL_TEXT.PDF">structural, permanent shifts</a> in <a href="https://www.taylorfrancis.com/chapters/edit/10.4324/9781315816494-1/introduction-social-practices-intervention-sustainability-beyond-behaviour-change-yolande-strengers-cecily-maller?context=ubx&amp;refId=d608abad-39f9-4bb2-8754-56e9e2000c5e">practices</a>.</p> <p>Supermarkets will still wrap items in plastic and sell single-use plastic, even if we try to buy less during Plastic Free July.</p> <p>Ultimately, the focus should be on designing effective infrastructure and policy solutions for lasting results, considering how demand for plastic is produced in the first place.</p> <p>Some of these changes will require a shift in community expectations and food culture.</p> <p>Rather than pointing the finger at consumers, let’s get to work on redesigning our cities. We need to rethink how everyday practices, manufacturing and distribution systems are structured to eliminate plastic waste.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/233436/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/bhavna-middha-1061611">Bhavna Middha</a>, ARC DECRA and Senior Research Fellow, Centre for Urban Research, <a href="https://theconversation.com/institutions/rmit-university-1063">RMIT University</a> and <a href="https://theconversation.com/profiles/ralph-horne-160543">Ralph Horne</a>, Associate Deputy Vice Chancellor, Research &amp; Innovation, College of Design &amp; Social Context, <a href="https://theconversation.com/institutions/rmit-university-1063">RMIT University</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/plastic-free-july-is-a-waste-of-time-if-the-onus-is-only-on-consumers-233436">original article</a>.</em></p> </div>

Home & Garden

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Woman dies after police fail to respond to 000 call in time

<p>A delayed police response is under investigation after a woman in her 40s died when police officers took almost an hour to respond to a 000 call. </p> <p>Sarah Miles, a mother-of-three from Byron Bay, died after she was allegedly beaten by her boyfriend in her home on Saturday morning.</p> <p>A triple-0 call was made at 1:30am after neighbours reportedly heard screams coming from the house, but NSW Police didn’t acknowledge the call until 2:25am.</p> <p>By the time they arrived on the scene, they found Miles fighting for life in her final moments.</p> <p>She was unconscious but breathing, with “obvious injuries” to her head caused by a physical assault, NSW Police Assistant Commissioner Peter McKenna said.</p> <p>“Police assisted her and called for an ambulance immediately (which) arrived very shortly after, but unfortunately, her condition deteriorated, and she died at the scene,” McKenna said.</p> <p>“The delay in the timing of police acknowledging that call and attending the scene has given me enough concern that I’ve asked for an independent review of this investigation as to what that delay was and if it was justified."</p> <p>“We want to see what happened from the time that call was made, how the radio operator dispatched that call, the circumstances around the timings until it was acknowledged and until police attended.”</p> <p>The NSW Police Homicide Squad is working separately with local officers to investigate Miles’ death.</p> <p>McKenna said the force takes domestic violence very seriously and the issue is at the “top of our priority list”.</p> <p>“It is one of the most serious crimes there is, and we will do everything we can to take this as seriously as we can and make sure people are held to account and put before the courts,” he said.</p> <p>Miles's partner, Dwayne John Creighton, 31, was arrested at the scene and taken to Lismore Police Station, where he was charged with one count of murder.</p> <p><em>Image credits: 7News</em></p>

Legal

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Why you should expect to pay more tourist taxes – even though the evidence for them is unclear

