Search

Young homeowners are more likely to use their home as an ‘ATM’ than their Boomer parents. Here’s why

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/rachel-ong-viforj-113482">Rachel Ong ViforJ</a>, <a href="https://theconversation.com/institutions/curtin-university-873">Curtin University</a> and <a href="https://theconversation.com/profiles/christopher-phelps-378137">Christopher Phelps</a>, <a href="https://theconversation.com/institutions/curtin-university-873">Curtin University</a> For many Australians, the family home is their largest financial asset. With an increasing variety of ways to tap into home equity, the temptation to access this wealth is ever growing. Homeowners increase the debt owed on their home when they borrow against their <a href="https://doi.org/10.1080/02673037.2013.783202">equity</a>. Standard mortgage home loans now provide facilities for relatively cheap or free withdrawals of equity from the home. This turns the <a href="https://theconversation.com/your-home-as-an-atm-home-equity-a-risky-welfare-tool-22000">home into an ATM</a>, which borrowers can access when they choose. Our new <a href="https://doi.org/10.1080/02673037.2024.2400158">study</a> asks what motivates Australians to tap into their home equity, and how does this behaviour change with age? Surprisingly, despite having much lower housing equity levels, younger homeowners borrow often, and borrow more, than their Boomer parents. <h2>How common is equity borrowing?</h2> Using 15 years of data from the government-funded <a href="https://melbourneinstitute.unimelb.edu.au/hilda">Household, Income and Labour Dynamics in Australia </a>(HILDA) survey, we tracked the mortgage debt and repayments of homeowners aged 35 and over. The chart below shows younger owners are far more likely to engage in equity borrowing. In 2006, nearly 39% of the youngest homeowners, aged 35–44, borrowed against their home equity. By 2021, this number had dropped to 29%. Despite the decline, it’s still 24 percentage points more common than those aged 65 and over. The older group has remained steady at about 5% over the years. <hr /> <iframe id="Ll9Cw" class="tc-infographic-datawrapper" style="border: 0;" src="https://datawrapper.dwcdn.net/Ll9Cw/" width="100%" height="400px" frameborder="0" scrolling="no"></iframe> <hr /> <h2>How much do equity borrowers withdraw from their home?</h2> Among those who use their home like an ATM, younger borrowers now withdraw larger amounts than older borrowers. In 2006–07, equity borrowers aged 35–44 and 45–54 withdrew on average $43,000 and $57,000, respectively (expressed in real values set at 2022 price levels). By 2021, the amount withdrawn by these two age groups had climbed to $70,000 and $100,000. On the other hand, the amount withdrawn by borrowers aged 55 or older fell from more than $50,000 to less than $40,000. <hr /> <iframe id="ujq3S" class="tc-infographic-datawrapper" style="border: 0;" src="https://datawrapper.dwcdn.net/ujq3S/" width="100%" height="400px" frameborder="0" scrolling="no"></iframe> <hr /> <h2>What motivates equity borrowing?</h2> Young homeowners’ equity borrowing behaviours are sensitive to changes in house prices and debt values, and their financial risk preferences. Among those aged 35–44, a $10,000 increase in the primary home value raises the likelihood of equity borrowing by ten percentage points. Every $10,000 in debt against the primary home reduces the likelihood by 2.8% percentage points. Those willing to take substantial financial risk are eight percentage points more likely to borrow against their home than those who are risk-averse. Those aged 65+ are not inclined to borrow, and exhibit little change in equity borrowing behaviour with variations in asset, debt, income or financial risk preferences. <h2>Why borrowing practices differ between age groups</h2> As well as being more likely than older homeowners to borrow against equity, the younger group also withdraws higher amounts than their Boomer parents. This is despite younger borrowers already carrying much higher debt against their primary home. Among those in our study who engaged in equity borrowing in 2021, the median debt before borrowing was $401,000 for 35-44 year-olds compared to $0 for those aged 65+. As real house prices have risen over decades, the current generation of young homeowners has had to invest more money into purchasing their first home than previous generations. It’s therefore not surprising the primary home is now widely viewed as a financial resource to be <a href="https://theconversation.com/your-home-as-an-atm-home-equity-a-risky-welfare-tool-22000">tapped into to meet spending needs</a>. On the other hand, most Baby Boomers bought their first home at more affordable prices than their children, and at lower levels of debt. Now they don’t appear to be spending their kids’ inheritance by drawing down housing wealth. In fact, older parents may shy away from equity borrowing to <a href="https://www.pc.gov.au/research/completed/wealth-transfers/wealth-transfers.pdf">bequeath wealth to children</a>. Some also <a href="https://doi.org/10.1017/S0047279417000058">dislike passing debt</a> on to their children. Older people may also avoid equity borrowing due to concerns about <a href="https://treasury.gov.au/sites/default/files/2023-08/p2023-435150.pdf">aged care costs</a>. Some may be hampered by <a href="https://doi.org/10.1016/j.jue.2013.08.003">poor financial literacy</a>. <h2>More debt ahead without policy changes</h2> Present trends suggest young homeowners will remain indebted for longer periods, and more and more will <a href="https://theconversation.com/more-of-us-are-retiring-with-mortgage-debts-the-implications-are-huge-115134">retire with mortgage debt</a>. For indebted retirees, there are real prospects of <a href="https://theconversation.com/fall-in-ageing-australians-home-ownership-rates-looms-as-seismic-shock-for-housing-policy-120651">drawing down of superannuation</a> to pay off mortgages in retirement. This may impose extra burdens on the age pension system. Another unwelcome consequence, which may add to health costs, is the prospect of <a href="https://www.ahuri.edu.au/sites/default/files/migration/documents/AHURI-Final-Report-319-Mortgage-stress-and-precarious-home-ownership-implications-for-older-Australians.pdf">debt-related psychological distress</a> among those who can’t pay off their mortgage in old age. If the current trends continue, the <a href="https://www.afr.com/policy/economy/what-happens-when-australia-s-boomers-hand-5-trillion-to-their-heirs-20240515-p5jdvf">great wealth transfer</a> that has already begun looks set to <a href="https://theconversation.com/not-everyone-wins-from-the-bank-of-mum-and-dad-73842">further entrench inequality</a> between those who have access to the bank of mum and dad and those who do not. Encouraging older people to use their housing equity to fund their needs in old age may lighten fiscal burdens on younger generations. But policy reforms will be needed to relieve concerns about the risks of equity borrowing in old age.<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/238924/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/rachel-ong-viforj-113482">Rachel Ong ViforJ</a>, ARC Future Fellow & Professor of Economics, <a href="https://theconversation.com/institutions/curtin-university-873">Curtin University</a> and <a href="https://theconversation.com/profiles/christopher-phelps-378137">Christopher Phelps</a>, Research Fellow, School of Accounting, Economics and Finance, <a href="https://theconversation.com/institutions/curtin-university-873">Curtin University</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/young-homeowners-are-more-likely-to-use-their-home-as-an-atm-than-their-boomer-parents-heres-why-238924">original article</a>. </div>

Money & Banking

Popular names Generation Alpha believe are “for old people”

Today's youth have a very different idea of what constitutes an "old person" name, and one mum was left flabbergasted after a conversation she had with her six-year-old daughter about her classmates’ names. “You know what I find wild? I have an eight-year-old and a six-year-old, and the names of their friends, I can’t even pronounce some of them,” Australian entrepreneur and mum-of-two Steph Pase said in a now viral TikTok. “I asked her, so do you have anyone in your year called Sarah, Alex, Jack or Daniel? “She laughed and said ‘they’re old people names!’.” She then probed her daughter with a few other common names saying: “I asked, what about Steph … Michelle … she’s like no,” she laughed. “It just makes me realise, that we are that generation … our parents’ generation. Names like Helen, Karen or Joanna … now we’re that generation. “We have the old people names.” She captioned her video with the text "Millennial names are officially old" and many of her followers agreed with the upsetting revelation. “In my classes we have Vision, Stoney, Diesel, Hennesy, Blaze, Cruze, Kingdom, Ace, Boss, Oasis, Mercedes, Destiny,” one shared. “Luna, Harper & Arlo are the new Ashley, Jessica & Stephanie,” another said. “The names in my kids classes are Lamb, Honey, Hazard, Blu, Bambi,” another added. “My six year old has a girl in his class named ‘Summah’ and another called ‘Phox’ because Fox was too mainstream,” a fourth wrote. “My daughter has a Moses, Twayla, Lorde it’s wild …” a fifth commented. Baby name expert and CEO of Fifth Dimension Consulting Lyndall Spooner told news.com.au that there are a few reasons why there's been a shift in children's names over the years, including popularity, less pressure to follow traditional family names, and a trend towards more gender-neutral names. “Parents want their children to be unique and so they use nouns or verbs as names, or character names from books, TV shows, movies, shopping chains or cars," she said. And while the "millennial names" are not as common, "they are not extinct". “We will continue to see changes in baby names and the ‘recycling’ of older names that become popular again,” she told the publication. Images: TikTok

