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The financial reality check after a major diagnosis

Once you have received and processed your doctor’s diagnosis, take stock of the situation, because this will determine how you respond and what resources you have available to support you going forward. Who received the diagnosis – you or your spouse (if you have one)? Is it a terminal illness, chronic condition or treatable setback? If you are not yet retired, will you be able to keep working, need a period off work or will this bring forward your retirement? If leaving work temporarily, what are your prospects for re-entering the workforce? Will your partner need to leave their work to care for you (or vice versa)? Once you have clarified and considered this, spring into action as soon as possible. Revisit your spending Healthcare is expensive by any measure. Pensioners and healthcare card holders may get much or all of your treatment covered, but waiting times in the public system can be lengthy. For self-funded retirees, even with private health insurance, there can be considerable out-of-pocket costs: specialist visits, diagnostics, symptom management, physiotherapy and so on. Depending on the type of diagnosis, you may also need to modify your home (install ramps, railings etc.) and/or obtain specialist furniture and equipment. Then comes care requirements – private nurses, retirement living, hospice or palliative care. Your lifestyle may also change, and quickly. Your clothes and shoes may no longer fit if you lose weight rapidly. You may no longer be able to drive. You may need help with household chores – cleaning, cooking, gardening. Covering these requires money if you don’t have family and friends able to lend a helping hand. Carefully look at what supports your new reality demands and whether they will be one-off or ongoing expenses. Some things will need to be purchased, others could be hired to split the cost over the longer term. Secure your income Once you’ve established the impact on your ability to work and your spending needs, determine how you will pay for everything going forward. Your emergency fund can provide short-term cash if you need to stop working suddenly or fork out for large, unexpected bills. Depending on your age and circumstances, it may be worth bringing forward your retirement – allowing you to draw income from superannuation and focus more on your (or your partner’s) health. Check your insurances to see what claims you could make – having paid the premiums, now is the time make use of them. Relevant insurances include total permanent disability, income protection, trauma or critical illness cover. Meanwhile some life insurance policies may pay out based on a specialist’s diagnosis, unlocking much-needed funds sooner. Depending on your diagnosis, policy and the type of insurance, payouts may be a lump sum or smaller payments spaced out over time. Update your estate plans A major diagnosis typically elicits thoughts about mortality, legacy and how you want your loved ones to be provided for. Crucially, it may also influence factors such as guardianship of minors and pets while you are unwell/in hospital, Power of Attorney to cover important legal and financial decisions if you are incapacitated, and palliative care arrangements if required. Before heavy medications, surgeries or further deterioration of your health cloud your judgement, ensure your will and estate plans are updated to fully reflect your current needs and wishes. Look after yourself Stress, shock, anger and despair are common emotions to feel when faced with a major diagnosis. As such, it’s important you look after your mental and emotional wellbeing too. It needn’t cost a cent – you could look to free counselling services available such as Lifeline and Beyond Blue; a daily walk by the beach or through the local park; catching up with loved ones for support and companionship. Keeping your spirits up, as much as you can under the circumstances, can improve your quality of life while also helping you make clearer decisions about your health, finances and relationships – making it arguably the best investment of all. Back that up with sound legal, tax and financial advice. There is much to consider where insurance, superannuation, inheritances, Centrelink and more are involved, and you can’t know everything – especially when your focus is rightly elsewhere! 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> 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. Image credits: Shutterstock

Money & Banking

Olympian's life "a living nightmare" after simple self-check out mistake

A former Olympian has spoken about how her life was ruined after she accidentally failed to scan to items at a self-checkout machine in Walmart. Canadian athlete Meaggan Pettipiece, 48, was arrested on March 28 in Indiana for theft, possession of marijuana and possession of a controlled substance. The charges have since been dropped, but Pettipiece lost her prestigious job as the head coach of the Valparaiso University softball team as a result and says her career and reputation have been ruined. The ordeal began when the self-checkout machine at Walmart reportedly failed to scan the asparagus and ham that Pettipiece intended to purchase. Walmart security saw that she failed to scan the items — worth a total of $67 — prompting them to call the police despite her having paid $167 for her other groceries. Pettipiece was arrested and when police searched her they found three disposable vapes in her purse, along with two unopened blister packs containing anti-nausea medication Zofran. The former athlete said the vapes did not contain any nicotine or THC, and the anti-nausea pills belonged to an assistant coach who had asked her to keep them in her purse during a softball game, days before her arrest. “We both forgot about them,” Pettipiece told the National Post. The outlet reported that earlier this month, her lawyer submitted an application for dismissal that included her account of the incident, proof of her assistant’s prescription, and character reference letters. After reading the application, her charges were dropped by justice officials on September 19, but the damage caused by the incident "changed everything". “It is bittersweet,” she told National Post. “I’m happy, obviously, the charges were dismissed. The sad part is the damage it did to my career. It has changed everything in my life.” Pettipiece resigned as head coach of the softball team shortly after the Walmart incident. "It's been five months, a living nightmare. I lost my career, I lost my job, the life I was building and it's been really difficult." Along with the damage to her career, Pettipiece said the effect on her reputation has been equally heartbreaking. “The softball community is a tight-knit group and it (the news) went through like wildfire,” she said. “You really do learn who the people are that really believe in you and trust you and are truly a friend for you." The former athlete is now living in Ohio with her family, and though the charges against her have been dismissed she is worried the damage "can't be reversed". “The tough thing is, how do you get out to people that you are innocent? And this damage was done for something so ridiculous,” Pettipiece told the outlet. “I’m not sure of the future. For now, I’m going to stay at home and focus on my kids. I’d like to figure out which direction I’m going to go in.” Image: Valparaiso University Athletics/ ZikG / Shutterstock.com

Legal

Millions of Aussies to receive cash boost as welfare payments rise

Millions of Australians who rely on welfare payments will receive a much needed cash boost as of Friday, thanks to an indexation boost. Recipients of the age and disability pensions, rent assistance, carer payments, and JobSeeker payments will all receive the increase. Age pensioners, as well as those on the disability pension and carer payments, will see an increase of $28.10 a fortnight for singles and $42.40 a fortnight for couples. This boost will take the total payment per fortnight, including energy supplement, to $1114.40 for singles and $862.60 for each member of a couple. Maximum rates of Commonwealth rent assistance will also be increased by 10 per cent from today, with indexation applied on top, as single recipients, with no children, renting on their own, and receiving the maximum rate will get an additional $23 per fortnight in rent assistance. For families with one or two children, their payment will increase by $27.02 per fortnight. Single JobSeeker recipients with an assessed partial capacity to work of zero to 14 hours per week will move to the higher rate of JobSeeker, receiving $849.50 a fortnight (including the energy supplement and pharmaceutical allowance). "This indexation will deliver timely boosts to people receiving allowance payments and pensions, ensuring that these vulnerable cohorts have more money in their pockets for everyday expenses," Social Services Minister Amanda Rishworth said. A full breakdown of the payment changes <a title="can be found here" href="http://www.dss.gov.au/about-the-department/benefits-payments/previous-indexation-rates" target="_blank" rel="noopener">can be found here</a>. Image credits: Shutterstock

Money & Banking

How old’s too old to be a doctor? Why GPs and surgeons over 70 may need a health check to practise