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/rhys-ap-gwilym-1531623">Rhys ap Gwilym</a>, <a href="https://theconversation.com/institutions/bangor-university-1221">Bangor University</a> and <a href="https://theconversation.com/profiles/linda-osti-1431286">Linda Osti</a>, <a href="https://theconversation.com/institutions/bangor-university-1221">Bangor University</a></em></p> <p>In April 2024, Venice began its controversial experiment to <a href="https://www.timeout.com/news/venice-will-charge-tourists-5-to-enter-the-city-from-next-year-090823">charge day trippers</a> €5 (£4.30) to visit the city on some of the busiest days of the year. But it’s not just the lagoon city, with its <a href="https://www.bbc.co.uk/travel/article/20230928-venices-new-5-entry-fee-explained#:%7E:text=Over%20the%20past%20three%20decades%2C%20Venice%20has%20become,thirds%20of%20visitors%20come%20just%20for%20the%20day.">30 million visitors</a> a year which is interested in trying out new tourism taxes.</p> <p>In the UK, a council in the county of Kent <a href="https://eur01.safelinks.protection.outlook.com/?url=https%3A%2F%2Ftheconversationuk.cmail20.com%2Ft%2Fr-l-tiuhhult-iukktlluuk-o%2F&amp;data=05%7C02%7Cr.a.gwilym%40bangor.ac.uk%7C39ac5db833674c1a026508dc63a24fa7%7Cc6474c55a9234d2a9bd4ece37148dbb2%7C0%7C0%7C638494795990617858%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C0%7C%7C%7C&amp;sdata=D6oVizx3pFoiwRaTcKaakQ079%2FIQx86jcbFpj2%2FS0RQ%3D&amp;reserved=0">has recommended</a> introducing a tourism tax on overnight stays in the county. In Scotland, it seems likely that <a href="https://edinburgh.org/planning/local-information/visitor-levy-for-edinburgh/#:%7E:text=The%20Edinburgh%20Visitor%20Levy%2C%20otherwise%20referred%20to%20as,would%20then%20be%20invested%20back%20into%20the%20city.">visitors to Edinburgh</a> will be paying a fee by 2026, and the Welsh government <a href="https://www.walesonline.co.uk/news/wales-news/welsh-government-announces-tourists-pay-26591498">plans to introduce</a> similar legislation later this year.</p> <p>Such taxes may seem new to the UK, but there are more than 60 destinations around the world where this type of tax is already in place. These vary from a nationwide tax in Iceland to various towns across the US. Some have been in place for a long time (France was the <a href="https://www.impots.gouv.fr/taxe-de-sejour">first in 1910</a>), but most were introduced during the last decade or two.</p> <p>Before the pandemic really struck (and tourism was put on hold), 2020 was described by one newspaper as the <a href="https://www.telegraph.co.uk/travel/news/tourist-tax-amsterdam-venice/">“year of the tourist tax”</a>, as Amsterdam joined an ever-growing list of destinations, which includes Paris, Malta and Cancun, to charge visitors for simply visiting.</p> <p>Introducing these tourist taxes has often been controversial, with industry bodies <a href="https://www.bbc.co.uk/news/uk-wales-62707152">voicing concerns</a> about the potential impacts on the tourist trade.</p> <p>And it appears that the link between such levies and visitor numbers is not simple, with several studies reaching different conclusions. For example, some have suggested that tourism levies have hindered <a href="https://www-sciencedirect-com.bangor.idm.oclc.org/science/article/pii/S0261517704000238">international tourism in the Balearics</a> and <a href="https://journals-sagepub-com.bangor.idm.oclc.org/doi/pdf/10.1177/00472875211053658">the Maldives</a>, and that they may dissuade people from participating in <a href="https://eprints.bournemouth.ac.uk/35087/1/ADEDOYIN%2C%20Festus%20Fatai_Ph.D._2020.pdf">domestic tourism</a>.</p> <p>Yet in one of the world’s most popular tourism spots with a levy, Barcelona, visitor numbers have <a href="https://groupnao.com/wp-content/uploads/2020/11/TOURISM-TAXES-BY-DESIGN-NOV12-2020_rettet-compressed-2.pdf">consistently risen</a>, with hotel guests increasing from 7.1 million in 2013 to 9.5 million in 2019.</p> <p>In fact, the relationship between a visitor levy and tourist flow is so complex that there is no unified view, even within the same country. Italy has been one of the most studied, and results <a href="https://crenos.unica.it/crenosterritorio/sites/default/files/allegati-pubblicazioni-tes/Indagine_Villasimius_Quaderno_Crenos_ISBN.pdf">are inconsistent</a> <a href="https://onlinelibrary.wiley.com/doi/abs/10.1002/jtr.2123">there too</a>.</p> <p>Another study, looking at three neighbouring Italian seaside spots finds that only in one destination has the visitor levy <a href="https://www.rivisteweb.it/doi/10.1429/77318">reduced tourist flow</a>. And a study on the Italian cities of Rome, Florence and Padua shows that these cities <a href="https://link-springer-com.bangor.idm.oclc.org/chapter/10.1007/978-3-030-61274-0_23">have not experienced any negative effects</a> either in terms of domestic or international demand.