Family & Pets

"Stop the blame game": Kochie slams young Aussie homebuyers

David Koch has called on young Aussies to stop blaming baby boomers for their financial woes in his latest newsletter for finance website Compare The Market. The former Sunrise host and current economic director for the finance company said that young Aussies need to “stop the blame game” in regards to the housing crisis, arguing that baby boomers should be called the "scapegoats" instead. He explained that young homebuyers believe that his generation has “put them on the chopping block” despite the “Bank of Mum and Dad” sitting sixth largest home lenders. “Not enough houses? Boomers are hoarding them. Not enough home units? Boomers throw down cash before first-time buyers can say boo!” he wrote. He said that while he understood that young Aussies are struggling to buy a home, as the median price of one in Australia is currently 14 times the average annual income, in 1990 it was five times the average annual income. “When we bought our homes, prices were more accessible, and while interest rates were sky-high, our wages were aligned with housing costs.” “Housing markets have inflated, wages have stagnated, and opportunities for younger generations are considerably diminished.” He added that government policy is largely to blame for the dire housing situation, and that the rise in property costs was not because they wanted to hang younger Aussies out to dry, but because the economy favoured real estate as a safe, long-term investment. “Governments have simply not planned for either the generational housing change or the big increase in migration to ensure enough properties have been built to meet demand,” he wrote. He then referenced the State of the Housing System report which found that Australia will fall 40,000 units short of its 2029 new home construction target of 1.2m million. Kochie defended the boomers, saying that not many of them could be considered as the "wealthy, elite stereotype we often see in the news”, as many of them had to work hard to become a homeowner. “It's essential to recognise this diversity and avoid vilifying the entire generation,” he wrote. Kochie called on young Australians to "stop the blame game" and instead of "pointing fingers" they should focus on “how we can work together” to make housing affordable again. “A bit of compassion and creative thinking could go a long way. Otherwise, the scapegoats and sacrificial lambs of the world will continue their bleating,” he wrote. Images: Realestate.com.au

Money & Banking

Readers response: Who’s the most interesting person you’ve met while travelling?

One of the best parts of travelling is the people you met along the way. Whether it's as part of a tour group or an interesting character you meet by chance, interacting with interesting people in interesting places can bring a lot to your travel experience. We asked our readers to tell us about the most interesting person they've encountered on their travels and the response was overwhelming. Here's what they said. Diana Jason - Cargo Holly Harrison. He walked 15000 miles from the bottom of South America to the top of Alaska. A truly fascinating man. Margie Buckingham - While caravanning around Oz, every night we would meet interesting ppl enjoying pre-dinner drinks & nibbles around the campfire. We all had personal stories to tell or the best places to camp. Ann Smith - Myself. Travelled to the UK and found my independence and confidence, two and a bit years after I lost love of my life to cancer. Pamela Cari - We met the lady who played the mother of Apollonia Vitelli in The Godfather when we were in Savoca. Rosalie Busch - A couple who grew up behind the wall in East Berlin. Sue Velvin - Shaquille O'Neal when my daughter and I had a holiday in the states a few years ago! Awesome man. Wendy Farnham - A Buddhist Nun in Cambodia who lost her husband and 6 of her 7 children to starvation under Pol Pot’s regime. Lyn Schuemaker - Everybody. They all have stories to tell. Image credits: Shutterstock

International Travel

Young woman praised for "speaking the truth" about Australia's history

A young Aussie woman has gone viral on TikTok after sharing the "hard truths" about the country's history. The unidentified woman was quizzed on facts about her home country by content creator Surgen TV, who stopped her while she was walking down a street in London. She nailed a series of "true or false" questions, and when asked to share something that most people don't know about Australia, her "eloquent" left many Aussies proud. While she initially shared some facts about the "Great Emu War" - which occurred in 1932, when soldiers were armed with machine guns in WA to battle huge flocks of emus in a bid to stop them destroying crops - it was the second fact she shared that got people's attention. “The Indigenous population of Australia actually only makes up 3 per cent of the total population, that’s because of colonisation and ‘The Stolen Generation’,” she shared. She then went on to explain that it referred to a period in Australian history where Aboriginal children were removed from their families through government policies. “British and European colonisers wanted to ‘breed out’ the Indigenous culture, and basically would start trying to make mixed-race babies so they could eventually wean out the Indigenous population,” she explained. “It was a very cruel time in Australia, a very bad part of our history," she added, referencing the shameful historic event that occurred between 1910 and the 1970s and also affected Torres Strait Islander families. <div class="embed" style="box-sizing: inherit; margin: 0px; padding: 0px; border: 0px; font-size: 16px; vertical-align: baseline; color: #323338; font-family: Figtree, Roboto, 'Noto Sans Hebrew', 'Noto Kufi Arabic', 'Noto Sans JP', sans-serif; background-color: #ffffff; outline: none !important;"><iframe class="embedly-embed" style="box-sizing: inherit; margin: 0px; padding: 0px; border-width: 0px; border-style: initial; vertical-align: baseline; width: 567px; max-width: 100%; outline: none !important;" title="tiktok embed" src="https://cdn.embedly.com/widgets/media.html?src=https%3A%2F%2Fwww.tiktok.com%2Fembed%2Fv2%2F7403055715738275105&display_name=tiktok&url=https%3A%2F%2Fwww.tiktok.com%2F%40surgentv%2Fvideo%2F7403055715738275105&image=https%3A%2F%2Fp16-sign-useast2a.tiktokcdn.com%2Fobj%2Ftos-useast2a-p-0037-euttp%2F264c1403859149ada045f8a67b39f02d_1723658241%3Flk3s%3Db59d6b55%26x-expires%3D1724155200%26x-signature%3DYT6AZq2dtbZnpwrrXok7hry4Yps%253D&key=5b465a7e134d4f09b4e6901220de11f0&type=text%2Fhtml&schema=tiktok" width="340" height="700" frameborder="0" scrolling="no" allowfullscreen="allowfullscreen"></iframe></div> Many were quick to praise the woman, with First Nations people applauding her for “talking about our history in such a respectful way and with a caring tone”. “Indigenous Australian here, we love sis and appreciate her and her voice,” one commented. “Well done. For speaking the truth,” another shared. "Using her voice right," a third wrote. “I can’t completely describe how relieved I am to hear this nuanced response from a young Australian,” added another. “Well said young lady, well put ... you make me proud to be an Australian,” added another. Others were impressed by how "articulate" she was, with some Aussies admitting they'd never even heard of the Emu War. “Am I the only one who just got schooled on the Emu War," wrote one. “She’s beautiful, smart, and respectful,” added another. The video has gained almost 800,000 views since it was shared on Saturday, with over 81,000 likes. Images: TikTok

International Travel

Five people arrested over Matthew Perry's death

Five people have been arrested in connection with the death of Friends actor Matthew Perry, who died of a drug overdose in October 2023. Matthew Perry’s assistant Kenneth Iwamasa, two doctors, and two alleged drug dealers, including Jasveen Sangha, the so-called “Ketamine Queen of Los Angeles”, have been arrested over the star's death. All five suspectes are facing charges including “conspiracy to distribute ketamine” over allegations they supplied the 54-year-old with the illegal drugs in the final weeks of his life. In the last four days of his life, Mr Perry paid $100,000 AUD for 70 vials of ketamine. Three of the five people charged have pleaded guilty to several drug-related offences, while a licensed doctor and an alleged drug dealer arrested in California on Thursday are the lead defendants in a “broad, underground criminal network” to distribute ketamine to Mr Perry and others. “These defendants took advantage of Mr Perry’s addiction issues to enrich themselves. They knew what they were doing was wrong. They knew what they were doing was risking great danger to Mr Perry, but they did it anyway,” said US Attorney Martin Estrada. Following the arrests, Matthew Perry's stepfather has shared a message of gratitude to law enforcement and hoped justice would be served. Keith Morrison, a Canadian journalist, and other loved ones of the Friends star in a statement issued to NBC News say they are finding some solace in the legal system nine months on from his death. "We were and still are heartbroken by Matthew's death, but it has helped to know law enforcement has taken his case very seriously," they said. "We look forward to justice taking its course." Image credits: Matt Baron/BEI/Shutterstock Editorial