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/christopher-rudge-108366">Christopher Rudge</a>, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a> A growing number of complaints against older doctors has prompted the Medical Board of Australia to <a href="https://www.medicalboard.gov.au/News/2024-08-07-Medical-Board-consults-on-new-approach-to-keep-late-career-doctors-in-safe-practice.aspx">announce</a> today that it’s reviewing how doctors aged 70 or older are regulated. Two new options are on the table. The first would require doctors over 70 to undergo a detailed health assessment to determine their current and future “fitness to practise” in their particular area of medicine. The second would require only general health checks for doctors over 70. A third option acknowledges existing rules requiring doctors to maintain their health and competence. As part of their <a href="https://www.medicalboard.gov.au/Codes-Guidelines-Policies/Code-of-conduct.aspx">professional code of conduct</a>, doctors must seek independent medical and psychological care to prevent harming themselves and their patients. So, this third option would maintain the status quo. <h2>Haven’t we moved on from set retirement ages?</h2> It might be surprising that stricter oversight of older doctors’ performance is proposed now. Critics of mandatory retirement ages in other fields – for judges, for instance – have long questioned whether these rules are “<a href="https://law.unimelb.edu.au/__data/assets/pdf_file/0019/2061019/02-Blackham.pdf">still valid in a modern society</a>”. However, unlike judges, doctors are already <a href="https://www.medicalboard.gov.au/Registration/Registration-Renewal.aspx">required to renew their registration</a> annually to practise. This allows the Medical Board of Australia not only to access sound data about the prevalence and activity of older practitioners, but to assess their eligibility regularly and to conduct <a href="https://www.ahpra.gov.au/Notifications/Further-information/Guides-and-fact-sheets/Performance-assessments.aspx">performance assessments</a> if and when they are needed. <h2>What has prompted these proposals?</h2> This latest <a href="https://www.ahpra.gov.au/documents/default.aspx?record=WD24%2f33840&dbid=AP&chksum=vCEdxXaBs0%2bMeMZFxSb7SQ%3d%3d&_gl=1*3ol06k*_ga*MzU1NjAzMTc1LjE3MjMwMDA1Nzc.*_ga_F1G6LRCHZB*MTcyMzAwMDU3Ny4xLjEuMTcyMzAwMDU4My4wLjAuMA..">proposal</a> identifies several emerging concerns about older doctors. These are grounded in external research about the effect of age on doctors’ competence as well as the regulator’s internal data showing surges of complaints about older doctors in recent years. Studies of medical competence in ageing doctors show <a href="https://qualitysafety.bmj.com/content/29/2/113">variable results</a>. However, the Medical Board of Australia’s consultation document emphasises studies of neurocognitive loss. It explains how physical and cognitive impairment can lead to poor record-keeping, improper prescribing, as well as disruptive behaviour. The other issue is the number of patient complaints against older doctors. These “notifications” have surged in recent years, as have the number of disciplinary actions against older doctors. In 2022–2023, the Medical Board of Australia took disciplinary action against older doctors about 1.7 times more often than for doctors under 70. In 2023, notifications against doctors over 70 were 81% higher than for the under 70s. In that year, patients sent 485 notifications to the Medical Board of Australia about older doctors – up from 189 in 2015. While older doctors make up only about 5.3% of the doctor workforce in Australia (less than 1% over 80), this only makes the high numbers of complaints more starkly disproportionate. It’s for these reasons that the Medical Board of Australia has determined it should take further regulatory action to safeguard the health of patients. <h2>So what distinguishes the two new proposed options?</h2> The “fitness to practise” assessment option would entail a rigorous assessment of doctors over 70 based on their specialisation. It would be required every three years after the age of 70 and every year after 80. Surgeons, for example, would be assessed by an independent occupational physician for dexterity, sight and the ability to give clinical instructions. Importantly, the results of these assessments would usually be confidential between the assessor and the doctor. Only doctors who were found to pose a substantial risk to the public, which was not being managed, would be obliged to report their health condition to the Medical Board of Australia. The second option would be a more general health check not linked to the doctor’s specific role. It would occur at the same intervals as the “fitness to practise” assessment. However, its purpose would be merely to promote good health-care decision-making among health practitioners. There would be no general obligation on a doctor to report the results to the Medical Board of Australia. In practice, both of these proposals appear to allow doctors to manage their own general health confidentially. <h2>The law tends to prioritise patient safety</h2> All state versions of the legal regime regulating doctors, known as the National Accreditation and Registration Scheme, include a “paramountcy” provision. <a href="https://www8.austlii.edu.au/cgi-bin/viewdoc/au/legis/act/consol_act/hprnl428/s3a.html">That provision</a> basically says patient safety is paramount and trumps all other considerations. <figure class="align-center zoomable"><figcaption></figcaption></figure> As with legal <a href="https://legislation.nsw.gov.au/view/html/inforce/current/act-2010-104a#sec.3">regimes regulating childcare</a>, health practitioner regulation prioritises the health and safety of the person receiving the care over the rights of the licensed professional. Complicating this further, is the fact that a longstanding principle of health practitioner regulation has been that doctors should not be “<a href="https://papers.ssrn.com/sol3/papers.cfm?abstract_id=3383892">punished</a>” for errors in practice. All of this means that reforms of this nature can be difficult to introduce and that the balance between patient safety and professional entitlements must be handled with care. <h2>Could these proposals amount to age discrimination?</h2> It is premature to analyse the legal implications of these proposals. So it’s difficult to say how these proposals interact with Commonwealth age- and other anti-discrimination laws. For instance, one complication is that the federal age discrimination statute includes an exemption to allow “qualifying bodies” such as the Medical Board of Australia to discriminate against older professionals <a href="https://www8.austlii.edu.au/cgi-bin/viewdoc/au/legis/cth/consol_act/ada2004174/s22.html?context=1;query=inherent;mask_path=au/legis/cth/consol_act/ada2004174">who are</a> “unable to carry out the inherent requirements of the profession, trade or occupation because of his or her age”. In broader terms, a licence to practise medicine is often compared to a <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC6797044/">licence to drive</a> or <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC10236877/">pilot an aircraft</a>. Despite <a href="https://www.smh.com.au/national/nsw/mandatory-test-older-drivers-facing-discrimination-says-pensioner-group-20170607-gwm45u.html">claims of discrimination</a>, New South Wales law requires older drivers to undergo a medical assessment <a href="https://www.nsw.gov.au/driving-boating-and-transport/driver-and-rider-licences/older-drivers-and-riders/assessments">every year</a>; and similar requirements affect older <a href="https://www.google.com/url?sa=t&source=web&rct=j&opi=89978449&url=https://www.casa.gov.au/guidelines-medical-assessment-aviation&ved=2ahUKEwil-9GXlOKHAxUdslYBHdN_EboQFnoECBkQAQ&usg=AOvVaw0SgpoCCKjNriMN20fs16rq">pilots and air traffic controllers</a>. <h2>Where to from here?</h2> When changes are proposed to health practitioner regulation, there is typically much media attention followed by a consultation and behind-the-scenes negotiation process. This issue is no different. How will doctors respond to the proposed changes? It’s too soon to say. If the proposals are implemented, it’s possible some older doctors might retire rather than undergo these mandatory health assessments. Some may argue that encouraging more older doctors to retire is precisely the point of these proposals. However, <a href="https://www1.racgp.org.au/newsgp/professional/ahpra-eyes-mandatory-health-checks-for-older-gps">others have suggested</a> this would only exacerbate shortages in the health-care workforce. The proposals are open for <a href="https://www.medicalboard.gov.au/News/Current-Consultations.aspx">public comment</a> until October 4.<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/236305/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/christopher-rudge-108366">Christopher Rudge</a>, Law lecturer, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/how-olds-too-old-to-be-a-doctor-why-gps-and-surgeons-over-70-may-need-a-health-check-to-practise-236305">original article</a>. </div>

Body

Woman cops hefty fine after "checking out surf"

A woman has lashed out at her local council after she copped a fine for $136 for a five-minute stop at a popular beach to assess the surf conditions. Amy Sloane stopped her car at The Esplanade at NSW's Caves Beach to get a sense of the surf conditions on July 6th, and was unknowingly being watched by a parking inspector. Ms Sloane was shocked to receive the fine in the post a few weeks later, arguing that her actions didn't justify the fine. "How do I feel? P***ed off," she told Yahoo News. "Rangers can't fine people who don't pick up after their dogs on our beaches, but can secretly fine you without you knowing for just checking out the surf for five minutes." She also called the council workers "cowards", saying the area she stopped in is often used by locals and tourists to get a look at the surf, and even whale watch occasionally during migration season. As she continued to defend her actions, Lake Macquarie City Council clarified that the infringement stated the driver parallel parked in the opposite direction of travel, which is a known "safety offence under Australia Road Rules". It is illegal in all Australian states and territories to park your car in the opposite direction of traffic on any road. "The fine at hand was issued for not parallel parking in the direction of travel, which is a safety offence under Australian Road Rules. The driver's vehicle crossed double white lines and was parked near a bend, facing oncoming traffic, which further heightened safety concerns," a council spokesperson said. After expressing her annoyance on social media, many agreed the fine was warranted, saying she had done the wrong thing, regardless of how long she was there for. Other locals chimed in and said "it happens all the time" despite it being a fineable offence. "If you think the fine is wrong, fight it. If you were parked incorrectly, wear the fine," another said. Sloane confirmed to <a href="https://au.news.yahoo.com/woman-fined-136-after-checking-out-surf-at-popular-beach-084002221.html?guccounter=1" target="_blank" rel="noopener">Yahoo News</a> she will begrudgingly pay the fine. Image credits: Facebook / Shutterstock

Money & Banking

Take my (bad) breath away – causes of halitosis and how to check whether you have it