</p> <p>So the impact of tourism taxes on visitor numbers is inconclusive.</p> <p>But what about other effects, such as the potential benefits of spending the revenues raised? As part of an ongoing research project, we looked at seven different destinations in which tourist taxes are levied to look at how the money raised is then spent.</p> <p>For most places, tourism tax revenues were being used to fund marketing and branding – so invested directly into promoting more tourism. The income was also commonly used to fund tourism infrastructure, from public toilets and walking or cycling paths to a multi-billion dollar <a href="https://www.occc.net/About-Us-Media-Relations-Press-Releases/ArticleID/569/Orange%20County%20Board%20Votes%20to%20Approve%20Convention%20Center%20Completion%20with%20Tourist%20Development%20Tax%20Revenues">convention centre</a> in Orange County, Florida.</p> <p>In <a href="https://www.caib.es/sites/impostturisme/en/l/projects/?mcont=95762">the Balearics</a>, revenues tend to go to projects that mitigate the negative impacts of tourism on the environment, culture and society of the islands. These include waste management, conserving natural habitats and historical monuments, and social housing.</p> <p>But in general, tourism taxes have been implemented successfully across the destinations we looked at, and there is little evidence of tourists being put off from visiting.</p> <p>Research also suggests that when tourists are told what the levy is used for – and when it relates directly to <a href="https://www.mdpi.com/2227-7099/5/2/21">improving their experience</a> or <a href="https://ejtr.vumk.eu/index.php/about/article/view/2813/605">enhancing sustainable tourism</a> – <a href="https://www-sciencedirect-com.bangor.idm.oclc.org/science/article/pii/S2212571X20301621?casa_token=HcD-yQh65XcAAAAA:GhVRo4vX9JY1E3Lcx5ZPaTr5ZHArMGNrmK_2ASJCtMPjVpdCQLdun25BmFEYquGgz8-1riOWdg">tourists are willing to accept and pay</a> the levy.</p> <h2>Day trippers</h2> <p>For many tourism destinations, the major problem is not overnight tourists, but rather <a href="https://www.mirror.co.uk/news/uk-news/fuming-snowdonia-visitors-demand-self-30203642">day visitors</a> who use local resources while making little in the way of a financial contribution. For these reasons, taxes might also be used to deter day visits and instead encourage longer stays.</p> <p><a href="https://www.economist.com/why-venice-is-starting-to-charge-tourists-to-enter?utm_medium=cpc.adword.pd&amp;utm_source=google&amp;ppccampaignID=18156330227&amp;ppcadID=&amp;utm_campaign=a.22brand_pmax&amp;utm_content=conversion.direct-response.anonymous&amp;gad_source=1&amp;gclid=Cj0KCQjw_qexBhCoARIsAFgBleshST3IQMYR8hONLSLnA_loj9dukAqxURhdVCn1RmGeD5iOQzw_r2caAsqrEALw_wcB&amp;gclsrc=aw.ds">Venice is at the forefront</a> of this shift. And in April 2024, after long discussions between the local authority, residents and business owners, Venice started a <a href="https://cdamedia.veneziaunica.it/en/video/it-is-difficult-to-book-a-visit-to-venice/">trial</a> of a day visitor tax (a so-called <a href="https://cda.veneziaunica.it/en">“access fee”</a>).</p> <p>Back in Kent, it may take longer for any such radical plans to come to fruition. In contrast to Scotland and Wales, there are currently no national plans to <a href="http://www.parliament.uk/written-questions-answers-statements/written-question/commons/2023-09-13/199425">introduce tourist taxes</a> in England.</p> <p>This might be considered shortsighted, given the dire need of many destinations in England to improve local infrastructure that tourists rely on, including <a href="https://www.reading.ac.uk/news/2024/Research-News/Swimming-in-sewage-Bathing-forecasts-not-keeping-people-safe">clean bathing water</a> and <a href="https://www.lancs.live/news/cumbria-news/lake-district-warning-parking-issues-27173650">public transport</a>. In <a href="https://www.accountingweb.co.uk/business/finance-strategy/manchester-acts-as-trailblazer-for-tourist-tax">Manchester</a> and <a href="https://www.ft.com/content/0e0385e6-29ec-4302-9903-6fbf63d8854a">Liverpool</a>, businesses have implemented voluntary overnight charges on visitors, in the absence of the statutory basis to implement compulsory levies.