Legal

Young Aussie medallist's sweet plane gesture

Australian gold medallist Arisa Trew has warmed hearts after sharing her sweet gesture on the plane back from Paris. Trew became the youngest Australian to ever win a gold medal at the Paris games after emerging victorious in the skateboarding competition, capturing the hearts of Australia with her incredible performance. Trew was one of dozens of Aussies who <a href="https://oversixty.com.au/travel/international-travel/just-magical-aussie-olympians-return-home-in-triumph" target="_blank" rel="noopener">flew back</a> from Paris on Wednesday morning, and explained why she was quick to give up her business class seat as a medallist. Sunrise host Matt Shirvington said there was a pecking order to the seat allocation on the Qantas plane, explaining, “Apparently, the breakdown is the medallists get first pick of business class, then the two-time Olympians or more get a shot at premium economy, and the rest are out the back of the plane.” By winning gold, Trew was allowed to be in the expensive business class seats, but she told the Jase & Lauren radio show on Nova radio that she had other plans for the lengthy flight. “Where did you get to sit on the plane? Because you’re a gold medallist, you’re 14 years old. Were you right up the front?” Lauren Phillips asked Trew. Trew’s reply stunned the radio hosts, as she admitted, “I mean, I could have been sitting in business with all the medallists, but instead I chose to sit in economy with my two best friends, Chloe and Ruby.” Those friends are fellow skateboarders Chloe Covell and Ruby Trew who both missed out on medals, hence their seats “out the back”. “You’re the cutest thing ever. We couldn’t love you anymore,” Phillips said. “So Arisa, does that mean you got to give someone your gold medal business class seat?” Trew replied, “I’m pretty sure somebody else got it because me and my friends were walking around the plane, and we went up there, and it was all full. So I definitely think somebody else was sitting there but I don’t mind.” Trew also revealed she was heading straight back to school after touching down in Australia and would be there bright and early on Thursday. “I’m gonna go back. I just love going to school, because it’s the skate park where I go to school,” she said. “So I get to see all my friends that skate, that I skate with every day and train with, my coaches, the teachers. Like, it’s just the best thing in the world.” Image credits: Ulrik Pedersen/CSM/Shutterstock Editorial

International Travel

People who are bad with numbers often find it harder to make ends meet – even if they are not poor

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/wandi-bruine-de-bruin-275600">Wändi Bruine de Bruin</a>, <a href="https://theconversation.com/institutions/usc-dornsife-college-of-letters-arts-and-sciences-2669">USC Dornsife College of Letters, Arts and Sciences</a> and <a href="https://theconversation.com/profiles/paul-slovic-359838">Paul Slovic</a>, <a href="https://theconversation.com/institutions/university-of-oregon-811">University of Oregon</a> <h2>The big idea</h2> People who are bad with numbers are more likely to experience financial difficulties than people who are good with numbers. That’s according to <a href="https://doi.org/10.1371/journal.pone.0260378">our analyses</a> of the <a href="https://wrp.lrfoundation.org.uk/explore-the-poll">Lloyd’s Register Foundation World Risk Poll</a>. In this World Risk Poll, people from 141 countries were asked if 10% was bigger than, smaller than or the same as 1 out of 10. Participants were said to be bad with numbers if they did not provide the correct answer – which is that 10% is the same as 1 out of 10. <a href="https://doi.org/10.1371/journal.pone.0260378">Our analyses</a> found that people who answered incorrectly are often among the poorest in their country. Prior studies in the <a href="https://doi.org/10.1111/j.1468-0297.2010.02394.x">United States</a>, <a href="https://doi.org/10.1111/j.1475-5890.2007.00052.x">United Kingdom</a>, <a href="https://doi.org/10.1016/j.joep.2016.02.011">the Netherlands</a> and <a href="https://doi.org/10.1111/joca.12294">Peru</a> had also found that people who are bad with numbers are financially worse off. But <a href="https://doi.org/10.1371/journal.pone.0260378">our analyses of the World Risk Poll</a> further showed that people who are bad with numbers find it harder to make ends meet, even if they are not poor. When we say that they found it harder to make ends meet, we mean that they reported on the poll that they found it difficult or very difficult to live on their current income, as opposed to living comfortably or getting by on their current income. <a href="https://doi.org/10.1371/journal.pone.0260378">Our analyses</a> also indicate that staying in school longer is related to better number ability. People with a high school degree tend to be better with numbers than people without a high school degree. And college graduates do even better. But even among college graduates there are people who are bad with numbers – and they struggle more financially. <iframe id="yOIiX" class="tc-infographic-datawrapper" style="border: 0;" src="https://datawrapper.dwcdn.net/yOIiX/3/" width="100%" height="400px" frameborder="0" scrolling="no"></iframe> Of course, being good with numbers is not going to help you stretch your budget if you are very poor. <a href="https://doi.org/10.1371/journal.pone.0260378">We found</a> that the relationship between number ability and struggling to make ends meet holds across the world, except in low-income countries like Ethiopia, Somalia and Rwanda. <iframe id="RejA1" class="tc-infographic-datawrapper" style="border: 0;" src="https://datawrapper.dwcdn.net/RejA1/8/" width="100%" height="400px" frameborder="0" scrolling="no"></iframe> <h2>Why it matters</h2> The ability to understand and use numbers is also called <a href="http://doi.org/10.1093/oso/9780190861094.001.0001">numeracy</a>. Numeracy is <a href="https://doi.org/10.1787/1f029d8f-en">central to modern adult life</a> because numbers are everywhere. A lot of well-paying jobs involve working with numbers. People who are bad with numbers often perform worse in these jobs, including <a href="https://doi.org/10.1111/ecin.12873">banking</a>. It can therefore be hard for people who are bad with numbers to <a href="http://www.doi.org/10.1108/00400919710164125">find employment and progress in their jobs</a>. People who are bad with numbers are less likely <a href="https://www.pnas.org/content/116/39/19386.short">to make good financial decisions</a>. Individuals who can’t compute how interest compounds over time <a href="https://doi.org/10.1111/j.1540-6261.2009.01518.x">save the least and borrow the most</a>. People with poor numerical skills are also more likely <a href="https://doi.org/10.1037/0022-3514.41.3.586">to take on high-cost debt</a>. If you’re bad with numbers, it is hard to <a href="https://doi.org/10.1017/S1474747215000232">recognize</a> that paying the US$30 minimum payment on a credit card with a $3,000 balance and an annual percentage rate of 12% means it will never be paid off. <h2>What still isn’t known</h2> It is clear that people who are bad with numbers also tend to struggle financially. But we still need to explore whether teaching people math will help them to avoid financial problems. <h2>What’s next</h2> In her book “<a href="http://doi.org/10.1093/oso/9780190861094.001.0001">Innumeracy in the Wild</a>,” Ellen Peters, director of the Center for Science Communication Research at the University of Oregon, suggests that it is important for students to take math classes. American high school students who had to <a href="https://doi.org/10.3368/jhr.51.3.0113-5410R1">take more math courses</a> than were previously required had better financial outcomes later in life, such as avoiding bankruptcy and foreclosures. Successfully teaching numeracy also means helping students gain confidence in using numbers. People with <a href="https://doi.org/10.1073/pnas.1903126116">low numerical confidence</a> experience bad financial outcomes, such as a foreclosure notice, independent of their numeric ability. This is because they may not even try to take on complex financial decisions. Numerical confidence can be boosted in different ways. Among American <a href="https://doi.org/10.1037/0022-3514.41.3.586">elementary school children</a> who were bad with numbers, setting achievable goals led to better numerical confidence and performance. Among American <a href="https://doi.org/10.1371/journal.pone.0180674">undergraduate students</a>, a writing exercise that affirmed their positive values improved their numerical confidence and performance. Other important next steps are to find out whether training in numeracy can also be provided to adults, and whether training in numeracy improves the financial outcomes of people who do not live in high-income countries.<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/172272/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/wandi-bruine-de-bruin-275600">Wändi Bruine de Bruin</a>, Professor of Public Policy, Psychology and Behavioral Science, USC Sol Price School of Public Policy, <a href="https://theconversation.com/institutions/usc-dornsife-college-of-letters-arts-and-sciences-2669">USC Dornsife College of Letters, Arts and Sciences</a> and <a href="https://theconversation.com/profiles/paul-slovic-359838">Paul Slovic</a>, Professor of Psychology, <a href="https://theconversation.com/institutions/university-of-oregon-811">University of Oregon</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/people-who-are-bad-with-numbers-often-find-it-harder-to-make-ends-meet-even-if-they-are-not-poor-172272">original article</a>. </div>

Money & Banking

Why are some people happy when they are dying?