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/dan-baumgardt-1451396">Dan Baumgardt</a>, <a href="https://theconversation.com/institutions/university-of-bristol-1211">University of Bristol</a> In Greek mythology, the many-headed beast <a href="https://mythopedia.com/topics/hydra">Hydra</a> had such severe <a href="https://patient.info/oral-dental-care/bad-breath-halitosis">halitosis</a> that the stench of its breath was deadly to anyone who smelled it. Thankfully, our morning breath might not be that pungent – although eating <a href="https://www.healthline.com/health/get-rid-of-garlic-onion-breath">onions or garlic</a> can put some people in competition with the Hydra. Halitosis has many causes (aside from poor oral hygiene) and can indicate problems with the gut, the sinuses and even the bloodstream. In fact, breath samples can even be tested to make formal diagnoses of health conditions. One condition that can affect the smell of breath is <a href="https://www.diabetes.org.uk/">diabetes mellitus</a>. This is a metabolic disorder where sugar (glucose) is unable to access the body’s cells where it is needed to provide energy, and so rises in the bloodstream. In some instances, such as insufficient insulin dosing, or infection, the body’s response is to break down fats into compounds called ketones to act as a rapid form of fuel. This serious condition is called <a href="https://www.nhs.uk/conditions/diabetic-ketoacidosis/">diabetic ketoacidosis</a>. Ketones have a distinctive scent. <a href="https://www.gov.uk/government/publications/acetone-properties-and-incident-management/acetone-general-information">Acetone</a>, which is also an ingredient in some nail varnish removers, is one of these ketones and has the smell of pear drops. When ketones build up in the bloodstream they easily <a href="https://iopscience.iop.org/article/10.1088/0967-3334/32/8/N01/pdf">diffuse into the breath</a>, giving it a <a href="https://www.medicalnewstoday.com/articles/319683">fruity odour</a>. It’s not just diabetes that can trigger ketone production. <a href="https://pubmed.ncbi.nlm.nih.gov/36033148/">Some diets</a> are based on generating ketones from the breakdown of fats to promote weight loss. These methods, such as the <a href="https://www.healthline.com/nutrition/atkins-diet-101">Atkins diet</a>, force the body to convert fat into energy by restricting carbohydrates. <figure><iframe src="https://www.youtube.com/embed/5U8IDO1fHlU?wmode=transparent&start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe></figure> Other diets based on the same principles include the <a href="https://patient.info/healthy-living/weight-loss-weight-reduction/52-diet">5:2</a> intermittent fasting diet. On this diet, followers restrict food intake on two days of the week to significantly reduce calorie consumption – and make the body produce ketones. These diets may help weight loss, but the side-effects can be grim. One of the most notorious side-effects is foul breath, although there are also anecdotal reports of <a href="https://www.forbes.com/sites/brucelee/2019/03/03/is-keto-crotch-really-a-side-effect-of-the-keto-diet/">“keto crotch”</a> where some followers of keto diets complain of strong genital odour. <h2>Bacteria and breath</h2> Another cause of bad breath is an <a href="https://iopscience.iop.org/article/10.1088/1752-7155/4/1/017003/pdf">overgrowth of bacteria</a> that produce foul smells. There are plenty of nooks and crannies in the mouth for bacteria to hide, grow and fester, especially the hard-to-clean areas – in between the teeth, and in and around the gums and tongue – or out-of-reach places, such as right at the back of the mouth and the throat. The throat acts as a passage for food, fluids and air. Some patients can develop a condition called <a href="https://www.entuk.org/patients/conditions/49/pharyngeal_pouch_surgery_new">pharyngeal pouch</a>. This is where a pocket forms at the back of the pharynx (the medical name for the throat) in which food and fluids can accumulate, ferment and give breath a pungent odour. Bacteria can also trigger infections in the mouth, like tonsillitis and tooth abscesses where tissues become inflamed, or develop purulence (production of pus). Pus is a collection of different dead cells, including bacteria, and it too can give off a putrid smell. Also, <a href="https://pubmed.ncbi.nlm.nih.gov/25234037/">sinusitis</a> – which is an infection of the air-filled cavities in the skull – can drip foul-smelling infected secretions into the throat, causing bad breath. <h2>Breath tests</h2> Doctors can test breath for bacteria to diagnose some health conditions. For example, <a href="https://pubmed.ncbi.nlm.nih.gov/28891138/">Helicobacter pylori</a>, bacteria that can irritate the gut and lead to the development of potentially dangerous ulcers, turns the compound urea into carbon dioxide. To test for H pylori, a <a href="https://www.nhs.uk/conditions/stomach-ulcer/diagnosis/">diagnostic breath test</a> is performed before and after dosing a patient with urea. If the patient exhales increased levels of carbon dioxide after being dosed with urea, then the test is positive. Breath can also be tested for an overgrowth of bacteria in the <a href="https://www.healthline.com/health/sibo">small intestine</a> (Sibo), which can lead to symptoms like abdominal pain and bloating. Sibo produces gases like hydrogen and methane that can also be detected with a breath test. If you’re worried about pongy breath and don’t have any medical issues, then you can <a href="https://www.healthline.com/health/dental-and-oral-health/how-to-smell-your-own-breath">test your own breath</a>. The age-old method is to lick the back of your wrist, let it dry and then have a sniff. You can also do the same with a tongue scraper, dental floss or a sample of breath exhaled into a cupped hand. <figure><iframe src="https://www.youtube.com/embed/ak5UEM8FK2s?wmode=transparent&start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe></figure> Often, we can become used to the smell of our own breath. We might only notice when it becomes really bad, or when there are other symptoms, like a foul taste in the mouth. Or when someone plucks up the courage to finally tell you that you have a case of the breath pongs. Suppose someone has broken the news – what do you do now? <a href="https://www.nhs.uk/conditions/bad-breath/">Simple measures can work well</a>, including regular fluid intake – <a href="https://www.dentalhealth.org/bad-breath">dry mouth</a> can lead to bad breath so make sure you’re drinking enough water – and good oral hygiene. This involves brushing the teeth, tongue and flossing between your teeth to eliminate any bacterial hot spots, as well as regular checkups at the dentist. Mouthwash can be an effective temporary solution but there’s evidence that a <a href="https://theconversation.com/eating-leafy-greens-could-be-better-for-oral-health-than-using-mouthwash-221181#:%7E:text=But%20research%20has%20indicated%20that,alternative%20for%20treating%20oral%20disease.">diet rich in leafy greens</a> might be even better at countering bad breath. Smoking is another potential underlying <a href="https://www.healthline.com/health/how-to-get-rid-of-cigarette-breath#1-brush-teeth">cause of halitosis</a>. So if you want sweeter breath, pack in the cigarettes – yet another good reason to give up.<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/231858/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/dan-baumgardt-1451396">Dan Baumgardt</a>, Senior Lecturer, School of Physiology, Pharmacology and Neuroscience, <a href="https://theconversation.com/institutions/university-of-bristol-1211">University of Bristol</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/take-my-bad-breath-away-causes-of-halitosis-and-how-to-check-whether-you-have-it-231858">original article</a>. </div>

Body

Why do airlines charge so much for checked bags? This obscure rule helps explain why

<a href="https://theconversation.com/profiles/jay-l-zagorsky-152952">Jay L. Zagorsky</a>, <a href="https://theconversation.com/institutions/boston-university-898">Boston University</a> Five out of the six <a href="https://www.oag.com/blog/biggest-airlines-in-the-us">biggest U.S. airlines</a> have <a href="https://www.cnbc.com/2024/03/05/delta-is-the-latest-airline-to-raise-its-checked-bag-fee.html">raised their checked bag fees</a> since January 2024. Take American Airlines. In 2023, it cost US$30 to check a standard bag in with the airline; <a href="https://www.usatoday.com/story/travel/airline-news/2024/02/20/american-airlines-bag-fees-mileage-earning/72669245007/">today, as of March 2024, it costs $40</a> at a U.S. airport – a whopping 33% increase. As a <a href="https://www.bu.edu/questrom/">business school</a> <a href="https://www.bu.edu/questrom/profile/jay-zagorsky/">professor who studies travel</a>, I’m often asked why airlines alienate their customers with baggage fees instead of bundling all charges together. <a href="https://www.vox.com/2015/4/16/8431465/airlines-carry-on-bags">There are</a> <a href="https://www.usatoday.com/story/travel/columnist/2023/06/21/bag-fees-will-stay-a-while-cruising-altitude/70338849007/">many reasons</a>, but an important, often overlooked cause is buried in the U.S. tax code. <h2>A tax-law loophole</h2> Airlines pay the federal government <a href="https://www.ecfr.gov/current/title-26/chapter-I/subchapter-D/part-49/subpart-D">7.5% of the ticket price</a> when <a href="https://www.pwc.com/us/en/services/tax/library/aircraft-club-nov-2023-air-transport-excise-tax-rates-for-2024.html">flying people domestically, alongside other fees</a>. The airlines dislike these charges, with their <a href="https://www.airlines.org/dataset/government-imposed-taxes-on-air-transportation/">trade association arguing</a> that they boost the cost to the consumer of a typical air ticket by around one-fifth. However, the U.S. Code of Federal Regulations <a href="https://www.ecfr.gov/current/title-26/chapter-I/subchapter-D/part-49/subpart-D/section-49.4261-8">specifically excludes baggage</a> from the 7.5% transportation tax as long as “the charge is separable from the payment for the transportation of a person and is shown in the exact amount.” This means if an airline charges a combined $300 to fly you and a bag round-trip within the U.S., it owes $22.50 in tax. If the airline charges $220 to fly you plus separately charges $40 each way for the bag, then your total cost is the same — but the airline only owes the government $16.50 in taxes. Splitting out baggage charges saves the airline $6. Now $6 might not seem like much, but it can add up. Last year, passengers took <a href="https://www.transtats.bts.gov/Data_Elements.aspx?Data=1">more than 800 million trips on major airlines</a>. Even if only a fraction of them check their bags, that means large savings for the industry. How large? The government has <a href="https://www.bts.dot.gov/topics/airlines-and-airports/baggage-fees-airline-2023">tracked revenue from bag fees</a> for decades. In 2002, airlines charged passengers a total of $180 million to check bags, which worked out to around 33 cents per passenger. Today, as any flyer can attest, bag fees are a lot higher. Airlines collected over 40 times more money in bag fees last year than they did in 2002. When the full data is in for 2023, <a href="https://www.bts.dot.gov/baggage-fees">total bag fees</a> will likely top $7 billion, which is about $9 for the average domestic passenger. <a href="https://viewfromthewing.com/the-real-reason-airlines-charge-checked-bag-fees-and-its-not-what-you-think">By splitting out the cost of bags</a>, airlines avoided paying about half a billion dollars in taxes just last year. In the two decades since 2002, flyers paid a total of about $70 billion in bag fees. This means separately charging for bags saved airlines about $5 billion in taxes. <iframe id="88MYD" class="tc-infographic-datawrapper" style="border: none;" src="https://datawrapper.dwcdn.net/88MYD/2/" width="100%" height="400px" frameborder="0"></iframe> It seems clear to me that tax savings are one driver of the unbundling of baggage fees because of a quirk in the law. The U.S. government doesn’t apply the 7.5% tax to <a href="https://www.ecfr.gov/current/title-26/chapter-I/subchapter-D/part-49/subpart-D/section-49.4261-3">international flights that go more than 225 miles</a> beyond the nation’s borders. Instead, there are fixed <a href="https://www.airlines.org/dataset/government-imposed-taxes-on-air-transportation">international departure and arrival taxes</a>. This is why major airlines charge $35 to $40 <a href="https://www.aa.com/i18n/travel-info/baggage/checked-baggage-policy.jsp">for bags if you’re flying domestically</a>, but don’t charge a bag fee when you’re flying to Europe or Asia. <h2>Do travelers get anything for that money?</h2> This system raises an interesting question: Do baggage fees force airlines to be more careful with bags, since customers who pay more expect better service? To find out, I checked with the Bureau of Transportation Statistics, which has been <a href="https://www.bts.gov/content/mishandled-baggage-reports-filed-passengers-largest-us-air-carriersa">tracking lost luggage for decades</a>. For many years, it calculated the number of mishandled-baggage reports per thousand airline passengers. The government’s data showed mishandled bags peaked in 2007 with about seven reports of lost or damaged luggage for every thousand passengers. That means you could expect your luggage to go on a different trip than the one you are taking about once every 140 or so flights. By 2018, that estimate had fallen to once every 350 flights. In 2019, the government <a href="https://www.bts.gov/topics/airlines-and-airports/number-30a-technical-directive-mishandled-baggage-amended-effective-jan">changed how it tracks</a> mishandled bags, calculating figures based on the total number of bags checked, rather than the total number of passengers. The new data show about six bags per thousand checked get lost or damaged, which is less than 1% of checked bags. Unfortunately, the data doesn’t show improvement since 2019. Is there anything that you can do about higher bag fees? Complaining to politicians probably won’t help. In 2010, two senators <a href="https://www.nj.com/business/2010/04/us_senators_present_bill_to_ba.html">tried to ban bag fees</a>, and their bill went nowhere. Given that congressional action failed, there’s a simple way to avoid higher bag fees: <a href="https://www.cnn.com/travel/article/packing-expert-travel-world-handbag/index.html">travel light</a> and <a href="https://www.nytimes.com/2023/07/08/opinion/carry-on-packing-airlines-lost-luggage.html">don’t check any luggage</a>. It may sound tough not to have all your belongings when traveling, but it might be the best option as bag fees take off.<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/225857/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/jay-l-zagorsky-152952">Jay L. Zagorsky</a>, Associate Professor of Markets, Public Policy and Law, <a href="https://theconversation.com/institutions/boston-university-898">Boston University</a> This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/why-do-airlines-charge-so-much-for-checked-bags-this-obscure-rule-helps-explain-why-225857">original article</a>.