</p> <p>Many other English towns and cities will probably follow their lead. Tourism taxes are something we might all have to consider budgeting for in our future travel plans, wherever we choose to visit.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/229134/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/rhys-ap-gwilym-1531623">Rhys ap Gwilym</a>, Senior Lecturer in Economics, <a href="https://theconversation.com/institutions/bangor-university-1221">Bangor University</a> and <a href="https://theconversation.com/profiles/linda-osti-1431286">Linda Osti</a>, Senior Lecturer in Tourism Management, <a href="https://theconversation.com/institutions/bangor-university-1221">Bangor University</a></em></p> <p><em>Image credits: Shutterstock</em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/why-you-should-expect-to-pay-more-tourist-taxes-even-though-the-evidence-for-them-is-unclear-229134">original article</a>.</em></p> </div>

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Australia’s tax system is being weaponised against victims of domestic abuse. Here’s how

<div class="theconversation-article-body"> <p><em><a href="https://theconversation.com/profiles/ann-kayis-kumar-466422">Ann Kayis-Kumar</a>, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a></em></p> <p>When women seeking financial help from the government-funded UNSW <a href="https://www.unsw.edu.au/business/our-schools/accounting-auditing-taxation/about-us/unsw-clinic">Tax and Business Advisory Clinic</a> are asked whether they have ever been affected by family or domestic violence, most say they have.</p> <p>In the past year this number has grown from <a href="https://cdn.theconversation.com/static_files/files/3339/sub009.pdf?1718777706">65%</a> to over 80%.</p> <p>And about <a href="https://ssrn.com/abstract=4746954">14%</a> of the clinic’s clients say their tax debts are a result of intimate partner violence. These debts often arise from business debts, bankruptcy, corporate directorships and director penalty notices.</p> <p>We know that economic abuse is a red flag for other forms of domestic violence. Economic abuse occurs in nearly all Australian domestic and family violence cases, affecting more than <a href="https://www.abs.gov.au/statistics/people/crime-and-justice/personal-safety-australia/latest-release">2.4 million Australians</a> and costing the economy an estimated <a href="https://www.commbank.com.au/content/dam/caas/newsroom/docs/Cost%20of%20financial%20abuse%20in%20Australia.pdf">A$10.9 billion</a> a year.</p> <p>Unfortunately, existing laws fall well short of protecting abuse victim-survivors from financial loss.</p> <h2>How violent partners weaponise tax</h2> <p>The perpetrators of violence can effectively weaponise the tax system by placing tax debts solely in the names of former partners, often because they have made them directors of companies or through family businesses operating through partnerships or trusts.</p> <p>There is a policy assumption that family members benefit from family partnerships.</p> <p>But this does not always hold in practice and can be problematic when there is economic abuse because Australian tax law requires victims report and pay tax on their “share” of the family partnership’s income.</p> <p>The average tax debt at the tax clinic is about $90,000. This can result in debilitating financial burdens, exhausted savings, insecure housing and prolonged economic instability, well after abusive relationships end.</p> <h2>Change is needed</h2> <p>Australia has no specific strategy for relief of tax debts caused by financial abuse. There are “serious hardship” provisions in Australian taxation law, but these are outdated and in need of <a href="https://theconversation.com/sometimes-people-can-do-with-a-break-3-ways-tax-debt-relief-rules-are-too-tough-156948">reform</a>.</p> <p>Usually people do not have the funds up front so the only way the Australian Taxation Office can collect debts from the abused partner is through (generally two-year) payment plans, offsetting future tax refunds, engaging external debt collectors and initiating bankruptcy proceedings.