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/mattias-tranberg-941050">Mattias Tranberg</a>, <a href="https://theconversation.com/institutions/lund-university-756">Lund University</a> Simon Boas, who wrote a candid account of living with cancer, passed away on July 15 at the age of 47. In a recent <a href="https://www.bbc.co.uk/news/articles/clmykzrdnljo">BBC interview</a>, the former aid worker told the reporter: “My pain is under control and I’m terribly happy – it sounds weird to say, but I’m as happy as I’ve ever been in my life.” It may seem odd that a person could be happy as the end draws near, but in my experience as a clinical psychologist working with people at the end of their lives, it’s not that uncommon. There is quite a lot of research suggesting that fear of death is at the unconscious centre of being human. William James, an American philosopher, called the knowledge that we must die <a href="https://www.penguinrandomhouse.com/books/170217/the-worm-at-the-core-by-sheldon-solomon-jeff-greenberg-and-tom-pyszczynski/">“the worm at the core”</a> of the human condition. But a <a href="https://www.jstor.org/stable/44577785">study</a> in Psychological Science shows that people nearing death use more positive language to describe their experience than those who just imagine death. This suggests that the experience of dying is more pleasant – or, at least, less unpleasant – than we might picture it. In the BBC interview, Boas shared some of the insights that helped him come to accept his situation. He mentioned the importance of enjoying life and prioritising meaningful experiences, suggesting that acknowledging death can enhance our appreciation for life. Despite the pain and difficulties, Boas seemed cheerful, hoping his attitude would support his wife and parents during the difficult times ahead. Boas’s words echo the Roman philosopher Seneca who <a href="https://en.wikisource.org/wiki/Moral_letters_to_Lucilius/Letter_61">advised that</a>: “To have lived long enough depends neither upon our years nor upon our days, but upon our minds.” A more recent thinker expressing similar sentiments is the psychiatrist <a href="https://www.viktorfrankl.org/">Viktor Frankl</a> who, after surviving Auschwitz, wrote <a href="https://www.penguin.co.uk/books/347571/mans-search-for-meaning-by-viktor-e-frankl/9781846046384">Man’s Search for Meaning</a> (1946) in which he lay the groundwork for a form of existential psychotherapy, with the focus of discovering meaning in any kind of circumstance. Its most recent adaptation is meaning-centred psychotherapy, which offers people with cancer a way to <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC4861219/">improve their sense of meaning</a>. <h2>How happiness and meaning relate</h2> In two recent studies, in <a href="https://doi.org/10.1017/S1478951521000262">Palliative and Supportive Care</a> and the <a href="https://doi.org/10.1177/1049909120939857">American Journal of Hospice and Palliative Care</a>, people approaching death were asked what constitutes happiness for them. Common themes in both studies were social connections, enjoying simple pleasures such as being in nature, having a positive mindset and a general shift in focus from seeking pleasure to finding meaning and fulfilment as their illness progressed. In my work as a clinical psychologist, I sometimes meet people who have – or eventually arrive at – a similar outlook on life as Boas. One person especially comes to mind – let’s call him Johan. The first time I met Johan, he came to the clinic by himself, with a slight limp. We talked about life, about interests, relationships and meaning. Johan appeared to be lucid, clear and articulate. The second time, he came with crutches. One foot had begun to lag and he couldn’t trust his balance. He said it was frustrating to lose control of his foot, but still hoped to cycle around Mont Blanc. When I asked him what his concerns were, he burst into tears. He said: “That I won’t get to celebrate my birthday next month.” We sat quietly for a while and took in the situation. It wasn’t the moment of death itself that weighed on him the most, it was all the things he wouldn’t be able to do again. Johan arrived at our third meeting supported by a friend, no longer able to grip the crutches. He told me that he had been watching films of him cycling with his friends. He had concluded that he could watch YouTube videos of others cycling around Mont Blanc. He had even ordered a new, expensive mountain bike. “I’ve wanted to buy it for a long time, but was tightfisted,” he said. “I may not be able to ride it, but thought it would be cool to have in the living room.” For the fourth visit, he arrived in a wheelchair. It turned out to be the last time we met. The bike had arrived; he had it next to the couch. There was one more thing he wanted to do. “If by some miracle I were to get out of this alive, I would like to volunteer in domestic care services – one or two shifts a week,” Johan said. “They work hard and it gets crazy sometimes, but they make such an incredible contribution. I wouldn’t have been able to get out of the apartment without them.” My experience of patients with life-threatening disease is that it’s possible to feel happiness alongside sadness, and other seemingly conflicting emotions. Over a day, patients can feel gratitude, remorse, longing, anger, guilt and relief – sometimes all at once. Facing the limits of existence can add perspective and help a person appreciate life more than ever.<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/234309/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/mattias-tranberg-941050">Mattias Tranberg</a>, Postdoctoral Research Associate, The Institute of Palliative Care, <a href="https://theconversation.com/institutions/lund-university-756">Lund University</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/why-are-some-people-happy-when-they-are-dying-234309">original article</a>. </div>

Caring

Is your smartwatch making you anxious? Wearables can lead people to stress more about their health