Travel Trouble

Could you cope with a shock to your bank balance? 5 ways to check you are financially resilient

<a href="https://theconversation.com/profiles/bomikazi-zeka-680577">Bomikazi Zeka</a>, <a href="https://theconversation.com/institutions/university-of-canberra-865">University of Canberra</a> Imagine the dentist has just said you urgently need a A$2,000 dental crown. A week later, a pipe in your bathroom bursts, causing $8,000 worth of damage. Suddenly, you’ve been hit with a $10,000 financial shock. As the cost-of-living crisis plunges more households into financial uncertainty and at least <a href="https://melbourneinstitute.unimelb.edu.au/data/taking-the-pulse-of-the-nation-2022/2023/australians-face-challenging-budgetary-constraints#:%7E:text=Over%20the%20past%20six%20months,has%20increased%20to%2060%20percent.">one-third</a> of Australians struggle to make ends meet, it’s more important than ever to ask yourself: how financially resilient am I? Being financially resilient means you aren’t left financially devastated when an expensive emergency creeps up on you. Here are five key signs of financial resilience. <h2>1. You have a plan for what you’d do if you suddenly lost your salary</h2> Financial resilience means having a plan to fall back on during tough times. This extends to how you’d make money if you lost your job. In practice, that means things like making sure your skills and contacts are kept up to date so you can more easily find a new job. You might also consider whether a “side hustle” job such as tutoring could work for you in the short term, and how you’d put that plan into practice if needed. Perhaps you have a spare room in your home you could rent out for a period of time if you lost your salary. Those examples won’t work for everyone, of course, but it’s still worth asking yourself the question: what would I do if I lost my salary tomorrow? <h2>2. You have enough liquid assets to meet an unexpected financial expense</h2> Liquid assets means money that can be accessed quickly and easily to overcome an unplanned financial expense. Savings are a good example. They provide a buffer so you can cope in the short term if a financial shock strikes. The federal government’s Moneysmart website suggests you aim to have enough in your emergency savings fund to cover <a href="https://moneysmart.gov.au/saving/save-for-an-emergency-fund">three months of expenses</a>. Having an <a href="https://moneysmart.gov.au/glossary/offset-account">offset account</a> as part of a mortgage is another option that provides a buffer. Putting money in an offset account helps you save while reducing the amount of interest on a home loan. You can still access the money in an offset account at any time. <h2>3. You have bought the right financial products, such as insurance</h2> Financial products, such as insurance, hedge against potential losses. Personal insurance is important because it provides income in the event of death, illness or injury. Examples include: <ul> <li> life insurance (which pays out to your beneficiaries, such as your partner or children, when you die) </li> <li> total and permanent disability insurance (which means you may get some money if you acquire a disability that prevents you from working) </li> <li> income protection (which provides you with an income if you can no longer work) </li> <li> trauma cover (which covers a life-changing illness or injury, such as cancer or a stroke). </li> </ul> Check if your superannuation has any of these insurances included in it. <a href="https://www.griffith.edu.au/__data/assets/pdf_file/0030/295770/FPRJ-V4-ISS1-pp-53-75-insurance-literacy-in-australia.pdf">Research</a> has found that many Australians are underinsured. <h2>4. You can still pay your debts when times are tough</h2> Being able to borrow money can help when you’re in a tight spot. But knowing where to borrow from, how much to borrow and how to manage debt repayments is crucial. Financially resilient people use debt responsibly. That means: <ul> <li> not using debt for frivolous expenses like after-work drinks </li> <li> staying away from private money lenders </li> <li> being cautious about buy-now-pay-later services </li> <li> watching out for debts with high interest rates, such as payday loans and credit card debt </li> <li> maintaining debt repayments consistently. </li> </ul> If you’re having debt problems, talk to your lender about renegotiating your repayment arrangements, or contact the <a href="https://ndh.org.au/">National Debt Helpline</a> on 1800 007 007. <h2>5. You are financially literate</h2> Being financially literate means you can assess the benefits and risks of using savings or taking out debt to meet an unplanned financial need. As I have <a href="https://theconversation.com/are-you-financially-literate-here-are-7-signs-youre-on-the-right-track-202331">written</a> before on The Conversation, key signs of financial literacy include tracking your cashflow, building a budget, as well as understanding what debts you have and which to pay first. It also means storing your money across different places (such as superannuation, savings accounts, property and the share market) and understanding how financial assets like cash, shares and bonds work. Being aware of your financial strengths and weaknesses, and having financial goals is also important. Nobody is born knowing how to make sound financial decisions; it’s a skill that must be learned. It’s good to think about the resources you would draw upon to help get yourself out of a difficult financial situation – well before disaster strikes.<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/218126/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/bomikazi-zeka-680577">Bomikazi Zeka</a>, Assistant Professor in Finance and Financial Planning, <a href="https://theconversation.com/institutions/university-of-canberra-865">University of Canberra</a> Image credits: Getty Images 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/could-you-cope-with-a-shock-to-your-bank-balance-5-ways-to-check-you-are-financially-resilient-218126">original article</a>.

Money & Banking

"They checked the lungs": Jackie O rushed to hospital mid-show

Radio star Jackie O Henderson, known for her vibrant presence on the airwaves, has faced a serious health scare that led to her being rushed to Sydney’s Royal North Shore Hospital in the middle of the Kyle and Jackie O show. The 48-year-old opened up about the incident, revealing details of the tests and emotions she experienced during this unexpected hospital visit. Jackie O's health ordeal unfolded during a live segment on her KIIS FM radio show, where she left the show abruptly, citing symptoms akin to a heart attack, including tingling down her arm – a classic indicator of cardiac distress. Upon arriving at the hospital, Jackie O underwent a battery of urgent tests, ranging from an ECG to a CAT scan. Speaking to her concerned listeners the next morning, she highlighted the professionalism and dedication of the hospital staff, emphasising the seriousness with which they approached her situation. “I just got a bunch of tests done all day and they have to go all out on everything so I had to get an ECG done," she explained. “Then they checked the lungs because those are the two things that cause chest pains. They take it super seriously, and they were incredible at the hospital.” Despite the initial concerns, Jackie O shared the relief of being given the all-clear by the hospital. Surprisingly, her symptoms were attributed to an infection rather than cardiac issues. Even in the midst of health concerns, Jackie O found moments of levity during her hospital stay. She humorously recounted an encounter with a man who, even in a post-anaesthesia haze, was able to recognise her. “He looks at me and he locks eyes with me and gives me this puzzled look of recognition," she recounted. "I’m laughing so much because I’ve never seen someone bewildered so much in my life.” Henderson said the man then looked at another man resting on the other side of her before he “turned to me and said, ‘Is that Kyle?’” Jackie O had recently undergone surgery to remove a uterine polyp, a procedure she <a href="https://www.oversixty.com.au/health/body/john-laws-hangs-up-in-disgust-on-kyle-and-jackie-o" target="_blank" rel="noopener">infamously shared with her audience</a>. The lack of sleep post-surgery, combined with the impact of melatonin tablets and energy drinks, likely contributed to her overall fatigue and health episode.

Caring

5 important things to check off your list before your next cruise

The tickets are booked! Here’s what you need to do before you set sail. 1. Visit your doctor Hope for the best and plan for the worst – it’s a good motto to travel by. Visit your doctor to see if you need any vaccinations or medications for exotic locations, and make sure you’re stocked up on all your regular medications. It is a good idea to bring some extras as well as some basic first aid meds (think pain killers and anti nausea tablets) as these can be expensive or hard to come by. 2. Research your ports You only have a short time in each port, so you’ll want to make the most of it. Do some research before you leave and decide what you want to see, how long it will (realistically take) and think about whether you want to take an organised tour. We’re not saying you have to plan a rigid schedule and stick to it, but a rough plan of how you want to spend your day will save time and stress. 3. Check the weather It’s amazing how quickly the weather can change or an unexpected storm can spring up. Keep an eye on the weather for the days before your cruise so you can pack accordingly. That might mean adding in a few extra jumpers or doubling up on the sunscreen. You will have limited opportunities to buy these things onboard and they can be really expensive. You also don’t want to waste a day in port running around looking for something to wear. 4. Talk to your travel buddy How do you imagine you’ll be spending your days? Flopped by the pool or out exploring your next port? Hitting the dancefloor til the wee hours or getting an early night so you can be up for sunrise yoga? These are good conversations to have with your travel partner before you set sail. There’s no right or wrong answer, but many travel arguments have started because people have different ideas of the perfect holiday. 5. Organise your insurance You really should do this when you book your tickets as you’ll be covered from then right up until your cruise at no extra cost. But if you’re left it to the last minute, never fear! Jump online and get yourself insured. Many companies offer policies specific to cruising, so everything you need will be covered. And don’t think that you can skip it if you’re only cruising in Australian waters – Medicare won’t cover you onboard. Image credits: Getty Images

Cruising

Forcing people to repay welfare ‘loans’ traps them in a poverty cycle – where is the policy debate about that?