</p> <p>To that end, the decision announced in this year’s budget to give the Tax Commissioner discretion <a href="https://www.ato.gov.au/about-ato/new-legislation/in-detail/businesses/changes-to-offsetting-debts-on-hold">not to offset</a> against tax returns debts previously placed “on hold” is welcome.</p> <p>It will provide short-term relief by enabling abuse victims to get their refunds instead of having it used by the Tax Office to reduce their debt.</p> <p>Colleagues Christine Speidel, Leslie Book and I want this power extended to all <a href="https://papers.ssrn.com/sol3/papers.cfm?abstract_id=4746954">forms of tax debts</a> not just for tax debts that have been placed “on hold” especially where the taxpayer is known to have experienced financial abuse.</p> <p>But this wouldn’t go far enough – the victim-survivors would still have the perpetrator’s tax debt hanging over them.</p> <p>Where this happens, financial instability can <a href="https://www.commbank.com.au/content/dam/commbank-assets/support/2021-01/unsw-report-key-findings.pdf">drive women back</a> into abusive relationships.</p> <h2>The US shows what can be done</h2> <p>Legislative reform to shift tax liability from abuse survivors to perpetrators is the key to helping solve the problem.</p> <figure class="align-right zoomable"></figure> <p>The United States has offered some form of “<a href="https://www.irs.gov/individuals/innocent-spouse-relief">innocent spouse relief</a>” since 1971. In 2011 it widened eligibility and <a href="https://www.irs.gov/pub/irs-news/ir-11-080.pdf">removed a two-year time limit</a> for requesting relief.</p> <p>It is important to understand the US provisions apply because the country offers jointly filed “married” tax returns. In Australia tax returns are filed by individuals.</p> <p>Australia’s laws would need to change to ensure abused women do not find themselves jointly liable. Any changes should also include debts incurred in the name of partnerships and company directors.</p> <p>The US is the first and only country to do this, largely because of the advocacy of US low-income tax clinics over decades. Australia now has such clinics, funded as part of the Tax Office <a href="https://www.ato.gov.au/individuals-and-families/financial-difficulties-and-disasters/support-to-lodge-and-pay/national-tax-clinic-program">National Tax Clinic Program</a>.</p> <p>Australia’s adoption of US-style rules could provide a model for other jurisdictions, increase tax debt collection (as perpetrators are likely to have better capacity to pay than victims) and foster greater confidence in the Tax Office.</p> <p>Most importantly, it would acknowledge that victim-survivors with tax debts should not bear responsibility for debts incurred by perpetrators.</p> <hr /> <p><em>For information and advice about family and intimate partner violence contact 1800 RESPECT (<a href="https://www.1800respect.org.au/">1800 737 732</a>). If you or someone you know is in immediate danger, contact 000. The Men’s Referral Service (<a href="https://ntv.org.au/get-help/">1300 766 491)</a> offers advice and counselling to men looking to change their behaviour.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/232609/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></em></p> <p><em><a href="https://theconversation.com/profiles/ann-kayis-kumar-466422">Ann Kayis-Kumar</a>, Founding Director of UNSW Tax and Business Advisory Clinic, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a></em></p> <p><em>Image credits: Shutterstock</em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/australias-tax-system-is-being-weaponised-against-victims-of-domestic-abuse-heres-how-232609">original article</a>.</em></p> </div>

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John Farnham steps out at son's wedding for first time since jaw surgery