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/caleb-ferguson-72">Caleb Ferguson</a>, <a href="https://theconversation.com/institutions/university-of-wollongong-711">University of Wollongong</a> Wearable trackers and monitors (such as smartwatches) are <a href="https://www.idtechex.com/en/research-report/wearable-technology-forecasts-2023-2033/928">increasingly popular and sophisticated</a>. For people living with heart conditions, they can provide important information, including updates about abnormalities in heart rate and rhythm. But a recent study published in the <a href="https://www.ahajournals.org/doi/10.1161/JAHA.123.033750">Journal of the American Heart Association</a> found using wearables to monitor heart conditions like atrial fibrillation – an irregular heartbeat – can actually make people more anxious about their health. It’s a catch-22 situation: the wearable device may help you better manage your chronic heart condition, but wearing it could make you anxious – which is bad for those conditions. So what are the tradeoffs? And how can we get the most out of wearables, without unnecessary worry? <h2>Wearables to monitor heart conditions</h2> Wearables are playing an increasing role in managing and <a href="https://www.nejm.org/doi/full/10.1056/NEJMoa1901183">detecting</a> conditions like atrial fibrillation, the <a href="https://www.cochranelibrary.com/cdsr/doi/10.1002/14651858.CD013408.pub2/full">most common heart rhythm problem</a>. Atrial fibrillation <a href="https://www.aihw.gov.au/reports/heart-stroke-vascular-diseases/atrial-fibrillation-in-australia/contents/how-many-australians-have-atrial-fibrillation">affects</a> around 2% of the general population, and about 5% of those aged over 55. Symptoms may include palpitations, fatigue and shortness of breath, although some patients may live relatively symptom-free. Self management is important to improve quality of life and prevent complications, such as stroke and heart failure. People with atrial fibrillation also often experience high rates of <a href="https://www.cochranelibrary.com/cdsr/doi/10.1002/14651858.CD013508.pub3/full">anxiety linked to their condition</a>. <a href="https://link.springer.com/article/10.1007/s11886-020-01396-w">Psychological distress</a> – including anxiety, depression and worry about symptoms – affects between 25% and 50% of those living with the condition. Wearable devices can help people understand and monitor their condition by providing heart rate and rhythm data and alerts to detect atrial fibrillation episodes. This can be helpful to understand the impact of their disease, particularly for those living with paroxysmal (or episodic) atrial fibrillation. <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC10800119/">One study</a> found smartwatches were very effective at detecting irregular heart rhythms – and could help manage and even prevent them. But any benefits of using wearables to monitor atrial fibrillation need to be balanced with the high rates of anxiety people with this condition experience, to make sure their use doesn’t exacerbate psychological distress. <h2>Wearables can empower patients</h2> For many people, the sense they are receiving reliable, objective and personalised health data can encourage <a href="https://www.cvdigitalhealthjournal.com/article/S2666-6936(21)00020-7/fulltext">feelings of confidence, safety and assurance</a>, especially when combined with symptom trackers or patient diaries. This may allow patients to self-manage their condition at home with their families, rather than spending time in hospital – reducing anxiety and stress. In a clinical setting, data may also encourage patients to take part in <a href="https://academic.oup.com/eurjcn/article/16/3/178/5924768">shared decision-making</a>. Interpreting health data together with doctors or other health-care professionals, they can develop goals and action plans, including when to seek help from a GP – and when to go to hospital. Patients who understand their condition <a href="https://www.tandfonline.com/doi/full/10.2147/JMDH.S19315">tend to report</a> fewer atrial fibrillation symptoms. <h2>But wearables can induce anxiety</h2> The study published by the Journal of the American Heart Association examined the behaviour and wellbeing of 172 people with atrial fibrillation over a nine-month period. It found the 83 people who used wearables to monitor their condition were more worried about their symptoms and treatment, with one in five experiencing “intense anxiety”. Chronic anxiety can contribute to stress, burnout and poor physical health, which in turn can <a href="https://www.jacc.org/doi/full/10.1016/j.jacep.2021.12.008">exacerbate heart conditions</a>. Previous <a href="https://link.springer.com/article/10.1186/s12911-017-0486-5">research</a> has also explored the impacts of wearables on patients with long-term conditions, including heart disease. Patients in this study similarly reported increased anxiety while using these devices, as one explained: <blockquote> I am one of these people who do worry about things. I do get concerned about myself […] and I just thought this is silly. This is reminding me every day, […] I wonder what my reading is, how good it is or how bad it is […]. Every time as soon I started thinking about it, I started thinking about my illness. </blockquote> Some people also <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC10777278/">describe</a> being a “prisoner of the numbers”. They feel they “need to keep checking the device to know how they were doing, leading to the device dominating their lives”. The volume and frequency of notifications, alarms and vibrations from wearable devices can be overwhelming and make people worry about their health. Information overload can also discourage self-management, with notifications instead prompting people to seek health advice more often than they otherwise would. But this isn’t necessarily a bad thing. For other people, low levels of health or digital literacy – not knowing how to use the devices or interpret the data – may make them feel so stressed or anxious they <a href="https://link.springer.com/article/10.1186/s12911-017-0486-5">abandon wearables</a> altogether. <h2>The future of wearables</h2> In the future, digital devices may help paint a holistic picture of health and wellbeing through a “<a href="https://theconversation.com/digital-diagnosis-how-your-smartphone-or-wearable-device-could-forecast-illness-102385">digital phenotype</a>” that combines data like sleep patterns, weight changes and physical activity. But more research is needed to understand the effects of wearables – including their notifications and alarms – on patients’ anxiety levels. If you already use a wearable device for health monitoring, it can be helpful to regularly review the data and notification settings. You may wish to discuss how you are using your device to help you self-manage your condition with your doctor or nurse. With any chronic disease, having a management action plan is important. This includes discussing with your health-care professional when to seek care (such as attending the emergency department or GP). Meanwhile, there’s still work to be done to help make nurses and doctors feel more confident <a href="https://www.tandfonline.com/doi/full/10.1080/10376178.2018.1486943">integrating wearables</a> – and the data they provide – into patient care.<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/235596/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/caleb-ferguson-72">Caleb Ferguson</a>, Professor of Nursing; Director of Health Innnovations, <a href="https://theconversation.com/institutions/university-of-wollongong-711">University of Wollongong</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/is-your-smartwatch-making-you-anxious-wearables-can-lead-people-to-stress-more-about-their-health-235596">original article</a>. </div>

Body

Taylor Swift in shock after three young girls killed at dance class

Taylor Swift has released a shocked statement after a nine-year-old girl became the third young child to die following a stabbing rampage at a Taylor Swift-themed dance class in the UK. The tragic incident unfolded in Southport on Monday during a dance workshop inspired by the popular singer, leaving three young girls dead and ten others injured. As the nine-year-old girl became the latest to succumb to injuries, she joined two other victims aged six and seven. They have been identified as Alice Dasilva Aguiar, 9, Elsie Dot Stancombe, 7, and Bebe King, 6. The perpetrator, a 17-year-old boy, has been arrested on suspicion of murder and attempted murder. Authorities are still investigating the motive behind this horrific attack, which left six children in critical condition. On Tuesday, Taylor Swift expressed her deep sorrow and shock over the incident in a statement posted on Instagram, saying she was “completely in shock” and was still taking in “the horror” of the event. “The loss of life and innocence, and the horrendous trauma inflicted on everyone who was there, the families, and first responders,” she wrote “These were just little kids at a dance class. “I am at a complete loss for how to ever convey my sympathies to these families.” Merseyside Police Chief Constable Serena Kennedy commended the bravery of two teachers who were injured while trying to protect the children. The community has responded with an outpouring of grief, leaving flowers and stuffed animals at a makeshift memorial near the scene. Eyewitnesses described chaotic and terrifying scenes as children, some covered in blood, fled the community centre known as the Hart Space. "They were in the road, running from the nursery," said local shop owner Bare Varathan, describing the severity of the injuries. The attacker, who was born in Cardiff, Wales, and had been living in a nearby village, has not yet been charged. Police have confirmed that they are not treating the incident as terror-related and are not seeking additional suspects. The attack has intensified concerns about knife crime in the UK, prompting calls for stricter regulations on bladed weapons. Prime Minister Keir Starmer described the attack as "horrendous and deeply shocking", while King Charles and Prince William expressed their condolences and sympathies. Images: Merseyside Police \ Instagram

Caring

Young Aussies hit back at Steve Price for calling them "lazy"

Young Aussies have hit back at Steve Price after being criticised as lazy by the broadcaster. Prince unleashed at younger generations on The Project while they were discussing the campaign for more leave initiated by the Shop, Distributive and Allied Employees Association, which is pushing to increase annual leave to five weeks a year. The union hopes to ease burnout in employees, and Price was not impressed with the calls for extra leave. "We're trying to get productivity up in this country," he said. "So we've got people refusing to go back to the office, working from home in barely washed tracksuit tops and bottoms, three days a week. "And now they want five weeks holiday." Georgie Tunny, a millennial, hit back at the boomer by arguing that the "work culture" has changed, especially among those new to the workforce. "Especially for the younger generations, they see work completely differently," she said. Price interrupted her saying that young Aussies just did not want to "work very hard", to which Tunny replied: "There's been a death of your job as your identity or career." Social media users were quick to back Tunny, and took aim at Price. "Where's the incentive for young people to work hard when working hard won't buy you a house or even afford you basic veggies," one said. "You get what you pay for, and it's not worth it to work hard. There's literally no benefit to working as hard as you can," another added. "When you're priced out of the market, priced out of holidays and priced out of necessities, what motivation is there to care or be productive," another added. Others suggested that employers should "increase wages and introduce bonuses as incentives," to encourage their staff to work harder. "Nobody is interested in working themselves to death for scraps," one person said. "I don't want to work very hard for CEOs to make millions while I'm barley able to afford bread," another said. "Our generation is just sick of working hard to have all the higher ups take the credit and the bag. We know what we're worth," a third added. A recent Productivity Commission report found that Aussies born after 1990 are finding more difficult than previous generations to move up the financial ladder. The report also found that young Aussies are increasingly earning less than their parents did at the same age, with the global financial crisis partially to blame for the weak income growth. Images: The Project