<a href="https://theconversation.com/profiles/hanna-wilberg-1466649">Hanna Wilberg</a>, <a href="https://theconversation.com/institutions/university-of-auckland-1305">University of Auckland</a> The National Party’s <a href="https://www.1news.co.nz/2023/09/26/more-sanctions-for-unemployed-beneficiaries-under-national/">pledge to apply sanctions</a> to unemployed people receiving a welfare payment, if they are “persistently” failing to meet the criteria for receiving the benefit, has attracted plenty of comment and <a href="https://www.1news.co.nz/2023/09/26/nationals-benefit-sanctions-plan-cruel-dehumanising-greens/">criticism</a>. Less talked about has been the party’s promise to index benefits to inflation to keep pace with the cost of living. This might at least provide some relief to those struggling to make ends meet on welfare, though is not clear how much difference it would make to the current system of indexing benefits to wages. In any case, this alone it is unlikely to break the cycle of poverty many find themselves in. One of the major drivers of this is the way the welfare system pushes some of the most vulnerable people into debt with loans for things such as school uniforms, power bills and car repairs. The government provides one-off grants to cover benefit shortfalls. But most of these grants are essentially loans. People receiving benefits are required to repay the government through weekly deductions from their normal benefits – which leaves them with even less money to survive on each week. With <a href="https://www.stuff.co.nz/pou-tiaki/132980318/auckland-mother-serves-up-cereal-for-dinner-due-to-rising-food-costs">rising costs</a>, the situation is only getting worse for many of the 351,756 New Zealanders <a href="https://figure.nz/chart/TtiUrpceJruy058e-ITw010dHsM6bvA2a">accessing one of the main benefits</a>. <h2>Our whittled down welfare state</h2> Broadly, there are three levels of government benefits in our current system. The main benefits (such as jobseeker, sole parent and supported living payment) <a href="https://www.workandincome.govt.nz/products/benefit-rates/benefit-rates-april-2023.html">pay a fixed weekly amount</a>. The jobseeker benefit rate is set at NZ$337.74 and sole parents receive $472.79 a week. Those on benefits have access to a second level of benefits – weekly supplementary benefits such as an <a href="https://www.workandincome.govt.nz/products/a-z-benefits/accommodation-supplement.html">accommodation supplement</a> and other allowances or tax credits. The third level of support is one-off discretionary payments for specific essential needs. Those on benefits cannot realistically make ends meet without repeated use of these one-off payments, unless they use assistance from elsewhere – such as family, charity or borrowing from loan sharks. This problem has been building for decades. <h2>Benefits have been too low for too long</h2> In the 1970s, the <a href="https://mro.massey.ac.nz/handle/10179/12967">Royal Commission on Social Security</a> declared the system should provide “a standard of living consistent with human dignity and approaching that enjoyed by the majority”. But Ruth Richardson’s “<a href="https://www.stuff.co.nz/the-press/christchurch-life/124978983/1991-the-mother-of-all-budgets">mother of all budgets</a>” in 1991 slashed benefits. Rates never recovered and today’s <a href="https://www.1news.co.nz/2022/03/29/benefit-increases-will-still-leave-families-locked-in-poverty/">benefits are not enough to live on</a>. In 2018, the <a href="https://www.weag.govt.nz/">Welfare Expert Advisory Group</a> looked at how much money households need in two lifestyle scenarios: bare essentials and a minimum level of participation in the community, such as playing a sport and taking public transport. The main benefits plus supplementary allowances did not meet the cost of the bare essentials, let alone minimal participation. The Labour government has since <a href="https://www.beehive.govt.nz/release/government-delivers-income-increases-over-14-million-new-zealanders">increased benefit rates</a>, meaning they are now slightly above those recommended by the advisory group. But those recommendations were made in 2019 and don’t take into account the <a href="https://www.stats.govt.nz/news/annual-inflation-at-6-0-percent">sharp rise in inflation</a> since then. Advocacy group <a href="https://fairerfuture.org.nz/">Fairer Future</a> published an updated assessment in 2022 – nine out of 13 types of households still can’t meet their core costs with the current benefit rates. <h2>How ‘advances’ create debt traps</h2> When they don’t have money for an essential need, people on benefits can receive a “special needs grant”, which doesn’t have to be repaid. But in practice, Work and Income virtually never makes this type of grant for anything except food and some other specific items, such as some health travel costs or emergency dental treatment. For <a href="https://www.1news.co.nz/2023/02/27/very-stressful-beneficiary-says-he-cant-afford-msd-debt/">all other essential needs</a> – such as school uniforms, car repairs, replacing essential appliances, overdue rent, power bills and tenancy bonds – a one-off payment called an “advance” is used. Advances are loans and have to be paid back. There are several issues with these types of loans. First, people on benefits are racking up thousands of dollars worth of debts to cover their essential needs. It serves to trap them in financial difficulties for the foreseeable future. As long as they remain on benefits or low incomes, it’s difficult to repay these debts. And the <a href="https://www.legislation.govt.nz/act/public/2018/0032/latest/whole.html">Social Security Act 2018</a> doesn’t allow the Ministry of Social Development (MSD) to waive debts. <h2>Contradictory policies</h2> Another problem is that people on benefits have to start repaying their debt straight away, with weekly deductions coming out of their already limited benefit. Each new advance results in a further weekly deduction. Often these add up to $50 a week or more. MSD policy says repayments should not add up to more than $40 a week, but that is often ignored. This happens because the law stipulates that each individual debt should be repaid in no more than two years, unless there are exceptional circumstances. Paying this debt off in two years often requires total deductions to be much higher than $40. The third issue is that one-off payments can be refused regardless of the need. That is because there are two provisions pulling in opposite directions. On the one hand the law says a payment should be made if not making it would cause serious hardship. But on the other hand, the law also says payments should not be made if the person already has too much debt. People receiving benefits and their case managers face the choice between more debt and higher repayments, or failing to meet an essential need. <h2>Ways to start easing the burden</h2> So what is the fix? A great deal could be achieved by just changing the policies and practices followed by Work and Income. Case managers have the discretion to make non-recoverable grants for non-food essential needs. These could and should be used when someone has an essential need, particularly when they already have significant debt. Weekly deductions for debts could also be automatically made very low. When it comes to changing the law, the best solution would be to make weekly benefit rates adequate to live on. The government could also make these benefit debts similar to student loans, with no repayments required until the person is off the benefit and their income is above a certain threshold. However we do it, surely it must be time to do something to fix this poverty trap.<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/212528/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/hanna-wilberg-1466649">Hanna Wilberg</a>, Associate professor - Law, <a href="https://theconversation.com/institutions/university-of-auckland-1305">University of Auckland</a> Image credits: Getty Images 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/forcing-people-to-repay-welfare-loans-traps-them-in-a-poverty-cycle-where-is-the-policy-debate-about-that-212528">original article</a>.

Money & Banking

Should I be getting my vitamin D levels checked?