<p>Beloved Aussie rock legend John Farnham exuded pride and joy as he stepped out in style at his son Robert's wedding on the weekend. After enduring extensive surgery due to oral cancer, Farnham, now cancer-free, appeared in high spirits at the intimate wedding of his oldest son and his new wife, Melissa.</p> <p>The 74-year-old icon looked remarkably well and largely unchanged since his challenging surgery in August 2022. In the heartwarming photos shared on Instagram, John posed alongside his son, both beaming with happiness. John looked dapper in a black suit with a bronze tie and matching pocket square, while Rob opted for a stylish white tux with black accents.</p> <p>The joyous occasion was beautifully captured in a series of family photos, including John's wife, Jill, and other close family members. Fans flooded the comments with heartfelt messages, celebrating the happy family and John's remarkable recovery. "Such a beautiful father and son pic," one fan wrote, while another added, "Congratulations to you both. It's so nice to see your Dad, he looks fantastic! Love to you all."</p> <p>The bride, Melissa, looked stunning in an off-the-shoulder ivory gown, posing for romantic photos with her new husband against the lush backdrop of their wedding venue. Rob's touching caption on Instagram encapsulated the joy of the day: "Shared the happiest moment with my favourite person in the universe and she said I do. Melissa, my life is forever better that you’re apart of it. You looked radiant, beautiful and elegant. I can’t wait to see what the future has in store for us and I’m truly honoured to have you by my side as my wife for life❤️."</p> <p>The couple had announced their engagement in November 2022, with Rob expressing his excitement about their future together: "My best friend and love of my life said yes to marrying me. I can't wait to spend the rest of my life with you."</p> <p>John Farnham's presence at the wedding was particularly special, as it marked a year since his successful battle against cancer. In August 2023, Farnham revealed he was cancer-free, a triumph after numerous surgeries and a challenging recovery process. In a heartfelt statement, he shared his gratitude: "It's been a year since my first surgery and to be honest, I've lost count as to how many other procedures there have been since then. But, I'm home now and I'm a very grateful and happy man. I'm sitting here in my living room lapping up the attention from my beautiful wife, Jill, my boys Rob and James, and my mini Schnauzer, Edmund."</p> <p>Throughout his recovery, John's family provided updates on his progress. His son Robert shared that his father was "doing fantastic" after a 12-hour surgery for throat cancer and was even dancing a little and walking his dog regularly. "He's really, really happy. He's doing really good, he's super positive," Robert said in an interview.</p> <p>While it is unlikely that John will perform again after his extensive surgery, the love and joy he shared at his son's wedding are a beautiful reminder of life's precious moments.</p> <p><em>Images: Instagram</em></p>

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Beware of ‘tax hacks’ to maximise your return this year. The tax office is taking a close look at incorrect claims

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/ann-kayis-kumar-466422">Ann Kayis-Kumar</a>, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a></em></p> <p>For many people a tax refund is a much-anticipated lump sum of money.</p> <p>So, it is understandable Australians will be looking for ways to maximise their returns – particularly we are in a cost-of-living crisis.</p> <p>But, whether you do your own return or use a tax agent, taking risks is not advised.</p> <h2>Be wary of tax hacks</h2> <p>But be wary of “tax hacks” you might hear about from online sources (I’m looking at you, <a href="https://www.afr.com/companies/professional-services/tiktok-gst-fraud-hit-on-tax-office-blows-out-to-4-6b-20230813-p5dw2y">TikTok</a>). Two truisms spring to mind:</p> <p><strong>1. Don’t let the tax tail wag the dog</strong></p> <p>Many tax hacks suggest you spend considerable money on purchases up front to claim tax deductions. But a tax deduction isn’t actually worth the value amount of your spend.</p> <p>For example: let’s say you’re on a taxable income of A$60,000 per year, which puts you roughly in the <a href="https://www.afr.com/politics/how-wealthy-are-you-compared-to-everyone-else-in-eight-charts-20221214-p5c6a8">50th percentile</a> of income earners and means your <a href="https://www.ato.gov.au/tax-rates-and-codes/tax-rates-australian-residents#ato-Australianresidenttaxrates2020to2025">marginal tax rate is 32.5 cents</a>.</p> <p>You might spend $1,000 on a purchase in the hope of getting a sweet $1,000 tax deduction. However, you’re going to be $675 out of pocket. This is because that $1,000 deduction is only worth $325 (because tax is calculated on your taxable income, which is assessable income less allowable deductions).