Money & Banking

Six people found dead in luxury hotel

A disturbing theory has emerged after six people were found dead in a luxury hotel room in central Bangkok. According to Bangkok’s Metropolitan Police commissioner Thiti Saengsawang, hotel staff at the Grand Hyatt Erawan discovered the bodies of six people in a fifth-floor room after they missed check out time by more than 24 hours. After concluding that the incident did not appear to be a robbery and none of the bodies showed any signs of physical violence, Thai Police are exploring the possibility that the people were poisoned. Police shared that they "needed to find out the motives", and that the deaths were the result of a "killing", not a suicide. Authorities conformed they are investigating the potential poisoning after Thiti said cups with traces of a white powder were located in the room, along with untouched food that had been ordered earlier. As police continue their investigation into the shocking deaths, they are currently searching for a seventh person who was part of the hotel booking and is now a possible suspect. Two of the dead were US citizens of Vietnamese background, while the other four were Vietnamese nationals. Thiti said police believe one member of the group had tried to reach the door to escape but fell and died before they could get there. The Thai government issued a statement after the killings, with Thai Prime Minister Srettha Thavisin saying, "There were no signs of a struggle," adding, "We need to conduct an autopsy." He also "ordered all agencies to urgently take action to avoid impact on tourism,” given that the luxury hotel is situated in a popular tourist area. Image credits: BBC / Royal Thai Police

Travel Trouble

‘I keep away from people’ – combined vision and hearing loss is isolating more and more older Australians

<a href="https://theconversation.com/profiles/moira-dunsmore-295190">Moira Dunsmore</a>, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a>; <a href="https://theconversation.com/profiles/annmaree-watharow-1540942">Annmaree Watharow</a>, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a>, and <a href="https://theconversation.com/profiles/emily-kecman-429210">Emily Kecman</a>, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a> Our <a href="https://www.who.int/news-room/fact-sheets/detail/ageing-and-health">ageing population</a> brings a growing crisis: people over 65 are at greater risk of dual sensory impairment (also known as “deafblindness” or combined vision and hearing loss). Some 66% of people over 60 have hearing loss and 33% of older Australians have low vision. Estimates suggest more than a quarter of Australians over 80 are <a href="https://www.senseswa.com.au/wp-content/uploads/2016/01/a-clear-view---senses-australia.pdf">living with dual sensory impairment</a>. Combined vision and hearing loss <a href="https://doi.org/10.1177/0264619613490519">describes</a> any degree of sight and hearing loss, so neither sense can compensate for the other. Dual sensory impairment can occur at any point in life but is <a href="https://doi.org/10.1016/j.annepidem.2012.02.004">increasingly common</a> as people get older. The experience can make older people feel isolated and unable to participate in important conversations, including about their health. <h2>Causes and conditions</h2> Conditions related to hearing and vision impairment often <a href="https://theconversation.com/why-we-lose-our-hearing-and-vision-as-we-age-67930">increase as we age</a> – but many of these changes are subtle. Hearing loss can start <a href="https://www.who.int/teams/noncommunicable-diseases/sensory-functions-disability-and-rehabilitation/highlighting-priorities-for-ear-and-hearing-care">as early as our 50s</a> and often accompany other age-related visual changes, such as <a href="https://www.mdfoundation.com.au/">age-related macular degeneration</a>. Other age-related conditions are frequently prioritised by patients, doctors or carers, such as <a href="https://www.aihw.gov.au/reports-data/health-conditions-disability-deaths/chronic-disease/overview">diabetes or heart disease</a>. Vision and hearing changes can be easy to overlook or accept as a normal aspect of ageing. As an older person we interviewed for our <a href="https://hdl.handle.net/2123/29262">research</a> told us <blockquote> I don’t see too good or hear too well. It’s just part of old age. </blockquote> <h2>An invisible disability</h2> Dual sensory impairment has a significant and negative impact in all aspects of a person’s life. It reduces access to information, mobility and orientation, impacts <a href="https://doi.org/10.1080/09638280210129162">social activities and communication</a>, making it difficult for older adults to manage. It is underdiagnosed, underrecognised and sometimes misattributed (for example, to <a href="https://doi.org/10.1093/geronb/gbz043">cognitive impairment or decline</a>). However, there is also growing evidence of links between <a href="https://doi.org/10.1002/dad2.12054">dementia and dual sensory loss</a>. If left untreated or without appropriate support, dual sensory impairment diminishes the capacity of older people to live independently, <a href="https://doi.org/10.1002/dad2.12054">feel happy and be safe</a>. A dearth of specific resources to educate and support older Australians with their dual sensory impairment means when older people do raise the issue, their GP or health professional may not understand its significance or where to refer them. One older person told us: <blockquote> There’s another thing too about the GP, the sort of mentality ‘well what do you expect? You’re 95.’ Hearing and vision loss in old age is not seen as a disability, it’s seen as something else. </blockquote> <h2>Isolated yet more dependent on others</h2> Global trends show a worrying conundrum. Older people with dual sensory impairment become <a href="https://doi.org/10.1002/dad2.12054">more socially isolated</a>, which impacts their mental health and wellbeing. At the same time they can become increasingly dependent on other people to help them navigate and manage day-to-day activities with limited sight and hearing. One aspect of this is how effectively they can <a href="https://doi.org/10.1001/jamanetworkopen.2020.25522">comprehend and communicate in a health-care setting</a>. Recent research shows <a href="http://dx.doi.org/10.3390/healthcare12080852">doctors and nurses in hospitals</a> aren’t making themselves understood to most of their patients with dual sensory impairment. Good communication in the health context is about more than just “knowing what is going on”, <a href="https://www.mdpi.com/2227-9032/12/8/852">researchers note</a>. It facilitates: <ul> <li>shorter hospital stays</li> <li>fewer re-admissions</li> <li>reduced emergency room visits</li> <li>better treatment adherence and medical follow up</li> <li>less unnecessary diagnostic testing</li> <li>improved health-care outcomes.</li> </ul> <h2>‘Too hard’</h2> Globally, there is a better understanding of how important it is to <a href="https://www.who.int/publications/i/item/9789240030749">maintain active social lives</a> as people age. But this is difficult for older adults with dual sensory loss. One person told us <blockquote> I don’t particularly want to mix with people. Too hard, because they can’t understand. I can no longer now walk into that room, see nothing, find my seat and not recognise [or hear] people. </blockquote> Again, these experiences increase reliance on family. But caring in this context is tough and largely <a href="https://doi.org/10.3389/feduc.2020.572201">hidden</a>. Family members describe being the “eyes and ears” for their loved one. It’s a 24/7 role which can bring <a href="https://doi.org/10.1159/000507856">frustration, social isolation and depression</a> for carers too. One spouse told us: <blockquote> He doesn’t talk anymore much, because he doesn’t know whether [people are] talking to him, unless they use his name, he’s unaware they’re speaking to him, so he might ignore people and so on. And in the end, I noticed people weren’t even bothering him to talk, so now I refuse to go. Because I don’t think it’s fair. </blockquote> So, what can we do? Dual sensory impairment is a growing problem with potentially devastating impacts. It should be considered a unique and distinct disability in all relevant protections and policies. This includes the right to dedicated diagnosis and support, accessibility provisions and specialised skill development for health and social professionals and carers. We need to develop resources to help people with dual sensory impairment and their families and carers understand the condition, what it means and how everyone can be supported. This could include communication adaptation, such as social haptics (communicating using touch) and specialised support for older adults to <a href="https://www.tandfonline.com/doi/full/10.1080/09649069.2019.1627088">navigate health care</a>. Increasing awareness and understanding of dual sensory impairment will also help those impacted with everyday engagement with the world around them – rather than the isolation many feel now.<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/232142/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/moira-dunsmore-295190">Moira Dunsmore</a>, Senior Lecturer, Sydney Nursing School, Faculty of Medicine and Health, University of Sydney, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a>; <a href="https://theconversation.com/profiles/annmaree-watharow-1540942">Annmaree Watharow</a>, Lived Experience Research Fellow, Centre for Disability Research and Policy, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a>, and <a href="https://theconversation.com/profiles/emily-kecman-429210">Emily Kecman</a>, Postdoctoral research fellow, Department of Linguistics, <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/i-keep-away-from-people-combined-vision-and-hearing-loss-is-isolating-more-and-more-older-australians-232142">original article</a>.