<a href="https://theconversation.com/profiles/elina-hypponen-108811">Elina Hypponen</a>, <a href="https://theconversation.com/institutions/university-of-south-australia-1180">University of South Australia</a> Australia has seen a <a href="https://insightplus.mja.com.au/2023/29/gps-urged-not-to-routinely-test-children-for-vitamin-d/">surge in vitamin D testing</a> of children, with similar trends reported for adults around the <a href="https://pubmed.ncbi.nlm.nih.gov/29659534/">world</a>. GPs are now <a href="https://insightplus.mja.com.au/2023/29/gps-urged-not-to-routinely-test-children-for-vitamin-d/">being urged</a> not to test for vitamin D unnecessarily. So when is low vitamin D a potential concern? And when might you need to get your levels tested? <h2>How much vitamin D do we need?</h2> Vitamin D is not only a nutrient – when metabolised in the body it acts as a <a href="https://pubmed.ncbi.nlm.nih.gov/29080638/">hormone</a>. We have receptors for this hormone all around our body and it helps regulate the metabolism of calcium and phosphorus. Vitamin D also has many other roles, including helping our immune defences and contributing to <a href="https://pubmed.ncbi.nlm.nih.gov/11295155/">DNA repair</a> and cell differentiation. We can thank the sun for most of our vitamin D. A chemical in our skin called 7-dehydrocholesterol is converted to vitamin D after contact with UVB radiation from the sun. While we get some vitamin D also <a href="https://pubmed.ncbi.nlm.nih.gov/35253289/">through our diet</a>, this makes a relatively small contribution. It’s difficult to get much more than one-third of our daily vitamin D requirement from diet without supplementation. Nutritional vitamin D status is <a href="https://en.wikipedia.org/wiki/Calcifediol">typically measured</a> via a blood test. This checks the calcidiol (calcifediol, 25-hydroxyvitamin D) concentrations, which reflect the average intakes from the sun and diet over the past three to four weeks. The <a href="https://pubmed.ncbi.nlm.nih.gov/22708765/">current recommendation</a> is that we should all aim to have at least 50nmol/L (20ng/mL) at the end of winter. However, one problem with vitamin D tests is that there is <a href="https://pubmed.ncbi.nlm.nih.gov/37182753/">variation</a> in measured concentrations between the laboratories and between the assays, and whether you’re deemed to have a deficiency can depend on the testing method used. Doctors do not always agree with what is deficiency. While very low concentrations are likely to prompt doctors to recommend a supplement (and, potentially, follow-up testing), some may consider even relatively high concentrations as inadequate. This is all understandable as research in this space is still evolving, and we know low concentrations do not always cause any symptoms. <h2>Why avoid vitamin D deficiency?</h2> Prolonged, severe vitamin D deficiency will lead to softening of bone tissue and cause diseases such as rickets (children) and osteomalacia (adults). However, avoiding low concentrations is likely to be good for <a href="https://pubmed.ncbi.nlm.nih.gov/37483080/">many aspects of health</a>, with consistent evidence suggesting benefits for <a href="https://www.bmj.com/content/356/bmj.i6583">infectious diseases</a> and autoimmune conditions such as multiple sclerosis. Randomised trials have also provided evidence for lower <a href="https://pubmed.ncbi.nlm.nih.gov/35676320/">cancer</a> and <a href="https://pubmed.ncbi.nlm.nih.gov/24414552/">all cause mortality</a> by daily supplementation, although any benefit is likely to be restricted to those who otherwise have insufficient intakes. <h2>Who is at risk of deficiency?</h2> Most of us do not need tests to have a relatively good idea whether we might be at risk of a clinically important deficiency. If it’s not late winter, we spend regularly at least some time outside with skin exposed to the sun, and we do not belong to a specific high-risk group, it is unlikely that our <a href="https://pubmed.ncbi.nlm.nih.gov/22168576/">levels would be very low</a>. The two main reasons for vitamin D deficiency typically relate to: 1. not getting (enough) vitamin D through sun exposure. Deficiency risk <a href="https://www.healthdirect.gov.au/vitamin-d-deficiency">can be high</a> for anyone who is housebound, such as older or disabled people in residential care. The risk of deficiency increases if we always cover our skin carefully by <a href="https://pubmed.ncbi.nlm.nih.gov/19211395/">modest cultural dress,</a> and also <a href="https://pubmed.ncbi.nlm.nih.gov/6119494/">dark skin pigmentation</a> is known to reduce vitamin D synthesis. 2. having a chronic disease that alters your requirement. Medications such as anticonvulsants used to treat epilepsy, and conditions such as <a href="https://my.clevelandclinic.org/health/diseases/15050-vitamin-d-vitamin-d-deficiency">liver and kidney diseases</a> can interfere with vitamin D metabolism. Some <a href="https://my.clevelandclinic.org/health/diseases/15050-vitamin-d-vitamin-d-deficiency">digestive diseases</a> can reduce vitamin D absorption from your diet, while <a href="https://pubmed.ncbi.nlm.nih.gov/30020507">obesity</a> will increase your vitamin D requirement and make it more difficult to raise your blood levels. <h2>Am I getting enough sun exposure?</h2> In Australia, it is possible to get enough vitamin D from the sun <a href="https://healthybonesaustralia.org.au/your-bone-health/vitamin-d-bone-health">throughout the year</a>. This isn’t so for many people living in the northern hemisphere. For those who live in the top half of Australia – and for all of us during summer – we <a href="https://healthybonesaustralia.org.au/your-bone-health/vitamin-d-bone-health">only need</a> to have skin exposed to the sun a few minutes on most days. The body can only produce a certain amount of vitamin D at the time, so staying in the sun any longer than needed is not going to help increase your vitamin D levels, while it will increase your risk of skin cancer. During winter, catching enough sun can be difficult, especially if you spend your days confined indoors. Typically, the required exposure increases to two to three hours per week in winter. This is because sunlight exposure can only help produce vitamin D if the UVB rays reach us at the correct angle. So in winter we should regularly spend time outside in the middle of the day to get our dose of vitamin D. If you are concerned, you have very dark skin, or are otherwise in a high-risk group, you may want to talk to your GP. In any case, taking a modest daily dose of vitamin D (1,000-2,000 IU) during the darker winter months is unlikely to cause harm and it <a href="https://pubmed.ncbi.nlm.nih.gov/37483080/">may be beneficial</a>. <h2>Why does excess vitamin D testing matter?</h2> When not indicated, testing can cause unnecessary worry and promote a cascade of <a href="https://pubmed.ncbi.nlm.nih.gov/32675268/">laboratory, prescription and imaging services</a> that are of low value. Excessive testing is also a waste of health-care resources, with one <a href="https://onlinelibrary.wiley.com/doi/full/10.5694/mja2.50619">single test</a> costing about the same as a years’ worth of vitamin D supplementation. Very often, we can make relatively small changes to our lifestyles to reduce the risks of vitamin D deficiency. <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/211268/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/elina-hypponen-108811">Elina Hypponen</a>, Professor of Nutritional and Genetic Epidemiology, <a href="https://theconversation.com/institutions/university-of-south-australia-1180">University of South Australia</a> Image credits: Getty Images 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/should-i-be-getting-my-vitamin-d-levels-checked-211268">original article</a>.

Body

Don’t believe the hype. Menopausal women don’t all need to check – or increase – their testosterone levels

<a href="https://theconversation.com/profiles/susan-davis-10376">Susan Davis</a>, <a href="https://theconversation.com/institutions/monash-university-1065">Monash University</a> Ever heard “low testosterone” blamed for low mood, brain fog and loss of vitality? Despite all evidence to the contrary, social media influencers are increasingly promoting testosterone therapy as an elixir for women experiencing troubling symptoms of menopause. In a series of documentaries and <a href="https://www.dailymail.co.uk/health/article-11792553/Davina-McCall-effect-sparks-menopause-testosterone-treatment-rush-putting-women-risk.html">social media posts</a> about menopause in 2021 and 2022, British TV presenter Davina McCall promoted the use of testosterone therapy in addition to standard <a href="https://www.menopause.org.au/hp/information-sheets/combined-menopausal-hormone-therapy-mht">menopausal hormone therapy</a>. The “<a href="https://www.telegraph.co.uk/news/2023/02/17/davina-effect-fuels-surge-menopausal-women-using-testosterone/#:%7E:text=Chelsea%20Magazine%20Company-,'Davina%20effect'%20fuels%20surge%20in%20menopausal%20women%20using%20testosterone,NHS%20prescriptions%20for%20the%20hormone">Davina effect</a>” has helped fuel a <a href="https://pharmaceutical-journal.com/article/news/nhs-testosterone-prescribing-in-women-rises-ten-fold-in-seven-years#:%7E:text=The%20number%20of%20women%20in,The%20Pharmaceutical%20Journal%20has%20revealed">ten-fold increase</a> in prescribing of testosterone for women in the United Kingdom since 2015. Data isn’t available for Australia, but in my clinical practice, women are increasingly asking to have their testosterone level checked, and seeking testosterone to treat fatigue and brain fog. But while testosterone continues to be an important hormone before and after menopause, this doesn’t mean women should be having a blood test to get their testosterone levels checked – or taking testosterone therapy. <h2>What does testosterone do?</h2> Testosterone is an important hormone in women’s bodies, affecting the blood vessels, skin, muscle and bone, breast tissue and the brain. In both women and men, testosterone can act on its own or be converted into estrogen. Before menopause, testosterone is made in the ovaries, where it helps developing eggs grow and aids in estrogen production. The ovaries release both testosterone and estrogen into the bloodstream, and the levels of the two hormones in the blood peak around ovulation. Some of the testosterone measured in blood is also produced outside the ovaries, such as in fat, where it is made from “pre-hormones” secreted by the adrenal glands. This source of production of testosterone takes over after menopause. <h2>Do we have more testosterone before menopause?</h2> The claim is often made that pre-menopausal women have more testosterone in their bloodstream than estrogen, to justify the need for testosterone replacement after menopause. But, when sex hormones have been measured with precision, studies have shown this is not true. <a href="https://pubmed.ncbi.nlm.nih.gov/31390028/">Our research</a> found estrogen levels are higher than testosterone levels at all stages of the menstrual cycle. Blood testosterone levels <a href="https://pubmed.ncbi.nlm.nih.gov/31390028/">fall</a> by about 25% between the ages of 18 and 40 years in healthy women. The fall in testosterone coincides with the decline in eggs in the ovaries but whether this is a marker of the decline, a consequence, or a cause of the decline is not known. From around 40, the rate of decline slows and blood testosterone levels don’t change when <a href="https://www.menopause.org.au/hp/information-sheets/what-is-menopause">menopause</a> occurs naturally. Studies have not shown testosterone levels change meaningfully during the menopause transition. <h2>Can blood tests detect ‘low testosterone’?</h2> Some influencers claim to have a condition called “testosterone deficiency syndrome” or low levels of testosterone detected in blood tests. But there is no “normal” blood level below which a woman can be diagnosed as having “testosterone deficiency”. So there’s no such thing as having a testosterone deficiency or testosterone deficiency syndrome. This is also in part, because women have very low testosterone concentrations compared with men, and most commercial methods used to measure testosterone cannot separate normal from low levels in women with any certainty. Pre-menopausal women might also be told they have “low” testosterone if blood is drawn early in the menstrual cycle when it is normal for testosterone to be low. (However, it would only be clinically necessary to do this type of blood test to look for high testosterone, in someone with with excessive hair growth or severe acne, for example, not for low testosterone.) In post-menopausal women, much of the action of testosterone occurs in the tissues where it is made, after which testosterone is either converted to estrogen or broken down before it leaks back into the circulation. So blood testosterone concentrations are not a true reflection of tissue concentrations. Further complicating the picture is the enormous variability in the effects of testosterone. At a given blood level of testosterone, some women might have oily skin, acne, increased body hair growth or balding, while others will have no such effects. So, looking for a “low” blood testosterone in women is not helpful. <h2>Can testosterone improve sexual desire? What about other conditions?</h2> There is sound evidence that testosterone therapy may improve sexual desire in post-menopausal women who have developed low sexual desire that bothers them. This was <a href="https://www.tandfonline.com/doi/full/10.1080/13697137.2019.1637079">confirmed by</a> a <a href="https://pubmed.ncbi.nlm.nih.gov/31353194/">systematic review</a> of clinical trials comparing testosterone with a placebo or an alternative. These trials, all of which involved a treatment time of at least 12 weeks, showed testosterone therapy, overall, improved desire, arousal, orgasm and sexual satisfaction in post-menopausal women with low desire that caused them distress. Treatment is only indicated for women who want an improvement in sexual desire (after excluding other factors such as depression or medication side effects) and its success can only be determined by each woman’s personal self-reported response. But there is <a href="https://www.tandfonline.com/doi/full/10.1080/13697137.2019.1637079">not enough evidence</a> to show testosterone is beneficial for any other symptom or medical condition. The overall available data has shown no effect of testosterone on mood or cognition. As such, testosterone therapy <a href="https://www.tandfonline.com/doi/full/10.1080/13697137.2019.1637079">should not be used</a> to treat symptoms such as fatigue, low mood, muscle weakness and poor memory, or to prevent bone loss, dementia or breast cancer. However research continues to investigate these potential uses, including from my <a href="https://www.monash.edu/medicine/sphpm/units/womenshealth">research team</a>, which is investigating whether testosterone therapy can <a href="https://asbmr.onlinelibrary.wiley.com/doi/10.1002/jbmr.534">protect against bone density loss and muscle loss after menopause</a>. You can learn more about participating in one of our studies <a href="https://www.monash.edu/medicine/sphpm/units/womenshealth/join-a-study">here</a>. <img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/209516/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/susan-davis-10376">Susan Davis</a>, Chair of Women's Health, <a href="https://theconversation.com/institutions/monash-university-1065">Monash University</a> Image credits: Getty Images 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/dont-believe-the-hype-menopausal-women-dont-all-need-to-check-or-increase-their-testosterone-levels-209516">original article</a>.