</p> <p>It will be worth even less next year because of the introduction of the <a href="https://www.abc.net.au/news/2024-02-27/stage-three-tax-cut-changes-pass-senate/103519338">revised Stage 3 tax cuts</a> and that’s a good thing because you’ll be paying less tax overall.</p> <p><strong>2. If it’s too good to be true, it probably is</strong></p> <p>Even if you use a registered tax agent (and it’s important to check they are registered by checking <a href="https://www.tpb.gov.au/public-register">the Tax Practitioners’ Board</a>), it’s a common pitfall to think any aggressive deductions they might suggest are their responsibility if the Australian Taxation Office (ATO) comes knocking. That’s not the case.</p> <p>Taxpayers are responsible for errors in returns made by their tax agents, so the ATO will hold you responsible.</p> <p>Indeed, the <a href="https://www.ato.gov.au/media-centre/ato-flags-3-key-focus-areas-for-this-tax-time">ATO has announced</a> it will be taking a close look at three common errors being made by taxpayers:</p> <ul> <li> <p>incorrectly claiming work-related expenses</p> </li> <li> <p>inflating claims for rental properties</p> </li> <li> <p>failing to include all income when lodging.</p> </li> </ul> <p>It might be tempting to think you’ve got away with over claiming deductions or under reporting income but the ATO has sophisticated systems to <a href="https://www.ato.gov.au/About-ATO/Commitments-and-reporting/Information-and-privacy/How-we-use-data-and-analytics">analyse your data</a>) and track your claims.</p> <p>You’ll need to substantiate your claims, so keep records. If the tax office finds mistakes, you could face <a href="https://www.ato.gov.au/individuals-and-families/paying-the-ato/interest-and-penalties/penalties/penalties-for-making-false-or-misleading-statements">financial penalties</a>, even jail time.</p> <p>Two months ago, a woman was sentenced to two years and six months jail and ordered to repay $39,600 after she lodged three fraudulent Business Activity Statements and received a GST refund to which she wasn’t entitled. While under investigation, she then sent eight false statements to the ATO and tried to claim more money.</p> <p>This is one on many individuals named on the <a href="https://www.ato.gov.au/about-ato/tax-avoidance/the-fight-against-tax-crime/our-focus/refund-fraud/gst-refund-fraud-attempts/operation-protego">ATO’s website</a> highlighting the results of regular crackdowns.</p> <h2>So, should I use a tax agent?</h2> <p>There are nearly 20.5 million active tax file numbers registered to individuals in Australia and last tax year the ATO received 13.7 million individual tax return lodgements. This was a 3% increase on the previous year. Of these lodgements more than 5.6 million were lodged by self-preparers and more than 8 million were lodged by tax agents.</p> <p>It <a href="https://theconversation.com/does-paying-for-tax-advice-save-money-only-if-youre-wealthy-184641">makes sense</a> most Australians use agents to prepare and lodge their tax returns. It’s easier, less stressful, gives you confidence the job is being done right and saves time.</p> <p>Having said that, it does come at a price (see above on the value of deductions), and previous research which finds that <a href="https://theconversation.com/does-paying-for-tax-advice-save-money-only-if-youre-wealthy-184641">every extra dollar spent on a tax agent</a> only yields an estimated tax savings of 20 cents), and if you have simple tax affairs then it’s relatively easy and quick to do it yourself.</p> <h2>How do I prepare my tax return?</h2> <p>Generally, everyone should be lodging an income tax return each year (or, if you don’t need to lodge a tax return, lodging a non-lodgement advice). The ATO has a “Do I need to lodge a tax return?” tool <a href="https://www.ato.gov.au/individuals-and-families/your-tax-return/before-you-prepare-your-tax-return/work-out-if-you-need-to-lodge-a-tax-return">if you’re unsure</a>.</p> <p>It also has a useful <a href="https://www.ato.gov.au/individuals-and-families/your-tax-return/how-to-lodge-your-tax-return/lodge-your-tax-return-online-with-mytax">two minute video</a> which steps you through the process for lodging with their online system myTax.