Body

"I want her parents to know": Fellow Qantas passenger reveals final moments of young woman

The passenger who was seated next to the woman who tragically <a href="https://oversixty.com.au/travel/travel-trouble/young-woman-dies-on-qantas-flight" target="_blank" rel="noopener">died</a> after boarding a Qantas flight has broken his silence on her last moments. Ravinder Singh was seated next to Manpreet Kaur, who passed away shortly after boarding a flight from Melbourne to Delhi on June 20th. The 24-year-old student, who had dreams of becoming a chef, was travelling to see her parents in India for the first time in four years, but did not make it to her destination. Now, Ravinder Singh has shared details on her final moments in the hopes it will bring her grieving parents some comfort. “I was sitting next to her on the Qantas flight from Melbourne to Delhi and was actually the last person to talk to her,” Ravinder Singh exclusively told <a href="https://www.news.com.au/travel/travel-updates/incidents/passenger-speaks-after-woman-dies-next-to-him-on-qantas-flight/news-story/24e8396d8eb3a1d35aea4a4291b847ba" target="_blank" rel="noopener">news.com.au</a>. “When I boarded the plane, she was already seated in the aisle. I was in the window, so I asked if she could please get up so I could occupy my seat. “I noticed that she began scrolling through photos on her mobile phone and stopped at a photograph of an elderly couple. I asked if they were her parents. She smiled and nodded and kept staring at it.” Mr Singh, who had been in Australia to visit family, said that everything seemed fine and the plane eventually began moving towards the runway, ready for take off. He explained that Ms Kaur had then put her phone down and rested her head on the seat in front, when he realised something was not right. “She was wearing her seatbelt and leaned forward to rest her head on the seat in front. As the plane was preparing for takeoff, I wanted to alert her to sit upright,” he shared. “But the plane jerked and I expected her to wake up. But instead, her head just moved towards me." “I got the attention of a flight attention and told her that this woman does not seem very well. She checked her pulse and after that, the reaction of the cabin crew was very commendable." “They tried their best to revive her. She was then evacuated by medical staff.” The retired army officer said the incident still “haunts him” and he wants her parents to know that she “left the world peacefully”. “The incident has been etched in my memory for life,” he said. “It is very difficult to digest that a young girl with whom you were just interacting with has passed away in front of your eyes." “Her innocent face stills haunts me and I want her parents to know she loved them a lot. She left this world peacefully looking at their photograph." “My heart breaks for her family who would have been looking forward to seeing her after a long time.” It is understood that Ms Kaur had been feeling "unwell" when she arrived at the airport and boarded the plane with no issues, with reports suggesting she died of tuberculosis. Image credits: news.com.au

Caring

Two young fundraising heroes treated to private party at Buckingham Palace

Two fundraising heroes have been treated to a private tea party, hosted by Queen Camilla herself, after being forced to miss previous royal events. Tony Hudgell, nine, and Lyla O’Donovan, 11, were due to attend a garden party in May, but Hudgell got stuck in a major traffic jam, while Lyla was undergoing treatment for cancer. Tony — whose legs were amputated after horrific child abuse - was devastated to miss the royal event, as his adoptive mother Paula shared on X (formerly Twitter) how they spent two hours stuck behind a fire truck on a major highway. However, a response on the Royal Family indicated all was not lost, as they replied, “Sorry to hear this, Tony! We were looking forward to seeing you too. Fancy trying again another day? Leave it with us.” Two months on, the two youngsters arrived at Buckingham Palace for the rescheduled treat last week and were given a front-row spot to watch the Changing of the Guard. The two children and their families then enjoyed a private tea party with Queen Camilla, 76, in the palace garden’s Summer House. <blockquote class="twitter-tweet"> 🫖 🍰 When Tony and Lyla came to tea … <a href="https://t.co/LTfLrPDjT7">pic.twitter.com/LTfLrPDjT7</a> — The Royal Family (@RoyalFamily) <a href="https://twitter.com/RoyalFamily/status/1807667556120969625?ref_src=twsrc%5Etfw">July 1, 2024</a></blockquote> The Queen then presented Tony with his British Empire Medal after his nomination in the 2024 New Year’s Honours. Tony, who lost his legs as a baby due to his parents’ cruelty, inspired the nation after doing a 10km walk, raising $2.4 million at age five. Paula said, “We were all extremely honoured and grateful to be invited for afternoon tea with the Queen. Everyone was so kind and thoughtful and made us feel comfortable and relaxed." “Tony chatted to the Queen as if they were old friends. She was lovely with him. “An exceptionally proud moment was when the Queen gave Tony his BEM. It was one of the most memorable days we’ll ever have.” Lyla has raised funds to grant wishes to children affected by cancer or lifelong illness. She said of the event, “Everyone made us feel so comfortable and made me feel super-special. We’re so grateful.” Dad Paul said, “It was an amazing moment for us. Lyla was gutted about missing the original Garden Party but she said she’s glad she missed it now as she’s got to meet the Queen." “There’s no one more important than her, apart from the King, of course.” Image credits: Buckingham Palace/WPA Pool/Shutterstock Editorial

International Travel

Young woman dies on Qantas flight

A young woman has tragically died onboard a Qantas flight from Melbourne to the Indian city of Delhi. Manpreet Kaur, 24, boarded the international flight to visit her family for the first time in four years, but she never made it to her destination. According to a close friend, the student reportedly “felt unwell” hours before arriving at the airport but managed to board the flight without any issues. However, when she went to put on her seatbelt, Ms Kaur apparently fell to the floor and “died on the spot”. The plane was still grounded when Ms Kaur collapsed, as cabin crew and emergency services rushed to help her. “When she got on the plane, she was struggling to put her seatbelt on,” her friend Gurdip Grewal told the <a title="www.heraldsun.com.au" href="https://www.heraldsun.com.au/news/victoria/tributes-flow-for-student-who-died-on-qantas-flight-at-melbourne-airport/news-story/aaa561d3d6ab09d15bcf3533312abdab" target="_blank" rel="noopener" data-tgev="event119" data-tgev-container="bodylink" data-tgev-order="aaa561d3d6ab09d15bcf3533312abdab" data-tgev-label="news" data-tgev-metric="ev">Herald Sun.</a> “Just before her flight started, she fell in front of her seat and died on the spot.” According to reports from the Herald Sun, it is believed Ms Kaur died of tuberculosis, an infectious disease that mostly affects the lungs. Her roommate, Kuldeep, said Ms Kaur had worked at Australia Post while studying cooking, with dreams of one day becoming a chef. “She was kind and honest,” she told the publication. “She loved to travel with her friends around Victoria.” A <a title="www.gofundme.com" href="https://www.gofundme.com/f/smksq-manpreet-kaur" target="_blank" rel="noopener">GoFundMe</a> page has been created for Ms Kaur to help her family, as the fundraising page reads, “Our dear friend Manpreet left us too soon, leaving a void in our lives that can never be filled.” “As we grieve her passing, we want to come together to honour her memory and support her family in their time of need." “As we say our final goodbyes, every contribution, big or small, brings us closer to our goal. Your support means the world to us and Manpreet’s family.” A Qantas spokesperson told <a href="https://www.news.com.au/travel/travel-updates/incidents/woman-dies-on-international-qantas-flight/news-story/41934ac049c5f9712e37f3a2680b1e2a" target="_blank" rel="noopener">news.com.au</a> that their “thoughts are with her family and loved ones”. Image credits: GoFundMe