Body

5 memorable locations from ‘80s films to check out

Everyone loves a good movie, and everyone loves a holiday, so what do you get when you combine the two? The time of your life! It’s widely known that the ‘80s spawned a whole host of films that went on to become cult classics - from the likes of Heathers to Footloose, Dirty Dancing, and The Terminator - and forged the way for cultural changes that ring true decades later. But did you also know that for many of these iconic films, real-life locations served as the inspiration for many memorable scenes? And while some may have changed slightly in the years since cast and crew flocked to them, some are like stepping into a time capsule - or a stage for you to re-enact the films as you see fit. Lake Lure, North Carolina - Dirty Dancing (1987) Anyone who’s seen Dirty Dancing can tell you that ‘the lift scene’ is one of the film’s most iconic moments. And it - along with a few others from the film - were filmed in North Carolina’s very own Lake Lure. And with the spot boasting its very own Lake Lure Inn & Spa - where, coincidentally, the movie’s stars stayed while working on the project - it could be the perfect getaway location for your next holiday. Guesthouse International Hotel, California - National Lampoon Vacation (1983) For those embarking on their very own National Lampoon Vacation, you’re in luck - the hexagonal pool is near exactly the same as it was when Chevy Chase’s Clark Griswold enjoyed a nighttime swim with Christie Brinkley’s The Girl in the Ferrari. New York Public Library, New York - Ghostbusters (1984) The 1984 film sparked an entire host of sequels, games, parodies, and conventions for avid fans across the globe - as well as one incredibly catchy song. However, for those that would like to go above and beyond just calling their friendly neighbourhood ghostbusters, the New York Public Library’s flagship Stephen A Schwarzman building is the spot where the team had their very first encounter with the film’s ghosts. Griffith Observatory, California - The Terminator (1984) Fans of The Terminator should immediately recognise this site as the one where Arnold Schwarzenegger’s Terminator arrived in the nude, and basked in the glory of LA at night. It’s a popular location, and while a must-see for fans of the film, it also makes for a good afternoon out - the observatory itself boasts free entry, stunning views, and a range of fascinating exhibits inside to entertain the keen mind. The Grand Hotel, Michigan - Somewhere in Time (1980) The Grand Hotel was the primary location for romantic drama Somewhere in Time, and they’re proud of it. In fact, a poster for the film is reportedly even still on display there, and hosts weekends of celebration for the 1980 hit, too. The island the hotel is set on doesn’t allow cars, so anyone hoping to throw themselves back in time and fully immerse themselves in a ‘different world’, this National Historic Landmark may be just the place to do it. Images: Getty, Booking.net

Movies

Can you lend a paw this tax time to help cats in need?

With a proud reputation of caring for cats for more than 60 years, the Cat Protection Society of NSW runs Sydney’s only no-kill shelter just for cats, as well as providing feline welfare programs to help cats and the people who love them. Cat Protection began in 1958 as a small group of people dedicated to reducing the number of street cats and while our organisation has grown over the years, our vision remains the same; that every cat deserves a loving and responsible home. Over the years, Cat Protection has helped literally hundreds of thousands of cats, kittens, and people. We’ve led the way in setting the standards for best-practice feline sheltering, and our health and welfare services extend far beyond our adoption centre. And while technology means we can offer a great range of free cat care resources online, we’ve never lost our human touch and we still help thousands of people every year with advice and tips on cat care by phone or in-person, at no cost. Our subsidised desexing, vaccination and microchipping programs promote cat health and welfare in the community and our newest program, Adopt-a-Stray, offers a complete and affordable package for those who wish to fully welcome a street cat into their heart and home. What sets us apart from many other animal shelters is our holistic approach to each individual cat or human client. Cats are not given a time limit, although most are adopted within days or weeks. Every cat is individually assessed and provided with a care plan to meet their unique needs. If they need complex surgery, allergy trials or behavioural interventions our highly qualified team will work with veterinarians and specialists to ensure the cat gets everything they need to set them on the path to living their best life. A kind person found Snake, a four-week-old sickly orphaned kitten. In addition to cat flu, our vets identified corneal scarring in his right eye, a blocked tear duct, and an adhesion on his eyelid restricting the normal movement of his third eyelid. Treatment resolved the flu and improved his eye, but Snake will live with limited vision in that eye. This has not dampened his playfulness or zest for life. As well as poor physical health, orphaned kittens miss out on the important lessons of being a cat from their mum and siblings, and this can lead to behavioural issues. Where we can, we will make sure such kittens get to join a stepfamily, but in cases such as Snake’s, illness means that isn’t always possible. It is then up to our human team to work with these little ones to help them learn to navigate the world with good manners! In contrast, Banjo had all the behavioural benefits of his brother but alas at seven weeks of age Banjo weighed only 560 grams while his brother Clancy weighed 900 grams! Banjo was diagnosed with a rare form of congenital hypothyroidism. Because his condition was diagnosed early, his prognosis is very good. He was started on a medication called Thyroxine and went back into foster care so that we could monitor his progress and adjust the dose of his medication as necessary with follow-up blood tests. After six weeks in foster care, Banjo graduated to the adoption centre. He will need to be on Thyroxine for the rest of his life, but that didn’t daunt his new family who’ve told us Banjo is now thriving in his loving forever home. From individualised TLC and veterinary care for every cat and kitten, to helping human clients resolve cat challenges (from furniture scratching to strata bans) and strategic research and advocacy on behalf of people and cats, Cat Protection’s impact is so much greater than our budget. As an independent registered charity for cats, we’re dependent on donations and bequests to do our work. We are compliant, open and transparent; on our website you can see our audited annual reports for details of what we do and what it costs. We have a strict “no harassment” fundraising policy which means under no circumstances will your information be sold on, and we do not employ pressure-tactics or door-to-door solicitations. We don’t spend money paying fundraising companies to ring you at dinner time asking for money or send you five-page long letters insisting you give more. And we never will. Donations are invested in helping our feline friends and nurturing the unique bond between cats and people. Your generosity will mean that we can continue to help thousands of cats and people each year. If you can lend a paw, please <a href="https://www.givenow.com.au/catprotectionsocietynsw" target="_blank" rel="noopener">make your tax-deductible donation here</a>! For general advice on cat care and everything feline, call the Cat Protection Society of NSW on 02 9557 4818 or visit <a href="https://catprotection.org.au/" target="_blank" rel="noopener">catprotection.org.au</a> Images: Supplied. This is a sponsored article produced in partnership with the Cat Protection Society of NSW.

Family & Pets

"Get a job": Ben Fordham slammed over interview with welfare recipient

Ben Fordham has come under fire for a patronising interview with a welfare recipient, in which he tried to get the man, who is unable to work, a job live on air. On Wednesday morning, the 2GB radio host spoke with Jez Heywood, who is president of the Australian Unemployed Workers’ Union, and has been out of work since 2017 due to several health conditions. Mr Heywood had recently spoken to The Australian, sharing his frustration about the $20-a-week increase to Jobseeker, saying he was “angry” and “annoyed” at the federal government, describing the $2.85-a-day increase as “absolutely nothing”. Mr Heywood's commentary on the Jobseeker budget increase caught the attention of 2GB, who invited him to speak to Fordham, saying he “wanted to see whether we can find Jez a job”. Fordham asked Heywood if he was looking for work, to which Heywood shared that he is looking for work, but it is hard to find a job that would be suitable given his physical and mental health barriers. In response, Fordham told Heywood that "there are 54,000 jobs available right now in Melbourne". "That’s on the Workforce Australia website. So none of those 54,000 jobs are suitable to you or you’ve applied for them and they’re just not giving you the nod?" Heywood said he is applying for jobs that are "suitable" for his conditions, and is hearing nothing back from prospective employers. Fordham said a job would seemingly fix everything for Heywood, saying, "I reckon we can help your mental health if we get you into a job." Heywood seemingly appreciated the help, but also said it is important for him to consider what he is able to achieve in a job given his limitations. The tense exchange between Fordham and Heywood continued, as Heywood voiced his concerns and limitations with working, as Fordham seemed to dismiss his worries and said everything would be fine if he simply returned to work as a graphic designer. After the call, Heywood took aim at Fordham on social media, slamming the host as a “coward and a bully who’s been taking potshots at welfare recipients from the safety of his cosy radio studio for years”. <blockquote class="twitter-tweet"> You're a dog Ben Fordham — Vulgar Boatman (@satisjacktion) <a href="https://twitter.com/satisjacktion/status/1658691768706269184?ref_src=twsrc%5Etfw">May 17, 2023</a></blockquote> <blockquote class="twitter-tweet"> I’ve never met a dole bludger. I *have* met plenty of people with unresolved trauma and mental and physical illnesses (often not-yet-diagnosed), who probably LOOK like bludgers, through a telephoto lens. People who are doing okay WANT to be busy and to work. — Catherine Caine (@CatherineCaine) <a href="https://twitter.com/CatherineCaine/status/1658665436916101120?ref_src=twsrc%5Etfw">May 17, 2023</a></blockquote> He stood by his opinion that the Jobseeker payment should be at least $88 a day to keep recipients above the poverty line, and condemned Fordham for “calling me a dole bludger on national radio”. Fordham doubled down on his condescending treatment of Mr Heywood, saying, "I just want to find you a job, Jez." Image credits: Getty Images / Twitter