</p> <p>For those of us with simple tax affairs, you just need to follow these steps:</p> <ol> <li> <p>gather and prepare all your information regarding income from work, interest, dividends and any other income such as capital gains from crypto assets or sale of shares</p> </li> <li> <p>then gather and prepare all your information on deductions and work expenses to be claimed making sure you have the evidence to back up your claims. This can be in the form receipts, invoices, log books and diary entries</p> </li> <li> <p>if you are a self-preparer you can log onto your myGov or the ATO’s app to prepare and lodge your return. If you wait until late-July you’ll have the benefit of the ATO’s pre-filled data, too. This gives you plenty of time to make the October 31 deadline.</p> </li> </ol> <p>There’s also the option to use the ATO’s free, volunteer-run TaxHelp program (provided you meet the <a href="https://www.ato.gov.au/individuals-and-families/your-tax-return/help-and-support-to-lodge-your-tax-return/tax-help-program">eligibility criteria</a>), your local Tax Clinic (<a href="https://www.ato.gov.au/individuals-and-families/financial-difficulties-and-disasters/support-to-lodge-and-pay/national-tax-clinic-program">details here</a>), or by seeking help from a registered tax agent. Just make sure you engage them before the October 31 deadline.</p> <h2>Where it might get tricky</h2> <p>But for others, for example if you have an ABN, it gets a bit more complicated. If you operate your business as a sole trader, you must lodge a tax return, even if your income is below the tax-free threshold.</p> <p>And if you have registered for GST – which you must do when your business or enterprise has a GST turnover of $75,000 or more, or if you are a taxi driver or Uber driver – then you will also need to submit quarterly BAS.</p> <p>It gets even more complicated for partnerships, trusts and companies, so it is best to seek the guidance and professional expertise of a registered tax agent, if you aren’t already.</p> <h2>What if I can’t afford a tax agent?</h2> <p>This year, many Australians are doing it tough. Indeed, research by the ASIC’s Moneysmart program estimates <a href="https://www.abc.net.au/news/2024-06-04/asic-survey-millions-of-australians-facing-financial-difficulty/103926704">more than five million Australians</a> are in financial strife.</p> <p>Many people will find it hard to prioritise paying a registered tax agent when they cannot afford basic necessities like food.</p> <p>If you’re in this situation, you might find it useful to get in touch with a free financial counsellor via the <a href="https://ndh.org.au/">National Debt Helpline</a> or the <a href="https://sbdh.org.au/">Small Business Debt Helpline</a>.</p> <h2>Don’t procrastinate</h2> <p>Don’t put off doing your tax. If you’re behind, it might seem daunting to get back on track, especially if you think you’ll have to pay extra tax this year instead of getting a refund. But not lodging your returns will backfire. Like avoiding a trip to the doctor to get a skin check, the longer you wait, the more the problem will grow.</p> <p>Reaching out to the ATO is the key because they have tools to support you, including payment plans. It also shows the ATO that you are willing to comply. Ultimately, being up to date will save you fines, interest and penalties.</p> <p>If you are one of the <a href="https://theconversation.com/worried-youll-lodge-a-late-tax-return-at-least-80-000-australians-cant-afford-tax-advice-211267">80,000 Australians in serious hardship</a> who need but can’t afford professional help to complete and lodge overdue returns, the government-funded <a href="https://www.ato.gov.au/General/Gen/National-Tax-Clinic-program/">National Tax Clinics Program</a> can help with free tax advice.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/231693/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/ann-kayis-kumar-466422">Ann Kayis-Kumar</a>, Associate Professor Ann Kayis-Kumar is the Founding Director of UNSW Tax and Business Advisory Clinic, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/beware-of-tax-hacks-to-maximise-your-return-this-year-the-tax-office-is-taking-a-close-look-at-incorrect-claims-231693">original article</a>.</em></p> </div>

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