Travel Trouble

We finally know why some people got COVID while others didn’t

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/marko-nikolic-1543289">Marko Nikolic</a>, <a href="https://theconversation.com/institutions/ucl-1885">UCL</a> and <a href="https://theconversation.com/profiles/kaylee-worlock-1543639">Kaylee Worlock</a>, <a href="https://theconversation.com/institutions/ucl-1885">UCL</a> Throughout the pandemic, one of the key questions on everyone’s mind was why some people avoided getting COVID, while others caught the virus multiple times. Through a collaboration between University College London, the Wellcome Sanger Institute and Imperial College London in the UK, we set out to answer this question using the world’s first controlled <a href="https://www.nature.com/articles/s41591-022-01780-9">“challenge trial” for COVID</a> – where volunteers were deliberately exposed to SARS-CoV-2, the virus that causes COVID, so that it could be studied in great detail. Unvaccinated healthy volunteers with no prior history of COVID were exposed – via a nasal spray – to an extremely low dose of the original strain of SARS-CoV-2. The volunteers were then closely monitored in a quarantine unit, with regular tests and samples taken to study their response to the virus in a highly controlled and safe environment. For our <a href="https://www.nature.com/articles/s41586-024-07575-x">recent study</a>, published in Nature, we collected samples from tissue located midway between the nose and the throat as well as blood samples from 16 volunteers. These samples were taken before the participants were exposed to the virus, to give us a baseline measurement, and afterwards at regular intervals. The samples were then processed and analysed using single-cell sequencing technology, which allowed us to extract and sequence the genetic material of individual cells. Using this cutting-edge technology, we could track the evolution of the disease in unprecedented detail, from pre-infection to recovery. To our surprise, we found that, despite all the volunteers being carefully exposed to the exact same dose of the virus in the same manner, not everyone ended up testing positive for COVID. In fact, we were able to divide the volunteers into three distinct infection groups (see illustration). Six out of the 16 volunteers developed typical mild COVID, testing positive for several days with cold-like symptoms. We referred to this group as the “sustained infection group”. Out of the ten volunteers who did not develop a sustained infection, suggesting that they were able to fight off the virus early on, three went on to develop an “intermediate” infection with intermittent single positive viral tests and limited symptoms. We called them the “transient infection group”. The final seven volunteers remained negative on testing and did not develop any symptoms. This was the “abortive infection group”. This is the first confirmation of abortive infections, which were previously <a href="https://www.nature.com/articles/s41586-021-04186-8">unproven</a>. Despite differences in infection outcomes, participants in all groups shared some specific novel immune responses, including in those whose immune systems prevented the infection. When we compared the timings of the cellular response between the three infection groups, we saw distinct patterns. For example, in the transiently infected volunteers where the virus was only briefly detected, we saw a strong and immediate accumulation of immune cells in the nose one day after infection. This contrasted with the sustained infection group, where a more delayed response was seen, starting five days after infection and potentially enabling the virus to take hold in these volunteers. In these people, we were able to identify cells stimulated by a key antiviral defence response in both the nose and the blood. This response, called the “interferon” response, is one of the ways our bodies signal to our immune system to help fight off viruses and other infections. We were surprised to find that this response was detected in the blood before it was detected in the nose, suggesting that the immune response spreads from the nose very quickly. <h2>Protective gene</h2> Lastly, we identified a specific gene called HLA-DQA2, which was expressed (activated to produce a protein) at a much higher level in the volunteers who did not go on to develop a sustained infection and could hence be used as a marker of protection. Therefore, we might be able to use this information and identify those who are probably going to be protected from severe COVID. These findings help us fill in some gaps in our knowledge, painting a much more detailed picture regarding how our bodies react to a new virus, particularly in the first couple of days of an infection, which is crucial. We can use this information to compare our data to other data we are currently generating, specifically where we are “challenging” volunteers to other viruses and more recent strains of COVID. In contrast to our current study, these will mostly include volunteers who have been vaccinated or naturally infected – that is, people who already have immunity. Our study has significant implications for future treatments and vaccine development. By comparing our data to volunteers who have never been exposed to the virus with those who already have immunity, we may be able to identify new ways of inducing protection, while also helping the development of more effective vaccines for future pandemics. In essence, our research is a step towards better preparedness for the next pandemic.<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/233063/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/marko-nikolic-1543289">Marko Nikolic</a>, Principal Research Fellow/Honorary consultant Respiratory Medicine, <a href="https://theconversation.com/institutions/ucl-1885">UCL</a> and <a href="https://theconversation.com/profiles/kaylee-worlock-1543639">Kaylee Worlock</a>, Postdoc Research Fellow, Molecular and Cellular Biology, <a href="https://theconversation.com/institutions/ucl-1885">UCL</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/we-finally-know-why-some-people-got-covid-while-others-didnt-233063">original article</a>. </div>

Body

Young woman exposes "hate" response to Origin's Welcome to Country

The young woman who delivered the Welcome to Country at the State of Origin has opened up on the "overwhelming" response to it, revealing how she has "received a lot of hate". Savannah Fynn, 22, was invited to deliver the Welcome to Country and while it was generally well received, it also led to radio host Kyle Sandilands slamming the practice in general, saying the practice had become “overused and lost its impact”. Since then, Fynn revealed that she has received an overwhelming amount of hate online, with some even jumping to criticise her appearance. “I was just so worried I would stutter or mess up my words because I’d never spoken in front of that many people,” Fynn told <a title="www.dailytelegraph.com.au" href="https://www.dailytelegraph.com.au/lifestyle/stellar" target="_blank" rel="noopener" data-tgev="event119" data-tgev-container="bodylink" data-tgev-order="stellar" data-tgev-label="lifestyle" data-tgev-metric="ev">Stellar</a>. “But once I finished, I felt a moment of relief. I ran straight over to my nan, obviously one of my Elders, and I gave her a big hug and a cuddle. It’s definitely an overwhelming feeling, getting all this attention. It’s not something I’m used to at all." “I’m a very quiet person so this is a big change. Even though it’s all positive, I struggle with taking compliments and I get a bit shy. I’m kind of ready for it to die down!” “As sad as it is, being a lighter skin colour, I’ve received a lot of hate for that,” the 22-year-old university student said. “A lot of people have picked on the way I look, the way I speak, even coming down to having blonde hair. My hair is actually dark, I’ve just dyed it blonde." “I think people also get very confused as to what an Acknowledgement and Welcome actually is. We’re not welcoming you to Australia; obviously you live here." “We’re welcoming you to the traditional owners of that land and acknowledging the traditional land. And in terms of comments about overuse, I feel you have to respect everyone’s opinions, even if you may not agree." “Being a First Nations person, I find it wonderful seeing my culture embraced. But obviously you can’t please everyone.” Fynn is aiming to be a young role model and hopes to show “young Indigenous people that we can get up and speak”. Image credits: Nine <p style="box-sizing: inherit; margin: 0px 0px 24px; padding: 0px; border: 0px; font-stretch: inherit; line-height: inherit; font-family: 'Helvetica Neue', HelveticaNeue, Helvetica, Arial, sans-serif; font-size-adjust: inherit; font-kerning: inherit; font-variant-alternates: inherit; font-variant-ligatures: inherit; font-variant-numeric: inherit; font-variant-east-asian: inherit; font-variant-position: inherit; font-feature-settings: inherit; font-optical-sizing: inherit; font-variation-settings: inherit; font-size: 18px; vertical-align: baseline;">

Four people found dead in Melbourne home

Four people have been found dead in a house in Melbourne's north after emergency services were called to a house in Broadmeadows around 2am on Tuesday. Two men, a woman, aged up to 40 years old, and a 17-year-old teenage boy were found dead inside the property. Speaking candidly on the Today show, Corey, who is the uncle of the teenager, said he went to visit the home in the early hours of Tuesday, and saw his nephew on the ground. Corey then explained how he smashed the windows to their unit to gain access, where he discovered the bodies. “I’ve come home to find family members in the house deceased and it just tortured me, shocked me,” said Corey. “It’s really, really got to me.” Speaking to Sunrise, he shared his love for his young nephew. “He’s my nephew. He looks up to his uncle. Me being there is ultimately the best thing, you know, I’ve come home to find him gone. He was a kid. 17 years old. I wouldn’t know what’s caused this,” he said. While Corey believes the family died of a drug overdose, police have not confirmed this and say they are still investigating. A police spokesperson said in a statement: “The cause of the deaths is yet to be determined but at this stage not believed to be suspicious”. Image credits: Today

Caring

Our Partners

Over 60

News

Shop

Catalogues

Contests

Entertainment

Travel

Health

Lifestyle

Finance

Property

Games

Information

Keep up to date

Search

Young homeowners are more likely to use their home as an ‘ATM’ than their Boomer parents. Here’s why

Popular names Generation Alpha believe are “for old people”

"Stop the blame game": Kochie slams young Aussie homebuyers

Readers response: Who’s the most interesting person you’ve met while travelling?

Young woman praised for "speaking the truth" about Australia's history

Five people arrested over Matthew Perry's death

Young Aussie medallist's sweet plane gesture

People who are bad with numbers often find it harder to make ends meet – even if they are not poor

Why are some people happy when they are dying?

Is your smartwatch making you anxious? Wearables can lead people to stress more about their health

Taylor Swift in shock after three young girls killed at dance class

Young Aussies hit back at Steve Price for calling them "lazy"

Six people found dead in luxury hotel

‘I keep away from people’ – combined vision and hearing loss is isolating more and more older Australians

"I want her parents to know": Fellow Qantas passenger reveals final moments of young woman

Two young fundraising heroes treated to private party at Buckingham Palace

Young woman dies on Qantas flight

We finally know why some people got COVID while others didn’t

Young woman exposes "hate" response to Origin's Welcome to Country

Four people found dead in Melbourne home

Our Partners