Money & Banking

“Extremely difficult”: Woman forced to live in car for over two years

A Queensland woman has revealed the “extremely lonely” reality of living in her car. Wendy lived in shared accommodation for seven years, with a weekly room rent upwards of $200 a week. With the rent increases showing no signs of slowing down, the 52-year-old found herself living in her car for the past two and a half years. She has shared some tips for those in the same boat. “Downsize to the bare necessities you need, with just those few little luxuries like a good coffee and the barbecues,” Wendy said. She allows herself some luxuries, such as a gym membership, so she can have a shower, coffee and the occasional hot dinner. If she can’t keep up with her gym payments, Wendy exercises until she’s warm and hops into one of the cold public showers. She worked in construction cleaning, but the early start and late finishes became too difficult. “Transforming my car into a cleaning business was, as you can imagine, a bit unhygienic,” she said. She relies on welfare to get by, which is “extremely hard”. Wendy has a storage shed to help her keep some of her belongings, but the cost of that will see an increase from $45 to $60 a week, “I’m now going to even be pushed out of the storage,” she said. Wendy can access fresh food just once a fortnight when she visits Encircle Redcliffe Neighbourhood Centre, Queensland, otherwise, she’s stuck with a 3-day time frame of storing food in her car. Now with winter just around the corner, she parks her car in underground car parks to shelter from the elements. “As soon as they see you on camera, they’re concerned about me being there,” she said. “So I will be kicked out of there soon too.” It feels as though those in power have “turned a blind eye” to the reality of the housing crisis, Wendy said. “There’s no help out there for us, I’ve applied for housing and been denied.” The extra $40 announced in the federal budget for people on welfare was “definitely not enough”, Wendy said. Even going to the doctor has become “extremely hard”, Wendy said, as many have stopped bulk billing, which has forced her to travel further to find those who do so. She’s now facing car troubles, which only furthers her challenging situation. “I’m only using my car if it’s really necessary,” she said. Aside from discomfort, Wendy confessed living out of her car was “extremely lonely”. “It’s intimidating when people are walking past and staring at you — you feel like an extreme oddball in this world.” Image credit: 7NEWS

Real Estate

Federal Budget 2023: How to make the most of the key promises

Treasurer Jim Charles has handed down his first budget for 2023/24, offering a series of measures aimed at tackling the cost-of-living crisis. Millions of Australians will receive a boost from the federal government medical care, bills and welfare payments, amid the forecast that the budget will be be in the black with a surplus of $4bn. Here’s what it means for you: Bill help Those who are on the pension, a seniors card holder or a recipient of family tax benefits A and B will be eligible to get help with energy bills thanks to a deal between the states and Commonwealth that’s worth $1.5bn. That means over five million eligible households and one million eligible small businesses will benefit from the scheme. The relief will come in the form of credits that apply directly to their power bills rather than cash, and the amount they receive will depend on the state they live in. Medicare Relief The incentives paid to GPs who bulk bill 11.6m eligible Australians including children under 16, pensioners and other concession card holders will increase. GPs will be able to claim the incentives for in-person consultations over six minutes long and certain telehealth consultations. GPs who bulk bill patients in the city will be paid a new incentive of $20.65 compared to the previous rate of $6.60, while regional GPs will receive a $31.40 incentive, up from $10.05. Welfare recipients Over 1.1 million vulnerable Australians will benefit from a $40 fortnightly boost from September, if parliament agrees. The increased base rate will apply to people receiving JobSeeker, Youth Allowance, Parenting Payment (partnered), ABSTUDY, Disability Support Pension (Youth) and Special Benefit. Rental assistance For many renters, this budget means that rent is forecasted to increase over the next year as the market tightens. However, for those currently receiving the maximum Commonwealth Rent Assistance allowance their payments will increase by 15 per cent. Here’s what the Federal Budget will look like at a glance: <ul> <li dir="ltr"> Budget deficit of $13.9 billion in 2023/24 </li> <li dir="ltr"> Commonwealth net debt to rise to $574.9 billion (22.3 per cent of GDP) in 2023/24 </li> <li dir="ltr"> Economic growth to fall to 1.5 per cent in 2023/24 </li> <li dir="ltr"> Unemployment rate to rise to 4.25 per cent in 2023/24 </li> <li dir="ltr"> Inflation as measured by CPI to be 3.25 per cent in 2023/24 </li> <li dir="ltr"> Wages to rise by four per cent in 2023/24 </li> </ul> And here are the key measures the federal budget has promised: <ul> <li dir="ltr"> Energy bill relief for five million households and one million businesses </li> <li dir="ltr"> Triple bulk-billing incentives and more funding for urgent care clinics </li> <li dir="ltr"> Base rate of JobSeeker and other payments to be raised for 1.1 million households </li> <li dir="ltr"> Commonwealth Rent Assistant rise for 1.1 million households </li> <li dir="ltr"> Housing boost including tax breaks for build-to-rent investors </li> <li dir="ltr"> $4 billion extra for renewable energy </li> <li dir="ltr"> Tax breaks for small business to write-off assets and reduce energy costs </li> <li dir="ltr"> Targeted help for jobless aged over 55 </li> <li dir="ltr"> Cut to cost of medicines </li> </ul> Image: Getty Images/ Martin Ollman / Stringer

Money & Banking

Over-55s the only group to receive Centrelink payment boost

Older recipients of JobSeeker will receive a higher welfare payment as the federal budget is set to include an increase in payments for 227,000 Aussies. According to 7News, the budget will include an increase in the base rate of the JobSeeker for people aged 55 and above. The change honours Treasurer Jim Chalmers’ promise that an increase “will be focused on the most vulnerable”. Finance Minister Katy Gallagher previously committed to a “significant improvement” in terms of the budget. When asked if the rate of JobSeeker would be lifted, Gallagher revealed the budget would contain “ongoing” investments to help people with cost-of-living pressures, in addition to one-off measures. “This budget will have a significant cost-of-living package and that cost-of-living package will be targeted to the most vulnerable Australians,” she said. About 227,000 Jobseeker recipients are 55 and over, which is the highest number of any age group and the group most likely to be unemployed long-term, meaning they are without a job for five years or more. The majority of people in this group are women. Senior sources reportedly told 7News that the increase will be modest, not the $100-a-week advocates are hoping for but what the budget can afford. The change is unlikely to please Raise the Rate campaigners, who have called for the government to bring payments above the poverty line. 7News reported that the government will sell the moderate increase as a “responsible first step”, an increase that will help the most vulnerable of JobSeeker recipients and honours its election commitment to do what it can to help within the restraints of the budget. The pressure continues to pile up for the government to substantially increase income support payments above $49.50 a day for singles on JobSeeker and $40.20 a day for Youth Allowance. An open letter to the Prime Minister, which has been signed by more than 300 politicians, community advocates and prolific Aussies, called for an increase to be included in the budget to support those most in need. “Right now, the rate of JobSeeker is so low that people are being forced to choose between paying their rent or buying enough food and medicine,” the letter, coordinated by the Australian Council of Social Service, read. In 2022, the council’s research found six in 10 people on income support were eating less or reporting difficulty getting medicine or care due to their inadequate income. This increased to seven in 10 in March 2023. The budget plans to extend single-parenting payments and increase rental assistance - particularly for women. Around $120 billion in Morrison Government road and rail projects will be reviewed and money reprioritised, with hundreds of smaller projects likely to be stopped. Image credit: Getty

Money & Banking

Jackie O sends welfare check for concerning caller

Radio giant Jackie ‘O’ Henderson has requested a welfare check for a listener after receiving a distressing phone call on The Kyle and Jackie O show. The caller, Michael, who made it on air at about 6:30 am during the First Calls segment on the show, proceeded to sing a song about suicide, blindsiding the presenters. The song was Fade to Black by U.S heavy metal band Metallica, from their 1984 album Ride the Lightning. The bleak track is about wondering if life is worth living and wishing for death. Michael did not advise the hosts that he would be singing the song, and had told producer ‘Intern Pete’ Deppeler off air that he was a ‘comedian’ and ‘had a few jokes to tell’. Henderson seemed concerned and asked the team to make sure the listener was okay. The dismal segment started soon after an ad break, with host Kyle Sandilands asking, “You want to ring up for anything? First Calls, 13 10 65 will get you through. Michael has called in. Hey, Michael.” “Hello,” Michael responded, sounding dismal, which the hosts recognised was off as Sandilands was quick to mimic ‘hello’ back. Sandilands asked how the listener was doing, to which Michael replied, “Oh, not bad. I [inaudible] have a quick ten-second song I'd like to... sing for you.” 'What, sorry? A song?' Henderson asked. “It goes like this,” Michael said, before singing the lyrics to Fade to Black, “.. lost the will to live / Simply nothing more to give / There is nothing more for me / Need the end to set me free.” Michael put his own spin on the song, singing lyrics that don’t appear on the track, “Never cared for no one else” before quickly hanging up. “Don't be like that…”, a baffled Sandilands said after Michael abruptly ended the call. Henderson feared the worst, immediately asking producers, “Is he alright? That didn't sound good, guys. What were you getting off air? Because that sounded like a goodbye song to me.” Sandilands tried to reassure Henderson, saying “He seems fine. He seems fine.” Deppeler, who had spoken to Michael during the ad break and briefed him on what would be discussed on air said, “He was normal to me,” When Henderson asked what they’d spoken about during the ad break, Deppeler told the presenter, "He said, 'I'm a comedian, I've got a few jokes to tell, I've got a new song.'” “So he went rogue on you?' Henderson asked, with Deppeler replying, “A little bit rogue, yeah”. Henderson asked Deppeler to “call him back and check he's okay,” adding, "He just hung up and said this is the end for me. Just check he's alright, that guy.” She awkwardly laughed as she and Sandilands scolded Deppeler for having such a grim listener as the first caller following a two-week break. The presenters then moved on to the second caller, A woman called Debbie. Help is available, speak with someone today. Crisis support is available from <a href="https://www.lifeline.org.au/" target="_blank" rel="noopener">Lifeline</a> on 13 11 14. Support is available from <a href="https://www.beyondblue.org.au/" target="_blank" rel="noopener">Beyond Blue</a> on 1300 22 4636. Image credit: Instagram

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Over-55s the only group to receive Centrelink payment boost

Jackie O sends welfare check for concerning caller

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